davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A. (PA)

Hello, I am in the process of purchasing a new home. The settlement was originally scheduled for Wednesday, XX/XX/2023. On Monday, XX/XX/2023, a fraudster impersonating my settlement company 's closing agent sent me wiring instructions informing me the account number and routing number to wire the purchase proceeds to a fraudulent account. I submitted the wire transfer from XXXX XXXX XXXX on Tuesday, XX/XX/2023 to the fraudulent account held at PNC. We identified same day that the receiving account was fraudulent and notified PNC to block the funds from being deposited into the fraudulent account. They were successfully able to block the deposit even though the funds were transferred. 

XXXX has submitted two requests to return the funds so we can proceed with wiring the funds to the correct account so the closing can occur and the sellers can proceed with closing on their new home. Numerous calls have been made to PNC to request the funds be returned, but PNC has been either duplicitous about the status of the funds or they're just being incompetent. The fraud manager at XXXX contacted her counterpart at PNC and he confirmed seeing the return request in their system. Today PNC reported they never received the recall request even though XXXX had their confirmation codes from the transfer system. The settlement agent had to personally go to the corporate office to speak with someone directly. Only until then did PNC confirm that fraud had occurred on the account and the funds are frozen. They won't provide any indication as to when the funds will be returned so the subsequent closings can take place. The sellers ' possessions are in a moving van and they are staying with parents until this gets resolved. PNC needs to be exposed for their duplicity or incompetence. Please help!
Consumer complaint received 2023-05-30
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: DLC, LLC (NV)

Dollar loan center keeps harassing me at work, every day for last month. Telling my employer their name and how I owe money to them. Called my personal phone every day. I talked to them and told them I have health issues and waiting for 2 surgeries, cant make payments right now. Still calling every day. Called me yesterday on XX/XX/XXXX when I was off and told my coworker to tell me Dollar loan called and I need to pay my loan. 
Thank you XXXX XXXX
Consumer complaint received 2018-04-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (AZ)

I have held an FHA mortgage with Wells Fargo since XX/XX/XXXX, loan number XXXX. I have owned this home since XX/XX/XXXX.  Never before had I missed a mortgage payment with Wells Fargo, or my previous loan processor despite significant financial hardship incurred during XX/XX/XXXX-XX/XX/XXXX due to losing my job in the financial industry. In XX/XX/XXXX, I inquired about a modified payment plan on my mortgage ending in XXXX in order to help me stay afloat. Wells Fargo informed me they did have a 6 month plan where I could reduce my monthly mortgage payments from {$1100.00} down to {$320.00}. Not once during the process was i informed of the need to complete a loan modification at the end of the 6 month period. I was approved for this plan, and began making reduced payments on XX/XX/XXXX. Not once did I miss a scheduled mortgage payment during this period. Nor did I receive regular monthly statements informing me of what was going on with my loan. At the end of the six month period, I received a notice of foreclosure on my property unless I paid an overdue balance of {$8100.00}. This was, of course, a severe shock to me as nowhere was this ever disclosed. After speaking to Wells Fargo on multiple occasions, I was informed that none of my 6 {$320.00} payments were applied to my loan, they were held in an " un-applied funds '' state. They informed me I had three options, pay the overdue balance, apply for a loan modification, or lose my home. Seeing no other choice, I applied and went through the loan modification process. At the end of which, after supplying tremendous amounts of documentation to WFHM, I was declined as they determined I did not have sufficient ability to repay my loan, despite having a full time job earning a reasonable salary. At this point I either had to come up with {$8100.00} or lose my home that I had built a significant amount of equity in. I was able to scramble to pay the overdue balance by borrowing funds from family, however, to add insult to injury, I later found out that Wells Fargo had reported me as 180 days delinquent on my home mortgage, despite having made every scheduled payment on time. I contacted Wells Fargo multiple times, and even wrote a letter to the executive escalations team to have these late payments removed from my credit and a refund of any fees that were assessed to me from the 6 month modified payment plan, however I never received any resolution. Due to the late mortgage payments reported to my credit, my wife and I experienced severe hardship as we were unable to purchase a home for many years after the fact due to the damage to my credit that was unjustly done by Wells Fargo. I have always felt this was a blatant fraudulent attempt to seize my property through shady mortgage tactics, offering hope to someone experiencing financial hardship only to step in at the last moment to take my property under the guise of foreclosure.
Consumer complaint received 2024-04-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2023-08-03
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: LEXISNEXIS (FL)

I am writing to address a concerning matter regarding the reporting of my credit information by your agency. It has come to my attention that late payments and credit utilization data have been included in my credit report, despite falling under the exclusions of transactions and experiences as defined by the law.

I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 ( a ) ( 2 ), which requires consumer reporting agencies to provide accurate and fair credit reporting. Additionally, 15 USC 6801 and 6802 ( b ) ( 2 ) explicitly state that nonpublic personal information, including transaction and experience data, should not be disclosed without proper authorization. 
By including late payments and credit utilization data in my credit report, your agency is in direct violation of these federal laws. As a result, this inaccurate and misleading reporting is adversely affecting my creditworthiness and financial standing. 
Moreover, these violations raise serious concerns about this agencies blatant misuse of my personal information and other fraudulent activities. Under 18 USC 1028 ( a ), such identity theft offenses are subject to criminal penalties, further emphasizing the gravity of this matter.
Consumer complaint received 2023-08-18
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: GOLDMAN SACHS BANK USA (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My wife and I opened XXXX checking accounts on XX/XX/XXXX. The accounts were our " house '' account XXXX and " groceries '' account XXXX. When we opened the accounts, we were required to hold an aggregate average daily balance of XXXX or we would be assessed a {$25.00} fee each month. The fee is only assessed once regardless of the number of accounts. We added XXXX more checking accounts " billpay '' XXXX and " savings '' XXXX on XX/XX/XXXX that were also linked so that their balance was included in the aggregate daily balance. We were assessed no fees through XX/XX/XXXX because our aggregate balance was above {$10000.00}. My wife added a fifth checking account " XXXX  '' XXXX in XX/XX/XXXX. However, when the bank added the fifth checking account, the customer service agent changed which accounts were linked. There are XXXX boxes the customer service agent has to check to link and include the accounts in the aggregate balance calculation. The agent setting up my wife 's account did not check them both which caused the billpay, savings, and XXXX account to all have their own individual {$10000.00} requirement ( {$1500.00} in the case of the nana account ). As a result of this customer service error, the bank assessed fines on those XXXX accounts intermittently from XX/XX/XXXX to XX/XX/XXXX ( when we realized the error ) totaling {$1200.00}. I discussed this error with a customer service representative and my understanding is that if the accounts had been correctly linked per the original agreement, we would never have been assessed a fee on these accounts. We should have only been assessed {$120.00} in fees ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) on the house account XXXX account. The bank has refunded {$75.00} in fees.
Consumer complaint received 2023-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

On or around XX/XX/2023 I received a notification that my Experian credit score had decreased by XXXX points and apon inspection into this concern I noticed personal information that was not granted by myself or a court order was appearing on my consumer report. So I contacted a agent at the Experian consumer reporting agency and advised them that there were unwanted, unauthorized information on my consumer report # XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX and to please remove and update. After the agent argued with me over what they could do and not do about my request I then made the agent aware that Experian policy doesn't supercede federal law and there should only be 1 ) Name 1 ) address 1 ) S.S # 1 ) D.O.B A copy of this report will also be sent to the XXXX. And the Attorney General.
Consumer complaint received 2022-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (TX)

On XX/XX/XXXX I contacted Macys to purchase a sofa and chaise. I called in online to speak with a representative after applying for credit through the website. A few things happened during that initial call. First, I confirmed with the sales agent, XXXX XXXX, that I would be receiving 20 % off of my purchase. She affirmed and said that the 20 % off would apply to the total purchase price of {$3000.00}. This did not happen and I was instead reimbursed only {$100.00} ( rather than {$610.00} ). Additionally, the wrong sofa was ordered. After numerous mishaps with delivery ( first delivery didnt happen because the item was damaged and refused, second delivery did not have the chaise, third delivery had the chaise in the wrong color, fourth delivery was accurate ), I was charged twice for the sofa portion of the order. This was a purchase totaling {$1300.00} with taxes and miscellaneous charges. My credit limit was raised manually back on XX/XX/XXXX ( which is why I had to call in originally ) to a total of {$3500.00}. By charging me twice for the sofa, I was put over my credit limit on XX/XX/XXXX and reported negatively to the credit bureau. 

When I received my first billing statement I noticed the overage on my account. I contacted Macys customer support ( Case # XXXX - XXXX ) and told them all of the details above. I was told that they would open a double charge dispute which will take up to XXXX billing cycles ( for a total of XXXX ) to resolve. I requested that the cease negatively reporting me to the credit bureaus and remove existing negative information and they refused stating they would not do so until the dispute was resolved. That said, I will now have upwards of XXXX total months of being over my limit despite not and the company refuses to correct this mistake. 

To summarize : Macys is incorrectly reporting me to the credit bureaus for being over my limit. Macys did not apply the correct discount to my initial purchase. Macys refuses to stop negative reporting and removing existing reporting until their arbitrary process to resolve my dispute is finalized.
Consumer complaint received 2023-08-17
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: Nelnet, Inc. (TX)

I have been writing letters and sending in documentation to the creditors and also the credit bureaus, showing that the attached debts were apart of identity theft. I have provided police reports, ftc filing reports, documentation to prove these debts do not belong to me. 

I have been doing this for the past 2 years and the only bureau that has updated the information is XXXX.
Consumer complaint received 2022-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer furnish account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-08-17
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (FL)

This is not my account They are hurting my credit. I am a victim of identity theft. This company has not and will not provide documents of how they are verifying the account to me. this account is not mine i do not and has NEVER shopped with this company. I have XXXXXXXX XXXX
Consumer complaint received 2023-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Report Act XXXX  Account # XXXX XXXX XXXX also # XXXX DPT EDXXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. See tates that I have the right to my privacy.

15 U.S.C 1681 section A. section 2 : It also states a consumer reporting agency can not furnish my account without my written instructions.
Consumer complaint received 2023-08-17
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. (HI)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-01-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (TX)

I was behind on mortgage payments and i applied to the XXXX XXXX XXXX XXXX to get approval for funds to bring my mortgage account current. I was approved in XX/XX/2022 and the XXXX XXXX XXXX XXXX gave US Bank XXXX to apply to my mortgage payments to get my account current. The bank took the money and applied it to my mortgage arrears bringing me current HOWEVER i was ALSO approved for an ADDITIONAL XXXX payments of mortgage payments to help me stay current. US Bank has REFUSED to contact XXXX XXXX XXXX to request the funds and now i have falled behind ONCE AGAIN because of this banks laziness and unprofessional ways. I have called both US Bank Mortgage and XXXX XXXX XXXX  and have gotten the run around. I am told by XXXX that the money is approved and available and all US Bank has to do is REQUEST the money to apply the payments the same way they did with the initial payment of XXXX. I need help to get this resolved. My account is now a month behind and i am sure the mortgage is making interest off this situation. Please help me get this resolved and get the bank to request the money an get it applied correctly to my account so my XXXX XXXX is not further impacted. Please help me!
Consumer complaint received 2023-08-17
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: SYNCHRONY FINANCIAL (CA)

This is my complaint about SYNCB/PPC. I accept that my data is being abused and detailed as wrong. In my credit report from XX/XX/2023, I discovered some slanderous things that I didn't know about. I found late installments which never occurred and accounts with mistaken data, like installment history, status, balances, and date of last action. As per 15 U.S.C. Area 602 and 15 U.S.C. Segment 604 A Part 2, I have the right to protection and a buyer revealing office can't outfit a record without my composed directions.
Consumer complaint received 2018-07-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (FL)

Regarding complaint XXXX I requested you subpoena the internal email messages to PNC and NOT IMs. There were no IMs! 
They stole money from me- a significant amount! XXXX verified the charge was a mistake! Attorney advises those messages are available on their server! I want justice!
Consumer complaint received 2023-08-17
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/XXXX To Whom It May Concern, I am writing to bring a grave matter to your attention, seeking your intervention to enforce my legal rights and rectify a distressing situation that has deeply impacted my life. My purpose in writing to the Consumer Financial Protection Bureau ( CFPB ) is to implore your assistance in rectifying violations that have occurred under my credit report, thereby ensuring my rights as a consumer are upheld. 

Creditor Details and Violations : XXXX. XXXX Account XXXX : XXXX Issue : The presence of this account on my credit report has had a profoundly negative effect on my financial well-being. 
Violations : Potential violation of the Fair Credit Reporting Act ( FCRA ), particularly Section 623 regarding responsibilities of furnishers of information to consumer reporting agencies. 

XXXX. XXXX XXXX Account XXXX : XXXX Issue : The inclusion of this account has caused undue stress and has hampered my ability to pursue crucial financial endeavors. 
Violations : Potential violation of FCRA in case of inaccurate or unverified reporting. 

XXXX. XXXX XXXX Account XXXX : XXXX Issue : The presence of this account on my credit report has impeded my efforts to secure favorable lending terms. 
Violations : Possible violation of FCRA if inaccuracies are present on the credit report. 

XXXX. XXXX Account XXXX : XXXX XXXX : The inaccurate reporting of this account has hindered my financial stability. 
Violations : Potential FCRA violation due to inaccuracies. 

XXXX. XXXX XXXX | XX/XX/XXXX Account Number : N/A Issue : The impact of this account on my credit report has led to unwarranted financial setbacks. 
Violations : Potential FCRA violation if inaccuracies or unverified information is present. 

Personal Story and Request for Resolution : [ Share your personal story here. Describe in detail the emotional and financial distress caused by the presence of these accounts on your credit report. ] I implore the Consumer Financial Protection Bureau to wield its authority in addressing these issues and enforcing my rights as a consumer. I earnestly request that the aforementioned unverified accounts be expeditiously removed from my credit report, allowing me to restore my financial standing and pursue my life goals without unwarranted hindrances. 

Your intervention in this matter would provide much-needed relief and restore my faith in the financial system. I am committed to cooperating fully to rectify these issues. 

Thank you for your prompt attention to this matter. I can be reached at [ Email Address ] or [ Phone Number ] to provide any additional information you may require. 

Sincerely, XXXX XXXX XXXX