davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-20
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. (AL)

As you will review, if you have access to my records, I have had many complaints again my mortgage company. In XX/XX/2019 I thought a resolution had been made with XXXX XXXX. At the beginning of XX/XX/2019 I realized that the issue was not resolved because my account was showing delinquent on my credit report. It stated I still owed for XX/XX/XXXX. The overall issue is this, which then brings me to my dispute with my credit report.They want to charge me $XXXX a month for my escrow. When I calculate my escrow based on my Taxes and Insurance bill the basic math equals $XXXX. If then I provide a 2 month cushion, the amount comes to $XXXX. Currently I send in a check each month one for Principle and Interest = $XXXX   and then an Escrow check = $XXXX. The billing department will put all of my money into Escrow because I am not equaling to what they say I owe which is $XXXX. Then my account looks delinquent when in actuality I have paid. They did this all last year and are starting to do it again. If I put on the memo line of my check what it is to be accounted for that should not be an issue. I also always include a letter with the same information. There has never been any dispute of this information provided to me in writing, I am only informed by my credit report. They never send me notifications or statements. The only communication I have is with XXXX XXXX In the end all I want is to have my credit report reflect I make my Mortgage payments on time, because I do and I can prove that. If they choose to put the money toward Escrow and ruin my credit then I will continue to complain and may have to take further legal action which I really do not want to do. This saga has gone on too long and according to some research this company seems to have a lot of complaints and one lawsuit due to the same issues as I am having. If you are suppose to be looking out for the Consumer why does it take so long for these companies to be taken to court and made to account for their actions?
Consumer complaint received 2016-05-16
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I requested a line of credit increase from Capital One on my Secured Card. At the time I opened the my secured card account I read on the Capital One website : credit line increases would be considered either by additional deposit of funds or review by Capital One. I received an update on the Capital One Message Center stating my request was denied for the following reason : " Unsecured credit line increases are not available upon request on Secured Card account. '' I chatted with Capital One to find out : 1. no funds maybe deposited to increase my line of credit, 2. the message I received concerning denial was not the real reason the line of credit increase was declined, 3. Capital One does not conduct periodic reviews or have a review schedule for a line of credit increase. I came away from the chat with the following : 1. additional funds may not be deposited which is contrary to advertisement, 2. inaccurate reasons for denial are provided by an account rep and communicated to the customer on the Capital One Message Center 3. The customer looking to improve their credit will not have a periodic review 4. Capital One does not have a periodic review schedule for any type of line of credit increase
Consumer complaint received 2020-05-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (OH)

In XXXX of 2020 I contacted the three main credit bureaus and the individual debt collectors about debts that are on my credit report that I am not familiar with.

The three credit bureaus responded that these accounts were verified, but could not tell me how they were verified or what information and documentation was provided to them to verify these negative accounts. 

In XXXX of 2020, I contacted each debt collector directly via letters that were sent by USPS and by phone. None have sent any documentation showing that these are my accounts. I have only been provided with an account statement showing a debt. 

Because of all the fraud that has taken place throughout the world I am asking for documentation showing these debts are mine. Not an account statement. If these are indeed mine, they should be able to provide me with this information. 

After contacting my attorney, in order to move forward with a lawsuit - I will be sending another letter via Certified Mail to each company involved. If these accounts aren't removed or original documentation provided we will move forward with our legal process.
Consumer complaint received 2020-07-27
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: Nelnet, Inc. (SC)

My XXXX  case number is # XXXX. When my credit report was pulled I had two reports from the Dept. of Education that showed up on the mortgage department 's derogatory statement. They mortgage company agent instructed me to send the document to them and XXXX  showing that the loan was paid in full and not just a closed account which may lower my score if seen as a derogatory report. I immediately sent a dispute online to XXXX  and uploaded the letter from the Dept. of Education to make sure it was seen and categorized as two positive reports. Instead of reading the document and verifying that they were placed as positive credit reports XXXX  deleted them from my report lowering my credit score. I was working hard on my credit score to close on my first house using my VA Loan and now that has been jeopardized. When I contacted XXXX  to Monday XX/XX/20 at approximately XXXX they instructed me that they understood my situation and to request that the Dept. of Education submit an re-insertment form so they could correct the error. When asked could I speak to a supervisor I was told that one was not available for 3 hours. I called both agencies twice until a specialist from the Dept. of Education explained to me that it was a serious violation of the fair credit act and I should report XXXX  because it was their error and they should have went to their data base and corrected the error by reinserting the paid in full reports themselves, This matter is seriously effecting my chances of getting the house that I and my wife worked so hard for. I only ask that they put back my credit history in the proper category and restore my credit score. My contact number is XXXX XXXX XXXX XXXX XXXX and I hope this could be rectified as soon as possible.
Consumer complaint received 2020-05-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP (OH)

To Whom it May Concern : I am writing this letter to notify you of a continuing violation of the Fair Credit Reporting Act ( Section 609 ( a ) ( 1 ) ( A ) ) committed by US Bank. 

After several acts of disputes and letter submissions made on my end, each attempt proved futile. At times, some of the requests made were not even acknowledged with a response. As I attach some of the articles in this compliant evidencing correspondence that took place, it is unequivocally clear that I never made a refusal to pay, but gave notice that the claims alleged were disputed. Due to their negligence, noncompliance, and refusal to delete UNVERIFIED information from my consumer file, it has cost me tremendously in regards to employment opportunities, residency approvals, loan/credit line approvals, and administrative fees for the dispute process.
Consumer complaint received 2020-07-27
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. (NC)

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX For XXXX/Equifax/ XXXX & Attorney General/Consumer Finance/XXXX. 
RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. These fraudulent accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. 

XXXX/XXXX  ACCT : XXXX AMT : {$130.00} XXXX  XXXX XXXX ACCT : XXXX AMT : {$250.00} XXXX XXXX XXXX XXXX ACCT : XXXX AMT : {$500.00} XXXX XXXX XXXX XXXX ACCT : XXXX AMT : {$630.00} XXXX XXXX XXXX ACCT : XXXX AMT : {$2300.00} Also, the following unauthorized Credit Inquiries will be removed immediately without prejudice:7 XXXX  XXXX XX/XX/2020 XXXX   XXXX XXXX  XXXX XX/XX/2020 I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with Equifax, XXXX, and XXXX via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from XXXX, Equifax and XXXX, However, Equifax ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. XXXX  and XXXX  all seem to gloss over my request with pleasure. 
This is again a demand to remove and block such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX
Consumer complaint received 2021-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (WI)

XX/XX/2021 I filed a complaint against PNC over what I clearly see as deceptive marketing practices related to their Overdraft Solutions. Solutions that do not come close to what they claim. Solutions designed to create a false sense of security, solutions that do nothing more than create fee income for the bank. 

Moreover, every person you talk to gives a different answer to a question. Since the day I walked in the door, no matter what info I am looking for, what process or procedure I am looking for instruction on, I am told the last information I was given was wrong. 

Im fed up. Done. What Will it take for government oversight into what PNC gets away with? What? 

Complaint no. XXXX filed XX/XX/2021 will provide any and all facts relating to this now, 2nd complaint. Nothings changed! In fact, things have only deteriorated. Now, my complaint isnt stopping here or at the XXXX. Im proceeding on filing with the FTC, Wisconsin Dept of Financial Institutions, The Federal Reserve Board, The Office of the Comptroller of the Currency and any other agency I come across that may hold any amount of oversight here. They make up the rules as they see fit, as they go along! A practice that makes it easy for them to enjoy economic gain. I am not paying their latest ransom for deceptive marketing/practices and will be closing this account. But not until every oversight agency is notified,
Consumer complaint received 2020-07-27
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (WA)

I have a home loan with LOANCARE ( account XXXX ). Before 27 days BEFORE I " missed '' the XX/XX/XXXX payment, I filed with LOANCARE the request of forberance for just 30 days. The automatic email said it would take about 3 days. On XX/XX/XXXX, I emailed customer services and told them about they neglecting my request or my rights. I still didnt hear back for THAT message until XX/XX/XXXX! And it was only an automatic forwarding email! On XX/XX/XXXX, I mailed a check for XXXX $ with a note EXPLICETELY telling them about their inaction or lack of response to any of my messages. That was partial payment for XXXX, as within my rights. The remainder of XXXX 's mortage I paid by XX/XX/XXXX by check again. I never received a letter from this negligent company! I get robot calls but noone to talk to. Today, XX/XX/2020, I submitted by email the XXXX XXXX payment. TO MY SURPRISE, this irresponsible company has me as NOT PAID for XX/XX/2020! They chashed the checks. I told them in handwriting what the money was for. Also, I have a LATE FEE!! I have all the emails to prove that I did my part, as required, and this scam lender dragged its feet and is YET to give me a response from my initial inquiry from XX/XX/2020.
Consumer complaint received 2020-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Credit Plus Inc (OH)

On XX/XX/2020 I worked with XXXX XXXX  to obtain an application for a loan. The application was online. There was a step in the application that had a checkbox asking for consent to do a hard pull on my credit report. I unchecked the already checked box, logged out of the website and did not proceed to the next step of the application. On XX/XX/2020 I saw that they had submitted my application through Credit Plus, which seems to be a Maryland based company. Upon contacting  them with my dispute, after XXXX XXXX referred me to handle it there, they sent me a letter with my application enclosed stating it was authorized. I have been in contact with XXXX XXXX at Credit Plus but he has stopped responding. There was no consent by me for  this hard pull.
Consumer complaint received 2021-10-26
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)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my accounts and need to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2016-05-16
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (TX)

These Inquiries I did not authorize. i have also contacted these companies and asked for removal and they directed me back to the credit reporting companies to dispute. Some inquires were done on the same day or some companies every other day. I attached one email from a company I asked not to submit my credit to all these different banks and they done it any way. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Auto Financing XXXX Apr XXXX, XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX, XXXX XXXX XXXX All Banks XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Credit Card XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, New XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX All Banks XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX All Banks XXXX Apr XXXX, XXXX XXXX XXXX Personal Loans Cos. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, New XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Miscellaneous Reptg. Agencies XXXX XXXX WE Apr XXXX, XXXX XXXX XXXX All Banks XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Auto Financing
Consumer complaint received 2020-07-27
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: I.C. System, Inc. (PA)

Thank you for taking the time to read the complaint. After reviewing all credit reports IC Systems placed a collection on the credit report from XXXX. I am requesting not a bill, however a signature to validate and possible contract.
Consumer complaint received 2016-09-09
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: SUNTRUST BANKS, INC. (FL)

Hello, I am frequently overseas and use ATMs to withdraw from my US accounts. I monitor sites such as XXXX to find out the going rates and I have often called or written customer service to find out the exact rates being used to convert dollars to euros, for example. Customer service personnel are vague -- they tell me that the bank charges a {$5.00} processing fee and can charge up to XXXX percent more than the going rate, but they wo n't tell me what the rate is. If I press hard on the issue, they invariably send me to the XXXX Global Currency Conversion site XXXX -- which is the PREVIOUS business day 's highest rate, not that day 's rate, and includes this mind-boggling disclaimer : " Please note that due to possible rounding differences, the displayed rates may not precisely reflect the actual rate applied to the transaction amount when converting to the cardholder billing amount. The exchange rate that is applied to a transaction is the exchange rate as of the day of settlement which is the day that XXXX determines the settlement amount to be exchanged between the acquirer and the issuer. The settlement date is therefore typically different from the date of the actual transaction. '' So Number ONE : Can a consumer find out the ACTUAL RATE used for that day? 
Number TWO : Can banks actually post the rate they are using on their site and quit cloaking the matter? 
Number THREE : When I look at my withdrawals using the MC Global Conversion rates for that day or the previous, they still do n't add up correctly. It appears that my bank at least is adding XXXX percent or XXXX percent on to the fee -- in additon to charging their {$5.00} withdrawal fee. Maybe it 's {$4.00} more, maybe {$7.00}, but it never adds up correctly -- and they 're already ripping me off with a bad exchange rate and ATM fees at both ends. ( I have a letter in with my bank now and if they do not answer to my satisfaction, I will file another complaint with details. ) The total effect for consumers such as me is that we 're being forced to buy something without being able to see the price tag -- and the ATM never shows what is going to be withdrawn from my account if conducted in that country 's currency, which is cheaper than converting to dollars at the ATM. 
I find this cryptic, non-transparent behavior regarding access correct foreign exchange frustrating and simply wrong. This is a general complaint -- because ALL the banks I 've used shield the information.
Consumer complaint received 2021-12-01
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)

upon reviewing my personal credit reports, i discover lots of unknow accounts I never opened and are currently in collection with large balances. 
these accounts are opened fraudulently on my name, realized it is the reason why I am being denied credit cards and are receiving higher than normal interest rate etc. when i applied for credit cards loans. 
i was referred to this site by a friend advising i can get help to fix the problem. so im submitting this report in hopes of a positive turn around. please help
Consumer complaint received 2020-07-26
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: JPMORGAN CHASE & CO. (NY)

I went to purchase gas at XXXX using my Chase visa card and I was declined at the terminal. I called Chase and they said it's BJs issue with the terminal. I spoke to the manager at XXXX and he said it is the Chase Card. I called Chase back and they said use another terminal. I tried that and still declined. I had to use another card which worked fine. I have had my banking relationship with Chase for over 30 years. I called Chase back and all they tell me is that my card is fine and it's the merchants fault. I don't know what to do - trust this card or carry two cards with me all times. It took over an hour of my time to get gas when it should have taken 5 minutes
Consumer complaint received 2020-07-26
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: U.S. BANCORP (PA)

I received a US Bank ReliaCard, which is a debit card issued by the government on which they deposit funds for Pennsylvania Pandemic Unemployment Assistance, along with Federal aid. I have been unable to transfer the money on the card to my bank account through their website, although this is one of the options they offer for using the funds. 
I have tried calling the bank, only to be put on hold for hours, and then the call disconnects. I can withdraw funds through an ATM, but then I incur charges for the withdrawal. I have been trying to transfer funds for the past 2 weeks.
Consumer complaint received 2016-11-05
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

Account Resolution Services is claiming that i owe money to their collection agency. I have asked them dozens of times to verify that i owe this invoice but they can not produce an actual invoice or any form of proof that there is any invoices from the company that allegedly hired ARS to collect this money. I have also contacted that company as well and they claim that they do not have any record of my name in their system or any invoices ever due in my name. I have notified ARS of this several dozen times and also sent them a certified letter in regards to this matter, but ARS still refuses to provide any evidence of an invoice. Furhtermore, ARS also failed to comply with SEC.809 ( A ) that states that ARS has to mail me notice of debt within 5 days of initial contact. ARS is refusing to provide evidence or remove this from my credit report.