davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-28
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 — Investigation took more than 30 days
Company: PHH Mortgage Services Corporation (FL)

My original mortgage was with a company called XXXX. I have had this mortgage since XX/XX/XXXX.  XXXX was merged with a company called PHH, and beginning on XX/XX/XXXX PHH took over. This new company began reporting information to all of the credit reporting companies on problems I encountered years ago, XX/XX/XXXX-XX/XX/XXXX. The first was past due on accounts, which wasn't true. I contacted both mortgage companies, and they withdrew that notification.It has been removed from my credit reports. Now, PHH has notified the credit reporting companies that my loan was " modified ''. Yes, it was, in XXXX. They are reporting this again, even though XXXX had done so, when it took place. After 10 years, it dropped off the reports, and now thanks to PHH, it is back on again. This has caused my fico score to drop, my credit limits have been reduced and it should not be on the report to begin with since it was so long ago. I am sure I am not the only home owner that went through loan modification during the real estate meltdown. I worked very hard to recover and improve my credit scores, only to have them destroyed by this company for no reason.Help!
Consumer complaint received 2019-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XXXX XX/XX/XXXX {$36.00} XXXX XXXX XX/XX/XXXX {$160.00}
Consumer complaint received 2022-11-19
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. (CA)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Balance : {$450.00} ; XXXX  XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$1600.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$210.00} ; XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$190.00} ; XXXX  XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2015-03-26
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (DE)

Ordered a XXXX credit report and scores from XXXX ( Experian ) .They only gave me XXXX score and XXXX report from Experian. They said there was an error in getting the other XXXX scores & reports. I paid them {$49.00}, & they will not refund my money. It was paid with a Visa card
Consumer complaint received 2020-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (ID)

RE : Discover Dispute Case Number:XXXX Dispute Amount : {$58.00} Discover Card is refusing to credit my account for items that were returned to the merchant XXXX on XX/XX/XXXX and XXXX, 2020 XXXX authorized the return of a damaged electric frying pan and sent a replacement that was also damaged. 
XXXX authorized the return of the damaged replacement. 
XXXX arranged for and had both items picked up by XXXX. XXXX XXXXs own website shows the items were picked up. 

Although both products were delivered to XXXX on XX/XX/XXXX and XXXX, 2020, XXXX failed to record the return of the replacement item and failed to issue a refund to my Discover Card. 
Due to XXXX XXXX non-existent customer service, I was forced to initiate a dispute of the charge through Discover Card in XXXX. This failed to resolve the issue In XXXX I filed a separate complaint with the XXXX against XXXX. 
XXXX finally acknowledged receipt of the 2nd item on XX/XX/2020 and instructed Discover to resolve this dispute in my behalf. 

I provided Discover with all the necessary proof they requested ( copies attached ) in the format they specified including ; o XXXX dated proof of pickup receipts for both items with XXXX XXXX delivery address o XXXX dated proofs of delivery of both items to XXXX XXXX dock o Screenshot of my XXXX account showing items had been received. 
o Copies of correspondence from XXXX agreeing to resolve the dispute in my favor Discover has failed to consider these recent developments and has failed to contact XXXX on my behalf to resolve the dispute. 

Discover Card is ignoring conclusive evidence and ignoring XXXX 's instructions to resolve the dispute in my favor Discover refuses to credit my account in spite of the conclusive evidence that both items have been returned and XXXX XXXX instructions to resolve the dispute in my favor Neither I nor XXXX believe I should have to pay for an item I returned. 

I require Discover to remove the charge of {$58.00} from my Discover Card account. 

XXXX XXXX
Consumer complaint received 2021-03-09
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. (AR)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : ( XXXX ) XXXX RE : Account # XXXX Hey guys, I was going over my credit report and I wanted to get an account validation. 
Im in the process of getting my taxes and things in order and this is just something that I feel needs to be taken care of aswell. 
I am exercising my right to request validation on any debt that is alleged to me. 
In this climate of data breaches and such, I just need to be absolutely sure that none of my data has been compromised and used without my authorization. 
Im basically asking that you provide me with competent evidence that I personally have a legal obligation to pay you and that you are actually who you say that you are as well. 
When your offices provide the proper documentation as requested in the following declaration, I will need about 30 days to investigate this information. During such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Im not looking to have you verify my name and address. Im actually looking for a few specific details and I will go ahead and list them below. XXXX
Consumer complaint received 2023-06-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (UT)

My wallet was stollen and when this happen the thieves tried to cash a check ( to my name ) using my ID and credit card associated with wells fargo. I had already turned off my cards at this time because I suspected it was stollen. A bank teller at Wells Fargo allowed the thieves ( who look nothing like my ID ) to process this check. It was then returned and charged to me a few days later. ( {$2500.00}. ) Which is now leaving me fighting Wells Fargo and out my {$2500.00}. 

Wells Fargo keeps dismissing my claims because they said the people ( Thieves ) had the correct forms of ID to process this check. ( Again, though they don't match the ID or description and my cards were turned off for stolen at this time. ) I am incredibly frustrated as I have been fighting Wells Fargo for nearly one month at this point and would like my money back as it was due to the incompetence of one of their employees this was processed in the beginning. 

( I have filed numerous police reports, have detectives working on the case, and have surveillance footage of the thieves. )
Consumer complaint received 2022-05-13
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I submitted a FTC dispute letter and proof of identity to Experian XXXX and XXXX on XX/XX/2022, they received this information on XX/XX/2022 and I have yet to be informed about the status of the accounts in question. According to the FCRA these fraudulent accounts should have been removed from my credit report within 4 business days and I actually allowed them 5. The accounts are as follows XXXX XXXX {$0.00} Balance, XXXX  XXXX  {$0.00}, DEPT OF EDXXXX {$4500.00}, DEPT/ED XXXX {$8100.00} , DEPT/ED XXXX {$2900.00} XXXX Included below is my FTC Report, Dispute letter to each bureau and the method I sent it, over night for XXXX and Experian and via fax for XXXX
Consumer complaint received 2020-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSWORLD SYSTEMS INC (TX)

I recently received a delinquent inquiry flagged on credit report on XX/XX/XXXX in the amount of {$780.00}. It was from a presumed XXXX account from Transworld. I contacted Transworld because I had no knowledge of the account. Transworld informed me it was from a XXXX  XXXX  account. I contacted XXXX  XXXX  and they informed me that the account was from XXXX XXXX and was under another name ( not mine ) but it was my social security number attached to the account. I informed them that I had no knowledge of this account from XXXX and never received any notifications during the time frame up until now with it hitting my credit in delinquent status. I was told by a representative I would have to report as fraud though my local police department before and if anything could be done and I was also advised that I could file a complaint on the XXXX  XXXX  cite through the email portal. I have reached out twice via that portal and have not received and feedback or call back regarding this issue.
Consumer complaint received 2020-12-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MA)

On XX/XX/2020 I registered my daughter for the XXXX XXXX XXXX XXXX scheduled to take place on XX/XX/2020. I paid {$420.00} for the camp via one of XXXX websites, XXXX ( see attached [ XXXX XXXX XXXX ] ). 

On XX/XX/2020 XXXX XXXX cancelled the in-person camp and moved it online ( see attached [ XXXX XXXX XXXX ] ). XXXX XXXX gave the option to move to an online camp, but no option for refund of the service they were not going to provide. 

On XX/XX/2020 I declined XXXX XXXX offer for the online camp ( see attached [ Online Camp XXXX ]. 

On XX/XX/2020 I initiated a chargeback against XXXX for {$420.00} since XXXX XXXX never provided the in-person camp I paid for and did not issue a refund. 

On XX/XX/2020 XXXX XXXX of XXXX via email asked me to confirm that the {$420.00} charge was accurate, and to sign a letter of non-dispute. I responded that same day declining to do these things. Again on the same day XXXX XXXX responded back Thank you for letting us know. This entire email thread is attached [ XXXX email XXXX ]. 

In their response to Citibank regarding the chargeback, XXXX claims Cardholder likely did not recognize the charge. Despite multiple emails and phone calls, cardholder has not responded. ( see attached [ Citibank dispute resolution.pdf, page 3 ] ). This is a lie. As the email chain referenced above shows, I responded to XXXX and they acknowledged my response. Additionally in the documentation XXXX sent to Citibank, XXXX also included a copy of these emails ( see attached [ Citibank dispute resolution.pdf, page 6 ] ), further evidence of XXXX lie. 

On XX/XX/XXXX, believing XXXX 's lie, Citibank closed the dispute. 

On XX/XX/XXXX I send Citibank a letter and attachments via Priority Mail detailing the above asking them to reopen the dispute ( see attached [ Reopen dispute letter.pdf ] ). 

On XX/XX/XXXX Citibank responded ( see attached [ Citibank investigation closed.pdf ] ) that they received the letter too late and could no longer assist me.
Consumer complaint received 2023-09-11
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: M&T BANK CORPORATION (CA)

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show correct payment history. Update the account/s below : XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCF Intermediate Holdings LLC (MS)

On XX/XX/2022 I had a inquiry to come on my XXXX account that I have any knowledge of. The inquiry comes from a company called cash central. I reached out to the company and they could not find my info anywhere in their system. I have never tried to take a loan out with them and do not have any open installments with them. Someone has accessed my info and tried to take a loan out in my name.
Consumer complaint received 2020-12-21
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A. (MD)

Well I have been working with POC listed below XXXX XXXX on this refi request with PNC. It was started in XXXX/XX/XX/2020 and we are now in late XX/XX/2020 for an ERRL, that is still not completed? It is Going on over 6 months now. I have an existing VA mortgage with PNC and they have not done anything after calling several times. 
It has been a waste of my time. 

Reference Number : XXXX PNC, XXXX XXXX XXXX, XXXX, PA XXXX ; pnc.com XXXX XXXX  XXXX Mortgage Loan Officer Home Lending Center NMLS # XXXX
Consumer complaint received 2019-04-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (NJ)

During the process of taking a mortgage for my apt purchase, Chase mortgage representative offered my a incentives to close on the mortgage. one of them was getting {$500.00} when 1 do 3 things 1.  Open a Checking account with Chase 2. Paperless mortgage statements 3. auto debit the mortgage payment from that account In the email I received from the banker with the details, there was no mention of a time frame to open this account within to qualify. Based on the benefits, I closed the mortgage with Chase. When I tried to open the account 8 months after closing, after 10 calls, Chase lets me know that I am not eligible as the time frame to qualify is only 60 days. They also let me know that they cant do anything as the banker who closed the loan with me is no longer with the firm. 

The XXXX cash bonus was one of the reasons I opened my mortgage with Chase and they not honoring what was offered makes me feel cheated. 

Not attaching mail proof as I have details on the mortgage. but have shared the mail with JP morgan. I can attach if needed
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I ADVISED THAT MY INFORMATION WAS LOST DURING THE RELOCATION OF MY TAX PREPARER. I WAS TOLD TO CONTINOUSLY MONITOR MY REPORT. I RECENTLY PULLED A COPY OF MY CREDIT AND I SEE ACCOUNTS THAT I HAVE NO KNOWLEDGE OR HAVE AUTHORIZED. I ALSO NOTICED CREDIT INQUIRIES FROM XXXXXXXX XXXX XXXX XXXX XXXX, AND XXXX THAT I HAVE NOT APPLIED FOR I CONTACTED XXXX, EQUIFAX, AND XXXX VIA PHONE AND BY MAIL ADVISING OF THE FRAUDULENT ACCOUNTS BEING REPORTED TO MY PROFILE. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN CONSENT, REPORTING THIS INACCURATE INFORMATION IS IN VIOLATION OF 15 USC 1681B ALSO FURNISHING ACCOUNTS RESULTING IN IDENTITIY FRAUD IS IN VIOLATION OF 15 USC 1681 C-2
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

Identity Theft! There are accounts in my credit report that are not mine. I do not have a record of doing business with these companies. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my SSN Card.
Consumer complaint received 2019-04-30
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. (UT)

XXXX and Transunion are reporting an incorrect coding of the XXXX partial account number XXXX. This account is being coded as an M5 when actually this needs to be coded as an M1. ( Please see pages 11 and 12 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act.. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2018-04-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (OH)

I am in receipt of your companys letter informing me you are handling the collection of the account mentioned above. However after reviewing my records, I am unable to find any documentation of any contractual relationship between XXXX XXXX XXXX. and myself, XXXX XXXX which makes you a person entitled to enforce a commercial claim against me. This is not a request for any verification or validation.

This is a request for proof of contract, to substantiate your claim. Therefore, provide me a certified copy of the original contract, with my signature, specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public who duly swear the copy made is in fact a copy of the original paper contract in question.

Your failure to respond and provide strict proof of contract will constitute your tactic agreement that XXXX XXXX XXXX XXXX XXXX are not entitled to enforce a claim against me. In the event you continue your collection efforts against me without providing proof of contract, I may do one or more of the following : 1. File a complaint with the Attorney General. 2. File a complaint with the FTC, 3. File a lawsuit against you in U.S. Courts for Harassment, fraud and invasion of privacy and attempt extortion.

You have 30 days to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist all collection effects and immediately remove my account from your office database. In the event you transfer this account to an attorney without providing proof of contract, he will be immediately reported the STATE BAR ASSOCIATION and the PROFESSIONAL LIABILITY FUND for code of ethics violations.

Please check the age date on this account. Look up DOLA ( Date of last activity ) and see the Statue of Limitations by Law makes this account unable to be collected. Please Cease and Desist all collection efforts and communications. You may inform me that this account has been removed from your office files and records as requested within the 30 days.
Consumer complaint received 2022-05-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

In XX/XX/2022 I requested a balance transfer involving Citizens Bank. On XX/XX/2022, Citizens approved my request for a balance transfer but unfortunately sent the funds to an account that does not belong to me. On XX/XX/2022, I informed Citizens that a mistake had been made and that money had been transferred to an account that does not belong to me. During that call I was informed that the issue would be resolved in 3 to 5 business days. Despite numerous phone calls to Citizens, the issue has not been resolved. In late XX/XX/2022, I received a bill from Citizens informing me that I owed the bank the money that I had requested in the balance transfer. I reached out to Citizens on multiple occasions concerning this matter, and, to date, the transfer of funds never reached me. I am disputing that Citizens is requesting payments for money that I never received.
Consumer complaint received 2019-04-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I told Bank of America that I must have a lower monthly payment because of reverses in the stock market and because I have limited means from my Social Security funds! The bank cruelly refuses to help me out a citizen of advancing years with serious medical problems! The bank is being brutal! 

I have dutifully paid each and every monthly car loan payment of {$770.00} ON TIME!