davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-17
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 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days 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 the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-08-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (OH)

I filed a dispute on XX/XX/2020 with PNC Bank for an unauthorized charge of {$4000.00}. I was told that I would receive a provisional credit within 10 days to my account or they would complete the investigation within 10 days. I submitted everything immediately to PNC and repeatedly called daily expressing that I had not received the credit and I submitted all documents requested and that I was in a desperate state since this caused my account to go into the negative. PNC refused to assist me during the investigation. Finally on XX/XX/2020 ( 90 days after I filed the dispute ) PNC completed their investigation and found in my favor refunding the money that was stolen from my account. However, due to the long investigation and no issue of the provisional credit I was evicted from my home, my car was repod, my utilities turned off, had to give my dog away due to not being able to afford to care for her, all my bills were late and all my credit cards were closed due to nonpayment. My son was not able to graduate high school due to not being able to complete online classes. My daughter had to go live with her dad due to having no food and no home and no funds to hire an attorney. I literally lost everything due to this. I have not been able to recover and have been homeless with no car since XX/XX/2020. PNC then held all my deposits ( including direct deposits ) and turned off my online banking access and demanded that I come into a branch and withdrawal all my funds and close my account because I started to complain to the local media. This bank has ruined my life causing me to fall into a XXXX that I can not even afford to seek treatment for.
Consumer complaint received 2021-08-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: N26 Inc. (GA)

XXXX in my account Ive bank with this company for three years last year they froze my card they only offer chat support they have been giving me misleading info in regards to my account Ive lost my daughter and my home I need my money its been over a year and I still havent received my money
Consumer complaint received 2021-08-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: APEX Asset Management, LLC (NJ)

Company Apex Asset Management continuously sends mail to my address stating that I went to the hospital on XX/XX/20. I did not go to the hospital on that day. I did not receive anything from a hospital or place stating I went there. It must be identity theft and fraudulent activity against my name. I have health insurance and I would have used my insurance if I was there on that day. This information was sold to this debt collection agency in hopes I pay them for something that is not mine. I tried speaking to representatives but they keep telling me its my account and States that it was me who was there. I was not there on that day. I would like them to stop harassing me through mail, and not proceed any further without valid information. The hospital sold them my personal information and account which is not mine.
Consumer complaint received 2021-08-16
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: First Colony Mortgage Corp. (UT)

On XX/XX/2021 I received an alert through XXXX that a hard copy Mortgage inquiry from First Colony Mortgage. I first called XXXX XXXX that confirmed the inquires, they said it was showing on all 3 of my Credit Reports. I then called First Colony Mortgage ( XXXX ) and was told they didn't show any inquiry pulled. I tried unsuccessfully to put a freeze on my XXXX & XXXX accounts. I called The Consumer Financial Protection Bureau & they told me to contact you to place a complaint against First Colony Mortgage to get this hard inquiry that I didn't initiate removed!
Consumer complaint received 2021-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (CA)

Westlake financial is still reporting a balance on a settled account to XXXX. 
The account was settled nearly three months ago and should have been updated by now. 
This is making it difficult to secure a loan and hurting my credit scores.
Consumer complaint received 2021-08-16
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: AES/PHEAA (CO)

When working with a counselor at XXXX XXXX XXXX in 2003, they directed me to take out private loans as the best option. This was not the best option for many reasons, also my loans would have been forgiven through XXXX XXXX XXXX XXXX if they were federal because of the fraudulent activity found with XXXX XXXX practices. American Education Services does not acknowledge these fraudulent activities and unwilling to make any changes to my loan amount.
Consumer complaint received 2021-08-16
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. (IL)

I received a letter from Transunion stating that my letter requesting verification of erroneous items on my report as being classified as " frivolous '' or " irrelevant ''. I assure you that in no way do I consider a matter of such importance to me as frivolous nor irrelevant. In fact if they did not honor my original request to verify the items contained in my previous letter, mailed via certified mail. 
I have included my original disputes for your convenience below : The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged items, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible : 1. Mistaken Identity XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.

2. Mistaken Identity XXXX Account Number : XXXX Please remove this account from my credit report immediately!
Consumer complaint received 2021-08-17
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LoanCare, LLC (CA)

My mortgage loan was transferred/sold from LoanCare to XXXX XXXX on XX/XX/2021. I was attempting to pay the loan off completely in XXXX of 2021 to avoid having to deal with the new loan servicer. 

XXXX XXXX is showing an unpaid principal balance of {$55.00}, XXXX. I have sent them multiple documents as proof of an unpaid balance of {$0.00}. 

I have provided all of these documents to XXXX XXXX. 

Please find attached : XXXX and XXXX bank Statements showing payments to LoanCare to pay off the loan. ( Attachments 1 and 2 ) A Payoff Statement from LoanCare dated XXXX in the amount of {$200.00} and an unpaid principal balance of {$0.00}. ( Attachment 3 ) A XXXX Monthly Statement from LoanCare showing large payments in XXXX and an unpaid loan balance of {$0.00}. ( Attachment # 4 ) A XXXX Monthly XXXX XXXX dated XX/XX/2021 ) from XXXX XXXX indicating an unpaid principal balance of {$55.00}, XXXX. ( Attachment # 5 ) Log of some of the many calls/emails to XXXX XXXX to resolve this. 
XX/XX/XXXX, XXXX-Received a digital payoff statement from XXXX XXXX ( Attachment # 7 ) and a Digital XXXX Monthly Statement ( Attachment # 6 ) XX/XX/XXXX, XXXX-Called and left a message and sent an email to XXXX XXXX about the status of my balance. 

XX/XX/XXXX, XXXX-Emailed XXXX XXXX and the Research Incoming address for XXXX XXXX a copy of the payoff Statement and the XXXX Monthly statement from LoanCare. 

XX/XX/XXXX, XXXX-Called and left a message for XXXX inquiring about the code change. XXXX called back and said the code change had nothing to do with the change to the unpaid balance amount. 

XX/XX/XXXX, XXXX-According to a soft pull of my credit report, I do not have a debt to anyone for a mortgage. It appears to be paid off. 
. 
XX/XX/XXXX, XXXX-Spoke to XXXX. She requested additional copies of the bank statements in PDF format. I emailed them to her. She also asked me to reach out to XXXX XXXX to inquire about the code being changed XX/XX/XXXX, XXXX-Made a third monthly payment for a loan that I was trying to payoff XX/XX/XXXX, XXXX-Finally got connected to XXXX XXXX, Executive Resolutions Team and sent her pictures of bank statements showing off paying down the loan in XXXX and XXXX. 

XXXX XXXX-Loan Balance changed from {$0.00} to $ XXXX ( Code was changed? XXXX XXXX ) XXXX XXXX Made 2 monthly payments for a loan with a {$0.00} balance to avoid late fees after getting a text from a debt collector XX/XX/XXXX, XXXX XXXX ( needed to change a code-thought they could pay off the balance from escrow ) XX/XX/XXXX, XXXX-Requested a payoff statement via email ( talked to different 2 reps ) one was never sent XXXX XXXX-Called XXXX XXXX multiple times inquiring about the status/balance of the transfer I am not really sure who is more to blame, LoanCare for not applying the payoff amount to the payoff balance ( they applied it to the escrow account ) or XXXX XXXX for not resolving the unpaid principal balance with all of the documentation that I sent them.
Consumer complaint received 2021-08-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (IL)

*Please note : I have all supporting documents but they exceed the allowed file size, please advise an alternative method to submit. 

I am a victim of Identity theft/fraud. 
I have notified this collection company/original creditor several times that the account does not belong to me, I have not in any way received goods or services from this company and I have provided my police reports, my FTC id theft AFFIDAVIT signed and notarized along with my sworn statement regarding the fraudulent account. 
documents submitted to RESURGENT CAPITAL RESOURCES, XXXX XXXX AND XXXX  XX/XX/2021, includes affidavit, police report, sworn statement w/ signed signature receipt This company is in violation of the FCRA. RESURGENT CAPITAL SERVICES, XXXX, XXXX  AND XXXX  continue to report this fraudulent account on my credit report although I have provided these documents with no response from the company or any representatives. 

This account must be removed immediately, as it is in clear violation of the FCRA.
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. (FL)

In accordance with the Fair Credit Reporting Act 1XXXX ACCT XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX -- -- -- XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX AND XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$100.00} - - - XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX & XXXX XXXX {$190.00} - - - XXXX XXXX & XXXX XXXX XXXX {$7300.00} - - XXXX XXXX XXXX XXXX {$780.00} - - - XXXX  XXXX XXXX XXXX {$850.00} XXXX XXXXXXXX {$260.00} 15USC 1681 SECTION 602 A. States I have the right to privacy 15USC 1681 SECTION 604A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2021-08-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I filed a previous complaint with the CFPB - CFPB Case Number XXXX. In response to this complaint, XXXX XXXX from the Office of the Chairman at Citizens Bank informed me that " as of XX/XX/2021, your checking account ending in XXXX has been closed in a manner which it can not be re-opened. '' However, shortly thereafter, the checking account was re-opened, and Citizens Bank charged me approximately {$140.00} in overdraft fees. They also placed my account with their collections department. As the account was closed and I could no longer access it through my online banking, I did not know it was overdrawn and was obviously not aware it was assessing charges. I spoke with Citizens Bank about this issue, and I was told a request was made for this money to be refunded. Several weeks later and the money was not refunded. I also contacted XXXX XXXX, the representative that handled my other case, several times over the last 3 weeks, leaving a voicemail twice. Despite my attempts to contact XXXX, and her voicemail stating that she returns calls within 24-48 hours, she never called me back. I want Citizens Bank to do what they originally agreed, and refund my money.
Consumer complaint received 2022-06-24
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

The bank advertised a {$600.00} deal. {$300.00} for opening a checking account and arranging direct deposit, and, an additional {$300.00} to put {$200.00} every month for 3 months. After I opened the account and put in the {$200.00} for the months of XXXX XXXX and XXXX. During that time, I called to make sure I would be getting my {$600.00}. They checked and said it would come at the end of XXXX. Today I received the {$300.00} but when I called, they explained that the three consecutive months had to be XXXX, XXXX, and XXXX. Apparently, the customer service I had called failed to mention that my deposits were in the wrong months and the card I read the rules from had writing so tiny, that I could not read it correctly. I am XXXX XXXX XXXX and I was sure I had followed their directions to the letter. I feel ripped off and that the bank did that one purpose, knowing no one would follow those directions.
Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Sent letters to all three Credit bureaus Trans Union, XXXX, and XXXX. 
The accounts came back as verified. These are not my accounts.
Consumer complaint received 2021-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

To Whom This May Concern, I contacted Transunion, XXXX, and XXXX  months ago as well as again on XX/XX/XXXX. In my complaint, I explicitly listed under the Fair Credit Reporting Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the PHYSICAL verification of the original signed consumer contract with MY signature of the accounts listed below.

The accounts listed were : 1. ) XXXX XXXX Credit Card 2. ) XXXX XXXX Credit Card The response I received back was, " We received your complaint about the items in your credit report, and apologize for any difficulty you may have experienced. We are currently reviewing your complaint along with the information you previously submitted regarding this issue. We will follow up with you within sixty 60 days from the date you submitted your request. '' This is unlawful as dictated by the Fair Credit Reporting act. CRA 's only have 30 days to validate and are required to remove the information listed on the report unless it has been lawfully validated. Through the PHYSICAL verification of the original signed consumer contract with MY signature of the account. 

So far, no signature has been produced, and my attorney is now pushing me to seek penal damages since my very first request was completely ignored. I'm livid that you would treat me as a consumer unfairly. I'm livid that you willfully violate the law every day when you " verify '' information. Despite the numerous whistle-blowers that have come forward to discuss how you " verify '' information, you continue your practice of unlawful verification. As my attorney has advised, there is no reason to open a dispute for debt validation. You are supposed to speak to the creditor directly to request my agreement and verify my signature. Opening the dispute process navigates your fraudulent means of verification, but your digital verification system does not satisfy requirements under Fair Credit Reporting Section 609 ( a ) ( 1 ) ( A ).

Furthermore, please note that I have opted out in writing to your forced arbitration terms. 

I have proof that you have violated my rights, as noted under FCRA. I'm giving one final chance to sort this matter out before turning it over to my attorney. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-08-16
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Radius Global Solutions LLC (MN)

During 9 months since XX/XX/XXXX, XXXX has been acting as a racketeer, demanding me to pay {$79.00} for alleged usage of telephone number XXXX, which I never ordered/bought and never used. It is important to note that since XX/XX/XXXX, dialing this number has always ended in the statement the number isnt valid. This means that XXXX created behind my back false account number XXXX XXXX and demands me to pay {$79.00}. During last 9 months XXXX has been sending me harassing letters and making harassing telephone calls from the numbers : XXXX and XXXX demanding me to pay for the service which XXXX did not provide me. 
In XX/XX/XXXX XXXX used third party Radius Global Solutions LLC which sent me a letter dated XX/XX/XXXX with threats to damage of my ideal credit history and demands to pay it {$79.00}. Its address : XXXX XXXX XXXX, # XXXX, XXXX, MN XXXX, XXXX. 
According to XXXX, on XX/XX/XXXX, Minnesotas Attorney General, XXXX XXXX, filed a Summons and Complaint with the Tenth Judicial District. Charges were filed against XXXX  for using complex and deceptive pricing practices under Minnesota Statutes ( the Uniform Deceptive Trade Practices Act and the Consumer Fraud Act. ) On XX/XX/XXXX, XXXX entered into a consent agreement with the Colorado Attorney General to settle a complaint filed in XXXX District Court pursuant to the Colorado Consumer Protection Act. The consent agreement stipulates that XXXX pay {$6.00} XXXX to the State of Colorado and another {$1.00} XXXX to current and former customers. 
It is important to emphasize that XXXX continues abusing consumers. 
XXXX must stop demanding me to pay {$79.00} ; stop using Radius Global Solutions LLC or any other third party for unlawful extorsion and damage of my credit history ; XXXX must send me a letter that it doesnt have any monetary claims to me.
Consumer complaint received 2021-08-16
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

I have made three attempts since XX/XX/2021 to have the flood insurance requirement reexamined. FEMA issued a XXXX on that date that would allow us to significantly reduced, even eleminate our {$1700.00} flood insurance premium. Each attempt I was told that it would take 3-5 business days to review and then I would be notified of the findings. The last attempt was on XX/XX/2021. I have still not received any communication. Without the lender 's permission, my insurance agent is not able to make adjustments to the policy.
Consumer complaint received 2022-06-24
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. (MI)

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 XXXX 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 2021-08-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (CA)

I received a letter from Convergent Outsourcing , Inc. offering to accept 25 % of a debt I supposedly owe as full payment. I do not owe this debt, nothing shows on my credit report and I think they just pulled my name out of a hat in the hopes I'd respond which I'm not doing but I am reporting them.