davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (PA)

I tried to get a loan from lendistry due to financial burdens due to covid and am in a desperate situation to receive money due to lack of funds. When trying to receive the money, I input my routing and account number for my bank at PNC. During the application process for receiving this loan, I could not continue due to a message stating verbatim " PNC has made a change that prevents you from being able to link your accounts. '' This is very frustrating, because I may not be able to receive the help I need due to a logistical error with PNC bank. Also, PNC bank has continually created hurdles from multiple ( literally over 10 ) attempts to receive assistance. They should be held accountable for their poor customer service and immoral, neglectful actions which have had a severe impact on my ability to provide for my family.
Consumer complaint received 2020-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: ONLINE Information Services, Inc. (FL)

Local utility company XXXX XXXX XXXX entered incorrect address and banking information when I opened my account. I paid the account when I closed it, but the phone agent did not get the account information correct. Months later, the utility sent the account to collections. I never received any correspondence to pay from the utility. I never received any correspondence from the collection agency. I received notice from the XXXX XXXX XXXX XXXX credit monitoring service. The collection agency put three items on the credit report. Two were for the debt, plus one skip tracing item. I called the collection agency and paid the amount they wanted. I called the utility to inquire. They verified that they did not enter my address and banking information correctly. I ended up with three lines on my credit report plus had to pay several fees for an error that was on the part of the utility company.
Consumer complaint received 2020-07-01
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$14000.00}, {$24000.00}, {$9600.00}, {$24000.00}, {$11000.00}, {$14000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX XXXX   XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$24000.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9600.00} -This is not my account. 


-- CLOSED ACCOUNT 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$24000.00} -This is not my account. 


-- STUDENT ACCOUNTS 5. DEPT OF EDUCATION/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

6. DEPT OF EDUCATION/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 


-- COLLECTION ACCOUNT 7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-07-01
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$14000.00}, {$24000.00}, {$9600.00}, {$24000.00}, {$11000.00}, {$14000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX XXXX   XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$24000.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9600.00} -This is not my account. 


-- CLOSED ACCOUNT 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$24000.00} -This is not my account. 


-- STUDENT ACCOUNTS 5. DEPT OF EDUCATION/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

6. DEPT OF EDUCATION/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 


-- COLLECTION ACCOUNT 7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2021-06-05
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XX/XX/2021, I sent a letter regarding the negative information on my credit report. It is now XX/XX/2021. I have not gotten any results as of today. Please, I need help. The negative information is holding my life up. I believe my information could have been in the XXXX  and Equifax data breach. I'm trying my best to get the problem fix but the bureau are not responding. This plus Covid has taken a toll on my life, and it is very stressful. I feel as they are taken advantage of me. Can you please delete the negative information. The negative information is not fair nor accurate.
Consumer complaint received 2021-10-29
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: ENCORE CAPITAL GROUP INC. (CA)

I have submitted numerous disputes to to the bureau 's to have this fraudulent collections account removed from my credit report because I have not contracted with them They/Midland credit management do not have my signature verbal or written
Consumer complaint received 2020-08-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MI)

I inherited my parents home after the death of my father and step-mother. My goal is to keep my home and avoid foreclosure. The mortgage on the home is in my father 's name, and is serviced by SPS, owned by XXXX XXXX. The property has transferred into my name with a Quit Deed, and I have a letter of authority & success in interest from the estate. I would like to assume the loan, and receive a modification to help the loan remain affordable, as I have a had a loss of income. 

The current servicer, SPS, has denied my request for a modification and assumption of the mortgage on my home mortgage. I have applied multiple times for a modification. I most recently applied starting in XXXX. Between XXXX and XX/XX/XXXX, SPS requested duplicate documents several times, and each time I submitted the documents requested. 

On XX/XX/XXXX, SPS sent me a letter that they were reviewing my complete modification application. On XX/XX/XXXX, I received a letter stating that my modification application had been denied due to " investor/guarantor Not Participating. '' This is the second time I have received a denial with the same reason given. The first denial was received XX/XX/XXXX. During the time between XX/XX/XXXX and XX/XX/XXXX I was being asked to repeatedly submit documents and applications.
Consumer complaint received 2020-10-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (AL)

Beginning inXX/XX/XXXXI moved into XXXX XXXX XXXX, XXXX XXXX, Al XXXX. It was a home that I rented along with XXXX XXXX. My daughter was also there. We rented this home through XXXX  XXXX XXXX. While I was there the rent was paid and all utilities including rental insurance was paid, nothing was behind. On XX/XX/XXXX XXXX XXXX XXXX XXXX me by XXXX and he also snatched the phone out of my little girls hands who had dialed 911. He hung up and the phone from her. He continued to XXXX XXXX me. After the cops were called and I spoke with the magistrate of the city of XXXX XXXX and made out a report. I was informed by police that XXXX XXXX wanted to remain in the house. XXXX XXXX XXXX also called and informed me that he wanted to remain at the residence. So I moved all of me and my daughters things out and I had to find another place to reside. Because of the XXXX he subjected us to that night, we could no longer stay there because it was XXXX. He couldve XXXX XXXX. No one at XXXX XXXX XXXX  cared. And they also let him reside at the house when he was suppose to provide proof of income to get my name off of lease, they also let him reside there and he did not have any rental insurance, and having insurance was a stipulation of the lease. Also providing his proof of income so my name could be removed was a condition of the lease and he failed to do both. I have proof because I have emails, voice messages, and recorded phone calls from XXXX XXXX XXXX. He stayed at the residence from XX/XX/XXXX til XX/XX/XXXX. I have proof of this. The debt owed is his because he resided there and he made was violent and assaulted me. I have talked to several people at XXXX XXXX XXXX and also Hunter Warfield. They showed no concerned. XXXX XXXX XXXX  didnt make him do what he was suppose so my name would could be removed from the lease. Im not going to pay for a place I was not staying. I had to pay for a safe place for me and my child. Hunter warfield needs and XXXX XXXX XXXX  need to hold the right person responsible which is XXXX XXXX. I have attached several emails after I left the residence that show only XXXX XXXX is responsible. He did not pay rent for where he stayed.
Consumer complaint received 2020-10-29
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: Experian Information Solutions Inc. (NY)

Date:XX/XX/XXXXAmount : {$3100.00} Action Taken : Requesting for the authentic contract and application on file that applied for the alleged debt. 


Date : XX/XX/2019 Amount : {$38000.00} Action Taken : Requesting for the authentic contract and application on file that applied for the alleged debt. 


Date : XX/XX/2019 Amount : {$180.00} Action Taken : Requesting for the authentic contract and application on file that applied for the alleged debt.
Consumer complaint received 2022-07-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Recently, I took a look at my credit report and I have shockingly found unverifiable, invalidated, inaccurate and questionable items that your agency did not make sure was reporting XXXX XXXX correct In accordance with the Fair Credit Reporting Act, everything has to be XXXX XXXX accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) These accounts are in violation of not reporting XXXX XXXX accurate. 

XXXX. XXXX XXXX, Account # : XXXX The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer I request to know all the steps your agency took to insure these items were XXXX XXXX accurate under 15 U.S.C. 1681i ( 7 ) Method of verification - Description of reinvestigation procedure.
Consumer complaint received 2021-07-04
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (SC)

XXXX XXXX, 2020 Mr. XXXX XXXX XXXX noticed that his XXXX  Credit Report contained fraudulent information from the Credit card section of the report. This illegal illegal activity occurred without Mr. XXXX giving his permission or authorization and allowed me to contact Law Enforcement ( FBI and Secret Service ) in the XXXX XXXX, Texas jurisdiction that is the physical address of USAA Federal Savings Bank. 
The company ( USAA ) is not cooperating with the police investigation and recently was notified that the Consumer Financial Protection Agency was also involved with Law Enforcement on multiple accounts opened in my name and I require a written response from the President and CEOi about what the immediate action to stop this harassment by criminals that do not care about my 30 year membership and exceptional credit rating that is being destroyed without my permission. 
I want answers to this distasteful message from USAA and investigation with Impunity that will give much needed closure and Cash Settlement!
Consumer complaint received 2020-10-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: REGIONS FINANCIAL CORPORATION (FL)

Opened account on XX/XX/2020. Attempted to close the account on XX/XX/2020, but Region 's Bank refused and said it's not possible to close the account. Reason for closure request was that XXXX 's Bank would not let me have access to my initial deposit which was made with guaranteed funds, used a credit card. When I attempted to use these funds on XX/XX/2020, unknown to me, my account was frozen due to " fraud '' and I was required to come into a branch location to " prove '' my identify. Explained that that's not an option during COVID-19 and that my health doesn't allow me. I told them that this wasn't fair and that my account would be charged fees for staying open and that they couldn't deny my request to close the account over the phone. This seemed like a scam to take my deposit, lock my account, make me come into the office, in an attempt to sell me more products that I don't need, and take my money, though the use of fees from my initial deposit. Hung up with the representative with my account still being open and subject to fees with no way to move my initial deposit out of my account due to how the account was coded for fraud. Representative said that they could attempt to close the account over the phone if I called back the next day, after my guaranteed funds " posted, '' but he'd have to request to have the {$25.00} early closure fee waived. This is a scam to take customer 's money, not let them use it, lock their accounts, and not allow them to close their accounts and rake in the fees. Over the course of about 2 hours, I was bounced back and forth to different " personal bankers, '' never read any regulatory disclosures, hung up on and dropped back into the main phone tree without notice in an attempt to not solve my issue.
Consumer complaint received 2020-07-09
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (NV)

My XXXX XXXX XXXX account had a total of 4 promotional purchases and 1 revolving purchase as follows : 1. {$13.00} revolving, due to the adjustment in the application of a previous payment which I was not made aware of at the time. 
2. {$4400.00} promotional balance due XX/XX/XXXX 3. {$390.00} promotional balance due XX/XX/XXXX 4. {$720.00} promotional balance due XX/XX/XXXX 5. {$17.00} promotional balance due XX/XX/XXXX The due date on my account was XX/XX/2020. On XX/XX/XXXX I paid the promotional balance of {$4400.00} in full to avoid accrued interest, this payment was applied correctly. I then called to ask about the minimum amount due on the remaining promotion balances ( this information is not listed on the monthly statement ) so I could make an additional payment to cover those, as well as the full revolving balance. I was told those amounts were {$13.00} ( # 3 ), {$26.00} ( # 4 ), and {$5.00} ( # 5 ), for a total of {$44.00}. I made this inquiry because I was charged a {$2.00} minimum finance charge the prior month because of how a previous payment was applied. 

On XX/XX/XXXX I made an additional payment of {$65.00} to cover the {$44.00} minimum due as well as the revolving balance of {$13.00} with a few dollars to spare to insure that I would have no balance remaining that would be subject to finance charges. I spoke with the credit card company twice on XX/XX/XXXX when I made the payment requesting assurances that it would be applied to the balances as I detailed above. I was told that could not be verified until my next statement was generated on XX/XX/XXXX and if the payment was not applied correctly that I could call and it would be adjusted. 

On the XX/XX/XXXX statement only {$5.00} was applied to the revolving balance resulting in another " minimum finance charge '' of {$2.00} which equates to an APR of 180 %. I was willing to let it go once but not 2 months in a row, As soon as I received the statement I called yet again on XX/XX/XXXX and spoke to 3 escalating levels of " supervisor ''. All were happy to adjust my payment as I had originally intended and requested but adamantly refused to reverse the finance charge, even though it would not have been generated if the payment was applied as I requested on XX/XX/XXXX. 

I realize this is only {$2.00} but if standard operating procedure has no mechanism for consumers to direct how extra payments will be applied until AFTER finance charges are accrued that needs to be remedied. I'm sure this is not an isolated incident and other unsuspecting consumers are being charged as well.
Consumer complaint received 2021-05-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Southwest Business Corporation (NV)

This is reference to SWBC Loan # : XXXX. 
Property address : XXXX XXXX XXXX XXXX CO XXXX Please note that I had recently sold my home XX/XX/21 and need to address this retrospectively since I was unable to resolve this after numerous attempts to contact both XXXX and the USDA who handled the payback of the forbearance prior to my house closing. 

This is in regards to the payback of a 6 month forbearance that I had with the swbc. 
When it came time for the proceeds of my home sale to pay off my mortgage balance and forbearance there was a discrepancy in the amount that they had me pay back versus the actual amount of the forbearance. 
The forbearance period was for 6 months with no penalties or interest as per the documentation I was provided. 
However, the mortgage payments were XXXX per month for 6 months. This would make the amount owed XXXX not the XXXX I was ordered to pay the to U.S. Department of Housing and Urban Developement. 
My calculations show that there is a discrepancy of approximately one month of mortgage payment that I am owed as a refund for overpayment due to them not giving me the opportunity to resolve this beforehand. 

I had after spending numerous hours finally reached the USDA and spoke to someone on an escalated call in a desperate attempt at resolving this and they informed me that I had to consult with SWBC mortgage in regards to this issue. I then if course attempted to no avail contacting swbc and have also spent numerous hours both being on hold and then being transferred to incorrect customer service agents on their primary customer service number. This is in addition to of course calling the assigned forbearance executive resolution number at XXXX. On this is number they do not answer and ask the consumer to leave a message assuring they would get back to you within 48 hours. Ive been leaving multiple messages over the course of the past 2 weeks week and have yet to receive a response which is what has prompted me to finally make this complaint.
Consumer complaint received 2020-07-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I had a checking account with BOFA and I lost my debit card and someone had done fraudulent transactions by depositing and withdrawing money from card. I closed the account and the bank now says Im banned from having an account with BOFA and any other financial institutions for 5 years which is not right because I wasnt the one doing those transactions.
Consumer complaint received 2020-07-10
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. (CA)

I contacted XXXX XXXX to explain to them that I have never opened an account with them. And as a matter of fact I was XXXX when the account was fraudulently opened. I told them this and asked for them to remove their reporting from all 3 credit bureaus that they are reporting to. It has been over 30 days and they have yet to remove their fraudulent charge from my report. They are affecting my ability to get a good finance rate on a car loan. I am requesting they remove this fraudulent charge immediately. Thank you.
Consumer complaint received 2021-07-02
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX XXXX XXXX I was in the process of moving and I pulled my credit report and noticed that there are addresses on my report that I never lived at. I used to live in XXXX OH and now I am in XXXX XXXX XXXX XXXX XXXX OH XXXX. I would I like to have a full investigation. 
I read that the FCRA 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. I am not too sure how this all works but I am under a lot of stress I am also requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. The following accounts in dispute are listed below : Accounts : XXXX # XXXX, XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX Please Delete Address that does not belong to me : XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX Please Delete Telephone numbers that does not belong to me : ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX