davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Benuck & Rainey, Inc. (FL)

I was contacted by Benuck and Rainey who purchased a debt that I owed to XXXX. When I answered the call, it came from an unknown number and the caller said they have been trying to reach me about a debt I owe. I asked who he was with and he told me Benuck and Rainey. He then proceeded to tell me that they are a collections company that also handle litigation. I asked again, who are you and who are you with. He said, we are handling a debt and we are essentially a law firm who also handles collections. After looking them up, I found they are not in fact a law firm and he REFUSED to send me something in writing. He said they acquired my debt earlier this month and have already sent me a letter ... which I said I did n't receive. He refused again to send another letter and asked if I was ready to pay over {$7000.00}! I believe the initial loan I took out was around {$3000.00}, I had paid about {$3000.00} of the debt but because of the HIGH interest rate and late fees they claim have been added up, I owe another {$7000.00}.
Consumer complaint received 2017-04-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TN)

I disputed my auto loan account, XXXX ( XXXX ) with Experian, due to the fact that the status updated is reporting inaccurately ( XXXX 2016 ). I have also reached out to XXXX in regards to this matter. Both XXXX and Experian have failed to correct the inaccurate information reported on my credit file which is a violation of the FCRA.
Consumer complaint received 2016-05-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Rossman & Co & PCB (OH)

ROSSMAN & # XXXX reported an account that was in a Bankruptcy and need to be updated properly. The original holder of the account was # XXXX This is a error and needs to be updated.
Consumer complaint received 2017-04-07
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (MI)

Calling while at work every 2 hours, unwilling to work with me requiring amounts of money that I can not come up with ... wants me to st up automatic payments which I do not feel comfretbale with the XXXX co signers
Consumer complaint received 2017-04-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (OH)

I have disputed the validity of an old tax lien with all XXXX credi bureaus and all but Eqifax have removed the lien from ny file. It does not exist. There is no way this is being verified as a valid lien. I verified with the Court and they told me that they do not report to credit bureaus they also verify that the items that is placed on my report was pulled from a third party not them at all therefore it must be deleted. And also once it is deleted I am requesting that proof be sent to me please send proof to my email address at XXXX.
Consumer complaint received 2017-03-28
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX a fraudulent check was deposited into my account through an ATM. On XX/XX/XXXX, XXXX withdrawls were made totaling {$1200.00} at the same time the check was deposited followed by a debit transaction for {$4700.00} made on XX/XX/XXXX. I filed a claim against these amounts and the fraudulent check. Subsequently I have had 2 claims denied, not been able to get in contact with the representative XXXX despite repeated messages and calling almost once a day. The claim was denied because he said that I gave out my PIN even though I did not, and let him know I had nothing to do with this and did not give out my PIN. I call Citibank almost every three days and they are unable to give me any information or help. The fraudulent check was for {$8900.00}. The bank did not contact me to verify, or even place the check on even a 24 hour hold nor does the signature remotely match my own. Had they not cashed this fake check without even the slightest due diligence these transactions would not have been able to occur. I tried to close the account the next week and was falsely told that I would not be able to. Subsequently my pay check and tax refund check were used in order to cover the loss. I have filed a police report which the XXXX police department said would take 3 weeks before I have a written report ( # XXXX ) Citibank has not been helpful at all in anyway. I am on my third dispute trying the receive the same money credited to my account and still unable to contact XXXX. I even called the Citibank fraud department and had the lady on the line try to reach XXXX, he did not answer her calls either. My first complaint was filed on XX/XX/XXXX, the second was filed XX/XX/XXXX and the third complaint was placed on XX/XX/XXXX, almost a month after the initial fraud occurred. I told every one whom I spoke with at Citi that I would fully help in prosecuting the culprits however Citi notified me that they would not even be checking the cameras to assist. I have done everything possible to help Citibank and all they have done is run me in circles and taken good money from me in order to cover the bad money they let go.
Consumer complaint received 2017-04-05
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BB&T CORPORATION (FL)

I had an account with BB & T. when I open the account I specifically told them I did not want no over draft protection. when I could n't get no where with them between them charging me for calling them to check the status of my claim, I close the account but they never did. instead they kept charging. I just call them and they told me that charge me over {$600.00} fro an account that was supposed to be canceled.
Consumer complaint received 2022-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSWORLD SYSTEMS INC (AL)

Upon review of my credit report, I noticed accounts that were not valid, these accounts were not opened by me. I have disputed these accounts on all three credit bureaus, as well as with the creditor. I am providing information on these disputes. I am demanding these accounts be blocked from my credit report, due to the fact that they are not valid and/or they are not caused by me. I have filed this complaint before without resolve. I am attaching the police report to this new complaint
Consumer complaint received 2020-04-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF HAWAII CORPORATION (CA)

I have been having my information being stolen by XXXX XXXX being hired by to be draining my accounts for economical damages with my privacy using Ai to steal my information and buy my checking accounts to make deals to overdraft with fees and to steal my information to organize crimes to throw me in jail to damage my reputation since 2015. I have had massive fraud and scheme being organized using Ai with XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX for espionage and account information theft to steal trade secrets. Please investigate
Consumer complaint received 2017-04-04
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC. (FL)

I was informed by XXXX XXXX XXXX XXXX I had been given a high risk status by Suntrust Bank. I have never been a customer of Suntrust Bank. I am concerned that this has been reported and is not accurate.
Consumer complaint received 2017-03-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TN)

a Collection agency by the name of XXXX XXXX XXXX turn a bill in to my credit report when i called them they said i did not have a bill with them under my name or birthday. I filled a complaint with Equifax and they sent me a letter stating they had talked with company and bill was mine. i called XXXX back gave them account # they said again bill was not mine Account # at XXXX is XXXX. XXXX phone # is XXXX
Consumer complaint received 2017-03-14
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BOK FINANCIAL CORP (NM)

I left one of my bank accounts with Bank of Albuquerque unattended. I overdrafted and was not notified and got an overdraft fee. I checked my account 2 months later and accrued more than XXXX $ in extended overdraft fees. I am not currently in a financially stable position and can not close the account. It has been over a month since then and the debt gets worse. 

Naturally I am to blame for not checking on my account routinely, but I almost never used it. I should have received a warning. Furthermore, I have checked and it seems extended overdraft fees exist in a legal grey area, and there seems to be a lot of class action lawsuits for this sort of thing. Argument being that it is not a fee for a service, and so it must count as a insane amount of interest.
Consumer complaint received 2017-03-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (MN)

I recently file a dispute with a collection agencies Experian claim that they removed the account from my credit file they failed to send me a updated copy of a credit report. I have the right per the FCRA LAWS TO RECIEVE THAT COPY FOR MY RECORDS AND SLICK AND DISHONEST IS I WOULD LIKE A UPDATED COPY OF MY REPORT ALSO NOTIFICATION THAT THE ACCOUNT WAS DELETED FOR MY RECORD
Consumer complaint received 2017-03-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (GA)

I have been the victim of identity fraud and have contacted the credit agencies about the numerous inquires listed below that were not initiated by me. the credit bureau simply states that i need to contact the creditor. When the creditor is contacted they can not provide any proof where I consented to have my credit run. further more they refer me back to the credit bureau. Im not getting anywhere and want these inquires removed from my file as they are hindering me from obtaining credit and better interest rates at the bank. 
XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX/XX/XX/XXXX XXXX/XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX/XX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX/XX/XX/XXXX XXXXXX/XX/XXXX XXXX/XX/XX/XXXX
Consumer complaint received 2017-03-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (OH)

I disputed XXXX medical collections from XXXX. 
These collections were included in a chapter XXXX bankruptcy case. 
The collection agency said that the case was dismissed however they were referring to a case from XXXX. I filed Chapter XXXX in XXXX case # XXXX which was discharged. Equifax keeps the account showing as open. Also equifax does not show the bankruptcy case on my report. Case # XXXX. 
I would like the collection accounts removed or updated to show closed with {$XXXX} balance.
Consumer complaint received 2017-03-14
Product: Credit card — 
Issue: Delinquent account — 
Company: JPMORGAN CHASE & CO. (FL)

I would like your assistance in obtain feedback from this company as to why they are reporting a charged off and out of date account that has been on my credit files since XXXX? I do not own a account with this company and I wrote to both the company and the credit bureaus in XXXX advising that this account be removed or that I be provided with validation as to the date this account was opened and defaulted upon and provide me with all documentation used to validate balance owed. I have requested this company and the credit bureaus ( XXXX ; XXXX and XXXX ) close out this inaccurate out of date account and update my files accordingly.
Consumer complaint received 2017-03-07
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A. (OH)

We checked our account today to find that it was OverDrafted after PNC decided to submit ODF fees into our account before processing our deposit that was made Saturday night and did n't process until Monday evening. 

We called them to try and get them to reverse it and they advised our account does n't qualify for that. Mainly because something like this happened back in XX/XX/XXXX and they were nice enough to do so then. 

I asked the rep how you qualify and he advised that they do n't have a set time frame for when you would or if you would again. 

I do n't know what else there is to do, it seems like PNC does n't care about their customers or the fact that their Virtual Wallet does n't update or process in real time. 

It does n't even keep a running balance when certain transactions process.
Consumer complaint received 2016-06-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

This issue is about a notorious ( but very common ) flaw, which has been made by Equifax for years ; the merging credit information from various different persons to a single person. 

An year ago ( or a couple of years ago ), a person living in XXXX emailed to me about " id theft '' issue. His SSN is one-digit different from mine and his name is also similar with mine. 

He checked his credit to apply for a morgage loan and found many activies, not related to him. Some of them were actually mine. I also realized such issue that time, since I was buying a car. Currently, I have XXXX credit info and he ( living in XXXX ) has all information of mine. And this flaw only belongs to Equifax. XXXX and XXXX do not make this flaw. 

And, it is also notorious that fixing Equifax 's fault is very hard. Someone needs to buy an attorney to fix their faults. I have been hard even to contact with them. 

I think you are already familiar with this issue. I can find many similar cases by a couple of minute 's googling.
Consumer complaint received 2017-03-16
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (CA)

I was trying to do business with a company, which sent me a check for {$3800.00} to start the process. I deposited the check into my Chase bank account. the bank put a hold on it for four days. When the check cleared I cashed {$3700.00} of the deposited amount. A couple of days later I discovered a negative balance in my account and went inside the branch to find out what happened. The teller informed me that the {$3800.00} check was returned by the originator. I then proceeded to make a deposit to bring my account positive. Then I received a letter from the Fraud Department of Chase telling me to make whole the account, which I had already done so. I went back to the branch and showed them the letter when the branch staff informed me my account was frozen. The staff member tried in vain to unfreeze the account. I called the Chase Fraud Department and after repeated attempts they called me back and told me my account will be closed permanently and I would have to wait two weeks to get my money back. At this time my account has over {$30000.00} in it since recent deposits took place from my XXXX account. I found this behavior by the bank unacceptable and demanded immediate access to my money. However, the man from the Fraud Department refused to budge from his position.
Consumer complaint received 2017-02-23
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Mortgage Lenders Investment Trading Corp (FL)

RP Funding here in XXXX advertise on radio that they pay for all closing costs. When I called them the representative told me this is true, that they want to help people out. After I gave them all my info to go forward with a home mortgage, I asked so you build the cost of closing costs by charging higher interest rates than other banks. He said yes, so they do not pay the closing costs but just defer them and make more interest from you so they not being up front with you. I did not get the loan because of the dishonesty with this company Thank you, XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

There is a false claim against me that has effected my credit score negatively. It is a credit card account. I have never knew anything about this account. Someone has committed fraud and needs to be held responsible. When I received a bill in the mail about an account I never knew existed I did some investigating. As of now on this account it says there is {$5500.00} due balance. How is that even possible when it says there is a {$2000.00} limit? It also says the account was closed on XX/XX/2019. And on XX/XX/2019 the account had a {$0.00} balance due. This makes no sense. All I can say is my credit score needs to be fixed and I never even knew about this account. Please see the attached images I have attached to support my claims.
Consumer complaint received 2017-03-27
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (FL)

Experian continues to report accounts that are n't mine and credit reports I did n't authorize. I sent them settlement paperwork where I sued XXXX and they agreed to remove the accounts from my report. Experian has refused to do so. I have also had more fraudulent credit inquiries and am attaching a new police report. Experian 's online service would n't accept my police report and I 'm submitting proof of that as well.
Consumer complaint received 2017-03-21
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Flagstar Bank, N.A. (MD)

I am in foreclosure. My aunt XXXX was contacted by a lender ( XXXX ) who asked then convinced us that we needed to make repairs to our roof. The home was fully paid for without a mortgage at the time. My aunt who had no income could not take out a loan, so XXXX suggested that she transfer the title to me so that I could refinance. I only applied to take over the house to help my aunt get the repairs to the home. We only needed about {$15000.00} to make repairs, but when I applied I was told by XXXX the company she works with do n't do small refinancing loans and that I would have to borrow much more. She convinced me to borrow {$50000.00}. Then XXXX suggested and picked out the roofing company who charged me {$20000.00} to repair the roof. Two years later XXXX came by my home and convinced me that I needed to borrow another {$50000.00} to make more repairs that never got finished. off and on XXXX would come to my house saying that I needed to pay her {$300.00} for fees, she also came to my job and harassed me there. I used the XXXX loan to make payments to both the loans. Thanks to the HUD counselor I realize now that I was preyed upon and was a victim of a predator the just stripped the equity out of my home. The women that did the refinance was XXXX XXXX and told me she work for XXXX and she convinced me that I needed these loans. I did not know how refinancing or mortgages work so I was an easy target. 
my family has lived in the home since it was built in XXXX. This was my grandparents home, my parents home, now my home along with my aunt. I really do n't want to lose it.
Consumer complaint received 2017-03-11
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (WI)

I had requested a 2 month extension on XX/XX/2017. I did n't receive the extension agreement until XX/XX/XXXX. Submitted the paperwork and payment XX/XX/2017 which met the 10 day deadline as stated in the letter. XX/XX/XXXX rolls around and the staff are calling me telling me my loan is past due and requesting payment. I explain whats going on with the extension and such. The agent says he looked into the account and seen that the extension is noted but hasnt been granted. Therefore he would email the extension department to get the situation resolved. XX/XX/XXXX rolls in and I begin getting calls again. I explain the same situation. The agent starts telling me that the extension expired because I didnt make the minimum payment by the deadline. I explain I did make the payment on the night of XX/XX/XXXX. She stated she would look into the situation again and contact the extension department to see whats going on with my account. XXXX, same thing happens, but this time I requested to speak to a supervisor. The agent put me on hold for 3 to 5 minutes, and then came back on the line stating that the supervisor was busy and unable to assist me. XX/XX/XXXX, I get yet another call and explain the situation. The agent says the same thing, that I 'll contact the extension department. I then requested to speak to a supervisor as well, as I 've been getting a run around. I requested to speak to a supervisor. The agent put me on hold for 3 to 5 minutes, and then came back on the line stating that the supervisor was busy and unable to assist me, but assured me that she contacted the extension department and they will be looking into the situation. XX/XX/XXXX, I was on the phone for 22 minutes still dealing with the situation. finally getting transferred to a supervisor. I explained to the supervisor whats going on, and she explained that she would be looking into the situation directly and will contact me back. I received a voicemail message on XX/XX/XXXX from her to call back. I called back, got another agent, and was not allowed to speak with the supervisor and was told the extension was never granted because the extension agreement was supposedly not signed by me. I spent 35 minutes on the phone explaining to the agent what happened, she finally offered me another one month extension. Same thing is happening with this extension as Im getting calls about every 3 days and I explain that I requested an extension and all that jazz. Everyone tells me that they will get it taken care of, but I keep getting calls.
Consumer complaint received 2017-02-27
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (NC)

i have fraudulent names, inquiries, credit accounts, names and addresses that I have disputed and Experian XXXX and XXXX will not remove. 
please help me as I am a victim of fraud an after filing with the FTC I still can not get help from the credit reporting agencys
Consumer complaint received 2022-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of Identity Theft and did not make the charge. I asked that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.