davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-04
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: PNC Bank N.A. (NC)

PNC BANK AND XXXX CARD ACCOUNTS ARE BOTH FRAUD AND THE ADDRESSES OF XXXX XXXX XXXX XXXX, XXXX XXXX NC XXXX AND XXXX XXXX XXXX XXXX SC XXXX, THE POLICE OFFICER SAID THAT ADDRESS IS NOT EVEN IN XXXX AND THE ADDRESS IN XXXX XXXX WAS BURNT DOWN YEARS AGO AND IS OWNED BY THE CITY. XXXX XXXX ADMITTED TO BUYING A CAR IN MY NAME AND USING XXXX XXXX AS FINANCING, XXXX XXXX IS MY SONS EX WIFE AND THEY BEEN DIVORCED FOR OVER 7 YEARS. XXXX WAS ARRESTED FOR THIS CRIME BACK IN XX/XX/XXXX FOR A FRAUD LOAN WITH PNC. I CONTACTED PNC BANK WHEN I HAD A INQUIRY THAT WAS ALERTED TO ME ON XX/XX/XXXX FROM XXXX   AND I CONTACTED PNC BANK AND TOLD THEM I DIDNT APPLY FOR NO LOANS AND THE GENTLEMAN IN THE FRAUD DEPARTMENT SAID HE WOULD HAVE THE INQUIRE COME OFF AND HE'LL STOP THIS ACCOUNT THAT WAS OPENED IN MY NAME, WELL I GUESS THEY FORGOT. I A RETIRED FEDERAL JUDGE AND IVE NEVER HAD ANYTHING ON MY CREDIT THAT WAS BAD AND FOR THIS BANK TO GET POLICE REPORTS AND FTC REPORTS AND COURT DOCUMENTS SHOWING I DIDNT GET THIS LOAN AND THEY STILL WANT REMOVE THIS ACCOUNT IS CRAZY, NEXT STEP IS TO FILE A FEDERAL LAWSUIT AGAINST PNC BANK AND ASK FOR SHOW CAUSE BECAUSE EVEN THE DEALERSHIP STATED THEY DIDNT XXXX HAVE A DRIVER LICENSE ON FILE AND THE LADY HAD BLONDE HAIR AND WAS PRETTY YOUNG WHO BOUGHT THIS TRUCK. THE DEALERSHIP TOLD ME TO ORDER THEM TO COME TO COURT AND THEY WILL BE GLAD TO SHOW THE VIDEO OF XXXX SAYING MY NAME AND THEY THE ACT OF FRAUD WILL BEGIN ON THE BANKS SIDE FOR KNOWING THIS AND NOT DOING WHAT THE FAIR CREDIT ACT STATES! PLUS IVE ASKED PNC BANK FOR THE COPIES OF THE CONTRACTS AND STILL NO ANSWER.
Consumer complaint received 2020-09-04
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: ENCORE CAPITAL GROUP INC. (GA)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2020-09-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TRUIST FINANCIAL CORPORATION (NC)

BB & T # XXXX has a incorrect balance reporting due to fraud. Charges applied were not made by me. I tried to call bank but had long hold time. Disputed with credit bureaus and made a formal complaint. I can not locate card so I assume it was stolen or dropped. The card should be closed as lost/stolen. I'm not sure how long its been missing because I hadn't been using it. I refuse to pay for something I didn't charge. Reporting it as such is unfair it's illegal. Please help me resolve this matter amicably and swiftly.
Consumer complaint received 2020-09-04
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: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2020-09-02
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (LA)

I was offered a consolidation of my federal student loans buy sallie Mae over ten years ago. That loan is now with Navient. I was not informed that it would become a private loan. I was struggling as a  single parent and have many health problems. I am now laid off due to coronavirus and because this huge loan is now PRIVATE the forbearance of payments and interest until XX/XX/XXXX is not applicable. Over the years I was talked into taking forbearances by Navient because I couldn't afford the monthly payments. My loan has gotten higher and higher. I am XXXX and these loans are from almost 20 years ago. They claim to have forgiveness programs but that is not what they are. They are rigid and lengthy and you really end up paying everything back and a lot more. I was young, naive and on my own. Had I known better I never would have gone to college. I will likely be dead before this loan is payed off. They should not be entitled to use the word FORGIVENESS because it is a euphemism for " we will take everything you have until you are done. '' This has become the centerpiece of my life. I feel hopeless along with millions of other borrowers. I have worked like a dog my whole and pay taxes on the necessities of life and then get taxed on my income to buy those necessities. If any REAL forgiveness is ever established by the government I am screwed because I was railroaded into a PRIVATE consolidation. What they did was deliberately deceiving and the should be held accountable. I may now have to file for bankruptcy in the hopes that I can enjoy the rest of my few good years left.
Consumer complaint received 2020-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Bread Financial Holdings, Inc. (NY)

I opened a Wayfair store credit card a little over a year ago. Everything was going well and I never had an issue. A few months ago I received a notice that my Wayfair card would be converted into a XXXX. 2 Months ago I noticed Wayfair removed the Credit Card and its history from all 3 of my credit reports. My credit score has dropped over 50 points because of this. Im requesting you add the tradeline back to my Credit Reports.
Consumer complaint received 2020-08-08
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Prosper Marketplace, Inc. (TX)

My wife and I sought a {$35000.00} loan to assist with medical expenses. I'm the one who works, she stays home with the children. Right from the start, things went sideways. Instead of {$35000.00}, we only received {$32000.00}. I'm working full time, so I don't have the time to call Prosper. Anytime my wife called, she was put on hold for 10-15 minutes at a time, no matter what time of day it was. So we never got a clear answer about why this was, other than some vague story about the remaining {$3000.00} being applied to interest at the end or something. We then started making payments, which were due on the XXXX of each month, of about {$900.00} a month. I tried to get ahead on principal payments. They first told me that I could only make principal payments on the XXXX of each month, otherwise any payments I make would just go to the net months scheduled payment amount. Ok, fine. In the second week of XX/XX/2020, I made the {$900.00} payment and waited until XX/XX/XXXX to make a {$4000.00} principal payment. There's interest applied to both payments. What in the XXXX?! I called them up to find out the problem. THIS TIME they told me that anytime I make an early principal payment before the payment date, interest is taken out, and then new interest is due on the payment date. WHAT THE XXXX IS GOING ON HERE?! And then, after I seek clarification of these two different payment explanations, I'm put on hold for 15 minutes and then disconnected.
Consumer complaint received 2020-09-03
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WAKEFIELD & ASSOCIATES, INC. (AZ)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt,  please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986,  s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice,  and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Consumer complaint received 2020-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I recently reached out to XXXX XXXX mini of times indicating that this account was fraudulent I have also filed a police report a consumer protection bureau, And I have also filed a report with the federal trade commission ... ... under federal law because My identity and/or my Social Security number was used fraudulently under federal law XXXX must remove/ report This information to the creditors and remove this negative information off of my report under federal law Section 623 ( a ) ( 2 ). 
Section 605B
Consumer complaint received 2020-09-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF THE WEST (NV)

Hi, This concern is with Bank of the West. 

I opened an account after the loan officer at a branch encouraged me to open an account being the checking account would be free because of my new loan. I took his advice and decided later to open a checkingaccount with bank of the west. 

A few months later, I was impacted by Covid19 and bank of the west helped me push off a few of my payment 's due to my job loss. 

I received a notice my account being negative by around {$10.00} and advised over the phone my account is being charged off unless I got to a branch a pay the balance ( which I did ) and have a receipt. 

My concern is I was advised I had a free account. I got in the negative because of service fees associated to the checking account. I felt mislead by the company. 

I called today the 800 number for customer service to ask if my account was closed in bad standing and if I would be reported negatively with any credit reporting agency. The agent said I have to speak to the branch at phone number XXXX. Spoke to a woman and she said I don't know why the phone agent transferred you there because back office is handling this. 

I asked for direction to assure I am not being reported negatively and the account is being closed with a XXXX  balance. Neither person was able to answer and was unsuccessful in obtaining the information.
Consumer complaint received 2020-09-03
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Diversified Adjustment Service, Inc. (AZ)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Consumer complaint received 2016-09-25
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: REGIONS FINANCIAL CORPORATION (GA)

I recently open up an account with XXXX XXXX. I then enable online banking. Once in online banking, I tried to enable online Bill payment. I was told that I could not do that as the XXXX party company ( XXXX ) who handles online bill payment had marked my name with a red flag. The reason for this is that someone had opened up an account at Regions bank XX/XX/2013 and Regions bank had then closed that account. I then called Regions Bank, and they told me to go in person to a local Regions bank branch to fill out and identity fraud form which I did. I then got a letter from Regions stating that my name had been cleared. I then go back to XXXX to see if they could enable my bill paymnet, but still my name is not cleared in the XXXX system. I then contact both XXXX and Regions to see my next step. XXXX was no help at all as they are saying it is Regions bank. Regions bank is saying they do not see anything flags ( even in there XXXX system ) that my name is flagged. I got a name of the person who had wrote the letter stating my name is clear, but after 6 attempt to call him and left a voicemail everytime, I am still not hearing anything. My complaint is against both Regions and XXXX as I am stuck in between these XXXX companies and unable to figure out what to do next.
Consumer complaint received 2020-11-20
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. (GA)

EQUIFAX has refused to delete a collection account from my credit report even after the collection agency that initially furnished them with the information sent them a delete letter and an auto delete request. After I initially disputed this with EQUIFAX the account was changed to PAID but remained on my report with a XXXX balance. I contacted EQUIFAX again and provided and provided the letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MDS ) sent to all the credit reporting agencies on XX/XX/2020 asking them to delete the collection from my credit file. Whereas XXXX  and XXXX  deleted the collection from my credit file EQUIFAX went ahead and changed the status of the account to UNPAID. 
I have called EQUIFAX many times and uploaded the letter from XXXX ( see attached. ) When I called them yesterday ( XX/XX/2020 ) they acknowledged receiving the letter from me but stated they can not delete the collection because they allegedly have not received it from the information furnishing company. I offered to forward them the email from XXXX stating that the letter was sent to ALL the three agencies and also attempted to give them the AUTO DELETION number XXXX provided by XXXX on XX/XX/2020 but they refused to take it. This has significantly affected my credit rating and hindered me from moving on with important family projects.
Consumer complaint received 2018-01-18
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. (NY)

I 've called XXXX XXXX regarding 2 late payments, payments was sent but was not credited on time, they said they investigated an it was no problem on their side. I disagree and now credit report is showing late payment. I 've had account for 4 years with no late payments.
Consumer complaint received 2020-09-03
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Convergent Resources, Inc. (AZ)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Consumer complaint received 2020-09-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

In XXXX of XXXX  minimum payment was not processed had my account setup on autopay my bank account was never debited on the due date witch resulted in me getting a late payment on my credit file reach out to the company and they told its non thing they could do for me but next month the payment went through with no problem. The late payment is stop me from getting a mortgage for my first home.
Consumer complaint received 2020-09-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (CA)

i have a citi account that is reporting on my credit and i have never had a card nor account issued with them. it states that it was discharged through a bankruptcy but i never filed such a thing. and they have my name wrong it states XXXX XXXX XXXX XXXX. that is clearly not my name. i have sent three letters to citi bank and i never get a response from them. i sent all these certified mail dating back to XXXX XXXX the alleged account number is XXXX
Consumer complaint received 2020-08-07
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: Experian Information Solutions Inc. (TX)

experian won't let me dispute online XXXX  won't let me look at my credit online ftc violaitons on accounts and addresses XXXX is my middle name not XXXX  XXXX XXXX XXXX XXXX is correct they have XXXX XXXX XXXX not mine never used it like this XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, TX XXXX address not mine
Consumer complaint received 2015-12-27
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

We opened a Bank of America mortgage in XXXX XXXX. We have since went through XXXX modifications with them in which we were told not to make payments on our current mortgage until our modification was approved. Once our loan was modified our payments were not shown as made on time and our new balance on our loan was never shown. We have also been on time with payments since the beginning of XXXX but Bank of America shows XXXX, 30 day late payments at the end of last year. I have the receipts showing when those payments were made and still Bank of America and the credit bureaus have refused to remove the 30 day late marks on our credit.