davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-12-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (MD)

Case Id from US Bank Card Member Services XXXX On XX/XX/year>XXXX XXXX XXXX  made an unauthorized withdrawal of XXXX from my checking account using a debit card. 

This started when I signed into XXXX XXXX. The screen looked exactly like XXXX XXXX except the screen said my account was on hold and to call a specific telephone number, which I did. The person I then spoke to spoke perfect English. He asked me whether I made recent purchases in XXXX XXXX XXXX XXXX. I said definitely not. 
This person then offered to help me to get my money back and to stop it from happening again. I fell for it totally. 

He got me to open and transfer to a XXXX XXXX account {$1100.00} which his computer would recognize and the amount would not be taken from my checking account. I fell for it. 
Later I contacted my bank, US Bank in XXXX XXXX Missouri within minutes of the call. I spoke to someone in the fraud department. They promised to help me, however they did not. 
I made several calls to the US bank fraud department. The case was escalated. At each level they said they did not have the authority to make a decision. Eventually the case went to a " supervisor '' Now all through all these calls, I could never speak to the same person. Each call went to a phone back. And I had to start over to explain what happened. And for each call I asked for the documentation to indicated to the bank I made the transaction voluntarily and received benefit. 
They explained the benefit I received was my name, phone number, address, birthdate, and social security number. I tried to explain this was not a benefit and the information is readily available on the Dark Web. 

I never received the document they spoke of ever though I requested it several times. They promised several times to send it top me. 

So at this time XX/XX/year> I am out {$1100.00} and the bank says the case is closed. I have not received the document the bank received from XXXX XXXX. 
The Case Processor at US Bank is XXXX and the number is XXXX. They are staffed 24 hours per day, 7 days a week.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CT)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: PNC Bank N.A. (NJ)

Dear CFPB : I am writing regarding my Mortgage account that was initially with XXXX XXXX and then sold to PNC bank. I had been with XXXXXXXX XXXX for over 2 years and I never had any issues regarding the loan terms, conditions payment history etc. 

Several months ago, XXXXXXXX XXXX sold my mortgage loan to PNC bank and I received written correspondence stating that the mortgage transfer took place. Every was marching business as usual as I had my automatic payments scheduled since I have the loan. 

All the automatic payments went through until XXXX this year. I found out sometime in XXXX that the payments were not being processed by PNC bank for 3 months or so. I decided to call the bank and they stated that the automatic payment option was suspended and, I needed to sign some sort of automatic payment agreement to reinstate the autopay. I was not aware of this form and if this was the case why they did not provide it when the loan was acquired by the bank. Payments were always being processed business as usual for months. 
After discussing the situation with them I made all the payments that were not processed due to the autopay suspension. 

As a result of all this mishandling my Mortgage account was reported late to the credit Bureau agencies dropping my credit score significantly. 
I immediately reached out PNC bank and they were not cooperative when I asked them why they reported the account being more than 30 days late, when they did not explain their autopay policy in details at the time the loan was sold.
Consumer complaint received 2022-07-14
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. (NJ)

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 us 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 XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2024-08-08
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America wired my funds to an incorrect account number in a foreign exchange transaction from XXXX to XXXX, sent in Euros. This was their error in completing the transfer request paperwork. I discovered this when the service I sent the funds to said they did not receive my funds and I had to wire the funds a second time. 

I spoke to at least 15 people at the Branch, banker who made the error, bank managers, regional managers, at their supervisor level, all the way up to their client escalation department to recall and return my funds and it has been since XX/XX/year> that i have been not made whole and they keep promising to resolve the issue and give me different information depending on whom I speak to as to the process of returning the funds to my account. It appears that I may never get my funds returned under these conditions.
Consumer complaint received 2022-12-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Hunt & Henriques (CA)

It has come to my understanding that through multiple phone calls with Hunt & Henriques whom are representing XXXX XXXX XXXX XXXX XXXX XXXX ) that they have used deceptive, false and misleading practices towards me. They have misrepresented themselves as representing the original creditor, XXXX. When they reference the alleged amount that I owe, on more than one occasion, they referred to the account as " better known as '' or " also known as '' or " " you may know this as '' your XXXX XXXX. '' Hunt & Henriques contacted me initially on behalf of their client XXXX XXXX, so I've come to understand. Their client is not XXXX. XXXX XXXX bought the debt from XXXX. By saying " better know as '', Hunt and Henriques misled me into believing that this account was associated in some way with XXXX and by using this language they deceived me into believing that they were working on behalf of XXXX which they were not. XXXX was completely out of the picture by the time they they called me. Their client isn't XXXX, By misleading me they gave me the false impression that repaying these funds would go back to XXXX through XXXX XXXX. This caused me to enter into a stipulated agreement with them not knowing that XXXX wouldn't be getting the money. By using misleading and deceptive practices Hunt & Henriques was able to persuade me into believing false information about the alleged debt which eventual led to a judgement. Had Hunt & Henriques not misled me into believing that this alleged debt was still somehow involved with XXXX getting their money back I would have fought the judgement. By using this deception Hunt & Henriques also caused me intentional infliction of emotional distress.
Consumer complaint received 2022-07-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Forster & Garbus LLP (NY)

Foster and Garbus LLP is attempting to collect a debt for XXXX XXXX XXXX which was purchased from XXXX XXXX, which defaulted on XX/XX/2002 for the amount of {$1800.00}, the original amount owed was {$500.00} dollars and amount that is being billed on demand {$1800.00}, this debt is XXXX XXXX XXXX.
Consumer complaint received 2022-07-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Grain Technology, Inc. (GA)

Grain Technology has hundreds of their clients locked out of their accounts. We are unable to process our account information, pay down our debt, or withdraw funds from our accounts going on 5 months. Ive reached out numerous times, but they do not have any sort of customer service set up. They ignore complaints, and now they are stating they will report late payments on my account even though i had no access to my account.
Consumer complaint received 2016-02-05
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (VA)

I paid my most recent mortgage payment by phone on XXXX XXXX. During that process, I was advised by the automated system, that my payment could not be processed. I called back and spoke with a representative, who verified that my payment had in fact been processed along with the {$13.00} fee charged. This originally happened about 5 months ago. I made my XX/XX/XXXX or XX/XX/XXXX payment and was advised that it was not processed. I was a little worried and called back to speak with a representativeIThat 's when I was advised that the payment was n't processed again because I already paid. I advised the representative that the automated system told me that it could not be processed and if I had n't called back in, I would have never known that my payment and fee of {$13.00} was processed. I have reported this issue for several months and nothing has been done about it. From my understanding, when processing an ACH payment, there is a XXXX disclosure that must be provided every time a payment is made.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Experian XXXX and XXXX refuse to remove missing or late payments on closed accounts in addition to not removing the information on a closed account they are unwilling to take off report information such as late payments on closed accounts written off accounts charged off accounts from creditors it is very unlikely that four things are occurring and being reported on my credit the account can not be past due charged off written off and late payments from 5 years ago.In accordance with the fair credit Reporting act XXXX Account has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
540In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-07-14
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. (NY)

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 XXXX has me at a score around XXXX. 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 XXXX 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 XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX 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 XXXX XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

15USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the XXXX XXXX XXXX report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2016-12-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Southwest Credit Systems, L.P. (FL)

SOUTHWEST CREDIT XXXX ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you SOUTHWEST CREDIT SYS or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : SOUTHWEST CREDIT SYS or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2022-07-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (MA)

I am applying for public student loan forgiveness ( PSLF ) for my law school loans serviced by FedLoans. XXXX months ago I resubmitted my employment certifications, even though I have submitted these certifications throughout the life of the loan and my years of employment, many of my certifications were no longer on file. I received a letter from FedLoans and noticed that many qualified payments were not applied. I am now resubmitting the same paperwork, that I have resubmitted many times in the past XXXX XXXX, in an effort to have my qualified payments applied. This nonstop, paper-chasing XXXX by FedLoans is extremely frustrating. I have no reason to believe that when I send in the documents, again, that FedLoan servicing will accurately apply my qualifying payments to my PSLF.