davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: PNC Bank N.A. (WA)

I continue to face financial difficulties and struggle to get ahead as a direct result of PNCs actions when I requested their assistance after suffering several setbacks. They forced me to file bankruptcy to save my home from foreclosure and although I was doing what they asked and following their instructions to request hardship assistance they were working behind my back to move forward with foreclosure. They have denied any wrong doing and claim their actions were because I failed to complete the required trial period payments. That is a lie that PNC has told multiple times over the last few years. The bankruptcy trustee stated, under threat of perjury, that he submitted all three trial period payments as required. He stated the first two payments Were accepted but the third and final payment was returned to him. Along with the returned check was a letter citing the payment was being returned because the motion for relief from stay has been granted and requested that no additional funds be sent. So they went back on the agreement and essentially revoked the modification that I had already been qualified and approved for. They went on to successfully motion for the dismissal of my bankruptcy. That is the reason for my complaint today. Since XX/XX/XXXX I have been fighting a garnishment that stems from a XXXX medical bill, that was never submitted to my insurance company for payment, that resulted in a default judgment being awarded in XXXX to XXXX XXXX XXXX. This debt was listed in the bankruptcy I filed in XXXX and would have been discharged if not for PNCs dishonest and illegal actions. I have been a full time paid caregiver for my severely disabled adult son since XXXX. My wages are qualified XXXX waiver payments, and are not reported as income by the consumer directed employer. According to ( 42 U.S.C. 1396a ( a ) ( 32 ) and 42 C.F.R. 447.10 ) as well as Washington State law ( Wash. Rev. Code 74.08.210 ) these funds are exempt from garnishment and that was true until XXXX but for some reason XXXX dont understand they are now being allowed to garnish those funds. I contacted PNC in XXXX of XXXX asking for assistance with my mortgage and was mislead every step of the way since. The amount of money and time Ive lost directly related to PNCs actions and ongoing deception is hard if not impossible to quantify. They may continue to deny their actions and role in my financial situation but I will continue searching for answers and holding them accountable for their actions. I have a not yet filed motion that I had prepared along with several pieces of evidence I would like to submit for review.
Consumer complaint received 2023-06-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

BEING A LONGTIME CUSTOMER TO THIS BANK I WAS APPALLED. I disputed transactions in regards to my account being used in some type of XXXX XXXX. transactions that I did not make. I disputed on XX/XX/XXXX on XX/XX/2023 i was denied. I want my funds back that were taken and improperly used. I want a reinvestigation and while they are doing that i want my provisional credit so i can pay for my daughters tuition. i have had too many issues with this bank locking me out of my own funds not adding up now missing funds over a years worth being taken over and over.Im going to start a class action suit and ill be reaching out to the XXXX as well and the XXXX if i have too. Ive had enough of sitting on the phone for hours, being locked out of my own money countless of times. Im having XXXX XXXX XXXX over this issue. and will be seeing a doctor next week to confirm its stress over this bank.
Consumer complaint received 2024-07-14
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: Foursight Holding LLC (IL)

On XX/XX/year>, XXXX XXXX LLC did an inquiry on my credit. I did not authorize this company to check my credit. Under the Fair Credit Reporting Act, it is my right that this inquiry be removed.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-12
Product: Credit reporting 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 am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (GA)

CREDENCE RESOURCE MANAGE {$240.00} XX/XX/2023 THESE NOT MY ACCOUNT I HAVE NO KNOWLEAGE OF THESE ACCOUNT NOR DID I AUTHROIZE ANY ONE TO OPEN THESE ACCOUNT IN MY NAME. THESE CREDTORS ARE VOLIATES SO MANY OF MY RIGHTS AND I WILL LIKE THESES ITEAMS REMOVED OR I WILL HAVE TO SUE THESE COMPANIES FOR EXPOSING MY PERSONAL INFORMATION.
Consumer complaint received 2024-07-12
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (LA)

I am unaware of this debt, I did not have the opportunity to dispute this debt. 
I did not received proper notification, if in fact you believe I received proper notification, please provide the certified mail with a receipt with my signature on there stating that I received it.
Consumer complaint received 2024-07-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Applied Data Finance, LLC (OK)

XXXX agreed to remove a paid up account from my credit report completely. They did so on XXXX out of XXXX credit bureaus, but it still is posted on my XXXX XXXX XXXX. This account must be removed immediately and permanently!!!
Consumer complaint received 2024-02-11
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: Bread Financial Holdings, Inc. (OH)

I am writing to file a formal complaint against Comenity BankXXXX XXXX Credit Card for continuing to report a charge-off on my credit report that is past the statute of limitations. This debt, last active on XXXX appears to exceed XXXX statute of limitations for debt collection. 

The outdated entry is negatively impacting my credit score, hindering financial opportunities as well as buying a home. I have previously attempted to resolve this with Comenity Bank, XXXX, XXXX, and XXXX, but to no avail. 

Under the Fair Credit Reporting Act, I request an investigation into this matter and the removal of this charge-off from my credit report if found non-compliant with state laws. 

Thank you
Consumer complaint received 2023-04-19
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: EQUIFAX, INC. (FL)

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-02
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (MS)

On XX/XX/XXXX I filed my initial complaint with the CFPB regarding my mortgage with Freedom Mortgage Company. As a result of that complaint ( Complaint ID Number XXXX ) in XXXX I received a call from XXXX, ID Number XXXX, of Freedom Mortgage. XXXX informed me the foreclosure sale would be rescinded and Freedom Mortgage would work on my application for a modification. She assured me everything was going to be alright. On XX/XX/XXXX, Freedom Mortgage responded to the CFPB complaint and stated that based on the information I submitted in XX/XX/XXXX, I potentially qualified for a modification. Their response also stated Freedom Mortgage would rescind the sale then update the account and assign me to a Single Point of Contact. 

No one ever called me again from Freedom Mortgage, however in XXXX I was served an eviction notice by Veteran Affairs. At that time, I called Freedom Mortgage and was told the account still showed up as foreclosed. I appeared in court on XX/XX/XXXX. The attorney for Veterans Affairs had no knowledge of the sale being rescinded. After presenting the court with our documents, a continuation was granted. 

On Tuesday, XX/XX/XXXX I spoke to XXXX of Freedom Mortgage, ID Number XXXX. Per our conversation, the notes on my account reflect that a request to rescind the sale was submitted on XX/XX/XXXX. In Coreys words, they are trying to figure out how to do the rescission. In the meantime, because Freedom Mortgage has not communicated with the VA, the VA is moving forward with the eviction case in the local courts I have another hearing scheduled for XX/XX/XXXX. If the court does not grant another continuation, I am in danger of being forced from my home. 

My complaint is # XXXX. Freedom Mortgage has failed to communicate with the VA and as a result I may be forced from my home. # 2. Freedom Mortgage delayed the process to rescind the foreclosure sale which is in turn delaying my right to be reviewed for a modification. # XXXX. As documented in my initial complaint, Freedom Mortgage continues to exhibit a consistent pattern of denying me the opportunity to keep my home. 

I have attached a copy of my initial complaint and the response.
Consumer complaint received 2024-02-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc. (PA)

It has come to my attention that AMSHER COLLECTION SERVICES has placed a collection on my consumer file without issuing the requisite notice and without notifying me of my right to dispute this alleged debt. AMSHER COLLECTION SERVICES has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). Not only did they place a collection on my consumer file illegally, they also have not provided validation information under 12 CFR1006.34 ( b ) ( 5 ). I am formally requesting that AMSHER COLLECTION SERVICES provide a purchase order agreement between them and the original creditor. I am particularly concerned about the accuracy of the account information, as the agreement may contain clauses stating that the data being purchased might be inaccurate. If AMSHER COLLECTION SERVICES is unable to produce this documentation, I demand the immediate deletion of the account from my credit report. I trust the Consumer FinancialProtection Bureau will thoroughly investigate and address these infractions.
Consumer complaint received 2024-02-15
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: WELLS FARGO & COMPANY (FL)

Someone used a card that was stolen from the postal mail and XXXX dollars were charged. The bank does not want to be held accountable, file a dispute for fraud since I have no responsibility in this I have complained 3 times and they do not want to return my money stating that I am responsible and it was not like that, they are so disordered that they do not have records in their system of the complaint I made
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Equifax is reporting inaccurate information and its hurting me going forward, Information is definitely incorrect and I have filed police reports, did a fraud report and nothing has been done, yes I have sent copies of t h e police report to XXXX, exquifax a n d XXXX, no one is paying attention and I am being hurt behind it.
Consumer complaint received 2023-03-22
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. (NC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-15
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY (NE)

We bought our truck back in XX/XX/XXXX for {$29000.00}. We made multiple truck payments and stayed ahead. We started falling behind in XXXXXXXX XXXX XXXX and tried to make up payments as we went. We got threatening phone calls and ever agent we spoke to that they are trying the truck from us even though we where trying to catch up. I made a payment in XX/XX/XXXX and told them I would make another large payments to 100 % catch up in XX/XX/XXXX when I received my tax return they got very upset with me told me that that was not OK and that they were not waiting and they were going to come take my vehicle. I received a written notice on XX/XX/XXXX stating that my entire balance of my vehicle was due in the amount of {$29000.00} making it seem that I have only made a {$300.00} payment total to my truck that doesnt make sense to me since I was paying it frequently for over a year and a half of {$650.00} {$.00} a month when I did reach out to Wells Fargo multiple times to try and set my account straight. They told me they couldnt adjust my payments. They could not adjust my loan, they could not help me with trying to come up with a plan to get ahead, that they were just going to take the vehicle, and even if I did make monthly payments it did not matter because even if I was still one month behind they were still taking my vehicle from me.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2024-02-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Bank has failed to send mail correspondence regarding a fraud claim on a personal account covered under regulation E. Bank has denied claim multiple times, and has failed to send mail correspondence regarding merchants, response, or any email correspondence regarding claim other than the initiation of the claim. Claim was filed within 30 days of the transactions in XXXX. Fraud disputes department is deliberately not providing detail reasons of denial in writing, through the mail which makes it difficult for me to respond. I provided enough detail over the phone to counter any arguments made by merchant/bank on the claim. I mostly received mail on past claims unless the bank is hiding something and ruling against me. In those cases, they almost always fail to send mail correspondence which violates EFTA regulation E on personal accounts. Im still waiting on mail correspondence on the claim which was supposedly mailed by the bank on XX/XX/XXXX, from what their claims department has said. 

Bank of America is not protecting me against fraud as theyre suppose to and as they advertise. Instead theyre enabling it with payment providers such as XXXX XXXX I never made any transactions of this size with the merchant in dispute. One of my additional devices was probably assessed by a former roommate at the time, without authorization, who is suspected to be behind these transactions in areas and under IPs i use. I wasnt aware at the time of how these transactions may have occurred The status shown on there website isnt accurate and is less than helpful
Consumer complaint received 2022-12-04
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: AMERICAN EXPRESS COMPANY (CT)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1618 section 602 states I have the right to privacy.

15 USC 1618 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15USC 1666 B : a creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose
Consumer complaint received 2023-01-13
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: 3rd Generation, Inc. (CA)

I have a XXXX XXXX XXXX financed through California auto finance the vehicle has been sitting for a couple years now and I am in need of obtaining the title to send to a junk yard. The company is refusing to respond to any of my calls/ emails. I do not know what to do at this point as I have a vehicle sitting in my driveway that I cant do anything about because I do not have the title due to this company not being able to contact me back. 

License plate number California XXXX
Consumer complaint received 2024-02-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY (OR)

On the XXXX of XXXX, my checking account from Wells Fargo was drained from {$4300.00} down to {$480.00}. The balance lost was through money transfer via XXXX XXXX. Those transactions were not authorized. XXXX  along with Wells Fargo opened the claim and ultimately decided to not accept my claim and not return the funds based on the fact that the transactions were made through the digital wallet.