davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (VA)

Hello, I am a customer of PNC Bank. I have a checking account and a savings account. The savings account is a Performance Select Premiere Money Market Account. For the month of XX/XX/2023, the bank credited the savings account with an interest of 1 %. However, the interest rate was supposed to be 1.49 % ( 1.5 % APY ). Throughout the month of XX/XX/2023, I checked the PNC website for the interest rates applicable to my account and my XXXX ZIP code ( https : //www.pnc.comXXXX ). 

On XXXX XXXX XXXX, I contacted my local PNC branch to let them know about the issue. On XXXX XXXX XXXX I was able to speak with the branch manager ( XXXX XXXX ). The manager was also surprised that my account was not credited 1.49 % for XX/XX/2023. The manager elevated the issue. 

On XX/XX/, I received a call from PNC retail support. The customer service representative said that I was eligible for a 1 % interest rate because thats what the computer said. On XX/XX/2023, the customer service representative contacted me to let me know that it was impossible to credit interest on a retroactive basis and that I was still eligible for only a 1 % interest rate. 

I realize that the amount at issue is around {$60.00} ( not a huge amount ) ; however, I have spent over 20 years trying to save as much as I can and place it into my savings account. Given the rate of inflation, every dollar counts. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-03-15
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)

Ensuring that payments on this account are always made on time has been my priority, ensuring they never lapse into overdue status. I'm unclear as to why there are reports of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2023-03-01
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (NY)

In XXXX of XXXX, I received a Loan Modification with Partial Claim on XX/XX/XXXX from XXXX Bank. My new terms were payment of PITI {$2500.00} with 5.125 % interest rate term of 480 months with Maturity date XXXX/XXXX/XXXX. There was a Quit Claim Deed removing my ex-husband from the deed. I signed the modification agreement which only had my name, returned it to XXXX and it was executed by them. I received a copy of the executed document back. My first payment was made to XXXX on XX/XX/XXXX with the amount of {$2500.00}. Shortly after that, I received notice that the loan was transferred to Mr. CooperXXXX in XXXX the following payments of XXXX & XXXX were made to and accepted by Mr. Cooper. Then in XXXX & XXXX they did not accept my payments. I was at that time informed that there was an issue with XXXX not giving the entire agreement to Mr. Cooper. I was previously working with a housing counseling agency XXXX XXXX XXXX XXXX ( XXXX ), so I turned to them again for assistance with this matter. So, on XX/XX/XXXX, XXXX XXXX from XXXX reached out to Mr. Cooper & was informed by the rep XXXX, that the modification agreement signed by XXXX had an error. At which time she advised that the Executed Modification Agreement should be honored, and I was conferenced on the call to make both XXXX & XXXX payments which I did right then & received a confirmation number. I also set up an automatic payment for the month of XXXX which on XX/XX/XXXX, the payment was withdrawn from my checking account. Thinking everything was settled, I felt all was back on track. When I went to make my XX/XX/XXXX, it was not accepted. Since then, XXXX XXXX ( XXXX ) & I have escalated the issue with Mr. Cooper and working with XXXX at the escalation dept. We were now informed by Mr. Cooper the issue was that my ex-husband 's name was not on the XXXXXXXX  Executed Modification Agreement and that his name needed to be on there. So, they were going to re-issue the agreement to include his name ; however, when I received the documents with my ex-husband 's name now, there was only a Partial claim, the Loan Modification portion was missing. We also noticed the maturity date and the amount of partial claim amount were different from XXXX. This was brought to the attention of XXXX XXXX escalation team ) and we are still awaiting a response. I have spent XXXX, XXXX XXXX and XXXX trying to resolve this issue. Numerous phone calls were made by XXXX XXXX and myself to have this issue resolved and thus far still won't accept my XXXX & XXXX payment.
Consumer complaint received 2023-03-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

i spoke with someone from the bank and there was three accounts opened two checking and one savings i have not used bank of america in years and now they are saying that i owe them {$1800.00} for something that was not my fault i been trying to report it as fraud and they just keep calling my cases out and its stopped me from getting other accounts because this one is owed on and this is ridiculous i been going through this for 4 years now and XXXX cant open no bank accounts at no other bank because of this is on my XXXX XXXX credit and i just want it cleared up
Consumer complaint received 2023-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I recently received a job offer from " The XXXX XXXX '' to work as a data analyst on XX/XX/2023. After accepting their offer, I was asked to send over my contact information ( i.e. name, email, and phone number ) by a supervisor by the name of XXXX XXXX so they could send over to their HR department to set me up with orientation. I didn't think too much of it because I thought it was protocol. Little did I know, I started seeing fraudulent XXXX wire transfers from my primary bank account. I don't use that platform at all for money transfers. It got so bad I had to close my account and open a new one on XX/XX/2023 over the phone which took a couple hours. I filed a claim on the same day so I am waiting to see the results which can take 10 business days. I also contacted the HR of the Company by phone on XX/XX/2023 to let them know about the situation. The phone numbers for the Company are XXXX and XXXX. Below are pics I have found so far.
Consumer complaint received 2019-12-03
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. (CA)

XXXX  ; Experian and XXXX  are reporting incorrectly lates on the USD/XXXX  ; XXXX ; XXXX/XXXX  and XXXX  student loan accounts. ( Please see attached spreadsheet as well as pages from my credit report for reference. ) These student loans are in forbearance and therefore no late payments should have accrued. This false reporting of lates is seriously harming my credit score and these multiple line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to have these items removed however, I have not been successful.
Consumer complaint received 2023-03-01
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. (AR)

all 3 major credit bureaus have been furnishing incorrect information on my credit profile. the following accounts have been added to my credit profile unlawfully as they do not belong to my name.MY NAME IS SAID XXXX, SOMEONE ELSE WITH SIMILAR NAME OR FRAUD INTENTIONS HAVE OPENED UP SOME ACCOUNTS THAT DO NOT BELONG TO ME OR HAVE NOT BEEN CONSENTED BY ME LEGALLY.I have filed a police report and obtained a copy of it, i have other supporting documents to support my claim that this is fraud conducted by all 3 major credit bureaus, EQUIFAX, XXXX XXXX AND 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.
Consumer complaint received 2023-03-01
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: Experian Information Solutions Inc. (CT)

Hello, I am writing to dispute the negative items on my credit report. Specifically, I am disputing the following 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 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 I believe these items are inaccurate and unfairly damaging my credit score. As per the Fair Credit Reporting Act ( FCRA ), I have the right to dispute these items and request that they be removed from my credit report. 

I have never been 60 days late on my payments with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . In fact, I have always made my payments on time and have never missed a payment with any of these creditors. 

Furthermore, I have never had any dealings with XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, or XXXX. XXXX, XXXX. I have no knowledge of these accounts and believe they may be fraudulent or a result of identity theft. 

Regarding the charge-off account with XXXX XXXX, I have made several attempts to resolve this account with the original creditor but have not received any response. As per the FCRA, a charge-off account must be removed from my credit report after 7 years. The date of first delinquency on this account was more than 7 years ago, and therefore it should have been removed from my credit report. 

Additionally, I believe that the inquiries by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are unauthorized. I did not authorize these inquiries and have no business dealings with these companies. 

In accordance with the FCRA, I request that you investigate these items and remove them from my credit report if they are found to be inaccurate or fraudulent. I also request that you provide me with a copy of my updated credit report once the investigation is complete. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-01-23
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)

I have been victim of identity theft, accounts had been opened in my name, this is a written request to block this accounts from my credit report in accordace with FCRA, fraudulent information should be block from consumer credit file. 
XXXX police report # XXXX is attached.
Consumer complaint received 2023-03-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (IA)

I had my loan modified because of Covid. Then lost my job. I called 4 month 10 days would not allow me to do a payment XXXX have found a job I and make about XXXX a month. When I called on XXXX XXXX. They told I was denied I could not make payments. She was not willing go, over financial. She could not even how much the payment would be. I know modified the loan XXXX of XXXX. I am willing make payments if someone would allow make payments. The company is Carrington
Consumer complaint received 2023-02-28
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. (TX)

Experian is committing Identity Theft by reporting accounts without Permissible Purpose with the following accounts reporting to my consumer report. I have disputed within for nearly a year, and have not achieved any results. 

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 I have submitted an identity theft report on identitytheft.gov.
Consumer complaint received 2023-06-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Trans Union is reporting inaccurate and unverifiable information on my credit profile. I have reached out to dispute this information and they said the information was verified. I have reached out the court and they furnished me a letter stating they have not verified nor reported any information any credit reporting agencies.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2022-10-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

According to the Fair Credit Reporting Act the following accounts have violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Fair Credit Reporting Act shows several laws being broken here 15 U.S.C 1681 section 602 A : states that I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2019-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I have tried NUMEROUS TIMES to get my PAYMENT HISTORY corrected with They continue to go in and make changes that make matters WORST! They are NOT being legal, honest or FAIR! 

I am asking that you hold them accountable and make them take those late payments OFF! I have NOT been late on my payments and their continual ERRORS and MISREPORTING make me further confirm that THIS INFORMATION IS NOT CORRECT! 

I WANT THESE PAYMENTS DELETED FROM MY ACCOUNT. I WANT THE ENTIRE ACCOUNTS DELETED AS THEY ARE NOT REPORTING CORRECTLY BY LAW AND THEY DO NOT REFLECT ME AND MY CREDIT HISTORY. 


I HAVE ATTACHED DOCUMENTATION THAT SUPPORTS THE ERRORS THAT ARE BEING MADE ON MY ACCOUNT.
Consumer complaint received 2018-02-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc. (FL)

I was shocked when I received my credit report and found late payments that I did not recognize. I'm not sure how this happened, I believe that my account got merged with someone else 's account. I have made my payments on time. 

Alleged Missed Payments 1. XXXX XXXX : I was never 150 days late. the other two bureaus have me listed as " Paid As Agreed. '' Please update, thanks. 

2. XXXX XXXX/XXXX  : I was never 120 days late. Please update to Paid as agreed, never late. 

3. XXXX/XXXX : I was never 30 days late. Please update to Paid as agreed, never late. 

4. XXXX/XXXX  : I was never 150 days late. the other two bureaus have me listed as " Paid As Agreed. '' Please update, thanks.
Consumer complaint received 2022-09-12
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc. (MD)

I applied for the line of credit for a washer & dryer that cost a total of XXXX total. Finance fees included it was suppose to XXXX. Now 11 months later I paid more then XXXX or more for the units and they saying I owed them XXXX for the units because I missed the pay off time for the XXXX and they charging XXXX now.
Consumer complaint received 2023-02-28
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. (CA)

Ive previously filed a dispute for an investigation to correct errors and or delete for continuous violations and have not received a response from XXXX XXXX XXXX threw Experian XXXX XXXX. They continue to report inaccurate and inconsistent reporting on my credit report in which it has negatively affected me and cause damaged. Ive filed a complaint threw the XXXX XXXX XXXX and even so filed a complaint with the State General Attorney. They have yet to even reply to the XXXX XXXX XXXX request. According to 15 USC 1681i Experian, XXXX, and XXXX shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Theyve failed to do so multiple times! They say it comes back verified but yet still reports inaccurate information and fails to mark the account as disputed which means it was never disputed! If not handled and deleted for violations I have no choice but to collect for damages which I am entitled to. Evidence provided below.
Consumer complaint received 2019-12-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (TX)

I have been sick from a XXXX  XXXX  and found it hard to work I need financial assistance my parents won't help me also no one help me I have been u employed for last 6 yrs just recently found a job at XXXX and the workers treated me in they harassed me
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.
Consumer complaint received 2023-12-29
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc. (NY)

I called to have Self Lend correct information with the Credit Bureaus and they kept making excuses giving me the run around. I then requested for a satisfactory letter and they again kept making excuses to I demanded to speak to a manager and I was not transferred to a manager the rep came back to the phone stating she was going to send me a letter stating the balance was {$0.00} I said no, can I please get a satisfactory letter that states the balance was satisfied. The call got disconnected. I then saw a letter written by the rep stating as of the day I requested the letter the balance is {$0.00} but I paid off the balance since XXXX. I dont understand why they are giving me the run around to fix the account information with the bureau that the account was satisfied so that I was can stop showing in my report its past due! Im so frustrated because I reached out to Self Lend with no recourse at all from them. Please investigate and have then fix this. Thank you