davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-07
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-01-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SERVICEMAC, LLC (GA)

Our mortgage was switched to ServiceMac , LLC ( involuntarily ). Since that time, we have had issues with communication. For example, our escrow amount was increased without written notice in XX/XX/XXXX. 

Then, in XX/XX/XXXX, we switched checking account. On XX/XX/XXXX, I called to confirm that the payment had gone through, and confirmed with the representative on the phone that they had the correct checking and routing number. This conversation was recorded, and it was verified that they had the correct information for our checking and routing. We were assessed return fees even though the error was ServiceMac 's. I was told that a supervisor could waive this fee. However, I was not given a ServiceMac contact information, and I was told that I would not receive an email confirming this. It would be reflected on my account. I had to make a payment over the phone because of ServiceMac 's error. Please confirm that ServiceMac has waived this return fee because the return was not the consumer ( XXXX XXXX 's error ). 

Second, with our prior mortgage servicing company, I could see specifically how much was in escrow and what payments were made to whom. However, with ServiceMac, they have to run analysis. I want to know specifically where our escrow payments are going since they were increased by XXXX. Again, when I requested this on XX/XX/XXXX, I was told that a " requesting an analysis '' of our escrow had to be done. We want an itemization of all the money going in and out of escrow.
Consumer complaint received 2023-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (GA)

This is a renewed dispute from XX/XX/ for a charge on XXXX  for {$800.00} from XXXX XXXX XXXX original complaint # XXXX. I made an agreement with XXXX XXXX XXXX company for {$1700.00} on XX/XX/ for house rep. {$800.00} was supposed to be used to replace the rotting siding on the chimney. He didnt replace the rotting chimney siding nor did he present a copy of his order for the wood. He cleaned the rotting siding by sanding and repainting it and putting it back on the house which was not the agreement. I used my Chase card ending in XXXX to pay for the work. Per XXXX rules : Im guaranteed and protected from fraud as well as have XXXX liability for products I bought but didnt receive. You dont pay for what you dont get. I paid {$800.00} for siding that XXXX XXXX XXXX didnt buy. I disputed the charge because not only did I not get what I paid for but I had to pay another company to buy and replace the wood siding. I presented the paper work and pictures to show that. Chase wanted a second opinion which was highly unusual and a pretext to avoid refunding the claim.in these. The courts only required proof of purchase and repairs. I am not responsible for the XXXX transaction for siding that I paid for but did not receive. I want my money back. Attempts made by Chase and me to contact the owner by phone were ineffective. The new XXXX  rules were not in place when I filed the original complaint and Chase never refunded my money.
Consumer complaint received 2023-01-07
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: WHEELS FINANCIAL GROUP, LLC. (MI)

On top of all this illegal title loan company Loanmart has send me illegal documents and sign my name to them. I have email 's showing I have not sign no documents with this illegal loan company. Last time I sign a document was when I received the loan in XXXX. Illegal put my credit report XX/XX/XXXX and sent me illegal documents saying I released my car. Just received these illegal documents in my email today XX/XX/XXXX but date on them is XX/XX/XXXX. They illegal took my car on XX/XX/XXXX illegal pull my credit also. Yes copy of the illegal documents that was sent to me today this claim i just file you just sent over to loanmart I got this illegal document in return I never got this document or sign it just received it today XX/XX/XXXX
Consumer complaint received 2019-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

On XX/XX/XXXX Capital One reported to XXXX, and XXXX that my Capital One credit card ending in XXXX, balance was {$190.00} which was correct. On XX/XX/XXXX they reported to XXXX that my balance was {$660.00} which is not correct. My credit score dropped 26 points with XXXX due to this error. I called and alerted them of the issue and they indicated that they could not help me. I asked for a supervisor of the department that had reported the wrong information and was told that the person I was speaking to was the only one that I could speak with and they could not transfer me. I am in the process of working with a bank to purchase a home and the impact of this score has been detrimental to me due to needing to have this corrected quickly. I need them to immediately correct their mistake.
Consumer complaint received 2023-01-07
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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, 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-05
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: Experian Information Solutions Inc. (CA)

Reporting incorrect information - 1 ) reported in XXXX 2 ) First Delinquent date incorrect XXXX 3 ) Account was paid - All the dates changed after that 3 ) Tried to fix with XXXX XXXX XXXX They couldn't find it per the customer service rep. I was instructed to write a letter in XXXX and I did, no response was ever received, over 30 days to investigate. 
4 ) Reported to all the reporting agencies and they will not review old reports to see the issue. The reporting agencies are not following up, or requesting documentation for this error. 


XXXX XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-05
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : #, Account name : # XXXX, Account name : # 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (TN)

On Thursday the XXXX of XXXX I transferred XXXX into my savings account. Unbeknownst to me because my savings account was at {$0.00}, my money was put on hold. I did not find this out until Sunday the XXXX of XXXX when I tried to transfer my money out of savings. I spent the next two days trying to get the money out of my savings but my bank refused to transfer it into my checking. It was not until XX/XX/XXXX that I was able to finally transfer the money out of my savings account into my checking to cover bills. However it was too late because regions hit me with a {$100.00} overdraft fee. I am XXXX and receive XXXX payments losing that much money and having that big of a negative in my account could potentially cause homelessness.
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Can I called XXXX XXXX at for my XXXX XXXX card? I called them and I discussed with them making a payment. I made a payment of {$47.00}. They told me that all I had to do was call back after I made the payment and it would prevent me from having a bad standing with them on my credit report. Then today I get notified that my credit score just dropped XXXX points because of them and I already made that payment and now they told me when I called him this morning that I have to write a letter to them this could take two more weeks or more to get this resolved. In the meantime, my credit score has plummeted another XXXX points and I dont feel thats fair thats not what they told me when they told me that they made that {$47.00} payment they told me it would be in good standing after that now its not and I need some help with us because I dont have time being sick like I am and permanently disable to write letters and wait for the responses and things when they made false promises in the beginning.
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MN)

I noticed that Experian, XXXX and XXXX XXXX XXXX were reporting incorrect information on my consumer reports. I then investigated the accounts to see when they were opened and how they were used. I came to the conclusion that my information was used fraudulently to open and misuse accounts that I had no knowledge of. I contacted the entity who allowed the account or credit line to be opened and informed them of the fraudulent activity. I then wrote three letters to each furnishing company that was reporting the information ( Experian, XXXX and XXXX XXXX ). I wrote a dispute on XX/XX/XXXX, requesting proof of how these accounts were opened and asking that all the information be changed to show accurate information. I then wrote another letter on XX/XX/XXXX, because I had heard no correspondence in regards to my concern of the inaccurate information shown on my consumer reports and asked that they be investigated and deleted if not deemed accurate or correct. I proceeded to call the companies on XX/XX/XXXX, to make a over the phone dispute of the inaccurate and fraudulent activity that had been placed on my report and still received any response. After a week on XX/XX/XXXX, I sent a cease and desist letter to the three companies mentioned to permanently erase the inaccurate and fraudulent information. Under the Fair Credit Act, these companies have not investigated and provided proof of accurate or correct information on my consumer reports which is stopping me to handle legal and personal business.
Consumer complaint received 2023-01-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (TX)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against PNC Bank for the ongoing issues I and many other users have experienced with mobile and online account access. 

I recently opened an account with PNC ( on XX/XX/2022 ) and have been unable to access my account through the mobile app or on a browser. When I first encountered this issue, an agent at the bank assured me that it was a temporary issue that would be fixed soon. However, it has now been several days and I am still unable to access my account. 

According to " XXXX XXXX '' sites, there have been a large number of user reports about problems with PNC 's mobile and online banking services. This has also been reported on social media, with many users stating that they are unable to access their accounts. 

What is most concerning to me is the lack of response from PNC on this issue. There have been no official statements from the bank on their websites or social media accounts, and it appears that PNC is ignoring users who are asking about these problems on social media. 

I am writing to request that the Consumer Financial Protection Bureau take action to address this issue and ensure that PNC is held accountable for their lack of transparency and customer service. The inability to access my account is a major inconvenience and is causing me undue stress and frustration. 

While I have been unable to screenshot the error screens on my phone and browser for the days I have been locked out of my account, and I understand that third party user report sites may not be good evidence, please investigate PNC Bank 's practices and how they handle their services and customer satisfaction. This issue is causing me great frustration and inconvenience, but many other people facing this are not as fortunate and rely on these services to pay their bills, mortgages, etc. and can not do so because of PNC 's negligence. 

Sincerely, XXXX XXXX
Consumer complaint received 2015-12-10
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Bank of America began putting holds on all of my deposits for the last 2 weeks of every month. I called them every day to get those holds released, and got different answers each time, from " sure, right away '' to " this is the last time we 're ever doing this for you '' to " we ca n't do anything about this, you just have to wait ''. I 've wasted at least 20 hours total over 3 months calling them to release holds. XXXX of these holds caused a payment to bounce to a charge card, which caused XXXX XXXX to impose a limit on that card, which previously had no set spending limit. In XXXX, they went a step further. They put a 10-day hold on a deposit, and then retroactively placed holds on all deposits from the previous week, which had already posted to my account, overdrawing my account by roughly {$2500.00}. They then bounced every payment that came in, which caused late payments to creditors and returned item fees. Some of the payment accounts charged a separate returned payment fee, which also bounced, and I now have XXXX accounts that are in collections. Bank of America then charged me NSF fees of {$35.00} per transaction 4 times a day. The hold notice I received said that any fees would be credited after the holds cleared, but that I would have to call them. When I called them, I spent 45 minutes on the phone, most of that time on hold, waiting for the agent to " see what she could do '' about this, and " not guaranteeing anything ''. Multiple times agents made promises that someone would call me back by the end of the day, and none of those promises were ever kept. Ultimately the fees were credited. But the effects remain : a charge card with a new limit that restricts my ability to operate my business, delinquency reports on my credit report for late payments as a result of overdrafts, 20+ hours of wasted time, accounts in collections, and literally hundreds of dollars in fees incurred as a result of Bank of America placing holds on my deposits.
Consumer complaint received 2023-01-07
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: U.S. BANCORP (IL)

I have 2 fraudulent inquiries on my credit report that I didnt authorize. These inquiries are fraudulent and need to be removed from my credit file immediately. The inquiries are from XXXX XXXX on XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX. Someone tried to open an account in my name.
Consumer complaint received 2023-01-07
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. (IL)

I have XXXX fraudulent inquiries on my credit report that I didnt authorize. These inquiries are fraudulent and need to be removed from my credit file immediately. The inquiries are from XXXX XXXX  on XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX. Someone tried to open an account in my name.
Consumer complaint received 2023-01-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX : {$13000.00} XXXX XXXX Balance : {$5700.00} XXXX XXXX XXXX : {$2400.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-01-01
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: Bread Financial Holdings, Inc. (NJ)

I paid a large balance off in full in XXXX, this was the last time the credit card company updated my balance to my credit report. Today, 5 months later, the previous balance is still listed. When I filed a dispute via XXXX, the line item was removed due to lack of response from the card issuer thus removing a large available credit facility. Comenity bank is the issuer for my XXXX XXXX XXXX
Consumer complaint received 2023-01-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC (MD)

I got a XXXX XXXX XXXX XXXX from XXXX XXXX XXXX with monthly installments I was paying everything on that this was in XXXX come XXXX of XXXX had a bit of misfortune I was XXXX  which payment stopped after that month was my last payment I come home XX/XX/XXXX and Im trying to get my phone back on I forgot the Lock Screen code took a couple of to get that right called all around trying to fix the problem when I find out who the XXXX party collection was called them like the XXXX week of XXXX explained my situation again asking to set payment plan no they want it in full I stressed that I couldnt come up with that when I only had XXXX left to pay on phone for it to be mine anyway still nothing they wanted it in full I exhausted all my resources like I told XXXX XXXX XXXX record show I was a excellent customer until my misfortune happened and I cant get any leniency what was I a good customer for XXXX I only owed XXXX XXXX dollars on my bill when I got incarcerated come home on XX/XX/XXXX they want {$1200.00} how thats so unfair.
Consumer complaint received 2015-06-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have asked Trans union to remove this account for numerous reasons. Number XXXX, my social security is the account number. Number XXXX this same account is listed XXXX times on this credit agency and since XX/XX/XXXX. It needs to be removed. Please help me with this. 

XXXX # XXXX IXXXX XXXX, WI XXXX ( XXXX ) XXXXXXXXDate Opened : XXXX/XXXX/XXXXResponsibility : Individual AccountAccount Type : Installment AccountLoan Type : STUDENT LOANBalance : $ XXXXDate Updated : XXXX/XXXX/XXXXPayment Received : $ XXXXHigh Balance : $ XXXXXXXXPay Status : Current ; Paid or Paying as AgreedTerms : {$140.00} per month, paid MonthlyDate Closed : XXXX/XXXX/XXXX & gt ; Maximum Delinquency of 120 days in XXXX for {$980.00} and in XXXX for {$1000.00} & lt ; Remarks : TRANSFERRED TO ANOTHER OFFICEXXXX have asked for method of verification and never recieved. I will relieve this complaint if they remove this inaccurate entry. They have been very helpful in the past. Please ask them to help with this.