davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-11
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: NAVY FEDERAL CREDIT UNION (SC)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-04-11
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: GREENSKY OPERATIONS, LLC (TX)

I sent a cashier check for XXXX $ on XXXX, and my credit union is shown Green sky cashed it but its not posted yo my account and they charging me interest I sent another cashier check for XXXX $ on the XX/XX/year> and it's not posted to my accounts. They said they wait 7 to 10 days on checks even cashier 's check mean while they charge interest until they give upu credit for it.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-30
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: EQUIFAX, 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 2023-05-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (PA)

On or about XX/XX/2010, we applied for a conventional refinance of an existing loan with Wells Fargo and received a loan disclosure statement which contained the terms and conditions of the refinance loan. 
Within the required three-day rescission period, we sent a written notice of rescission to Wells Fargo by overnight mail, requesting to cancel the refinance loan. This notice of rescission was delivered to Wells Fargo as confirmed by the United States Postal Service and the postmaster. 
Wells Fargo failed to honor our rescission request within the required twenty-day period. 
Instead, Wells Fargo instructed us to continue making payments on what we believed was the original loan, pending Wells Fargos response to the rescission request. 
We complied with these instructions and made payments on the what we believed was the original loan for approximately two years.

During this time, we repeatedly contacted us Wells Fargo by phone and by mail, demanding a reply to the rescission request and an explanation of the status of the loan. We never received a response.

Upon advice of one of Wells Fargos mortgage specialists, we stopped making payments on the original loan, as a prerequisite for applying for a loan modification. 
Unbeknownst to us, the original loan had been extinguished by the new unapproved loan. This was not a conventional loan it was a modified loan. 
We agreed to a loan modification document with a trial payment plan, which required three monthly payments, but unbeknownst to us this process was not even possible because a modified loan could not be modified again so these trial payments were merely illegal debt collection tactics.

We made two payments under the trial plan but stopped making payments when Wells Fargo refused to provide any details of the new loan or confirm that Plaintiff qualified for a permanent modification.

In at least three instances Wells Fargo informed us through the XXXX Mail that we were never qualified for a loan modification because the conventional loan we thought we were getting was actually a XXXX  loan, ( therefore non convention and already considered a modified loan ). This was NEVER disclosed. 
Wells Fargo never recognized or acknowledged the rescission request or refunded any of the payments that we made on the new loan.

As a result of Wells Fargos actions and omissions, we have suffered actual damages, including but not limited to : negative impact on credit score ; physical health, emotional distress ; and attorney 's fees and costs.
Consumer complaint received 2024-04-11
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (WA)

I am a successor trustee for a living trust. The last grantor passed around 6 months ago and since then I have been trying to transfer funds from an account she held at PNC Bank to another trust account. I have had numerous conversations by both chat and phone with customer service representatives who give me conflicting advice on what to do. None of the suggestions work. One rep advised me to send a cover letter and a death certificate to a specific PNC address and mail stop ; it was delivered around 2 weeks ago and the bank seems to be unaware of its existence. Another suggested that I travel to the nearest PNC branch to take care of this, even though the nearest branch is about a XXXX miles away from where I live. 

All of the other institutions I have dealt with have a set procedure for handling this - sending in a death certificate + a certificate of trust naming the successor trustees - but PNC doesn't seem to have a process for this.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MD)

This consumer reporting agency is in violation of 15 U.S. Code 1666b. A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I was not notified in the time frame. 
1. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX  Date of inquiry : XX/XX/2022 Please ensure that all information is accurate. If not proven delete this immediately. 
2. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX  Date of inquiry : XX/XX/2022 Please ensure that all information is accurate. If not proven delete this immediately. 
3. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX  XXXX Account Number : XXXX Please UPDATE this late payment in my Credit Report. 
4. Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account XXXX Account Number : XXXX Please UPDATE this late payment in the Credit Report or I will seek LEGAL OPTIONS against your AGENCY in favor of my FCRA. 
5. Under 15 usc 1681a ( 2 ) ( A ) ( i ) late payments are transactions and transactions are excluded from a consumer report. 
XXXX XXXX Account Number : XXXX Please UPDATE this late payment in the Credit Report or I will seek LEGAL OPTIONS against your AGENCY in favor of my FCRA. 
6. Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account XXXX  XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
7. .Unacceptable How can you say its verified when theres a lot of information is inaccurate XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. The following personal information is incorrect Account Number : Former : XXXX XXXX XXXX XXXX As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. PLEASE DELETE IMMEDIATELY. 
Any failure to respond without deletion of the accounts listed above and a free copy of my report after the changes have been made will result in the above actions being taken against your bureau. I will also be seeking {$1000.00} per violation. 
Violation of 15 U.S Code 1666b Defamation Sincerely, XXXX
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

To whom it may concern I have read through my credit report, and it does not make sense of this data that is on it. 
I need your help and would appreciate it an expedited investigation on this collection account that should not be on my report A collection is late by default and therefore can not report a late or past due payment. Please remove account for violation Account name : XXXX XXXX and XXXX Account Date : XX/XX/XXXX Collection Original Account : {$2800.00} Collection Current Balance : {$4800.00} as of XX/XX/XXXX Please send me updated credit report showing these changes Thank you very much
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (NC)

The day before I contact you last time I told all three credit berous science they would not help me would not let me dispute I was reporting them to you. The very next day my identity was stolen an three of my credit cards hacked an maxed out. I've had all my credit cards about XXXX to XXXX years I started getting alerts from credit berous that XXXX dollars had been added to XXXX of my card balances I immediately called the card company they said the credit berou was crazy there had been no increase to my balance but the XXXX XXXX XXXX to XXXX points off my score I tried to dispute an when I clicked dispute a pop up appeared saying this information is not available rite now. Then I got alert I had just applied for XXXX XXXX XXXX  card from credit one I called XXXX min after I received card in mail to activate. Have all ways had good credit with them I was told my account had been canceled because there was activity that did not follow there family household policeys but they could not give me a direct reason. The next day I got a letter from XXXX XXXX saying account was XXXX  due to these reason the letter said gym membership online streaming subscription exctrita. I have never in my life been to a gym never in my life had anything to do with live streaming on the net but my account was canceled the berous took another XXXX to XXXX points then I tried to dispute but got pop up said this info is not avaliable rite now. Then I get alert from credit borough that XXXX of my cards has been maxed out put my card over XXXX percent of use took another XXXX points off my score I went from XXXX XXXX to XXXX in 4 days an I've not used one of my credit cards in over a month. They destroyed my credit leeked my info on purpose I sign into every one of my cards with biometrics. You tell me who beside the berous has all my info. The card that was maxed support said it was stolen identy an would not go against my credit then the next day I lost all kinda points it's obves that the credit berous have a discrimation against me for telling you they would not let me dispute untrue information on my report. They had listed on my report an took points way before I even got to my card company 's an my self an card company 's new nothing about it how did the berous know this info before card company. They told on there self an they notified card company the next day. So my credit is ruined I've not missed a payment or been late 4 years an 4 months now I'm ruined an nobody will help me with this will you please this is just dirty any way you look at it.
Consumer complaint received 2023-12-21
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. (FL)

I had a dormant checking account in which someone deposited a small check a year after I had moved to a different state. 

No one from XXXX called me and i had no idea there as a check processed with insufficient funds. 
After I noticed a personal loan write off from XXXX on my credit card, I paid immediately the {$87.00} fees and requested they remove the erroneous record from the credit bureaus. 
They did not. I called and emailed several times and XXXX has illegally updated my credit profile which I did never had a personal loan with XXXX 

I opened disputes on all three credit bureaus to no avail. 

They are damaging my ability to secure auto financing, credit cards and personal loans by leaving a fraudulent and erroneous record on my credit profile. 
Please help.
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX account number XXXX, Dept of EducationXXXX account number XXXX and XXXX, XXXX XXXXXXXX XXXX XXXXXXXX account number XXXX, XXXX XXXX XXXXXXXX account number XXXX and XXXX, and XXXX XXXX account number XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (AR)

On XX/XX/year>, I tried to login to Equifax to review my credit report, it was blocked. I called the same day and was given the run around on the phone. 

On XX/XX/year>, I sent a copy of my Arkansas Drivers License and Social Security Card and requested my credit report be unblocked. I received a letter from them and basically they said they couldn't verify me. On XX/XX/year>, I sent a copy of my Arkansas Drivers license, Social Security card, and XXXX XXXX XXXX XXXX to self identify and my credit profile is still blocked.
Consumer complaint received 2024-04-10
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. (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. 

XXXX XXXX XXXX  Acct # XXXX XXXXXXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXXXXXX Acct # XXXXXXXX XXXX XXXXXXXX Acct # XXXXXXXX XXXX XXXX XXXX Acct # XXXX XXXXXXXX XXXX Acct # XXXX XXXXXXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXXXXXX XXXXXXXX XXXX XXXX Acct # XXXX XXXXXXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX  Acct XXXX XXXXXXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX  Acct # XXXX XXXX  Acct # XXXXXXXX XXXX Acct # XXXXXXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX  Act # XXXX XXXX XXXX XXXX Acct # XXXX 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.

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

15 U.S.C. 1681, Section 604A, Section 2 : It also states that 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 the records of convictions of crimes which antedates the report by more than seven years.
Consumer complaint received 2024-06-04
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Collection Bureau of the Hudson Valley, Inc. (TX)

Company keeps calling multiple times while I'm at work back to back. For example today I had 3 calls all at XXXX XXXX  while I was in a meeting. The voicemail left was from a robot not stating why they were calling. I only found out who they were because I XXXX  what XXXX  was. XXXX and my phone carrier both flag the number that is calling as spam, so I'm not even sure if it's actually XXXX  calling.
Consumer complaint received 2023-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC (WA)

Received email thanking me for updating our address from credit card company. We never applied for the credit card, nor received it. 
Checked on your credit report and it shows as being issued to us. 
We disputed it with XXXX, but they could not get it removed. They suggested we file a fraud report with CFPB.
Consumer complaint received 2023-11-08
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Media Collections, Inc (OR)

Explained this was fraud and not my debt. The original person hung up on me. Called back and got a second person. They explained XXXX was the original debtor. I told them it was fraud. They asked I send a copy of the police report to XXXX I did that and the agent then hung up after telling me that I'm angry and they are trying to help. I informed them to let the original creditor know it was fraud and I would pursue further legal representation if account was not removed.
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are wilful non-complying with the FCRA.

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}.
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Absolute Recovery Services, LLC (TN)

I Disputed a Collection Account that was Reported on my Credit Profile. I have sent in Multiple Disputes & have yet to get a Removal or Response. The Account that was Reported is not Mine and I would like for the Credit Bureaus to Remove it. Once this is removed can you please have them to send me a Updated Credit Report. Thanks.
Consumer complaint received 2024-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (GA)

I deposited a check for {$18000.00} into my account on XX/XX/year> and was told the fund would be held for two days. The check should have cleared on XX/XX/year>. The funds were debited from the payers account XX/XX/year> but were not made available to me. Chase came back later to say that the funds would be held until XX/XX/year>. This caused a significant ripple effect across my account that caused NSFs with my payroll and various other payments that should have been posted to the account. I was not aware of the additional hold until XX/XX/XXXX. Chase charged me {$640.00} in service fees to the account because of this but only refunded {$100.00} of the fees. This issue has led to significant NSF charges with XXXX, our payroll provider, because they tried to redebit the account and the funds were still on hold. XXXX is terminating my payroll account with them because of Chase 's issue. 

When I look at my account on Chase now, it says those funds posted to the account on XX/XX/year> and shows my balances calculated from that day, which is a complete lie because I see the letter in the account of when they placed the additional hold as well as additional letters for the NSF this hold caused. Chase is lying to save face here as they held funds needlessly when XXXX had already cleared the funds on XX/XX/XXXX. Now my business is in jeopardy, I can't pay my people because I have to find a new payroll provider and XXXX is locking my information. All of this was caused by Chase holding funds for money they had already received and just decided to hold them longer because they could.