davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

My complaint is against Equifax. They are continuing to report derogatory information against me regarding a collection account by XXXXXXXX XXXX The collection company has requested Equifax delete this negative tradeline but for some reason Equifax is refusing to delete the tradeline. 

By law, Equifax is required to report accurate information and by failing to delete this tradeline per the furnishers request they are in violation of the Fair Credit Reporting Act. To remain in compliance with the Fair Credit Reporting Act Equifax must delete this tradeline immediately.
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: EQUIFAX, INC. (MD)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

This is a complaint regarding Bank of America. A new checking account was opened in my name without my permission. I am unsure if this is fraud from another individual using my identity or a bank employee that opened an account without telling me. I contacted Bank of America at their XXXX number, spoke to an employee about the situation. He explained he could not help me, but transferred me to someone who could help. I waited on hold for over XXXX minutes but no one took the call. There is no option to dispute this account online, nor the fees that I am being charged for the account. I would like your assistance in closing the account, refunding the fees I was charged ( due to a XXXX balance in the account ) and investigating if Bank of America had a role in this fraudulent activity.
Consumer complaint received 2022-12-02
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: PNC Bank N.A. (WV)

Have been with bank XXXX years Credit card was set to expire at the end of XXXX Called PNC XXXX XX/XX/2022 to inquire - told it was being sent Called PNC on XX/XX/2022 to inquire - told it is being sent on the XXXX Called PNC XXXX XX/XX/2022 to inquire - told it was sent - and not to worry about the end of the month, and it would be automatically extended as they were having problems with their vendor Started getting emails about Credit card not working on XX/XX/2022 from reoccurring charge businesses Called PNC XXXX XX/XX/2022 was told to bad - nothing they can, or will do about it except, send another card, ( 2 to 3 business days ) - at no charge- and again reiterated that it was a problem with THIER vendor XXXX 
I was asked about other cards- I informed them that their DEBIT card I have with them will not allow me to use it as a credit card.
Consumer complaint received 2022-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of 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 receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as equifax 's XXXX date breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX : {$3500.00} ; XXXX XXXX  XXXX Balance : {$6100.00} ; XXXX XXXX XXXX : {$1900.00} XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXX XXXX Balance : {$300.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1200.00} ; XXXX  XXXX XXXXXXXX XXXX Balance : {$2300.00} ; XXXX  XXXX XXXX XXXX : {$3800.00} ; XXXX XXXX  XXXX XXXX XXXX XXXX {$3600.00} ; XXXX XXXX XXXX XXXX Balance : {$5500.00} ; XXXX  XXXX XXXX XXXX XXXX XXXX {$7700.00} ; XXXX XXXX XXXX XXXX Balance : {$520.00}
Consumer complaint received 2023-04-13
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. (CA)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$11000.00} ; XXXX XXXX Balance : {$6700.00} ; XXXX  XXXX XXXX Balance : {$2400.00} ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$19000.00} ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$58000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$16000.00} ; XXXX XXXX XXXXXXXX Balance : {$5600.00} ; XXXXXXXX XXXX XXXX Balance : {$5900.00} ; XXXX  XXXX Balance : {$2200.00} XXXX
Consumer complaint received 2022-12-02
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: EQUIFAX, INC. (PA)

I sent out a written request to the three major reporting agency ( XXXX, Equifax, and XXXX ) via XXXX on XX/XX/22. The letter provided current personal information that should be used to properly identify me, the consumer. In my correspondence I also asked that all other personal history be deleted because I was concerned that I might be susceptible to identity theft. I have attached a copy of the receipt from usps and a copy of the document that was sent out on that day. Neither of the three credit reporting agencies has yet to respond to my request or have taken any action to resolve this matter.
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

Wrong Addresses are on the account. I've called and changes have not been made. Also I'm getting mailed and credit information with my address but another person 's name that does it reside here. I also have accounts that need to be closed that are still open.
Consumer complaint received 2023-01-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: United Shore Financial Services, LLC (FL)

Hello! my name is XXXX XXXX and this complain is regarding the Florida Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX program, and United Wholesale Program. Back in XXXX XX/XX/2022 I was approved for 6 months of emergency funds to cover mortgage payments. Application number : ID : XXXX. 

The award letter indicated the money from the XXXX XXXX XXXX XXXX, or XXXX, would be issued to my mortgage company on XX/XX/2022 and continue going forward, but the money is missing. As of today : XX/XX/2022, despite many phone calls to the XXXXXXXX XXXX XXXX Customer Assistance Center at XXXX, emails and even XXXX, my mortage company ( United Wholesale Mortgage LLC ) has not received any payments.

I will greatly appreciated any help you can give me, as you may understand my economical situation is critical I would greatly appreciate any follow up regarding my case Thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (CA)

I've been in a battle with Jefferson Capital Systems, the collection agency, trying to have a file removed from my records that doesn't pertain to me. This file was initially owned by XXXX XXXX, but after disputing it with them, they removed it. Months later, if not years the debt was sold to Jefferson Capital Systems and it reappeared on my credit file. Even though I have never owned a personal XXXX account.
Consumer complaint received 2018-04-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (TN)

I started trying to sell my house back in XX/XX/XXXX. I have gone through several buyers in just one year only to lose them because of USBank. I had to move and stop paying my house payment because it went from {$950.00} to {$1300.00}. My hardship began in XX/XX/XXXX due to having to quit my job because of XXXX issues, I almost lost my daughter. Because my husband worked an hour away from the house we decided to sell the house and move to another county. I have had I think at least 7 buyers and one was even willing to pay more than the house is worth and USBank denied it. My loss mitigation application has been in and out of review because they are saying I'm not providing them with the correct information. I have a realtor helping me to make sure they get what they need. I have had to send in check stubs for my husband and I three or four times. They wanted a letter from my husband saying how much he contributes and that he is in fact my husband and then they wanted to remove him from the process. Since XX/XX/XXXX my application has been in review and I called today XX/XX/XXXX and was told that it is with a negotiator. It seems to be going no where to me so my realtor told to file a complaint. This is beyond stressful. I have all emails sent from XX/XX/XXXX to current, it's too much to upload. My advice to anyone is use a lender they don't give near as much problems and never ever use USbank.
Consumer complaint received 2023-02-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: REGIONS FINANCIAL CORPORATION (NE)

After a year and a half of fighting with regions bank they finally mailed me a cashiers check with my remaining balance from my checking account but they mailed it to my old address and they have my new address that I provided to them several times on a notarized letter and still they mailed it to an address I havent lived at in over a year and now they are refusing to reissue the cashiers check to my new address
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (MD)

I have made attempts to correct my credit and have been having extreme difficulties each and every time. I have currently been working with the credit agencies to have all accounts and information rectified. Currently after requesting that an investigation be done on all my accounts with each agency I am still finding discrepancies that are holding me back and have been verified. In Particular Navy Federal is using the XXXX platform to provide and gather credit updates and I have recently discovered that they are still reporting items and debt incorrectly. According to Navy Federal I have closed accounts that thy are still trying to collect on and have recorded me at XXXX XXXX in debt with auto loans. I do not own any vehicles. The accounts are listed as closed, but Navy Federal is reporting that this debt still exist even when the account itself has been closed or removed. This needs to be fixed as it is decreasing my overall credit score. Furthermore, I have disputed these debts with XXXX. I have made every attempt to fix this situation. I have spoken to several NFCU employees and have gotten nowhere. I have tried to work with the underwriting department and nothing. This has also stopped me from actually getting a loan for anything else. I cant eve qualify for a bank loan and i've been with my credit union for 12 years. the amount of damage is ongoing and difficult to quantify. 
XXXX has been less than helpful as they have verified me as a totally different person and even after updates still has all my basic information incorrect. I have made attempts o request my credit report, however because they have my basic identifying information incorrect, I have been unable to obtain copies because they can not identify me at all. Please help
Consumer complaint received 2023-08-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY (WA)

I was approved for a loan modification at the same rate I have been paying. I was told not to make a payment until the papers were notarized. The company lost documents making this process take longer than should have been. I was then told a completely different timeframe to pay which put me one month behind on the behalf of Wells Fargos misleading information. Wells Fargo refused payment and forced me into a higher payment as well as higher interest rate.
Consumer complaint received 2021-07-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (NJ)

This complaint is about Sunrise Credit Services Inc, XXXX XXXX XXXX XXXX, NY XXXX, ( XXXX ) XXXX. 

In XXXX of this year the above-named collections agency started reporting derogatory collections information on my credit files to XXXX XXXX without prior contact with me. Upon receiving alerts by credit monitoring services about this negative information I contacted Sunrise Credit Services Inc. in writing via USPS certified letter/return receipt ( signed for XX/XX/2021 ) disputing the debt and requesting no telephone contact. In return Sunrise Credit Services Inc provided me with a generic bill for TV and Internet services from XXXX XXXX XXXX with a similar name to mine and a service address in the state of Texas. Please note the following : I have not done any business with XXXX XXXX XXXX, ever! I do not have any family, friends or ties in the state of Texas where this service address is located. I do not have any indication at this point that I am the victim of identity theft. The name on the bill although similar it is not exactly mine. The address where these services were provided it is not nor has it ever been associated with me in any way. It is the Collections Agencies themselves who report the address on the delinquent account to the credit bureaus so it comes up as verified when disputed. Since receiving my letter, Sunrise Credit Services Inc. has escalated their efforts to report negative information to my credit file now to all three major credit bureaus. Sunrise Credit Services Inc has made no mention on my credit file of my dispute and has made several calls to my mobile number in clear violation of the FDCPA. A similar name should not be evidence for anyone to ruin a more than 15 years old spotless credit file like mine. I hereby challenge Sunrise Credit Services Inc or XXXX XXXX XXXX to produce proof that this debt belongs to me. In the absence of proof which is 100 % the case I demand Sunrise Credit Services Inc to stop reporting and delete all derogatory collections information regarding this debt on my credit files.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (MD)

Well, I have been struggling with XXXX  since XXXX which includes XXXX. All of this was to straing for my XXXX culminating with my having XXXX surgery XXXX XXXX XXXX 
As part of XXXX relief I was given amnesty for my mortgage, but American Express lowered my credit on my Gold Card from no limit to a $ XXXX credit limit and stopped charging me the {$250.00} annual fee for the Amex Gold Card. Last month XX/XX/XXXX American Express placed a {$250.00} annual fee back on my Gold card but refuses to return the card to a unlimited status. 
This means I am charged {$250.00} for a {$2000.00}. Credit limited card, this is more than 10 % of the credit limit, eventhough I have never had an issue making my Amex payment prior to the credit limit placed on a unlimited credit card
Consumer complaint received 2022-12-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

XX/XX/2022 my husband attempted to place our accounts in the trust. USAA doesnt place accounts in the trust, only will make it a POD/beneficiary. We filled out a XXXX page memorandum of Trust and sent pages of our trust/cert of trust as required only to later mail us back the same documentation.for a POD!! A beneficiary isnt even relevant until both my husband and I pass, so why do they need all that information up front? Other institutions I bank with do not ask for anything on the front end. It would be up to my trustees to provide them the trust documentation once relevant. 

Fast forward to XX/XX/2022 and our trust still isnt a POD. Called to inquire again and spent an hour, in addition to all the time my husband previously spent, and was told we had to send more documentation. I told the superior similar to a supervisor that we were just going to close our account and take our money to a bank that is familiar with trusts. Her response was that if we chose to close our account, a check would be made payable to our trust..!? So, USAA will close my account and make a check payable to my trust, but will not make my trust a beneficiary without jumping through hoops? Does not make sense at all. 
USAA should not be dealing with trusts, period.
Consumer complaint received 2022-12-02
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. (TX)

I called the 3 Credit Bureaus after I purchased a credit report with Experian on XX/XX/XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there were erroneous accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/XXXX. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, and XXXX, and hoping that these accounts will be corrected. 

XXXX/DEPT OF ED XXXX Balance : {$2400.00} XXXX/DEPT OF ED XXXX Balance : {$4000.00} XXXX/DEPT OF ED XXXX Balance : {$9000.00}
Consumer complaint received 2022-12-02
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: Experian Information Solutions Inc. (GA)

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. Please The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXXXXXX Balance : {$330.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$150.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$210.00} ; XXXX XXXX XXXX Original Creditor : XXXX ) XXXX Balance : {$120.00} XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$5600.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$760.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX