davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CT)

To whom it may concern, The reason for this letter is to dispute an unauthorized inquiry on my credit report. I retrieved a copy of my credit report and discovered an inquiry that I have no knowledge of. Because I did not apply for a credit from XXXX XXXX, XXXX on XXXX XXXX and XX/XX/202. I had a credit freeze on my account. I have also reached out asking them they remove the inquiry from my credit profile. Please launch an investigation into XXXX XXXX, XXXX inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. If you find that the inquiry is invalid, I'm requesting that it be removed from my credit report as soon as possible. But if XXXX XXXX, XXXX is able to prove that the inquiry is indeed valid, please provide written proof and description of how the investigation was conducted. Thanks in advance for your prompt attention to this matter. Sincerely XXXX XXXX
Consumer complaint received 2015-04-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (CT)

I have a debt on my credit report with XXXX, which is past due over 180 days. This is the ONLY negative on my credit report. the item has been disputed on complaint # XXXX as I filed chapter XXXX bankruptcy in 2003 and all debts were included in that. My additional problem is this same debt was under the name of XXXX last year and removed, XXXX the year before and removed, XXXX the year before and removed and so on. When this debt is deemed uncollectible by the debt collector and this info is disseminated back to the loan holder, it is then sold to someone else for collection the next year. This has hurt my credit terribly cost me money in points and higher interest rates, and wasted my time and other, plus being a fraudulent practice on the part of the creditor, the reporting agencies and the collectors.
Consumer complaint received 2016-10-28
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Hart West Financial, Inc (CO)

I locked a 30 year mortgage at 3.375 % on XX/XX/2016 with a 45 day lock and paid for the appraisal and credit report on XX/XX/XXXX for {$580.00}. The appraisal came in low, $ XXXX lower than one that was done 6 weeks prior so I was hesitant to move forward as it would have involved PMI at the current amount I applied for. This took place on XX/XX/XXXX ... ..The staff at Hart West advised that I could submit comps to challenge the valuation and I did that the same day and next and sent the appraisal that had been done 6 weeks prior with the valuation of {$500000.00}. I assumed this was all that was needed as I did not hear back from the lender and had submitted the other additional information they needed clarification on. I finally heard back from Hart West on XX/XX/XXXX and confirmed that I would move forward with the lower valuation and bring more money to closing. I was the told my lock would expire on XX/XX/XXXX and the company said it would cost an additional {$990.00} to extend the lock. I asked them to honor the original terms as they had plenty of time to clarify things and close my loan within the 45 day lock and they have refused to do so.
Consumer complaint received 2019-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

I have a public record & XX/XX/XXXX entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX and Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Consumer complaint received 2015-07-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (IL)

I PERSONALLY TRIED TO FIX THIS PROBLEM BEFORE I CONTACT YOU I CONTACT EQUIFAX ON REPEATEDLY OCASIONS BUT THEY IGNORE THE LAWS AND IGNORE MY RIGHTS AS A CONSUMER, THEREFORE I AM ASKING YOU TO INTERVENE FOR JUSTICE FOR ME AND ALL OTHERS IN THE SAME SITUATION AS US WITH THIS COMPANY EQUIFAX THIS ANSWER ON XXXX XXXX # XXXX IS LIKE ALL OF THE OTHER ANSWERS WE GET FROM THIS AGENCY EQUIFAX INSTEAD OF DEALING WITH THE ISSUES LIKE THEY SHOULD HAVE SINCE XX/XX/XXXX HAS THE COMSUMER LAWS MANDATE FOR A CREDIT REPORTING AGENCY, NO THEY KEEP REPORTING SOMETHING THEY SHOULD KNOW AND BE SUPPOSED TO KNOW. THE IS MORE THANT 7 YEARS OLD, THEIR IMMEDIATE RESPONSE IS TO DENY AND BLAME THE CHAPTER XXXX FEDERAL BANKRUPTCY COURT CASE # XXXX A CASE FROM XX/XX/XXXX THAT BY LAW ONLY LAST FOR SEVEN YEARS AND OTHER CREDIT BUREAUS ALREADY BEEN CLEARED BUT THIS BUREAU EQUIFAX IS PLAYING IGNORANT AND UNAWARE THAT IS HAS BEEN REPORTED FOR SEVEN YEARS LET 'S SEE WHAT THEY TELL AT THE END THIS TIME YOU WILL WITNESS MY ACTIONS AND THEIR ACTIONS, IN 20 DAYS FROM TODAY IF THEY DO N'T CLEAN MY CREDIT REPORT I WILL START A LAW SUIT AGAINST THEM FOR {$XXXX} DOLLARS THIS TIME YOU ARE TO BE MY WITNESSES I HOPE THIS TIME IS TRUE AND WE CAN LEAVE THIS CREDIT REPORTING NIGHTMARE BEHIND THAT IS COSTING ME AND MY WIFE A LOT OF MONEY AND SHAME. 
SEE ATACH PROOF CONFIRMATION DOCUMENTS FROM EQUIFAX # XXXX # XXXXCHAPTER XXXX FEDERAL BANKRUPTCY COURT CASE # XXXX A CASE FROM XX/XX/XXXX TO XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (VA)

I used citi bank online pay to make a payment to my pnc bank on XX/XX/20. I used my XXXX checking account as the merchant. As of XX/XX/20, XXXX has not received the funds and citi bank is saying the transaction has been cleared and the money should have been received by XXXX. I provided XXXX the reference # and they still have no record of it and there is no evidence of this money in my account. 
Citi bank is refusing to do dispute and I am not a happy customer. 
Thx
Consumer complaint received 2020-04-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PMAB,LLC (SC)

On XX/XX/2020, I reviewed my credit report because I am preparing to purchase a home. Upon review, I have a collection account from PMAB LLC. I have never received any notification from PMAB LLC notifying me of a debt. Nor did I ever receive any written notification from PMAB LLC regarding my right to dispute debt within 30 days or given any documentation proving that I have any obligation to pay any debt. Further, I have never had any contract or obligation to pay PMAB LLC. I don't owe any money to PMAB LLC, nor do I owe money to any third party PMAB LLC claims to represent. PMAB LLC has damaged my credit and violated my rights under FCRA and FDCPA. This account should be removed immediately, and if it is not, I will plan to sue to the fullest extent the law allows. PMAB LLC 's illegal and unwarranted actions have damaged my credit and my ability to obtain credit.
Consumer complaint received 2019-02-12
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

On or about the XX/XX/XXXX2019 I sent in a letter asking Equifax for validation of a few inquiries on my report. I received an email on XX/XX/2019 I received an email from Equifax stating they received my letter and issued me a dispute # of XXXX. On XX/XX/ 2019 I received a email stating my dispute was complete. Upon review of my credit report I found the results of their investigation had nothing to do with the inquiries in the letter they received on the XX/XX/XXXX 2019.  I called to explain this to them but was given several vague security question. Unfortunately i was unable to get help from the representative. 

I also noticed that the investigation they conducted was a bankruptcy in which they obtained according to them validated information threw a third party. The third party in which they validated the information with has an active suppression on my file dated XX/XX/XXXX 2019. this means that they were able to obtain information without my consent in writing and while my file was suppressed with the company verifying it.
Consumer complaint received 2022-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (OH)

Tried to use my debit card online with two different vendors ( XXXX and XXXX ( XXXX ) XXXX ). Both times, PNC/XXXX  required additional authorization - a text message to be sent to two phone numbers I'm no longer associated with. My husband 's debit card was the same also with XXXX ( with 2 numbers that he's no longer associated with ). My phone numbers on my PNC account are correct, but somehow the feed to XXXX 's authentication is not working. I called and was on the phone for over an hour with PNC and finally someone at PNC contacted their IT area, and said they are aware of this problem ( it's happened to others ), and their solution is to either call the vendor and pay over the phone or pay in person ( not use an online payment method ). The reality is, if I'm online and I want to pay for something, and I run into this situation again, I will pay using a different bank 's credit card -- or switch banks totally. I will not pay over the phone or in person. PNC is aware of this issue and needs to fix the feed to XXXX.
Consumer complaint received 2022-06-14
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. (GA)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX  XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX/XXXX  XXXX  XX/XX/XXXX -XXXX/XXXX XX/XX/XXXX -XXXX XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX  XXXX -XXXX XXXX XXXX XXXX -XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE (NJ)

Hello, I am actively investigating unauthorized access of my credit report and I have observed unorganized inquiries and or attempts of credit with my information. I have already contacted the individual credit companies and initiated disputes to have each of these inquiries removed from my report. 

Attached are the inquires mentioned as well as active dispute cases PLEASE REMOVE THE FOLLOWING UNAUTHORIZED INQUIRIES FROM MY CREDIT REPORT : XXXX  XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX  XX/XX/2021
Consumer complaint received 2019-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I have a public record & XXXX  XXXX entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX and Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Consumer complaint received 2016-12-07
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BBVA FINANCIAL CORPORATION (TX)

Regarding dispute # XXXX I will continue filing complaints until the institution responds as to why this claim is being denied pursuant to the Electronic Funds Transfer Act ( issue stated below ) : " Liability for Unauthorized use of ATM and Debit Cards If you have lost your ATM or debit card, or if it has been stolen, it is very important to notify your bank as soon as possible. By doing so, you will minimize the amount of liability you will have for any unauthorized use of these cards. In the case of ATM and debit cards, the Electronic Fund Transfer Act sets forth the rules. Under the EFTA, your liability for lost or stolen ATM or debit cards is : {$0.00} if you are able to report your lost or stolen ATM or debit card immediately and before the card has been used ; {$50.00} or less, depending upon the amount that has been used, if you report your card lost or stolen within two business days ; {$500.00} or less, depending upon the amount that has been used, if you do not report your card lost or stolen within two business days, but you do report it within 60 days after your bank statement is issued that shows the unauthorized use ; or Any amount if you fail to notify the bank of your lost or stolen card within 60 days after your bank statement is used that shows the unauthorized use. 
If your bank or financial institution claims that you are liable for unauthorized charges or withdrawals that exceed {$50.00}, it must be able to show that the additional loss ( past {$50.00} ) would not have occurred if you had given timely notice of the missing card. '' Conflicting prior responses regarding submission of additional requested documentation in the form of a police report are not relevant to the EFTA requirements. Institution stated claim would remain open upon submission of report. Report was submitted to institution. Institution then stated report was not submitted in time. Institution is now on record as denying claim based upon internal procedures and not EFTA legal reporting requirements.
Consumer complaint received 2022-07-14
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: WELLS FARGO & COMPANY (TX)

My car was repossessed after XXXX  days of late payment because of job losses. On XX/XX/2022, which is the same day it was picked up so I called Well Fargo and paid the balance and the other charges that apply on the XXXX XXXX XX/XX/2022 now they say I have to make an appointment to get the car from the storage. They told me had to go online to make the appointment, I did that too. They tell me at XXXX am on the XXXX XXXX XXXXXXXX that I can come at it. now they change the time saying from XXXX am to XXXX now they tell them they have to process the car. so I'm asking them to pay me for the time they hold it. It does not take two or three days to get a car out of storage. I would like to file a sue. I paid XXXX dollars and still don't have my car. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Consumer complaint received 2015-12-23
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: MORGAN STANLEY & CO. LLC (VA)

My wife and I have XXXX IRAs with Morgan Stanley. Since our balances were below a certain amount ( XXXX have a little less that {$2900.00}, but over {$2500.00} ) they have been selling off shares every year to pay a " past due acct fee '' totaling {$50.00} to {$150.00} per year ( the statements and wording is hard to understand ) Last year was the first time I realized what they were doing. So of course the accounts have never gained much in value, as the fees wo n't allow it. 

My wife 's account ends is XXXX So the company that should be helping me accumulate wealth is doing just the opposite to me and my wife. 

What is surprising is that I 've been with them since around 1996 and have a third account that has had values between {$25000.00} to {$50000.00} and no advisor has ever suggested that I do something different to avoid these fees.
Consumer complaint received 2019-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax, XXXX and XXXX  verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Consumer complaint received 2021-10-15
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: GreenSky, LLC (CO)

In XXXX XXXX, I called XXXX XXXX, to clean my AC unit and furnace. XXXX XXXX was having a special price to complete both cleanings for {$29.00}. The XXXX XXXX service person, was in the process of cleaning the furnace and brought to my attention the condition of the furnace. The circuit board was burnt around the holes where the diodes and resistors are soldered in. The previous owner installed the furnace directly on the floor, instead of platform, which is the proper way to place a furnace. There were numerous and dangerous issues with the furnace. The service person, advised me that it would be best to replace the furnace. After seeing the pictures of the furnace, I was in agreement. The XXXX XXXX service person, then called the office and a manager was instructed to come to my house to sign a loan agreement. I signed the agreement, thinking that there wasn't an option or an alternative for me, as I didn't have the funds to buy a new furnace and have it installed. Once I began making payments, I noticed the principle balance never decreased. After going over the details of the loan, I also noticed that the majority of the monthly payment, is interest charges on the loan. To date, the balance still remains at above {$10000.00}. I called Greensky and asked them to have the furnace removed and I would find a new one on my own and have it installed. Greensky advised me to call XXXX XXXX, to see if they would be willing to remove the furnace, they refused. Now I am stuck in this payment that is quickly going nowhere. The principle balance and the interest remains the same, after making payments for almost a year now, the same figure remains on the invoice, it does not go down.