davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HANCOCK WHITNEY BANK (TX)

To Whom It May Concern : I am writing this complaint to inform you about the descrepancies that occurred to my mortgage account which in turn has created a major negative effect to my credit report. On XX/XX/XXXX i called in and spoke with a customer service representative by the name of XXXX. She in turn was able to help by correcting and waiving all late fees that were assessed to my account due to the error. She also notified me that my account was fully paid and up to date. and Lastly she supplied me with this email to contact someone to look into this matter to have my payment status reported correctly and remove the 30 day late payment from my credit report. I am requesting to have the 30 day late payment removed from my credit report due to the issues that occurred to my account that were not of my control. 
For the past three months, my account has not been properly deducting my payments from my checking account at Whitney Hancock Bank and processing the ACH payments. Each of the last three months I have deposited the funds for my mortgage into my checking account as usual and came to find out that no ACHs were occurring to deduct the funds from my account. The funds accumulated up to {$3500.00} before i received an alert on my credit report that my mortgage had not been paid. 
When i purchased my home back in XXXX of XXXX, I signed an ACH payment letter stating that my checking account would be automatically deducted from in order to pay my mortgage payments. For the last 20 months, I have not had any missed payments. I take my credit and bill paying seriously and make sure all of my bills are paid monthly without missing any payments. Ive worked extremely hard to get my score above XXXX and would appreciate the help in restoring my credit back to what it was prior to this banking/computer error that has occurred.
Consumer complaint received 2022-03-03
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: AES/PHEAA (MD)

On XX/XX/2022, XXXX refused to correct my current score with them back to pre-student loan debt transfer. It is not my fault I should be punished for something FedloaXXXX and XXXX did when reporting their transfer. I did not abruptly pay all my debt off and get myself into debt again. XXXX corrected my score when they first mistakenly added double my debt. There is absolutely no excuse for their refusal to say there is nothing they can do about it regarding interpreting the debt transfer.
Consumer complaint received 2018-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL (TX)

XXXX XXXX  charged off a XXXX XXXX XXXX account over 5 years ago, did a XXXX and have told me multiple times on the phone this account has been closed. 
I filed a XXXX complaint earlyier this year and then my account suddenly shows up again on my credit report saying I had a outstanding balance and my account is in a late status. This reduced my credit score by over 30 pts  and caused me to not be able to refi on a property. Please help has I called them and was told I deserved it and was hung up on twice. I was also told twice that this should not be on my credit report and they would remove it. XXXX  told me that they can report however they want and I have no right to dispute.
Consumer complaint received 2019-03-25
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. (TX)

I have disputed the inaccurate unverified accounts on the three major credit reporting companies ( XXXX, XXXX, Trans-Union ) XXXX deleted the accounts, but XXXX and Trans-Union are still reporting as verified. I have requested validation of the debts from the collection agencies ... .... 
XXXX XXXX XXXX {$930.00} and {$1500.00} ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ) XXXX XXXX XXXX {$2900.00} ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ) XXXX XXXX XXXX {$2700.00} ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ) XXXX XXXX XXXX {$1800.00} ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX   {$520.00} ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX {$1500.00} ( XX/XX/XXXX ) XXXX XXXX XXXX {$13000.00} ( XX/XX/XXXX ) XXXX XXXXXXXX XXXX XXXX {$7500.00} ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ) and each time they were unable to adequately verify 100 % accurate the accounts but XXXX and Trans-Union continues to state these accounts as verified and accurate after multiple rounds of disputes on the following dates ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ). 
Again XXXX has deemed the accounts as unverified and has deleted them as of ( XX/XX/XXXX ). How is XXXX and Trans-Union able to verify them?
Consumer complaint received 2022-03-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TX)

I have been fighting this collection for 2 years and they continue to violate my rights as a consumer. I have submitted all documentation to XXXX and the Collections company that this debt is not mine yet they have not shown me where this debt has been validated. No signature of mine on any contracts. 
They have refused to remove this collections. I have been told by several attorneys that this collection company has the credit bureaus I. Their pockets. 
I am prepared to file suit all the way to Supreme Court because they are violating me as a consumer.
Consumer complaint received 2021-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (MD)

I will like to report the unethical practices of PNC Bank and how they deliberately re-arranged and backdated my transactions in order to charge fees to my account. My account was charged and debited multiple times and I called my branch and Customer Service over 7 times to complain. They escalated to the Executive Escalation Department and I even wrote twice to Ms. XXXX XXXX and left 5 messages. She eventually spoke with me and was totally unhelpful, claiming that the bank was right in charging me. Her attitude was that there was nothing I could do since it's just me against a big company! She arrogantly told me to go ahead and escalate to the authorities. 
I had funds in my account as at XXXX XXXX, XXXX and I did 3 transactions with a positive balance of {$3.00} at the end of the day. On XX/XX/XXXX, 2 payments hit my account and before I could deposit more funds into it, PNC charged me overdraft fees 5 times for the 3 transactions I did the day before plus the 2 new ones! That is $ XXXX {$180.00}. This is so very fraudulent and unethical! I had a positive balance as at end of day on XX/XX/XXXX. 
I have attached relevant receipts and account activity reports. 

Also, on XX/XX/XXXX at XXXX, I got an alert from PNC Bank that my account was overdrawn by {$54.00} due to a payment. I deposited {$200.00} CASH through a PNC ATM at XXXX on the same day. PNC deliberately kept my cash deposit pending from XX/XX/XXXX to XX/XX/XXXX and proceeded to charge me {$36.00} as overdraft fees! I called Customer Service again and they said they couldn't do anything about it! 
It is so totally unfair for the bank to defraud its customers this way. There was no reason to pend my cash deposit for TWO DAYS, especially since I used a PNC ATM. Even their overdraft alert notice states clearly that you can make a cash deposit through their ATM to avoid any fees. 
PNC Bank can program their system to debit customers in a chronological order. Transactions should be posted as they occur instead of re-arranging transactions to ensure that customers accounts can be charged unnecessarily for overdraft fees. PNC sends account balance transaction alerts after every transaction, so how come they send one balance to customers and claim that there is a different balance in their system? This is just an excuse for their malpractices. The same system can not be showing multiple balances unless it is deliberately rigged to ensure that unsuspecting customers are charged fees fraudulently! 
I am requesting that my complaint should be investigated and the bank should REFUND all the fraudulent fees they charged to my account. The bank officials feel that they are too big to be reported or to get consequences for their unethical behavior. Please intervene. Thank you.
Consumer complaint received 2022-02-13
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. (GA)

My name is XXXX XXXX. Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly ? Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation required under Section 609 (a)(1)(A) & Section 611 (a)(1)(A) ( a consumer contract with my signature on it ) and under Section 611 (5)(A) of the FCRA  you are required to ...promptly DELETE all information which cannot be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance (Section 617) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA
I demand the following accounts be verified or deleted immediately.
Consumer complaint received 2020-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (MD)

Im writing this complaint against Sears/CBNA for derogatory information reported on my credit report. In XX/XX/XXXX, I paid my credit card account in full and the account was closed. In XX/XX/XXXX, I received information from Citi Cards explaining my account was transferred to XXXX XXXX XXXX , XXXX. The letter also instructed me to contact Citi Card at XXXX by XX/XX/XXXX ; unfortunately, I was never afforded the opportunity to address the issue because of the public health crisis ( COVID-19 ) and the governors mandated shutdown. 
Once the restriction was lifted, I contacted XXXX XXXX XXXX, XXXX and spoke with a Ms. XXXX XXXX. I explained that I paid the account off in XXXX and wasnt aware of any unpaid balances. I also asked why Citi Card was reporting late payments on my account. She opened an investigation and provided her direct telephone number XXXX ext. XXXX. In the weeks following, I contacted Citi Card myself to try to resolve the issue. On XX/XX/XXXX, I received correspondence from Citi Card explaining they could not complete the investigation because the purchases were too old. Ms. XXXX was never able to resolve the issue due to no response from Citi Card. 
Finally, with much frustration I settled with XXXX XXXX XXXX , XXXX. I was instructed to contact Citi Card to request them to remove the derogatory late payments. Im requesting Citi Card to remove all the late charges from my credit report for they have not completed any of our requested investigations. They did not show proof of purchases.
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I recently received a copy of my Experian credit report, and I noticed some Transactions posted on my credit report that is excluded by federal laws from my consumer reports : XXXX XXXX XXXX, Acct XXXX XXXX XXXXXXXX Your company is in violation of the FCRA and Metro2 Compliance and reporting violation. 



15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) 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 ; Furthermore, 15 USC 1666b ( a ) : ( a ) TIME TO MAKE PAYMENTS 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 2022-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please ELIMINATE the following accounts completely from my Credit Reports : XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX
Consumer complaint received 2022-02-13
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: SYNCHRONY FINANCIAL (LA)

I made my original purchase from XXXX XXXX  XX/XX/XXXX for the amount of XXXX. I had returned to the store XX/XX/XXXX due the item had not been delivered. The second purchase was made for the amount of XXXX, but the XXXX was not properly credit. I upgraded the next purchase to another mattress with a base for the amount of XXXX minus the XXXX cost for the second purchase, that was returned. The third purchase was delivered adding a charge of XXXX. In XX/XX/XXXX I realize there was a over charge on my bill. I made a dispute with Synchrony, I also made contact with XXXX XXXX with no success of getting this properly taken care of. I should have been charged the cost of XXXX for my purchase. In XX/XX/XXXX I had a balance of XXXX. Thanks to the spreadsheet Synchrony provided I was able to locate the error.
Consumer complaint received 2022-02-13
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. (KY)

I have sent several disputes in the past to have the account reported under XXXX XXXX Bank removed from my credit reports due to being inaccurate. I contacted XXXX XXXX Bank to dispute the information as well and have yet to receive a response. The latest letter I sent to XXXX, XXXX and Equifax to exercise my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request " a description of the procedure used to determine the accuracy and completeness of the information ... ect. Neither XXXX, XXXX nor Equifax, have provided me this information in the 15 day time period allowed and I am making this complaint to show abuse, bias, and prejudice by them not affording me my rights under the FCRA or deleting the information from my credit report.
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (WI)

I called Equifax numerous times to ask why my credit score is not reporting. They have never answered my question of why my score is not reporting. They continue to say they are investigating it but I never get a response back from them. I personally think someone screwed up my account over there and they are covering it up. This is affecting my business and my personal life because lenders keep asking why can't we see your Equifax score as if I am hiding something from them. I would like to know if there has been some mishandling of my account and if not then why is my score not reporting.
Consumer complaint received 2019-03-26
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. (GA)

I was advised to contact you regarding some items on my credit that are not mine. I'm really trying to purchase a family home and this has been holding me up as I didnt know how to approach it at first. I have contacted the FTC and the police here. Please have these items removed from my credit. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX.
Consumer complaint received 2020-06-29
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. (IL)

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 2020-06-11
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. (CO)

One particular issue is that I have disputed that my auto loan with XXXX XXXX XXXX XXXX account number ending in XXXX was supposed to be in good standing with no missed payments. Please see attached letter from XXXX XXXX XXXX XXXX. Which is just one of the issues I have with them for not making sure my credit reports are accurate when Im constantly calling and even speaking with supervisors.
Consumer complaint received 2020-07-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (CA)

My Wife and I XXXX XXXX XXXX were contacted ERC, a credit collection agency. They claimed we owe {$6800.00} on their XX/XX/2020 notice. The nature of the claim is we owe XXXX XXXX XXXX on Account XXXX. 

I contacted the Fraud department of XXXX XXXX XXXX and they said they would investigate. That the {$6800.00} if from four cell phones XXXX ; XXXX XXXX ; XXXX XXXX   and XXXX XXXX. These number are a complete mystery and I told the XXXX XXXX XXXX  Fraud Department.

Today I receive a notification from XXXX XXXX XXXX saying Based on investigation, we conclude that we are responsible for this debt and they are proceeding to collections. 

Please help, we are senior citizens with two cell phones XXXX XXXX XXXX and XXXX XXXX both XXXX. My wife is very upset and so I tried to call the XXXX XXXX XXXX fraud office at XXXX ( five times ) today. They ( XXXX Fraud Department ) want a password or access number for an account we have no knowledge therefore they system hangs up or does not allow us to advance to speak with anyone. Furthermore, the XXXX  XX/XX/2020 letter says if we do not speak with them by XX/XX/2020 we are required to pay the {$6800.00} I called our Congresswoman XXXX XXXX and her Assistant recommend we contact you to help us.
Consumer complaint received 2020-11-30
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. (FL)

AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.
Consumer complaint received 2022-02-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS (WI)

I, XXXX XXXX, have sent several letters explaining in detail the issue of this company 's reporting an verifiable bankruptcy they are reporting on my consumer profile. With each letter I have attached proof of my identity as well as proof that other credit reporting agencies have deleted the unverifiable bankruptcy. I have also attached letter form courthouse and pacer in which each entity state they do not confirm any bankruptcies nor do they report bankruptcies to any credit reporting agencies. The company even removed the unverifiable bankruptcy from their " verified '' report but still have it on their " unverified '' report which is against the law! 
With each letter sent, the reply back was a claim that there was not enough information or that proof of identity wasn't legible. These are fraudulent claims, as every letter included clear copies of identity as well as detailed information. 
This company is in clear violation of the FCRA and my consumer rights.
Consumer complaint received 2020-07-07
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: BARCLAYS BANK DELAWARE (VA)

I've made more than the minimum payment due for these accounts but still incurred two late payments on my credit report XX/XX/2020 and XX/XX/2020. 

I've reached out to Barclay 's to correct their error and no response was given.

I called customer support and they had me email in my bank statements stating it was an error on their payment activity website. I had Autopay still turned on from my old bank account but continued to make timely payments from my new bank account.