davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-29
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (NJ)

I have PNC Virtual Wallet account that include Three account together ( 1 ) Spending, ( 2 ) Reserve, ( 3 ) Growth whenever balance low on SPENDING account they withdraw from RESERVE first then GROWTH, On XX/XX/2018 XXXX XXXX I recieved text message says " On XX/XX/18, PNC transferred {$3.00} from your overdraft protecting account ending in XXXX to your checking account ending in XXXX. '' " On XX/XX/18 PNC transferred {$0.00} from your overdraft protecting account ending in XXXX to your checking account ending in XXXX. '' After i read this message I checked my account on my mobile and that time in SPENDING ( CHECKING ) Balance $ XXXX and RESERVE ( OVERDRAFT PROTECTION A/C ) Balance was {$190.00}. I immediate run to PNC ATM and Deposit CASH {$100.00} around XXXX XXXX  and it should cover my -XXXX-XXXX= $ -XXXX  and rest should cover from my RESERVE ( Balance {$190.00} ) at around XXXX XXXX  I checked balance again and that time PNC bank under " Temporarily Unavailable '' and today XXXX XXXX 'On XX/XX/18, your PNC checking account ending in XXXX was overdrawn. I was acted realtime and made CASH Deposit to ATM that cover my negative $ XXXX at around XXXX XXXX. so I actively acted immediately for my checking account balance bring positive balance. I made More deposit on XX/XX/18 around XXXX XXXX and all my account are positive.
Consumer complaint received 2024-04-18
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: EQUIFAX, INC. (FL)

I 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 nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 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 if you could assist in removing the following from my credit report. These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-17
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CT)

SPS servicing my loan and I try to refinance witch they are asking to pay whole amount in the amount of {$49000.00} and I am trying to refinance this from the last year, in different programmed every single time they denied, I have strong believe that they discriminate me in their Decision, therefore, Kindly look into this matter please.
Consumer complaint received 2023-07-26
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: EQUIFAX, INC. (NC)

The account open sky was charged and written off, and is still reporting late on my consumer report, witch is a violation of the fair credit reporting act law. 

Iv contacted the company asking to remove the incorrect information and they have not Iv also ask for a 1099, for proof that the debt was mine and that it had been written off and was never received 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 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I believe FCRA 605B says we need to take out any wrong accounts from my credit report. Can you look at the papers? Some of the accounts listed have wrong information about reporting, the amounts are wrong, and the dates are wrong.
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Inquiries on credit that doesnt belong to me And wrong name and 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 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 2022-12-05
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)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXXXXXX XXXX  XXXX CT XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-04-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I 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 nephew, XXXX XXXX XXXXXXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 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 if you could assist in removing the following from my credit report. These are the accounts : 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 Incorrect Address - XXXX XXXXXXXX XXXX XXXX, FL, XXXX EMPLOYER - XXXX XXXX
Consumer complaint received 2023-12-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: DISCOVER BANK (WI)

I received a text message about a charge on my account from Florida - I live in Wisconsin. I responded " no ''. Someone then called me from my bank ( Discover ) and asked me about XXXX payments I had made, which I confirmed ; they asked for some details ( the last XXXX of my social and my mother 's maiden name ). As I was talking to them, XXXX money transfers were made ( {$33000.00} and {$10000.00} ). They asked me to sign an affidavit ( attached ) and set up a fake appointment for the following day. 

When I called back the next day, no one knew about the appointment, and the money was gone. 

Now, by accident, my employer sent my salary payment to the Discover bank, and I had to make a money transfer to my new checking account. Now, I had to speak to a third person who required a copy of my driver 's license and a selfie. 

How did the previous money transfer get made, and then Discover implemented a new policy that would have stopped the first XXXX transfers?
Consumer complaint received 2024-03-05
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (NJ)

I applied for a student credit card from discover financial that I was pre approved for on XX/XX/2024, and was prompted to submit proof that I am a student. I was not notified before the application process that I would be required to submit such documentation, nor was there any information indicating that such documents must be in English or exclusions of schools that may not qualify, to consider someone a student. In any case I submitted a document with the required information according to the prompt although it was in Hebrew. After submitting my document I was notified by a representative that the document would not be accepted since they could not read it. I was unable at that time to get the required documents in English at that time, and the representative offered to change my application to a non student application, and told me this change would not be able to be undone. I was desperate to get this completed, so I requested she change my application and I was declined. This ruined my already precarious credit score for no reason. On a side note the representative told me that there is a specification on their site that requires all written communication to be in English, however I don't believe a document for verification constitutes written communication, and I also don't believe this information is available to the customer nor is it directed at the costumer.
Consumer complaint received 2024-02-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC. (AZ)

On XXXX XXXX my son, XXXX, and I were granted a loan modification agreement including an interest rate of XXXX percent. We have complied with the terms of the agreement making all monthly payments. On XXXX of XXXX we were sent another loan modification agreement offer, which we did not initiate. On XX/XX/XXXX, I rejected the new offer stating I wanted to stay on the loan modification agreement already in place. 
Because of this conversation, on XX/XX/XXXX, the mortgage company reversed the loan modification agreement of XXXX putting us back on the original loan of XXXX. 
We received a letter on XX/XX/XXXX stating we are in default. I contacted the mortgage company several times since then trying to get someone to see that this company made a huge mistake. Finally a dispute was started by a supervisor. I was advised to continue making payments, but that I would need to wire my payments from my bank. I am current with payments. I sent a dispute letter on XX/XX/XXXX and enclosed a copy of our loan modification agreement. We have received letters stating that that company was looking into the matter, that 30 days were needed and again that another 30 days were needed before we would receive a response. When I called to get updates, I am continually asked why I have not made payments and what has caused us to be in default. On XX/XX/XXXX, I spoke to another supervisor that assured me he would expedite the process to remedy this mistake. He advised me to call the following Monday for an update. He was not available and I was told that the company is still working on it.
Consumer complaint received 2024-02-20
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (WI)

Freedom Mortgage has been absolutely horrible. My loan was sold to them XXXX of XXXX, and Ive had issues since. 

XX/XX/XXXX. 
I reached out to Freedom Mortgage to ensure they knew of my property taxes ( from my escrow account ) to be paid before XX/XX/XXXX. I sent them a copy of the tax bill from the county to show payment dates. Was told that there would be no issue. Fast forward to XX/XX/XXXX, I receive a late tax bill because Freedom Mortgage did not pay my taxes on time. Was told once again that this would not happen moving forward. 

XX/XX/XXXX My monthly mortgage payment skyrocketed an additional {$700.00} a month for no foreseen reason. I came to find out that my escrow had been adjusted to reflect property tax payments three times the amount of what my actual taxes were. This change was made with no warning or explanation at all. To make things better, I had a tax payment due XX/XX/XXXX, and they paid that amount before the due date finally. Then, Freedom Mortgage paid the same amount on XX/XX/XXXX for no reason whatsoever. So as I am going through the property tax line adjustment period, they drained my escrow account for no reason. They could not tell me why this payment was made. Now I have an escrow analysis being performed while my account is negative because my home owners insurance has now been paid out. This is destroying my life and these people need to be held
Consumer complaint received 2020-12-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Was paying {$440.00} dollars monthly and with out any notices or calls I was charged XXXX that wasnt authorized by me .... please call me XXXX or email me at XXXX XXXX
Consumer complaint received 2020-09-12
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: EQUIFAX, INC. (MA)

How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified Hows it possible that youve reported me 90 days late with no late payments prior to that? Also, wasn't XXXX student loan servicer was sued for not applying payments to consumers accounts correctly. I was never late and this account needs to be removed.
Consumer complaint received 2023-12-27
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In advance of making a major credit card purchase for a vacation, I called B of A to confirm that I would get the advertised cash back 6 % rewards, and was told yes, twice. I then thanked the agent and made the purchase, as discussed with him.

After I made the purchase and received my statement, I noticed that they did not honor that advertised and verbally confirmed commitment by saying they did not enroll me in the promotion, as I asked the agent to do and confirm.

After a number of attempts to correct this, I cut my ~20 year relationship with B of A, as some premier (? ) level client. 
I have since received through my current bank, XXXX XXXX, a physical check # XXXX BofA sent to them in our names, in the amount of {$38.00}. This is appreciated, but confusing ( no explanation ), and falls far short of their advertised and verbal commitment of the credit card cashback received incentive. I have since read in the print media that I am not the only one that may have been lured into their incentive programs that they did not honor.
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Grow Credit Inc (CA)

I contacted Grow Credit , IncXXXX in XX/XX/2024 in an attempt to resolve a balance of {$28.00} showing on my credit report. Although I did not recognize this account debt or lender, I was willing to pay the {$28.00} to resolve it from my credit report. The associates I spoke with several times stated that this account has been charged off and there is no way for me to make a payment to them or any third party for the debt to be removed from my credit report. They stated the account has been closed and can't be reopened and there is no way for this situation to be resolved. When I disputed this account stating that I don't recognize it, they fought it and refused to allow it to be removed. In essence, they are holding my credit report XXXX, by reporting the account as open, past due, charged off, and not allowing me to make a payment to resolve the account even though I don't claim ownership or responsibility. It is completely unfair that I would have to let this negative mark appear on my report and not be allowed to seek recourse.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 2023-09-16
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: Experian Information Solutions Inc. (PA)

To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 
I did not authorize these inquiries XXXX XXXX  Inquiry : XX/XX/2023 XXXX XXXX Inquiry : XX/XX/3021 XXXX XXXX  Inquiry : XX/XX/2023 Please remove it from my credit report
Consumer complaint received 2024-02-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NJ)

I have been trying for over 2 years to get my student loan forgiveness resolved, I owe about {$14000.00} dollars and have applied to the PSLF and TEPSLF with all the required information. Mohela shows that I have made over 150 payments with no issues and that I qualify. I have been in the same school district ( XXXX XXXX XXXX in XXXX XXXX NJ ) for over 14 years and qualify for the debt forgiveness. They are only recording XXXX payments, and when I call the PSLF and Mohela, they both see that I made the correct number of payment and get pushed back to the ( From Mohela to PSLF, and from PSLF to Mohela ) to resolve the issue. I event went back to XXXX to get my old records and submitted them, but was told that they need it directly from the lender. I have spent countless hours on hold speaking to various people I continually resubmit and am being told that I will have a response in 15 days, only to wait to + months to get an email saying that they are reviewing my case. This has been going on for close to 3 years and I do not understand what the delay is. I have documented emails and paperwork showing that I made 150 continuous payments and more than qualify to get this small debt forgiven.
Consumer complaint received 2024-04-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NJ)

I am writing to address the presence of unauthorized transactions in my consumer report, which I did not authorize or instruct. As a result, I formally request the blocking and removal of these accounts without any inaccuracies or misrepresentation of facts. Below, I have listed the specific accounts in question : It appears that your organization may be violating 15 U.S.C 1681a 2 ( A ) ( i ), which prohibits a consumer report from solely containing information about transactions or experiences between the consumer and the entity reporting the information. 

This statute explicitly states that XXXX, as the reporting entity, should not include transactions or experiences associated with the line of credit extended between the consumer and the reporting entity in my consumer report. 

I urge you to promptly update my utilization to XXXX XXXX or below within XXXX calendar days or remove all utilization from the mentioned accounts. 

Furthermore, I request that you provide all documents on which you rely for reporting the referenced accounts, in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). The information you are reporting is damaging to my reputation and adversely affecting my creditworthiness. 

Therefore, I demand the removal of these accounts from my file within 30 days, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verification of these accounts. 

Additionally, along with the removal of erroneous and unverified information, kindly eliminate all non-account holding inquiries older than 30 days. 

Failure to provide a satisfactory response with the deletion of the mentioned utilization and inquiries will result in legal action against your company, for which I will seek {$1000.00} per violation : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2023-02-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (TX)

I had overdraft fees and all types of stuff charged to my account over the time period that I had a Wells Fargo account and it ended up getting closed because of that. I dont have access to the information anymore but this was in XXXX, i cant remember the exact dates or amounts but if someone could get access to my account then they would be able to see this.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Please provide me with exact documentation and processes you have used to validate this information. I request that you provide me with proof of this alleged payment being late. Please provide your method of validation on how you are reporting a collections with a past due amount as accuate.