davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (MN)

In XX/XX/2021, I received a notice from XXXX XXXX XXXX, MN that not all of my RE property taxes were paid. I called BSI Financial and notified them that our property has 4 separate property identification numbers. I also notified them that 3 of the 4 RE taxes were not paid. I gave them the parcel numbers and was informed that I would not be assessed any penalty for this error. In XX/XX/2021 I received another notice from XXXX XXXX XXXX, MN indicating that the RE taxes for 3 parcels were still delinquent. I called BSI Financial indicating once again that they did not pay all of the RE taxes on my property and sent them information to their customer care email address. On XX/XX/2021, I called XXXX XXXX XXXX and was informed that 2 parcels still have outstanding RE taxes. 
I have 4 property ID 's : XXXX -- unpaid RE taxes of {$1200.00}, due before XX/XX/2021 XXXX -- unpaid RE taxes of {$2.00}, due before XX/XX/2021 XXXX -- RE taxes are paid XXXX -- RE taxes paid ( I paid these in XX/XX/2021 ) I have called BSI and have left two very detailed voicemail messages for XXXX XXXX, XXXX x XXXX with no response.
Consumer complaint received 2021-12-15
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. (TX)

I have sent address update/remove to the credit bureaus XXXX different times. XXXX, Transunion, and XXXX has yet to update my report with my recent and only address. I've sent sworn affidavit with the correct address. The address XXXX, Transunion, and XXXX continues to report is another persons or family address. 

I have had my personal information stolen within the past year and half to two years ago. I do not want my information being fraudulently used. Please help me with removing these inaccurate addresses and adding my current and only address to my credit profile. I am in fear of Identity theft if this wrong information continues being reported.
Consumer complaint received 2021-12-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TOYOTA MOTOR CREDIT CORPORATION (FL)

XX/XX/2021 I request a payoff for a XXXX XXXXXXXX for XXXX XXXX XXXX XXXX 
They gave me a list with PAY OFF STATE TAXES BATTERY FEE FL DOC STAMPS LICENSE TIRE FEE PREDELIVERY SERVICE CHARGE ELECTRONIC FILE TAG AGENCY In the end I have to pay just payoff, state taxes and doc stamps Now I am trying to payoff my XXXX with XXXX XXXX and they said that is mandatory to pay all these fees, not only payoff and state taxes PAY OFF {$24000.00} STATE TAXES {$1600.00} BATTERY FEE 0 FL DOC STAMPS 0 LICENSE {$250.00} TIRE FEE {$0.00} PREDELIVERY SERVICE CHARGE {$790.00} ELECTRONIC FILE {$230.00} TAG AGENCY {$57.00} TAG AGENCY
Consumer complaint received 2021-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (DE)

XX/XX/2021 I sent notice to remove the alleged bankruptcy. I also attached the proof that XXXX removed the item since they furnished it. In XXXX I also sent notice that the bankruptcy sent stating that they do not give information to XXXX. Im demanding an audit trail and the original instrument 15 U.S. Code 1692g ( IM DEMANDING VALIDATION & FULL AUDIT TRAIL ) attached is also my FTC report for this items.

15 U.S. Code 1692g - Validation of debts U. S BANKRUPTCY ( alleged filing and a copy of the court docket ) 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) : ITEMS MUST BE DELETED DURING NOTICE OF THE DISPUTE FROM THE CONSUMER
Consumer complaint received 2016-04-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (WV)

The investigation came back that the tax lien belonged to me even though the social security numbers are clearly different. I had experian do the same investigation and they fixed it in two days. Equifax took three weeks to tell me it really does belong to me. I want this item removed.
Consumer complaint received 2021-12-14
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: Experian Information Solutions Inc. (VA)

Hi whats going on? My name XXXX XXXX and my SSN is XXXX l and I sent a letter which is dated on XX/XX/2021 to reinvestigate some inaccurate and misleading information on my report but its been over three months now I still havent got any response from your agency. According to the FCRA your organization is suppose to provide reponse within 30 days but its seems youre taking things lightly. I've done my research and I know my rights as a consumer. You guys seem to be ignoring my letters probably thinking that i dont know anything about the law but if you continue to ignore my message i will hire a consumer rights attorney to deal with you. I will be waiting for your positive response in this matter. Thank you
Consumer complaint received 2021-12-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (IN)

On XX/XX/2021 at about XXXX am, I used a PNC ATM to deposit {$700.00} cash into my XXXX checking account ( using my XXXX debit card ). I put my debit card in ATM, put in my XXXX pin #, selected deposit to primary checking account, then inserted 7 {$100.00} bills in the deposit slot. 
The machine spit out my debit card, but kept the cash I put in. I immediately contacted XXXX and they told me PNC had to fix the problem. I then went to the PNC branch where the ATM was located. They told me XXXX had to fix the problem since it was a XXXX card used. Every day since, I have spoken to several people at both banks and keep being sent from one back to the other. XXXX did file a dispute but immediately denied it saying they saw now evidence of me attempting a transaction. PNC refuses to file a dispute because it was a XXXX debit card transaction attempt. With neither bank willing to help me, I am out {$700.00} and likely will never see my money again! Its a PNC ATM ( pics attached ) but they say its a third party that services their ATMs. All it takes to resolve this issue is for one of the banks to do whats right and file the dispute so they can get the money in my account. PNC admitted they were having ATM problems for a few days, and the machine doesnt print receipts either ... which would have helped alot. This is alot of money to just watch it disappear. This has now put me in a financial burden thanks to 2 banks ( that im a customer of both ) not being willing to fix it! Honestly, this is pure theft but I dont know where to go for help. 
XXXX XXXX
Consumer complaint received 2021-12-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

Santander Bank refutes to let me bank online because it repeatedly and adamantly demands that I give it a cellphone number! I have repeatedly stated to the branch manager, XXXX, New Jersey, that I do NOT have a cellphone and so do not have a cellphone number. I repeatedly stated that I have given the Santander Bank my land telephone number, my Social Security number, my driver 's license number, and my home address!

But still the Santander Bank is not at all satisfied and continues to demand what I do not have!

This is absurd and preposterous and XXXX and XXXX and lacking in all common sense and sound judgment!

In short, the Santander Bank for the reasons given is being totally and completely XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX XXXXXXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-05-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

XXXX XXXX didnt provide me with the agreed upon paper or electronic statement for two months. No paper statements ever got to me and then gave me a call on XXXX for the XXXX time. They explained I had a late payment for a bill of about {$12.00}. I explained back I never got a notice or any reminder of that in any possible way other than promotional emails and routine emails. I was promised that if I pay on the phone entire amount plus XXXX month ( not XXXX months! ) of late fees, there will be no problem with credit reporting or anything else. I paid all in full as agreed upon on this first call I got form XXXX. Same day I saw to my surprise and against all that was explained to me on the phone that my account was reported delinquent by XXXX. I called back several times to talk to the XXXX but they didnt want to help or explain why the reporting happened after my account was fully paid. In addition, they only send me a notice to dispute the status of the account only after it was in good standing.
Consumer complaint received 2021-12-14
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: BARCLAYS BANK DELAWARE (FL)

XXXX, I'm writing to obtain information concerning unauthorized credit card transactions. I have one credit card & 3 debit cards. All of these financial vehicles have been compromised on multiple occurrences since XX/XX/2021. 

I have reported the fraudulent transactions to the respective financial institution. Each has closed the account, investigated the transactions and issued new cards to me. However, the fraud continues. 

Recently, I've received three replacement credit cards ( from the same institution ) over the last 3 weeks due to systemic fraud charges. My credit card company reports they can't identify the culprit. I've contacted the 3 credit reporting bureaus ; thankfully there is not evidence of identity theft ( new credit accounts ). 

Finally, I've scrubbed our electronic footprint ( computers, etc with antivirus scans ). 
I'm hopeful you can provide guidance on any steps I can take to stop the unauthorized fraud charges. 

XXXX
Consumer complaint received 2021-12-14
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the XXXX AND THE XXXX data breach and may have gotten into the wrong hands.
Consumer complaint received 2024-08-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (CT)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX To Whom It May Concern : I am writing in regards to an alleged debt with Midland Credit Management Acct XXXX XXXX that your company has on my credit profile. I am requesting Assignment Contract of the debt details. The Fair Debt Collection Practice Act requires debt collectors to validate the debt upon request. Can you provide the name of the original creditor as well as the account number associated with the debt. Proof that I am the person who owes this said debt along with the original amount of said debt, I would also like and itemized statement showing how the current balance was calculated. Documentation stating that your company has legal authority to collect on this debt. I XXXX XXXX am not ADMITTING OWNERSHIP OF THIS SAID DEBT until debt is proven valid. Per The FDCPA you must seize all the collection efforts until your company has proven proper validation of Debt. I am disputing the validity of this said debt please provide the requested documentation in writing and you have 30 days to do so. At any state you fail to comply with validating the debt it will be taken as absolute refusal to do so. This is also being reported as income to the IRS per a 1099C Be advised that if it is found your offices have made a report with false information to XXXX, XXXX, or XXXX XXXX this may constitute fraud in both Federal and State law. If you are working on behalf of the creditor, you will also need to provide Details of your company and license of authority The date of your license agreement The name on the license License Number Registered address and telephone number of the license provider XXXX XXXX
Consumer complaint received 2021-12-14
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (SC)

I opened an Express Credit Card on XX/XX/2021 with COMENITY BANK and made a purchase. I received the purchase on the XXXX of XX/XX/2021. On XX/XX/XXXX I went online to register my account so when the first payment was due my account would be set up. I discover that there was a payment due on XX/XX/2021 but I had never received a statement to let me know this. I paid the card in full and messaged them that I did not receive a statement and please do not charge me a late fee and interest. I get a message back that no fees have been charged yet when the card closes out they charge me a late fee and interest. I message them again and ask them to REMOVE the LATE FEE and INTEREST. They remove the late fee and {$.00} of the {$7.00} in interest. I have been fighting this for months through messages, phone calls and sending dispute letters, Now that {$7.00} in interest from the first fee charges has turned into {$130.00} in FEES and INTEREST ONLY. I have paid for all my purchases in full and have never missed a legitimate payment. They just refuse to stop this FRAUD. Pure fraud by charging fees on top of fees that were never owed in the first place. I am at my wits end because they are going to continuing adding late fees and interest until {$7.00} turns into hundreds of dollars.
Consumer complaint received 2021-12-15
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: EQUIFAX, INC. ()

PAN NO. XXXX Name : XXXX XXXX XXXX This is regarding a credit score report sought by my bank for a Loan where one my loan that has been closed long back is still showing as open or delayed. I am sharing herewith the XXXX from the loan provider for necessary corrections and resending the mail to my bank XXXX, XXXX, XXXX, XXXX so that the necessary approvals will be accorded in time.
Consumer complaint received 2021-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (FL)

Comenity Capital Bank XXXX XXXX XXXX XXXX, OH XXXX Attn : Credit Disputing Department XXXX XXXX : Requesting Removal of 30 Day Negative reporting to all XXXX credit reporting agencies [ XXXX XXXX XXXX XXXX XXXX _ _ _ _ _ _ _ _ _ _ _ _ _ _ ] My name is ______________ and Im a XXXX XXXX XXXX XXXX XXXX Im writing you today because it was brought to my attention yesterday ( XXXX ) by XXXX XXXX XXXX from Comenity Capital Bank XXXX that my account was 30 days past due. 

If youre able to check my payment history, I always paid my account in FULL every billing cycle since Ive had my account with your bank/ Bjs membership. 

On XX/XX/2021 the financial institution that I use to pay my Bjs account, which is XXXX XXXX XXXX XXXX ( last XXXX XXXX ) was compromised and they immediately closed my checking account pending investigation ( please refer to the accompanying letter from XXXX XXXX, verifying my claim ). 

I always attach auto-pay to all my accounts, so I wouldnt come across problems like this ; oddly enough XXXX XXXX had assured me that theyd pay all incoming debits for 60 days as a courtesy, but they dropped the ball this time. I wasnt able to verify which creditors were connected to that account for payments because they totally removed the entire account information/ history from their website. 

Id appreciate it if you would notify the ( XXXX ) XXXX credit reporting agencies to reverse the 30 Day Negative report made [ XXXX XXXX XXXX _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ ]. It affected my XXXX score drastically, it went from XXXX all the way down to XXXX due to such reporting. 

Regards,
Consumer complaint received 2021-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I am still disputing the collection with Equifax for a cancelled policy that was phoned in and cancelled with XXXX XXXX. Their collector XXXX is informing that the amount due is XXXX however I received an email from XXXX informing of a diffferent amount XXXX. I am extremely frustrated with this as I have forwarded them a copy of the email with NO RESULTS. I will pay the XXXX but would like the matter to be corrected first.
Consumer complaint received 2021-12-15
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. (FL)

I CHECKED MY CREDIT AND NOTICED THAT POSSIBLE FINANCE PLACED A FRAUDULENT ACCOUNT ON MY PROFILE WITH XXXX AND TRANSUNION FOR THE AMOUNT OF {$60.00} PLACED LATE PAYMENTS ON THIS ACCOUNT AS WELL. THIS ACCOUNT SAYS PAID BUT XXXX IS NOT MY ACCOUNT AND NEEDS TO BE REMOVED! I ALSO SAW THAT THERE WAS XXXX STUDENT LOANS THAT WERE PLACED IN MY NAME THAT ARE ON MY PROFILE AND IN FACT FRAUDULENT! THOSE STUDENT LOANS ARE DP OF EDUC DPT ED/NAVI! NEXT, I GOT AN EMAIL ON XXXX THAT MY INFORMATION HAS BEEN CHECKED AND I HAVE RECEIVED MULTIPLE INQUIRES THAT AREN'T MINE AND IN FACT FRAUDULENT! THE INQUIRIES ARE FROM XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  LASTLY I HAVE A FRAUDULENT INQUIRY FROM XXXX XXXX XXXX FROM XX/XX/XXXX ON MY XXXX REPORT. I HAVE NOT APPLIED FOR CREDIT ON XX/XX/XXXX OR XX/XX/XXXX! 

I WILL BE SUING FOR DAMAGES IF THESE ACCOUNTS ARE NOT REMOVED IMMEDIATELY.
Consumer complaint received 2021-12-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (NJ)

The nature of this complaint arises from the consumer ( XXXX ), being Hacked this past Friday. XXXX, was the victim of a scam as a result of being a XXXX XXXX customer. It appears that someone was trolling the XXXX XXXX and I was called back five minutes after dealing with the XXXX XXXX concerning a printer issue. Henceforth, XXXX was vulnerable to these financial crimes. XXXX learned this past Saturday, that the criminals hacked into his computer stolen the sum of {$400.00} and of that sum, monies {$150.00} were transferred to a online Bank using XXXX XXXX that operates in the virtual world. XXXX alerted his Bank ( PNC Bank Fraud Unit ), that Saturday. The Fraud unit took the report and locked his account. XXXX was told to go the the branch and open a new checking account and obtain a new ATM card. On MondayXXXX, XXXX did just that. The Branch Manger ( XXXX and his Associate, XXXX ) were on the phone to the Fraud unit for over an hour. XXXX, then suggested, he would call at home ; XXXX was on the telephone for Three Hours awaiting to speak with a Representative of PNC 's Fraud unit to unlock his old account and transfer his funds to the new account. 
The essences here is, XXXX was on the telephone on XX/XX/2021 for two hours trying to get his electronic banking set up and to get a explanation why PNC placed a hard hold on a check for {$42.00} in change or there about. There were plenty of funds to cover this check. XXXX has no- access to his money in his savings or checking account. He is told, that no one wants to work, and PNC is saving excessive amount of money running a Bank on a shoe string at the expense of the customers. This is clearly, unacceptable and not something any customer should tolerate. I can not buy the argument that no one wants to work. Maybe, it is the Bank does not want to pay, or hire older candidates.
Consumer complaint received 2021-12-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Hi whats going on? My name XXXX XXXX and my SSN is XXXX l and I sent a letter which is dated on XX/XX/2021 to reinvestigate some inaccurate and misleading information on my report but its been over three months now I still havent got any response from your agency. According to the FCRA your organization is suppose to provide reponse within 30 days but its seems youre taking things lightly. I've done my research and I know my rights as a consumer. You guys seem to be ignoring my letters probably thinking that i dont know anything about the law but if you continue to ignore my message i will hire a consumer rights attorney to deal with you. I will be waiting for your positive response in this matter. Thank you
Consumer complaint received 2021-12-14
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

I recently accepted a XXXX in Washington XXXX and was looking at some rental properties  to contact. XXXX property I found was listed for a XXXX XXXX XXXX. I sent him an email stating that I was interested in the rental and he immediately sent an email back going over the details. We conversed back and forth over email about the property and agreed upon a move in date as well as a lease. He then asked for first months rent, last months rent, a security fee, and a pet fee for the initial deposit. He asked that I write him a cashiers check and to deposit it into his account at Bank of America. I obliged and wrote the check out to him. After I took the cashiers check to Bank of America and deposited into the account he provided, I contacted him via email to let him know it was in and that i submitted it in his name. He immediately sent me an email back stating that i did it wrong and that it should have been submitted under his cooperate account name of XXXX XXXX. I became very concerned and called Bank of America to place a stop payment. They stated that it had already been deposited, and that the best they could do was put a hold on the account. After multiple conversations with individuals in different departments at Bank of America, I was finally told that I would need to reach back out to them on XX/XX/14 to proceed, that there is nothing they could do since the account was on hold until then. I went there this morning to resolve this and was informed that the account had already been emptied, and that Bank of America could do nothing for me since I wasn't an account holder. I then proceeded to contact XXXX XXXX and was told that there is nothing they could do either.