davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (CA)

PNC is in violation of CAHBOR and acting as a foreclosure mill. PNC is illegally without cause trying to foreclose on a property without any valid reason. These issues are all being documented. Should PNC continue their illegal activity there will be a wrongful foreclosure lawsuit brought against PNC and we will seek out other potential victims for a possible class action suit for PNC 's illegal and unethical activities. 

At issue are loss mitigation requests that have been submitted to PNC that were improperly denied. The latest review was on XX/XX/18. PNC denied the request but wouldn't even say why they denied the request. It took a written formal demand requiring specific reasons as to denial of loss mitigation options. PNC 's response took an unbelievable 30 days to respond. 

Denying a homeowner a loss mitigation option when CA law requires lenders and servicers operating in the state to help avoid foreclosure without a detailed explanation on that denial upfront is a violation of that very law, CAHBOR. Requiring a formal demand with a detailed explanation and then taking 30 days to respond is criminally negligent. PNC put up these ridiculous obstacles to take away legal time homeowners have during a default process. They ate up time to get closer to foreclosure. 

Adding insult to injury the letter provided as to the reason for denial contains NO VALID reason for denial whatsoever. The two reasons cited in the letter ( attached ) are 1. The signature of the co borrower doesn't match records 2. Co borrower was removed from title.

Number 1 is handled with a simple notarized affidavit and driver 's license that clearly prove the signature belongs to the co borrower. Standard industry practice of lenders and servicers is to ask for this information when there is signature discrepancy. Instead PNC chose to hide such an inconsequential discrepancy for the purposes of illegally denying borrower 's right to avoid foreclosure. 
2. Co borrowers can remove themselves from title if they want. As the letter states it has zero bearing as to whether they are still liable for the debt. The two have nothing to do with eachother and since PNC acknowedges that co borrower is liable for the debt they also acknowledge co borrower was participating in the short sale request. So there is no reason for denial whatsoever. The fact that sentence was added to their letter shows how grossly incompetent PNC actually is.
Consumer complaint received 2018-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION (OH)

My employer submitted a background check to XXXX XXXX   XXXX XXXX XXXX ( XXXX. XXXX XXXX XXXX, IN XXXX ). I received a copy of my results, which included a criminal file for a court case that would have taken place when I was XXXX years old in a county I have never held residence. On XX/XX/2018 I contacted First Advantage consumer disclosure center at XXXX to discuss the issue. They could not locate any information related to my name, ssn and stated that they could not help me. I have also attempted to search the criminal records for the county that is listed on the background check, but have not been  able to locate any criminal records based on the information provided on the background check.
Consumer complaint received 2018-01-04
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: EQUIFAX, INC. (GA)

In CFPB Filing # XXXX XXXX XXXX XXXX XXXX stated that they CAN summarily make changes to a Mortgage without the PRIMARY signatories signature, by virtue of a Divorce Decree. In the Divorce Decree between myself and XXXX XXXX XXXX is a SPECIAL WARRANTY DEED, which is NOT THE same as a Quit Claim Deed. I have checked this with several Lawyers and even with the FBI. So, instead of fixing the problem, XXXX decides to CLOSE the offending case file, then open a NEW ONE, again without my signature. So, since XXXX XXXX XXXX can not pay on time, it shows up on my credit report. This is getting very tiresome, and this is exactly what XXXX XXXX was fined millions of dollars for, opening accounts without permission from those people. I want this stopped immediately. 

This is their response for Complaint # XXXX : We 've been unable to establish contact with you regarding you concerns about the credit reporting of your account. A Divorce Decree and/or Special Warranty Deed may transfer title to the property, but it does n't affect the original terms of the Note. Since you 're a customer under the Note, we 'll continue to report this account under your name to the consumer reporting agencies. On XXXX XXXX, XXXX, we mailed you a notice that we were making a change to our servicing system. We did not open a new account for your loan, we simply moved your existing account to another servicing system within XXXX XXXX. Effective XXXX XXXX, XXXX, your loan number changed from XXXX to XXXX. The account is currently due for the XXXX XXXX, XXXX payment. 

I have never been contacted with any of this information. Ever. I am willing to submit my home phone number logs ( XXXX XXXX XXXX or my cell phone logs ( XXXX XXXX XXXX as evidence in Federal Court to prove that they never bothered to attempt contact. As I am a XXXX XXXX XXXX XXXX, they have committed a Felony under XXXX XXXX XXXX. XXXX XXXX continually commits the exact same type of Fraud that they were convicted of in Federal Court. Also, they FAIL TO MENTION that they CHANGED the note WITHOUT my signature or consent, their OWN paperwork shows where my SIGNATURE is REQUIRED, yet they changed the NOTE at that point. 

The CFPB seriously needs to investigate this. I have contacted the FBI and HSI concerning this matter. They have BOTH said what XXXX is doing is ILLEGAL yet it does not meet their threshold for prosecutions. The CFPB needs to investigate and prosecute XXXX. XXXX can not have it both ways they can not deem my rights as primary signor null and void, materially modify the terms of the mortgage, and then set up a new mortgage account all the while telling me that I am still responsible for the note that is not the original note that I signed.
Consumer complaint received 2018-01-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (SC)

I had my debit card stolen and fraudulent activity took place on XXXX XXXX 2017 call to report several unauthorized charges. Bank started a claim for these charges but did not tell me they would file old charges that were 60 days over time allowed. Provisional credit of XXXX and XXXX was put in my checking acct. A week later the XXXX credit was reversed leaving my act. a negative balance of XXXX. I do n't agree with this because i got no letters warning me of this and after contacting the bank the claims department states there working on getting this XXXX back from the merchant which will take 45 to 90 days if the merchant settles in the main time Iam left with a negative account.
Consumer complaint received 2018-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

Upon checking my report on XX/XX/2018. many of the accounts are now showing a different status. Once again showing the miss reporting of the credit reporting agency.FCRA LAWS and mandated METRO 2 format COMPLIANCE regulation requires ANY and ALL data reported be CERTIFIED as CORRECT COMPLETE and exacting in TESTIMONIAL TRUTH affirming the FACTS of every aspect of lawful standing and reporting I DO NOT AUTHORIZE you to RETAIN or report other.How can the credit reporting agencys continue to hold me at fault when it is finally clear that they are miss reporting everything on the account. someone needed to be held accountable and this removed. this was not my doing but i have been victimize.
Consumer complaint received 2018-07-19
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Delta Management Associates, Inc. (MO)

On XX/XX/2018, a garnishment was granted against me for the amount of 15 %. I am paid weekly as a XXXX for XXXX XXXX. 

The garnishment has been in effect and active since XXXX. 

The agency processing the garnishment is Delta Management. I  received no prior notice of the garnishment. I understand that this is normal with federal student loan collections. 

Delta Management has now taken to calling the company I am assigned with, XXXX  XXXX XXXX. It is a highly sensitive company that deals with consumer issues. To get calls regarding me is not a good look and puts my employment in jeopardy. For the past two weeks, a XXXX XXXX has been calling various departments asking questions about me. He left this number and extension, XXXX XXXX. 

Please advise as to what rights and options I have to make this stop. The garnishment is being paid there is no reason to contact my assignment. I work for XXXXXXXX XXXX and not XXXX. 
The lien is for {$200000.00}. If you get me fired, then I don't understand it is expected for me to pay off this debt.
Consumer complaint received 2018-10-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (FL)

So in XXXX a credit card from Sear 's was opened in my name. In XXXX I was XXXX years old, also when I contacted sear 's in regards to it, they had my incorrect birthday on file in which they would not let me verify the account because of that. Secondly, I was never notified of this debt in the amount of {$1300.00} at all, there was a levy placed on my entire checking account on XX/XX/XXXX in which they took all of my money out of it. This account was fraudulently opened in my name and I am unsure how to go about rectifying this matter. I have XXXX small children and bills to pay and they have taken all of my money for this fraud act against me, it is unfair. The debt is over 11 years old, why are they coming now?
Consumer complaint received 2024-11-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I notified the three, that I was a XXXX XXXX XXXX XXXX and provided documentation of court order and attorney demand for action. I have ground and damages from this incorrect information being reported and considering a lawsuit. 
XXXX : XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX XXXX XXXX XXXX, TX XXXX TransUnion : XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX
Consumer complaint received 2018-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

Upon checking my report on XX/XX/2018. many of the accounts are now showing a different status. Once again showing the miss reporting of the credit reporting agency.FCRA LAWS and mandated METRO 2 format COMPLIANCE regulation requires ANY and ALL data reported be CERTIFIED as CORRECT COMPLETE and exacting in TESTIMONIAL TRUTH affirming the FACTS of every aspect of lawful standing and reporting I DO NOT AUTHORIZE you to RETAIN or report other.How can the credit reporting agencys continue to hold me at fault when it is finally clear that they are miss reporting everything on the account. someone needed to be held accountable and this removed. this was not my doing but i have been victimize.
Consumer complaint received 2018-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

I have disputed the late payments on this XXXX XXXX account for months. XXXX  and XXXX  have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I cant seem to get through to a human on the phone so going this route to hopefully get this resolved. There is an inquiry still showing on my report that was not authorized by me as the consumer. It is preventing me from being able to use my credit. I demand they be removed immediately because they go against my rights as a consumer to report inaccurate & fraudulent information on my report.. XXXX XXXXXXXX XXXX Thank you for resolving this matter promptly
Consumer complaint received 2018-07-19
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: ResidentCollect, Inc. (FL)

Innovative Recovery Inc is reporting a collection account to all 3 credit companies in the amount of {$840.00} this is not my account I have been disputing this account for a long time. I need written confirmation that this is my account. 
Thanks.
Consumer complaint received 2018-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TN)

This USAA FSB account # XXXX is Paid-in-Full and Closed.  However, XXXX  CRA and XXXX  CRA continue to incorrectly report as Open.
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

" " I recently reviewed my consumer report and noticed an incorrect late payment record on my ( CHANGE TO NAME OF BANK ACCOUNT ). I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. '' '' "
Consumer complaint received 2018-07-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

This company had an outside agency which did not disclose there name or number call me and my husband which is not on my loan or a reference leaving threatening messages on both of our voicemails stating they will find me I cant hide they have my SS # and they will find me so I called them and set up a payment arrangement that is for more than what I originally took the loan out for which I already paid I was making the payments and missed one and the lady called leaving the same threatening messages.
Consumer complaint received 2018-10-30
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. (WA)

Experian reports that I filled Bankruptcy chapter XXXX in XXXX, which I did. But that case was converted to chapter XXXX and discharged in XXXX. But Experian doesn't report it. I was denied a credit because Experian reports a pending bankruptcy. I filed a dispute to correct the information. The answer was That record is certified and remains on my record. I didn't ask to remove. I just asked to update the info. I couldn't find any way to update my dispute and was reffered to this web site. How can I update my information since Experian refused it? 
P. S. XXXX and XXXX report correct information.
Consumer complaint received 2018-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (MA)

My husband and I got XXXX XXXX / XXXX XXXX XXXX ONLY so that I could get Mosaic status. The invitation was in his name so, somehow HE became the primary account holder. I called and asked how I get Mosaic status and the rep TOLD ME " ... just spend $ XXXX ''. I fly EVERY week for work. He never travels. I put an entire kitchen renovation on this card to get to $ XXXX. And now that we've reached the $ XXXX threshold, I'm told that only HE gets Mosaic status, not me!? And they can't switch the primary account holder ( even though my credit score is better than his ) or transfer the Mosaic status!? How do I resolve this?! I've been  putting absolutely everything on this card and NOW they say this benefit only applies to him!? That's NOT what the rep told me when I opened the card! Completely deceptive and unacceptable!
Consumer complaint received 2018-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (NV)

Contact Information XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Does not report the correct date of last delinquency. All of the payment information is incorrect and the debt which was charged off in XX/XX/2012 has been sold to a company that shows that I have been making payments which is incorrect. This company has re-aged my account which will impair my credit further. My understanding is that when a company willfully reports false information that it is a violation of The FCRA and must be permanently be deleted from my credit report. This makes this debt look like it is a new debt when indeed it is well past the SOL and is set to drop off of my credit report but now will be extended if this illegal practice is allowed.
Consumer complaint received 2024-10-19
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Rent Recovery Solutions (VA)

Upon recent review of reports furnished by XXXX, XXXX XXXX XXXX, I noticed an unfamiliar third party I have no business association with, in possession of my private, non-public financial information without my consent. 
On XX/XX/ a Certified CEASE & DESIST notice XXXX XXXX XXXX XXXX XXXX XXXX was delivered to RENT RECOVERY SOLUTIONS exercising my right privacy & to Cease all communication directly or indirectly through any mediums & pursuant to Financial Privacy RuleXXXX XXXXXXXX XXXX XXXX, section 6802 to Cease & Desist the unauthorized sharing, use & possession of private my non-public financial information within thirty days. 
RENT RECOVERY SOLUTIONS has not produced competent evidence of my authorized written consent to be in possession of my non-public information within thirty days. 
I obtained updated credit reports from XXXX XXXX XXXX XXXX RENT RECOVERY SOLUTIONS has continued communication & maintains unauthorized use & possession of private, my non-public financial information without my consent.
Consumer complaint received 2018-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NJ)

I had a previous complaint XXXX about my credit card experience. I offered a solution that if it didn't work out I want to close my accounts.They tried minimum efforts to work out a solution with me: I was on a international travel and missed one call (only one call on XX/XX/XXXX) from their account manager XXXX XXXX. Instead of emailing me to schedule another call, she closed all my accounts including 4 credit cards and 2 bank accounts without my permission on XX/XX/XXXX.I was shocked when I found my saving is XXXX when came back, so I contacted the banking department to find out what's going on. They said that I personally called to close the accounts, which I never did. I suspect that XXXX XXXX stole my identity to do that.Later on, my credit cards was declined during purchases. So I called their credit card department and finally had a chance to speak with XXXX XXXX. She said I asked for it, like she never had a chance to read my complaint and solution suggestions. I listed the possible solutions on the complaint but she has no right to close my account without my written or spoken confirmation.This caused me so much trouble these days that my direct deposit has nowhere to go, my purchases was declined and I had to run to other banks to open account in the blizzard.Btw I never had credit issue, late payments or suspect ML activities.I've always been an active and royal customer with Citi but this time they did way over the line. XXXX XXXX  is not the right person to do this job.
Consumer complaint received 2018-07-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (PA)

Received correspondence today XX/XX/18 that my home ( XXXX XXXX XXXX XXXX, XXXX PA XXXX has foreclosure sale date of XX/XX/18. Wels Fargo Home Mortgage did not notify me of this action and im only outstanding for 2 Months payment. This is a shocker, because I made payments totaling $ XXXX months of XXXX and XXXX notwithstanding being unemployed, and monthly payment is $ XXXX/month. I have been in correspondence with them and no one informed me of such action