davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-12
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

complaint against : Bank of America / prepaid ( employment development dept, they handle everyones unemployment funds through direct depositing unemployment benefits ) so maybe could be against employment development department. 

unauthorized charged made with my debit card for approx {$98.00} on XX/XX/2020 so i put a hold on the card thru online acct so no further unauthorized charges could be made. contacted the bank of america to dispute the charge on my account since they state 100 % protection against unauthorized charges on their agreement. so the cust svs rep tells me to hold on while he transfer me to the dept in charge of that since there is a hold on my account. well needless to say way over 10 attempts after that first one ive attempted early in the morning middle of the day and before business hours closing for at least 2 hours each time with no answer just the same msg repesating every minute. 

so i called back to regular cust svs to see what options i could do to take care of my unauthorized charge says you just have to wait for as long as it takes them to answer. so i ask him is there any way i can have another card sent out to me since my card was suspended by me and that i would file as claim when i had time to wait on hold he says yeah i can do that for yoju no pfoblem and tells me he is sending it out to me express shipping 3-4 days to arrive. then i ask i can walk in to the bank and get my money out right like it should be he says oh no you cant get any money out because i already reported your card as lost or stolen and since its a prepaid account the number on the card is also your acct number so it wont show up until i activate the new card so i called back about a few days ago to cust service because its been about a week an a half and i still have not received my card and tells me yeah you have to be on hold fofr until they pick up the call basically avoiding any kind of solution but is telling me now that i cant even get my money out of the bank because of the hold the bank put on my acct until it is cleared by their risk management dept. and transfer me back to the same dept waited again for two hours before hanging up mad and cant get thru to them cust svs reps keep avoiding any helping me with thasg they just say to stasy on hold and employment development dept says i have to deal with bank of america they have no clue what verification they are talking about yet they still accepted my last 2 deposits. i dont know what to do i have no money at all cant get anybody to help on this issue but i know they are doing this to everybody i know. they need to either hire more staff or change their way of dealing with this. thank you for any help and for your time. im sure you morev important things to deal with but you are my last resource.
Consumer complaint received 2020-11-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery Associates is seeking to collect a debt which I had successfully disputed with credit agencies in the past as debt which was not mine. All credit agencies had removed this debt from my reports, and now Portfolio Recovery Associates is adding this item to all of my credit reports when it is not even my legitimate debt, which had previously been agreed upon. Please ask this predatory debt collector to remove this.
Consumer complaint received 2020-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been a victim of fraud and i am in the process of trying to get my credit back in order. Every year i hav to ofile my taxes with a security code. I have sent a copy of the various items on my report that does not belong to me along with an FTC original letter addressing these items as well to all 3 credit bureaus. TransUnion and XXXX  keeps stating that they have not received it although i have certified proof that the information was indeed signed for by their organization. It has now been well over 30 days as this is my second attempt to get these matters rectified without any success. I am trying to purchase a home and this has hendered me greatly. So fa XXXX has complied and assisted me with my matter. Any assistance with this matter will be appreciated.
Consumer complaint received 2020-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

Equifax has continued to report inaccurate information on my report. I have dispute for a year and now hired a law firm. They send generated messages XXXX verified which is a lie because I have NEVER received signed documents or original, or any paperwork for that matter that is required to prove my federal law. I have requested help from them, PROOF and nothing but generic responses. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX were stolen from me. I have sent requested fraud reports 3 times to collections companies and they say they dont get it. Its a run around game and I am now seeking legal help. I have not received anything from them but lies.
Consumer complaint received 2020-09-03
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. (IL)

The credit bureau 's are reporting inaccurate information on my credit report. Im uploading a copy of my dispute letter to show you the inaccurate accounts on my report. This is illegal and effecting me negatively.
Consumer complaint received 2021-03-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BMO Bank, N.A. (CO)

I have a PUA claim/file that was put on an Integrity Hold due to possible fraud on XX/XX/2021. I filed the appropriate report with XXXX XXXX fraud department. 

Once benefits were resumed for the PUA program, I applied to have my account reverified and for benefits to resume. XXXX did reverify and reopen my claim. I submitted 11 weekly certifications dating back to XX/XX/2021 to XX/XX/2021. Payment was processed for those weeks and payment was made on XX/XX/2021. On XX/XX/2021 I still had not seen a deposit come through for any of those weeks to my bank account - from the very beginning of my claim being active, funds had been direct deposited to my personal account. 

When I went into my dashboard to investigate, I discovered that someone had accessed my account and entered routing information and an account number for direct deposit that was not mine, as well as changed the tax withholdings to {$0.00}. The financial institution was listed as " BMO HARRIS BANK , N.A . ", account number ending in " XXXX '' and routing number " XXXX ''. The total amount processed and deposited to this incorrect account was {$7700.00}, on XX/XX/2021 via direct deposit. 

I immediately contacted BMO Harris Bank to solicit their assistance with putting a stop/hold on these payments, reversing the deposits, or any suggestions they had to remedy this issue. Clearly their bank was complicit in moving and disbursing funds that were fraudulently allocated. However, I received no such assistance. I was told that despite proving I have NO account with their institution, under my name or SSN, they could not put a stop/hold on the deposits or put any sort of a flag based on the account information I was able to share. They offered no practical solution beyond telling me to call CDLE and file a police report, and wait. Needless to say, there is a lot of time being lost while I make such calls without any action on the part of the bank through which these funds are being illegally obtained and moved.
Consumer complaint received 2020-07-15
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. (AR)

I called XXXX XXXX to get tv service. While I was trying to set things up, I was told that there had already been an account open under my name and that it had an outstanding balance due. I explained to them how incorrect that information was, but they told me that there was nothing they can do. My identity has been compromised and I decided to get my report pulled to see what was happening. I found several unknown accounts that do not belong to me. Please get these fraudulent accounts off my report.
Consumer complaint received 2020-07-06
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. (MD)

On my Experian credit report, an inaccurate, negative item from XXXX XXXX XXXX appears. Despite my repeated requests for proof of validation, Experian has failed to validate this item, while continuing to report this negative item on my credit report. 

I contacted XXXX XXXX, the mortgage company, which should be the reporting entity and asked for a history of this loan. They provided a letter ( attached ) and were not able to validate XXXX XXXX involvement in this loan. I am requesting that XXXX be deleted from my Experian credit report.
Consumer complaint received 2021-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (TX)

There are two ( 2 ) accounts showing on my XXXX account. 

- Synchrony XXXX XXXX XXXX ) - Synchrony XXXX XXXX XXXX XXXX Synchrony XXXX converted my account to Synchrony XXXX a few years ago. There is only one ( 1 ) account but XXXX is showing two ( 2 ) separate accounts - with duplicate information.

I've attempted on several occasions to dispute this error without success. 

I spoke w/SH on XXXX XXXX to lodge a complaint. I spoke with a representative ( XXXX with ID # XXXX XXXX.
Consumer complaint received 2020-07-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION (FL)

On Thursday XX/XX/XXXX a business loan for XXXX was deposited into my account. I went on XX/XX/XXXX to get a cashiers check to move the funds to my actual business account when I was notified that my account was froze. When I called the same day I was told I would have to wait for them to conclude their investigation and Ill receive a letter in the mail. Nobody has been able to answer my questions. I called XX/XX/XXXX and was notified that the account is actually in the process on being closed. Im assuming the investigation is because of the amount deposited. I have all documents on the business loan but nobody has reached out to me to rectify the situation. Now I have XXXX that I dont even know when I will be able to access. Obviously I need the money ASAP or I wouldnt have applied for the loan. Now I cant access my account at all or any of my funds.
Consumer complaint received 2020-07-06
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (IL)

XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2020 KIA MOTORS FINANCE CUSTOMER SERVICE XXXX XXXX  XXXX XXXX XXXX, CA XXXX Attention All applicable In Re : XXXX XXXX XXXX -- -- XXXX Account # XXXX To all Applicable : This correspondence is being forward to your attention seeking your immediate attention on the above-referenced vehicle. On or about XX/XX/202, this account has been settled in full as contractually agreed. In other words, send me any overpayment due along with my vehicle title, IMMEDIATELY. 



Should you have any questions or concerns do not hesitate to contact me at any time, Sincerely, XXXX XXXX Digital Signature encl XX/XX/2020
Consumer complaint received 2023-03-29
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: CITIBANK, N.A. (NJ)

In accordance with the Fair Credit Reporting Act, CITI BANK has violated my rights. ( Address : XXXX XXXX XXXX XXXX XXXX, SD XXXX Phone Number : ( XXXX ) XXXX ) 15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B states a creditor may not treat a late payment on a credit card account under an open end consumer credit plan as a late payment for any purpose.
Consumer complaint received 2020-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (NV)

This complaint is to address the misinformation on my credit report regarding my account with XXXX XXXX XXXX XXXX  which states my account is in derogatory status when that is incorrect. I entered a payment agreement with XXXX XXXX XXXX  when they sent my account to collections with MCM ( Midland Credit Management ) to settle the account for {$820.00}. The payments were made in the following installments : {$100.00} on XX/XX/XXXX, {$180.00} on XX/XX/XXXX, {$180.00} on XX/XX/XXXX, {$180.00} on XX/XX/XXXX, and {$180.00} on XX/XX/XXXX. The original account number is XXXX. I called Midland Credit Management at XXXX on XX/XX/XXXX at XXXX PST to confront this account and confirm that this account would be placed in PAID status and not derogatory, and this was confirmed by the sales rep on the phone named XXXX XXXX . It is XX/XX/XXXX, and this account is still wrongfully marked as derogatory on my credit report despite me abiding to the agreed upon payment arrangement.
Consumer complaint received 2022-05-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

I believe that it was a mistake to close my PayPal account. I am using my Paypal account for my online business XXXX XXXX XXXX since XX/XX/2022 My paypal account : XXXX has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and Godbless.
Consumer complaint received 2020-05-07
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Bliksum, LLC (CA)

I made a my XXXX payment to LoanMe on XX/XX/XXXX. The due date was XX/XX/XXXX. I have a confirmation of payment received. LoanMe has contacted me every day since XX/XX/XXXX multiple times a day to collect the payment. I have explained to multiple employees that the payment was already made and confirmed and I still continue to receive calls from them trying to collect the payment.
Consumer complaint received 2022-09-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (OH)

XXXX XXXX  sold my mortgage to PNC Bank. The first thing PNC Bank did was raise my rates and they are unable to adequately explain why my rates are going up. They can not demonstrate anything about the mortgage prior to their acquisition of the mortgage despite some obvious problems with my escrow account. They can not explain why payments were made to XXXX XXXX that appear to be more than the amount I owe in property taxes nor they can explain where that money went. They also can not explain why my homeowners insurance collection is not accurate and why they are projecting an increase in my policy rates and appear to be charging me for increased homeowners insurance rates despite the fact that my insurance company has not yet reviewed my file for its annual rate analysis. 

PNC screwed up and lost my first mortgage check that I sent which cost me a stop payment with my current bank in addition to hours spent on the phone trying to unravel this. 

I do want to do business with PNC Bank. I never asked my mortgage to be sold to PNC Bank. I realize they are allowed to do this but they are not allowed to just raise my mortgage payments and tell me I owe them more money without demonstrating to me why I would owe them more money. This is a wrong. This is beyond wrong that I am forced to do business with a bank that I do not want to do do business with but it is flat out illegal for them to raise my mortgage payments upon acquisition of my mortgage.
Consumer complaint received 2023-06-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (GA)

I've had ongoing issues with Wells Fargo and mismanagement of my Checking and Retirement Savings. This complaint is focused on only one part of my XXXX XXXX XXXX. On XXXX XXXX, I was made aware that my account Email had been hacked and passwords changed. I immediately called Wells Fargo and explained to them what had happened. I disabled and deactivated my Wells Fargo checking, my retirement savings, and my newly received Wells Fargo charge card with XXXX balance. I explained to Wells Fargo, several times, that due to the fact that my account Email had been hacked, that NO communication with Wells Fargo either to or from my account Email, as this would simply be communicating with the Identity thief or thieves. I was given a secret code # by Wells Fargo. When I was ready to reopen accounts, I would call back with my secret code numbers, new Email, and ID verification. 
-- XX/XX/XXXX : I called back to make sure that everything was in place, as requested, and it was verified. 
-- XXXX XXXX : I called back with secret code, new Email, and ID Verification to reopen my accounts, as I had been dealing with identity theft issues. Wells Fargo stated that my accounts were already opened. I said " No Way ''. And I proceeded to check my account balances. My accounts had been drained. And there was also {$1300.00} fraudulent charges on my newly received Wells Fargk charge card which had XXXX balance. 

I was then referred to Wells Fargo Claims dept. In my 62 years of life, I have never experienced a department as useless as Wells Fargo Claims. I was continually teasted as the identity thief. Copies of my ID 's, countless Emails, Phone Calls, and letters, got no results!! Wells Fargo basically refused to help me to get into my accounts, nor would they give me any info on my accounts. But they seemed to have let the identity thief have free access to my accounts.

I was then referred to the Executive Board. At some point, the monies lost during the fraudulent transactions had possibly been replaced, I assume, but then again Wells Fargo would tell me nothing, nor give me any access to my accounts. I went through two Specialists with the Executive Board, and several extensions past their communicated deadlines. 
XXXX XXXX and XXXX were the two Executive Office Case Specialists involved in my case. On XX/XX/XXXX, Wells Fargo finally answered a couple of questions on my account. Again, at some point it looks as if the monies were possibly replenished., but I was told nothing. The monies were possibly replaced in an account in my name which I had no access to, and was under the control of the identity thieves. Apparently, the identity thieves began removing these monies also.
Consumer complaint received 2023-01-19
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-11-20
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: AMERICAN EXPRESS COMPANY (RI)

I have a Bluebird by AMEX account I use for my kids. Someone apparently hacked my login, moved all my kids funds to my main account and transferred {$10.00} to a XXXX party. They then tried to drain the account completely. This was all done as a XXXX transfer which Ive never used and have no idea what it is. Luckily, their fraud dept caught the larger transfer and stopped it and alerted me. I changed all login and security info, while on the phone with them, and opened a dispute for the only actual loss of {$10.00}. THEY are the ones who alerted me about the fraud, but have now denied my claim for the {$10.00} twice as it was an authorized transfer. It was not. If their fraud dept would look at at the account, it would be quite obvious. But after XXXX hours in the phone, no resolution or competency has been reached.