davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-25
Product: Credit reporting, credit repair services, 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. (NJ)

I am a natural person, I am a living human being, I have rights under 15USC 1681 ( a ) accuracy and fairness of credit reporting Experian is governed by 15USC 1681and they have violated my rights by furnishing unauthorized inquiries to my credit report, also pursuant to 15USC 1681 ( n ) civil liability for willful noncompliance- 15USC 1681 ( n ) ( a ) is liable to that consumer in the amount of any actual damages sustained by the consumer not less than {$100.00} dollars and not more than {$1000.00} dollars. I demand that the accounts listed below removed from my report. XXXX XXXX XXXX  - XX/XX/2022 - XXXX XXXX XXXX XX/XX/2022 - XXXX XXXX XX/XX/2022 - XXXX XXXX XX/XX/2022 - Police & Fire XX/XX/2022 -- I demand these hard inquiries removed from my XXXX credit report/file, XXXX XXXX XXXXXXXX XX/XX/2022, - XXXX XXXX XXXX, - XXXX  XXXX XX/XX/2022, - XXXX XXXX  XX/XX/2022, - XXXX XXXX XXXX  XXXX XXXX, - XXXX XX/XX/202XXXX XXXX
Consumer complaint received 2023-07-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (FL)

I have been victim of Credit card identity theft My Chase checking account has been exposed to fraudulent activities since Saturday XX/XX/XXXX. 

- some open new credit card under my name ( Chase unlimited ), as soon as I noticed that this new additional card was listed under my Only Chase sapphire preferred card I had to call bank to report and request from the bank to shut down that account. The bank did it and they said they will contact XXXX, XXXX and XXXX. I wasn't able to get in touch with any to those agencies. I will be doing report myself as well. 
- On XX/XX/XXXX some unknown person made an online payment from my credit card to XXXX in amount of {$300.00} and change. I called the bank to dispute it and they did.The charge was disputed. 
- On XX/XX/XXXX person under name XXXX XXXX of {$100.00} paid himself with using my XXXX account. The bank was able to prof that this was a fraud. 
I has one more transaction of {$50.00} on XXXX totally unknown. 
- I called bank to close by credit card and to reissue a new card.I received envelop with 2 credit card on XX/XX/XXXX with XXXX cards in it, both cards had same number but they are under XXXX different names. XXXX was under my mine name XXXX XXXX and the other credit card was under name XXXX XXXX. I have never heard of this name before in my life. 
- every time I would call the bank when they ask me to cofirm my address it would turn out that address on file doesn't match. Some is changing my information on daily basis. 
I will go to the bak to request change of my account number - ON XX/XX/XXXX I had to call the bank to close my debit card
Consumer complaint received 2018-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I had a mortgage with XXXX XXXX XXXX undergoing a modification and missed a number of payments. The mortgage was purchased by XXXX/XXXX and successfully modified. The status is currently good/pays as agreed. XXXX XXXX persists in reporting this mortgages current status as delinquent when it is not, and hasn't been for years. I have disputed this with the credit reporting agencies with no success.
Consumer complaint received 2023-06-27
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. (TX)

Equifax has closed all my disputes I filed with them and there are at least 28 fraudulent accounts on my credit report and I have send them FTC report by mail and they denied all of my disputes and told me all of these accounts belong to me .. Im a victim of fraud and they are not doing there job to protect me and fixing my credit report and not removing anything at all the following accounts that are fraud is XXXX XXXX XXXX XXXX, XXXX . 
XXXX XXXX, XXXX. 
XXXX XXXX  XXXX XXXX XXXX/XXXX, XXXX. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX dispute this over and over and Equifax is denying all of them within days super fast I send them police reports and FTC reports they are doing nothing!!!
Consumer complaint received 2023-09-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DAVID W. EDWARDS, P.C. (AR)

Back in XXXX XXXX i had a XXXX performed at XXXX health. I completed the financial assistants documents on the website. I was then ask to upload my banking statements to complete which I did. I was under the expression that everything was all good now. XXXX XXXX XXXX  I received a letter from a bankruptcy attorney and I'm confused to why. I open the letter and it says that a suit was file against me in the XXXX XXXX court system. I look the case up and it saids XXXX has file a suit against me for a XXXX XXXX XXXX and I'm in shook cause I hadn't never received any communication from this XXXX company. XXXX XXXX XXXX I reached out to XXXX XXXX regarding this matter and explained to them that I applied for the financial assistants cause I not able to pay the bill. The representative looked into this matter and informed me that the documents I sent them wasn't able to be opened and she apologized that this had happen and If the bill was still with them should could of fixed it but I would now have to deal with the collection department. I shouldn't be punished for something that someone could have called and informed me that the documents they requested couldn't be opened. I was then transferred to the collection department ( XXXX ) the lady answers the phone and tell me she'll transfer me. I was on hold for over XXXX mins and no one answered. XX/XX/XXXX I noticed that certified mail was being sent out from the XXXX XXXX XXXX law firm. I called and spoke with them and informed them that their XXXX  ( XXXX ) never communicated with me regarding a XXXX bill. How can someone not communicate with you regarding a bill and have an attorney file a suit against you. This is considered breaking the law without giving me knowledge of a debt. I was told I will have to respond back to court document. I then tried reaching back out to XXXX and finally got them on the phone just to be told we can't talk to you regarding this matter you'll have to speak with our attorney. 
After reviewing the reviews of ( XXXX ) this is a normal pattern for them to not answer phone call from the people they have bills with and send their bills to the attorneys without trying to communicate with the defendant.
Consumer complaint received 2024-04-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: HUNTINGTON NATIONAL BANK, THE (CO)

Huntington Bank performed our annual Escrow Account Analysis and determined an escrow shortage of {$2900.00} for the year. Escrow estimates made by Huntington underestimated costs for both our home insurance and county property tax. A financial institution who handles thousands of mortgages should have better systems to estimates these amounts. A call was made to Huntington to discuss our options. They suggested the shortage from the previous year can be added to payments for the following year or spread out over a longer period. It feels predatory that a bank can take escrow, grossly underestimate amount of escrow needed, then pass on their mistake to the consumer.
Consumer complaint received 2024-04-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (GA)

Incident Description Upon checking my credit report and receiving multiple letters concerning auto loans and credit cards, I learned that I had been a victim of identity theft. 
XX/XX/XXXX a XXXX XXXX Credit card was opened with a credit limit of {$300.00}. Partial account number : XXXX XX/XX/XXXX a XXXX XXXX was opened with a limit of {$6000.00}. Partial account number : XXXX XX/XX/XXXX a XXXX Credit Card was opened with a credit limit of {$200.00}. Partial account number : XXXX XX/XX/XXXX XXXX XXXX financed a car. The dealer is unknown. The loan amount was {$40000.00}. The remaining balance is {$31000.00}. XX/XX/XXXX XXXX financed a car. The dealer is unknown. The loan amount was {$22000.00}. The remaining balance is {$6400.00}. XX/XX/XXXX a XXXX  XXXX Credit card {$530.00}, XXXX XXXX XXXX XX/XX/XXXX {$1000.00}, XXXX XXXX XXXX  date unknown {$9700.00}. XXXX, XXXX XXXX XXXX XXXX XXXX 2 accounts {$6000.00} and {$25000.00}, XXXX XXXX XXXX  XXXX XXXX XXXX {$2700.00}, Columbia Debt Recovery {$10000.00}, and XXXX XXXX XXXXXXXX {$350.00}
Consumer complaint received 2024-04-30
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

I had attempted to make several purchases online on XX/XX/XXXX, XXXX, and XXXX of XXXX  via XXXX, XXXX, another gift card store, and even load it on to my XXXX XXXX to make payments in person - all without success. I'd called XXXX XXXX XXXXo see why the payments were declined, and then I'd learned that these " reward cards '' do not allow address information - such as XXXX XXXX- to be added to the card or have the card registered. This makes them impossible to use for any transaction I'd want to make, as nearly all online and in-store vendors require address information ( at least the zip code ) for anti-fraud security.
Consumer complaint received 2023-09-04
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: SYNCHRONY FINANCIAL (NC)

I have three accounts with Synchrony Bank ( e.g., two with PayPal and one with XXXX  ). On XX/XX/XXXX, I filed XXXX  XXXX bankruptcy in XXXX XXXX North Carolina. My legal counsel is XXXX XXXX XXXX of XXXX XXXX NC. My case # is XXXX. I have received repeated texts, emails, and phone calls about these debts. Please send all communications from the creditors to my legal counsel.
Consumer complaint received 2023-08-09
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. (NJ)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I paid this account. It was a chargoff, but I paid and settled the account. XXXX XXXX has yet to reflect the {$0.00} balance on my account so my credit report still shows I owe. This obviously hurts my credit and doesn't truly reflect my balances. They may have violated the Fair Credit Reporting act because they have not reporting information accurately by not updating my balance to {$0.00}. I do not owe them anymore. They should fix this immediately. They were quick to charge off my account when I went through financial problems. I paid them. For them to continue to punish me by not reporting accurate information is terrible.
Consumer complaint received 2021-05-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc. (CT)

we have been trying with BSI to do a loan mitigation. 
- They are asking for a large down payment of {$30.00} -They have being doubling our escrows -Increasing our mortgage payments by 1/3 -Not being transparent in their charges -Impossible to talk too ..
Consumer complaint received 2023-02-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma (AL)

Around XX/XX/XXXX, I filed a dispute for a XXXX XXXX and a XXXX charge. They provided provisional credit on one of the charges and when I called on XX/XX/XXXX and they said I would receive the second credit for {$22.00} on XX/XX/XXXX. I did not receive it when they said I would but I have since received it. Today XX/XX/XXXX I received an email stating account closure for absolutely no reason. They do not care about people who already have bad credit and they do not care about their customers in general.
Consumer complaint received 2022-10-26
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

When I performed a name search on the Internet, I learned that some of my personal data was being used without my consent. As a result, I filed a complaint. My information was collected by an aggregator website, which instructed me to contact around nine different websites in order to have it removed after checking the website 's FAQ section first. In addition to feeling violated since I value my privacy, having to ask to have my possessions taken made me feel ashamed. My report contains unapproved fraudulent accounts, and I would like such accounts to be terminated and fixed. Take away all inaccurate and negative accounts from my credit report. My capacity to get credit has been harmed by this. I'm making every effort.
Consumer complaint received 2023-02-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TICE ASSOCIATES INC (NY)

According to the XXXX XXXX XXXX, I am NOT XXXX delinquent on my XXXX bill. I have been making payments so Im not sure why my debt is sent to a collections agency? I will SUE both companies.
Consumer complaint received 2024-04-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (IL)

Chase bank keep getting hacked. In the last month of XXXX through XXXX I have had about XXXX phone calls with the fraud department and they have taken off the charges and fees given me about XXXX new replacement credit cards because the charges and fees keep coming back onto my account, so there is XXXX protection, I just called today as I saw from XXXX weeks of having a - {$40.00} balance that my balance now is over {$2000.00} and the same charges that I was disputing are now back on so then I go onto this XXXX  website that someone opened up in my name to only find out that the money chase took out did not go to that company, so where is my money? I asked Chase this question and their response to me was I am so sorry maam the department that you are trying to call is not there you have to call in in the morning and then I definitely asked the lady to please have someone else read the computer to see if theres anything that they can see as to why this keeps happening so then she puts me on hold she calls the fraud department then they tell her that my files and recovery department but they have no idea why. This makes sense to me because fraud is the steppingstone to recovery so who in fraud or what happened in fraud that caused recovery to then charge me again without consulting me and why am I not able to get these answers? Why is it OK for a company to take out money for something I did not purchase to only then out of nowhere put those purchases back on plus fees not to mention Im still dealing with this XXXX XXXX who saying that I have not paid these bills because again someone made up these accounts under my name, Social Security, whatever it was, and now my credit is getting crushed and I still can not get a complete answer. This is enough to make someone hospitalized due to the stress. It is causing, I take very great pride in my credit. Ive never had the situation happen in my XXXX years of life and Im not quite sure why its happening now. Ive never had this issue with any other bank besides Chase. 

There were also charges all over the place like XXXX ( which I do use but on another account, I company in XXXX and I was never there )
Consumer complaint received 2022-12-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to XXXX ( a ) ( XXXX ) [ XXXX ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( XXXX ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX, XXXX. XXXX XXXX OPENED XX/XX/XXXX BALANCE : {$880.00}, XXXX XXXX M XXXX DATE OPENED XX/XX/XXXX BALANCE : {$0.00}, XXXX XXXX XXXX DATE OPENED XXXX : {$0.00}, XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX BALANCE : {$0.00}, XXXX - XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE : {$0.00}, and XXXX XXXX XXXX  XXXX Open Date XX/XX/XXXX Balance {>= $1,000,000}.
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AMERICAN EXPRESS COMPANY (MD)

During the pandemic American Express closed my open accounts that did not have any missed payments on my Amex XXXX card. Amercian Express has since discharged the debt sold the debt to another creditor and continues to report the account as open and delinquent in an attempt to destroy my credit. 
American Express placed the account in a delinquent status with astronomical fees that due to my lack of travel employment I was unable to pay during the pandemic. Four years later they are still reporting the account to all credit bureaus as open and delinquent
Consumer complaint received 2023-08-25
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: PNC Bank N.A. (MD)

PNC Bank has repeatedly failed to close an old HELOC and remove the lien on my property, despite numerous assurances since XXXX. It os preventing me from obtaining more advantageous financing from XXXX XXXX
Consumer complaint received 2017-09-20
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: PNC Bank N.A. (PA)

I am currently unable to repay my PNC student loans. 
PNC offers little options if you are having trouble paying off loans. They offer a total of 12 months of forbearance, which borrowers can take 2 months at a time, every 12 months. I took a forbearance about a year ago and am not eligible yet. They also offer a 'graduated repayment ' option, in which you pay slightly less than your regular monthly payment for a few months, then your payment is fixed at a rate higher than what you started with. However, when I was making {$11.00} I did not qualify for the graduated repayment, so at around {$13.00} an hour, I am certain I will not qualify again. My cosigner can not / will not make payments. 

I have been trying to become current with PNC for about a month or two, and they do not have any options for me to make lower payments currently. I can afford {$150.00} a month ( my payments are $ 360+ right now ), but literally can not afford to be paying more than that. I am currently supporting not just myself but also my partner, and assisting with XXXX grandmothers going through XXXX, and do not have a way of paying {$360.00} a month right now as that is nearly a quarter of my monthly income. 

I would like to make a request for PNC to please allow me to lower my payments to $ XXXX monthly until I can afford to make the full payment. I expect to be able to do this by mid-2018. I have so many other bills - such as my car, phone and apartment - which I will physically lose if I do not pay them. I want to pay these loans off, I just can not make the full payment at this point. I understand if {$150.00} only covers interest. 

Please assist in any way you can.