davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-23
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: PNC Bank N.A. (PA)

Our complaint is with PNC home mortgage loan department, specifically with XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX based out of IL and possibly Michigan from the phone numbers. We were referred to work with XXXX XXXX through our local PNC branch on XXXX of 2019. Initially everything was going smoothly and our credit report was ran and we received a preliminary pre approval, then wanted to get a final approval so that we could start looking for a home in a decent price range and were left with no answers from the senior loan office XXXX XXXX. We left messages sent emails with no response and it wasnt until we were able to connect with our local branch and speak with an employee there who the reached out to her supervisor and magically got a hold of XXXX XXXX. Upon speaking with XXXX XXXX we were told we could begin searching for our home and could use our preliminary pre approval to do so. We found a home rather quickly which then began the nightmare of working with this individual and everyone who we were told to contact for assistance and loan processing. We put in an offer on the home and it was accepted the same day and were told by XXXX XXXX that everything was good to go for a closing date of XX/XX/XXXX and even receive paperwork with this date so adjust our work schedules accordingly. Upon the acceptance of our offer and moving forward it has been nothing but XXXX. We receive emails for the request of further information needed and we left hanging with no phone calls from the lender to discuss this and when we call and leave multiple messages to the point where mailboxes are full, no calls are returned. When a call is returned it is always that more information is needed or that a mistake was made on the lenders end so we need to move the closing date out further. XXXX XXXX is the manager for XXXX XXXX, also never returns calls or emails, but XXXX admitted that a XXXX dropped the ball at one point in the process and it delayed things. Then XXXX admitted hat she submitted the wrong employment dates to the IRS and this is causing another delay. This individual has made this experience of home buying a toto also nightmare and disaster. Our realtor has reached out several time to our lender and left several messages with responses that are truly unexplainable from XXXX XXXX. Since every call is recorded I would love for someone to investigate what exactly is going on with our mortgage loan because this is unheard of. I have emails Ive send to everyone who is working on this loan and no reply. Purchasing a home should no be more than 30 days, when investigates you will find that this process has gone on for well over that and we still have yet to receive a final answer and are expecting our XXXX child in XXXX.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Lending Club Corp (FL)

We had some expected medical expenses which caused me to miss a payment in XXXX. I sent them an email letting them know I would make the payment XX/XX/19 ... in the last week from XX/XX/19 to XX/XX/19 they have called my cell phone over 20 times and I have talked directly to someone 3 times in the last 24 hours. The last young lady I spoke with I asked her why they were still calling me when I had already spoken to twice to them in the last 24 hours ... she told me that their Auto Dialer will continue to call me until the payment is posted and there was nothing they could do. I believe that is in violation of the FCC and CFPB regarding robo calls and the NPRM regarding debt collections. I have repeatedly explained that there was no way for me to make up the missed payment, and based on my previous good payment history I asked that the loan be re-written/re-financed or allow me to skip a payment. They stated that there was no way to do that and had no alternative to offer.
Consumer complaint received 2020-01-23
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. (FL)

This situation is very stressful. I've call the credit bureaus and they advised me to make a report using this site. 
someone stolen my personal Information. I went to the police Station and I was told to call all Credit all Major Credit bureau to file an complaint which i did. this situation is getting out of hand. all I ask is to have this account cleared up this account is fraud. 
thanks for your time.
Consumer complaint received 2019-12-26
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Hawk Inc (SC)

Hi, my name is Ms. XXXX XXXX. Back in XXXX I filed a complaint against Lenders Loan Company at XXXX XXXX XXXX XXXX SC XXXX. Case number XXXX. From my understanding before it was closed. I thought the Lenders Loans had closed my case, my account. Is that right? If so, I was summons again by these people on XX/XX/2019 and the magistrate papers are dated XX/XX/2019. Why are they serving me again when the case is closed on their end. I don't understand. What can be done for this company to leave me alone. I am a XXXX XXXX with severe problems and a single parent and trying to live for my kids. I been out of work off and on with health issues with myself and my young daughter XXXX XXXX   at school and fall up stairs XXXX  her XXXX.These people are really stressing me out. Can you all please help me.
Consumer complaint received 2022-08-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio (IL)

I feel like I'm being taken advantage of being ignored of my disputes. XXXX makes it clear that failure to review an item within XXXX  days will result in its removal from my credit report immediately. These entries should be deleted immediately as they are older than XXXX days. I demand the immediate deletion of these accounts ; otherwise, I will sue you for the stress you have given me. 

XXXX ( Original Creditor : XXXX THE XXXX XXXX ) XXXX
Consumer complaint received 2024-08-08
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. (NY)

I recently received a copy of my credit report which showed data ( INACCURATE, MISLEADING, or IMPERMISSIBLE INFORMATION ), that I did not authorize nor was I given such information, providing me with '' the option to or directing me ( the consumer ) to exercise the nondisclosure option of data to a XXXX party ( in contravention to Sec. 6802 ( b ) ( 1 ) ( B ) ( C ) of Title 15 USC ) ''. As a result of the violation of Sec. 6802 to the consumer, the financial institution XXXX XXXX XXXX XXXX has been violating federal law ( XXXX ( a ), ( b ) and providing this agency with MISLEADING, INACCURATE and UNAUTHORIZED data, ( LATE PAYMENT, and USE of SPENDING/UTILIZATION RATE ) to this agency to publish in contravention to the Consumer Credit Protection Act. and the PRIVACY Act. 
I requested for XXXX to adhere to the mandate of law and remove the following ( IMPERMISSIBLE, MISLEADING, INACCURATE ) data from my credit file, immediately because I did not authorize nor inform any Bank, on any documentation, that I was not given the option to decline to allow my information to a XXXX party, and conveying my authorization to publish my data to a XXXX party. Thus, the INFORMATION in the database of the reporting agencies is MISLEADING, UNAUTHORIZED, IMPERMISSIBLE and INACCURATE until verified and I requested that the information be completely removed until it is verified as authorized and permissible. 
Furthermore, I gave a NOTICE/CAVEAT to the reporting agencies indicating : " Any future violations of this notice will result in a CLAIM being filed against you with the XXXX. I will utilize my right to log and record any communications you send, in violation of this notice, including electronically recording any future telephone call from you. 
I also gave the reporting agencies a CAVEAT indicating : You are hereby served Legal Notice. 
By this notice : you are hereby barred from raising ignorance from the content put forth in this notice as an affirmative defense in any subsequent legal decisions. 

No reply was ever sent to me from XXXX XXXX XXXX XXXX.
Consumer complaint received 2020-12-17
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Consumer complaint received 2019-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (PA)

I had a credit card with Barclays. The dispute came from fees they assessed against my account. I always pay my bill in full, and they suddenly charged over {$50.00} in interest one month. I discovered later that they did this because they accidentally posted a payment on my account, and they charged me interest for three months from the time they posted the payment until they discovered the error. During these 3 months, I had been paying the full amount on my bill by the due date. 

When I discovered Barclays ' error, I made the payment in the amount that they had posted, but I contested the amount of interest because it was not my fault. I received 3 standard responses that " We are unable to complete your request. '' I stopped using my Barclays credit card, started making arrangements to get a new credit card, and I used {$75.00} in " rewards '' to reduce my balance. Then, I received a letter dated XX/XX/XXXX that stated that they had posted {$29.00} in " interest charge-purchases '' on my account on XX/XX/XXXX. The amount was the balance on my account, not the fees/interest that Barclays had charged on my account. Regardless, upon receiving that letter, I wrote a check in amount of {$29.00}, returned my credit card, and asked them to close my account, with the hope that I would no longer deal with Barclays. 

Since then, I have continued to received bills from Barclays. Apparently, they are charging a fee over {$20.00} per month on an account that has been closed and paid in full. In XX/XX/XXXX, I sent a letter to explain that they had not properly investigated my dispute, and that I should get a refund instead of bills. I received no response. Instead, I received a new statement in the amount of {$41.00}. 

I am writing to complain that Barclays ( 1 ) failed to investigate a dispute as required by the Truth in Lending Act, and ( 2 ) continued to charge fees on a closed account that has been paid in full. 

I am attaching my correspondence with Barclays regarding this matter. Thank you for any assistance you could provide.
Consumer complaint received 2024-08-08
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: Experian Information Solutions Inc. (NY)

I'm writing to address unauthorized accounts on my consumer report linked to identity theft. These accounts lack my written authorization or wet signature for inclusion. Following my recent communication with your organization, I formally request the immediate blocking and removal of these accounts from my report. 

These inaccurate entries misrepresent my credit history and obligations, causing significant emotional and financial strain. They've impeded crucial financial goals, including home purchase and meeting family needs. If not promptly addressed, I'm prepared to pursue legal action to protect my rights and seek resolution.
Consumer complaint received 2019-03-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NC)

I am a part of the PSLF program ( public service loan forgiveness ). I am a XXXX in North Carolina. Upon review of my certified payments through XXXX Servicing ( XXXX ), I noticed a discrepancy and called to speak with a representative on XX/XX/XXXX. I was told I needed to go online and fill out a contact form. I immediately did that with the discrepancy information. They have 6 months of qualifying payments missing from one of my certified documents and another 9 qualifying payments from another. All I received were confirmation emails that they received my concern and would contact me " as soon as possible. '' I waited and sent additional emails on XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. All of these emails have gone unanswered other than one of them on XX/XX/XXXX when I mentioned I may need to seek legal counsel, to which a representative named XXXX replied that " We are currently reviewing your qualifying payments for Public Service Loan Forgiveness.  This is a manual process and can take a great deal of time. We understand it is frustrating to wait, and we apologize for not having a precise time frame for this process. At this time we have many requests of this nature and are working as quickly and accurately as possible to satisfy all requests. '' Other than that, I have received no response. I'm concerned that my loan forgiveness is not only inaccurate but that I have virtually no recourse in how long or even IF my payments will be corrected as the customer representatives will not speak with me about it and no one will email me back. It's preposterous! How are they able to deal with government-backed loan programs and run a business like this?
Consumer complaint received 2019-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (CA)

I've received 1099 MISC for {$700.00} total other income from Chase on XX/XX/2019.I have spoken with in bank bankers, Chase customer service reps and even the 1099 reps, and it is indeed an endless loop of ignorance. XXXX, when I ask the 1099 rep to explain what the listed amounts are for, I will be told that they don't have the records on my account and that I will have to talk to customer service. Customer service in turn knows zip and just wants to get rid of me, so they transfer me to the 1099 rep, who seems to be outsourced and know nothing about US Tax Laws. I am contesting the {$700.00} amount because I have not received that at all.
Consumer complaint received 2021-12-16
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: EOS Holdings, Inc. (AL)

The collection agency had been repeatedly harassing other people in an effort to contact me, even after being told by those people that the collection agency had the wrong number. Apparently, the messages to other people referenced a " judgement '' against me. 

In order to stop this harassment, I contacted the collection agency. The man I spoke to tried to portray himself as a neutral party and said he would be " advocating '' for both me and " the client. '' He then hinted that I had commited " theft of property '' amongst other crimes and that he wanted to offer me a chance to settle before he " sent it to the county. '' I interpreted this as a threat of criminal prosecution. 

I asked the man to verify the name of his company. He stated XXXX, XXXX. 

He then offered several payment options. When I requested that he send documentation of this payment offer, he refused. He then again implied I had commited crimes and would face action from " the county. '' The call ended shortly after.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, XXXX USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file 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 XX/XX/XXXX
Consumer complaint received 2024-08-08
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: PNC Bank N.A. (NJ)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2020-11-20
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: VW Credit, Inc (CA)

This began when I noticed that the balance on my vehicle had a very drastic jump in the balance. In XXXX of this year there was {$16000.00} owed, but in XXXX Volkswagen said that I owe {$25000.00}. {$9000.00} was added to the balance in just 3 months! Rightly shocked I reached out to Volkswagen and asked for an account ledger because I needed to know where these charges came from. All I received from them was a payment history notice. Not what I asked for. I immediately reached out and again asked for an actual itemized ledger. I still had no idea where this {$9000.00} came from. Instead of sending me the ledger, they repossessed my car in XXXX! I then had to pay {$10000.00} to get my car back. I am in absolute shock and extremely frustrated at how Volkswagen can repossess my car, and at the same time, never even explain to me what these excessive charges are for. Included is the payment notice from Volkswagen. Also the receipts from when I had to pay to get my car back while they refused to help me.
Consumer complaint received 2020-03-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (GA)

In accordance with the FCRA I demand that XXXX XXXX provide proof of the total debt owed and proof that this item belongs to me. I have requested this information from XXXX XXXX for years and they have failed to provide documented proof that this item belongs to me. In accordance with federal law if XXXX XXXX can not provide proof that this debt is owed by me it must be removed. If the XXXX XXXX does not provide proof I will file legal action against them and any agencies still reporting this debt inaccurately.
Consumer complaint received 2019-03-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (TX)

I purchased XXXX tickets for my son and I from what I thought was reputable dealer for {$160.00}. The seller provided name, phone number, bank info, and email address. I was advised to use Wells Fargo banking app to transfer the funds using XXXX. After money sent I waited for tickets to arrive but nothing. Phone calls were sent straight to voicemail and texts were no longer responded to. After reaching out to my bank to report the fraud, I was told that they hold no responsibility for XXXX usage despite the money transfer service being in their application. I was also not given information regarding transaction despite Wells Fargo requesting information when utilizing app. I believe that is a shame that Wells Fargo and XXXX  XXXX XXXX promote and make money off of an service that provides zero responsibility for fraud and insecure transactions.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I was utterly stunned and disheartened this morning when I discovered inaccurate accounts on my credit report. I regularly check my report, but today, there were discrepancies that appeared out of nowhere. I tried refreshing my browser, hoping it was just a glitch, but no luckthe inaccuracies remained. I urgently need the documents Ive sent to be reviewed thoroughly so I can have peace of mind.