davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-25
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. (MI)

I have tried to dispute information directly with XXXX XXXX XXXX Mortgage, XXXX XXXX, Experian, and XXXX. Each time the information is updated as correct even though information / documentation supports my request and dispute. 

In XX/XX/2020 I was nervous with onset of Pandemic, my company was reducing pay, auto allowances, etc. The Cares Act was put into place to over COVID Forbearance. I was advised this would not have a negative reporting aspect on personal credit reports. This is incorrect. 

I paid my XX/XX/2020 pmt. and requested COVID forbearance out of fear of pandemic, not inability to pay. Immediately my credit score dropped nearly XXXX points. Once I noticed this in XXXX, I called XXXX XXXX and requested to be removed from Forbearance. I was advised that since I had a VA loan, I had to make 3 on time payments before my loan could be reinstated. XXXX XXXX XXXX0 I made payments on my mortgage that are not being reflected on my personal credit report. My report stated not reporting ; furthermore, my balances are not reflected correctly. All bureaus are reporting a different balance than the actual balance depicted on my report. 

I reached out to XXXX XXXX requested a payoff, that balance is not the balance reported. There was a discrepancy with my XXXX account, I requested an update, that balance is not what is reflected. My credit report states natural disaster / earthquake. As I stated there was not supposed to be negative information depicted on these reports. Not reporting accurate balances, payments, stipulating natural disaster, etc., are all items an underwriter will assess as negative. 

Companies need to remove and accurately report. I was not advised correctly and that was not anyones fault, we were in uncharted waters. My complaint is once I noticed I reinstated my payments, and they are not reflecting on my credit reports. 

Sincerely, XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2017-07-25
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (NY)

Hi, good afternoon, I 'm putting this complaint against amazon store card, for not fair charges, every month when I pay the bill, they always increase the interest charge, the more they pay, the more interest they charge and I think it 's not fair because this assumption To lower the interest charge, I have proof of this and I will send them, to verify the information and take a letter on this subject, and can help me to solve this problem
Consumer complaint received 2022-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: PNC Bank N.A. (OR)

I received a letter from PNC XXXX XXXX XXXX dated XX/XX/XXXX that stated my credit limit was to be decreased to {$1400.00} when it was previously {$15000.00}. This was absolutely devastating to my credit rating. 
I have been grooming my credit rating for the past 20 years so that it would be the best it could be because I wanted to apply for a mortgage. This devastating blow to my credit rating came 2 weeks before my pre-approval after having exceptional over XXXX credit rating for decades. 
PNC gave me no warning for this limit decrease. Nor have they done a good job of explaining the reasons for this limit decrease. I have not been referred to any documentation from them as to why this happened nor how it could happen from their regulations. 
I called PNC Credit Card customer service and was on hold, after being transferred to multiple departments, for a total of 2 hours. I spoke to Customer Service, multiple supervisors, and the Underwriting department. I was told to contact the credit bureaus for their reasons for the decrease. I called each credit bureau, explained the situation and asked each bureaus customer service departments why this would happen- if there was anything dubious on my report. Each one said that my credit was flawless and that I there was no cause for concern. I have an exceptional payment history spanning XXXX decades. I then had to call BACK PNC with this information, which they replied I was to respond, in writing to the Consumer Credit Bureau Investigations Department to which they would respond within 30 days. My letter was mailed on XXXX. 
I believe that this credit limit decrease was based on erroneous information or human error in interpretation of this information. I do not believe a complete and correct assessment of my credit information was made. 
Like I said, this has been absolutely devastating to my credit rating and to me personally. I have been saving for a home for almost 20 years and I cant believe that this would happen after I have been so careful - especially two weeks before I decided, after 20 YEARS, that this was the moment I would apply for pre-approval on a mortgage. This creates a biased and inaccurate view of my credit rating that does not take into consideration the decades of exceptional credit I have. This is impacting my qualifications and potential rate for a mortgage, which equates to me losing thousands of dollars over time due to their mistake. 
Please note too, that, I have been a customer of PNC since XXXX. PNC has a strong presence in XXXX, my hometown. My business with PNC travelled with me when I moved to XXXX XXXX and now XXXX. I very easily could have closed my account and went with a local, more convenient bank. I decided to support hometown institutions - and, will share my experience with others if this is not rectified.
Consumer complaint received 2022-01-25
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. (MI)

I have tried to dispute information directly with XXXX XXXX XXXX Mortgage, Trans Union, XXXX, and XXXX. Each time the information is updated as correct even though information / documentation supports my request and dispute. 

In XX/XX/2020 I was nervous with onset of Pandemic, my company was reducing pay, auto allowances, etc. The Cares Act was put into place to over COVID Forbearance. I was advised this would not have a negative reporting aspect on personal credit reports. This is incorrect. 

I paid my XX/XX/2020 pmt. and requested COVID forbearance out of fear of pandemic, not inability to pay. Immediately my credit score dropped nearly XXXX points. Once I noticed this in XXXX, I called XXXX XXXX and requested to be removed from Forbearance. I was advised that since I had a VA loan, I had to make XXXX on time payments before my loan could be reinstated. Aug 2020-Dec 2020 I made payments on my mortgage that are not being reflected on my personal credit report. My report stated not reporting ; furthermore, my balances are not reflected correctly. All bureaus are reporting a different balance than the actual balance depicted on my report. 

I reached out to XXXX XXXX requested a payoff, that balance is not the balance reported. There was a discrepancy with my Escrow account, I requested an update, that balance is not what is reflected. My credit report states natural disaster / earthquake. As I stated there was not supposed to be negative information depicted on these reports. Not reporting accurate balances, payments, stipulating natural disaster, etc., are all items an underwriter will assess as negative. 

Companies need to remove and accurately report. I was not advised correctly and that was not anyones fault, we were in uncharted waters. My complaint is once I noticed I reinstated my payments, and they are not reflecting on my credit reports. 

Sincerely, XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2022-08-26
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: EQUIFAX, INC. (GA)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX  Balance : {$12000.00} US DEPT ED XXXX Balance : {$5000.00} US DEPT ED XXXX Balance : {$6200.00} XXXX XXXX  XXXX Balance : {$9800.00} 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 Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-01-25
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

hi I had a lease with the landlord for the year of XXXX, not XXXX and attempted many times to get one they refused to render me a lease for XXXX so i was paying month to month... tell them to render a XXXX contract also i had XXXX XXXX im the primary breadwinner i stay with XXXX XXXX so I could not work and fell behind and called and spoke in person notified the landlord i will pay in full also i found out they sold the property, but they agreed because the renters protection was in effect, but in good faith i will payed and got evicted they are snakes, also i spoke with their lawyer confirming that i will get evicted even i payed in full and paid a month in advance. then they gone ghost and gave me the cold shoulder so i called the bank, bank of america because they say call when theirs fraud... so i did .BOA.have my records. when i called about the situation and everything. and they denied my claim and im negative 12,000 i cant pay nothing and both are silent ask the bank to render that XXXX lease contract i will upload the documents please help i don't know how to move forward i'm in the streets with XXXX XXXX use the claim numbers each one is 3000 and one 600 to equal 12,000 the land lord name is 491 units XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO Bank, N.A. (MN)

Hi i'm missing a XXXX $ sign up bonus with my account for having 2 direct deposits of 500 $ or more and 10 debit card purchases from my account in the first 90 days.
Consumer complaint received 2022-01-25
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: PENTAGON FEDERAL CREDIT UNION (FL)

My credit was pulled so many times for different loan companies for a car loan with out my authorization, i was only advised my credit would be used for a specific credit loan company called XXXX XXXX XXXX, whom i currently have my car loan with now. I was not notified that they would misuse my personal information and have my credit pulled as many times as they did. Now i have all these hard inquiries of different car loan companies on my credit that are affecting my score and i need them removed so my score can go back up.
Consumer complaint received 2022-01-25
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: Global Lending Services LLC (FL)

My credit was pulled so many times for different loan companies for a car loan with out my authorization, i was only advised my credit would be used for a specific credit loan company called XXXX XXXX XXXX, whom i currently have my car loan with now. I was not notified that they would misuse my personal information and have my credit pulled as many times as they did. Now i have all these hard inquiries of different car loan companies on my credit that are affecting my score and i need them removed so my score can go back up.
Consumer complaint received 2022-01-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: NAVY FEDERAL CREDIT UNION (NC)

On or about XX/XX/2019 Navy Federal restricted all of my accounts with its financial institution stating that I breached contract. In XXXX I allowed my mother XXXX XXXX XXXX to sign into my business online banking and sign a business check on my behalf. XXXX XXXX XXXX at the time and still is due to personal reasons is my power of attorney. Under a Power of attorney no laws or contracts could have or have been breached. Navy federal restricted all of my accounts both personal and business which prevented me access to online banking, daily transactions with my checking and savings account, credit cards and lines of credit. Navy Federal Credit Union is in violation of adhering to GAAP principles and is obstructing the banking system. I have made several attempts to overturn this matter with the security department & have been informed this decision is final. I intend on pursuing this matter also with the Attorney General and the FTC. Attached please find Affidavit of truth and POA that was in place at the time Navy Federal stated that I was in violation/ breach of contract. Navy Federal still has all of my accounts open but I have no access to them but they still want payment on said restricted accounts.
Consumer complaint received 2022-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

account name ; XXXX account number ; XXXX date opened ; XX/XX/2021 amount owed {$2800.00} inquiries that need to be removed XXXX. ) XXXX XXXX XXXX. ) XXXX
Consumer complaint received 2017-02-21
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (CA)

I went to a XXXX ATM and made a deposit. It was anywhere from $ XXXX. Deposit was taken but after I received a receipt saying to contact claims to make sure my deposit was accepted. I called claims and made a claim, just yesterday the funds they had put during the investigation were reversed and taken out of my account without notice. Now my account is negative. After calling last night the person whom I spoke to said that there was nothing she can do and the case was closed. I asked to speak to a supervisor and she said she was in a meeting and would return my call in an hour. Keep in mind I called at 10pm pacific time. I caked again and I was allowed to put in another claim, but it would take 5 business days and this time they would not put the funds in my account. I 'm negative in my account and now I have to wait again.
Consumer complaint received 2023-06-27
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: Absolute Resolutions Corp. (NY)

I have a fraudulent account on my credit report, which I reported it to ABSOLUTE RESOLUTIONS and XXXX XXXX XXXX, yet they are not removing these fraudulent accounts. They have no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than XXXX business days after date of receipt, yet they have refused to do this. The followings are the fraudulent accounts : ABSOLUTE RESOLUTIONS/ XXXX, XXXX XXXX XXXX / XXXX Balance {$3600.00} and XXXX XXXX XXXX XXXX - Balance {$3700.00}.
Consumer complaint received 2023-06-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Dave Operating, LLC (PA)

I was viewing my statements recently because I was due for a refund from XXXX and wanted to ensure that it hit my account, while checking my statements I noticed something awfully peculiar about the order of my transactions, they werent in the order that I originally placed them! This has caused a significant accounting error for them where it has placed me as seen on Tuesday XX/XX/2023 I have a running balance deficit of $ XXXX and when my check was cashed it only showed that I had XXXX in my running balance when my check was for XXXX, when I woke up that pay morning, that was my balance, when I was done dealing with XXXX and getting robbed by them my balance was close to XXXX bucks. This bank is an atrocity. I have tried telling them they reorganized my transactions but they keep gaslighting me and telling me that I have on auto rounding ( which i do and am fully cognizant of, the fact they dont think i am is so insulting, they are rewriting the events of my life to profit more. ) ( Also Dave isnt a bank, this is about Dave but its also about XXXX XXXX as well, yall are professional cheats. )
Consumer complaint received 2017-07-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (AR)

I received a letter from an attorney office about a lawsuit being filed against me from a Midland Funding LLC. I am not sure what it is. I have received calls starting right at XXXX XXXX and stopping at XXXX XXXX from weird numbers without 10 digits calling my phone and would ask for me without identifying who they are if I answered. A year ago, this same thing happen and I received a garnishment for something I had no idea what the debt was. I am afraid they will garnish me again for another mysterious debt. I tried calling but they want you to identify social security numbers, date of birth and address as if you are admitting to debt or an account. I refused to provide any of it because the last time that is when they were able to collect from me when I was trying to find out about the debt.
Consumer complaint received 2022-01-25
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. (GA)

Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. I m disappointed! I dont know how to delete it from my name
Consumer complaint received 2022-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

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 2022-01-25
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. (PA)

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 2022-11-30
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)

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-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 that the information is inaccurate.
Consumer complaint received 2023-06-27
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: JPMORGAN CHASE & CO. (NY)

I have a fraudulent account on my credit report, which I reported it to XXXX XXXX XXXX, JPMCB CARD, XXXX XXXX XXXX  , yet they are not removing these fraudulent accounts. They have no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet they have refused to do this. The followings are the fraudulent accounts : XXXX XXXX XXXX XXXXXXXX, JPMCB CARD / XXXX, JPMCB CARD XXXX - Date opened XX/XX/XXXX, JPMCB CARD XXXX - Date opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX