davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A. (CA)

My wife and I decided to take advantage of low interest rates and re-fi our existing 30 year term loan with PNC to a 15 year term loan and locked in on a 2.75 % rate loan. This is a rental property. It was mentioned at the start that we could expect a closing in XXXX or early XXXX. 

We have provided all documents requested and PNC keeps asking for more updated information, including credit checks, which reduce our score each time. 

We feel that PNC is slow-walking us since there is no incentive for them to reduce their income from us. 

We incurred appraisal fee of {$680.00} at the start which appraisal has now expired. 

What recourse do we have? 
Thanks, XXXX and XXXX XXXX
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SECURITY FINANCE CORP (SC)

Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
Consumer complaint received 2021-04-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: XOOM CORPORATION (LA)

On XX/XX/XXXX I transferred {$2000.00} from my TD Bank account to my daughter 's account in XXXX with XXXX XXXX XXXX using Xoom.com, a division of XXXX. A day or so later, I discovered that I had made a mistake typing the XXXX number for international transfers. Although the money went to the correct bank, it did not go to her account. I called Xoom but because they had classified the transaction as " complete, '' they would not cancel the transaction, refund the money or see that it was credited to the correct account. I have called repeatedly and opened cases via their website on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and several times in XXXX. I have called repeatedly and been assured that a supervisor would send me an email, but all I have received were automatic responses to my complaints. One customer service person asked me to send a copy of my daughter 's bank statement to show the funds were not deposited, I did this, but the money has still not been either refunded or deposited in the correct account. The last case number I was assigned is XXXX but I am convinced this is a scam and the company is not making any effort to track my {$2000.00}.
Consumer complaint received 2022-11-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have sent dispute letters against the Credit Bureaus requesting that the Credit Bureuas correct my Credit File from erroneous information by updating, correcting, and removing the misleading information beinf reported on my Credit File. I have read that under the Fair Credit reporting Act, 15USC sections 1581i, the Credit Reporting Agencies are obliged to conduct and finish their investigation within 30 days, the time allowed by XXXX, or otherwise, the Credit Bureaus will be subject to investigation. On XX/XX/2022, I sent another Dispute letter to the Credit Bureaus requesting them to either correct or remove he erroneous accounts reporting on my credit file. As of now, I am submitting this CFPB complaint to remind the Credit Bureuas of my disputes and requests. Once again, I need the following erroneous accounts corrected and or removed from my Credit File as soon as possible : XXXX XXXX XXXXXXXX Balance Owed : {$700.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed XXXX {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX  XXXX XXXX Owed : {$22.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-11-03
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. (MO)

This is my forth CFPB Complaint to be submitted against the Credit Bureaus requesting the complete removal of the fraudulent accounts and information from my Credit File as soon as possible. I have read that under the Fair Credit reporting Act section 605b, the Credit Reporting Agencies are required to remove any accounts and information that resulted due to identity theft. On XX/XX/XXXX, I sent a dispute letter to each of the Credit Bureuas and I am still awaiting the Credit Bureaus ' replies. On my previous dispute letters, the Credit Bureaus have failed to respond to my letters which is a violation of the FCRA! bu submitting this CFPB complaint, I am expecting that the Credit Bureaus will be able to send me copies of proof of verification in the event the Credit Bueaus do not comply with the requests. Once again, I am in need of the removal of the following items completely from my Credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX Balance Owed : {$250.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-04-06
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

Never opened an account with Capital One they are saying the account was closed right after it was opened to protect my identity but they are reporting a credit card balance on my credit report but I have never used a capital on credit card. This is a mistake that needs to be fixed asap.
Consumer complaint received 2023-03-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

The companies involved are Wells Fargo Bank, XXXX and XXXX XXXX XXXX 
On XX/XX/XXXX I was approached by a person on XXXX XXXX after a few days brought up XXXX buying. I opened a account on XXXX and XXXX wallet. I made transfers to XXXX then to XXXX XXXX for trading. I did several trades on a site XXXX XXXX XXXX XXXX I did several transfers for transactions total of {$75000.00}. I realized there was a issue when I couldn't withdraw money on XX/XX/XXXX. My accounts at crypto.com and XXXX XXXX were no compromised. I called my bank Wells Fargo Bank when I made 2 wire transfers for Charge back since My account now was compromised they refused to help. I filed a claim on my debit card and savings ACH transfers they declined now two times to help and investigate when I told them money that was sent went to compromised accounts. I told them several times they kept telling me we are investigating for over two weeks being transferred from one person to another over and over. I contacted XXXX and XXXX XXXX also about this issue thru several emails they said your accounts have been compromised. After several emails no response from either one then I get a email from XXXX that I can only make wire Transfers and my account is restricted case closed. XXXXXXXX XXXX emailed mem back sorry your case is closed. My main issue is My bank Wells Fargo refused charge backs on fraudulent purchases and the rude no explanations of why charge backs couldn't be done. Wire transfers could have been reversed going into compromised accounts. I notified them as soon I realized this and they just send me letters declined with no reason and when I called it didn't seem urgent at all. XXXX freezes my account collected several thousand dollars in fees and so did XXXX XXXX XXXX XXXX told me we don't have or store XXXX .No one is taking any of this as responsible for any actions that have taken place. Or willing to help. Wells Fargo Bank mainly could have done charge backs knowing I reported the fraudulent purchases in a compromised account in both my Savings and debit card purchases. I don't know who to turn to for help now. I am retired and this was all my savings now gone and no one to help or even care.
Consumer complaint received 2022-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I filed disputes with Experian to rectify negative information on my credit report. Accounts that are old, inaccurate and should have been removed from account are instead being updated as collections and charge offs showing that I owe past due amounts which is incorrect. These negative marks on my credit report not only hinder me financially but as Experian continues to update these accounts the age of the accounts reflects a newer date which in turn keeps this reporting from ever aging off my report. This is fraudulent activity and also violates the CARES act.
Consumer complaint received 2022-07-22
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. (FL)

I am a victim of Identity theft and have had a fraud alert for years now and yet the below accounts were still able to appear on my credit report and inquiries. This following information listed on my credit report is the result of identity theft. I have not applied for or used any of the listed accounts. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( FINANCE ) XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( FINANCE ) XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ALSO, I HAVE RECEIVED NOTICE THAT THERE ARE MORE THAN ONE SOCIAL SECURITY NUMBER ASSOCIATED WITH XXXX XXXX DO NOT HAVE ANY OTHER SOCIAL SECURITY NUMBERS I NEED THE ITEMS LISTED PERMANENTLY REMOVED AND BLOCKED FROM COMING BACK AND I NEED ANY ADDITIONAL SOCIALS REMOVED AND BLOCKED. I HAVE SUBMITTED DISPUTES IN THE PAST INCLUDING MY POLICE REPORT AND IDENTITY THEFT REPORT WHICH YOU SHOULD HAVE ON FILE. PURSUANT TO SECTION 605B OF THE FAIR CREDIT REPORTING ACT WHICH REQUIRES YOU TO BLOCK THE FRAUDULENT INFORMATION ON MY CREDIT REPORT RESULTING FROM IDENTITY THEFT WITHIN FOUR DAYS AND TO PROMPTLY NOTIFY THE FURNISHER ( S ) OF THAT INFORMATION. XXXXIT HAS BEEN MORE THAN A YEAR AND THIS INFORMATION STILL REMAINS.
Consumer complaint received 2017-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (OR)

I have been trying to implement a credit freeze through Equifax for over a week. The only two options I have been supplied with are through an automated call service and an online portal. I have tried both methods multiple times and each time the system said it was unable to complete my request, in spite of the fact that I followed all of the steps and supplied all of the correct information provided. 

When I called their support line, they would not provide me with a number to contact anyone in Equifax who could verify the freeze or could help me resolve this issue. Twice the customer service rep simply hung up on me. 

I was able to enroll in their Identify theft program but even on that site, it shows that there is an error on my account. There is a customer service number listed but when I call, I only get the signal indicated the number does not exist.
Consumer complaint received 2024-05-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (WI)

I am sad to say I am the victim of a scam that originated with an email notification referring to a requested payment in PayPal on XX/XX/24. On XX/XX/24 I logged into my PayPal account and called the phone number shown as the number to call to report I did not do business with the person shown. The person who answered represented himself as a member of PayPal customer service ( XXXX ). 

I did what I later figured out I should have never done. I allowed the person to access my computer where I was told to log into my bank, where the charge showed as being subtracted from my bank account. He was going to correct it, but a larger charge appeared showing I had been paid too much. 

The scam was well underway. I went to my bank and withdrew {$15000.00} which I deposited in a XXXX  matching machine, using the QR code he provided. Of course, my money is gone, Your organization is likely aware of this scam, but I just wanted to report it, in hopes that more warnings can go out describing the scam, I am XXXX XXXX XXXX and sadly was too trusting, I did call XXXX and have them delete the account that was set up, using my driver 's license. I also secured my bank account so my remaining funds could not be accessed. I also took my computer in to have the remote access and any other malware removed. I just pray that these people will be caught and stopped. 

On XX/XX/24, the day after they stole my money, I received a call from the gentleman. I had blocked his phone number, XXXX at ( XXXX ), so it went to voicemail. The call location says XXXX, NY. 

He actually left a message that he needed me to call him so he could close out his report. WOW is all I can say. I guess he wanted to see if he could scam me out of more money.
Consumer complaint received 2024-05-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: W&A Intermediate Co., LLC (MD)

The below was reported on my credit report lowering my score by XXXX XXXX. I did not receive any notification from the company of the debt. Even further, the debt is from medical bills that were covered by my insurance company. If the company contacted me, XXXX could have provided the needed info and asked them to contact my insurance company. Instead, I am spending time trying to fix my credit score. 

XXXX Alert Date XX/XX/2024 Balance Amount {$1500.00} Is Collection YES Open Date XX/XX/2024 Payment Status XXXX XXXX XXXX XXXX XXXX XXXX Status Date XX/XX/2024 Name WAKEFIELD & ASSOCIATES Phone ( XXXX ) XXXX Business Type XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX TN Zip XXXX
Consumer complaint received 2023-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (GA)

Beginning in 2020, during the height of the pandemic, Citibank has repeatedly decreased my card limit on my three credit cards I currently have active with the company. One card 's limit was reduced more than 40 %, thus drastically affecting my credit score due to my credit utilization rate increasing. Shortly afterwards, my two remaining card 's limit were also reduced and the reasoning was due to my credit score ( which only dropped because of the credit limit decrease of the first card ). I've experienced limit changes more than 5 times in two years. I recently requested a payment extension due to a loss of income and hardship and was told Citibank does not offer any type of payment arrangements or deferments whatsoever.
Consumer complaint received 2023-03-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Consumer Collection Management. Inc (MO)

On XXXX XX/XX/2023, I received a debt collection letter in the amount of {$41.00} from Consumer Collection Management , InXXXX, regarding a XXXX XXXX account for a bill from XXXX XXXX XXXX XXXX. I became aware of the bill on XXXX XX/XX/2023 and paid it within 30 days. The bill for {$41.00} was paid directly to XXXX XXXX thru their online payment platform on XXXX XX/XX/2023. XXXX XXXX acted careless when they failed to update my account status to show the bill was paid. Consumer Collection Management , Inc. is attempting to collect a debt for a hospital bill that was already paid.
Consumer complaint received 2022-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CLGF Holdco 1, LLC (IL)

I'm XXXX and was a member of XXXX. I was advised to attend until fully vaccinated. I called, explained, and was disenrolled over the phone from an associate within XXXX in XX/XX/XXXX. I received vaccine XX/XX/XXXX and XX/XX/XXXX, and have not yet gotten a chance for the booster. On XX/XX/XXXX, XXXX began charging XXXX monthly fees to my credit card while sending advertising emails for me to sign backup for new/ reenroll membership. The credit card that PF fraudulent stole money from only had a credit limit of {$300.00}. I now owe {$600.00} due to fees and limit charges.
Consumer complaint received 2020-07-30
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Merchants Credit Corporation (WA)

Comapny name merchants credit in Washington state continue to threaten me and family .By send representative to my house and threatened my minor son who is XXXX XXXX if he doesn't call his father now.Threw papers at him since he didn't understand anything .This company merchants credit continue contact me even after i told them to stop.It was medical bill around {$1800.00} dollars That was due to an accidents another party hit me and i advised XXXX XXXX XXXX the original creditor that my injury attorney is working on it .XXXX advised me that merchants credit association is no longer their collection agency and they are not using because of repeated abuse and complaints.Merchants credit association and to threaten to sue me and harm my family to collect the bill .I told them several times to stop.Still continues to threaten by phone thru mail in person and thru credit reporting .This abuse need to stop.
Consumer complaint received 2022-03-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO. (OH)

I have new and update information pertaining to this account. According to 15 usc code 1666b there are billing error JPMCB is reporting late payments. Also, if a finance charge where included it shouldn't be no late payments 15 usc 1605 ( a ) finance charge because that's the sum of all charges so you can't penalize me for something paid in full. 15 usc code 1681e ( b ) which is maximum possible accuracy. which JPMCM has fail because of inaccurate reporting late payment.
Consumer complaint received 2022-03-02
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. (SC)

There are two ER bills on my credit report with Transunion that should not be there, because my income was {$0.00} for three years from being so sick, and these bills should have been paid with the charitable funds available to these hospitals. I have disputed these bills for years, and they remain on my credit and harm my ability to rebuild now that I am BARELY able to work again. I am denied all social services, because these two hospitals provided me a DISSERVICE, and not a service. They left me in XXXX XXXX XXXX and denied the diagnostics, even with images of my XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, and that I have XXXX XXXX XXXX XXXX XXXX  XXXX in my XXXX. Their malpractice is DESTROYING my health and my life. 

Transunion is allowing them to also destroy my credit. Transunion said they were removing the collections, did not, and then put it back on my report.
Consumer complaint received 2018-05-07
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. (OR)

I am trying over the past 10 years to improve my credit report. They just dropped my fico score by 9 points, because two accounts had aged out. this changed the age of my credit history. I think it is a scam to keep people from having high scores. This way the banks can charge you a higher interest. I contacted my U.S senator and they told me that they had much bigger problems to work on.
Consumer complaint received 2022-11-03
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. (NC)

The Creditor failed to address the issue or even correct the problem. They are not following the Federal Emergency Guidelines laid out by the Cares Act. They need to remove my 2 late Payments on file as I was offered an accommodation to help me during the pandemic. The " Accommodation '' was the removal of my late payment fees.

Section 4021 of the CARES Act amends the Fair Credit Report Act ( FCRA ) to address coronavirus-related accommodations made by furnishers. New FCRA 623 ( a ) ( 1 ) ( F ) requires a furnisher making a COVID-19 related accommodation on a consumers loan account to report the account as current unless the account was delinquent prior to the accommodation. 

On XX/XX/XXXX, the CFPB issued a policy statement highlighting furnishers responsibilities under CARES Act section 4021 and informing consumer reporting agencies ( CRAs ) and furnishers of the CFPBs flexible supervisory and enforcement approach regarding compliance with the FCRA. The CFPBs recent compliance guide seeks to clarify the information in the policy statement by addressing common issues concerning the provisions of Section 4021 :