davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

I was a victim of identity theft several years ago. I have police reports, etc. I filed to put fraud alerts on my credit report and I disputed the information with the agencies. They have failed to supply me with any supporting documentation of the validity of the accounts and they have failed to remove them. There are in fact accounts that I had from 15 years ago that they are still reporting even though they are violating the FCRA, and the florida statue of limitations. I have not been able to obtain credit until a year ago and it was a very minute amount of credit. The credit reporting companies have ruined my life and my ability to even buy a home, and because of their violations I have been forced to file for bankruptcy which will now stay on my credit report for 10 years. They are not even accurately reporting the bankruptcy information properly.
Consumer complaint received 2016-05-30
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: EQUIFAX, INC. (NY)

XXXX XXXX XXXX collection copy has recently sent me a letter. Stating the removal of negative information off my credit report. This information has not been updated. I have since forward the infomation to the CRA. XXXX, Equfaix and XXXX. Please assist with having this information remove from my credit file. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2016-06-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (AZ)

On XXXX/XXXX/2016, I sent Equifax a dispute regarding XXXX XXXX account # XXXX XXXX XXXX XXXX, along with documentation showing a judgment in my favor on that account ( See Equifax Dispute XXXX, XXXX ). In its XXXX/XXXX/2016 response, Equifax stated, " We have researched the credit account. Account # - XXXX The results are : We verified that this item belongs to you. '' Equifax failed to delete the inaccurate account information. ( See Equifax Response XXXX ). 
I sent a second dispute on XXXX/XXXX/2016 ( See Equifax Dispute XXXX ). In its XXXX/XXXX/2016 response, Equifax stated, " We have researched the credit account. Account # - XXXX The results are : We verified that this item belongs to you. ( See Equifax Response XXXX ). 

Equifax failed to provide any details or documentation of its communication with XXXX XXXX or of any independent investigation. Additionally, Equifax failed to explain what information it is relying to " verify '' the account contrary to a court order of judgment in my favor. I would note that XXXX responded to the same dispute by immediately and properly removing the account from my credit file.
Consumer complaint received 2015-06-10
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: CHECK INTO CASH INC. (OK)

I was contacted by this company back in XX/XX/XXXX, they told me that I have an outstanding debt that I was never aware of for a payday loan back in XX/XX/XXXX. Stated that they were going to sue me for the funds. Afraid of legal action i agreed to make payments to them for the funds. After reviewing information online i am showing that this company is not a lawyer 's office but a collection agency. I am filing a formal complaint against their practices. To this day I have asked for paperwork showing the debt, but have never been provided the information.
Consumer complaint received 2017-02-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: R & B Corporation of Virginia (NC)

I have disputed Credit Control Corp ( Collections ) on two occasions and receive a reply back that the accounts are mine. I have never had an account with this company or agency and these are not my accounts. I ask for a signature or contract and it was never provided, this is unlawful and very unethical. once your respond to a dispute is sent electronically it falls off in 30 days in reference to original dispute case number. 
XXXX, XXXX NC XXXX, XXXX, XXXXXXXXXXXX SS # XXXX, DOB XX/XX/XXXX I have gotten married XX/XX/XXXX married name is XXXX ; however mail is still sent in my maiden name. 
Thank you
Consumer complaint received 2017-03-17
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Student Services (GA)

On XX/XX/XXXX, a large transaction in the amount of {$920.00} was debited from my checking account, made payable to the Department of Education. Previous monthly debits, for this company, were in the amount of {$75.00}. I immediately called Student Services, the company that had reached out to me in XX/XX/XXXX, offering to lower my student loan payments and get part of the loans forgiven under the guise of the Obama Student Loan Forgiveness Program. After hours of calling numerous customer care numbers, I still only had a recording answering my calls and no one had called me back. Finally, I called XXXX, the original owner of my federal student loans. When I mentioned the name " Student Services '', the representative paused, then carefully explained to me that " Student Services '' was a fake and I 'd been defrauded. I stayed on the line with XXXX for over an hour then called my bank, whom had already closed. The next day, I visited my bank regarding the fraudulent transactions and proceeded to the police department to file a complaint against Student Services.
Consumer complaint received 2017-03-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (CA)

I had public record for an eviction on my record which was from XX/XX/XXXX. I was able to fight it and it was taken off my credit report back in XX/XX/XXXX. I just checked my report yesterday and found that it was added back on my report, but this time 2 1/2 times the amount that it was. the name of the creditor is XXXX XXXX XXXX From what I understand they ca n't go add it after 2 years because of Statue of Limitations. I need to have this removed since it is a violation of my rights as a consumer. It is on all XXXX credit reporting agencies.
Consumer complaint received 2016-05-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (IA)

I attempted to send my documents and dispute online. with Equifax. I was unable to because the security questions did not match my information. When speaking to an agent on the phone, the agent became confused and switched my name, so that my last name is now my first name and my first name is now my last name. I am also now married with a different last name, which has only added to the confusion. I have gotten several emails indicating that my dispute is completed and I can check the status. All my attempts to check the status of my dispute have been unsuccessful, I believe because of these discrepancies of information. I only have until XXXX/XXXX/16 to check the status. I have checked my credit score through XXXX XXXX. Equifax is the only bureau still showing that my XXXX judgements have not been removed. I have legal documents to support that the judgements were paid off.
Consumer complaint received 2015-07-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CA)

Please accept this as a formal complaint against Equifax Credit Reporting. 
I am writing to dispute the following information in my credit file. I have circled the items I dispute on the attached copy of the report I received. 
This item XXXX Mortgage # XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX, a HELOC loan established XX/XX/XXXX with a balance of {$100000.00} shows as 'status : pays as agreed - activity description : transfer/sold ' is erroneous because the house that I owned was short sold back in XX/XX/XXXX. The account should show a 'closed status ' since I longer own the property located at XXXX XXXX XXXX XXXX , XXXX XXXX ( APN # XXXX ). 

Background info : Shortly after acquiring the property in XXXX in XX/XX/XXXX, approximately XXXX month later, XXXX XXXX sold the servicing rights to XXXX Mortgage ( which is what shows in my credit file ). The servicing rights were sold again to XXXX in or around XXXX ( is not reflected in my credit file ). XXXX filed for bankruptcy and the remaining assets were acquired by XXXX in or around XXXX including my loan, account number # XXXX. XXXX is reporting in my credit file as the loan remains outstanding. 

I am requesting that the item be either removed or corrected to reflect the account has been closed or settled to correct the information. This error is adversely affecting my FICO. 

Enclosed are copies of the all legal and recorded documentation indicating that as of XX/XX/XXXX I am no longer responsible for this property : Copy of The Substitute of Trustee & Deed of Full Reconveyance filed XX/XX/XXXX with the County of XXXX XXXX by XXXX XXXX XXXX Copy of The Full Reconveyance filed XX/XX/XXXX with the County of XXXX XXXX by XXXX XXXX XXXX Mortgage ( XXXX ) Outgoing wire sent by XXXX XXXX Title Company to XXXX for the short sale pay off dated XX/XX/XXXX Escrow settlement statement Short sale approval letters by both XXXX and XXXXPlease investigate this matter and correct the disputed items referenced above as soon as possible.
Consumer complaint received 2015-10-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: HW Holding, Inc (GA)

we have been contacted by hunter warfield collection agency approximately 5 times. each time we requested paperwork sent through the mail for official verification. each time I provided my address and each time I was told that I would receive it within 7-10 days. I have never received anything. the last time they called me they were extremely rude and disrespectful. they argued with me and said they sent it when they never did. we told them we had no problem paying them as long as we received something official in the mail. they argued, their supervisor argued and then they hung up in my face.
Consumer complaint received 2015-10-07
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HABITAT FOR HUMANITY INTERNATIONAL, INC. (AZ)

I purchased a home through Habitat for Humanity low income program in XXXX. The mortgage is serviced by XXXX Mortgage. I fell behind many times and have be able to catch up even filing bankruptcy in XXXX. I have not been able to resolve the fees charged by XXXX of XXXX to XXXX monthly starting XXXX. My mortgage is XXXX and I make XXXX an hour. I got a lawyer to help navigate in XXXX after not being able to catch up with a balance the added XXXX each year in fees. Habitat has not enforced their contract of XXXX late fee on a interest free loan. Its been in limbo and I have stopped paying money that never is applied to loan. I have XXXX XXXX XXXX assisting me to reduce the stress. I am XXXX years old. XXXX is stating about XXXX owed that accumulated since XXXX.
Consumer complaint received 2015-12-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (GA)

Informed by XXXX that the servicing rights to my mortgage loan was to be handled by another company and as of XXXX XXXX, 2015 they could no longer accept my mortgage payment. Also, informed by XXXX that they were missing a payment that I show through XXXX XXXX XXXX the payment was negotiated ( cashed ) as all payments are sent through credit union. XXXX also increased my escrow requirements more than XXXX just before the transfer and did not justify. I made contact with local tax office and insurer and the billings do not justify the increase. XXXX letter provided a number and address of SETERUS and the contact information failed to produce a person to speak with only a recording of information that is to come at a future date. XXXX says they can not correct the records even with proof as my account is now with this company that is only represented by a recording that goes into a continuous loop.
Consumer complaint received 2016-03-07
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: I.C. System, Inc. (AZ)

I filed bankruptcy and it was discharged in XXXX 2015. IC System Inc is still showing as an open collection account on my credit report with no balance or account number on it. Remarks are Bankruptcy chapter XXXX, bankruptcy discharged.
Consumer complaint received 2016-09-29
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Flagstar Bank, N.A. (FL)

i had to refinance my home loan that i had with flagstar due to poor servicing on their part. 
now they are refusing to return XXXX dollars that my new lender overpaid to them in my settlement statement.flagstars payoff was for XXXX and my new lender paid them XXXX.this of course came out of my pocket.yesterday when i called them they told me that they were charging fees unknown to me thus i wasnt entitled to the overpayment.its my understanding that the payoff included all the fees associated with the loan to be paid off. 
finally theres the matter of XXXX dollars in escrow money that they are sitting on and not giving it back to me. 
i need for them to refund the escrow and the overpayment asap, since it doesnt belong to them.
Consumer complaint received 2016-09-14
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc. (FL)

This {$970.00} collection is showing up on my report.I do not know this Dr. office or Doctor. have never been there. I have left messages at the office but no one will return my call for 2 weeks now. I am a vet trying to purchase a home and I really need this off my report. Also I have never been to see a XXXX.
Consumer complaint received 2017-01-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIRST COMMUNITY MORTGAGE, INC. (VA)

First Community Mortgage paid my county real estate taxes late resulting in a late fee + interest payment of {$440.00}. When I called them the customer service rep on the phone acted like it was my fault even though I have an escrow account. This has blemished our public record on the public XXXX County website for anyone to see that looks our property up online and may have put a blemish on our credit.
Consumer complaint received 2016-02-10
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc (AZ)

Venmo refuses to provide me access to my funds unless I send personal information over email. 

I recently changed my telephone number, and the only way this company says they can verify the account is if I send them a photo of my identification via email. Per the FTC, email is not a safe way to transmit personal information, and Venmo has refused to provide any other means to verify. I asked if I could fax, call, use a webform, perform an email verification or other way to verify, and they refuse. As a result, I do not have access to the money sent to me.
Consumer complaint received 2015-05-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (VA)

The company, IC System is trying to collect for a pet health plan that I nop longer want yet they keep renewing. I am not interested, as I explained to XXXX XXXX XXXX in keeping this plan, yet they continue to : '' auto-renew '' it. When they would not stop billing me or harassing me on teh phone, I changed my credit card number to stop teh fraudulent charges yet they continued and have now placed this with a collection agency damaging my credit.
Consumer complaint received 2016-05-20
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A. (OH)

Even after settling a XXXX lawsuit for abusive overdraft practices, PNC Bank has not stopped their manipulative practices to create overdraft fees on their customer 's accounts. As my attached ATM receipts will show, PNC is giving their customers one set of accounting figures, while they are using another set of accounting figures internally. In doing so, they have unfairly charged me XXXX ( XXXX ) overdraft fees of {$36.00} each. Please note the following : 1. ATM receipt # 1 - date XXXX/XXXX/16 a withdrawal of {$45.00}, new available balance {$120.00} 2. ATM receipt # 2 - date XXXX/XXXX/16 a withdrawal of {$50.00}, new available balance {$74.00} 3. On XXXX/XXXX/16 - {$1.00} purchase in workplace cafeteria - availability immediately taken away, new balance {$73.00} 4. ATM receipt # 3 - date XXXX/XXXX/16 a withdrawal of {$20.00}, new available balance {$53.00} ( also proof that the {$1.00} was already taken from my availability ) 5. On XXXX/XXXX/16 there were XXXX ( XXXX ) pending payments of {$25.00} & {$66.00} totaling {$91.00}, new available balance XXXX 6. ATM receipt # 4 - date XXXX/XXXX/16 balance inquiry, available balance XXXX 7. ATM receipt # 5 - date XXXX/XXXX/16 deposit {$100.00}, new available balance {$62.00} 8. ATM receipt # 6 - date XXXX/XXXX/16 withdrawal of {$60.00}, new available balance {$2.00} On XXXX, PNC charged me XXXX ( XXXX ) overdraft fees of {$36.00} totaling {$72.00} for the payments of {$25.00} & {$66.00}, although my ATM receipts show the {$100.00} deposit covered these XXXX ( XXXX ) payments. On XXXX/XXXX/16 PNC charged me XXXX ( XXXX ) more overdraft fees of {$36.00} totaling {$72.00} for the {$60.00} ATM withdrawal on XXXX/XXXX/16 ( receipt # 6 ) and the {$1.00} purchase from XXXX/XXXX/16. These are fraudulent, unfair, and abusive practices and I am demanding reimbursement of the {$140.00} PNC stole from me. 

These figures are not just what I believe, but they are what PNC Bank have provided me based on my receipts. The ATM balances are in " real time '', then PNC fraudulently manipulated the processing to create fees. 

On a larger scale, I hope that you will launch an investigation into PNC 's manipulative and abusive practices. 

The math plain and simple : XXXX ( XXXX pending payments ) XXXX ( ending available balance )
Consumer complaint received 2016-11-09
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: PNC Bank N.A. (IL)

I 've had my bank accounts with PNC Bank for several years now with basically no complaints. In XX/XX/XXXX, I had XXXX fraudulent charges on my debit card, which PNC refunded ( stopped payment ) on XXXX of the XXXX. They left me hanging for the fourth - XXXX XXXX confections and told me I was on my own, but provided me no details of the transaction. As a result of the fraudulent charges, PNC issued me a new debit card, which is where this complaint starts. On XX/XX/XXXX, XXXX charged my NEW debit card {$95.00} and I have not given this card # out to any companies or used it online. So, I called PNC and asked them to file a dispute. Again, they told me they offered no support, I was on my own. I asked them for Corporate Security and to start a fraud investigation. Only then did the representative take a 'questionnaire ' from me about the incident. During this 'questionairre ' she asked me to falsify my first answer " Did you give out this card # to the company in question? '' She informed me that answering yes would expedite my process, answering no would cause me problems, But I did n't give out the card #, what am I supposed to say? " If you say yes, your claim will be processed, if you say no, you will have difficulties with this claim. '' I told her I was n't going to lie and left my answer as " no '', I had not given out the card #. Feeling uncomfortable, I asked to escalate this complaint. She complied by giving me a # I could leave a VM on. After that, I asked her how a random company could get my account information. The representative informed me that upon issuance of the replacement debit card in XX/XX/XXXX, PNC had done me the 'service ' of giving out the new card information to any merchants who had claimed a recurring charge on the old card. WHAT?!? I asked her to repeat what she had just told me and she did from her script. Again, WHAT?!? You replace a card for fraud, and give out the new card information without my knowledge or approval? I want my money back. I want damages. I want credit monitoring due to the breach by PNC.
Consumer complaint received 2023-09-15
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. (NV)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2016-07-27
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: BMW Financial Services NA, LLC (FL)

BMW financial reported on our credit report that payments were not made for a 60 day period for my auto loan during the time I had a lease on a XXXX XXXX. This particular car was in the repair shop for over 8 weeks total over the time of the 3 year lease - the late payment that is being reported on both my wife and my credit report was during the period the dealership that sold me car said they are trying to get this car lemon under the lemon law of the state of Florida. Previously to this situation all payments to bmw financial were always made on time. The dealership told me they were actively trying to get the car fixed or replaced in a timely manner since my situation fits the criteria to have a new car so I held my payments with the anticipation that it was going to be done like the said and it would be quick. They also recommended that if I called XXXX XXXX and let know my concerns maybe they would help move the progress along. I wrote to the CEO directly and called bmw financial and explain my situation. I told them that I am holding my payments per the dealership because that may help them move on get the situation corrected - I trusted the dealership because I had bought XXXX cars from them before and believed that they would get this corrected. however, that did not happen I did not get the car replace but what XXXX did was to give XXXX or XXXX payment back for the time for the time I did not have use of my vehicle but that being said they still marked my credit report for delinquent payment even though we were trying to work out this situation. I have written to the credit bureau to get this resolved but it has not been corrected - the loan has been closed but both my wife and my credit report has been adversely affected for no fault of our own. XXXX acknowledge it was their problem but I am being hurt because no one communicated with bmw financial. Prior to this situation we did not have any late payments to bmw what so ever but now its adversely effecting my ability to gain credit.