davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MI)

When I tried for Auto Loan in the month of XXXX received in correct or completely controversial or denial from most of the Credit union. The Credit Union did not update my personal information or lack of my information in their data base. This is due to the Credit Union anticipate / pay XXXX $ each month to update my information or might be provided in appropriate information about my Credit-ability. This Approach from all the Credit union made me fatigue because I have been paying my Credit card payments, Auto Loan and other Utility Bills in time without default even after voluntarily contact some of the Credit union like Equi-fax, XXXX XXXX did not provide right Credit ability or the report varies from one Credit union to others. At last Equi-Fax provided me a report that shows I am victim of identity theft and hence agencies place " fraud alerts '' in my file Who is responsible for this? Now a days there are significantly increasing Cyber Crime and could you please investigate on my behalf and take Stringent Action against the Fraudulent who theft my Personal information.
I hereby Authorize to take necessary Action against Fraudulent.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

Sent to : XXXX  CEO XXXX and Board of Directors ' Member, XXXX XXXX XXXX, I am writing pursuant to a very distressing and egregious culmination of my XXXX  Financial experience. One would surmise that I would be ecstatic that I paid off my XXXX this past XXXX XXXX. However, what I recently discovered has caused undue distress and angst about all the due-diligence I performed to successfully pay off my vehicle. 

Briefly, I purchased in XXXX a XXXX XXXX via XXXX XXXX until it was recently paid off in XX/XX/XXXX. I am writing to seek immediate resolution as I am stopping short of seeking legal remedies and accusing XXXX of abhorrent practices in your bankruptcy division. 

I had filed for a MD bankruptcy via a Maryland attorney in XXXX and my car was NOT included in the filing, by mutual agreement and my choice. I paid my XXXX XXXX XXXX monthly car payments, successfully completing the final payment in XX/XX/XXXX. Once paid off, I received XXXX email and written final confirmation correspondence which allowed me to obtain the Maryland XXXX XXXX release. No problem, right? WRONG! Last week, I accessed my credit reports only to discover it is listed on my reports as potentially negative!! Within the last 2 weeks, I even filed a complaint via CFPB, whose investigation received the same false reporting information from XXXX, all of which is egregiously false. 

Personally, I am a single, XXXXXXXX XXXX, still working, now left with a credit report showing absolutely false information. The most abhorrent thing is XXXX CAN NOT get a XXXX XXXX Bankruptcy Dept. assistance or customer service to address this matter. Everything is outsourced and is very stressful when trying to get someone to address this post-payoff matter! 

I am requesting mediation and resolution to this matter. Every day this inaccurate information exists on my credit is detrimental to my finances and these inaccuracies can destroy my future purchases. 

As of XXXX XXXX, XXXX, XXXX, XXXX, and Equifax are reporting : Accounts Includes credit cards, real estate loans and installment loans. This information is reported to the credit bureaus from your creditors. 

XXXX XXXX  POTENTIALLY NEGATIVE Account Info Account Name XXXX XXXX Account XXXX XXXX XXXX
Consumer complaint received 2022-04-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (PA)

On XXXX XXXX, 2021 Money was transferred twice via XXXX from my checking account at XXXX Bank XXXX XXXX ). Each transfer was {XXXX} for a total loss of {XXXX}. XXXX Bank 's investigation indicated that the transfer was made from my computer and there was no bank error. I did not initiate these transfers and no one else has access to my computer. I have used XXXX numerous times in the past and had no problem. I have been unable to speak with anyone at XXXX because it is not possible to reach a person by phone. 

I recently learned from a customer service person at XXXX Bank that the money was transferred to " XXXX '' at Wells Fargo Bank. I contacted Wells Fargo Bank today and was told that they would not give me any information and that my bank had to contact them. My bank said that they had closed my investigation and would not make this inquiry. Ultimately, they advised filing a police report, which I will do as soon as possible. 

My complaint s are 1 ) that I lost {XXXX} through a fraudulent transfer ; 2 ) that I was - and still am - unable to contact a person at XXXX to request information about the person or place where they transferred my funds ; and 3 ) I have received no assistance in attempting to trace the transferred funds. I do not believe that a company ( XXXX ) should be permitted to operate in Pennsylvania or anywhere else if that do not provide appropriate consumer service, such as a person to contact with problems.
Consumer complaint received 2024-03-09
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. (SC)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-27
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. (CT)

I have been trying to fix the charge off and account balance on my credit report I have requested validation as well as prove to the original contract and have not received any information all it states its updated I will like the account to be validate and the original contract I have asked if it couldnt be validate to please remove and for the last 6 months I havent received original contract car was total insurance company paid balance off
Consumer complaint received 2022-01-27
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. (NY)

Choose according to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2022-01-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (NJ)

I attempted to deposit a check drawn on a PNC account into my PNC account and was told the check was being put on a general hold. I received an email from PNC stating just that with no further information but to expect a letter in the mail stating why. I called PNC, the customer service rep told me they just need to verify that the funds will be covered. It is PNC to PNC, she gave me no reason as to why they could not verify funds in the account that check is being drawn on despite it being another PNC account. She said it could take five business day. I deposited the check on XX/XX/XXXX before XXXX. Five business days would be Tuesday the first, but they are holding until XX/XX/XXXX with no reasoning why.
Consumer complaint received 2022-01-27
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. (TX)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2022-04-11
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. (CA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX ( also known as 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 states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-10-15
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I saw an unidentified and fraudulent charge of {$7500.00} on my card at night time. I called the Bank of America fraud line right away, told them I do not recognize this transaction. They immediately blocked my card, sent me a new one with a new number. They did not remove the charge and said it takes upto 60 days for it to be resolved. They kept on charging interest and fee on it. I stopped using the card till this issue is resolved. They send me a letter saying that they were unable to resolve it as it was done by the guarantor. Its a charge I dont even recognize as its a place called XXXX  which I have no idea what it is. Dont know what to do about it
Consumer complaint received 2022-01-27
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: JPMORGAN CHASE & CO. (LA)

In early 2021, I closed all of my Chase accounts, including checking, saving, investment, credit card and mortgage accounts. I took this action because of consistently poor service. 

In XX/XX/2021, I received a Chase credit card bill for XXXX on an account that had been closed and paid off in full in early XX/XX/2021. I did not authorize this charge, I am not even sure what the charge was for and I had not been a customer of Chase for 6 months. 

I took the bill to the branch manager of my local branch, where I had done business for more than 20 years. I asked him to inquire about how this could happen, that a charge could be made on an account that was closed 6 months previously. I asked him to contact the Chase XXXX office and have the charge reversed. He was unsuccessful in getting further information from the credit card division and equally unsuccessful in getting the charge reversed. 

My house had been flooded in XX/XX/2021 and after this Chase matter came up, I was busy dealing with getting my house repaired and moving back into the house. A couple of months went by, with no action on this credit card bill. I did not pay it, because I hadnt authorized the charge and didn't owe it. In XX/XX/2021, I was notified by the credit bureaus that Chase had reported me for not paying a credit card bill and that they were lowering my credit rating by some XXXX points. 

There was no information on how I could dispute the Chase action nor appeal their action to lower a credit rating I had spent 50 years building. 

This is the result of you government people allowing banks and credit reporting agencies to get too big and not be accountable to anyone but their share holders. 

Where do I go to get this resolved and to get my credit history repaired for something that is not my fault and is the direct result of the size and arrogance of the 6th largest bank in the XXXX.
Consumer complaint received 2022-01-27
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (IN)

Navient continues to hurt my credit but not call to negotiate less predatory terms with a more knowledgeable adult. They continue to offer invasive solutions that will require speaking to commissioned employees every six months to 1 year. Based off these terms I will be rewarded with increased payments based off my success or time. Please put my private loans in your XXXX XXXX dollar predatory lending settlement and remove the negative reporting.
Consumer complaint received 2022-04-11
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: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Portfolio Recovery Associates Account : XXXX Amount : {XXXX} In accordance with the Fair Credit Reporting Act Portfolio Recovery Associates Acct # 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 604A Section 2 : It also states a consumer-reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (SC)

Best Buy Credit card closed my account on XXXX XXXX XXXX. I have never been late, and just recently used this card last month. They didn't give me any warning about closing my account. I try to used my card today and the it kept declining. I called best buy and they said they closed my account a few days ago. Best buy said my account is XXXX balance. I ask why did they closed my account if I was never late, have a XXXX balance and just recently have activity on the card. Best Buy operator said, " he dont know ''.
Consumer complaint received 2022-04-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (TX)

There is a discover balance on my account for the amount of {XXXX} with N/A as the payment history. My credit provider doesnt allow me to check the date so Im not aware of when it was placed on the account. I sent XXXX a letter to remove it and havent heard anything back since.
Consumer complaint received 2019-06-27
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. (MS)

The following accounts and Inquiries that appear on my Experian Credit Report are either reported in error or are a mistake in identity. Please mail to me the proper contracts with my signature that authorizes these accounts to be reported on my report. XXXX XXXX, {$2000.00}, Opened XXXX XXXX, XXXX. XXXX XXXX XXXX, {$5000.00}, Opened on XXXX XXXX, XXXX. XXXX XXXX XXXX  XXXX, {$2700.00}, Opened on XXXX XXXX, XXXX. XXXX XXXX XXXX, {$1500.00}. XXXX XXXX  XXXX/XXXX  XXXX, {$1600.00}, Opened on XX/XX/XXXX. XXXX/XXXX, {$5200.00}, Opened on XXXX XXXX, XXXX. Please remove the following name from my credit file, it is not my name nor alias - XXXX XXXX.
Consumer complaint received 2017-06-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (LA)

I HAVE APPLIED FOR A MODIFICATION AND WAS INFORMED THAT I WAS DENIED BY MY SERVICER OCWEN ON X/XX/17, I CALLED THEM AND COMPLAINED. THEY STATED THAT GUIDELINES JUST CHANGED THE PRIOR WEEK SO THEY WILL REVIEW THE FILE AGAIN. THEY SENT THE FILE BACK TO THE UNDERWRITING DEPARTMENT AND ON X/X/17 I RECEIVED THE EXACT SAME DECLINE LETTER, MY INVESTOR DOES N'T HELP HOMEOWNERS THAT ARE OVER 90 DAYS DELINQUENT. THIS MAKES NO SENSE AS IT TAKES 30 DAYS TO MAKE A LATE 30 DAYS TO GATHER THE NUMEROUS DOCUMENTS OCWEN REQUEST OVER AND OVER AND THEN THEY SEND THE FILE TO THE UNDERWRITING DEPARTMENT FOR A DECISION WHICH TAKES 30 DAYS. OCWEN PUTS BORROWERS LIKE ME OVER 90 DAYS AND THEN SAY THAT MY INVESTOR XXXX XXXX DOES GIVE MODIFICATIONS BECAUSE I AM OVER 90 DAYS LATE. THIS IS OUTRAGEOUS!!! I ASKED OCWEN THE SERVICING COMPANY IF THEY EVER SENT MY REQUEST FOR MODIFICATION TO XXXX XXXX MY SERVICER AND THE REPRESENTATIVE STATED I DO N'T KNOW, I ONLY KNOW YOU WERE DENIED NOW WHAT IS YOUR INTENTIONS WITH THE PROPERTY. IT SOUNDS LIKE THEY ARE TRYING TO FORCE BORROWERS OUT OF THEIR HOME SO THEY CAN RESELL IT TO THEIR FRIENDS " INVESTORS '' THAT ARE BUYING OUR HOMES BY THE BULK CENTS ON THE DOLLAR. HOW DARE THEY PREY ON THE WORKING CLASS TO BENEFIT THEMSELVES. I AM NOT GOING TO LEAVE MY HOUSE AND I AM NOT GOING TO BE VICTIMIZE BY CORPORATIONS LIKE OCWEN OR XXXX XXXX
Consumer complaint received 2022-01-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (CA)

U.S Bankcorp put us on a forbearance program when we struggled during the XXXX pandemic. We were notified that the forbearance was coming to an end and were offered a deferment option or a Streamline modification to our loan with an interest rate of 2.8 % in XX/XX/2021. The bank representative XXXX, informed me that this rate and program will still be available at a later date if I would like to take the final forbearance extension for another 3 months. I contacted U.S Bankcorp in XXXX of 2021 to request an end to the forbearance and was provided a Request for Mortgage Assistance application. I also was requested numerous documentation, employment letters, bank statements, letters of explanation, tax transcripts & tax returns. I was also requested to create paystubs on word for self employment that were consistent with the direct deposits from my business banking. After 8 weeks of providing documentation. I received a letter from U.S Bank my modification was denied and the only option being offered is a short sale of my property. The reason for denial stated my current housing ratio was below 31 %. I contacted U.S. Bankcorp and informed them they had made a calculation error as my current housing ratio is above 75 %. I also informed them that I was offered options just a few months prior. After further review the bank representative said that they had a computer glitch and a new modification application will be sent out to us to complete. Upon logging into the bank website the status has not changed.
Consumer complaint received 2021-05-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (NJ)

Hi My loan was serviced by XXXX XXXX XXXX and recently transferred to Flagstar in XX/XX/2021, I tried to remove the escrow account with XXXX before the transfer and now have to deal with Flagstar. 
I tried to apply to remove Escrow account for taxes and insurance and submitted the paperwork with Flagstar in end of XXXX and submitted all require documents and sent and received by the bank by XX/XX/XXXX. I called later in XX/XX/XXXX to inquire about status, Customer Service noted a ticket will be opened and issue will be resolved. I have not been contacted or notified about removing escrow account. I am not sure what is taking so long. No response and contact is very frustrating as home insurance is due and not sure if I need to pay or will the bank pay via escrow. I would like a status and when my escrow removal applications will be processed.
Consumer complaint received 2021-05-17
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. (GA)

I have been a victim of IDENTITY theft ... ... I submitted all the proper documents to all 3 bureaus previously ... .this account on my reports was removed previously as it was found to be fraudulent and now it was re-inserted for no reason ... .these credit bureaus are crooks and they never follow the guidelines set forth by the FCRA ... they just operate in their own worlds and go by their own RULES. Both of the following accounts should be removed and deleted permanently from my reports. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$200.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX AMOUNT : {$3300.00} Reason : Account is fraudulent
Consumer complaint received 2019-01-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Halsted Financial Services, LLC. (ME)

Received a call from XXXX, from XXXX, ME. I returned the call, and it is Halsted Financial, located in IL, and I was informed by the rep the call was made by a rerouted number. I was informed this account was acquired, and I instructed the acccount should have been placed in a hardship status, as I have a household member going through XXXX XXXX. Rep stated that does not matter, as this is a collection account, and it is owed.
Consumer complaint received 2023-07-19
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: National Credit Adjusters, LLC (CA)

XXXX XXXX XXXX and national credit adjusters did not validate the debt and can not report on my credit over 30 days ago. I requested both debt collectors to validate that they have not responded. 
I disputed it with XXXX and they ignored the fact they are in violation of the fair debit collection practice act
Consumer complaint received 2022-04-11
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. (MD)

Improper uses of my credit files Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX