davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DISCOVER BANK (NY)

I have a discover credit card. I got an email from discover saying consolidate debt with low interest rate. I clicked the button to investigate the offer. I entered some info next thing I knew they ran my credit. Ok fine. Then after going through the process I got an email from discover home loans. I was confused. Turns out they werent offering me debt consolidation but rather a home equity loan. I did not want and would not have applied for a heloc. When I went back to the original email I noticed in big bold letters it mentioned low rates and consolidating and in small letters it mentioned tap home equity. I then also noticed that at the bottom Of the email it said the email was about my credit card ending in the last 4 digits. I feel discovers marketing team set up their email to be deceptive pretending this was just a regular loan when in fact they were planning to attach themselves to my home which i co own with my partner. I think they should be more up front and should send emails even introductory emails from discover home loans not under the disguise of my credit card. They purposely aimed to deceive me into applying for what I thought was a regular loan. Then when I emailed them to withdraw the application they didnt and continued to email me to give them more info for my application. I then had to speak to two people to get them to cancel the loan. I shouldnt have to ask twice.
Consumer complaint received 2024-08-22
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: EQUIFAX, INC. (NY)

VALIDATION AND CEASE AND DESIST XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX MA XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Dear XXXX XXXX XXXX XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information The name and address of the original creditor and the current creditor.

1. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
2. Full complete and correct social security number to help identify me as the correct person you are trying to collect from 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2022-06-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (FL)

My name is XXXX XXXX. I opened an account at BBVA bank which was subsequently acquired by PNC Bank. On XX/XX/2021, payment of {$3100.00} for work performed for one of my clients was deposited in my account ( account # XXXX ). On XX/XX/2021, PNC removed the funds from my account. I subsequently received a notice dated XX/XX/2021, indicating that my account had been closed. 
Subsequent discussions with PNC personnel were an exercise in frustration since they would not return my funds nor provide an explanation why they refused to do so. After approximately XXXX hours of talking to multiple employees at the branch and other locations I was referred to, I received a cashiers check for the amount belonging to me. I deposited the cashiers check in my account at XXXX XXXX XXXX  and quickly learned that they placed a stop payment on the cashiers check. 
I have not received my funds and PNC personnel continue to be unresponsive on why my hard-earned funds are not being returned. Accordingly, your assistance on this matter would be appreciated. 
Attached are copies of the PNC account statement reflecting the removal of the funds from my account, the notice that my account was closed, and the statement from XXXX XXXX XXXX indicating the reversal of my deposit due to the PNC stop payment on their cashiers check.. 
Thank You for your assistance.
Consumer complaint received 2022-06-03
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. (CA)

Entered into a forbearance around XXXX 2022 and agreed to due a deferral with first payment due XX/XX/XXXX. 

Made the XX/XX/XXXX payment EARLY on XX/XX/XXXX for {$1500.00} by phone to be applied to the XX/XX/XXXX payment. 

XXXX DID NOT UPDATE the website address for payment of XX/XX/XXXX, so I paid again, a second full mortgage payment on XX/XX/XXXX I paid twice because I was terrified I would be reported late, even though they received the payment on XX/XX/XXXX that was due XXXX. 

I learned on XX/XX/XXXX, my XXXX FICO score had dropped from XXXX to XXXX because XXXX reported 60 days late in XXXX. They are reporting 60 days past due on ALL 3 CRA 's - Equifax, XXXX, and XXXX killing my credit and financially ruining me. I was in a forbearance program, called XXXX three or four time to ensure this would not happen and verified my first payment due was XX/XX/XXXX with the deferral program. Despite paying twice and being in a forbearance program, XXXX reported 60 days late twice for XXXX. 

I was rejected solar financing for a loan due to a XXXX credit score. The solar loan would cost me $ XXXX instead of paying {$320.00} for electric bill. I am also in jeopardy of having my credit cards closed due to XXXX reporting 60 days late in XXXX. 

XXXX has ruined my credit and finances with their erroneous financial reporting to the CRA 's. They are also jeopardizing my finance with wrong statements made and requests asking me to make a XX/XX/XXXX payment they already received in XXXX. The next payment due should be XX/XX/XXXX, as they have received two payments since XXXX to XX/XX/XXXX, with the first payment due XX/XX/XXXX. 

Please help - forbearance under COVID was not to be reported late, yet XXXX reported 60 days late to each of the CRA 's, double billed me for the first payment due XXXX and has devastated my finances.
Consumer complaint received 2018-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: VW Credit, Inc (TN)

VW Credit account XXXX The payments on this account have been reported and changed over and over. It had showed payments on time after disputed and then it changed again to show negative payment history. The reporting has been inconsistent over the several months that I have been trying to get in corrected. Each time VW Credit says the account has been verified. Clearly it is unverified because the payment history changes every month and is being reported differently to XXXX, XXXX, XXXX, and XXXX.These errors are negatively affecting my credit score, my ability to obtain credit, and my reputation. VW Credit has had more than enough time to correct or delete this information. According to the FCRA they continue and knowingly are in violation and can be held accountable for actual and punitive damages. 

I have asked the creditor to provide physical proof and verification of the payment history on numerous occasions and they have failed to verify this information but continue to report it inconstantly to the credit bureaus. It obliviously cant be correct and verified when it keeps changing and is not being reported the same to all bureaus. 

The last payment that they are reporting was made from XXXX XXXX on a payoff. It was based on a 10 day payoff and was submitted in plenty of time to be on time and should not be showing late. 

I demand that these specific and unverified information be corrected immediately!
Consumer complaint received 2024-10-11
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: EQUIFAX, INC. (MA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2018-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

Had about XXXX  personal credit cards, 4 were Chase personal credit cards. Applied for the Chase Hyatt credit card on XX/XX/18. Without any warning, all my chase credit cards were shut down a few days after. This is immediately right after I paid the {$450.00} annual fee on my Chase Sapphire Reserve card ; Chase reps stated my refund would be eventually refunded. All of the spend on Chase CCs was organic spend. Called Chase, but got moved around from rep to rep. Finally, was able to submit an appeal for my shutdown ... will hear back in 7-10 business days.
Consumer complaint received 2017-10-30
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (PA)

I have requested from Wells Fargo by Registered Mail proof Of Notice of Default and Notice of Trustee Sale and where it was mail. I never received any of the  following. 

I also requested by Registered Mail before my home went into Foreclosure Proof of the Series bonds back and front. I was talking to some one for weeks about the situation and they was telling me over and over every day for over a month they was getting the information requested. I was calling at least 5 times a day according to my phone records of both my Cell phone carries. It was some weeks over 60 calls.
I spoke to the same man about the situation and I was getting the run around for what I had requested.
Wells Fargo had my address update and sent me a letter stating that they had on file to mail all important mail so why is it I never got a Notice of default or notice of sale.
I also have other issues to my loan documents that I have when I first closed was not all sign and I have all the papers that was giving to me and it 's like 24 sign lines not sign by me left blank. I have discuss this with some one some where else to this situation as well. Wells Fargo has yet to explain all these issues I have a lot of Registered Mail to them going back to these issues at hand about all these issues.
Nothing but the run around or they mail things you do n't ask for and a bunch of papers that have nothing to do with what you ask for.
talk to the office manager in XXXX about how the association would not let me in at my own property. that issue went own I was paying the payment and could not even get in I was told Wells Fargo did not answer the notice that was sent to them. I call and they kept sending me around in a circle about that issue I was told by the manager at the XXXX office I was still the owner it was one lie after another with Wells Fargo My next issue was with the IRS tax lien on the property and it was for {$34000.00} on the property and I was told you can not remove a tax lien by the IRS once place on it.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX 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 2017-10-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Stephen L. Bruce, P.C. (OK)

I was involved in a car accident in XXXX of XXXX in which I suffered a XXXX XXXX Injury ( XXXX ). I had been reported to a collection agency in Oklahoma ( Stephen L. Bruce XXXX XXXX ) who refuses to follow the law. This company ignores the rights I have under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I have sent multiple letters exercising my rights to ask for 1 ) dare of first delinquency and also when I missed my my first payment. 2 ) Statute of limitations may not validate the debt. 3 ) Copy of the original signed agreement and balance on the account from zero to present. 4 ) What is the account number of alleged debt? 5 ) When was the last payment made o this debt? 6 ) What was the credit limit of this account? 7 ) XXXX XXXX XXXX XXXX are trying to collect the wrong amount. 8 ) XXXX XXXX XXXX XXXX are asking me to pay more than what is owed. 9 ) XXXX XXXX and XXXX are trying to collect a debt that is not valid. 10 ) XXXX XXXX XXXX XXXX have not accurately verified & validated the debt. 11 ) XXXX XXXX XXXX XXXX information concerning this debt is inaccurate and must not be reported to the CRAs. In good faith I have offered an olive branch to XXXX XXXX XXXX XXXX to settle the debt because I have documentation of everything from my near fatal accident, medical history and official papers explaining how I am currently dealing with this stressful situations. I 've given official statements and paperwork from my neurologist to behavioral counselors and have expressed to this company ( XXXX XXXX XXXX XXXX ) that at the time of this application ( XXXX XXXX ) was being rendered that I was mentally impaired, incompetent and incapacitated. I continue to have difficulties and suffer from severe headaches, panic attacks and have also survived a suicide attempt. I have told XXXX XXXX XXXX XXXX that I have exhausted all of my time and energy asking them to leave me alone and to give me room to breathe so that I may be a productive citizen with the remaining time of my life.
Consumer complaint received 2023-05-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I noticed damages on my report. According to the 15 U.S.C1681 law, there should not be any damages to my report. This is a deformation to my character.
Consumer complaint received 2017-10-28
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: EQUIFAX, INC. (NC)

On XXXX XXXX, 2017, I mailed a letter to Equifax demanding all documentation regarding a collection account on my file with their agency, pursuant to 609 [ 15 U.S.C 1681g ], and clearly stated in my communication that this was not a dispute, but a written request for information in my file. Equifax processed this matter as a dispute, failing to provide the requested information. Even though I view this as nothing more than a stall tactic by the company, Equifax is in willful non-compliance with the Fair Credit Reporting Act. I have attached a copy of the original communication for information purposes. This account should be removed from my file immediately upon receipt of this complaint.
Consumer complaint received 2018-12-06
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. (CA)

I am writing to request a correction of the following information that appears on my credit report. 
I am a victim of identity theft and I write to dispute certain information in my file resulting from the ID Theft. 
I have attached the items I dispute on my credit report. The items I am disputing do not relate to any transactions that I made or authorized. 
Please carefully review and remove or correct this information at the earliest possible time. 
Enclosures -Copy of the FTC Identity Theft Affidavit -Copy of the Social Security Number -Copy of the Driver License -Copy of the Utility Bill
Consumer complaint received 2018-12-06
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Io, Inc. (VA)

Collection company have not sent anything in writing. This company is trying to collect a debt that is not owed, there was a billing error that was never corrected. The collection company said they was going to send information after they do an investigation. No information sent to me but they updated my credit report. 
Trying to contact them via mail no response. I have not contacted them by phone because they want me to confirm I owe the debt. They could never break down the charges and verify if the charges was accurate or if there was an error in billing. 


XXXX Date submitted to CFPB : XX/XX/2018 Date sent to company : XX/XX/2018 Product : Debt collection Issue : Attempts to collect debt not owed
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (FL)

I am disputing inaccuracies in the payment summary and account balances reported by Barclays Bank on two accounts, XXXX and XXXX. 

The payment history incorrectly indicates discrepancies in late payments. 
The reported balance does not match my records. 
I have contacted Barclays to investigate and request the removal of the account if inaccuracies are confirmed. I seek your assistance in resolving this matter.
Consumer complaint received 2020-04-07
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. (OH)

XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX XXXX : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX