davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-12
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: Experian Information Solutions Inc. (CA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-06-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (TX)

For the second time i requested to close checking and all the useless other acts they opened up. " NO activity '' with any of them for the last 2 months. When I called over a mon ago and requested to close, spoke with a rude male as he indicated XXXX XXXX had to clear, when i placed the order 2days before-the transaction was still pending after 2 days. He refused to close and said it had to clear first, later that day it cleared and they charged me {$15.00} monthly fee. UNFAIR AND UNREASONABLE! The transaction cleared, they will do anything to get a XXXX out of customers, so again now they're ready to charge me another XXXX mon fee, as I refuse to pay, just close my act as I requested instead of trying to make money from me. The initial day I requested the funds were there and cleared, he just wanted to be ugly and refused to close per my request. I called today again requested to close as she indicated to they cant close because of the XXXX monthly fee. This bank- from day one- issues as they refused to assist me and this situation is ongoing!
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-06-20
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Account : XXXX Property address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ca XXXX Hello, my name is XXXX XXXX, I would like to cancel the equity line of credit, which I am not using at all. But Bank of America would not allow me to cancel even though I am not owning anything from this account. 

XX/XX/year> I had received a package, stating I needed to provided the active insurance policy for the above property. 

XX/XX/year> I submited the active insurance policy to Bank of America through provided web link. 

XX/XX/year> I got another package notify me that they didnt not get my policy and went ahead and purchased a policy on my behalf at {$730.00} and will pass that on me. I called Bank of America right after got the mail. And explained that I already submitted the requested insurance policy. But they told me it is not valid. They also mentioned that they opened escrow account on my behalf, and I should responbility on all of its fees. I was completely in shock how can the bank do that for its customers? Doing things without the knowledges and approvals from customers - and have them responsible for it. Thats very BAD practice. 

XX/XX/year> I kept calling Bank of America insurance department see if they could provide help to close this account which I repeatedly stated to them that I am not using, but the refused to help! 

XX/XX/year> I than went to my local Bank of America office see if they could help. They then told me I have to contact the insurance department myself because they could not calling on my behalf. I told them I did many times, asking to cancel the unused line of credit account, but the banker said they dont have power to help me cancel it. 

This is one of the worse customer service that I ever had with a bank institution, and its by far the most frustrating experience just to request and cancel an account. But did not get any help at all! 

So please help to close the above account because I am unable to get help with Bank of America service people. Please contact me at XXXX if you have any question. 

Thank you. 

XXXX
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I am writing to bring to your attention the fraudulent personal information that has been associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing me significant distress and concern. I have become a victim of identity theft, and I have taken immediate action by reporting this incident. It is imperative that this matter is addressed promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I respectfully request your cooperation in swiftly removing all fraudulent information from my credit report and conducting a comprehensive investigation into this matter. I am fully prepared to provide any necessary evidence, and if required, I will not hesitate to pursue legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter would be greatly appreciated.
Consumer complaint received 2024-06-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Purchased a XXXXXXXX XXXX XXXX  in XX/XX/XXXX. Made monthly payments using Capitol One XXXX. Tried to access membership through multiple phone calls and subsequent emails. No response. 

Contacted Capitol One in XX/XX/XXXX. Disputed all charges by XXXX XXXX XXXX. Disputes denied. 

Escalated with fraud department to block future charges. XXXX, a supervisor, told me the charges submitted are using an unblockable code. 
Contacted CFPB.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PNC Bank N.A. (TN)

I am writing to dispute the late payments reported by XXXX on my credit report, which are inaccurate. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to have accurate information reflected on my credit report. 

Despite having provided XXXX with proof that my account status was inaccurately reported, they have refused to correct the information. Enclosed are copies of my evidence, including payment receipts and account statements, demonstrating that my payments were made on time. 

Additionally, I draw your attention to 15 U.S.C. 1666b, which mandates timely posting of payments. This requirement has been violated, further affecting my credit report inaccurately. 

Please investigate this matter and correct the inaccurate information promptly. I request written confirmation of the corrections within 30 days. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT
Consumer complaint received 2024-06-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (NY)

Recently changed my bank info, so had to switch my auto pay payment method. The website is so XXXX that I have done XXXX  times everytime getting an email saying the request was sent. But guess what the method never changed! It's been like this for XXXX months. And today I still get no concrete info that my auto pay is there. They have my payment method and I manually pay when it's due, but why the XXXX isn't auto pay working when I have done this same exact thing XXXX times! I will send you every XXXX XXXX email about the request being sent. But at no point did I get a confirmation that it was registered. Looking at XXXX  it appears I am not the only one who has experienced this and they do this so they can hike up the interest rate.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.
Consumer complaint received 2023-02-16
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MD)

I have a mortgage with Wells Fargo Bank, I'm currently XXXX on XXXX XXXX with XXXX more months left on my assignment before I come home and retire for a XXXX  and final time from the military. I was recently informed by a family member that some mail came to my home address from Wells Fargo stating Intent to foreclose. It's my understanding the letter is dated a month ago now. As you can imagine that's quite distressing for me as I am not in a position to address my issues and concerns that I have with Wells Fargo currently being on the other side of the world. Not to mention, I should be under the protection of the Service Members Civil Relief Act right now, and per the protection act I have an additional year from the day I leave the military and XXXX XXXX, still protected. Wells Fargo is aware I am XXXX, as I have had communication with them in the past updating information and even faxed my orders of service, so they once again are violating my rights! 

I've spoken to my command about my concerns and issues and was encouraged to contact the CFPB about my situation before getting a XXXX officer involved. My issues go even deeper with this crooked institution, as they are the main reason I returned to the military after I had retired, to obtain a better financial situation to afford and keep my home after I was unfairly turned down by Wells Fargo when requesting a modification in previous talks. I strongly believe I've been discriminated against by this company and I plan to get to the bottom of things and look into all options available to me once I return back to the states permanently. 

I ask that you get to the bottom of why I was sent the notice at this time. 


Thank You, Kindly
Consumer complaint received 2024-06-19
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Cordoba Legal Group, PLLC. (OH)

I had {$34000.00} payment due to XXXX XXXX for XXXX treatment and the following two credit cards from XXXXXXXX XXXX XXXX XXXX  XXXX {$4500.00} XXXX XXXXXXXX XXXX {$380.00} XXXX XXXX sent the folllowing email : XX/XX/2023 XXXX XXXX XXXX XXXX, We have reached an agreement to settle your account with XXXX XXXX. Please see the details about your settlement below. 

Balance : {$22000.00} Settlement Amount : {$11000.00} We hope this brightens your day and helps you feel closer to our collective goal of getting you debt free once and for all. 

We have been working hard to get you these great settlements. Please take a moment of your time to write a positive review about your experience with XXXX XXXX XXXX Click here to share your thoughts -- -- -- -- -- -- -- However, on XX/XX/XXXX, stating that they could not resolve the issue with XXXX XXXX because they were not notified that XXXX XXXX had filed a complaint with the XXXX XXXX XXXX XXXX and the court proceedings had ended. 

However, I copied them on an email that I had forwarded to their office on XX/XX/2023 - see below : XXXX XXXX XXXX XXXX XXXX, 2023, XXXX to XXXX XXXX didnt receive a phone call. I received a scanned photograph of a certified letter from XXXX  XXXX XXXX. I then checked the XXXX XXXX muni pile court website and found the information below. I have not reviewed the document because I inquired when I called your office earlier this week. I was told not to acknowledge or respond to XXXX XXXX. I then linked them to the XXXX XXXX XXXX website and provided the case number of XXXX. ( I was unable to provide a complete copy of the email here. 

After emailing them, they withdrew the document that they wanted me to sign that would relinquish them of any responsibility for the XXXX XXXX account. However, I have not heard from them again regarding the situation. They have emailed me regarding the {$570.00} payment that I am required to send them monthly and have consistently sent them since XXXX XXXX 2023. 

Your assistance is greatly appreciated. I am trying to payoff these debts and, with the help of my daughter, I have paid in a timely manner. However, I feel like XXXX  might have not thoroughly reviewed my emails.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

I am writing to inform you that my social security number has been compromised, resulting in identity theft. I have reported this to the Federal Trade Commission and enclosed the FTC Report with this letter. 

Under 15 USC 1681c-2 c ( a ), you are required to block and remove all fraudulent information from my credit report within four business days. The following accounts are unverified and inaccurate, violating my consumer rights under the Fair Credit Reporting Act ( 15 USC 1681 ) : ACCOUNTS BEING CHALLENGE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX If you fail to respond promptly, I will pursue legal action, seeking damages for each violation under 15 U.S.C 1692k. The violations include : Defamation of Character Negligent Enhancement of Identity Fraud Violation of the Fair Credit Reporting Act Civil liability for negligent non-compliance ( 15 USC 1681o ) Civil liability for willful non-compliance ( 15 USC 1681n ( b ) ) Failure to comply with 15 USC 1692 ( g ) Violation of permissible purposes of consumer reports ( 15 USC 1681b ) Method of verification ( 15 USC 1681i ( 7 ) ) Right to privacy ( 15 USC 1681 a ( 4 ) ) Requirements relating to information contained in consumer reports ( 15 USC 1681c ) I demand immediate action to block and remove the fraudulent accounts from my credit report. I have provided the necessary information to facilitate this process and request that you acknowledge receipt of this letter and provide a timeline for resolution.

Additionally, I am aware of delays in processing consumer disputes and challenge your belief that third-party assistance justifies such delays. This is a violation of 15 USC 1681i, and any delay will be forwarded to my attorney.

Please acknowledge this letter and provide a timeline for resolution.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WI)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX credit problems My credit report states I have three credit cards in weight off. The credit cards are. XXXXXXXX XXXX XXXX XXXX and XXXX XXXX. I asked the company for confirmation of debt lawful one. O need to see alllll the bills from all three credit cards with my wet signature not not not a copy. I also need to see the original contract signed with two signatures. If you can not provide this you will be in court. I feel 15 usc 1692J is for your company. You are trying to give me deceptive information. Your company cant be charged with XXXX order XXXXXXXX XXXX XXXX This is when you take the body for ransom for contracts that do not exist. Your ceo needs to correct the problem or be in a federal court house. Bring your lyer I mean lawyer who is a bar card holder who is a XXXX registered agent who takes oath for the XXXX XXXX XXXX
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This is my other Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2023-02-16
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. (OH)

The open dates for are not accurate and the account numbers are invalid. Asterisks, never represents or corresponds to approproate account informations. Its been more than 6 months and you have never given me any response to my request to validate the debt and of its origin. I have never given any approval or permission for you to report this account. 

This is a violation of my rights as a consumer. I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

THE DATE YOU HAVE THIS ITEM REPORTED AS A CHARGE OFF DOESNT MATCH MY RECORDS. I REQUEST THAT YOU VERIFY THE INFORMATION AND REMOVE PRONTO PRESTAMOS FROM MY CREDIT REPORT I REQUESTED FOR THEM TO SEND THE ORIGNIAL ALLEGED PROMISSORY NOTE AND ACCOUNT TRANSACTION HISTORY AND THE REQUIRED DEFUALT OR ACCELERATION NOTICES I ALSO ASKED FOR THE SALE DOCUMENT AND CALULATION OF SURPLUS OR DEFENCENY LETTER LET ALONG WITH THE FINANCE CONTRACT AND BUYERS GUIDE AND PURCHASE ORDER AND HAVE NOT RECIEVE NO PROOF IM ASKING FOR THIS TO BE REMOVED OFF MY CREDIT REPORT EFFECTIVE IMMEDIATELY DUE TO THIS BEING INVALID ON MY CREDIT REPORT AND IN VIOLATION OF THE FDCPA AND FCRA.