davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-10
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: EQUIFAX, INC. (LA)

FCRA : NOT MINE : SEE ATTACHMENTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Resident type Single family XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX Resident type Single family XXXXXXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX Resident type Single family XXXXXXXX XXXX XXXX XXXX  XXXX, LA XXXX REMOVE IT : NOT MINE : LOOK UP GOVT LAWS : XXXX XXXX XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$730.00} Status Collection account. {$730.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$68.00} Status Collection account. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$150.00} Status Collection account. {$150.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$150.00} Status Collection account. {$150.00} past due as of XX/XX/XXXX.
Consumer complaint received 2022-05-20
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: NORTHWEST BANCSHARES INC (PA)

I, XXXX XXXX, ( debtor ) XXXX  that Northwest Bank XXXX Northwest XXXX Bank ( creditor ) has omitted certain payments, created escrow accounts without debtor 's consent or knowledge to overestimate and falsify value of the original debt. XXXX XXXX  that the creditor with malicious intent attempted to defraud debtor by serving Confession of Judgment or a Cognovit Note upon debtor who is not a commercial consumerof real estate or property. 
Bankruptcy Case Chapter XXXX case number XXXX to Judge XXXX XXXX XXXX XXXX attorney : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX avers, that her legal counsel failed to confer with her the alleged summary of debt as submitted and as stated in the Claim Detail entered into evidence by Northwest XXXX XXXX that the Claim Detail has several omitted cash payments and avers that Northwest attached additional altered fees and condition of terms adversely to the original debt documented.Debtor avers that Creditor failed to provide any adequate and verifiable documents of TILA disclosure as requested by debtor XX/XX/XXXX, XXXX XXXX  verbiage " Escrow '' has been omitted from filedpayment history for claim yet appears on statements of debt mailed to debtor prior to this actionThe fraudulent escrow account started possibly as far back as XXXX but as I was unaware, I can not be certain and would have to rely on a forensic audit of the original debt as requested on XX/XX/XXXX which the creditor Northwest Bank has failed to provide.Debtor gained knowledge of the creditors falsified and altered claim when speaking to local branch employee located XXXX XXXX XXXX, XXXX Pennsylvania XXXX and XXXX XXXX as the " XXXX XXXX Branch '' Debtor spoke to a young man calling himself " XXXX '' XXXX explained to debtor on the date of XX/XX/XXXX via phone conversation that an error had been discovered on my loan # XXXX in the form of a mysterious and unexplained attached escrow account of which the corporate office was said to be now working on resolving the issues of fees and penalties resulting in the attachment of the escrow account.The dollar value of the concealed escrow account is unclear at this point and I would need additional time to retrieve bank statements from XXXX XXXX XXXX XXXX  XXXX OH XXXX XXXX validate my payments to Northwest Bank in single payments on {$1000.00} or more on more than one occasion.received in cash and by debit card from XXXX XXXX  Attached is Also a receipt of deposit dated XX/XX/XXXX in the amount of {$600.00} cash at XXXX XXXX  placed at the XXXX XXXX branch yet is not reflected in the claim of payment history. 

Respectfully Submitted, XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX
Consumer complaint received 2021-08-10
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

I have multiple Fraudulent account on my credit report and Experian is refusing to Accept my Official FTC Identity Theft Report Sayin Quote ''The identity theft report that you provided to us does not meet the guidelines established by the federal Fair Credit Reporting Act for the following reason ( s ) : '' " It was not filed with a law enforcement agency which subjects the person filing the report to criminal penalties relating to the filing of false information. '' These are the Fraudulent Accounts Account Info Company XXXX XXXX Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX {$3200.00} Account Info Company XXXX  XXXX Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX {$2200.00} Account Info Company XXXX XXXX Bank Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX {$7900.00} Account Info Company XXXX XXXX XXXX Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX {$8200.00} Account Info Company XXXX XXXX XXXX Account number XXXX Collection opened XX/XX/XXXX Account type Debt Buyer Balance on XX/XX/XXXX {$2000.00}
Consumer complaint received 2021-08-10
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. (TN)

On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2021-08-10
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. (NY)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2021-08-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC (NJ)

I looked on my credit report and noticed that there is alleged debt that hasn't been validated placed on my credit report. I do not owe any debt and this alleged debt is being advertised on my credit report to force me to pay this alleged debt. This debt collector is civilly and criminally in violation of the FDCPA laws. I have attached documents in hope to get this issue resolved or I will be seeking litigation. Pursuant to 15 USC 1692G As the original credit only i can validate this alleged debt and i do not validate this debt. Sending deceptive forms such as billing statements or contracts is not a form of validation. Please remove this alleged debt from my consumer reports or else i will sue and seek remedy for all the violations and emotional distress that you have caused me.
Consumer complaint received 2021-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I am a victim of identity theft and I have tried to correct the inaccurate, incorrect and misused information on my profile multiple times, and this company refuses to correct it and tells me its verified. I have shown proof information is all inaccurate and still they claim its verified.
Consumer complaint received 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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
Consumer complaint received 2021-08-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (WA)

US Bank requires a person to go to a lobby to wire money or get a cashier 's check. Fair enough. However, in my area ( XXXX Washington state ) all of their lobbies are closed, no one answers the phone to schedule a lobby appointment, and ( understandably ) there is no way to get a wire or cashier 's check from the drive through and ATM. I tried for days to get an appointment to get my money. US Bank 's branches in my area would not respond to me. They don't even answer the phone. Ever.

I am trying to wire or get a cashier 's check for about {$500000.00} to close on a house on a tight time line. US Bank has a XXXX XXXX of my money but won't let me get it. 

Requiring consumer to go to a lobby for a large transaction is certainly reason. However, I believe it is an unfair and deceptive trade practice for a financial institution to require consumers to go to a lobby to get their money - but then not open up lobbies for them to do so. It's like US Bank has the key to my {$500000.00} ( the ability to enter the lobby to conduct a transaction ) but won't give it to me - the net effect is that US Bank has my money and I don't, and they won't let me get it.
Consumer complaint received 2021-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (MI)

Chase Visa credit card and XXXX XXXX collection agency. 

Debits to my Chase Visa card through XXXX XXXX XXXX were almost all of the outstanding monthly charges to this account, with monthly late fees of {$37.00} adding up to be a majority of the balance. 
No monthly statements were ever sent to me by mail. 
I had requested billing by monthly mail statements for the account numerous times in the past but it was switched to paperless payment with out my authorization. I still try to do as much of my bill payments as possible by mail with a check payments. 
I was unaware that charges were being put on my account until I received a letter and phone call from a collection agency. I thought my wife was was paying the XXXX bill from her credit card, a truly honest mistake. If I was aware this was being put on my credit card I would have paid the bills when they came. 
I have spoke with Chase Bank and XXXX XXXX numerous times with no luck with regards to resolving this issue. 
After speaking with them, they dismiss my story and tell me I have to pay the full amountof {$600.00}. A major part of this were monthly late charges. 
I have offered to pay the outstanding balance minus the monthly late fees, but am told there is no negotiating the settlement balance, and I believe my story is being dismissed as nonsense. My wife and I have near perfect credit and this is not a financial hardship situation. 
Please review my letter and let me know the best wat to move forward. 
This has become very XXXX XXXX for us since it was brought to our attention. 
My wife is very sick and needs a XXXX XXXX. Her XXXX has been put on hold because of the pandemic. Little unresolved things like this just add to more stress in our lives, Very frustrating. 

Best regards, XXXX and XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-10
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Windham Professionals, Inc. (NJ)

DEBT COLLECTOR - XXXX, XXXX XXXX XXXX, XXXX, NH XXXX CLAIMED COLLECTION FOR : XXXX XXXX {$4600.00}. 

HAVE HAD TELEPHONE CONVERSATION TO ADVISE THE AGENCY TO DESIST FROM COLLECTION EFFORTS AND DO NOT CONTACT ME. AMOUNT LISTED ABOVE IS BEING ADDRESSED AS TO RESPONSIBILITY OF VETERANS AFFAIRS OR MEDICARE. XXXX ADVISES THEY HAVE TOLD PROCO TO STOP, BUT THEY HAVEN'T. 
I HAVE ALSO SENT A CEASE & DESIST CERTIFIED LETTER TO PROCO. STILL, I AM BEING CONTACTED FOR COLLECTION. COLLECTOR ADVISED THEY HAVE NOT BEEN IN THE OFFICE ( LISTED ON THEIR COLLECTION NOTICES ) SINCE 2020 AND CAN NOT CONFIRM RECEIPT OF THE LETTER. ADVISED TO SEND THEM AN EMAIL BUT GAVE AN ERRONEOUS ADDRESS.
Consumer complaint received 2022-08-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2022, I noticed that 2 transactions/payments ( {$3000.00} and {$500.00} ) were made on XX/XX/2022 from my checking account # XXXX to a Bank of America credit card account ( acct # unknown ). 
These payments were not authorized by myself or spouse as we do not have a current BOA credit card or loan. I contacted BOA customer service/fraud dept about this problem on XX/XX/2022. After BOA researched the issue, The only information that they will provide is that these transactions were supposedly made via online bill pay from one of our devices. They denied our claim and said we would need to get a subpoena to disclose which device and who's BOA Credit Card Account was the recipient of our funds. 
They advised us we would need to take our devices to a third party security services company and we would need to provide evidence that the transactions were made without our authorization from our devices. In other words we had to prove that someone else had unauthorized access to the device and had originated the transaction from our device to an account that they refuse to disclose the information about. The lack of transparency about the parties in the transaction and deferring the responsibility to us to prove we did not originate the transaction is an unreasonable request.
Consumer complaint received 2021-08-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

On XX/XX/2021 my annual mortgage escrow review was completed and mailed. I received the escrow review in the mail on Monday, XX/XX/XXXX. 

Upon review, the escrow review showed that I owed in excess of {$23000.00} for flood insurance. This review included flood insurance on my condo which is covered by my buildings HOA. It is not an escrowing account. Upon seeing this error I contacted my mortgage servicer, NewRez. 

On XX/XX/XXXX, on the phone with NewRez, I was brought into a conference call with two agents, one from the insurance department and one from the billing department. Both stated that it was a clear error on the escrow review and that the review would be corrected. They instructed me to call back to check on the status later in the week and that the review would be corrected, at the latest, by Monday, XX/XX/XXXX. 

As instructed, I contacted NewRez on Thursday, XX/XX/XXXX. An agent told me that she saw that it was on a workers docket and was on track to be completed by Monday, XX/XX/XXXX. 

On Monday, XX/XX/XXXX I called NewRez after my online account was not updated. I spoke with one agent who hung up on me. I then called back and spoke with another agent who informed me that all of the previous agents were misinformed and it would take up to a month to get a escrow review corrected. I stated that a payment was due on XX/XX/XXXX and she stated that hopefully it would be done by then. She then stated that there was nothing that she could do and when I asked to speak with a supervisor she said none were available. She then told me to file a dispute and formal complaint with NewRez and walked me through the steps in doing so. She said if I did this, a supervisor would be in touch the next day. 

On Tuesday, XX/XX/XXXX I have yet to hear from NewRez and no changes have been made to my account. It is both disheartening and disenfranchising that a simple correction has taken so long and I can not get in touch with any supervisor from NewRez.
Consumer complaint received 2022-02-02
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (CA)

This all started when I noticed an unauthorized charge : XX/XX/XXXX there was an unauthorized charge for {$180.00}, I called it in, Old Navy made the adjustment that same day. I requested a new card for my protection. 
XX/XX/XXXX old navy transferred my balance from the previous card, {$220.00}, to the new card-I am fine with that. But I was under the impression that it only takes ONE balance transfer. The balance carried from XXXX ( Old card ) matches the XXXX balance c transfer. 
XX/XX/XXXX I make 4 returns in person in the amounts : - {$83.00} - {$19.00} - {$25.00} - {$96.00} Since I pay off my entire balances every month I expected to see a credit of those 4 returns in the amount of ( {$220.00} ) On XX/XX/XXXX I make another 2 returns in person : - {$47.00} - {$12.00} Old navy / fraud department/investigations department ( 3 different departments ) can not tell me why on XX/XX/XXXX somebody posted 3 of my 4 returns from XX/XX/XXXX as balance transfers ( charges ). These charges ate into what was suppose to be an overpayment or credit of at least {$200.00}. 
I have made 4 calls maybe 5, each call lasting about 1-2 hours. I keep getting transferred between departments, at the end of all of this, only {$19.00} was returned. The last manager I spoke to was XXXX from Old navy customer service. He said Old Navy had double credited me those 3 quantities from XX/XX/XXXX in the previous billing cycle. I explained that's impossible because I returned those items in 4 different transactions ( because they were from 4 different orders ) on XXXX, so how could they process those credits in XXXX? How did they know what I would be returning? My statements do not reflect double credits. 
The unauthorized charge from XX/XX/XXXX led to this disaster of accounting, they keep telling me the 3 transfers on XX/XX/XXXX are not charges, yet a transfer is a charge in any statement. They tell me they double credited me, but have no statement reflecting double credits. All they did was postpone my minimum due payment, and only credited me {$19.00} out of the 3 returns from XX/XX/XXXX and the 2 returns from XX/XX/XXXX.
Consumer complaint received 2021-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Franklin Collection Service, Inc. (TX)

This debt was settled with XXXX XXXX XXXX. Yet Franklin Collection refuses to remove inaccurate information from my XXXX  Credit Report. Please contact the reporting agencies inform them that the debt is disputed and advise them to delete it from my credit report. Failing to report information correctly, violates the Fair Credit Reporting Act.
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent my letter on XX/XX/2023 asking the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. 

According to the FRCA, the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law? Also, many pieces of information on these accounts are still not reporting 100 % accurate and according to the FRCA 15 USC 1681, everything has to be 100 % accurate. I have attached the credit report showing the inaccuracies and inconsistencies. How have the credit bureaus verified these accounts if they are showing so many discrepancies on fundamental pieces of information such as addresses, date account opened, balances.

I asked the credit bureaus to share their method of verification and validation of these accounts, but they failed to respond.
Consumer complaint received 2022-09-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: M&T BANK CORPORATION (PA)

M & T Bank has routinely created excessive roadblocks for it's customers in accessing basic customer services, especially in investigation of fraudulent charges. 

It is a well-established industry standard in banking, to provide customers the ability to initiate investigations on potential fraud via web and mobile platforms. Further, this institution has not even organized a customer-facing department to address inquiries related to fraud. Customers have no one to call, except the main customer service line. On at least three occasions, since prior to XXXX XXXX of 2022, the main customer service line was either completely shut down or forced customers to wait at least one hour for service. During this time, most branch locations were closed as well. 

M & T Bank has failed to do this for their own customers, and now have taken on additional customers from People 's United Bank, who are also not being adequately serviced.