davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-25
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A. (NJ)

I tried to get a VA home loan through PNC bank, I was told to go outside my branch to XXXX NJ and got XXXX XXXX, he was unhelpful and did assist me what so ever, so I filed a complaint with the escalations team and was assigned a national loan officer XXXX XXXX via email, i was pre approved and asked for a letter for a certain amount that was to be my offer, she sends the FULL amount I was approved for, which is not what I asked for, she says to me that i can use that just not pay that for the home!? this is loan 101 no no, I told her she was wrong and I want the letter I asked for, she sends me this child like word doc with PNC n her name typed with the loan amount, that loked so fake and unprofessional, I told her this and she argued it doesnt matter, I said it does, she refused to get me the color copy which is the official pnc one, but i sent to the realtors and of course I was laughed at and it XXXX off the seller as they thought it was fake too! I file another complaint, then was assigned XXXX XXXX, who told me he likes Vets and will help me! he sent some stuff I needed but then when I asked questions he REFUSED to answer, REFUSED to email me back, then later REFUSED to call me back!! he also aprroved me for XXXX, he DID have the address and the tax info and my INCOME info, he said proceed with the sale, i was at inspection phase and he sends me a letter for XXXX, but wont cal me or email me why. I filed another complaint and got XXXX XXXX his boss, he took over, then REFUSED to answer questions i had on the loan and ones asked by the realtors, I asked ovr n ovr and was ignored over n over! I filed many more complaints via the escalations team, and neither XXXX nor XXXX would reply to me n answer questions. I then was MAILED an approval letter for XXXX?!!? WHY?!?! NO explaination, no call no email, yet was told to buy the house! I filed another complaint, it went nowhere and I was told they dont have to answer questions! I then got another executive manager to look into this, she tried but came back with lies and no answers. all she did was tell me the lies that the loan officers told me! she said they said they didnt have the address or tax or income info which was a lIE as i never asked for the loan without providing that info as that was the ONLY home I bid on! I told her this and she got snippy and still never got me the naswer why my approval went down that HUGE amount! on top of the super unprofessional behavior of pnc mortgage team. I reached out to my branch for help and they refused to help too. this was XXXX - XX/XX/2020. I have many emails asking for HELP on this matter.
Consumer complaint received 2021-10-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (TX)

Our small business checking account through BBVA was acquired by PNC. PNC refuses access to online statements prior to XX/XX/21. The nearest branch stated that statements can be mailed for a fee of {$15.00} per statement and that online access to statements from BBVA are no longer available.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NJ)

XX/XX/XXXX late payment XX/XX/XXXX XX/XX/XXXX. 

Removing hard inquiries on my credit. 
Removing old addresses
Consumer complaint received 2024-08-06
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: Experian Information Solutions Inc. (AL)

This company has outdated systems that misinform the consumer of what their account balances actually are as well as kick payments back with no reason why. Ive gone into the bank on serval occasions to be told someone would contact me and no one never will. Ive looked online and this is an ongoing problem with this institution.This banks makes it next to impossible to service accounts within their bank. I have all these improprieties documented. 
1. When you login to pay your bill the companys system states no payment is due making you think its already been paid in hopes of collecting late fees.

2.You schedule auto pay and get a confirmation page stating its confirmed the company doesnt take the auto pay out. Ive made 3 payments in one month because of this companies lack of up to date abilities.

3. This may not be illegal but it is certainly not good customer service. When you setup autopay You are only able to pay the minimum payment or the entire balance payoff. This is a reckless banking institution and because of their callous actions my credit has been ruined for a {$10.00} payment they said was already paid. And failed to correct the problem after they were informed of it.
Consumer complaint received 2024-08-06
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. (PR)

Remove the following account because the payment history reflects continued reporting a charge off after this account was closed. This represent an improper use of my credit report and this is detrimental for me and my family. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

XXXX USC XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2021-12-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (OR)

I have been repeatedly charged late fees erroneously by my mortgage company, Flagstar Bank. I have made every single payment on time since my mortgage was transferred to Flagstar at the beginning of XXXX. I have documentation to prove my payments have all been on time. I attach autopay records from my bank. I have tried contacting Flagstar to resolve this issue to no avail. 

On XX/XX/XXXX I spoke to XXXX at Flagstar and was told the late fees were not my fault. XXXX informed me that an internal audit caught the error and was in the process of being corrected. XXXX told me that my prior loan servicer, XXXX, had transferred inaccurate records to Flagstar indicating I owed money on my account, but that an internal audit at Flagstar showed that the account was current and no funds were owed. XXXX told me that there was an internal audit process underway at Flagstar that would take approximately a week to resolve/clean up my account. 

On XX/XX/XXXX I noticed that my account is still showing late fees. I re-contacted Flagstar to resolve. I spoke to XXXX who indicated she could not address the problem and that she would contact an " escalation specialist '' and my account was noted as priority ( Case # XXXX ). Flagstar would contact me in XXXX days to confirm resolution. 

I then received a notice by mail dated XX/XX/XXXX stating that Flagstar reviewed my request to waive the late fees but that after careful consideration we regret we are unable to honor your request. There was no explanation. 

I reiterate, I have NEVER made a late payment to Flagstar. I pay my bills on time and have an exceptional credit score. 

There is perhaps an explanation that the funds/records were inaccurately transferred to Flagstar by XXXX at the end of XXXX, who was also erroneously charging me late fees. I had been trying to pay half my mortgage payment every XXXX weeks ( to ultimately pay MORE than was due ) ; XXXX had been inaccurately processing these payments and charging late fees. This was resolved in a call to XXXX on XX/XX/XXXX when I spoke to XXXX, who received managerial approval to waive late fees due to this error. The mortgage was subsequently transferred to Flagstar at the end of XXXX. 

I reiterate I have NEVER paid my mortgage late to either company. I have attached all banking records to reflect accurate, ON TIME payments. I respectfully request that Flagstar correct its error and confirm my account is paid in full and stop charging late fees.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-08-06
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. (SC)

In accordance with the Fair Credit Reporting act XXXX Account name XXXX XXXX XXXX, Account # XXXX, has violated my rights. 
15 U.S. C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2018-04-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A. (OR)

I have been trying to modify my loan since my divorce. I began the process in XX/XX/2011. I am nearly 7 years into this process. I have filed thousands of pages of requested documents. I have averted many sale dates. Citimortgage has never officially denied my modification. The file simply gets closed just prior to the sale date. I have over $ 1m in cash and an income that can easily make the modified monthly payment. They have consistently violated dual tracking laws, requested new docs within a week of the sale date, lost documents then admitted they werent actually lost, etc. etc.
Consumer complaint received 2024-08-06
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: Experian Information Solutions Inc. (CA)

In XXXX, my loan car was involved in an accident, and the insurance company admitted that the car was a total loss .Due to poor communication between the bank and the insurance company, I received a late payment notice despite being assured that everything was fine and that I did not need to worry. I later discovered that the bank had returned the check to the insurance company for the loss. Despite this occurrence, I was not promptly notified of the issue until the payment deadline had passed. Moreover, during this time I was in the XXXX doing basic training and wasn't able to stay in touch every day. I pay all my bills on time and have never had any issues with any bank. 

Account XXXX XXXX
Consumer complaint received 2018-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC. (MI)

On XX/XX/XXXX I sent a certified letter to Exeter requesting proof of " written authorization '' by me with my signature to pull my credit. Exeter only responded I submitted an application for credit on XX/XX/XXXX, however failed to produce said signed application as requested. Thus I am assuming they have to such documentation and do not have written authorization from me to themselves to run my credit and are in violation of the FCRA by failing to do so. According to section 604 permissible purposes are : Firm offer of credit, insurance, employment and court order. Section 604 also states the consumer MUST give " written instructions ''. I have attached an FTC advisory opinion ( below ) which interprets Section 604 of the FCRA on what is both permissible and considered " written instruction ''. According to this FTC advisory opinion Exeter is in direct violation of Section 604 of the FCRA. I again request that the UNAUTHORIZED inquires be removed from my credit report or be provided proof I have given " written instructions ' to pull my credit. By providing me a copy the alleged application on XX/XX/XXXX. https : //www.ftc.gov/XXXX
Consumer complaint received 2018-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (MD)

I have been approved into the Service member Civil Relief Act program in XX/XX/2017. Since the time of my approval has not updated my account to reflect my new percentage rate or adjust how much I owe. They also have not been reporting to the credit bureaus properly. I have called them several times and each time they have said that they were going to correct it and get back to me ; but they have not.
Consumer complaint received 2024-08-06
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. (GA)

I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report. 

Please verify or remove immediately the following accounts : XXXX XXXX XXXX # XXXX Balance {$120.00} Open XX/XX/year> I dont recognize this lender and account. 

Under the Doctrine of ESTOPPEL V GRAVENS ( MO ) 281SW 715, 719, I May Presume THAT no Proof of the ALLEGED DEBT, Nor Therefore ANY SUCH DEBT, In FACT EXISTS Please remove this inaccurate information from my credit report.
Consumer complaint received 2024-08-06
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. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future XXXX.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My account with was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports 8
Consumer complaint received 2018-04-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

This is to notify you that I contacted the following inquiry creditor for proof of authorization to pull my credit. I do not recall placing an application with such creditor, nor do I agree to having had my credit pulled by such creditor. I reached out to the creditor who placed the inquiry and requested they remove the credit inquiry from my credit profile. They have responded and does NOT have information or records in their files for an inquiry or credit application to be place on my credit report. I demand these inquiries be removed from my credit file at once : 1 ) XXXX XXXX XX/XX/16 I am enclosing a copy of the letter mailed certified to the inquiring creditor, along with their response stating they do NOT have records of my inquiry. With that said, I expect you to take this matter up and remove the credit inquiries from my credit file today or you will be in violation of the FCRA for reporting inaccurate and unverifiable information on my credit file. Thank you for your cooperation.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-06
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: Experian Information Solutions Inc. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-12-10
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

I am distressed that you have included XXXX EQUIFAX information in my credit profile on XX/XX/XXXX and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

Under the Federal law : I respectfully sent in notarized and certified letters on XXXX, XXXX and still no response. Also, please add a promotional suppression to my credit file. 


Thank you,
Consumer complaint received 2022-10-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FlexShopper, Inc (GA)

On XX/XX/XXXX I settled a debt with a 3rd party company ( XXXX and XXXX XXXX ) for money I owed to FlexShopper. It was done. Completely settled. Several times this year between XX/XX/XXXX and now I have gotten numerous phone calls and even text messages stating I owe them MORE than the original amount and that I never paid a settlement. I have emailed my letter of payment and spoken to a lot of different workers. I have begged them to update their system and to leave me alone. Today, XX/XX/XXXX I got another text about the debt and once more its more money than I owed. When the debt was settled I originally owed {$500.00}, now they claim I owe {$540.00}. I paid this in settlement and I need them to go away and leave me alone. No one seems to want to listen to me at FlexShopper, even after emailing proof and calling the 3rd party company, so maybe this will work.