davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.
Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.
XXXX XXXX XXXX XXXX ( no acct # noted ) Unverified Account
Consumer complaint received 2017-05-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (DE)

I called into  the PNC  call center about an overdraft fee. I was sent to the escalation department. I spoke to  XXXX   XXXX  she was rude and unhelpful. I ask to speak to a supervisor. She rudely said to me " that the overdraft fee would not be refunded irregardless of who I spoke to ''. Then she placed a follow co worker on the phone that she was friendly with. She (  XXXX   ) pr etty much determined the outcome before  XXXX   XXXX   ( su pervisor ) took the call. She came on the call well versed on and about my inability to get the refund. She was speaking aggressively to me and refused me the opportunity of speaking to another supervisor that she was not friends with. I feel the refund was due because of a bank error. I had several deposits come in. The bank processed the deposits after allowing my account to over draw. I feel the bank allowed this to happen to exploit the circumstances and make money off my account.
Consumer complaint received 2017-08-15
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: CORELOGIC INC (MO)

After using XXXX to check rates for mortgage refinancing in XXXX 2017, I was contacted by multiple companies. One of these was XXXX XXXX. I was contacted by XXXX who requested some more information in order to give me a rate. I provided this information. He then stated that he would need to pull my credit in order to provide me an accurate rate. I said that I did not want my credit pulled. He then asked me why I did n't want my credit pulled, and I said because I was not really interested unless the rate would be less than the 2.75 % interest rate I already had. He was unable to assure me of that so we did not proceed. About two months later I received a letter in the mail indicating that XXXX XXXX had rejected my mortgage application and it was incomplete. I contacted the company to ask why I had received the letter, and they indicated it was because I had started a loan application. I said I had done nothing of the kind and they said they would investigate the situation for me. I then noticed on my credit report that Credco had information from XXXX XXXX, 2017 for an inquiry. I called Credco and they indicated XXXX XXXX had filed the inquiry. I indicated I had never given my permission and they said they would file a complaint with all three credit bureaus to dispute the information and get back to me in 60 days. I also requested the contact information for this XXXX XXXX organization. I spoke to XXXX XXXX and he stated they did show I had applied for a loan with them. I said I absolutely did not and the reason it would be incomplete was I never applied in the first place. He indicated there was nothing he could do. So I requested the legal department contact information. He said the legal department could be reached by mail at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I never authorized my credit report to be pulled and the information I provided to XXXX XXXX was never stated to be used for that purpose before I provided it. If they do not rescind their errant request which was made inappropriately for my credit report I plan to pursue legal action against them to stop them from taking other customers ' information without authorization and would appreciate your follow-up.
Consumer complaint received 2017-08-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Stewart Information Services (FL)

XXXX XXXX XXXX XXXX received a contract for a purchase, with an Addendum that the buyer and realtor was not aware of. The addendum is forcing the buyer to use Stewart Title as their closing agent, and having the buyer pay for their own title policy, This was not disclosed by the Listing agent in the XXXX, nor was it disclosed to the selling agent for the buyers. The contract was checked that the buyer wanted to select title agent and pay for their own title policy. In normal situation, and even in Foreclosed properties, the one who chooses the title/closing agent/attorney pays for the title policy. 

The addendum that the buyers signed is deceptive because it supersede the contract choice, but failed to state that the seller will continue to pay for title policy. 

Stewart Title Company, The Seller XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX the Listing company seems to be in bed together, because this is deceptive and should have been disclosed by the listing agent and in the XXXX, including an Affiliate Business Arrangement Disclosure. I guess this is how these company do business. This is a clear violation of RESPA.
Consumer complaint received 2017-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (MA)

Due to my financial situation in   XXXX   XXXX  , I agreed to put my  American Express acco unt on a payment plan in the amount of approx. {$2600.00}. At that time, I understood that I will be unable to use the card however it  XXXX  be reinstated after the payment plan period. I agree to have  American Express  automatically debit my account month. On   XXXX   XXXX   XXXX  , I received a letter from  American Express  notifying me that that account was sent to a collections agency. I never received a letter or notice that the payment plan was expiring and what next steps were.  American Express  did send Account Snapshots with the balance and other information but nothing in those communications ( last on  XX/XX/XXXX  ) notifying me the account was sent to a collections agency. The amount in collections in approx. {$440.00}. I spent approximatel y 90 minu tes on the phone with various  American Express  departments only being told that it was system generated and could have been prevented had I paid past due amounts - I told them how can the account be past due as I was making payments on a regularly scheduled basis. What really concerns me tha t American Express  would be willing to send to a collections that last amount and the supposed failure to pay a past due amount of {$40.00} after an agreed payment plan paying back {$2000.00}. They refuse to reverse their decision. I have been an American Express cardmember since  XXXX  paying as agreed but having only one time an issue in repayment I felt that they treated me with a disregard in terms of the over 20 year period of excellent credit to make such an awful decision.
Consumer complaint received 2024-09-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Fidelity National Information Services, Inc. (FNIS) (WA)

Under the Fair Credit Reporting Act, as a victim of identity theft, I have certain rights that I would like to exercise. These rights include obtaining documentation related to fraudulent transactions or accounts opened using my personal information. I request copies of the application used to open the account and any other relevant business records. Additionally, I have the right to receive information from debt collectors regarding the debts in question. 
I am disputing the following accounts, late payments, collection accounts, student loan accounts, and public records items as they are inaccurate and do not belong to me. I demand that these items be deleted and removed from my credit report promptly :
Consumer complaint received 2017-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (NJ)

Between XXXX XXXX and XXXX XXXX 2017, Citi did not send me emails notifying me of a statement available on my account, in violation of the Fairness in Lending Act and their Paperless Terms & Conditions. Citi has reported delinquent non-payment during this period to the credit reporting agencies. This card was not linked to my online account during at least this time period, potentially even longer. No balance due was visible to me, and I was not able to access current or prior statements online. Thus, emails regarding statements which were actually sent about or after this time period did not materially provide a statement. They only contained a link to my online account which this card was not linked to. When I called Citi on XXXX XXXX, 2017, Citi was unable to confirm an amount due against my card. Citi never alerted me to : the original balance due, a failed AutoPay, my removal from AutoPay, or a deliquent balance. Citi failed to adequately contact me by email, phone, or mail regarding this issue. The attached emails constitute the entirety of email communication from Citi regarding this account between XXXX XXXX - XXXX XXXX, 2017. Citi has claimed to have contacted me via mail which is false. The only potentially related contact I have are identical voicemails on my phone from XXXX advising me, at their most explicit, to " login at www.citicards.com and review your account status ''. Which I did. Which again did not show any balance due or problems with my cards visible there. I informed Citi of the missing statements on XXXX XXXX2017 which meets the deadline under the Fairness in Lending Act.
Consumer complaint received 2017-08-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC (IN)

I have been a victom of identity theft. I submitted formal letters to the bureaus XXXX XXXX, 2017. I included a police report, an FTC affidavit, a utility bill and my necessary drivers license and social. XXXX and XXXX removed this fraudulent item. XXXX also removed it. As of yesterday, XXXX XXXX, 2017, it has appeared back on my report for XXXX. I called and asked why it was back on there. I was told it was never taken off ...? I asked why it was on there and they other fraudulant charge from the same company, same acct number for just a different amount, was taken off but this one wasnt. I was told by XXXX that the lender confirmed it was my account. I asked if the lendor provided them proof it was mine. And if I was mailed proof it was mine? I was told no to both questions. I informed her it has been over your 30 day alotted legal amount of investigation time and you must remove this fraudulent item. I was told they would not and would submit it for reinvestigation. I replied, '' this is NOT the law '' I am trying to get a home loan and your errant posting of this item has hindered me. The law says that you must remove it after a 30 day investigation if you can not provide proof it is mine.
Consumer complaint received 2017-08-15
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: LoanCare, LLC (GA)

Let me start off by saying that I had a PERFECT PAYMENT record on my mortgage for over ten years with XXXX and XXXX. Before the nightmare of disservice from LoanCare hit my financial life I had no issues. For whatever reason, LoanCare took over the mortgage servicing from XXXX. For years I was on an automatic payment with everyone else. My mortgage payment is XXXX dollars. Yes that is not a misprint. And when I tried to set up automatic payments with LoanCare, for what ever reason, the system will not accept an automatic payment. They will, however, try to bill me XXXX dollar late fees when I call in to make a manual payment. Three separate times I have tried to set up automatic payments. And three separate times it has rejected my bank info. I have had to deal with their call center people in clearing up the late payment fee. And, THREE SEPARATE TIMES, I have asked the agents to look into the issues that THEY have created on my credit report. And, amazingly it never gets cleared up. I am asking your assistance on this matter. I honestly tried to work with these people and they have no follow up skills nor a care in the world about my credit rating. Furthermore, I have been receiving payoff statements since they took over the loan. I suspect that they do not want to service such a small loan. Which is why they have given me the cold shoulder on resolutions. Thank you in advance, XXXX XXXX XXXX
Consumer complaint received 2017-05-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: WELLS FARGO & COMPANY (CA)

My email was hacked and I received fraudulent wire instructions to wire money to my title company for the purchase of a home. I sent two wires, both to fraudulent accounts at Wells Fargo Bank. The first wire was for {$150000.00} and I received only {$140000.00} back. The second wire was for {$220000.00} and I received only {$210000.00} back. I 'm short {$13000.00}.
The second wire was red flagged by Wells Fargo 's wire department as a mis-match of beneficiary name and name on the account. They did n't match. I received a call from the Wells Fargo Fraud Transaction Support team indicating they had found this problem and that they would " block '' the funds and the recipient would not be able to use the funds. I was instructed to work with my bank that sent the funds to them recalled. I did as instructed and the funds were returned about a week later {$10000.00} short. When that happened I contacted Wells Fargo immediately and they said they could not tell me anything and that I needed to go to my bank because Wells Fargo would be giving them information. My bank said that had not received any information from Wells Fargo.
I want my funds returned to me. It 's a lot of money.
Consumer complaint received 2017-08-15
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Professional Debt Mediation, Inc. (FL)

I have received phone calls from XXXX Wednesday XX/XX/XXXX, Friday XX/XX/XXXX and Tuesday XX/XX/XXXX. I answered on Tuesday XX/XX/XXXX at XXXX and the person I spoke with asked to speak with XXXX XXXX and I asked who was calling. He said I needed to verify my identity before he could tell me why he was calling but he was XXXX XXXX from ( inaudible ) company. I repeated that without knowing who I was speaking with I would not verify my identity and he asked me to tell him my adress and then my birthday and then my last four digits of my social security number. I refused and repeated that I was not confirming any personal information without knowing who I was speaking to. He became angry and said that they had sent repeated letter, which I stated that I did not receive. He talked over me to say he would not be wasting any more paper to send me letters that I would ignore and that I would talk to him once it affected me. This I took to be a threat over whatever debt he was claiming that I have. It was very upsetting and I was shocked to have any business speak to me and yell at me this way. I have never had a debt in collections and do not have outstanding debts that I am aware of. This company should not be allowed to call and threaten people this way.
Consumer complaint received 2017-05-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (SC)

I initiated a cash-out-refi on a  Wells Fargo owned condo mortgage. My personal creditworthiness is outstanding. Employment, ann ual income, on time mortgage payments and  XXXX   credit score are  all verified. The condominium is my primary residence and only propert y. Wells Fargo bought  my mortgage in   XXXX   as the original mortgage broker was too small to service the loan.  XXXX   XXXX  is the date I started sending documents  to Wells Fargo. As of  today,  XXXX   XXXX , I received an e-mail from  XXXX   XXXX  informing me tha t Wells Fargo un derwriters could not approve the refinance because the  " Fidelity Bond Insurance '' policy wa s not in the name of  XXXX   XXXX , but rather in the name of  XXXX   XXXX   ( th e company that provides  HOA servic  XXXX  to  XXXX   XXXX   ).   XXXX   XXXX  has NO Employees and therefore needs no fidelity bond insurance.  XXXX   XXXX  IS covered.  XXXX   XXXX  an d Wells Fargo  have been negligent in their duties to properly handle this refi attempt. I should not have had to wait 38 days to find out they ca n't refinance THEIR OWN MORTGAGE because of some semantics issue o ver fidelity bond insurance.
Consumer complaint received 2017-08-15
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Weinberg Mediation Group LLC (FL)

I received a called on X/XX/17 from the phone # XXXX. The caller left a message that they were calling for XXXX XXXX and stated that there is a problem with my name and social security number. They were calling from Weinberg Mediation Group and  that myself or my attorney have failed to contact them regarding this matter and since I have n't taken any action that I 'm not being compliant. First of, I have not received any communications regarding problems with my name and social security. And with all the fraud cases I 'm not calling someone to give them or discuss such a delicate subject. I can only assume this is a debt collector using a lie to get me to call them back. The call back # is XXXX not XXXX which they called from and in their website it states they are a debt collector. For what debt I have no idea.
Consumer complaint received 2017-08-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (RI)

I have finally decided to take a stance against Portfolio Recovery. I have received harassing phone calls, threatening to put a lean against the home I live in for many years. I recently submitted my disputes with the credit bureaus and was told that my accounts have been verified and few days later I received documents in the mail from Portfolio Recovery informing me of debts that I owe along with various statements of accounts that show inaccurate information. The debts that Portfolio Recovery continues to harass me about are inaccurate debts. The statements that they provided show inaccurate amounts of debts that are not owed to Portfolio Recovery. My credit report shows dates that my accounts where placed in collection with Portfolio Recovery with various dates of XX/XX/XXXX through XX/XX/XXXX, not once was I notified via mail of any debts owed by this company during the times that they are reporting on my credit report. I 'm not sure when these debts where obtained, but those amounts they are claiming I owe reflect no payments that where made.
Consumer complaint received 2017-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WEBSTER BANK, NATIONAL ASSOCIATION (ME)

In  XXXX  o f 2017, I  called to close my account at   XXXX   XXXX  . They were going to waive a few additional fees and submit my account for closure. In   XXXX   of  2017, I rece ived an additional bill showing that additional fees were accessed and my account was still open. I called and they said they would waive fees but I needed to call ba ck in 10-14 days to   close the account. I told them it was not acceptable and they needed to write me via email when the account would be closed. I received an original confirmation from   XXXX   XXXX  , but now they will not correspond to me via email to verify account has been closed.
Consumer complaint received 2017-05-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (TX)

I just saw this debt appear on my credit report today. The date opened is incorrect, I have not had any communication with this company. I am a  XXXX   year old a nd have been out of   XXXX   XXXX   for only two years. I 've never had a primary residence of my own in order to have applied for any type of credit with them or  XXXX   XXXX   XXXX . I need this item to be removed from my credit report for I am a young adult that is just now starting my adult life and do n't need any derogatory marks on my credit file.
Consumer complaint received 2016-09-05
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: CITIZENS FINANCIAL GROUP, INC. (VA)

I am the co-signer on my granddaughter 's student loan and Citizens Bank has ruined my credit rating listing 2 delinquent payments. The loan is being paid but I understand she has 15 years after graduation to pay off the loan and she graduated in 2014.
Consumer complaint received 2017-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion failed to remove my two tax liens ; Docket # XXXX and Docket # XXXX. Neither one of these liens adheres to the National Consumer Assistance Plan ( NCAP ) which requires that liens and judgments can only remain on the consumers credit file if it displays the full name, address, SSN or date of birth. The above mentioned liens display a partially redacted SSN and no date of birth. Given this, there is only one solution : Permanent deletion from my credit file/report. The following is from Transunions website : Following the Metro 2 format, Furnishers must report : Full name ( First Name, Middle Name or Middle Initial ( if available ), Last Name and Generation Code/ Suffix ) Address Full Social Security Number Date of Birth ( mmddyyyy ) XXXX XXXX XXXX