davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: PNC Bank N.A. (CO)

Two companies are involved - XXXX ( XXXX XXXX ) and PNC Bank- I initiated a wire transfer on XX/XX/2023 that left my XXXX XXXX. We followed PNC 's mortgage payoff letter on where and how to send. The money left my XXXX account but PNC never posted to my mortgage. Neither company is able to tell me where my {$100000.00} went.
Consumer complaint received 2024-01-11
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: CITIBANK, N.A. (WI)

I have a Wayfair account that is through Citibank credit card company. There was a balance on my account that I reported as fraud ( identity theft ) for a purchase that I did not make. I contacted the company ( Wayfair ) and also Citibank. They said they would look into it for me. Wayfair determined I did not make the purchase because I've always paid for whatever I ordered through them in a timely manner and my account balance is XXXX. Citibank shows on my XXXX report as saying the charge was accurate ( which is not true ) and they have refused to delete the charge which is killing my credit score. I have uploaded my Wayfair account to them but I do not trust them anymore. I have been a victim of identity theft in the past and it's not good and it's really hard to recover from that. I've been working so hard to get my credit back up and I try to make all my payments on time and pay things off as quickly as I can. I want my credit report score to be back over XXXX which it was prior to this fraudulent charge showing up on my name. Citibank is not doing a diligent job of accurately finding out what happened. I have not been given any proof that I made a purchase and have not seen a product for the price. I did not purchase any type of Internet service from XXXX.
Consumer complaint received 2023-12-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (NJ)

In accordance with the Fair Credit 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 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 Credence Resource XXXX XXXX
Consumer complaint received 2024-04-06
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)

This account XXXX XXXX is not mine is supposed to be deleted off my credit report from numerous disputes. It keeps appearing up and now its popped up and said the first day of the delinquency was XX/XX/2024. This is theory for the information reported on my credit report.
Consumer complaint received 2024-01-11
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (VA)

I had close my Chase freedom credit card account after full payment, afterward a fraudulent transition occurred. For XXXX  XXXX  and i disputed it, I already requested multiple time I am not paying anything especially when I request to close my account with XXXX balance Still getting bill for small amount and I am fed up of it On the phone they said will take care of it but still getting bills even though I had closed account t
Consumer complaint received 2023-11-24
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Wealthfront Corporation (NJ)

I opened a cash management account with wealthfront and a few days after I funded the account and requested a debit card, they closed the account without notice, warning or explanation. The only response I received was, wealthfront didnt think I was a good match for their product.
Consumer complaint received 2023-10-04
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. (FL)

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-07
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. (CA)

I contacted Experian XX/XX/XXXX to dispute open student loan accounts that were closed in XXXX. I also contacted them XX/XX/XXXX to dispute the same accounts. Each time after their investigation items come back as accurate and unchanged. I have a letter from the Dept of Education illustrating that the accounts were closed as of XXXX. Experian did not do the disputes and failed to provide me with communications that they had with the creditor. Had they legitimately investigated the dispute the Dept of Education would have sent them the same letter they sent me verifying the status of the account.
Consumer complaint received 2024-01-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BC SERVICES, INC. (TX)

I am writing to file a formal complaint against BC Services Inc., a debt collection agency located at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. 

I have been in communication with BC Services Inc. regarding a debt collection matter related to my state taxes. While I am willing to cooperate and have agreed to a monthly payment plan, I am concerned about the agency 's insistence on obtaining my credit or debit card information before finalizing the agreement. 

This request raises questions about the legality of such a requirement and creates an unnecessary burden, especially considering alternative payment methods like checks. I believe this may be a violation of consumer rights and merits investigation. 

Details of the complaint : Name of Company : BC Services Inc. 

Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I kindly request the Consumer Financial Protection Bureau to investigate this matter and take appropriate action to ensure compliance with consumer protection laws.
Consumer complaint received 2024-05-01
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P. (MI)

I not sure if I checked all of the correct prompts, but I keep getting mail for someone who does not live at my address. I have notified process servers and the postal carrier. I have sent back mail several times. I know that these mailings are an attempt to collect debt and contain court documents because XXXXne packet came in the mail open and just in a USPS clear bag. I have spoken to the addressee via a 3rd party neighbor, and she has confirmed that she has updated her address, yet this company keeps sending me her personal financial information. I know this to be a violation of the Financial privacy laws. Had I not contacted her, she would have likely missed important court dates as she now lives in another state.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Diverse Funding Associates LLC (NC)

I've called DNF Associates several times at XXXX and XXXX as late as last week with no response from the automated system. I was re-routed to XXXX XXXX XXXX and they stated I owe them nothing. All the records have been checked and I do not owe DNF. I did not sign a contract with DNF Associates so they should not be posting to my credit report.
Consumer complaint received 2024-02-02
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (DE)

Nothing happened but I am writing to shame Home Depot for sending out notices to card holders stating they will start charging a whopping 29.99 % interest beginning XX/XX/year>. Highway robbery and, of course, this will hurt the " little '' person who has home damage from tornadoes, hurricanes, storms, etc. Home Depot is just in time for the tornado season.

Shame! Shame! Shame! 
Regards
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of accounts that do not belong to me or were opened without my permission. 
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 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-10-04
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. (MN)

In accordance with the fair credit reporting act the creditor " XXXX XXXX XXXX '' violated : 15 USC 1681 section 602 Right to privacy 15 USC 1681 section 604a section 2 A credit reporting agency can not furnish an account without my knowing.

15 USC 1666 B A creditor may not treat a payment as late for any purpose.
Consumer complaint received 2023-08-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (FL)

On XX/XX/2023 I sent a handwritten dispute letter to Spring Oaks Capital LLC, which was received on XX/XX/2023. In the amount of {$14000.00}. I still haven't heard from them yet. However, after future review of my credit report. Spring Oak Capital LLC, continue to report negative information on my credit report without providing any proof of debt or any contract bearing my signature.
Consumer complaint received 2023-08-29
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. (FL)

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. Account name : 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 XXXXXXXX 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 other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: SELECT PORTFOLIO SERVICING, INC. (LA)

I am writing to bring to your attention a concerning issue I have encountered with Select Portfolio Servicing , Inc . Despite numerous attempts, Select Portfolio has failed to provide documentation regarding a {$30000.00} deferment charge added to my mortgage. 

I have made several requests, from XX/XX/XXXX and XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX directly and through legal representation, for Select Portfolio to produce the signed deferment agreement. However, they have consistently failed to provide this essential information, which is critical for me relative to my mortgage balance. 

The lack of transparency and refusal to provide documentation raise serious concerns about Select Portfolio compliance with consumer protection laws and regulations. As a consumer, my right to access clear and accurate information about my mortgage, including any fees or charges imposed by the lender have been violated. 

I believe that Select Portfolio actions constitute unfair or deceptive practices, and I respectfully request that the Consumer Financial Protection Bureau investigate this matter. I trust that your agency will take appropriate action to ensure that Select Portfolio complies with all applicable laws and regulations and provides the necessary documentation without further delay. Which I know doesn't exist due to the fact I have never signed a deferred payment plan, neither have I been behind in payments that warranted a {$30000.00} deferment. 

Please find enclosed copies of my previous correspondence with Select Portfolio, as well as any relevant documentation related to this issue. I am available to provide any additional information or assistance you may require to facilitate your investigation. 

Thank you for your attention to this matter. I look forward to a prompt resolution and appreciate your efforts to protect consumers ' rights.
Consumer complaint received 2022-11-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2022, Bank of America informed me that within five to seven business days I was going to receive a new credit card because the account that I had before had been closed due to fraudulent activity. The number of the acount that was closed is XXXX XXXX XXXX XXXX. I have contacted Bank of America on several occasions and they always told that they are going to mail me a new credit card but they never sent me the new credit card. Please request Bank of America to provide me a new credit card inmmediately.
Consumer complaint received 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CO)

I found addresses on my account that i have never lived at and addresses that I haven't lived at in over 10 years. I sent each XXXX, Equifax, and XXXX XXXX letters asking them to remove the incorrect information. And to only show the correct information. They didn't. This is placing me at risk of identity theft. If my personal information is sent to one of those incorrect addresses. 
I also found that my name was missed spelled and missed used as also known as.
Consumer complaint received 2024-01-18
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BMO Bank, N.A. (CO)

I was a Bank of the West customer with no communication issues, zero difficulty signing on to the app or website, and no late payments. In XXXX, the non-profit organization where I was employed ( for just over five years ) had a catastrophic loss of funding ( due to lingering XXXX related collections issues ) of XXXX XXXX dollars. As a result, XXXX XXXX and XXXX were cut. I was XXXX XXXX from my job. This series of events was very disheartening and financially devastating. 

While I worked to navigate this very challenging situation, I relied on my savings and other income to continue to meet my financial obligations. As these circumstances took an extended period to resolve, I decided that my best ( and most responsible ) course of action was to work with a consumer credit counseling agency. 
The start-up part of the process occurred in XXXX and XXXX, communicating with creditors and reaching agreements to work with me through XXXX. The Bank of the West agreed to participate and further agreed to payments of {$130.00} monthly. Payments were made in XXXX and XXXX. In XXXX, I received a letter from XXXX informing me that BMO had purchased the Bank of the West and that BMO would not work with credit counseling agencies, would not honor agreements made by Bank of the West, and thus had been removed from my CCC monthly plan. Throughout XXXX, I attempted to understand and seek a solution to the problem. I repeatedly contacted BMO and held for extended periods, received inconsistent information, tried to speak with a supervisor, and was told none were available ; the one supervisor I spoke with said that the best plan available would be one requiring me to make three consecutive payments of {$630.00} to bring the account current ( if I could make payments, at this level, I would not have been calling, which I told her ), I requested assistance with the app and website sign-in as I was unable to access either and was told to just use you BOW log-in, I said to them that I no longer had that card and had never received a BMO card. I am also not receiving email or hard copy statements. Still, they could not provide a solution ; I received automated calls, and when I answered, either there was no one on the line or the person on the line was not properly trained and could not assist. When I attempt to sign in on the app or online with my social security number and e-mail ( the same for over 15 years ), I receive an error message saying, XXXX, this information does not match our records. 

Online reviews are staggeringly negative. The XXXX rating is one on a scale of five ( based on XXXX complaints in just Colorado ). Clearly, my experience is not unique.
Consumer complaint received 2024-01-17
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: National Credit Systems,Inc. (CA)

So I had a legal document sent to the credit company XXXX and to the debt collector requesting info that I requested from them explaining in detail all this money they are telling me I owe I have not received anything to date but XXXX says the investigated and shared nothing with me only that they were not remove it how can you ignore my request for info that is simply false my lawyer broke it down in a very detailed letter onwhati was, I was legally in titled to and I got nothing not even a response to be honest something is not right about the way expireran is handling my credit I have had many problems with them ignoring police reports requesting me to go above and beyond whats legally required to prove my case and when I do they still ask for more info only to find out they use a computer system to make judgements and issue a final determination on the my dispute in which I have expressed that I am not at all comfortable with to the point I have had to seek legal help and still am getting shutdown and Ignored in my request for info that I should be given I would like to see there investigation so that me and my lawyer can go over it and dispute accurately and I get nothing as a matter of fact they changed the date that I opened the investigation they ignored all request for infos on this debt and I for supporting there supposed investigation XXXXm sorry but this is a serious matter and there word unfortunately is not good enuff and I am asking for a complete review on this debt and a break down and for it to be explained on where the amount I am being charged came from dollar for dollar cent for cent along with the amount they were paid on my behalf from Covid 19 rental relief that they applied for after I left like it was agreed that I would move out and end lease due to the issues that Covid 19 were causeing the whole country infact expireran dosent even see the fact that I have two diff apts propertys saying I owe them at the same time same time period I have been a victim like so many of the landlords in XXXX XXXX that not only are charging people for rent that was not owed but the fact they they were paid by government funds even after I was no longer staying there but yet I order for them to apply for those moneys they had to lie and say I was liveing there which ok they were paid but they are still trying to get more money and when they took those relief funds they weer not suppose to go after tenants for back rent which they clearly are and XXXX is allowing them to abuse there authority
Consumer complaint received 2023-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED 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
Consumer complaint received 2023-05-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (MO)

We have had a money market account wih US Bank for years paying a very low percent, 0.005 % most recently They called this account a Platinum Money Market account..They recently introduced an Elite Money Market account paying around 3.4 % about 4-5 months ago. However, our account continued to pay the low rate while the new money market paid higher. We feel US Bank has/had an obligation to pay us the same rate as their new offering There should be no difference how money markets are handled and the yield they earn. Basically, they have an obligation to honor the new rate for our account. 

I contacted US Bank regarding this wih no success.