davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (TX)

This complaint is against PNC Bank. My husband and I were BBVA customers, which was previously Compass Bank. As I am sure you are now VERY aware, PNC bought BBVA and on or about the weekend of XXXX XXXX, PNC migrated BBVA accounts XXXX changing account numbers, etc. We had four accounts with BBVA, two business and two personal. These accounts were all linked and accessible via online banking prior to the migration. After the migration, only three accounts were linked, the two business accounts and the personal money market account. The personal checking account was NOT linked and all the bill pays previously set up with BBVA were CANCELLED. This is completely unacceptable. To make the problem worse, PNC appears to have been completely unprepared to deal with the onslaught of customer service calls as a result of problems caused by their so-called migration. Each customer service representative I managed to talk to about the issue the day after the botched migration ( after being on hold for ridiculously long periods of time ) had a different approach to resolving the issue, none of which made sense. They were clearly not very well trained. When we went to a local branch the day after the botched migration in an attempt to fix the problems, the person there filled out a form to fix the linking or so we thought. Here we are over a month later and the personal account is still not linked. Each week, I call customer service and I get yet another story as to why the linking is not done. 

It is COMPLETELY unacceptable for a bank to CANCEL scheduled bill pays, as PNC did. This created all sorts of problems. Further, the minimum they could have done is to notify us that there was a problem, which of course did not happen. 

Further, we went to the branch where we had a safe deposit box as we needed to move the contents closer to where we are now living. This was a former BBVA branch and the people there did not even have instructions as to how to cancel the box. I have no confidence that the automatic charge was not stopped. The manager actually had to go to her office and print out online instructions.

This bank was clearly unprepared and incompetent in the acquisition of BBVA and the transition of our account and many, many others.
Consumer complaint received 2021-11-24
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit XXXX the date of the last letter was on XXXX XXXX, 2021. And now we are in the month of XXXX 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 THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Caliber Home Loans, Inc. (WI)

I recently reached out to caliber home loans with the hopes that they could help me on numerous occasions to no avail. I attempted over the course of the last few months to get in contact with someone, but it wasn't until earlier this month of XXXX that I was able to get in contact with a gentleman. I called due to a financial situation my husband and I was having due to several break ins in our properties that affected my husband and I tremendously. We were late on a payment in XXXX inadvertently which was our first ever being late in the XXXX that we have been with Caliber home loans. I explained my situation to the gentleman and asked if they would " out of good faith '' report our XXXX payment being on time due to us being caught up and never having a late payment before. He said that it was absolutely nothing he could do. I told him that I could provide police reports or documentation showing why we had been late and that we had never been before, but he again said it was nothing he could do. The payment was late in XXXX, but reflects we were late in XXXX which is inaccurate. I am asking please out of good faith or even if I must pay that someone understands our situation. Due to the unfortunate situation with multiple break-ins and everything stolen it put us behind on all our bills. We are now caught up with all of them. We are praying that Caliber would be willing to please understand our situation as it was unforeseen and would take inconsideration into reflecting on our credit reports that we paid on time. This has dropped my credit score over XXXX from XXXX late payment, which I have no other late payments or anything on my credit report. I can no longer refinance my XXXX properties that were due to be refinanced this month due to the significant change in my credit score but also the negative late payment from caliber.
Consumer complaint received 2021-11-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On XX/XX/XXXX. 2021, I mailed an affidavit to XXXX in regards to inquiries on my report. I recieved a letter claiming that my inquiries have been investigated and are valid. I spoke with 3 different agents and requested that they send me the documents and report that proves an investigtion was completed. The agents claimed they are not obligated to do so. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I am expressing my right to demand that you disclose your compliance with XXXX XXXX and disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the inquiries that you are reporting in my credit report. 

Please dont respond to my request by saying that these accounts have been verified because I have never been sent proof of such. Instead, send me copies of the documents that you have in your files that were used to verify them.
Consumer complaint received 2021-11-24
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: V and H Portfolio (OH)

Vance and Huffman LLC and XXXX XXXX XXXX XXXX {$8700.00} i have filed several disputes against this company in the credit bureau. this is not my debt. i do not and have not opened an account with this or any other company the dates they say was opened is XXXX, 2020 i asked for proof, a signed contract, anything to show that this is my debt but the have given me nothing and have lied to the reporting agencies and its still on my credit. 

this is against the law and they dont care.
Consumer complaint received 2020-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (TX)

Applied for Citibank with mid 700 scores. Was denied due to too many recent inquiries however all but 2 were inquiries for an auto loan. When I called to ask to reconsider the agent told me that if they do another hard pull they should be able to look and approve me because the inquiries were auto however when they did the recon the executive credit analyst informed me they cant see individual credit apps and that it doesnt matter either way. Two hard pulls and i was still denied
Consumer complaint received 2024-01-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (AZ)

On XX/XX/2023 after pulling my credit report I found negative reporting on my consumer credit file from a company named Credit Collection Services. 
The negative and inaccurate reporting of this account is harming me. 
Credit Collection services did not validate this debt before reporting it on my consumer report. 
Credit Collection servic did not have my permission to furnish this information to my consumer report. 
Credit Collection Servic did not notify me before reporting information to my consumer report Credit Collection Servic does not have a contractual agreement with my wet ink signature on any documents with their logo or Company Letterhead Credit Collection Servic does not have a power of attorney or delegation of authority
Consumer complaint received 2022-01-30
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)

FL XXXX XXXX XXXX XXXX MD is incorrectly reporting a collection on my credit report. I have no knowledge of this account and I am not responsible for any debt reporting from this company. This account that is being reported negative on my credit report does not seem to be reported accurately and legally per FCRA.
Consumer complaint received 2020-02-28
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. (AR)

This is the first time my identity has been compromised. I don't understand why this happen to me. There are many unknown student loans open under my name and other suspicious accounts that do not belong to me. Please remove these fraudulent unknown accounts from my report. 

XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$3900.00} DPT ED/XXXX  XXXX {$2200.00} DPT ED/XXXX   XXXX {$4700.00} DPT ED/XXXX XXXX {$1400.00} DPT ED/XXXX  XXXX {$5100.00} DPT ED/XXXX XXXX {$11000.00} XXXX XXXX XXXX {$3900.00} XXXX XXXX XXXX {$7000.00} XXXX XXXX XXXX   XXXX {$12000.00} DPT ED/XXXX  XXXX {$4000.00} XXXX XXXX {$2000.00} US DEP ED XXXX {$4700.00} US DPT ED XXXX {$28000.00} XXXX/XXXX XXXX {$0.00} US DEP ED XXXX {$5100.00} XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX {$3000.00} XXXX XXXX {$860.00}
Consumer complaint received 2021-11-24
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. (GA)

Pursuant to 15 usc 1681a ( XXXX ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( l ) which is the term credit card means by any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate the consumer credit transaction below.
Consumer complaint received 2021-11-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I applied for Citizen checking account on XX/XX/2021 and got approved on XX/XX/2021. I used the link in the approval email to open an online banking account, but no information match in their database, and I called customer service on XX/XX/2021 for help to open an online banking account, I was told my application is under review. I received my physical debit card on XX/XX/2021 and I tried to open an online banking account again, still, no match and I can not open the account. I received another letter that was sent out on XXXX ( the day I called customer service for the first time ) from Citizens Financial Group IncXXXX on XX/XX/2021, and I was told my account was closed. I called customer service on XX/XX/2021 and asked why my account was closed. The agent can not explain it to me just told me it was due to a security reason, and that was the company 's decision. On the same day, I received my PIN from Citizens. 

With only a debit card, no other account information, then my account was closed. Citizens Finanical Group Inc. did not provide any solid justifications on why they are closing my account. The so-called " security reason '' is a vague term and really sounds ridiculous when there were no transactions being made via the debit card. 

It is understandable that sometimes a bank would like to verify information with the customer. However, Citizens Financial Group Inc. made no attempts to contact me for any information but simply decided to close my account instead. This practice is unusual and does not conform with industry standards and procedures carried out by other financial institutions when they think there is a potential security reason. 
On Citizens Financial Group Incs website, it promotes that the Citizens bank as Hel customers. This is certainly misleading given the fact that a consumers card is unreasonably closed BEFORE the card arrives via mail. 

I hereby share my experience here to alert any other consumers like me that might be fooled by Citizens Financial Group Inc. and I would like to raise public awareness of the shady practice of Citizens Financial Group Inc.
Consumer complaint received 2022-10-02
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-11-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (PA)

I applied for a XXXX Mortgage XXXX with Rocket Mortgage in XX/XX/2021. The Lender Representative whom I initially spoke to via mobile telephone told me that when I qualified for their Mortgage Refinancing that I would also get a Cash Out for approximately Seventy-Nine Thousand Dollars. He also told me that I would have to put down Five Hundred Dollars to keep the Two Point Five Percent ( 2.5 % ) Interest Rate but he never mentioned that my down payment will not be reimbursed if the Assessor does not find my house meet Rocket Mortgage requirements regarding the value of my real estate property. Also, Rocket Mortgage sent a Deposit Agreement with a counterfeit signature of my name after the fact that I verbally notified XXXX XXXX XXXX, Executive Resolution Advocate, from Rocket Mortgage, that I was cancelling my Refinance Mortgage Application. I was misled by Rocket Mortgage by denying to reimburse my {$500.00} ( Five Hundred Dollar ) deposit.
Consumer complaint received 2021-11-24
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. 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 THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Integrated Asset Recovery LLC (CA)

Portfolio recovery is misrepresenting itself as a factoring company on my credit reports which is a violation of the FCRA as they are actually debt collectors. The inaccurate reporting is for XXXX XXXX XXXX XXXX, account # XXXX. I have attached proof directly from my credit report which should without a shadow of a doubt verify the inaccuracy.
Consumer complaint received 2021-11-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the requests I sent. However, any modes of response or coordination were not taken on their end. The TransUnion Credit Bureau did not comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXX Date XXXX. XXXX, XXXX
Consumer complaint received 2024-06-09
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC (FL)

On XX/XX/year>, I refinanced my mortgage with Rocket Mortgage and did not receive my escrow from the previous loan. I contacted Rocket Mortgage to explain why and was told several conflicting stories. Initially, I was told it was what Rocket Mortgage called a Netted Escrow where they applied the funds to my escrow account. That explanation is not appropriate as the loan was being paid off so there was no reason to do anything with my escrow because funds were retained from the new loan to create a new escrow account. The representative who gave me that information looked at my file and determined that the explanation was not appropriate, so he transferred me to a Rocket Mortgage XXXX XXXX ( XXXX XXXX ). She indicated that she would investigate what happened to my escrow. She called me rather than send an email and stated that my escrow was used to reduce the amount of the mortgage I was refinancing. I asked who authorized that and she said it is something they do. I asked whose escrow was it, mine or Rocket because I should have a say in what happens to my money. I asked her to send me a copy of the XXXX XXXX XXXX, however I have not received it. 

XXXX XXXX called me again after I sent her another email requesting the status of her inquiry. She stated that there were no actions she plans to take as the loan had already closed. She was investigating to see where errors occurred in her office and where they can improve as they are all human and make mistakes. While I agree they are human, their errors should not impact me. She went on to say that I didnt lose any money as my escrow was used to reduce the amount of the loan I was refinancing. Moreover, she indicated that I should have said something during the 3 days I had to cancel the loan, however I did not receive notice this occurred until XXXX weeks after the loan closed. 

My issue is during the initial loan process my escrow was discussed with my loan officer and he indicated that I would get it back ( the same as my previous refinances ). While XXXX XXXX states I didnt lose anything is not the case. I refinanced for a specific reason and getting my escrow of {$6800.00} to satisfy some other obligations was a contributing reason for me refinancing. Im requesting Rocket Mortgage do whatever is required to refund my escrow.
Consumer complaint received 2021-11-24
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. 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 THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-24
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: WELLS FARGO & COMPANY (MI)

I have contacted Wells Fargo on numerous occasions regarding this alleged debt. I have addressed them about the billing error on this account. On XX/XX/XXXX Wells Fargo illegally repossed my vehicle. According to 15 U.S. Code 6802 - A financial institution may not disclose nonpublic personal information to a nonaffiliated third party which Wells Fargo did as well as they willingly damaged and seized my property. 
Fact, I, am aware that Wells Fargo the creditor can not restrict, accelerate payment or close an account and or make or threaten any adverse reporting to any person about the consumers credit standing without resolving the billing error. Such actions by Wells Fargo will forfeit its rights to collect the disputed amount as described in 15 us code 1666 ( e ) and hold the creditor liable under 15 us code 1693m for the actual damage, caused to I the affiant as well as held to criminal liability pursuant to 15 US code 1693n failing to present required documentary evidence as requested to clarify and resolve the previously addressed billing error XXXX XX/XX/XXXX Wells Fargo was sent an affidavit of Cease and desist, which no representative has responded to, instead on XX/XX/XXXX I was sent a letter of Wells fargo threatening to Repossess my vehicle once again which is a direct violation of the congress law pursuant to 15 U.S code 1692. The fact that Wells Fargo states i owe anything is misleading. Pursuant to 18 US code 8 obligation is that of the US.