davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-28
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: PNC Bank N.A. (TX)

I reached out to XXXX XXXX, Texas PNC branch, and spoke with the Manager on XX/XX/2022, regarding a charge for a Safety Deposit Box. I came into that location, closed the Safety Deposit box, and returned the key in XXXX or XXXX or so before that. The Manager told me that the account was closed, but they needed to take one additional step to finalize the process. This did not happen. She also said she would call me back ; this did not happen. I called on XX/XX/2022, with no successful outcome. I called again today on XX/XX/2022 and no one could help me. The assistant branch XXXX is on vacation. The Branch Manager left early for that day. 

I closed every account at the branch and moved my money out of the bank because no one at the branch could help on any given day. Getting change for {$20.00} through the drive-through took more than 15 minutes. I received a bill during the month of XX/XX/2022 for {$50.00}. I received another bill for {$60.00} on today, XX/XX/2022 for the safety deposit box that I closed several months ago. 

I spoke with someone on XX/XX/2022, named XXXX XXXX in Alabama, and they told me to give you a couple of days to investigate my concern, and they would get back to me. This did not happen. 

Thanks, XXXX XXXX XXXX
Consumer complaint received 2022-06-28
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. (TX)

I received a copy of my credit report and I have found the following account listed below to be in error. Pursuant to 15 USC 1666b a creditor may not treat a payment on a credit card account under LATE OPEN and consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXXXXXX XXXX XXXX XXXX Balance : {$1200.00}, XXXX XXXX Balance : {$9500.00} Date Opened : XX/XX/2007, XXXXXXXX XXXX XXXX XXXX Balance : {$47000.00}, XXXX XXXX Balance : {$3700.00} Date Opened : XX/XX/2007
Consumer complaint received 2022-06-28
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. (OH)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX 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
Consumer complaint received 2022-06-28
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. (NV)

In accordance with the Fair Credit Reporting act XXXX Account # 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. 
The following Accounts Account name XXXX XXXX XXXX Account number:XXXX Date opened : XX/XX/XXXX Status : Closed. {$12.00}, XXXX written off. 
Status updated : XX/XX/XXXX XXXX
Consumer complaint received 2021-02-09
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: EQUIFAX, INC. (GA)

On XX/XX/20 I sent letters to each bureau. I have not received a response yet. I feel like I'm being taken advantage of and being ignored about my disputes. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. My information was also impacted by the Equifax and XXXX XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-07-11
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. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-07-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Upgrade, Inc. (TX)

I overnighted a payoff check to XXXX, it was received on XX/XX/2022 via XXXX tracking XXXX. As of today, XX/XX/2022 the payoff has not been posted to my account. I have contact them twice to follow up, the company is telling me it will take up to 2 weeks to post the payoff to my account. In the meantime they will draft me automatically on XX/XX/2022 an additional {$1200.00}. Further increasing an overpayment on my loan. All while the loan is continuing to accrue interest at a higher balance than should be stated. I am not getting any type of resolution from the servicer and request a review.
Consumer complaint received 2023-03-28
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. (TX)

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022
Consumer complaint received 2024-12-06
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A. (VA)

I received a Best Buy XXXX card in the mail at the end of XXXX. I have a store Best Buy card which I use but never applied for the XXXX. I called Best Buy on XXXX XXXX, 2024 and asked why I received something I didn't apply for. XXXX stated XXXX were sent letters stating they would receive a XXXX card if they did not OPT OUT. I don't remember receiving that correspondence. I think it is a deceitful way of opening a credit card account without acknowledgment from the customer. They have no proof of sending me the OPT OUT letter. Now my credit report will have a notation of me closing an account that I never applied for to begin with. I don't want anything on my credit report to reflect this XXXX account.
Consumer complaint received 2022-07-11
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2022-07-11
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. (VA)

on XX/XX/2022 ive disputed many inaccuracies on my report. ive asked for an investigation to be conducted and for them to please remove any inaccuracies from my report. i received no response to any of my request to investigate and in fact only received a stall letter from XXXX on XX/XX/2022 accusing me of using a third party which has nothing to do with them conducting the investigation that i requested and complying with my written instructions to remove all inaccuracies from my report. they continue to report late payments which are not accurate and continue to violate my HIPAA rights by reporting a medical account and continue to report accounts that they can not provide validation for. these accounts are inaccurate and a defamation to my character. according to federal credit law spelled out in the FCRA, a credit bureau is required to respond to you and complete their investigation within 30 days. if they do not respond within this time frame, they must remove the negative listings disputed. ive sent a follow up letter and still received no response and it has been 40 days since ive disputed these accounts and asked for an investigation which is a violation of my consumer rights.i would like these negative accounts removed from my credit report.
Consumer complaint received 2022-07-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (WA)

On XX/XX/XXXX I closed two accounts with Wells Fargo. I received one check but did not receive the other check which is for an outstanding amount in the total of {$5300.00}. 

I began inquiring as to the checks location during the 2nd week XXXX XXXXXXXX after the first check arrived and the second check did not. I was informed that the check was likely lost in the mail. 

In the third week XXXX  XXXX I completed a notarized form, having it notarized at a local Wells Fargo bank and returning it to them. 

In total I have been on the phone with Wells Fargo for over 8 hours. I have an ongoing case number that I continue to reference and was given an escalation number to Wells Fargo Exceptions. I was told last week that my issue should have a resolution on XX/XX/XXXX, but that resolution is yet to occur. 

I spoke with them most recently on the morning of XX/XX/XXXX, and even via the Exception line, they have been unable to resolve this issue. The agent as previous agents, informed me that they can see the issue, they can validate that the the final distribution of the account has not been cashed. I continue to ask for a bank transfer to resolve this issue after 77 days. Agents agree this seems to be a reasonable request for a bank but can not answer why a manager hasn't called or emailed to setup a time to resolve this issue.
Consumer complaint received 2021-12-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CORELOGIC INC (GA)

I am requesting all information regarding XXXX XXXX XXXX XXXX XXXX, GA XXXX.As stated in my previous communication, my spouse filed personal bankruptcy in XX/XX/XXXX XXXX in the XXXXXXXX XXXX XXXX XXXX My spouse is currently in XXXX as a form of Retaliation. After we discovered the excessive Mortgage Fraud on our personal properties the court ensured we lost of properties knowing we NEVER received a loan. Our ID was stolen and our information was utilized to obtain loans for others. We were require to pay HOA dues, Taxes and Insurances. The ring of individuals were basically stilling from us for years and the XXXX added to the theft. The purpose of my spouse filing Bankruptcy was to obtain assistance with the investigation of fraud. The presiding XXXX denied the request several times in order to take possession of the properties for her colleagues. CoreLogic was located to pay the taxes on the home without notifying us, As a matter of fact we traveled to the court to pay the taxes on the homes but, we were sabotaged and the taxes were paid in order for us to not pay them. In other words a third party stole our homes. We are requesting all communication sent to CORELOGIC by the entity who basically sold our property to them via paying of taxes and the amount the entity was paid to obtain possession of the home. The mortgage we thought was our mortgage included both taxes and insurance which came from the Escrow account. Taxes were paid in XXXX. XXXX, XXXX and XXXX while the properties were under automatic stay. WE WERE NEVER NOTIFIED of any tax payments, The name of the individual who contacted CORELOGIC name to be provided. This is totally criminal and illegal. THE XXXX Trustee is definitely involved.
Consumer complaint received 2021-08-04
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Mercedes Benz Financial Services (NY)

After I was made aware that they were investigating my first complaint via this agency, they update my credit report by only removing the settlement amount from my insurance company not the complete removal allocating the difference between payments of settlement and amount owed. I have continually supplied Mercedes Benz financial with the gap insurance documents concerning said vehicle and policy that was purchased straight through their company. When looking through my online account with Mercedes Benz financial they currently state that I owe XXXX dollars in XXXX of XXXX. They continue to falsely report on my credit report, honor the gap insurance purchased via Mercedes Benz financial themselves and now are holding up millions of dollars in EIDL funding due to their misreporting that a balance of approximately XXXX dollars is actively owed on the account. This account is closed and paid in full yet they refuse to close it out in a timely manner and in concerns to all insurance and/or financial institutions which operate in this great country the USA they must act in good faith and if not they risk civil penalties concerning damages suffered by such bad faith actions including but not limited to monetary damages suffered. The employee investigating the first report does not return calls or questions and Mercedes Benz Financial continues fraudulent reporting to the credit bureaus forcing me to make payments continually in order to secure more payments while they delay in their first investigation of the primary complaint. They have collected over XXXX dollars from me in addition to the settlement received from XXXX. Customer support was contacted this day of XX/XX/XXXX as representative XXXX, refused to release last name, assisted confirming no payment due until XXXX for some odd reason as the reasoning was unknown to even him. He advised that they will continue to report payments and active status until finished in processing which now has been over 4 months. Settlement negotiated that of XX/XX/XXXX as advised of total loss settlement by XXXX customer service. Mercedes Benz financial agreed to release the additional payments made to account through their blackmailed activities forcing me to pay for this entire period. Now today this customer service agent states no such notes are on the account. The lies and deceptive nature of this institution will be evident through my pursuit of reasoning of such activities must be addressed and damages paid in full.
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX XXXX XXXX XXXX  XXXX pXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX Accounts are paid and I never received any opt out notice.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

I am writing to formally dispute inaccurate and incomplete information on my credit report, as is my right under the Fair Credit Reporting Act ( FCRA ). After thoroughly reviewing my report dated XX/XX/scrub>XXXX XXXX XXXX, I have identified several discrepancies and accounts that I do not recognize. As such, I request that these items be promptly investigated and either corrected or removed from my report, as stipulated by Section 611 of the FCRA ( 15 U.S.C. 1681i ).

The FCRA mandates that consumer reporting agencies implement reasonable procedures to ensure maximum possible accuracy in consumer reports ( 15 U.S.C. 1681e ( b ) ). Moreover, 15 U.S.C. 1681s-2 imposes a duty on information providers to refrain from furnishing data they know, or have reasonable cause to believe, is inaccurate. This provision further obligates consumer reporting agencies to promptly delete or modify any information found to be inaccurate or incomplete following a consumer dispute. 

Below are the accounts I am disputing due to inaccuracies, incompleteness, or because they do not belong to me : Accounts to be Investigated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I request that you investigate these inaccuracies and provide me with a written response detailing the results of your investigation. Upon resolution, please send me an updated copy of my credit report reflecting any necessary corrections. 

Thank you for your prompt attention to this matter. Should you require further information to assist in your investigation, please feel free to reach out.
Consumer complaint received 2022-06-22
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (MO)

I co-signed 3 loans. They were originally XXXX  loans, and they explained they were sold and became all Sallie Mae. As the Co-Signer, this information was only sent to the borrower. I XXXX was in bankruptcy and have been discharged XXXX  XXXX XXXX. The loans were listed as unsecured priority. Upon the discharge the bills began to come to my home address. then the letters of default. I called and they said the loans has not had payment in 2 months. i noticed they had sent this information to the credit reporting agencies. also concerned if this loas should be forgiven,. 

I asked about the law suit on discharge of loans and XXXX and did this apply. Since they are a private debt, the bankruptcy code previously required a adversary proceeding, an had to apply the XXXX test. My chapter listed it was being paid outside my plain. they were aware, as the billing stopped during this period, They knew I was going to be discharged ; I sent the a case that until XX/XX/2021, when a federal court ruled that private student loans are not considered qualified higher education expenses under the U.S. Bankruptcy Code.
Consumer complaint received 2019-10-25
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

Well i was effected by Identity theft and was told to file a police report and File a Theft report with the F.T.C.  Well I filed my F.T.C Theft report on or around XXXX and recontacted them around XXXX for any update on my case. I was told it was still under investigation. Well its now XXXX and i havent heard anything about my Identity theft file claim. Its been way over 30 days and i havent had any update or anythjing to my account. I was told it takes up to 48 hours for my file to Block the Stolen Info thats on my report. But Experian and XXXX  wont Block and complete my theft report claim. Its been over 60 days and I havent got any responses. Can you have them to please Block the account so i can get thru this horrible Identity theft. XXXX followed up without any issues and Blocked after there investigation. So why cant the others follow suit and do the same since they BOTH verify about the same way. I hope its accurate and not illegally posted.
Consumer complaint received 2022-12-03
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 ask 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 Commissions Identity Theft Affidavit. Please delete the items as soon as possible.