davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (AR)

According to the FCRA individuals should have access to credit reports online, Equifax has not allowed me access to my personal credit report online nor updated my information. ( See attachment ) their website has not been updated since the following date on the attachment. 
Equifax is reporting an address I have never lived at and swears that the address belongs to me. The following address belongs to an XXXX family listed with the XXXX County Recorders office or Assessors Office. The address they swear belongs to me is : XXXX XXXX XXXX XXXX XXXX CA XXXX. 

Due to the hardship and denial of several credit from fraudulent addresses reported without my permission this has caused me to be denied employment and licenses for skilled trade. 

I can login to an Equifax website but the information is incorrect. I contacted my attorney and have relocated to an entirely different state to disassociate myself from fraudulent address to continue to be a victim of fraud. ( see attached information )
Consumer complaint received 2023-03-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (VA)

My mortgage was taken over by Fifth Third Bank. The notification process was incomplete. They did not provide clear verification that they were indeed the new mortgage processor so it looked like a scam. 

Once I verified they had bought my loan, the only way to pay the mortgage was to enroll in other services with their bank. 

They do not have adequate or informed customer service representatives. It is all automated which makes it appear like a scam. 

They claim that I missed payments, and send mailed statements saying I owe more money but their online system does not show the same balance as the mailed statements again making the process appear like a scam and very confusing. 

The inability to pay without using more services, the inconsistency in the paper and online statements has caused late fees to be assessed which need to be removed.
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. (MD)

I discovered that some of the accounts on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that needs to be investigated and correct : XXXX XXXX XXXXXXXX Balance : {$630.00} XXXX XXXXXXXX XXXX Balance : {$700.00} XXXX XXXXXXXX XXXX Balance : {$450.00} XXXX XXXXXXXX Balance : {$700.00} XXXX XXXXXXXX XXXX Balance : {$240.00} XXXX  XXXX Balance : {$250.00}
Consumer complaint received 2020-07-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NY)

We have made our application for refinance our mortgage application almost 4 months before at Wells Fargo since we took mortgage from them as first time home buyer back at XXXX, 2018. The interest rate was significantly high 4.625 when current rate for refinance interest came down below 3.25. 

We advised our mortgage broker to refinance our mortgage ASAP submitted all documents in first shot. Hence Wells Fargo representative kept on asking same document again and again and giving blame to each other for delay in processing. Now it become very frustrating since we have been waiting for 4 months for a closing date and Wells Fargo correspondent with us is not proposing any closing date. In the mean while we didnt applied for forbearance and that made WellsFargo comfortable enough to keep on charging us the Mortgage on previous interest rate in Corona pandemic. 

Their regulatory and compliance is not supporting us as their customer and making us complete victim in present financial crisis.
Consumer complaint received 2020-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

late payment reported XX/XX/XXXX on XX/XX/XXXX my due date was changed to the XXXX for the next three payments I called on XX/XX/XXXX to ask if i can make the payment on XX/XX/XXXX without any negative reporting and i was assured i could and we scheduled it coaf rep gave approval and i relied on that information
Consumer complaint received 2018-04-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SUNTRUST BANKS, INC. (OH)

I am POA for finance for a friend in Florida, whose husband passed away in XX/XX/XXXX. I live in Ohio and am trying to gain access to SunTrust accounts into which my friends ' pension distributions have been deposited. My friend is sole beneficiary of her husband 's estate. My friend has XXXX and has been declared incompetent to handle her own affairs. My name is currently not on those accounts. The bank requested and received all documentation in XX/XX/XXXX that verify that I am POA, but the bank maintains that I must make transactions in person. At one point, a customer service person told me that I could add my name to the account ( and thereafter make transactions ) by sending hard copies of POA and other verification documents to a XXXX, VA post office box address. I did that, but have again been denied access to the accounts, despite verification that the documents had been received in XXXX. I have spoken to both the branch manager in XXXX, FL and various customer service reps over the last few months, and the executor of the will ( at another bank ) has also attempted to facilitate this. An elder care attorney assures me that the bank can not deny me access to the funds and can not insist that I only transact business in person. My friend 's living and medical expenses are piling up and accruing interest because of this delay. SunTrust claims that the " in-person '' policy is in place because they are using XXXX XXXX 's policies as an example.
Consumer complaint received 2022-08-26
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: Experian Information Solutions Inc. (IL)

I Unauthorized inquires on my credit report. That was not authorized by me. 


XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2020-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

late payment reported XX/XX/XXXX on XX/XX/XXXX my due date was changed to the XXXX for the next three payments I called on XX/XX/XXXX to ask if i can make the payment on XX/XX/XXXX without any negative reporting and i was assured i could and we scheduled it coaf rep gave approval and i relied on that information
Consumer complaint received 2020-07-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (FL)

False debt was added to my credit report by a vindictive landlord / property management company. They claimed I damaged the rental property before a move, this is a lie. They then added bogus charges and sent to collections to collect this fake debt.
Consumer complaint received 2020-07-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

To whom it may concern, This was about 2 year ago when I open an account with BOA. I was returning due to i received and offer for returning customers. You could get XXXX dollars for opening and account. 

I called their customer service on a Thursday or Friday. The representative took my information over the phone. I transferred XXXX from the other bank. 

So, I set up all my bill pay and notified my bank that I will be going to another bank. I woke up on Saturday morning and I tried accessing my online bill pay. I call the customer service only to be told my account was closed. They gave me the risk number only to be told BOA could close the account without notice. I didn't do anything illegal and the funds would be direct deposited from my employer. They told me I would be banned for life. I have been with BOA since 1991. If I haven done anything illegal why am I being banned? I work every day and a law abiding citizen.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or amend the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (PA)

At pnc bank, On XX/XX/XXXX my account overdrew {$13.00} so I went to the atm as soon as I could that evening and deposited {$10.00} which brought my account to - {$3.00} so I was relieved that I didnt get an overdraft fee since it was under the - {$5.00} rule. The next day I received an overdraft fee of {$36.00} so I called and spoke to a lady at pnc bank and she felt very bad and said she agreed with me and that she didnt think I should be charge and that she would do everything she could to help. But she said I was denied to have it waived so she requested a manager call me. I called again A couple times but nothing came of it. Talked to the manager the next day and she said there was nothing she could do and I was denied for a waive. I really feel that it was unfair to be charged when my account was only - {$3.00} which is under the - {$5.00} rule and now I am in a situation to where Im not able to pay it and Im going to get charged more until I am able to for something that wasnt completely my fault since I read the rules and it said I wouldnt be charged if Im under - {$5.00}. Please help.
Consumer complaint received 2018-10-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc. (GA)

XXXX XXXX XXXX has two collections on my file for the same item. I disputed it and not only is it still there..but they changed all the dates and balances. DOES ANYONE EVEN CHECK THESE DISPUTE RESULTS? XXXX XXXX account number XXXX was listed as a high credit of {$750.00} and a balance of {$750.00}. I disputed that this was the same account as their account number XXXX that showed a balance of {$5400.00}. 

The {$750.00} was the monthly rental on that property. Instead of removing the {$750.00}, they changed the balance to {$5400.00} so that NOW IT IS LISTED TWICE. So you have a high credit of {$750.00} and a balance of {$5400.00}????? And a high credit of {$5400.00} on the other with a balance of {$5400.00} ... XXXX add to this the open date is XX/XX/XXXX with the last activity date XX/XX/XXXX ( SEVEN MONTHS BEFORE IT WAS OPENED ) on one and last activity of XX/XX/2018 on the other. 

It is as if someone is just throwing numbers at the credit bureau and the bureau lists it no matter how ludicrous the numbers are.
Consumer complaint received 2018-04-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect (PA)

After many attempts to coordinate billing efforts with XXXX XXXX Hospital I  have called in to ask repeatedly, multiple times per year - for MANY YEARS - to assure that I have paid ALL of my bills, as XXXX/XXXX Hospital ( they used to be separate but now the have merged ) - this entity has a lengthy history of NOT notifying Patients/Clients/Customers of their bills, providing incomplete statements, providing services from unauthorized individuals ( read : blacklisted 'doctors ' who should be barred ), and fragmenting accounts, making it virtually impossible for Patients/Clients/Customers to pay bills in a sincere, deterministic, and reliable manner. This is one of MANY instances where I received a past due, or in this specific case a COLLECTIONS letter on an account after repeatedly calling in and doing a full accounting, requesting clarity of accounts and any/all bills due for my wife, my children, and myself. 

I am so sick of this - its just plain wrong. This has been going on for years!!! I have near perfect credit and that takes hard work and mindful presence. The processes of these companies violate this on that level ... 

Specifically, for THIS complaint I was NEVER notified of ANY due/bill/charge for the service reflected in the attachment, [ XXXX XXXX HOSPITAL account number XXXX dated activity XX/XX/2017 balance {$10.00} ] - This was apparently provided for my daughter in XX/XX/2017, which also seem to be a very short period of time to go into a collections process ... I would have thought maybe 90 days after a KNOWN bill, or 6 months after something like this - but it has not even been that long, its just more random awkward incorrect unprofessionalism. 

I am confident that someone from the CFPB can look into this and apply a corrective action to prevent, or at least minimize this from happening in the future. 

In addition I will be opening another complaint specifically again XXXX   hospital for their inconsistent charges, whereas they provide services to Patients/Clients/Customers at one of their own 'owned/affiliated ' facilities for one price, and the same services at another, often for 3 to 4 times the cost - for the exact same service. 

Thank You.
Consumer complaint received 2021-06-10
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. (GA)

I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.
Consumer complaint received 2020-07-26
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

In Accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX has violated my rights 15 U.S.C 1681 Section 602 A States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2. It also State a Consumer Reporting Agency Can not Furnish a Account without my written Instructions.
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (NV)

I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or XXXX verification is unacceptable. I am requesting a reinvestigation and your Method of Verification.
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (NV)

I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or XXXX  verification is unacceptable. I am requesting a reinvestigation and your Method of Verification.
Consumer complaint received 2020-11-06
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AG AH LLC (FL)

I request your assistance to resolve a matter concerning an overpayment of our mortgage escrow account. There is a discrepancy between the mortgage loan amount that we have been paying to the actual amount being credited. As of today, neither the lender nor the loan service provider knows what happened to the $ XXXXmonth we have overpaid since XX/XX/XXXX. 

We noticed the discrepancy when we got a letter from XXXX XXXX  indicating that the it would no longer service the loan, which was held by ARC Home and to contact the new service provider XXXX XXXX. Exhibit 1 We contacted XXXX XXXX  to verify the change and were told the new payment was $ XX/XX/XXXXmonth. Exhibit 2 This came as a surprise since we have been paying XXXX XXXX  $ XX/XX/XXXX/month. Exhibit 3 We called XXXX XXXX  to discuss this matter, because XXXX XXXX  indicated that there was nothing they could do. XXXX XXXX  in turn told us to call ARC Home, because they were responsible for servicing the loan. 

We call ARC Home to inform them that their statement dated XX/XX/XXXX, which indicated Amount Due {$3000.00}, ( Exhibit 3 ) did not match the one shown in XXXX XXXX statement. Exhibit 4 Since XX/XX/XXXX, we have made numerous calls to ARC Home and got nothing but promises that the matter was under review. On XX/XX/XXXX, we were told by XXXX that he will discuss the matter with his supervisor and definitely would get back to us with a response. The case number he gave us is XXXX. 

We explained to XXXX that this money should have been going into our escrow account to cover XXXX property taxes due in XXXX. As of XX/XX/XXXX, there is an escrow balance of {$4200.00} when it should be {$8400.00} ( XXXX ). Exhibit 5 Today we called ARC Home again because we have not heard from XXXX, as he had promised. This time a XXXX told us that the matter was still under review and for us to wait a few more days for a response. We told her that ARC Home has had four weeks to resolve the matter, and meanwhile we have to come up with an additional {$4000.00} to pay for property taxes due at the end of XXXX. Therefore, we were going to report this matter to the Consumer Financial Protection Bureau and take legal action against ARC Home. 


Exhibits : 1. XXXX XXXX  Notice of Servicing Transfer 2. XXXX XXXX Next Payment Amount Due Statement 3. XXXX XXXX  Escrow Account Statement 4. ARC Home Mortgage Statement 5. ACR Home Statement
Consumer complaint received 2020-07-26
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: Mercedes Benz Financial Services (NJ)

- I have converted my lease vehicle into my own three months before lease end date. 

- Sales dealer accepted a deal for XXXX including tax and all remaining payments in my existing lease. This is how all deals work when you try to convert a lease vehicle into your own, the Sales office will provide a quote based on the current payoff amount of your car. 

- We agreed and bought a vehicle. 

- Now the problem is Sales Manager ( dealer ) failed to pay all my payments to my current lease instead he paid only two payments. He was saying the contract is written in that manner, I checked all my contract papers. It is nowhere mentioned that I'm converting my lease vehicle into new. And also there is no financial document to say what is my current payoff amount and how much the dealer agreed to pay the existing lease. 


- Initially they paid two payments, they didn't ask Benz Financial services to remove turn in fee and extra mileage. I have called multiple to remove that as well. 

- I felt I have been cheated in this deal by not providing proper information, one payment which I need to pay to their own financial company and also my own car itself sold to me as a used car with my knowledge.
Consumer complaint received 2023-04-01
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: JPMORGAN CHASE & CO. (FL)

I have an inquiry on my credit report from chase JPMCB on XX/XX/2023. I've contacted them in regards to the inquiry that I never authorized. I've also reached out to XXXX to remove this unauthorized inquiry with no avail.
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

In accordance with the fair credit reporting act 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 XXXXXXXX has violated my rights 15 U.S.C 1681 section 602 A. States 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 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under and open and consumer credit plan as late for any reason.