davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-16
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. (PA)

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXXBalance {$390.00}
Consumer complaint received 2021-11-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX XXXX  - account on file in error, was never delinquent, dates incorrect, Cased with state was closed by Custodial Parent,, all information incorrect, date opened, date of last payment, comments, date last active disputed this and it came back verified when clearly the information to both bureaus isnt event the same
Consumer complaint received 2023-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

XXXXXXXX XXXX Capitol One, and XXXX money still sending credit and loan pre-approvals through the mail even though I am opted out of mailings for offers on the websites of each company and on pre-screen opt out.
Consumer complaint received 2016-04-01
Product: Credit card — 
Issue: Advertising and marketing — 
Company: PNC Bank N.A. (NJ)

After receiving in XXXX XXXX a promotional 0 % interest rate offer from PNC BANK, I read the offer and was confused on what the 0 % offer applied to. After review I concluded it applied to balance transfers and new purchases. On XXXX XXXX I called the PNC Bank phone # on the offer advertisement to confirm. A Customer Service Representative stated that the 0 % APR interest rate promotional offer as advertised was for both balance transfer and new purchases till XXXX XXXX, XXXX. 
That day, I did indeed transferred a credit card balance from another bank to PNC BANK VISA. I was charged a fee of 1 % for the balance transfer and began using my PNC Bank Visa card for new purchases.The interest charge on my next XXXX credit card statements eluded my review. The most recent statement I discovered an interest charge of 14.24 %. 
When I called PNC Bank for an explanation they requested I fax them a copy of the promotional advertisement. I did immediately, and by the end of the day a customer service representative ( name XXXX ) called me and stated " The Bank Stands Behind Their Advertisement '', and only the balance transfer is 0 % interest. 
I stated, " I will have to take the matter to another level ''.
Consumer complaint received 2021-11-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WASHINGTON FEDERAL BANK (IL)

A few months back Washington Federal or XXXX with headquarters in XXXX, WA, sent me my escrow. On this escrow, it showed the bank paid my insurance company a second payment for {$1200.00}. The insurance company said it never received the money. I talked to several people in XXXX and the concern was unsolved. 
Today I am concerned Bout a balloon payment because I will end my loan in 2024. I requested from XXXX a disclosure statement that tells me what exactly I owe the mortgage. 
They declined to give me anything. So I made an appointment with their bran in XXXX XXXX XXXX with all my questions sent prior the meeting. The manager did not answer my questions until he could talk to XXXX. A few days later he said I could do payments to the principal to his XXXX XXXX branch however did not sent me anything in writing. 
I am concern about sending more money if I don't know where this money is going. 
I sent {$3000.00} dollars to the eacrow this year and my payment was not reduced, it got higher. 
I am concerned and would like transparency about what I owe. 
XXXX XXXX XXXX
Consumer complaint received 2021-11-16
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. (GA)

XXXX XXXX XXXX # XXXX - account on file in error, was never delinquent, dates incorrect, Cased with state was closed by Custodial Parent,, all information incorrect, date opened, date of last payment, comments, date last active disputed this and it came back verified when clearly the information to both bureaus isnt event the same
Consumer complaint received 2018-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transunion continues to report the following inaccurate item to my credit report. 

XXXX XXXX It should be deleted because it reports a bankruptcy not on my file ...
Consumer complaint received 2021-11-16
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 — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (GA)

I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.
Consumer complaint received 2021-11-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (FL)

On XX/XX/XXXX - I noticed 211 fraudulent checks had been withdrawn from my acct. the checks are not my checks ( they have a different maker and signature ). The total of these 211 checks is {$12000.00} and suntrust has done nothing to resolve this error. The investigator has never even called me to speak about the case- the fraud case number w suntrust/truist bank is XXXX. I have contacted the fraud office on XXXX original report of incident - XX/XX/XXXX went to local branch to find help - no call back XX/XX/XXXX called fraud unit - no response - filed complaint w bank XX/XX/XXXX called fraud unit - no response - filed complaint w bank XX/XX/XXXX - received a call from XXXX XXXX in reference to my complaint- told me she had 15 days to look into complaint. 
Well it has been 2 months since my funds were stolen out of my account and not one word from Truist/suntrust bank //. The sad thing is I have been a customer of the bank since XXXX when I opened my business.
Consumer complaint received 2021-11-16
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. (NC)

I recently received an updated copy of my Experian credit report and notice Experian is providing a Fake fico credit score, I filed a dispute with Experian after noticing several unauthorized inquires were made on on my report without my permission. Several days ago Experian removed 4 of those inquires and updated my report, but my credit score never changed. I called multiple times to address this issue and no one seems to have an answer. 

This is not the first time Experian has provided me with a Fake Fico credit score or credit score that never updates.
Consumer complaint received 2022-12-17
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: EQUIFAX, INC. (GA)

The ITEMS listed below are reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$570.00} ; XXXX XXXX  Bankruptcy Date XXXX Reference # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2019-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (GA)

Synchrony bank has, for the third time in the last 3, allowed someone to fraudulently use my information to open years. 

OnXX/XX/XXXX, I received a notification from PayPal that I did not request. I called and requested information, and was advised to change my password. 

However, on this day, someone else was actually opening a credit card in my name. 

My concern with synchrony bank is that they are not properly screening applicants, as none of my actual information except the social security and phone number matches the information on the active account. 

They should be held responsible for their lack of effort in protecting social security numbers and ask for positive ID before allowing people to open accounts. Its completely ridiculous that this has happened three times over, and they come the credit bureaus instead of accepting responsibility for their own negligence.
Consumer complaint received 2019-11-22
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: Experian Information Solutions Inc. (FL)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible
Consumer complaint received 2019-07-26
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BMO Bank, N.A. (KY)

Made payoff payment to BMO HARRIS AUTO LOANS on XX/XX/2019. Registered payment with them on XX/XX/2019. Said it takes 17 business days to release lien for payment to clear. I requested the lien to be released sooner due to the vehicle being given to my parents in another state. They are unable to register the vehicle until lien is removed. Was told they will fax to the DMV to release the and it never happens. They say title is in the mail and I never receive it has already been 15 business days.
Consumer complaint received 2022-05-20
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. (MO)

Equifax has placed two previously deleted accounts back on to my report with no notice of reinsertion as required by fcra law XXXX XXXX  XXXX XXXX XXXX Both accounts were deleted before and I did not receive notice of reinsertion. I would also like to request that Equifax provide me with a copy of the certification of accuracy for each account, as it is my right to do so. If there is no Certification of Accuracy for these accounts. that would indicate a violation is being carried out by the people at Equifax
Consumer complaint received 2023-02-21
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. (LA)

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/2021
Consumer complaint received 2021-11-16
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Healthcare Receivables Group, Inc. (NC)

The company name is HealthCare Receivables Group.

I woke up one morning to check my bank account. Only to find on my credit report 159 new accounts opened in my name. Apparently they opened debt collection accounts in my name with multiple duplicates. We're talking some charges duplicated as much as 15 or possibly even 20 times. 

Which also inflates the amount owed and makes the amount of credit owed appear greater than it actually is. This is a direct attempt to sabotage my credit after I've told them to stop contacting me. And they contact me nearly daily. Sometimes two or three times a day as well. 

I do not believe these multiple duplicate charges to be " accidents '' they're not being paid, they've been told not to contact, and they break pretty much every single protection that a consumer is supposed to have from being harassed. 

Also when they contact to collect they lie about the nature of the call. 
When you ask what this is in regaurds to they state and this is a direct quote : " It's in regaurds to a personal business matter for ( insert x ) '' Not at any point disclosing this is an attempt to collect a debt. Or even the name of their own company. They don't even disclose that. 

As a result it now looks like I owe 160 creditors and it's 1 SINGLE company. 
It also looks like I owe about XXXX when it's probably more like XXXX. If that even. 

Anyone that thinks about using this collections agency don't. You're literally giving them license to harass your clients. Because that's all they do.
Consumer complaint received 2020-02-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NE)

my nane is XXXX XXXX XXXX i'm part of the hamp program. my lender phh mortgage services shows no record of the hamp payment to my loan this year of {$5000.00}!!!! That's called mortgage fraud!!!!!! my loan # is XXXX my phone # is XXXX please leave a message if i don't answer. i sleep most days and am up overnight. thank you
Consumer complaint received 2021-11-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UMB FINANCIAL CORPORATION (IL)

On XX/XX/2021 i transferred " {$5000.00} '' from my XXXX XXXX XXXX Account through ACH to my XXXX XXXX account whom financial institution is " UMB Bank National Association '' XX/XX/2021 at XXXX they received the deposit AND closed my access to the account the same morning due to " Risk management '' they state. 

I've called numerous times from now up to now ( XX/XX/XXXX ) being also told that i would not receive my funds from them in check or any form from them. 

XXXX XXXX XXXX ' on XX/XX/XXXX sent a letter of Indemnity to 'UMB Bank National Association ' requesting the funds be reversed back to their institution in which they have not received any response since.
Consumer complaint received 2018-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BMO Bank, N.A. (NC)

In XX/XX/XXXX, we filed a complaint against BMO Harris Bank because they were reporting incorrect information on our credit report. They responded to our complaint on XX/XX/XXXX, stating they were going to fix the situation. As of today ( XX/XX/XXXX ), they are still reporting the inaccurate information on our credit file.
Consumer complaint received 2019-11-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: JPMORGAN CHASE & CO. (TX)

I am over XXXX years old and I got my car financed with Chase. Last month I paid my car 2 weeks late but I was harassed every day by Prerecorded phone calls on my cell phone that I never consented to. I got a manager on the phone finally and told them that I never gave them permission to call me using an auto dialer and to stop calling me due to my health reasons. The calls never stopped and this month I got 5 voicemails in one single day from them. The auto calls have not stopped and I feel like this has made my medical condition worst. I know I am not the only customer chase is calling without their permission and know chase is harassing others as well. I had to change my number because I was losing sleep and not following my doctors orders. Please audit chase 's customers and fine them for not getting permission and breaking collection laws.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
Bankruptcy XXXX XXXX-discharged Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX bankruptcy discharged XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2022-05-20
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: WELLS FARGO & COMPANY (NJ)

In accordance with fair credit reporting act XXXX  account Wells Fargo card services, XXXXXXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 USC 1681 section 602 state I have the right to privacy 15 USC 1681 section 604 A section 2 : It also state a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2021-11-16
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. (GA)

XXXX visa/XXXX  XXXX XXXX  account disputed multiple times across each bureau came back verified, but each bureau is reporting information incorrectly as has done for almost 2 years, has allowed creditor to put incorrect information on my report in violation of FCRA, have disputed this multiple times
Consumer complaint received 2020-02-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

Portfolio Recovery Associates is attempting to collect a debt that was already charged off in a dismissed bankruptcy. 

They are listing themselves as the original creditor, but I have never had dealings with this vendors. 

This is negatively impacting my credit score.
Consumer complaint received 2021-11-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX visa/XXXX XXXX XXXX account disputed multiple times across each bureau came back verified, but each bureau is reporting information incorrectly as has done for almost 2 years, has allowed creditor to put incorrect information on my report in violation of FCRA, have disputed this multiple times