davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PNC Bank N.A. (NJ)

On or around XX/XX/XXXX I discovered negative reporting information associated with " XXXX/XXXX XXXX XXXX '' on my XXXX, XXXX, and XXXX credit reports. The information reported shows that the loan is in individual account in the amount of {$5000.00} that was opened XX/XX/XXXX with a monthly payment of {$240.00}. Being that I knew nothing about that information or whatever was reported or any knowledge at all of this account, began the dispute process. I advised XXXX/PNC that I have never taken out a private student loan other than the one with XXXX XXXX in law school. Months went by, my dispute went unheeded. Most recently, I began the dispute process again, having seen that nothing had been resolved. I received a notification in XX/XX/XXXX, that the debt had been verified as accurate. I requested copies of any and all documents relied upon in order to make this verification. Over 90 days have past and XXXX/PNC has failed to provide me with any verification of this account or debt, showing that it was me for applied for an received this loan. I have requested over and over for them to remove this negative reporting from my credit report as is continues to remain listed as a derogatory mark, which affects my credit worthiness.
Consumer complaint received 2016-08-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS) (NJ)

This is regarding a reported entry on my Chex system reported that I have disputed on at least 3-4 separate occasions. I received i the mail today a letter from Chex Systems stating that they were not going to remove the reported information from XXXX XXXX XXXX XXXX because it does n't fall within the date that is listed on my credit report. My problem is this same credit union has reported the same information on the same report at least 3 times and they just change the date and the amount. I have disputed this over and over again every since earlier this year. It needs to be removed
Consumer complaint received 2024-10-11
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY (CT)

We purchased just under {$6000.00} in furniture from XXXX financed under their financing program via TD financial services. This allows no-pay for 3 years at a reasonably low interest rate. In the first month, we paid a monthly minimum of {$200.00}. In the second month the totality of the balance, approx XXXX, was withdrawn from our checking account. In XX/XX/XXXX we contacted TD finance with the complaint that we believed this to be in error - either a system error or a portal UI that was confusing or misleading. Why would we finance a purchase and pay it back in the XXXX month. To TDs credit, they agreed to return the money and reinstate the debt balance ( effectively reversing the transaction in full ). They then reinstated the debt, which shows in full in our portal, and are charging interest on it. Weve paid a month of interest and principal ; however, they have NOT returned our payment. Despite numerous calls, at times on hold for 45 minutes, we have not received a check, wire or other reimbursement. TD reps have indicated it should have been received but can provide no tracking number or additional information. We are now in a situation where we are paying interest and principal on a loan that has been paid ( ie the bank is both keeping our money which is sufficient to pay off the loan and charging interest on the loan ). Assuredly this is a bureaucratic issue which I am not unsympathetic to but this needs to be resolved asap.
Consumer complaint received 2024-10-11
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. (MI)

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rightsto privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than Records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall 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 in accurate.

15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b - 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

On XX/XX/XXXX, I sent a letter via Certified Mail, Return Receipt to Experian regarding three issues with my credit report : an entry from " XXXX/XXXX XXXX XXXX  '' ; an entry from " XXXX XXXX XXXX '' and an inquiry from " XXXX '' ( see attached letter and return receipt ). 

While the XXXX XXXX issue was resolved, the XXXX and XXXX issues were not : ( 1 ) The XXXX account is not mine. The collection account previously associated with this account, from XXXX XXXX XXXX, has already been deleted due to their inability to verify the account. 

( 2 ) The XXXX XXXX inquiry was not authorized. My XX/XX/XXXX letter requested proof that this inquiry was lawfully made, such as " a description of the records reviewed. '' Instead, I received a notice dated XX/XX/XXXX indicating that Experian had verified that both items belong to me, with no accompanying proof.
Consumer complaint received 2018-04-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

I got divorced XX/XX/XXXX as part of the mediation I was awarded the house. I was to refinance the house and my ex-wife was to receive XXXX  dollars upon new mortgage. She signed a quick claim deed and waved all rights to the home. In the refinance I was to pay off the old loan which I did so her name is off and the new loan only in my name.

I closed on the new loan with 3rd federal on XX/XX/XXXX. The old loan was paid off within a couple of days and I was sent a escrow check with My name as well as my ex-wife name on it. I called up to complain since I have no idea were she is and no one that we new has heard from her.

They said they would re issue the check only in my name. Another month went by and I got another check made out in both our names. So I called back and asked to speak to a manger. They told me they would reissue the check only in my name. I didn't receive a check so I called again and they told me the check was sent out and was in both our names again. So I asked to speak to the manager. They told me the check wasn't sent out.

Now they connected me to another supervisor and they said if I sent in my mediation papers plus the signed order from the judge and the quick claim deed they would issue the check only in my name. So I did that that the week of the XX/XX/XXXX.

I called today XX/XX/XXXX to verify the status of my check and they gave me the same story that it could only be issued in my name.

I have no way to get in touch with my ex so they told me to reach out to her family. Well her family consist of her XXXX  year old mother in XXXX who does not speak English and I have no phone number. So basically they will just attempt to keep my escrow.

All the money in the escrow account was my money. My wife left in XX/XX/XXXX she did not pay one penny into the account in which the mortgage payment was paid out to loancare.

Also when they had XXXX of my money they did not pay my flood insurance on time and my homeowners insurance on time so both were canceled for non payment. They also dragged the heels on paying the taxes until I called up. All the time sitting on my money that I paid in.
Consumer complaint received 2018-04-28
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: GREAT LAKES (AZ)

My name is XXXX XXXX POA of XXXX XXXX. He took first out this student loan and 6 weeks before graduation was given an ultimatum to leave the school due to his personal issues outside of school so he did not get to finish school or graduate this was in the late XX/XX/XXXX. 
His loan is with ( Great Lakes ) and I have spoke many times regarding payments and the situation in our financial situation when speaking with Great Lakes they gave me a 60 forbarence and removed any payments due. 
Suddenly they drafted my account {$170.00} and with drew their promise as well as raise the payments way from what we can afford. 
I was trying to pay {$44.00} at this time and current am going through XXXX treatments I am his wife XXXX. 
XXXX has lost hours at work with no 40 hour weeks our rent as well increased substantially I have sent a new IDR with all attached over the internet in Great Lakes web sight continually they are sending my emails regarding filing out this application And payment but this was in a forbarence at the time with no update to the change all of this happened suddenly I feel that this student loan first is out of XXXX statutes as well as XXXX not being able to finish his education the constant calls to Great Lakes to resolve this and tell them we cant make payments at this time. We are trying to avoid a garnishment but Great Lakes is not upstanding and follows through after making arrangements. 
I need someone to now intercede and help me first with harassing emails Will not communicate on phone threatening. This is unacceptable, There are many issues reviving this student loan and I would like to take action on getting justice for Great Lakes harassment and the student loan it self should be null and void my reason is the age of loan the reasons XXXX hadnt finished his education financial hardships And at time he was told to leave school he was jailed due to a felony and then in about patient program issued by the courts he has XXXX as he is XXXX   and XXXX and is working but not equipped to challenge this any longer
Consumer complaint received 2018-04-27
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

I have filed dispute with Chase regarding about HELOC mortgage last month. I have tried to call them to resolve issue but they keep saying has no information. They mailed me letter saying that they charged off mortgage in XX/XX/2009. Over 9 years, they never sent me any information and I cant believe that how good they are : (. I filed bankruptcy and want to sell my house through the bankruptcy but it was so hard with Chase and they dont give any information and now time consuming and I want to know why they charged off and I paid for tax cancellation long time ago and they still asked me to pay and not release mortgage. They are confusing me. All I want they need to let me know what they want to do. They were cheating while they gave me HELOC loan even though during that time I did not have job or cant pay it and they still give me loan and end of I cant pay
Consumer complaint received 2018-06-02
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Commonwealth Financial Systems, Inc. (GA)

Collection agency is attempting to collect on a debt that has reached statue of limitations. The medical account became delinquent as of XX/XX/2011. The statue of limitations for my current state of residence, XXXX  and previous state of residence, XXXX  is six years. I have requested not to be contacted and the collection agency continues to do such.
Consumer complaint received 2018-06-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

A credit card account for a XXXX $ balance was opened outside my residential/work state under my name with XXXX XXXX XXXX XXXX on XX/XX/XXXX re acct:XXXX. 

I found out about the incident on Q4 XX/XX/XXXX and contacted the XXXX XXXX XXXX fraud support line to report the incident. Representatives refused to provide any information regarding the account despite requesting my full name and ssn. I advised them that account was not opened by me and was a result of a stolen identity. They claimed they would take care of it, wrote down my actual verifiable physical address and sent me an affidavit to sign. I signed and returned, and provided an identity theft report reference # XXXX. 

I later received a call from XXXX XXXX claiming my account had been sent to collection and that I was required to pay the full amount or would be subject to legal prosecution. I notified XXXX of the situation that occurred with XXXX XXXX XXXX   and requested they reach back to the Bank and rectify the situation as well as send me all pertinent information. 

I didn't hear back from them until a collector from XXXX XXXX XXXX in XX/XX/XXXX. The stated this account had gone to collections on behalf of XXXX and I advised them of the ID theft report and requested they investigate and resolve the account. 

Once again this case resurges with a summons to appear at a pretrial conference regarding the alleged debt, which should have been resolve and removed from my credit report already.
Consumer complaint received 2018-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

VIOLATION OF MY CONUMER RIGHTS .... 
TAX LIEN ON MY CREDIT REPORT ... .... PUBLIC RECORD I received a bill from XXXX XXXX XXXX VIA XXXX XXXX XXXX XXXX FOR UTILITY BILL FROM PERIODS OF XX/XX/15 - XX/XX/2015. TO SUMMARIZE THIS I WAS NO LONGER LIVING AT THIS LOCATION REQUESTED DISCONNECTION BEFORE MOVING AND SIGNED A NEW LEASE ON XX/XX/2015. THIS HAS REALLY HURT MY CREDIT AS WELL POSTED A NEGATIVE PUBLIC RECORD ON MY CONSUMER PROFILE. MY IDENTITY HAS BEEN SOLD TO A THIRD PARTY COLLECTION AGENCY TO WHOM I HAVE NEVER HAD A CONTRACT WITH AND DIDNT AUTHORIZED THEM TO HAVE MY PERSONAL INFORMATION OR TO REPORT ANY FALSE INACCURACIES AGAINST ME. AS A CONSUMER MY RIGHTS HAVE BEEN VIOLATED UNDER THE FAIR CREDIT REPORTING ACT. I HAVE ENCLOSED MY LEASE DATING BACK TO XX/XX/2015 WHICH PROVES THIS BILL IS NOT MINE. I AM BEING DENIED CREDIT
Consumer complaint received 2018-06-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: JPMORGAN CHASE & CO. (AZ)

Phone calls started just 5 days after missed payment of XX/XX/XXXX. I requested not to be called, and stated I would set up a payment online. I have set up a payment online that includes XX/XX/XXXX of {$74.00}, and XXXX 's XXXX payment. My payment is set up for XX/XX/XXXX. I requested verbally on the phone to stop calling, and I sent an e-mail through the correspondence option on the Chase site not to be called. The calls are still ongoing, and they are repeated, calling every hour, every single day. I've also explained that it is causing XXXX XXXX and XXXX, and they refuse to stop the calls.
Consumer complaint received 2018-06-02
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: Experian Information Solutions Inc. (AZ)

Well first I had a fraud alert on my account which should of disallowed anyone to access my report without my explicit permission. Well that didn't work and when I went to buy a car the dealership repeatedly applied to all these different companies without my permission. No one came to me and said, ok the first inquiry didn't go through may we try the next? They ran it over and over again without my permission until they got a company that would fund me. I want all of these hard inquiries removed from my account, I tried removing them using my credit reporting agency but I was told that the company had to remove it and most of them dont have an address. Please remove the following hard inquiries from my report that all occurred on XX/XX/2018. Thank you XXXX => - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | XXXX => -  XXXX | Experian => - XXXX XXXX
Consumer complaint received 2018-04-29
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I have sent Portfolio Recovery 11 validation of debt letters, dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.  Portfolio Recovery refuses to comply with my validation of debt requests. Instead of complying with my validation of debt requests and sending the documents that I have requested in my validation of debt letters, Portfolio Recovery sends the same computerized letters to me in the mail. Portfolio Recovery is reporting false information to the credit reporting agencies, since they refuse to send the documents that I have requested in my validation of debt letters to validate the debt claimed owed. I sent a cease of communication letter to Portfolio Recovery on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Portfolio Recovery continues to send letters to me everyday, after I have asked 11 times for them to stop contacting me by mail. I have received 4-5 letters from Portfolio Recovery every day, since I sent my first cease of communication letter to Portfolio Recovery on XX/XX/XXXX. I have copies of all validation of debt letters, email and written correspondences and cease of correspondence letters sent to Portfolio Recovery, as evidence. All evidence will be sent in the mail to the Consumer Financial Protection Bureau. The continuous harassment by Portfolio Recovery has caused me emotional distress.
Consumer complaint received 2018-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America is discriminating against businesses and individuals involved with the legal purchase/sale/use of firearms/guns. They do this by increasing the interest rates and down payment requirements for those involved with Second Amendment lawful business activities. The Bank uses personally identifiable information ( PII ) to monitor and deny financial services to individuals and companies who are engaging in completely legal. This is inappropriate use of their considerable size and financial influence.

I must point out that the US government bailed our Bank of America during the financial crisis, of which BoA was a major cause. They have used the bailout from the taxpayers to pay their executives higher bonuses.
Consumer complaint received 2018-04-29
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: CITIZENS FINANCIAL GROUP, INC. (FL)

I turned XXXX and I had no credit I was purchased a vechile through a authorized dealer and they ran my credit multiple times knowing I had no credit I was a co under my mother
Consumer complaint received 2018-06-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY (PA)

My son past away XX/XX/16, his wallet which contained his bank card and bank account number was stolen from me while I was in hospital to see him. ( Police report filed ) A family member and an XXXX XXXX falsified his death certificate and used falsified death certificate to go into the TD Bank, Branch # XXXX, XXXX XXXX  XXXX XXXX, XXXX, PA XXXX and took out over {$3800.00} of funds and closed his account. This undocumented immigrant was not authorized to take this money. Person was not listed on account or listed as a beneficiary. Person was on parole and the time and still on parole. Vice President XXXX XXXX, Vice President is trying to cover fraud since she is involved with this undocumented immigrant and another business member of the community. The end result the other business member of the community received money he/she was not entitled too, as well as this undocumented immigrant who doesn't have proper identification to cash a check. ( Police reports filed ). I am the administrator of my son 's estate and I demand an investigation, return of funds. My son has outstanding funeral bills. I want these individuals prosecuted for this fraud. The law states you do not steal from the deceased without the proper probate paperwork. I spent one year legally to prove death certificate was falsified and thus it was amended.