davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (PA)

This involves a banking issue with a checking account with the following bank : PNC Bank National Association ( Routing Number : XXXX ) XXXX XXXX XXXX XXXX, XXXX, PA XXXX, XXXX ( XXXX ) XXXX Check forgery/fraud incident not resolved after 8 months ; funds fraudulently withdrawn ( stolen ) from account have not been reimbursed. I am filing this complaint on behalf of my XXXX old mother. Her statement is below : I have banked with PNC over 25 years, and it was not until XX/XX/XXXX that I experienced check fraud. Checks written out to pay various service providers had been intercepted in the mail, forged and cashed. This happened three separate times - XX/XX/XXXX, XX/XX/XXXX and then again in XX/XX/XXXX. The first time it occurred, PNC opened an investigation and promptly refunded the amount fraudulently withdrawn from my account. The second time, PNC investigated and quickly refunded the account. When it happened the second time I went ahead and placed a stop payment on all of the checks that were mailed out at the same time. However even though I put a stop payment on the checks, there was a third incident involving a check I requested to stop payment on a check that was written in an amount less than {$100.00}. The forger changed the amount to {$850.00}. A new investigation was open ; however, PNC has not refunded my account for that stolen {$850.00}. Apparently, there is an ongoing dispute with XXXX Bank to get the money back and that is what's holding up the reimbursement to my account. It has been more than 8 months with no movement or resolution. Meanwhile, adding insult to injury, PNC Bank started charging insufficient funds fees to my compromised account, even though the bank was aware that my money had been transferred out to another new checking account while investigation underway. I have contacted the branch manager multiple times as she has helped with documenting the previous investigations. She has continued to state that the investigation is ongoing. I escalated multiple times within PNC just to get no response or the run-around. PNC refuses to reimburse the lost funds until XXXX XXXX ( the bank which cashed the fraudulent check ) finishes their investigation ( no timetable ). It has been far too long, and I should not have to continue to endure this inconvenience. I am XXXX XXXX XXXX and need my money. Being out of {$850.00} for this many months is a complete hardship for a person on a fixed income. 
I am submitting this complaint with the hope that the CFPB can influence PNC and XXXX Banks to resolve this matter before years-end with reimbursement to my account and prosecution of the forger. 
Thank you.
Consumer complaint received 2022-12-02
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. (TX)

Since 2021 i've been complaining now I feel unheard & ignored. now i'm seeking help from cfpb to get my issues heard. CRA have been reporting inaccurate address, inquires, employers and much more. they have been reporting these things without my consent on top of the inaccuracies. this has harmed me for the past 2 years I've been denied for everything I've applied for. I have a child to provided for and i'm limited due to CRA reporting inaccurate information & ignoring all of my attempts to notify them of such.
Consumer complaint received 2021-09-25
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION (NY)

I have been in forbearance since XX/XX/XXXX, thus allowing me 18 months of forbearance. However I have been told that I am only going to be able to get until the end of XXXX, 17 months. This is causing me to be at risk of entering foreclosure prior to my application for HOA funding being approved, processed and dispersed. Please help me with correcting the issue and extending forbearance until XX/XX/XXXX.
Consumer complaint received 2021-09-24
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)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.
Consumer complaint received 2023-08-17
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (WA)

I initiated a loan assumption to remove and absolve my XXXX from the title, mortgage and all responsibility. The lender informed me that this process was a 30-90 process. I started this process on XX/XX/2023. I was informed this process would be completed on XX/XX/2023. To date this process has exceeded 130+ days, without any explanation or communication as to why? I have made multiple attempts to contact the lender and the department in charge. The VA has produced guidance and guidelines for the lender.
Consumer complaint received 2022-01-17
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (LA)

I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX in XXXX Louisiana on XX/XX/XXXX and made a down payment of {$4600.00} directly to XXXX XXXX XXXX to knock the principal balance down. the original amount of the vehicle was approximately {$9000.00} until the interest was applied which made it total {$15000.00} so i applied the {$4600.00} to knock the balance down but it never did and i asked XXXX XXXX XXXX will it show and she replied " it will reflect as I make my monthly Payment '' so it never did so i began asking why hasn't it reflected yet, she continued to say " it will reflect so time continued to pass so i eventually reached out to the local law enforcement and asked for advise and the XXXX police department said this was considered fraud so i took the next steps and filing a police report because i had realised this company wasn't being honest with me. On or around XX/XX/XXXX I called the police station for an officer to come and investigate so two police officers from the XXXX police department came on the scene to XXXX XXXX XXXX to investigate but they were closed. So we returned at a later date during their normal business hours on XX/XX/XXXX so as the officer proceeded to investigate and question them where did my down payment go. They ( XXXX XXXX XXXX ) couldn't explain and XXXX XXXX was jumping up and down. So when it was time for me to make my monthly payment. XXXX XXXX XXXX refused my payment and said i was behind which i was not and XXXX XXXX stated " XXXX you should have never said we stole your money '' after I asked why was they refusing my payment. They are still refusing my payment I've gone over there more than once and even have called and asked family and friends to call to see if they can make my payment but they refuse it and now are trying to make me pay my full remaining balance off which is not right when i wasn't behind but they are making me fall behind because they are refusing my payments only because i wanted to know where did my down payment go. this is fraudulent and unlawful what they are doing to me. I have reached out and got an attorney I've also notified the FTC, State Attorney General and local law enforcement. Also it took XXXX XXXX a month later to send me a receipt of my down payment which was XX/XX/XXXX after I kept begging for my receipt.
Consumer complaint received 2024-05-20
Product: Mortgage — VA mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Mr. Cooper Group Inc. (TN)

On XX/XX/2024, MR COOPER MORTGAGE stated that the account was accurate, and that you could not make any changes per CFPB complaint number : XXXX. This is not about the validity of this account, but the accuracy in which the account was reported. I disputed an account with this furnisher/creditor, and they overlooked the account 's incompleteness. They are treating me as if I will just allow them to settle for a default response like the account is accurate. MR. COOPER did not consider all relevant information and failed to correct what they had furnished and are not furnishing on my report. They failed to conduct a reasonable XXXX investigation into the matter and the failed to notify the consumer reporting agencies that the account had been disputed per my current XXXX consumer report. This creditor is avoiding accountability and is playing XXXX regarding the situation. Why are creditors taking us so lightly because we pay them? This company is using biased attempts to refute my dispute like XXXX have a payment history with them, and the account is valid ' which is not what the dispute is about. This is about the accuracy and completeness of the report showing on my credit report. The account with MR. COOPER from what I have on record per what is being reported to me directly from the consumer reporting agencies is an incomplete account because it shows too many notations in the payment history section of the account that reads No Data ( ND ). This implies that there is no information where there should be information. Without this information being reported, this account is legally considered as an incomplete account.
Consumer complaint received 2022-12-15
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. (SC)

This was not sent by error or anyone other then myself, I am a consumer by law and my information was misused in a data breech ( XXXX ) now I have some account and items that are not 100 % accurate on my credit report. That was unauthorized use of my credit report. I wrote a letter about false information on my credit report, and more than 60 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section XXXX ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands.
Consumer complaint received 2022-10-07
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. (AZ)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with the information listed and removed them without incident. You, however, seem to claim you've verified the accuracy of the information. I have talked to the furnishers and they agreed to remove the accounts from my file but Transunion has some internal block that they're claiming they can use to not block the accounts because they feel they're above the law. When I asked them why they're not accepting the dispute letters and complaints, they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why. So please just DELETE these accounts below : XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, TXXXX XXXX, XXXX  XXXX XXXX Reference # : XXXX
Consumer complaint received 2022-12-15
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. (OH)

I have been in contact with Equifax about inaccurate information on my credit report. Even after notifying them many times about these errors, they continue to report this inaccurate information on my file.
Consumer complaint received 2022-12-01
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. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-01-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USCB, Inc. (AZ)

I have been requesting, since XX/XX/2021 verification of these alleged debts that you keep reporting on my credit files. However, your agency has failed to investigate & obtain, as mandated by law, proof of such debts. Yet, you have continued to report & sell erroneous information about me. Therefore, it is quite obvious that you have deliberately violated my rights in more than one way which is punishable by law.
Consumer complaint received 2024-06-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (FL)

I am writing to escalate my previous complaint regarding the prolonged and unjustified withholding of funds by Chase, which has severely impacted my financial stability. Despite my continuous efforts and previous complaint, the resolution offered by Chase remains unsatisfactory and lacks substantial justification. 

Key Details of Chases Response and Rebuttal : Account Closure and Fund Withholding : Chase referenced their right under the Deposit Account Agreement ( DAA ) to close accounts and withhold funds for investigations. While they claim this is to protect both parties or comply with legal requirements, they have not provided any specific evidence or detailed reasoning that substantiates the alleged 'suspicious activities ' involving my accounts. The vague nature of their investigation and the indefinite withholding of funds without a set timeline are concerning and cause undue hardship. 

Lack of Specific Time Frame : The absence of a specific timeframe for completing the investigation, as mentioned in their response, is particularly troubling. It is unreasonable to withhold personal funds indefinitely under the guise of an ongoing investigation without providing regular updates or concrete evidence of the necessity for such an action. 

Terms of the XXXX  : While the XXXX may allow the bank to close accounts and withhold funds, this right must be balanced with the obligation to treat customers fairly and transparently. The XXXX does not provide the bank carte XXXX to withhold funds indefinitely without accountability. This action seems to be an abuse of the terms intended for legitimate protective measures. 

Request for a Fair and Timely Resolution : Given the prolonged duration of this issue and the impact on my financial well-being, I am requesting an immediate review and release of my funds. Additionally, I seek a clear justification for the continued withholding of these funds, and if none can be provided, then the immediate release of all funds with appropriate interest compensation for the period they were held. 

Potential Legal Violations : I am concerned that this situation may involve violations of consumer protection laws which advocate for reasonable handling of such investigations and require financial institutions to act within a reasonable timeframe and provide adequate notifications.
Consumer complaint received 2022-11-30
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (OK)

In accordance with the Fair Credit Reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account # XXXX, Account # XXXX, Account #  15 USC 1681 section 602 A states that I have the right to privacy. 

15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1681c. ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any adverse adverse items of information, other than records of conviction of crimes which antedates the report by more than 7 years. 

15 USC 1681 s-2 ( a ) ( 1 ). A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.
Consumer complaint received 2022-11-30
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (OK)

In accordance with the Fair Credit Reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account XXXX XXXX, Account XXXX XXXX, Account XXXX 15 USC 1681 section 602 A states that I have the right to privacy.

15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1681c. ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any adverse adverse items of information, other than records of conviction of crimes which antedates the report by more than 7 years.

15 USC 1681 s-2 ( a ) ( 1 ). A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.
Consumer complaint received 2023-08-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC (TX)

Apparently, my former insurance carrier ( via my parents ) was not billed for services when I received medical treatment at XXXX XXXX XXXXXXXX several years ago. They have now provided my personally identifiable information to a third-party, National Recovery Agency XXXX who damaged my credit by placing a collection on my credit report. I have not received contact from XXXXXXXX XXXX XXXXXXXX with any inquiries or to advise me of any billing issues. National Recovery Agency has also not contacted me directly in an attempt to resolve the matter. Only because I regularly check my credit, I found this collection. I can not verify that the amount they are claiming that I owe is valid, because I have not received a bill outlining the charges from XXXXXXXX XXXX XXXXXXXX or National Recovery Agency. 

My parents have a new insurance carrier as of this year. The former carrier, XXXX XXXX XXXX ( XXXX ), refuses to take calls or correspondence regarding prior coverage. XXXX is also known for not changing emergency visits to in-network to avoid paying valid medical expenses, since when seen in urgent or emergency care, you have no control over the network a physician uses for billing. My parents have also had difficulty with XXXX  not paying bills or taking calls, since my mother 's employer chose another carrier. My parent 's don't have an Explanation of Benefits ( EOB ) from services provided by XXXX XXXX XXXXXXXX, leaving me unable to verify whether my insurance was ever billed. 

Medical providers should have a responsibility to follow fact-based processes in good faith. They ask for insurance information before they will even see or treat you in an emergency situation. Yet, they don't follow through with the accurate and timely billing of your insurance, or give you an opportunity to ask questions or dispute claims. I should only be responsible for any remaining balance after my insurance pays based on my family 's coverage at the time of service. I do not and did not authorize the release of my information to any third party. National Recovery Agency has damaged my credit based on unverifiable information.
Consumer complaint received 2022-01-17
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. (TX)

I have previously disputed with TransUnion, XXXX and XXXX on XX/XX/2021 regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK (TX)

I just got an alert from XXXX XXXX about a new credit inquiry on my XXXX report, which is always frozen. Discovery Home Loans made an inquiry when I never authorized any credit inquiry. The fact was immediately notified to XXXX, and will pursue a court case for identity theft, if they do not remove the inquiry. It was reported immediately to Customer Service, and the lady was not able to answer about verification. My reports are frozen, and they have been sending unsolicited offers by mail since I have a Discover Card, They can not stop pursuing other products. I told the lady immediately that got the alert and with XXXX the freeze worked, but with XXXX went through.
Consumer complaint received 2022-10-07
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. (NJ)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts and inquiries. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX