davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-11
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. (PA)

Hello Everyone, I am an international student at XXXX XXXX, XXXX. I want to bring up an incident that happened to me last month. On XXXX XX/XX/2022, a fraudulent money withdrawal transaction was done from my PNC Bank Account. The cash withdrawal slip made the withdrawal. At that time, I wasn't in XXXX ; I was in XXXX, Minnesota. There are no PNC Banks in Minnesota. The debit card was with me all the time when I was there. The day before the fraud, {$900.00} was deposited into my bank account. 

When I got the notification of the withdrawal, I immediately called customer support ; The representative told me that the signature on the withdrawal slip didn't match the signature associated with the account. And she also said that there is a policy in PNC that before taking out withdrawal, at least two ID verification proof is needed. The customer support asked me to wait for at least 1.5 months to 3 months. 

After returning to XXXX, I visited the bank for help ; the manager said that she couldn't do anything and asked me to wait for the period that customer support told me. 

Right now, I am only left with {$260.00} in my account, and my loan amount will not come to me until XX/XX/2022. 

I did a police complaint today, i.e., XXXX XX/XX/2022, about the same, and reported to the bank ; the manager again asked me to wait for the time frame and said we couldn't do anything for the complaint.

Also, she told me that the affidavit was sent to my mailbox, and I didn't respond, so they closed the incident. However, I have never received any testimony. The incident number for my case is XXXX. 

And today on XXXX XX/XX/2022, again a fraud transaction was done by someone to pay a discover card payment of {$1700.00}. I also reported a police complaint about the same today i.e. XXXX XX/XX/2022. I don't know what is happening with my account. 

I am a student and this is my loan amount. Right now the current balance of my account is- {$1400.00}. 

I am really very stressed by this. I am not able to concentrate on my studies also as almost {$2700.00} is not a small amount for me. I have to pay my bills and I have to get groceries to eat food. 

Please help me with the same.
Consumer complaint received 2022-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WI)

Hi, I have no awareness of these inquires on my credit reports & These accounts are fraud & even past the 7 yr limit. 
Inquires. 
XX/XX/XXXXXXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Inquiry date : XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXXXXXX XXXX XXXX Account Status PAYS_AS_AGREED ( & this acct. reports paid why is still on my report ) Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity XX/XX/XXXX Date of First Delinquency ( N/A ) {$9200.00} ( this act is fraud, inaccurate & passed the statue limitations 7yrs from the 1st delinquency. This fraud acct. been o my reports for 19 yrs 3months! I never received student loans, SHOW THE PROOF OF MY WET SIGNATURE & ORIGINAL CONTRACT, BY LAW IF THEY CANT PROVIDE PROOF IT SHOULD E REMOVED DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX Account Status PAYS_AS_AGREED ( & this acct. reports paid why is still on my report ) Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity Date of First Delinquency XX/XX/XXXX {$6800.00} ( this act is fraud, inaccurate info. & passed the statue limitations 7yrs from the 1st delinquency. ) More fraud accounts from Dept of education : XXXX XXXX, XXXX XXXX, xxxxxx XXXX, XXXX XXXX SHOW THE PROOF OF MY WET SIGNATURE & ORIGINAL CONTRACT, BY LAW IF THEY CANT PROVIDE PROOF, IT SHOULD E REMOVED US DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX
Consumer complaint received 2022-10-20
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (FL)

I have spoken to multiple people at different times regarding my credit reporting during my mortgage modification with US Bank. I was told this would not effect my credit negatively and I have been reported as 30 days and 60 days past due. When I attempted to fix the situation, I was told there was nothing they could do about it now as it was already done. During the process, I was told at least 3 times it would be removed if it effected my credit or there would be no effect at all. I could lose my job because of the negative impact this is having as I work for a financial institution. Their calls are recorded and I would like someone to fix this as soon as possible as this is just wrong. I was lied to and told this would be okay when it is far from okay. Please help.
Consumer complaint received 2022-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

***THIS IS URGENT!!!!! **** I submitted a prior CFPB complaint against XXXX XXXX to have my account information corrected on my credit report to correct the payment history to reflect NO late payments, as a 30-day payment was being reported for XXXX, 2020 that was not correct ( on Equifax ) XXXX Per the company 's response ( attached hereto ) they confirmed the inaccuracy and claimed to have submitted the information to correct the error to the credit bureaus. However, when I pulled my updated credit report instead it now shows WORSE information instead ... .a 60-day late instead and no correction made for the first error as agreed!!!!!!!!!!!!!!!!!!! As I previously stated, I am in the process of purchasing a new home and this has created serious issues with my loan. I am now being denied because of this continued error!!!!!!!!!!! This is completely unacceptable and I need this fixed CORRECTLY immediately as I was told in writing would be done by XXXX XXXX XXXX, Manager of Customer Service w/XXXX XXXX! I am not sure how such a serious error can be made on someone's account, but this has to be rectified immediately as this is causing me serious financial damages at this point. I have NEVER made ANY late payments on any accounts with XXXX XXXX and I need ALL credit bureaus to reflect this accurately. Currently, Equifax is now showing a 60-day late payment per attached report!!! How that is even possible, when it was only 30 days late before for the same month! Suddenly, now there is NO 30-day late, but a 60-day late????????????!!!! Ridiculous. I do NOT have 60 days for this to be corrected due to my loan in process. I need this correction submitted immediately and the XXXX # s provided to me. I also now need a written letter from Freedom Mortgage admitting to this error for my current underwriter, as they now feel I am not telling the truth and need documentation in writing from XXXX and a corrected credit report showing NO LATE PAYMENTS!!! I have never in my life seen such complete negligence. I have spoken to an attorney regarding this and will be retaining legal representation if this is not corrected within 24 hours of receiving this complaint. I can not wait any longer, as I am in the process of obtaining financing for my home purchase. Please understand the seriousness of this matter and rectify this promptly!
Consumer complaint received 2022-10-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revco Management, LLC (OH)

Fraud complaint for XXXXXXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX From XX/XX/XXXX until XX/XX/XXXX I was XXXX in XXXX XXXX. I own an XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX Ohio XXXX and prior to my XXXX I had some guy living in XXXX XXXX XXXX at XXXX XXXX XXXXTo my understanding aroun
d XX/XX/XXXX he moved for none payment of rent. 

Then im not for certain because i was XXXX since XX/XX/XXXX and i didnt have any contacts with anyone on the outside. So i don't know if this unit was occupied or not but i have a bill from XXXXXXXX XXXX stating i owe them {$550.00} for XXXX XXXX XXXX at XXXX XXXX XXXX ohio XXXX for services from XXXX. 

I didn't authorization anybody to turn on any any utilities new utilities in my name. Therefore, I don't feel I'm entitle to owe this bill. 

XXXXXXXX XXXX has told me that I called them with my personally information. That's totally not true. In XXXX you can't make three way calls because the phone will automatically hang up and you have to have people on your call list approved to even talk to them. 
Along with this complaint I'm sending a copy of both my XXXX papers, my release papers to the XXXX XXXX XXXX and a copy of my police. 

I will also send a copy of the fraud report that XXXXXXXX XXXX  sent me. It States if the property is commercial or if I'm the owner they can't investigate it. When I called XXXXXXXX XXXX they knew they property was commercial and they knew I owned the unit. So i take that as if they're saying they're not going to look into this fraud account against me. 

I'm also at the point of believing cause I've told these companies I was XXXX they're holding that against me and prejudice in a different way
Consumer complaint received 2022-04-03
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. (VA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX Account # XXXX, Account # XXXX has violated my rights. 

I have never heard of this company. The FCRA states that a consumer has the right to be notified if any financial institution submits or plans to submit any negative information to a credit reporting agency. 

15 U.S.C 1681 Section 602 A states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-02-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (TN)

I am a victim of identity theft. I filed my Identity Theft Report with the Federal Trade Commission on XX/XX/2022, report # XXXX I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 

I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.

I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 

Please send me a letter explaining your findings and actions.
Consumer complaint received 2022-10-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: MoneyLion Inc. (TX)

I have an online checking account with Moneylion. They offered me a loan for {$500.00}. The company deposited only {$100.00}. When I downloaded the paywork it stated I would have pay {$580.00} to them over 24 payments. Then I will have access to the XXXX. It was a bate and switch. This action can be viewed predator lending. The are reporting that I owe them {$500.00}.
Consumer complaint received 2022-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (MA)

I spent over XXXX hours trying to get a {$50.00} reward for a hotel stay that I am entitled to from my Chase XXXX Credit Card from a trip in XX/XX/2022. I needed to be transferred more than 6 times over the course of XXXX hours. I kept getting transferred requesting a supervisor, but either not getting a supervisor or not the " right '' supervisor. The first supervisor was named XXXX after being told I was being transferred to an ultimate rewards supervisor 2 times before this point. After waiting another XXXX minutes to speak to her and having to confirmed my information every time I spoke to someone new she alerted me after speaking to her that I needed to talk to a different supervisor in XXXX XXXX XXXX XXXX. I asked her to stay on the call to assist me but she refused and said, " you can't hold me XXXX '' and passed me to a routine person who I confirmed XXXX times that I was being transferred to an Ultimate Rewards supervisor for Chase and I get transferred to a routine first call person and told that I needed to wait again for a supervisor. I am still on the phone waiting for another supervisor. I am sorry but all this to get a {$50.00} hotel reward credit that I am entitled too. They also keep giving me different answers on why it did not get processed but confirmed that it should have been given to me. The customer service and waste of my time I received was abysmal from a company that falsely identifies them as having amazing customer service. I would be extremely embarrassed if this was my company or if I worked for this company. I truly feel they try to transfer someone to another person to wear them down until they hang up.
Consumer complaint received 2022-10-21
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: WELLS FARGO & COMPANY (GA)

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer
Consumer complaint received 2021-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (MA)

On XX/XX/2021, I tried to make a transaction with the credit card on XXXX ( XXXX website in XXXX ). After entry of my credit card details into the website, the XXXX secure was activated. I was transferred to the website of citi ( with a citi logo and progress bar ) saying the transaction is being verified. However, the transaction was declined. 

This is not the first time this thing happened. On XX/XX/2021, I tried this card with XXXX XXXX for an online transaction, same error. 

I called citibank today trying to ask citi to investigate why this would happen, but only got unhelpful responses - customer service agents did not seem to know what had happened, and they were not listening to their clients at all. I asked to speak with supervisor, and was assigned XXXX, not helpful either. Ref no : XXXX
Consumer complaint received 2019-04-30
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. (MI)

The following accounts are fraudulent XXXX {$12000.00} XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX {$180.00} STATE OF MI XXXX XXXX {$440.00} XXXX   {$180.00} XXXX {$830.00} XXXX {$560.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX {$570.00} XXXX XXXX {$200.00} XXXX XXXX {$960.00}
Consumer complaint received 2020-05-12
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. (AR)

I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report.
Consumer complaint received 2022-10-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (CA)

Hello, Affirm has retaliated against us after the filing of Complaint ID XXXX. 
Affirm responded to our complaint and said : " if this loan does not receive a payment on or before XX/XX/2022, the loan will charge off and may be sent to one of Affirm 's third-party collections partners ''. This response was made on XX/XX/2022, the deadline set by Affirm. 
In essence, Affirm immediately discharged the loan as a result of this complaint by setting the deadline as the same day as their response. It would have been impossible for us to comply with this request. Affirm should not be allowed to retaliate against people who file legitimate CFPB complaints after their own customer service has made no good faith effort to provide resolution. 

Nor does this take into account the core of our complaint. As stated in Complaint XXXX Affirm is not accepting payment from me. Neither by my previous method of payment, which they randomly stopped accepting, or additional methods of payments I have attempted to use. Affirm 's customer service provides no support, and it is unreasonable to ask me to continue to set up new methods of payment when multiple have already been tried. 

Affirm also ignored the context of Complaint ID XXXX, where we demonstrated that Affirm had received payment that was deducted from our bank account and then failed to credit the payment.
Consumer complaint received 2020-12-17
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2000.00}, {$0.00}, {$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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- STUDENT ACCOUNT 3. 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 2020-05-12
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. (AR)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts.
Consumer complaint received 2024-09-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Selene Holdings LLC (PA)

I have been trying since XX/XX/XXXX to obtain payment information on my uncles mortgage because it was transferred from XXXX XXXX  to selene financing. They having been giving me the run around I have sent multiple documents including an short certificate signed by the XXXX County court, a death certificate, XXXX my personal identification. They would not even cooperate with our estate attorney. Now as of today they are stating they need a copy of my birth certificate. We had a buyer for the house that should of closed on XX/XX/XXXXXXXX XXXX We are XXXX XXXX  stand still because they keep giving us the run around on obtaining a pay off.to settle this debt. They are assessing all kind of late fees when I am trying to get this settled. Every day it's something else they need.
Consumer complaint received 2020-05-12
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. (AR)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts.