davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (IL)

I am having an issue with PNC Bank and BBVA bank formerly known as simple bank several months ago my debit card was stolen when my debit card was stolen the bank was transitioning from simple bank to BBVA upon learning my debit card was stolen and providing BBVA with the information BBVA refuse to assist me and continue to allow the debit card that was stolen to be used fraudulently causing thousands of dollars and unemployment deposits to be stolen from my account upon contacting BBVA they refused to file any transaction disputes in the beginning but later on filed some transaction disputes but refused to cancel my card stating they were unable to do to a shortage in cards and ability to get new cards during the transition from BBVA to PNC BBVA took money out of my account stating that they had improperly filed the disputes and therefore the money must be taken back now since BBVA is PNC PNC has not been working with me in a timely matter to resolve these issues I have adjusted these issues multiple times and try to contact the individuals who are supposed to help me one individual has specifically taken charge of this case but has been very difficult to reach and does not return calls or emails within a time we matter and when the individual does call back it's within the last hour of this individual being at work causing the call having to be ended and be resumed a different day as a result I have not been able to fully dispute the transactions on my account as well as PNC despite having a police report has denied multiple of my disputes giving different reasons for each time originally the first reason was because they stated that the chip was used in the card but did not pay attention to the fact that I reported my card was stolen the second reason was that there were other transactions that were undisputed at the time of the card being stolen completely disregarding the first reason and ignoring the fact that the police have arrested and are working on pursuing charges against the person that stole my card at this point I have lost thousands of dollars and have been unable to get any of it resolved due to the lack of communication and responsibility of simple bank BBVA bank and PNC Bank I am requesting that they return the money and assist me within a timely matter as they have not been able to do so such far
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to be removed. 

They are not in compliance with the following law. XXXX5 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card 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. 

XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-06-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (PR)

Complaint where information was requested for the 4 collection XXXX XXXX accounts .they are from the same company, this account is more than7 years old and will be removed next year XXXX .here my rights are violated and they violate the fair credit reporting law. They increased the balance of this account. XXXX XXXX account number XXXX balance XXXX reported errors XXXX
Consumer complaint received 2024-07-10
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK (CA)

Someone opened a Discover card and a XXXX XXXX in my name without my consent. I suspect I am a victim of identity theft. I made an attempt to contact the creditor, and they have informed me that they are not aware of the situation. However, the three credit bureaus assert that the creditor has confirmed the debt belongs to me, creating a dispute between the parties. I have made every effort within my means to address this matter.
Consumer complaint received 2024-06-24
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX : XXXX has violated my rights. 


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 adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 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 2024-09-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Skrill USA, Inc. (PA)

Skrill is a mobile wallet with an attached prepaid checking account with XXXX XXXX XXXX XXXX. Skrill allows loading of the wallet with a debit card. 

Sometime in mid XXXX, Skrill locked my account, and returned the majority of funds I had loaded to the account to the debit card used. However, they didn't refund all of it, and I'm still owed {$1700.00}. I have several emails with their XXXX team over the last XXXX weeks, insisting that they are working on the issue. Most recently they've requested I wait until XX/XX/XXXX. 

I am now reaching out to get assistance from regulators. Skrill can't just keep my money, right?
Consumer complaint received 2024-06-18
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC (FL)

On XX/XX/year>, the Consumer Financial Protection Bureau ( CFPB ) finalized a rule limiting the penalty for late payment to {$8.00} per incident, down from an industry average of {$32.00}. However, Milestone Credit Card also known Concora Credit is charging me {$81.00} and $ 82 monthly since XX/XX/year> for late and overdraft fees after I asked my account to be place on a hardship status. I have not used this card since XX/XX/year> however due to predatory account billing practices my balance has increased from {$590.00} to {$1300.00} due to fees. I attempted to resolve this situation with the company to no avail.
Consumer complaint received 2024-05-28
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (PA)

XXXX switched from paper billing to paperless. They were to email and text the customer when a bill was due. I did not receive notification of a bill but instead got a lot of junk advertisement from XXXX. Long story short, I missed XXXX months payments. I have never missed a payment when they used paper bills. They waived the late fee for XXXX of the months but I was still charged interest and the other late fee. the only way I found out about this was going to my account online and digging up the current balance and finding out what the late fees were. I was never contacted by XXXX stating the balance. I am concerned with how this could effect my credit score. I am also concerned that other people are being taken advantage of from XXXX and being charged late fees and XXXX when it is really not their fault.
Consumer complaint received 2024-05-22
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (NC)

Midland credit management repeatedly sends Harassing, Threatening hurtful letters to my home. I do not know nor have I ever done any business with this company but the letters promise to continue harassing me and says that they will continue to come after me for a debt. they are causing me tremendous pain, XXXX  and emotional grief
Consumer complaint received 2024-06-18
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. (MD)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-08
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. (NC)

I disagree with the account listed below which still appears on my credit report, even after their investigation. I would like this item immediately re-investigated. These inaccuracies are highly injurious to my credit score. The information of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  never occured. This company has continued to violated my rights in accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, Please Provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2023-03-06
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK (MO)

my mortgage was sold to midland mortgage by XXXX XXXX XX/XX/XXXX, i have filed for a assumption of the loan since my name is on the title, XXXX XXXX XXXX XXXX XXXX XXXX is why im trying to assume loan, also filed for modification of loan because of that, and storm came through and took tree halfway down home insurance would nt cover that this was in XXXX of XXXX fathers day weekend, i used two house payments to have the split tree taken down and thats the only payments to mortgage i have missed, XXXX and XX/XX/XXXX, fast foward to mortgage being sold to midland mortgage by XXXXXXXX XXXX this mortgage company keeps sending me bills saying i stopped paying them, which i have bank statements saying other wise they have done nothing to my files of the assumtion packet i filed, they did send me a trial modification packet in XXXX of XXXX for XXXX dollars a month which isnt helping anyone, only to find out that FHA HAMP EXPIRED IN XXXX THIS IS A BOGUS trial modification this mortgage company is not trying to help me at all.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DE)

I am writing to bring to your immediate attention a grave matter concerning the deliberate and malicious actions of XXXX XXXX against my credit. As a concerned consumer, I am seeking your assistance in rectifying this unjust situation. 

5 years ago, I have asked credit acceptance to pick up my vehicle as I would do a " Voluntary surrender '' as times were quite hard for me then. Despite my repeated request, they failed to do so. 

Fast forward, the car is still in possession ( After continuously asking for the car to be picked up ). Despite Five years of nonpayment, Credit acceptance has failed to charge off my account keeping this account open. 

I have attempted to Dispute the debts with XXXX and Equifax to no avail. 

XXXX XXXX understands that the statute of limitations to collect this debt has expired. Thus, they are keeping this account open to wreak havoc on my credit rating by reporting late payments every month since this is the only leverage, they have. 

This account is parked on my credit report Illegally. Credit acceptance failure to " Write this debt off '' by Charging this debt off may also mean that they are engaging in tax fraud. Typically, after three months of nonpayment this account should have been moved to a charged off status, or even a repossession. It has not. The car has never been hidden, or even hard to access. It has simply been in my driveway. 

Failing to charge off the debt prolongs the amount of time this account should remain on my credit report. The clock has not even started yet because of their refusal to do the right thing. 

These erroneous reports have significantly damaged my credit score, making it increasingly difficult for me to secure loans, obtain reasonable interest rates, or even pursue certain employment opportunities. 

Despite my repeated attempts to address this issue directly with credit acceptance, they have been unresponsive and unwilling to rectify their errors. It is clear that their actions are not only negligent but also potentially illegal, as they violate the Fair Credit Reporting Act and other consumer protection laws. 

I kindly request the intervention of the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate actions against credit acceptance. I also urge you to ensure that my credit report is accurately updated to reflect the true nature of my payment history. 

Furthermore, I would appreciate any guidance or assistance you can offer in resolving this dispute and restoring my credit integrity. Your prompt attention to this matter is greatly appreciated, as the ongoing damage to my credit has had severe repercussions on my financial well-being. 


Thank you for your time and attention to this urgent matter. I look forward to your prompt response and resolution.
Consumer complaint received 2024-08-04
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. (FL)

I am distressed that this Bureau has included this information in my credit report profile and I have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish, just to favor the credit companies. In this sense, and 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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 an 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 ) ( a ) 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. I request delete the not authorized hard inquiries below : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2019-06-27
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. (NC)

I am reaching out to the CFPB in direct complaint as I am a I have tried to deal directly with the credit reporting agencies, yet to no avail. This is my third attempt as the credit reporting agencies have not adhered to FCRA 605b which specifically states that all accounts identified through law enforcement in an Identity Theft occurance are to be blocked. These are the accounts that this Reporting Agency has failed to address : 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 2024-09-19
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Fees charged
Company: JPMORGAN CHASE & CO. (CA)

I filed complaint XXXX with the Office of the Comptroller of the Currency. They informed me that they are transferring that complaint to you. 

In XXXX I took out mortgage XXXX on commercial real estate from Chase. They ordered an appraisal. I was charged for that appraisal and other fees at closing and {$2200.00} was paid in escrow to cover those costs. Chase or their assignees apparently mishandled those funds and they ended up in unclaimed funds with the state of XXXX. In XXXX when I made Chase aware of the unclaimed funds, they removed {$2200.00} ( which I did not owe ) from my loan account and told me to get the money back from unclaimed funds. However, since Chase refused to issue a letter supporting my claim, I was unable to do so. Now they tell me that they will retrieve the funds from the state, but it will take months to do and they will not refund to me until that is complete. 

I have worked with my local representative, XXXX XXXX as well as XXXX from the XXXX XXXX at Chase ( XXXX x XXXX ) and others but to no avail. 

Chase should have never charged me a second time. When they became aware of the situation, they should have refunded my money and worked to correct their error, but instead they have made their error cost me time and money. 

The amount may not be large, but the precedent of allowing a bank to simply take money from a clients account with no legitimate reason is huge. Regulatory agencies exist to prevent just this sort of abuse. So, please, help me get Chase to refund my money immediately, with appropriate interest and compensation for the excessive amount of time Ive had to spend on this. And, of course, please help them correct their systems so they are not stealing from their clients in the future.
Consumer complaint received 2024-07-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (IL)

I have reached out to Wakefield & ASSOCIATES VIA PHONE AND EMAIL after I noticed on my credit report is an outstanding balance from the company, I never had an agreement with or signed any documents with. I call and spoke with XXXX on XX/XX/XXXX and XX/XX/XXXX letting them know that what they are reporting is incorrect and that I call to the hospital XXXX XXXXXXXX XXXX XXXX XXXX XXXX which is the same company and spoke this the billing department. I was told I have no balance with them, and they will send me the document. I told XXXX what the billing department told me which is I have XXXX balance with the companies. I asked him for his first and last name for record purpose he did not give me a last name he told me to email them to file for a dispute if what they are reporting is wrong, they will reinvestigate and remove and they will respond to me via email in XX/XX/XXXX hours. I never received an email. please help me get this false information removed from my credit report this is affecting my financial wellbeing.
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

Several Call regarding the updating of my account to the three major credit beaureaus. 

Called 3 times in XXXX  and again in XXXX and was told they already updated my account info to the credit company
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OR)

I need to stress that this complaint isn't a mistake. My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to imagine, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am a victim of identity theft, my sister XXXX used myinformation to open accounts that i wasnt aware of. i have doen evrything that the bureaus have requested that i do and the items are still on my credit report