davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: PNC Bank N.A. (NC)

Received debit card and account opened letters in mail from PNC Bank in my name. I did not open any accounts at PNC Bank. Debit card received Friday, XX/XX/2021. Received " Thank You for opening '' letter for three accounts that weekend. Called PNC Friday re : the debit card and they completed a form and stated I'd get a call from fraud team within 24 hours. Did not receive call. Called again Monday re : the letter and the three accounts and was told a search would find all accounts opened in my name and close them out. Received confirmation letters dtd XX/XX/2021 that the three accounts were closed. Also placed fraud alert with credit reporting agencies on XX/XX/2021 & today filed police report with XXXX XXXX Police Dept.
Consumer complaint received 2019-07-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have disputed this account was TransUnion. The account is acceptance now. I have no knowledge of this account. I asked trans union to send me the name, number, and person that verified the account and how did they verify the account. The failed to provide the information requested.
Consumer complaint received 2019-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

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 XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX
Consumer complaint received 2023-03-20
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. (NJ)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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Consumer complaint received 2019-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Hello, I am trying to improve my credit score, and wanted to pay off my credit card balance. I attempted to get my debt reduced in exchange for paying it off in full. We came to an agreement about an amount. Several times during the phone call I said I was not comfortable accepting terms unless I received the offer in writing. Over the phone, they said they would report my account as settled rather than paid in full. 

After I got off the phone, I looked up settlements and saw that it would hurt my credit for 7 years, and I would be penalized on taxes, even though the forgiven debt was only about 25 % of what I owe. I still paid a large portion of what I owed ( over 50 % ), but found my account was restricted. I called and said I did not want a settlement, but want to pay it in full. That is what I was asking for in the first place. Yes, I wanted fees waived, but I want it to show paid in full on my credit report. 

Capital One is now saying too bad. Whether, I pay the full balance or not, they will report it as settled. This hardly seems right or legal. According to Fair Credit Act, I believe it is illegal for them to knowingly report false information. 

I want to pay the balance and I want them to remove reports of late payments and report the card as paid in full. That is all I want to do. 

I called several times. I spoke to a manager more than once, and they still claim there is nothing I can do. I am locked into the arrangement and that's it. I was pressured into taking the deal before researching or consulting with a financial advisor. I said I wanted to see it in writing and talk to someone first, and they said it would not still be on the table. This is not right. I had no idea how bad this would be for my credit. Why would I pay all this money just to have a bad credit score?! Especially when most of the debt was not forgiven ... 

Please help.
Consumer complaint received 2019-07-03
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: FIRST HOME MORTGAGE CORPORATION (MD)

On XX/XX/XXXX, I received an alert from XXXX  alerting me my credit was pulled by XXXX XXXX XXXX. I did not recognize this and I called XXXX XXXX XXXX at XXXX ( XXXX ) XXXX. I was told my credit was pulled by XXXX XXXX at First Home Mortgage and I have to contact this company to dispute the inquiry. I do not even recognize the name XXXX XXXX, nor I have authorized an " XXXX '' or First Home to obtain my credit report. I have not even spoken to anyone at First Home. I performed a search on XXXX " XXXX XXXX First Home '' and found his email on the website at https : //firsthome.com/XXXX. I sent an email to him ( attached ) though I have not heard back as of making this complaint. I attempted to dispute this via XXXX but I do not see a way to dispute Hard Inquiries. I did work with XXXX XXXX at First Home back in XX/XX/XXXX when I purchased my home, and my credit report was pulled then, but I have not authorized First Home nor anyone employed by First Home to pull my credit since XX/XX/XXXX. I did reach out to XXXX via E-Mail in XXXX XXXX about refinancing, but I never heard back from him and I proceeded with another lender. I am now in the process of refinancing my home with XXXX XXXX  / XXXX XXXX and I close in a little over two weeks. It may appear to the bank/lender I am actively shopping for credit, which is not the case. This inquiry by First Home is unauthorized and as far as I know, a violation of the CFPB. It could hurt or lower my credit score and potentially impact or raise red flags as I get closer to settlement. This is absolutely frustrating. Please assist as I do not know how else to get this removed from my credit report.
Consumer complaint received 2019-07-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Benjamin Chaise & Associates (CO)

This lady XXXX XXXX keeps calling me. She has the wrong name and says she's with Benjamin Chase and associates a debt collection agency. I owe absolutely no debt. This is probably a scam. I would like this company to stop calling me. I can't block them because they use a private number. Please help thank you
Consumer complaint received 2018-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I have tried to deal with Experian about my XXXX XXXX account for disputing it and asking for verification and requesting documentation in how they " verified '' this alleged debt. I have sent disputes to Experian on dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I only sent a letter when Experian refused to send documentation following their result from the dispute. I sent letters to XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. I never recieved documentation proving how they ( XXXX XXXX or Experian ) verified this alleged " debt ''. I have got letters from XXXX XXXX dated, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I also keep getting the " closed date '' changed on my XXXX XXXXXXXX account chaged from XX/XX/XXXX to XX/XX/XXXX according to XXXX XXXX and XXXX XXXXXXXX.
Consumer complaint received 2017-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

Chase bank issued me Chase Slate and Chase Sapphire Visa credit card accounts a year ago. At the same time I had Best Buy Visa credit card by XXXX XXXX. XXXX XXXX increased my limit over the time, but Chase Bank denies my right for credit line increase over time and by doing so denying credit tp customers. Having hard position not flexible. I was once told they randomly pick 10 percent of account for review. It is every single one of us 's rights for account review and credit increase over time. I paid back in good faith because I believed Chase lend in good faith. Never missed a payment, no late payment, no delinquency, ... They deny me credit by not increasing my credit over time. That 's crucial because It is essential to maintain 30 % or close to 30 % balance to credit limit ratio for best credit score practices ... I had not submitted credit limit increase application for hard pool for my Best Buy Visa credit card by XXXX XXXX for credit limit increase yet they did increase my limit over time. Chase insists and says The only way for them is we ask for and submit hard pool inquiry application to put inquiry in our credit report which credit inquiry removal is costly $ 30+ per inquiry removal. They lie because they are account issuer, at any moment they have ability to look into my credit report and see what is inside. I do n't buy their XXXX. I reserve the right to print this complain submitted and go to court against Chase whom their Executives do not get back to customers upon phone call complain and we have to fax or write a letter to them as the only way for them to hear our voice and to get back to us. They deny credit by refusing to increase credit limit over time to customers. I may very well stop paying back and escalate issue for court complain or arbitration or settlement if they do not soften their position. I am confused and I am thinking about my rights and options. The rate they have approved me for credit cards are rates they approve bad credit people not good credit people. I had XXXX score when I applied. Even they approved for auto loan at 8.9 % and XXXX dealership approved me 1.9 % They get outsmarted by others all the time. Chase Bank is abusing us. Please help ... Executives should be reachable by customers request from customer service or managers and get back. It is not customer 's job to earn their business. Its the bank 's job to earn customer 's business.. They have to be brought to justice for doing this to respectful US citizens whom deserve to be treated with dignity and respect not denying credit and being ignorant and negligent against them ...
Consumer complaint received 2018-05-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

I've already complained about the issue that led up to this but now Wells Fargo is reporting wrong information to XXXX  and my other bank about debit card claims they investigated and found in my favor then decided to reverse. They're apparently reporting this as fraud and screwing up everything I have on top of me now owing them money that I shouldn't owe. They're basically saying they lie about actually investigating anything by doing this. Big surprise another shady move by WF.
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

XXXX  XXXX XXXX mortgage loan, was transferred to XXXX mortgage company. Both companies are reporting incorrect information on credit reports. XXXX  XXXX XXXX was not sent to collections, it was Covid forbearance and then they transferred our loan to XXXX. XXXX is reporting late payments, when again our loan was in Covid Forbearance and then when we tried to make payments when told we'd have foreclosure process started on us.. XXXX had not updated their own system, so we had no account number for them to take payments. Our BOA loan was still considered the payment company and put our payments in a escrow account, until XXXX had completed the transfer of title. We never had any real late payments, yet are being charged fees, reporting of collections and late payments on all 3 credit score reports.
Consumer complaint received 2022-12-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: HUNTINGTON NATIONAL BANK, THE (PA)

I was scammed when using messenger thinking it was my sister in law account. Come to find out her messenger was hacked. This caused me to lose {$200.00} using XXXX through my Huntington Bank account. 
Huntington is saying since I authorized payment, they will not cover the {$200.00}. I did not know at time that it wasn't my sister in law account. 
The payment was made on XXXX.
Consumer complaint received 2019-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On numerous occasions I have sent my social security card and drivers license to all three CRA 's and old address still re-appear. I have informed them to please remove all other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate.
Consumer complaint received 2019-07-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Receivable Management Services LLC (CA)

This happen in XXXX, 2018 not sure what day but I got charged {$260.00} on my debit card, dont know who did it but I called XXXX they couldnt help me so I called my bank and tried cancelled the payment and I replaced my debit card for security reasons, chase refunded me the money but now the 3rd party is trying to charge me ...
Consumer complaint received 2019-07-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (CA)

LVNV FUNDING purchased an acct from XXXX XXXX XXXX  acct # XXXX on XX/XX/17 listed on my credit report as a c/o for {$360.00} However, the XXXX XXXX XXXX  acct was paid in full via money order for the balance {$300.00}. That money order was cashed on XX/XX/17 by XXXX XXXX XXXX  and charged off in error. The original creditor XXXX XXXX XXXX   deleted all reportings from all 3 credit bureaus due to the acct being c/o in error. Despite the original creditor rectifying the situation, LVNV Funding is still reporting this debt as owed and valid although it was illegally sold to them. They are also conatcting me repeatedly attempting to collect on a debt that was paid in full and removed from my credit report from the original creditor.
Consumer complaint received 2019-07-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

We submitted Settlement checks from our Insurance claim to OCWEN LOAN SERVICING for endorsement so we can start the process of repairs to our property. 
two checks were sent via XXXX  overnight Tracking # XXXX on XX/XX/2019. 
Checks were received by XXXX on XX/XX/2019. 
Check amount were {$10000.00} and {$150000.00}. 
OCWEN LOAN SERVICING has been uncooperative and have either refused to help or have been unprofessional. 
Our property is severely damaged and is in desperate need of repairs, property is located in south Florida. it rains everyday damaging the property more as every day passes.
Consumer complaint received 2018-05-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (GA)

Every year since I have been forced to use Wells Fargo as my mortgage provider, the company has tried to raise my monthly payment due to, in the company 's description, an escrow shortage. For years I have made an '' Escrow Buydown '' payment ( essentially an extra house payment ), so my monthly payment will remain {$740.00}. As an experiment, I switched my home owners insurance to another provider at a significantly lower cost only to receive another notice from Fargo that my escrow is short.The company has an eloborate plan to raise its customers monthly payment. Most people will agree a Fixed Interest rate is not an Adjustable rate, but Fargo makes no distinction between the two.
Consumer complaint received 2022-12-14
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. (VA)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now XXXX XXXX XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2019-07-04
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (MD)

The company is Synchrony Bank, and the card is the Amazon Store Card. The statement closing date was XX/XX/XXXX, which included a new balance of {$4100.00}. The balance included one non-promotional balance of {$79.00} and the remainder of the balance being promotional balances with {$300.00} expiring on XX/XX/XXXX, {$900.00} expiring on XX/XX/XXXX and all other parts of the balance expiring between XX/XX/XXXX to XX/XX/XXXX. I called the customer service number upon receiving the statement that closed on XX/XX/XXXX, and asked if the next payment could be allocated first to the non-promotional balance and the to the normal allocation, which is to the first expiring balance down the line to latest expiring balance. I was told I would need to call the customer service number [ ( XXXX ) XXXX ] on the day the payment was to post in order to set up the allocation. I called on the XXXX of XXXX, XXXX, the day my payment of {$600.00} was to post, and asked the representative to allocate as described above. The representative told me he could not perform the allocation since the payment had not posted yet. I went to the contact by " chat '', and arranged for the allocation. 
The next statement I received was for closing date XX/XX/XXXX. This statement showed no part of the {$600.00} on XX/XX/XXXX allocated to the promotional balance on XX/XX/XXXX, and a {$65.00} interest charge had been levied against the balance expired on XX/XX/XXXX. I called the customer service number and explained the steps outlined above, and the representative told me that while he understood, the only way I could avert the interest charges was to pay {$300.00} at that instant we were talking. 
I have arranged for the entire balance to be paid as of XX/XX/XXXX, but I refused to pay another {$300.00} on top of the {$600.00} that I paid on the XXXX of XXXX. Synchrony Bank or Amazon owes me {$65.00} that I was wrongfully charged in interest. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX