davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-23
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: SANTANDER HOLDINGS USA, INC. (FL)

On XX/XX/2022 there was an inquiry reported from SANTANDER CONSUMER USA that I did not authorize. 

On XXXX there was an inquiry reported from XXXX XXXXXXXX XXXX that wasnt authorized by me. 

On XXXX there was an inquiry report from XXXXXXXX XXXX XXXX that wasnt authorized by me. 

On XXXX there was another inquiry report pulled from XXXXXXXX XXXX XXXX that wasnt authorized by me. 

On XXXX another inquiry report was pulled by XXXXXXXX XXXX XXXX that wasnt authorized by me. 

On XXXX an inquiry was reported from XXXXXXXX XXXX XXXX that was not authorized by me. 

On XXXX there was an inquiry reported from XXXX XXXXXXXX XXXX that wasnt authorized by me. 

On XXXX there was an inquiry reported from XXXX XXXX XXXX XXXX  that was not authorized by me. 

Ive contacted each of these financial institutions explaining that it was not me and the reports are still on my report.
Consumer complaint received 2023-06-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: FIFTH THIRD FINANCIAL CORPORATION (TN)

They said they said they sent legal documents from like 7 years ago to my residences then gave me locations that I didn't even live at. Then said well there is also another person on the account and of you settle for half the amount full amount was almsoylt XXXX that they would write me a letter and go after the other person instead then said if I pay by Tuesday I can pay only XXXX instead of XXXX, would not provide actual proof of the debt from the bank listed anything I questioned they would just get rude and hang up then said well since you know everything we will just sue you I asked for actual proof even contacted the old bank and the collections department they said it is a scam, he said if we are suing you we don't have to give you proof of the debt!! Person name was XXXX XXXX with XXXX out of ca then next time I called he said he was with XXXX XXXX XXXX
Consumer complaint received 2021-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NJ)

i've sent a letter to every creditor stating that i need validation of each debt to only be sent a bill. a bill is not validations. the definition of validation in commerce is ''to assess an action '' so I'm requesting validation under 15 usc1692g all i want is something in writing containing the 5 things required under 1692g. also if there were any competent witness i demand the debt collector to produce them. if the debt collector does not provide me with all 5 requirements that i requested under 15 usc 1692g they are in violation and owe me {$1000.00} per individual action pursuant to 15 usc 1692k and i demand removal of all negative account on my credit report.
Consumer complaint received 2018-12-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (VA)

I applied and received a mortgage with PNC in XX/XX/2017. I was told I HAD to have an escrow account with PNC. My first concern about PNC occurred when I had issues with my house insurance. I had received letters from my insurance company that the insurance payment was due. First I paid the insurance and then I contacted PNC. PNC advised me PNC would sent the payment via regular US mail. The insurance company finally received PNC 's payment. Then the insurance company sent my payment back. I am used to making electronic payments before the due date. I believe PNC should do the same. To me this issue was scary. And it really annoyed me when PNC explained there was a 1 month grace period so I had nothing to worry about. 

My new issue occurred in XXXX and it is how PNC collects my escrow. PNC overcharged me {$1100.00} in escrow and sent me a check. In my opinion, PNC had an interest free loan. Then PNC is going to increase my escrow account. So I contacted PNC and requested that they apply the check to my escrow account which will lower my escrow payment. PNC said no. 

It bothers me that I had to pay my insurance and escrow PNC 's way. PNC 's business model makes gives them an interest free loan. To me there is no incentive to be fair to the mortgagee.
Consumer complaint received 2018-12-21
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: Experian Information Solutions Inc. (NY)

On XX/XX/2018 after obtaining my credit report I contacted Experian Credit Reporting Agency via phone call regarding inaccurate information on my  report. Errors such as variations and misspelling of my name, addresses that belong to family members that i have never resided with and addresses i have no association with at all. In addition to inaccurate and outdated remarks, payment statuses and history on accounts that have been included in a bankruptcy that has been discharged, i also found unauthorized inquiries. The first representative i spoke to advise me that they do not investigate inaccurate information and i needed to contact the federal trade commission. I asked to speak to someone in a higher department who than said that some of the information can be disputed but not all. After some back and forth she agreed to transfer me to a department that handles disputes and was going to take care of my concern after she places a security fraud alert on my file. I resisted and she insisted that was the only way to dispute the errors and transferred me to a representative who than informed me that a security fraud alert has been placed on my report and that i needed a police report and i can not file a dispute. I ask to speak to a manager and one wasn't available although i was willing to wait how ever long.
Consumer complaint received 2018-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CO)

1. My wife and I and our businesses have XXXX accounts with Wells Fargo. One is an XXXX ( XXXX XXXX account in Colo. ), 2 are mortgages, 5 are personal savings and checking and XXXX are business accounts for various corporations and partnerships.

2. After noticing that the checking ( account # XXXX ) and savings account linked to one partnership ( XXXX XXXX ) had failed to receive funds, we began researching and founds that Wells had closed the account. We called Wells and they confirmed the accounts had been closed and a check was sent to me on XXXX XXXX. It is now XX/XX/XXXX and no check has been received. The total between the two accounts is about {$31000.00}.

3. I received phone messages ostensibly from Wells on XX/XX/XXXX and XXXX and returned them on XXXX XXXX, at the number given in the messages. The person answering the call asked many questions - username, birthdate, account number, debit card number - after answering these I told the person I was uncomfortable as this could be a phishing scam. They said to call the number on the back of my debit card. 
4. I called the number on the back of my debit card, and was advised that Wells had not tried to reach me, the calls were probably a phishing scam and to monitor my accounts closely.

5. I then called the number on the website to ask about the status of the {$31000.00}. They were unable to answer any questions and recommended I call yet another number. I called that number and a recorded message said to leave a message.
Consumer complaint received 2018-12-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (IN)

They closed my account after 6 years of being a customer. I had a few disputes which were mainly this year because they sent me a recycled card and someone else was using but they turned it off before my husband could get his direct deposit. They also charged me humongous fees.
Consumer complaint received 2021-07-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

On XX/XX/2021 I mailed certified copies of my FTC report identifying theft that this account was included on This Report! To both The Original creditor XXXX XXXX XXXX Who Has Now SOLD THIS ACCOUNT TO A DEBT Collector Midland Credit Management who has done nothing but harass me and call at insane times of day/night and sends threatening letters to Sue Me over this Account that is ( Not Mine )!
Consumer complaint received 2021-07-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (GA)

Hello, I'd like to escalate an issue that I've been dealing with since XXXX. 

I posted my XXXX payment through your portal on XX/XX/XXXX. I received a message that it was posted on my account on XX/XX/XXXX. I was alerted on XX/XX/XXXX that the payment did not go through, and was charged fees. 

I've called Customer Service multiple times with no solution to the issue. I spoke to a Supervisor on XXXX, and explained that I received a notification that the payment was processed on XX/XX/XXXX so I should not be charged any fees. I asked her to send me documentation showing the supposed incorrect payment being processed as well as documentation showing the NRF fee. She mentioned she would alert Loan Servicing to send. All I received was a fee schedule, which itself is inconsistent. I called her extension to follow up on XX/XX/XXXX and XX/XX/XXXX with no response. In various of my customer service interactions, there have been inconsistencies with information that is concerning. 

I've consistently provided payment either early or on time, and this experience has been very disappointing. This incident is concerning and has led me to question the integrity of your company. 

I'm happy to provide any additional information to waive the fees charged to my account. 

Thanks, XXXX
Consumer complaint received 2022-07-09
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: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXXXXXX Account # # # # # # # XXXX, XXXX XXXX  Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

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 an account without my written instructions
Consumer complaint received 2023-08-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Ive addressed the fact that XXXX XXXX  has been continuously re aging an account that they purchased. The company also continuously reports this COLLECTION account as an open line of credit with a past due balance, however collection accounts should never be reported as an open account with a balance because legally its already past due and there is no agreement between me and the company. Ive tried resolving the issue with all 3 of the bureaus, the company itself as well as your company and its still reflecting as a reaged account which is effecting my credit.
Consumer complaint received 2019-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO. (IL)

I received an unwanted credit card from Chase. When I contacted them, they immediately began to treat it as fraud. I suggested they look internally rather that externally for the origin of the card, as it is against the law to send credit cards that have not been requested. That suggestion fell on completely deaf ears. This the second time Chase has mailed an unrequested card to our family.
Consumer complaint received 2018-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: HSBC NORTH AMERICA HOLDINGS INC. (CO)

This complaint is in conjunction with complaint XXXX. Initially I was unable to use my card for several months upon credit approval. Several attempts to contact hsbc and several hours of being put on hold and hung up on lead to my initial complaint.

Now, I have completed the online banking months ago as well to manage my account. HSBCs initial classificationof my account has caused me not to have the ability to log on, I have also stopped receiving paper letters in the mail showing me my statement. Since opening I have made one payment over the phone for the complete balance. However now I do not know the remaining payments or due dates which is preventing me to make my payment and ensure I have a XXXX  balance. 

I hurt my credit by opening this account with the intention of using rewards points, benefiting from the annual match of points, using my rewards points, and benefiting from the 0 % transfer. 

I was forced to open an additional card to perform the balance transfer, further harming my credit score. I am unable to use my rewards points because I can not log online. I have been prevented from using my card for several months limiting the benefit I would receive in rewards points and more importantly the annual match. I can not make a payment on this account due to unknown balances which I have never had a late payment and am afraid this may occur due to the mismanagement of opening this account. 

In addition to the hours spent already in the aforementioned complaint I spent additional hours trying to fix my online banking issues. I have attempted several days to contact customer service and resolve this issue. They continue to transfer me from to different departments until I drop from the conversation. Attached are additional documents of me attempting to open my online activity. 

In the aforementioned complaint HSBCs response rewarded me with {$100.00} in rewards points. This is an inadequate amount based on the harm this experience has caused to me credit score and the inability to use the benefits of the card which is why I opened it. Additionally, I can not use any of the rewards I was provided because I can not log on to my accounts although several customer service agents confirmed I opened my online accounts correctly.
Consumer complaint received 2018-12-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (PA)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 60 days late as of XX/XX/2018 90 days late as of XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2023-03-13
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. (TX)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-06-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I have tried getting an answer from Citizens Bank, despite my wife and I being current customers of the bank regarding a promotional offer we were supposed to receive a {$300.00} bonus per the terms of this promotional offer. This {$300.00} bonus was supposed to be deposited into our checking account by XX/XX/2023 but we still haven't received it. When I tried contacting XXXX XXXX from Citizens Bank in XXXX, MA, Im still not getting any response as to what the reason for the delay is and if/when we can expect to receive this.
Consumer complaint received 2019-01-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

A credit card recovery firm obtained a Levy at the county level in NJ, and seized all of my savings in a joint savings account for an old credit card debt that my wife had before I met her WITHOUT ever notifying either of us, The money was simply withdrawn from my joint savings account without ANY prior knowledge, no opportunity to dispute the charges or negotiate payment terms whatsoever. I was never notified of a hearing or a judgement. This while my wife and I were actively paying down her debts and already improved her credit enough for her to finance a new car. The county gave this creditor preferential treatment and simply allowed them to take all of our savings. Be aware, your money is safer in your sock drawer than in any FDIC insured savings account.
Consumer complaint received 2019-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report. XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. I am doing this on my own behalf.
Consumer complaint received 2019-01-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC (NY)

Initial federal perkin loan was with XXXX XXXX university for {$2100.00}. repayment start on XX/XX/XXXX and is paid periodically to a remaining balance {$1000.00}. Letter was received in end of XX/XX/XXXX for collection. However, I am unable to make payment to XXXX due to XXXX University changes its service provider. I had contact the new provider XXXX XXXX in middle of XXXX but they do not have my account and there is no way to repay my loan. 

In XXXX, I received notification from fafsa saying one of my loan is defaulted, upon check NSLDS, my perkin loan is defaulted in XXXX. I had contact XXXX XXXX on XX/XX/XXXX and they do have all my contact info ( including phone/address/email ) but they can not do anything regard to the account because the account had pass over to XXXX XXXX XXXX. 

XXXX XXXX and XXXX University had made no attempt to contact me regard to my loan servicer, loan status or payment options. Now that the account had pass to XXXX XXXX XXXX, I am subject to default charge and fees.
Consumer complaint received 2022-07-09
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)

On XX/XX/XXXX I submitted my complaint to remove items from my credit report on all three Experian, XXXX, and XXXX Credit Bureaus which have incorrect and fraudulent information on there. 

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 2023-03-13
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: EQUIFAX, INC. (LA)

Please See Attached account disputes documents detailing inaccurate reporting practices on my consumer report that are violating my consumer rights and damaging my reputation and credit history in the eyes of creditors past and present. As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. INCOME DOES NOT GET REPORTED ON THE COSUMER REPORT, WHICH MAKES THIS REPORTING INACCURATE. By definition, the IRS clearly states, the charge off is income, the reporting of this account as inaccurate.

15 U.S. Code 6809 ( 4 ) Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution.
Consumer complaint received 2020-09-23
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: EQUIFAX, INC. (FL)

The purpose of this notice is to inform you that the following companies made unauthorized or fraudulently authorized inquiries on my credit report. According to the FCRA, I have the right to only have accurate information showing on my credit report. *XXXX, XX/XX/2020. These Inquiries were never requested as stated. I am not aware of these accounts/requests. I believe this to be Fraud. Please correct/delete this misleading information, and supply me with a corrected credit report within 30 days. Sincerely, XXXX XXXX