davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-13
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)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-08-13
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. (CA)

I am writing to express my profound disappointment, anger, and disbelief regarding your handling of the fraudulent account that have appeared on my credit report. Despite my numerous attempts to resolve this issue and my diligent submission of all required documentation, including the FTC Identity Theft Report, these fraudulent account remains unresolved, and my credit report continues to reflect inaccuracies that are severely impacting my financial standing and peace of mind. I brought this fraudulent account to your attention because I was assured that an investigation would be conducted, and the account would be removed if found to be fraudulent. Since then, I have written multiple letters and provided all necessary documents, including : A detailed explanation of the fraudulent accounts. 
The completed FTC Identity Theft Report. 
Copies of my identification documents. 
Any additional information requested by your office. 

Despite my compliance and the clear evidence presented, I am deeply frustrated to find that my efforts have been in vain. The account in question remain on my credit report, and I have not received any satisfactory resolution or clear communication regarding the status of your investigation. 

It is disheartening to experience such neglect and lack of responsiveness from an institution that plays a crucial role in safeguarding consumer financial information. The continued presence of these fraudulent account is not only unjust but also a severe breach of my rights as a consumer. I expect prompt and decisive action to rectify this situation. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (WV)

Clarity a subdivision of XXXX is refusing to change the initial XXXX year fraud alert to an extended 7 year XXXX alert. Since I already have an extended fraud alert on my XXXX credit report Clarity is OBLIGATED to place a extended fraud alert on my report with them as well.
Consumer complaint received 2024-09-27
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Hello XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX and XXXX Judicial Court has XXXX me access to my property and Bank accounts XXXX XX/XX/year> I requested immediate access to my property to Bank of America XXXX XXXXXXXX XXXX XXXX and XXXX provide False information with regards to my house home loan XXXX and refused to comply with the State of Texas XXXX XXXXXXXX XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX orders granted XXXX XXXX access to my property and Bank account. 

I provided Bank of America XXXX XXXX XXXX XXXX with all of the XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX and XXXXXXXX XXXX XXXX XXXXXXXX XXXX decree orders and they respond with false information with regards to the court ordered temporary possession of property by the XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX... 

Please investigate the fraudulently scams false statements and XXXX Bank of America XXXX XXXX XXXX XXXX had provided and IRS XXXX XXXX XXXX IRS account fraudulently access by Bank of America XXXX XXXX XXXX XXXX that had contradictory information with regards my property and city along with government institutions financial crimes and information, theft, contempt to XXXX XXXX Texas Attorney XXXX XXXX and XXXX XXXX XXXX XXXX XXXX...
Consumer complaint received 2024-08-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PNC Bank N.A. (CT)

I received escrow projection statement for my loan. The projection has an error, its missing XX/XX/year> escrow money in entry. That missing entry is causing shortage next year and puts additional charge on my loan. Contacted PNC bank to resolve the error and / or rerun the projection again. PNC Bank stated the projection is correct and refuses to rerun projection.
Consumer complaint received 2017-01-09
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Mercedes Benz Financial Services (MD)

For the past 6 months, I have been making extra payments on my car loan ( MBZ Financial ) in order to pay it off faster. However, instead of applying my extra payments to the principal, MBZ put the extra payments into a " Credit account '' and although they modified the payoff balance ( minus any credit account ) they continued to charge me interest on the previous payment schedule. Essentially, they charged me interest on an inflated principal. 

I decided to pay it all ( {$5000.00} ) off to avoid this from happening. I offered to pay by credit card and make payments to my cc company. MBZ Financial said I would be charged {$15.00} for every {$2900.00} I charged. I asked them to waive it and after initially " refusing '' then " negotiating on 1 waiver '' ... they finally agreed to waive both when I asked to speak with a manager. Then I was told, use of credit card has to be recorded as a cash advance, which obviously means my cc company would charge a fee on that end. This is a blatant act of ripping off a consumer!
Consumer complaint received 2016-11-04
Product: Credit card — 
Issue: Rewards — 
Company: PNC Bank N.A. (NJ)

This complaint is against PNC bank ( XXXX ) and visa checkout ( XXXX ). Not sure who is responsible for the problem. A visa checkout offer of {$10.00} statement credit appeared on PNC bank website in early XXXX 2016. The offer was if you spent {$10.00} or more and use the visa checkout when checking out you will get statement credit of XXXX The original offer is no longer on PNC website but I got the information from internet. 
See attachment PNC Bank and Visa Checkout {$10.00} Credit Offer. 
XXXX XXXX I have called PNC bank and Visa checkout several times but going around in circles.. After calling PNC bank they told me that though the offer was on their website but the offer was from XXXX Checkout and they are responsible for the credit. Then I called visa checkout and they told me to wait for 90 days after the offer expired which was XXXX XXXX, 2016. When I called them in early XXXX nothing happened and they told me they will look into it. When I called again a few days later they told me to contact PNC bank again since it was on their website. It has been going in circles for almost 4 months and there is no statement credit so far. PNC Bank telling me to call Visa Checkout and Visa Checkout telling me to call PNC Bank. 
There are following additional attachments ( Documents ) in support of the complaint : 1. Visa Enrollment-XXXX ( PNC Bank credit card XXXX enrolled for Visa Checkout ) 2. XXXX ( Enrolled card used using XXXX XXXX XXXX for {$13.00} ) 3. PNC Bank Statement-XXXX ( showing amount of {$13.00} )
Consumer complaint received 2016-05-13
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (CA)

I had my mother deposit a check in to my US bank account and pay a bill for me because I was out of town and it was time sensitive, well she got the XXXX checks switched by accident and I noticed it and called the bank two days later and explained to the girl and she understood and even said it happens I explained I was going to go and deposit the amount and she said not to worry. This was on XXXX XXXX 2016 on XXXX XXXX 2016 I went to check the balance on my account on the phone and it did n't recognize my pin number, so again I talked to customer service and the girl said that there could be a glitch and call the main branch but never did she say that there was an issue with my account. Now on XXXX XXXX I went to pay my electric bill and my card was declined well after contacting US Bank I was informed that my account was on hold for fraud because of the incident that happened. After talking with the fraud department I was told that it was put on hold to be cancelled I asked why was I never alerted because the bank sends me messages for everything else I was told that they do not notify people only by letter and Ill get that in ten days, well still no letter. Also I have a direct deposit that was suppose to post on XX/XX/XXXX that is sitting in limbo and was told they will deduct the negative amount on Tuesday XX/XX/XXXX and send me a cahiers check with the remaining balance that will take 7 to 10 business days if it takes the full amount that will fall on Monday XX/XX/XXXX which is a holiday and I will be without money till XX/XX/XXXX because that 's when I get paid again
Consumer complaint received 2016-07-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CT)

i have complained before still nothing done ditech has XXXX my escrow account by still not paying my taxes. i made them the last time, they still did not notify the town to get tax bill.i received the tax i called they used the the words as before the " NEED TO RESEARCH '' after two months .THey say for me to fax the bill. no it is their job to get the bill. they do n't return phone calls because they know i am mad. i hope i do n't have to take time out of my schedule to pay the taxes again. 

in response to by last complaint a paralegal wrote me a letter had all the wrong infomation. ditech needs some serious help in the tax and escrow department
Consumer complaint received 2016-07-06
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

The original lender for my loan was Countrywide, which went out of business. Its advertising was deceiving because it advertised affordable mortgages. My mortgage monthly payments increased dramatically, making it impossible for me to keep current with my mortgage. In 2009, Countrywide contacted me to pay {$4000.00} to bring my account current. Country wide took the {$4000.00} and other monies from me, claiming that it would bring my account current but it did not. I tried in several occasions to modify my loan but I was always denied. It is as if the bank wants people to lose their homes. The lender is not working in good faith and I have question the legality of the origins of my loan.
Consumer complaint received 2016-07-25
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (TN)

I am refinancing my home and I contacted WellsFargo on two separate occasions and have requested a loan payoff.First in XXXX of 2016 when I called I was told that they would have to fax me that info due to the fact that I had done a loan modification and I that I wanted to make sure that that modification was included in my payoff amount that they sent me.That was on a Friday and I said that was fine. When I returned to work on Monday the payoff quote was on my fax machine. I have attached a copy. I did not get to close on my refinance loan. I again contact them and ask for another payoff quote and asked that they again fax it to me, at this time I ask to make sure that the loan modification be included in my payoff and I was told it would be. I go to my banker on Thursday XX/XX/2016 and he has order a title search and finds that I have a second lien on my property, I do agree that I did the loan modification and I do agree that I was told that there would be a second lien on my property.However, when I asked specific questions to WellsFargo if that amount would be included in my loan payoff I was was told yes 2 separate times by WellsFargo employees that it would be included. When me and my banker that is doing my refinance called them on XXXX XXXX 2016 is when we was told that I would have to contact HUD for that payoff. My complaint is that if this information was in my account all this time why did no one tell me until now? A supervisor named XXXX XXXX then goes to tell me that she is n't sure why they would n't have give me this information as to why I specifically asked for it. Now this has been turned over to a XXXX with WellsFargo she has just informed me that there is nothing that they can do. I think this XXXX unfair and misleading information that I have been provided by WellsFargo.
Consumer complaint received 2016-11-28
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

Someone I do n't know was able to get my checking account number and opened a XXXX account with it, charging over {$1000.00}. Once I noticed the charges ( within 60 days of receiving my bank statement ), I filed claims with my bank and XXXX, made a police report, and contacted the Federal Trade Commission. My bank would only give me back a portion of the money and refuses to reimburse me the remaining {$570.00}.
Consumer complaint received 2016-08-06
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (FL)

Citibank sent me a mail promotion for XXXX AAdvantage miles for opening a Citigold account and satisfying some qualifying activities. These qualifying activities were opening a new Citibank checking account and making qualified debt card purchases of {$1000.00} and doing 1 or more online bill payments for 2 consecutive months within 60 days of opening the account. I finished all the requirements 2-3 months ago and last month was told that my points would post in the XX/XX/XXXX billing cycle. When they did not post, I contacted Citibank and they informed me that there was no such promotion for me and that I would not get the miles
Consumer complaint received 2016-06-22
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (CA)

I have to no avail brought this issue regarding a 30 day late payment Citi reported on my credit report for XXXX 2015 for my CitiBank Sears card. 


There was an incompetent bookkeeping service paying my bills at the time and feeding me incorrect information regarding my finances and expenses paid. They falsely showed the Citi card account balance of {$150.00} odd being paid in full in XXXX 2015. I only found out about this issue in XX/XX/XXXX when I returned back home from a business trip, and found the 30-day late payment on my credit report. At that time I reached out to my bookkeeping service and told them about the issue, they called Citi on my behalf to make a payment by phone, but apparently the bank account number got transposed and that payment would bounce due to this. 

On speaking to Citi bank they asked that I forward them the documentation from the book keeping company to validate what had happened and they 'd then remove the late payment from my credit repor. I forwarded not only the letter from the book keeping company but also sent Citi my XXXX XXXX account statements which showed balances between {$130000.00} and {$88000.00} at the time the payment was missed and when the payment made bounced. However in spite of this Citi simple responded back by stating this was not their problem and they wo n't be removing the late payment.
Consumer complaint received 2016-10-19
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A. (NY)

to whom may it concern my name is XXXX XXXX XXXX, i was recently a victim of identity fraud, apparently they have opened a credit card ( Best Buy ), they made a purchase for over XXXX XXXX. the person behind this also tried to change the address in order to open different accounts. they have also attempt to run my credit not once but multiple times, due to many attempts to open different accounts my credit score is under XXXX. 

sincerely XXXX XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2016-04-11
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XX/XX/XXXX, XXXX contacted me about being hired to build a download-to-own media site with billing. They seemed organized and capable, so I hired them. We began discussing the project. It took longer than the six weeks anticipated, but as of XX/XX/XXXX, they have been paid in full, having told me that all they had to do was enable the billing and my site would be up and running. Then I was told that there was an issue, but they would resolve it. I 've been strung along since then. For a while they stopped responding to emails, but finally did answer again. They said that my website would be XXXX done by Sunday, XX/XX/XXXX. The date came and went with no contact. Now I 'm trying to get a refund. Can you guys help me or point me in the right direction? Due to the time that has passed, the credit card processor, XXXX, says that they are unable to assist me.
Consumer complaint received 2016-12-21
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

The credit card account in question here - totaling {$17000.00} - was set up using my name and personal information that was shared with XXXX representatives of the XXXX XXXX XXXX. They ( names shown below ) had contacted me about money that I was to receive and I was told that they would cover all costs for the delivery of this money. There are so many fraudulent activities out there today that made me follow through in an attempt to verify the legality of their claim. Based on information I obtained, relative to this type of activity from competent sources, and multiple follow-up inquiries with the supposed representatives ( XXXX XXXX XXXX and XXXX XXXX XXXX ) I moved forward on their proposal. 
They were to take the information requested from me to set up accounts with XXXX banks necessary to deposit the required fees for the competition of all necessary payments prior to the release of the funds. Once the money was deposited into the accounts, I was to withdraw it and send it on to them for the payment of these required fees. 
When the money was deposited into the Capitol One bank account - that they had set up in my name - I sent it on to them as requested ( I was n't concerned at this point since this was their required fees and not my money ). As a security measure, I contacted the bank and talked to XXXX of their representatives to make sure that the money was legally on deposit and that it could be withdrawn. She informed me that it was okay to make the withdrawal. After my withdrawal, approved by XXXX XXXX, someone removed the deposit leaving the " supposed legal responsibility '' in my name. 
In multiple attempted follow-up calls to XXXX XXXX and XXXX XXXX I received messages that said : " This number is not receiving calls. '' After this occurred, I contacted Capitol One and talked to many representatives in a number of departments about the fraudulent action - all of whom would either not discuss it with me or said there was nothing they could do about it. 
I have submitted reports on this fraudulent activity to multiple federal agencies and my local police department and, as of this date, have gotten no resolution. Capitol One did agree to stop interest charges and at one time deposited that interest money back into the account. Since that time, they have begun making additional interest charges. 
The most recent contact with Capitol One was on XXXX XXXX, when I sent a " return receipt '' letter to the person in their fraud department. He had requested this and said that he would follow up with me after my written communication. That has not happened, even though I received the return receipt from the post office. 
Since I did not set up this account and they released the money following my request for verification, I do not think that I am accountable for this account and the charges being made to me. Not one cent of this money was kept by me.
Consumer complaint received 2016-11-17
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (WA)

I receive a call every morning at XXXX Monday thru Friday from a company listed as Convergent resources by my caller ID and shows the number calling to be XXXX. The call is a Robocall that does not identify themselves and says that this is a Debt collection and I owe a debt ( which they do not provide information as to what debt I owe ) and then provides a different contact phone number to call back with.
Consumer complaint received 2016-07-06
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (CT)

I applied for credit with XXXX on XXXX XXXX, 2016 and was denied due to information obtained or supplied by Equifax. In the denial letter sent from XXXX, I was instructed to request my free credit report via online, or telephone. I first attempted to obtain via the internet. Equifax 's automated system repeatedly attempted to confuse or sell me additional information for a charge. Once I hit submit and did n't purchase any additional information, they instructed me to call. I attempted to call three separate times and all three times where denied access to my FREE CREDIT REPORT. I spent over 1 hour trying to go through a SIMPLE PROCESS of ordering my FREE CREDIT REPORT, and have failed to do so on 4 separate occasions. Ordering one 's FREE CREDIT REPORT, should be as easy as ordering an ice cream cone in my opinion ... but these XXXX credit reporting companies use tactics and processes that are confusing and frustrating to millions of consumers and the CFPB has an opportunity to make a difference. I am requesting my free credit report based on the fact that I was denied credit within 60 days. 
Can you please help? Also, besides ordering my free credit report, is there another agency that I can file a formal complaint regarding the processes and tactics used by this company? 

Thanks in advance for your help and support. Sincerely, XXXX XXXX