davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

I applied for COVID mortgage relief in XX/XX/XXXX and was granted it on a 90 day basis, I am ready to resume making payments as of XX/XX/XXXX. I would like to refinance the mortgage into a lower rate as rates have dropped significantly. My mortgage servicer, Wells Fargo, is not following the Federal Cares act. They have told me I can not refinance into a lower rate unless I pay the 3 months of deferred payments immediately. That is not how the Federal Cares relief act is supposed to work. It clearly states that those payments in deferment are not supposed to be held against me and stop me from refinancing into a lower rate. They have essentially told me I have to either make all those back payments at once, or wait 6 months to refinance, or do a loan modification where they can potentially lower my rate but not guaranteed and I cant do a 15 year mortgage. They are also stopping me from refinancing with another bank as well
Consumer complaint received 2021-02-17
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: ROBINHOOD MARKETS INC. (CA)

I have tried to close my account with Robinhood.com. When I attempted this, I could not withdraw my money from my account due to Robinhood blocking my transfer. When I tried to transfer the money FROM an external bank account XXXX, Robinhood illegally blocked the transfer by saying they could not prove the external bank account belonged to me ( even though these bank accounts were already linked and had made transfers before. 

I could not close my account because my balance was not {$0.00}. I first tried to contact Robinhood support on XX/XX/XXXX and have emailed multiple times since, but I have received no response and my money is still unretrievable.
Consumer complaint received 2021-02-17
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: LD Holdings Group, LLC (PA)

In XXXX of XXXX, our household refinanced our mortgage with LoanDepot. On XX/XX/XXXX, we signed up for automatic payments, and received confirmation that we were enrolled in automatic payments. On XX/XX/XXXX, I was made aware that automatic payments had not been applied, and that our credit had been negatively impacted by this. At that time, we had received no communication from LoanDepot, either in snail mail ( our first communication from them about a " past due '' debt arrived in XXXX of XXXX ) or electronically. On XX/XX/XXXX, I emailed XXXX XXXX, our representative for the loan refinance, and also disputed the report with the three credit reporting agencies. The research department then contacted me, and asked me to write and fax a letter in, which I did that day XXXX XX/XX/XXXX XXXX, and the fax was confirmed to have gone through at XXXX XXXX XXXX. As of XX/XX/XXXX, my credit score had dropped 71 points due to these shenanigans. As of XX/XX/XXXX, not only had things not been fixed, but gotten worse. I contacted XXXX again, who messaged the team, who sent a generic response about the dates and amounts paid ( getting them incorrect ), but not acknowledging the basic problem, which was that they had unenrolled us from automatic payments without notifying us.
Consumer complaint received 2021-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (WA)

My records associated with the account SANTANDER CONSUMER USA with account number XXXX do not compliment with what the Credit bureaus may claim as a " validated as accurate ''. I had also requested the actual proof, physical firsthand documentation of the payment history and proof of last payment to SANTANDER CONSUMER USA but I did not receive what I asked and these violations persist on my credit report.
Consumer complaint received 2021-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Phoenix Financial Services LLC ()

I have an account on my credit report that has indicated it is a medical debt. I have no knowledge of any account like this and have never had any medical debt, surgeries, etc for many many years. I have used multiple service providers to dispute this account over the last 6-7 years. Yes, I have disputed this MANY times and once it gets removed, it then gets replaced with a new collection agency. I have used XXXX, XXXX, XXXX, XXXX and XXXX to dispute all of these different attempts to clear my report. When I originally found the account on my report and disputed it, the collection agency was a company out of XXXX, Florida. Then another out of XXXX Ohio tried collecting on it and then another back in Florida, and now one in XXXX. No one has yet to tell me what this is. This has easily been on my report from one agency or another for 7-8 years. Considering this is a medical debt ( according to them as well as my credit reports ) even if it was mine, which I have no knowledge of and they have not verified and validated it is, it should only be on a credit report for 5 years ( Florida Statue of Limitations ). That alone should be enough reason to remove despite they have not verified or validated it is my debt. I believe the only way they are still collecting on it is because they keep re-aging the account and then replacing it with someone else who only sees that it's a new account and begins collection processes.
Consumer complaint received 2021-02-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (SC)

Notified Citizens bank not to pay taxes and insurance from escrow since these invoices were not correct. Bank paid anyway causing temporary, false escrow shortages. Bank subsequently increased monthly escrow amount based on overinflated values. 

Customer then paid over {$800.00} to opt out of escrow. Bank issued a letter stating that the escrow account was closed per request of customer. Thinking the matter was resolved and within a few short weeks, same bank sent a demand letter for escrow funds to place in escrow so they could hold the customers money, to pay insurance in the upcoming year. 

Bank told customer in latest letter that the monthly payment will increase to cover this so called escrow. Ordeal has been ongoing for four months, and meanwhile the customer is hit with monthly escrow payments again, after the customer paid to waive the escrow option.
Consumer complaint received 2021-02-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC (ME)

In XX/XX/2020, we moved from XXXX XXXX  XXXX to XXXX, Maine. As part of that move, we cancelled our cable with XXXX in XXXX and then opened a new account with XXXX here. We have no oustanding balances with XXXX and are, in fact, continued customers in good standing. 

Sunrise Credit Services, calling from the number XXXX called a few months ago, demanding payment of a {$40.00} debt, related to our closed XXXX  account in NY. Because you pay your cable bill in advance of each month, it's actually impossible to close an account with an oustanding balance, so this makes no sense. We went online and confirmed a XXXX  balance on that account. 

At some point, Sunrise bought a phony receivable and has been attempting to collect it from us. I informed them by phone and by letter that there is no debt and to go away. But they called my phone yesterday and left no message. 

They have also asked me to prove to them that there is no debt. I told them that we are under no obligation to share any information with them and left it at that.
Consumer complaint received 2021-02-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC (VA)

On this date, XXXX XX/XX/XXXX, I received a notification by mail by a company called Phoenix Financial Services claiming I owed a debt of {$40.00} for XXXX XXXX rendered on XXXX XX/XX/XXXX. The Phoenix account number listed was XXXX and the Creditor Account number was XXXX. Original Creditor Listed was XXXX XXXX XXXX XXXX. 

I knew immediately this was a scam as, on XXXX XX/XX/XXXX, I was stationed at XXXX XXXX XXXX, in XXXX XXXX, TX, as a service member in the XXXX XXXX in XXXX ( XXXX XXXX XXXX ). If I required medical care, it would have been provided by the U.S military and not a private medical facility. I can prove my location at that time through military records and official orders. There is no XXXX XXXX in Texas, and no such company in the state of Texas. 

I attempted to call the company and the phone was answered by an unnamed gentleman who proceeded to scream at me. I was do not tolerate verbal abuse and hung up on them before finding resolution.
Consumer complaint received 2021-02-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (UT)

I opened a PNC account on XXXX/XXXX/2020. Part of my account opening included a promotional bonus of {$300.00}. I met the requirements to earn a bonus and was paid the bonus of {$300.00} on XX/XX/XXXX. Part of the promotional fine print states " The value of the reward may be reported on Internal Revenue Service ( IRS ) Form 1099, and may be considered taxable income to you. '' I have not received a 1099-INT as of today ( XX/XX/XXXX ). PNC 's automated messaging when calling their customer service phone number ( XXXX ) states that 1099-INT forms were sent by XX/XX/XXXX and to allow 10 business days to receive that form. Today is 11 business days, so we are now 1 business day beyond PNC 's own timeline. I called customer service on Friday XX/XX/XXXX and the person who I spoke with was not helpful and gave me a number to call to a department that said they couldn't help me ( XXXX ). 

I called again today to their customer service phone number and the customer service agent, XXXX, told me that the system only shows that I received {$.00} of interest in 2020. She also confirmed that I received a bonus in the amount of {$300.00} on XX/XX/XXXX. PNC 's system should recognize that as interest. I requested a duplicate 1099-INT which is supposed to arrive in 15 business days or less. I'm submitting this complaint because I do not want to wait 15 business days as I should have received the 1099-INT. I also am concerned that PNC Bank is not recognizing the total interest that I was paid in 2020 and never sent me a 1099-INT. PNC needs to send me a 1099-INT if they have not. If their system is wrong, then they need to fix that and send me a 1099-INT as soon as possible.
Consumer complaint received 2021-02-16
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. (MI)

I sent 4 letters Exhibit A Validation of debt request dated XX/XX/XXXX XXXX Exhibit B Validation of debt request dated XX/XX/XXXX XXXX Exhibit C Notice of default Opportunity to cure XX/XX/XXXX XXXX Exhibit D Notice of Intent to Sue XX/XX/XXXX XXXX
Consumer complaint received 2023-01-05
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: EQUIFAX, INC. (FL)

I applied for a mortgage XXXX and was not allowed the 14 day mortgage shopping window. 3 or 4 other mortgage companies have checked my credit and every check was registered as a hard inquiry ; therefore my credit score has gone down every time my credit was checked within the 14 day window.
Consumer complaint received 2021-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NE)

I did not revieve the service I paid for capital one reversed the charges back to my card, a dispute was started. 

I sent the physical items back to the vendor, I have proof of delivery and condition from the vendor. 

Capitol one is now placed the charge back on my account and is charging interest on items I no longer have
Consumer complaint received 2024-03-22
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 have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$790.00} XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX  XXXX {$720.00} XX/XX/XXXX XXXX  XXXX {$10000.00} XX/XX/XXXX XXXX XXXX XXXX {$100.00} XX/XX/XXXX XXXX XXXX XXXX {$110.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$550.00} XX/XX/XXXX XXXX XXXX XXXX {$240.00} XX/XX/XXXX XXXX  XXXX  XXXX {$230.00} XX/XX/XXXX XXXX XXXX {$440.00} XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX {$2300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-02-16
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: KEYCORP (NY)

Keybank is withholding my funds ( {$3000.00} ) without cause for 2 months now. Im spending near 20 hours a week on the phone with both keybank and the dept of labor and would like to file a complaint against them both. DOL has informed me they have been emailing them nonstop since Thursday, Ive submitted all identification and proof address that they have requested and told me theyre working on it, 3 more days for the last 2 months. I dont have a XXXX to my name but I can see {$3000.00} on a card the status of which is DEPOSIT ONLY ( you know just to add insult to injury ). Keybank informed me they havent received any contact from them at all as of yet. I have names and employee Id numbers for these rude people as well some of which are VERY rude. It is impossible to get them on the phone and when you do theyre resentful and want to express disdain for your suffering. My cat just died I have to pay the vet XXXX $ for the cremation. I do not have a dime. Only {$3000.00} thats being withheld from me without cause and I would imagine unlawfully. These people are lying to me, they keep me on the phone all day and then hang up on me after being on hold for hours without talking to anyone. I WANT TO FILE A COMPLAINT AGAINST BOTH PARTIES AND IM TAKING TO SOCIAL MEDIA TO PUT THIS ON BLAST TO ANYONE THAT WILL HEAR IT RIGHT NOW
Consumer complaint received 2021-02-16
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 (CA)

On XX/XX/XXXX, I logged onto my account via the Bank of America app and noticed there were pending unauthorized transactions on my checking account. There was a {$2000.00} withdrawal at XXXX XXXX NY and a {$2.00} balance inquiry fee. I immediately called Bank of America who told me not to worry, I'm protected against fraudulent activity. I told them I'm located in XXXX XXXX and the transaction says XXXX NY. The rep said they noticed that as well and not to worry. They'll submit a claim. A moment later, they told me a claim can not be submitted because the transaction is still pending then told me to call back tomorrow. I called back and told the rep about the unauthorized amounts again. This rep also said not to worry, I'm protected against fraudulent activity which is what this definitely looks like being that I'm in XXXX XXXX and the transaction is in New York. They submitted a fraud claim and told me the funds will be back in my account in about 2 weeks. Claim # XXXX was created. On XX/XX/XXXX, I received a letter telling me a temporary credit will be issued. On XX/XX/XXXX, I received a letter stating research is completed and the claim is closed. I called Bank of America, XXXX XXXX then tells me that the claim is closed. I asked him what happened. He says they closed the claim because a card was swiped and pin was used. I told him it was not me. It is fraudulent. We are in a pandemic. We haven't travel outside of XXXX XXXX. I asked if the company was contacted. He said his notes say they did not reach out to the business. I couldn't believe this was the research done on the bank 's end. I informed them of fraudulent activity and the only research done was to check if a card was swiped and pin was used? I told him why would I have a fee charged to my account for a balance inquiry when I can easily log into the app or website or even call the bank of my card to check my balance for free? The rep agreed and noted it doesn't make sense. He also noticed that I was in XXXX XXXX and the transaction is in New York. It definitely looks like fraud. He will escalate this to be reevaluated and to not remove the temporary credit. On XX/XX/XXXX, the bank removed the credit. Bank of America claims to have fraud protection and that they care and understand what's going on but in reality, they don't care and do not protect against fraud.
Consumer complaint received 2021-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

CREDITACPT XXXX Balance Owed : {$10000.00} This account was involved in litigation and do not belong to me. I never established these accounts. This account was a result of fraud. I was contacted by a collection agency regarding the account that was obtained under my name. I have no knowledge of obtaining any of the account listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent account investigated and removed immediately
Consumer complaint received 2021-02-16
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC. (CA)

I contacted Equifax Credit Agency on XX/XX/2021 to dispute the duplication of all my student loans. The problem is my student loans were all consolidated a year ago, I tried to explain to Equifax on four other occasions that all of the individual tradelines for XXXX US DEPT, FEDLOAN, have all been consolidated into the one loan now. The consolidated loan is also being reported as well. DEPT of ED/XXXX  is the new loan 's trade line entry. All my loans have been duplicated and they should not be.
Consumer complaint received 2021-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I HAVE CONTACTED XXXX XXXX LOAN SERVICES ABOUT REPORTING INACCURATE INFORMATION ON MY ACCOUNT SINCE XXXX WHEN I WAS FIRST APPROVED FOR MY ACCOUNT WITH THEM THEY HAVE BEEN REPORTING INACCURATE DATES ON MY CREDIT REPORT STATING THAT I HAD LATE PAYMENTS IN XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX. I HAVE SENT OFF SEVERAL LETTERS IN XXXX, XXXX, XXXX AND XXXX AND XX/XX/XXXX ASKING THEM THEM TO REMOVE THESE INACCURATE REPORTINGS OFF MY CREDIT REPORT I HAVE NO HEARD ANYTHING BACK FROM THEM, I TOOK IT TO THE NEXT STEP IN XX/XX/XXXX ASKING EXPRESSION, EQUIFAX AND XXXX TO REMOVE THIS INACCURATE INFORMATION FROM MY REPORT I HAVE SENT THEM EVIDENCE SHOWING WHEN I HAVE MADE MY PAYMENTS I STILL HAVE NOT HEARD ANYTHING BACK AND IT IS NOT XX/XX/XXXX.
Consumer complaint received 2023-02-24
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NV)

I sent a letter multiple times to XXXX, XXXX, and Equifax. Here are my tracking numbers : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. However, it has been more than 30 days and I have not received a response regarding my investigation. The status date on my credit report has not changed, which means they are clearly not investigating the accounts. 

I am aware of my consumer rights and demand that all accounts that are negatively affecting my credit rating and violating my consumer rights be removed or blocked from my credit report. I will pursue damages for each account that is in violation if not updated.
Consumer complaint received 2023-07-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

In accordance with the Fair Credit Reporting Act and XXXX Account # XXXX. XXXX XXXX XXXX MISLEADING FALSE REPORTING XXXX XXXX XXXX Account Number : XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, ACCOUNT NUMBER : XXXX, 15U.S.C. 1681 section 602 A. states I have the right to privacy. 15 U.S.C. 1681 section 604 A. Section 2also states a consumer reporting agency can not furnish a account without written instructions. IXXXX THAT ALL ITEMS BE REMOVED AFFECTIVE IMMEDIATELY! AS I HAVEPROVIDED ALL LEGAL DOCUMENTATION VALIDATING THE INACCURACIES OF XXXX REPORT DAMAGING MY LIFE.