davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: PNC Bank N.A. (NJ)

I want to link my bank account to XXXX XXXX app and PNC won't allow me. 

Its MY account and MY money and that is MY right. 

I have 0 % XXXX issue finding a new bank.
Consumer complaint received 2023-01-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (PA)

SECOND COMPLAINT : Wells fargo bank said there is know wrongdoing on their behalf well we see that no company will admitted wrongdoing even when they are caught like you WELLS FARGO BANK Who we all know i a Repeat Offender, now the only Modification that we remember {$500.00} which was paid off quickly that all we recall but we remember putting down payment {$43000.00} XXXX dollars cash and was making our Mortgage payment faithfully until we be came sick also this loan management called XXXX XXXX XXXX services came out of no don '' t know this from a can of paint, we signed no papers with this LLC we do not have a clue who they are but any companies that swooped down on homes that falls in to foreclosure that can secretly Transferred documentation without the homeowners knowledge is very dangerous my be this XXXX XXXX XXXX XXXX XXXX Should be Investigated along with WELLS FARGO BANK as a repeat Offender., Turning down people of color are a lower income for a Modification is plain Discrimination CFPB show that on their Website I don '' t know what papers XXXX  Doctrine up against me they know they stole our home from me & my wife through Foreclosure, .please Include us in your XXXX XXXX XXXX, XXXX  Treated us unfairly.
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

YOU ARE REPORTING INCORRECT AND INACCURATE INFORMATION. 15 U.S.C 1681s-2 ( a ) ( 1 ) ( B ).

Responsibilities of furnishers of information to consumer reporting agencies ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. In conclusion, I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this information is in clear violation of the law pursuant to 15 USC 1681s-2 of your responsibilities as a furnisher of information. 
Furthermore, pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Haw. 1980 ) providing a contract ( electronically signed by someone with a different name ) is not debt validation.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

To Whom it May Concern, I have reviewed my report recently. There were names and addresses on it that are incorrect - spelling errors or just plain wrong from my credit report, as allowed by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and the Metro 2 credit reporting guidelines. It has come to my attention that the following information on my credit report is incorrect : PLEASE FIX EVERYTHING IN MY PERSONAL INFORMATION THAT IS NOT THE FOLLOWING : 1. PLEASE UPDATE MY NAME TO : XXXX XXXX 2. PLEASE UPDATE MY ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX 3. MY ONLY SOCIAL SECURITY NUMBER : XXXX 4. MY ONLY AND CORRECT DATE OF BIRTHXXXX 5. MY ONLY EMPLOYER IS XXXX XXXX I DO NOT WISH TO HAVE MY PHONE NUMBER LISTED ON MY REPORT. 

Moreover, I request the removal of any other personal information currently listed on my credit report that is inaccurate and does not pertain to me. Specifically, I demand the removal of all other addresses from my report, as they are not deliverable to me by the U.S. Post Office and are not reportable under the FCRA due to their inaccuracy. 
I have attached a copy of my identification card and a recent utility bill for verification purposes, as required by the FCRA. Under the FCRA Section 611 ( a ) ( 1 ) ( A ), I am entitled to a free copy of my credit report once you have completed the necessary updates. Kindly provide me with an updated credit report so that I may verify its accuracy. As the FCRA stipulates, if you are unable to complete the investigation within the 30-day timeframe, you must remove the disputed information from my credit report. Additionally, I would like to remind you that under the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you are required to notify me of the results of the investigation within five business days after it is completed.
Consumer complaint received 2020-12-28
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: CBC Companies, Inc. (TX)

On XX/XX/2020 I reported 5 unauthorized inquiries to XXXX and creditors. 
After more than 30 days of the complaint, neither the creditors nor the CRA have removed these unauthorized inquiries, nor validated them. 

Per FCRA the CRA and the creditors have 30 days to verify or remove the unauthorized inquiries and both XXXX and the creditors have failed to comply with the FCRA. 

Therefore I demand immediate removal and compensation of {$1000.00} per violation, due to failed validation and removal according to FCRA timeline.
Consumer complaint received 2020-03-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION (MI)

For the past several months I have had an ongoing issue with Sallie Mae. I dont have specific dates because it is every single month there is a problem with Sallie Mae. First they turned off my auto debit for my payment, I called and was told auto debit was not an option even though I had it for over a year. Called back again and someone said it was an option and wasnt sure why I was told that. Auto debit was turned back on, then Sallie Mae continued to pull my payment from the incorrect bank account after I had called twice to update it, they charged me late fees for an error that they made. Now every month I have to call to set up a payment and sometimes I am told auto debit is on and sometimes I am told I have no auto debit on my account. All payments are up to date, and since XX/XX/2020 I have been fighting with them because they are saying my account is past due when I literally spoke with someone and have emails showing the payment being processed. Every time I call a customer service representative with what seems like has half a brain tells me something different about my account. One told me I owed {$400.00}, another told me {$900.00}, another told me {$700.00} and another told me {$1600.00}. When I asked why that was the balance owed when I made all payments her response was well I didnt really look into it so you mean to tell me youre a rep for a student loan company and you tell someone information about a payment and you dont really look into it? They told me to submit my bank statements showing proof of payment, I did, then they call back a few days later saying they cant find the bank statements I submitted. And then tell me a new balance is owed. How is there a new balance owed every time? And how is there a payment due when Ive made the payments? They offer no solutions, they offer no alternatives, they have no knowledge of anything they are talking about. Every single person I speak to has something different to say about my account but not a single person can offer a helpful solution. This is the absolute worst company I have ever dealt with and I have no idea how they are even operating. The most unprofessional, unknowledgeable company in student loans. They lose my payments, then put them past due, then state my account is current, then say theres late fees. I dont trust this company with any money I have to give them.
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-01-05
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. (NY)

I opened a secured personal loan with XXXX XXXXXXXX XXXX. The amount of the loan was {$500.00} and I deposited more than {$600.00} in the account to cover the loan and its interest. The banker who setup my secured account also told me he will setup auto payments to come out of my account into the {$500.00} loan. Fast forward 1.5 years later the loan and the interest have been paid off however I find out that XXXX XXXXXXXX XXXX  charged me a fee for every month the auto payment was done on my loan payments. So now even though the loan and interest is paid off, there remains {$180.00} just in bank fees being reported on my credit report and negatively hurting my credit. I called XXXX XXXX XXXX to get a resolution and both occasions the representatives kept me on hold and then dropped the phone. I need help with this, there should be no reason I have a balance with XXXX XXXX XXXX when the loan and interest was satisfied. The {$180.00} is strictly fees and nothing else and that is predatory on the part of XXXX XXXX XXXX.
Consumer complaint received 2024-03-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hello, My name is XXXX XXXX I'm reaching out to express my frustration regarding the lack of response after reporting my identity theft for the third time. Despite my efforts, neither the credit bureau nor the involved companies have addressed my disputes. This situation makes me feel like my consumer rights are being disregarded. As the victim, I'm unable to obtain the necessary assistance or response from the credit reporting oversight companies. If prompt action isn't taken, I'll have no choice but to pursue legal action.
Consumer complaint received 2023-01-05
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. (AZ)

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 

XXXX XXXX Bankruptcy Case Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.
Consumer complaint received 2020-03-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NM)

On XX/XX/XXXX I applied for the income based repayment plan so that I could qualify for the Federal Service Loan Forgiveness after 10 years. On XX/XX/XXXX I called to check to see how many months remained and was told I was only on the income based repayment plan for 2 years. The woman I spoke to, Ms. XXXX XXXX, said prior to that it appeared I was on the income based contingent plan even though I asked to be put on the income based repayment plan and and she commented that they Navient puts you on the plan that is best for you. Needless to say this isnt the plan that is best for me. This is the plan that is best for them. I wont get credit for the time I have been making payments. She also said I apologize for the wrong information you were given. Well, this has wiped out 6 years worth of payments and has derailed the plans I had of applying for the PSLF in two years. So basically {$80000.00} in Lon forgiveness is gone because they gave me wrong information.
Consumer complaint received 2022-12-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (MN)

My problem with Wells Fargo started I believe around 2019, when I first went to grad school I was getting random fees and found out it was because I had a low amount of money in either my checkings/savings ( I don't remember which one ). Since I was a XXXX and didn't have a solid income, I was getting random fees and was forced to close my savings account to avoid further fees and just have one checking account. These fees came out of the blue and it was hard to find a customer service rep to help me while I was overseas at grad school.
Consumer complaint received 2022-12-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY (FL)

I had a fraudulent activity with a XXXX transaction. I contacted td bank immediately to let them know that I was part of a scam through which my XXXX account was charged. After filing a complaint and providing all the necessary information td is refusing to credit my account
Consumer complaint received 2023-01-05
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. (TN)

Equifax reported on my credit report that my XXXX XXXX balance is {$380.00} reported by XXXX XXXX on XX/XX/22, however XXXX XXXX said they report each month on the XXXX and the balance reported on the XX/XX/22 was {$110.00}. Why are these credit bureaus allowed to report wrong information that affects us? The credit card balances are 35 % of our XXXX score which in turns damages our ability to buy a home, car, loans etc. The employees are incompetent they can not answer questions, most I spoke with can barely speak English. This is unfair to American citizens that pay taxes in this country.
Consumer complaint received 2020-03-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (RI)

On XX/XX/XXXX, your company ( Wakefield & Associates ) sent me a notice that my account has been listed for collections. Shortly after receiving this notice, I called ( XX/XX/XXXX ) your company and spoke with XXXX XXXX XXXX XXXX to explain the situation. I had been involved in a car accident, and went to seek medical services following the incident. The accident was not my fault, and the at-fault partys insurer had accepted liability. After calling you, I was assured that there would be no further action, and to have my attorney send you something conveying that I have legal representation. There may have been a communication error somehow, and you did not receive the contact from my attorney. 
Immediately after I became aware of my credit score collapse on XX/XX/XXXX, I contacted my attorney. He has since tried several times to resolve the situation with you, but it seems he has been rebuffed by your company. I do not understand why this would be ; any documentation you need would be willingly and promptly provided. 
Because this was a no-fault accident, I had been advised by the other billers and my attorney not to pay the account balances until after a settlement was made. I was very willing to pay, to avoid any adverse credit reporting, since I have had outstanding credit and wished to protect it. All other billers from my visit to XXXX XXXX XXXX have not pursued collections except for Wakefield & Associates, on behalf of XXXX XXXX of XXXX, XXXX. 
The at-fault party in the accident was cited with a traffic violation, and their insurance provider paid for total property loss ( of my vehicle ). However, the medical costs I incurred, by going to the emergency room following the accident, have been contended by the at-fault insurer because of the extraordinary costs of the services ( I had no private medical insurance to mitigate the costs ). The outrageous costs for the services are apparent, but should not be of consequence to me, as I hold no fault for the cause of the accident, and liability is accepted by the other party. Having stalled on paying the full amount required to cover the medical costs, the settlement process has endured for more than a year.
Consumer complaint received 2023-01-05
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 — Problem with personal statement of dispute
Company: U.S. BANCORP (MD)

I ended up having having 2 soft enquiries, at least that is what I wanted. Just to see if I pre qualified for credit cards. But the two companies ended up doing hard enquiries on XX/XX/2022. One of the companies is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The other company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I request that these hard inquiries be removed off my credit report As soon as possible.
Consumer complaint received 2023-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CLGF Holdco 1, LLC (MN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern : Thank you for taking the time to read this letter. I'm writing because I noticed that my most recent credit report contains a Charged Off on my credit report on XX/XX/2020 for my ( Genesis FS Card Services ) Indigo Platinum Mastercard. In which it was supposed to be a goodwill XXXX Also, I never had a Milestone Gold Mastercard in XXXX. XXXX XXXX 

I want you to know that I understand my financial obligations, and if it weren't for the circumstances of my XXXX XXXX XXXX XXXX XXXX  on XX/XX/2020, XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX and me being XXXX with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX from XXXX to XXXXXXXX XXXX  wasnt a great year for me at all. 
I know I missed payments to Indigo Card Services, and it was sold or transferred to XXXX XXXX XXXX, in which I did pay the account off in full for XXXX on XX/XX/2020. I feel that if I didnt suffer through those circumstances Id have an excellent repayment record with Genesis FS Card Services to this day. 
I made a mistake in falling behind but since then, I have been focused on paying off my debt. Since then, I've committed to on-time payments. It comes to my attention that I have a Charged Off account. This blemish could hurt my ability to qualify for a XXXX XXXX XXXX XXXX XXXX XXXX  ; I feel that my misfortunes shouldnt reflect my creditworthiness and commitment to repaying my debts. 
Genesis FS Card Services It would help me immensely if you could give me a second chance and make a goodwill deletion to remove the Charge Off on XX/XX/2020. 
Thank you for your consideration, and I hope you'll approve my request. 

Thanks, XXXX XXXX
Consumer complaint received 2020-03-04
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. (TX)

The following accounts are fraudulent : XXXX  XXXX XXXX {$540.00} XXXX  XXXX {$490.00} XXXX XXXX {$710.00} XXXX XXXX XXXX {$1100.00} XXXX  XXXX XXXX {$1700.00} XXXX XXXX XXXX  {$430.00}
Consumer complaint received 2020-03-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO. (CA)

I have received a 30-Day Late fee on my account, but payment was made on time. I receive ( 2 ) Statements from the same loan, but different payment addresses every month. I would make a payment to XXXX, and the payment would be redirected to Chase. XXXX XXXX XXXX XXXX, I have sent in ( 4 ) Letters requesting to look at the 30 days late and verify the documentation from XXXX XXXX, which shows I was not late on any payment. No receipt was received or acknowledged. I hired XXXX and XXXX and a letter was sent on my behalf to the Credit Bureaus and Lender. I received a letter back from Chase, stating I could NOT use an attorney to represent me but had to write myself, which I had done in ( 4 ) letters. I contacted XXXX # XXXX and XXXX XXXX who also failed to acknowledge the problem and even review the documents. Chase has refused to allow me to counsel in this matter. Per XXXX has assigned the case to the Special Collections Department, which has been done on ( 3 ) separate incidents. XXXX can be contacted at XXXX Per XXXX, another review is 48-72 hours.
Consumer complaint received 2022-10-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AmeriHome Mortgage Company, LLC (OH)

We were solicited several times by Amerihome to refinance our mortgage and get cash back for home improvements at closing. After our appraisal, we did not refinance because it did not meet the amount we wanted back, BUT we were told by the loan officer that we would at least be able to drop PMI. He gave us contact info, we submitted our information along with the appraisal ordered by Amerihome we had just paid {$450.00} for. We have been checking on status getting strung along by the PMI department for two months, and received an email today, poorly written, saying our appraisal is only good 3 months after closing so we are denied to drop PMI???? What??? We applied to drop it right away months ago, we never closed on any refinance, and the loan to value is well within range. HELP!!! THIS IS WRONG!!!!
Consumer complaint received 2022-03-14
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: TRUIST FINANCIAL CORPORATION (NY)

please stop reporting fraudulent information on my credit. XXXX is reporting an account that I never opened nor authorized anyone to open on my behalf. I have no knowledge of what this account is and I am requesting the immediate removal of this taccount from my credit. Please see attached the Identity Theft report and my Driver License.