davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A. (PA)

On XXXX on XXXX I spoke with a XXXX XXXX and was going to purchase a XXXX he seemed extremely sincere genuine legitimate. I was gon na pay through XXXX and he refunded that as there wouldve been a hold and then XXXX XXXX there was a limit and XXXX XXXX but I didnt know how to use that so we went through XXXX which I never used before and I thought it was safe and through my bank but its not and I lost XXXX I asked my bank to dispute lastnight PNC before it went through the said they couldnt stop it that I would have to call back to get my dispute and money returned and today they said there wasnt anything they could dispute and said it was my fault basically and to file a police report but I havent been able to reach anyone but left several Voicemails Ive tried contacting XXXX they cant help Ive contacted or attempted to contact XXXX XXXX as well as the seller on every avenue I could email, phone, text, social media. He stole my money that I paid Im good faith thinking I was protected by XXXX and my bank how can this be allowed
Consumer complaint received 2020-11-13
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. (TX)

I am filing this complaint because Equifax, XXXX XXXX, XXXX XXXX XXXX, and XXXX  XXXX/XXXX/XXXX  XXXX  has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts that I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " .. promptly delete all information which can not be verified. '' that I have disputed on numerous occasions, Please resolve this matter as soon as possible. Thank you!
Consumer complaint received 2020-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CBC Companies, Inc. (MN)

Innovis informed me previously by U.S. mail that they deleted the following fraudulent accounts from my consumer report : XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX/XXXX XXXX # XXXX. The fraudulent accounts are still listed on my Innovis Consumer Report. Furthermore, I requested for Innovis to Opt In for me to receive pre-approval offers for credit in the mail, and Innovis still have Opt Out on my consumer report. Innovis is in complete violation of the Fair Credit Reporting Act ( FCRA ) under federal law. Innovis is continuing to violate the Fair Credit Reporting Act.
Consumer complaint received 2020-11-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC (NC)

On XX/XX/2019 a loan was processed in the amount of {$1200.00}. The APR was 437.08 % finance charge in the amount of {$3700.00}. The total amount owing was {$4900.00}. The installments were {$410.00} each month beginning on XX/XX/19.I was struggling with my payments each month because half of my finances went toward paying on my debt each month. Therefore, I contacted the lender in hopes that we could renegotiate the contract so that perhaps I may get a reasonable installment plan that I could make good on, but they would not consider adjusting my payments. They informed me that the contract could not be changed and it stands such as it is.
Consumer complaint received 2020-11-09
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. (OH)

This account is inaccurate. The Balance is not correct and the payment is not correct and the balance history is different on the XXXX, Equifax and XXXX. Please Delete per the FRCA 611. 

XXXX XXXX XXXX # XXXX
Consumer complaint received 2019-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BB&T CORPORATION (GA)

Dear Consumer Financial Protection Bureau, CFPB : 1. BB & T OWES ME {$1800.00}, ALL BB & T ACCOUNTS CLOSED WITH {$0.00} ( XXXX ) BALANCE. I DO NOT OWE BB & T AND BB & T TRIED TO EMBEZZLE ( STEAL ) {$720.00}. BB & T BANK IS SENDING HARASSING LETTERS TO MY HOME ADDRESS AFTER I HAVE INSTRUCT THEIR XXXX COMPLIANCE GROUP MANAGER VICE PRESIDENT, XXXX XXXX AND SPECIFIC OTHERS TO NOT CONTACT ME. MR. XXXX XXXX XXXX CAN CONTACT ME AND ONLY THROUGH CFPB BUREAU. 2.  XXXX  XXXX XXXX, XXXX, IS FALSELY REPORTING I OWE THEM {$2000.00} WHEN I DO NOT. I DEPOSITED A VALID CASHIERS CHECK IN THE AMOUNT OF {$690.00}, AND I WITHDREW AND MADE PAYMENTS TOTALLING {$690.00}. I DO NOT OWE THEM. ALL XXXX XXXX XXXX, XXXX, NEED TO REFLECT {$0.00} ( XXXX BALANCE ), ALL ACCOUNTS CLOSED. 3. XXXX XXXX IS FALSELY REPORTING I OWE THEM {$34.00}. I DO NOT OWE XXXX. I MADE A DEPOSIT OF A VALID CASHIERS CHECK IN THE AMOUNT OF {$34.00}. XXXX IS REFUSING TO CLOSE MY XXXX  ACCOUNT THAT I TOLD THEIR XXXX I DO NOT NEED NOR WANT. Dear bb & t bank XXXX Mr. XXXX XXXX XXXX : Please do not have your employee, compliance group manager vice president, XXXX XXXX contact me again. I received a third letter from her after requesting she stop contacting me including communication through the consumer financial protection bureau, CFPB. Mr. XXXX, your employees tried to embezzle VALID CASHIERS CHECKS FROM ME TOTALING {$720.00}. THEY GRAVELY INCONVENIENCED ME ( REALLY AN UNDERSTATMENT ) AND CAUSED ME MUCH GRIEF AND HARM. EFFECTIVE IMMEDIATELY : XXXX XXXX IS TO CEASE AND DESIST WITH ANY FURTHER COMMUNICATION INCLUDING BET NOT LIMITED TO MAIL, LETTERS, EMAIL, FAX, PHONE, CFPB PORTAL, ETC. ). HER CORRESPONDENCE IS HARASSING AND ANNOYING. DEMAND : BB & T NEEDS TO PAY ME {$1800.00}. I ATTEST, AFFIRM, AND CERTIFY THE STATEMENT AND INFORMATION IS VERY ACCURATE, VERY TRUTHFUL. Sincerely and Respectfully, XXXX XXXX XXXX  XXXX : XXXX Email : XXXX XXXX
Consumer complaint received 2020-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE (UT)

on XX/XX/XXXX, I applied tor the XXXX business card issued by Barclays. 
Upon submitting my application, I received a message stating that Barclays needed to contact me to obtain some more information. There was no number provided on the page so that I might contact the bank, in case that dod not contact me. 
After reviewing the message a few times, it occured to me : I have been a customer for a year and a half. The bank already has my information. On XX/XX/XXXX, I began researching how to contact the applications department. after a few calls, I was unable to locate someone who might have answers. Each representative told me to " just wait ''. 

In XX/XX/XXXX, I wanted to reinstate the uber visa that I had closed. I tried to locate the chat feature on the ios app, however, I was unable to locate it. I then called the number on the back of the card. I did not even reach a representitive, because I was required to enter a pin, which I could not remember.
Consumer complaint received 2020-10-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Solar Mosaic LLC (CA)

My Name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Home improvement loan XXXX. 
I have signed loan for zero % when I saw statements it showed 6.99 %. So I stop payment and call my windows installer company XXXX in XXXX. They agreed to cancel the loan. I get approved the new loan # XXXX, same company Mosaic.phone # XXXX Now they are sending collections notices. That it is a 2nd loan. Which is not true. Trying ruining my credit. The loan already canceled. 
Please help me. Collection company name is XXXX XXXX XXXX XXXX XXXX AZ XXXX Thanks
Consumer complaint received 2019-08-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BOK FINANCIAL CORP (AZ)

I opened a checking account with BOK financial on and about XX/XX/2019, I used the debit card ending XXXX make some purchases of merchandise in XXXX and bring them back to resale in US. I spend roughly {$8600.00} total on the purchases but non of the item received by XX/XX/2019 which I expected, I have contacted the merchant several times and they always avoided my calls and never return my calls despite I left tons messages, I felt I got scammed, I filed fraudulent disputes against the merchant thru BOK financial, they told me that all charges were authorized so they stayed on my account, I have explained my situation further to them and asked them to reopen the case, they simply refused to do so .... This financial institution has no intension to help it customers, they even closed my account due to file disputes.
Consumer complaint received 2021-11-18
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. (TX)

Regarding Equifax Bureau On XX/XX/2021 I demanded to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that Equifax has on file ; and on XX/XX/2021 I sent Equifax a demand to comply with my initial notice dated XX/XX/2021. As of today I have not received the proof I requested. 

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

Their failure to positively verify the accounts mentioned in my XX/XX/2021 609 notice has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed.
Consumer complaint received 2020-10-15
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Comerica (NJ)

I have been calling direct express for 3 days and I. Being hung up on my info they tell about my transaction don't make sense. My atm withdraws are all odd numbers that u can't even XXXX that amount out from a atm ( XXXX ) i also ] had my stimulus takin in XXXX and the guy said I have more then one card on my account but won't help me I can't take anything out or use card every time I go to store it says invalid card use ... please help. The guy asked for my card number and said and I said no and he wouldn't help if I don't release my card number im very upset im definitely hacked. I can't access the direct express web site
Consumer complaint received 2020-10-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmeriCollect (AZ)

XX/XX/2020 - Americollect has been calling to collect an amount {$1300.00} owed to a medical Provider. I called my health insurance and the insurance reprocessed this bill and settled this with the Provider. 
XXXX XXXX I have verified with the Provider billing company that the Insurance has paid and this debt was resolved. I have asked the Provider billing company to inform Americollect about this and they assured me they will.

XX/XX/2020 - Americollect again has been calling to collect the same debt, now in the amount {$410.00}. 
XXXX XXXX I have spoken to a representative of Americollect and when I told her that I will verify this amount to the Provider, she vehemently told me that " I should NOT call the Provider because the account is now with them ''. She indicated with intimidation that the Provider will not handle this and I should only settle this amount with them. When I told her that I will nevertheless call the Provider, she hinted that this will be reported to credit agencies. 
XXXX XX/XX/2020 - I did call the Provider billing company and was told that this debt was resolved, with XXXX balance and that they will inform Americollect. 
XXXX XXXX - I called Americollect and spoke to a XXXX. She told me to prove to them that this was paid by giving them the check number of the insurance payment. When I ask her if there is a process for them to verify this with the Provider, their client, she said the burden of proof is on me.

Americollect is aggressively collecting medical debt thru intimidation and REFUSED to verify with their client the debt they are collecting.
Consumer complaint received 2018-01-30
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. (TX)

sent XXXX the police report the information that was not mine on a dispute they are not trying to help in anyway even tho it was their security breach that cause all these damages ... now my XXXX XXXX   is missed up with my experian cra violation must remove inaccurate information they have cause my family thousand in dollars in time trying to fix this issue missing work and missing opportunity from a job b/c of my credit situation with inaccurate information ...
Consumer complaint received 2020-05-07
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. (IL)

I have contacted Equifax several times explaining that there has been several inquiries that are listed on my report that does not belong to me & needs to be deleted from my credit report. I am a victim of identity theft & these items should not be on my report for XXXX XXXX, XXXX XXXX   inquiry date XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. Please delete this information.
Consumer complaint received 2020-05-06
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: FACTUAL DATA CORP. (TX)

I did not authorize anyone employed by FACTUAL DATA ANY OTHER COMPANY, and including the XXXX, to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties above, and including multiple complaints with the Consumer Financial Protection Bureau, and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXX v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting This was reported immediately from the alerts yesterday again, and placed a security freeze to my credit file. XXXX  is the only out of 3 agencies that have not put the freeze as requested, that both XXXX  and XXXX  did, and this in addition to several other inquiries started after the XXXX  data breach publicly known.
Consumer complaint received 2019-04-09
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: DISCOVER BANK (MS)

Discover is reporting NEGATIVE information to the credit bureaus, thus adversely affecting my credit score.. MY account is in GOOD standing with DISCOVER. The account Discover is NEGATIVELY reporting DOES NOT belong to me! 

XXXX has lowered my credit by 12 point, thus changing my creditworthiness!
Consumer complaint received 2019-09-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: ALLIANT CREDIT UNION (GA)

I had a credit card with Alliant that I had stopped using. I kept it open through the end of the 12 month period that was paid under the {$59.00} annual fee. Now here is where Alliant engages in unprofessional, unethical, " gotcha '' fees. I got my XX/XX/2019 statement in mid-XX/XX/XXXX and saw the new {$59.00} annual fee for the upcoming year. So I called XX/XX/XXXX to cancel. Seemingly in-line with the business practices of all banks, credit card companies, etc, I presumed this would be an easy cancel and removal of the fee - ie, calling within the billing cycle when the fee hit. No such luck. They did cancel my card but said they would have to request the {$59.00} refund. I presumed again this was a simple process and assumed it was done, as I didn't hear further. Fast forward to XX/XX/XXXX where I noticed a new online statement with a balance ( the annual fee ). I call and figure this would be a quick waving of the fee. No luck, again. Apparently they buried on page 3 of the XX/XX/XXXX bill, a notice that says one has to call within 30 days of the XX/XX/XXXX bill to avoid this fee. Take note that the {$59.00} fee isn't on the XX/XX/XXXX bill but the NEXT MONTHS BILL. So if you don't read through all the fine print through to page 3 of the bill, then one never sees this. It's clearly intentional and duplicitous to bury this at the end of a bill vs PAGE 1. Plus it's even more tricky to only allow you to cancel BEFORE the actual charge hits your statement. So once the fee hits your statement, what do you know, it's too late to cancel. How underhanded is that??? Reps were rude and supervisors were worse when I called two times to investigate and then confirm this, as I couldn't really believe it could be the case ( except the rep that admitted the fee was not really appropriate - so clearly they get this A LOT ). I really can not believe that XXXX would fight customers so hard over a silly fee and hurt their reputation so badly. If they need {$59.00} fee income, you should worry about their viability as a bank, not to mention their ethics. And I can not believe that this day and age a bank would engage in this practice that is clearly designed to trick customers. Oh and there is no proration of the fee.
Consumer complaint received 2018-01-30
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)

Ive sent numerous letters to equifax, XXXX and XXXX in regards to fraudulent accounts reporting along with my federal trade commission report. XXXX XXXX ( XXXX XXXX ) is a fraudulently open account. Needs to be removed from all 3 reports. XXXX XXXX XXXX is Fraudulent needs to be removed. After reports and numerous attempts these still remain. They are fraudulent.
Consumer complaint received 2018-01-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (WI)

I have been corresponding with Quicken loans regarding a request for a refund of {$400.00} that was used for an appraisal on my property to secure a refinance of my mortgage. 
In XXXX of XXXX in the approximate dates of the XXXX and XXXX an appraisal was signed off on my property by a 3rd party company contracted by Quicken loans. Several days after the results of the report were relayed to me, I was questioning the accuracy of value that was stated in the report. Since this information would be crucial in determining a prudent amount to refinance my property for, I thought it might be in my best interest to get another opinion. 
I had three realtors and one investor walk the property. In their opinion the houses value was nowhere near what it had been appraised for. Furthermore I would be lucky to get what I had initially paid for it. The initial purchase price of my home was approximately {$25000.00} less than what the appraiser stated was the current value. 
Within 90 days of the report, I chose to put the house on the market. The realtor started the listing price {$15000.00} below the appraisal on XX/XX/XXXX of XXXX. The overall showings comments were poor stating that the property was priced to high. After conservative price reductions the property was sold in month of XX/XX/XXXX for {$52000.00} less than the appraisal. 
It is understandable that the market can fluctuate. The source of my income is social security with no real potential for an increase. Refinancing this property at that time based on the information in the appraisal in conjunction with what was owed and the actual value would have resulted in a greater financial hardship for me. 
An appraisal is to be used as a tool to aid in making an informed decision based on the expert opinion of the person who has issued it. In my communications with Quicken my funds were not returned to me because they were used to pay for the appraisal. The service was contracted by Quicken therefore I have requested a refund for this service from Quicken.