davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PNC Bank N.A. (NJ)

On XX/XX/2020, my husband and I visited the PNC Bank branch in XXXX XXXX, NJ to close on a home equity loan. The purpose of the loan was to refinance my 1st mortgage with XXXX XXXX, along with a small home equity loan currently with PNC. After the closing, we were advised that the right of recession would expire on Friday, XX/XX/2020 and that two loans will be paid in full within one to two business days and the net proceeds would be disbursed to me. As of today, XX/XX/XXXX, both loans which were subject to refinance are still active, including the home equity with PNC. Additionally, the net proceeds have not been disbursed. I left a voice mail for the loan manager on XX/XX/XXXX which went without a response. This morning, I contacted the branch at which the closing took place, and it is closed. 
Given that I am out of alternatives, and now the new loan and the existing loans are concurrently accruing interest, I was left with no choice but to ask for your assistance.
Consumer complaint received 2020-07-17
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: Experian Information Solutions Inc. (FL)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2020-07-18
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: Experian Information Solutions Inc. (SC)

AFTER REVIEWING MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ITEMS THAT HAVE CAUSED SEVERE DAMAGE TO MY CREDIT FILE. THESE ACCOUNTS ARE REPORTING INACCURATELY AND I WANT TO REQUEST AN INVESTIGATION INTO THIS MATTER TO HAVE THOSE ACCOUNTS PERMANENTLY REMOVED OFF MY CREDIT FILE.
Consumer complaint received 2020-07-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

i checked my credit report and ARS account resolution was listed on my report and i reached out to this company to provide me details on this account and they were unable to verify my information and i never received any notice from this company. 

I have the same exact name as my father and son and they were unable to verify my information correctly and yet they are still on my credit report reporting negative unverified information! 

This is hurting my credit score during a global pandemic and i'm unable to get credit when i need it the most to help my family during this time. 

This is against the FCRA to place unverified information on a consumers report and they didn't even send out any notices pertaining to this account. 
Unfair!
Consumer complaint received 2020-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CO)

Experian stated to me outside of sending this information to the CFPB that The company reported the information to them has certified to Experian that the information is accurate that I had a bankruptcy. I am requesting a copy of that CERTIFIED INFORMATION be sent if to the CFPB I want to review the document that I know is fraud because I have never had a bankruptcy. and if experian fail to send this CERTIFIED INFORMATION AND ATTACHED A CERTIFIED COPY HERE this item must be or I will exercise my legal right to sue EXPERIAN FOR FRAUD. 

I will not accept any information to be accurate unless it is attach here. Experian should not not have anything to hide from the CFPB.
Consumer complaint received 2023-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (KY)

I have had a freeze on my credit and am still getting notifications of my credit being pulled for different companies and offers. I have tried to get inaccurate information removed to no avail. I have tried to get all inaccurate data removed from the bureaus such as negative items and all previous debt that has been paid.
Consumer complaint received 2020-07-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (FL)

TODAYS XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1969 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX  XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the  pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CREDIT COLL   XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/1969 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2023-01-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (NC)

SUMMARY : XXXX. On XXXX XXXX XXXX wallet was infiltrated. 
XXXX. Without my authorization or knowledge, {$200.00} worth of XXXX ( XXXX ETH ) was transferred out of my wallet. 
XXXX. The funds ended up on the Binance XXXX. 
The details below are provided in the hopes that each recipient will help investigate or facilitate investigation into this matter. 
ALL OF THE FOLLOWING TRANSACTIONS ARE UNAUTHORIZED/ILLEGAL o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) This message and attached documents are being sent XXXX the following organizations : - U.S. Federal Trade Commission ( FTC ) - Commodity Futures Trading Commission ( CFTC ) - U.S. Securities and Exchange Commission ( SEC ) - XXXX XXXX XXXX XXXX XXXX XXXX  ) - Consumer Financial Protection Bureau ( CFPB ) - Binance XXXX Binance XXXX XXXX XXXX Thanks in advance for your help in this matter. 
Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX mobile )
Consumer complaint received 2020-10-05
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. (MI)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (WI)

There is an inquiry on my credit report from JPMCB from XX/XX/2019. I did not apply for any new credit around that time nor did i authorize for anyone to run an inquiry. I have never done business with JPMCB and have written the company directly on several occasions to remedy to situation, they have failed to respond. When i call customer service they require this in writing.
Consumer complaint received 2021-05-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (FL)

My account was banned last year for no reason and they told me wait 180 days. Ok even though thats extremely long I waited. After 180 days I still have not received an email! I emailed them and they said just wait for an email. Theyre not even following theyre own rules! How you have a policy to hold funds for 180 days then when that day come you cant give me my funds. The 180th day was XX/XX/XXXX and I still didnt receive an email to retrieve my funds. This is illegal and PayPal are scammers with a legal business. I came here because on the PayPal community center other users said they had to file a complaint to get they money back. I was hoping you could help me too. My email for PayPal is ( XXXX )
Consumer complaint received 2020-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc. (GA)

I was shocked when I reviewed my credit report and found late payment on the payment history from your company. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2023-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-05-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (TN)

I was written a letter of owing for a carpet cleaning in the amount of XXXX after moving out of my apartment of 11 years on XX/XX/XXXX of last year. I know for a fact having lived their that long that they replace the carpets immediately following a move out, so why would I owe to get something cleaned they are going to remove? Please see my email to them the day I received the notification. Following this email to them I heard nothing else and then it hits my credit report for collection. I do not owe this amount and this should be removed from my credit report as it is now hitting it in a negative manner. I would like your help in resolving this as I can't get this resolved with the company because they don't answer the phones at any of their locations. 

To whom it may concern, I recently moved out of this unit after having moved in XX/XX/XXXX of XXXX. From XX/XX/XXXX to XX/XX/XXXX of XXXX, not one thing other than the water heater that busted and the compressor that wore down, because who knows how old it was already, was replaced aside from a few toilet handles etc, here and there. You can not tell me that the carpet, which you want to try to charge me XXXX dollars for, isn't due to be replaced before someone else moves in. That's just simply unsanitary. With this being said, I will NOT be paying for this bill. Especially when it was cleaned each year thru the company you have hired upon each lease renewal, as a deal to your tenants. If you continue to come after me for this obscene charge I will be reporting this request and the fact that you are trying to get out of replacing this for new tenants, especially after Covid season, to the XXXX. I had lived there long enough to know that you do in fact replace carpets in most units, so this should be no exception. This is insulting and frankly after being a gracious and respectful tenant that produced zero issues at your complex, I am extremely disappointed and find this very unprofessional. Thank you and please take this to your corporate office. XXXX
Consumer complaint received 2023-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Scott Fetzer Financial Group Inc. (GA)

I have reached out to the company several times they replay by stating that they are following the credit laws which they clearly are not I recently received a copy of my consumer report, and I noticed some late payments posted on my consumer report : United Consumer Finance account XXXX XXXX This company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumerr AXXXX XXXX and the person XXXX XXXX XXXX Making the report is not INCLUDED on my Consumer report! A Late payment is a transactional history, My HISTORY with your company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS
Consumer complaint received 2021-05-13
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (TX)

I refined my home with XXXX XXXX mortgage on XX/XX/XXXX. XXXX XXXX title company XXXX XXXX XXXX did the settlement. Title company sent the funds to Mr Cooper on XX/XX/XXXX and they did confirmation that funds were with drawn on XX/XX/XXXX. Mr Cooper still shows my loan and active as of today and my payment is due on XX/XX/XXXX. As of today two mortgage companies are holding my loan. I called multiple times to Mr Cooper customer service and they are saying they didn't receive pay off
Consumer complaint received 2021-03-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (VA)

On XX/XX/XXXX I submitted an Employment Certification Form ( " ECF '' ) for Public Service Law Forgiveness. This form was auto generated through StudentAid.gov, and had a number of errors such as stating my EIN was not a government agencyXXXX when it in fact is. This error ultimately was on my part for failing to adequately review the form. 

I resubmitted the ECF on XX/XX/XXXX and it was rejected due to a failure of me to date the form. This error was on my part. 

I resubmitted the ECF on XX/XX/XXXX. The ECF covered approximately 21 payments. I received a response on XX/XX/XXXX. Despite having submitted an ECF beginning XX/XX/XXXX, FedLoan ignored the time period between XX/XX/XXXX and XX/XX/XXXX and only certified one payment. The other 20 payments remained eligible, but not certified. The explanation that I was provided was that on my XX/XX/XXXX ECF form I used the start date of XX/XX/XXXX rather XX/XX/XXXX, which I put in based on the following instruction from StudentAid.gov PSLF Help Tool : " Note : Only add your employment history since your last approved employment certification '' No explanation was provided for why the period of XX/XX/XXXX through XX/XX/XXXX was ignored On XX/XX/XXXX I submitted another ECF. To date, I have not received any update on that form and have an e-mail chain consisting of numerous FedLoan representatives providing conflicting information, stock responses, and a general lack of clarity. In one instance, XX/XX/XXXX, XXXX informed me that the reason for the delay was because I did not use the form on StudentAid.gov. I did. No explanation has been provided for why this was informed to me. In another e-mail, I was told it was a general review of all employers ; however, my employer remains on StudentAid.Gov as verified. It appears evident that if a customer service representative does not know the answer to a particular problem, they answer with either a guess or a stock response rather than escalating it to someone who can provide an honest, direct answer. 

I have worked for the city of XXXX  XXXX without interruption since XXXX of XXXX. It is a government agency. Further, I am an XXXX engaged in XXXX XXXX XXXX, which is a secondary basis for eligibility. My employer is unquestionably verified, and the EIN continues to appear as Eligible in the PSLF help tool
Consumer complaint received 2023-01-19
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Bank of America XXXX XX/XX/XXXX I got an alert that my account balance was low. When I looked at my account I discovered that {$5700.00} was taking out of my checking and savings account. {$700.00} from my checking and {$5000.00} from my savings. 

I was told by Bank of America that they have 90 to refund my money and they didn't. Nobody will give me any information and I'm not sure what to do. All they have said after spending hours on the phone is that they are investigating it.
Consumer complaint received 2023-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PA)

When I went to apply for a personal loan at a bank it says I had too many inquiries within 12months... too many transactions ... .etc. When I got all the copies of inquiries, my name ( both first and last ) was spelled improperly, addresses was incorrect, and I previously sent in a complaint and have yet to hear of the outcome, it's been over a year. Now I'm trying to correct and fix everything properly again.
Consumer complaint received 2021-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

Filed numerous complaints and disputes with equifax and XXXX  also XXXX  and showed proof of inaccurate reporting on my credit with no results will attach all info
Consumer complaint received 2023-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IN)

I had just been informed that I have been a victim of an Equifax data breach. Plus I just just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile And in accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, XXXX has violated my rights 15 USC 1681 section 602 A. States that I have the right to privacy 15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written consent If you have any questions or concerns I can be reached at XXXX.
Consumer complaint received 2021-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

I finally paid off my last debt months back n none of the three credit bureaus will accept my paid in full receipt! I have been fighting their games for years n I am finally in a position to change my life, n the credit bureaus r holding me back by not allowing me the chance to become debt free! Made r tried to make complaints in the past, which r really useless when you receive the typical canned response to check a box n make me go away!
Consumer complaint received 2021-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Penn Credit Corporation (SC)

XXXX credit corporation is reporting a fraudulent charge for collections on my credit from city of XXXX about from 7 years ago. This account was closed when I graduated college but since 2015 they have been reporting that I owe XXXX from about a year after I left the whole state.