davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-26
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: U.S. BANCORP (TN)

US Bank, XXXX - charged off XX/XX/XXXX. I fought this. I was in touch with bank teller in XXXX, TN. He wasn't even with the Mortgage dept. i could have paid off balance where i was a few months behind due to unemployment. 'XXXX '' sent my account to charge off status. I called several times to have this reversed. 
Since that time, i never received a statement, nor had to pay on the account. 
XXXX XXXX. receive a statement, after my main Mortgage account was sold to XXXX XX/XX/XXXX. 
The statement reflects $ XXXX due XX/XX/XXXX in delinquency -- 5 years later when there was no resolution within that time to set up payments.
Consumer complaint received 2023-01-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (GA)

This complaint is regarding account information below that has not been investigated and no information given. Its been over XXXX  months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within XXXX  days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XX/XX/XXXX of 2021 thru XXXX XXXX 2021, I noticed that after Capital one reported the statement balance which was within 10 % utilization, they also reported in three instances charges that I was making on the card in between statement balances, which caused my credit to drop XXXX points on two credit bureaus each time and XXXX points on the other. A total of XXXX to XXXX points. I make it a point to keep my utilization within XXXX  % as I have been working hard to build my credit expecially over the past year. After several conversations with Capital One where they insist that they are not reporting the balances, and also calls to XXXX  and XXXX, I had no choice to turn to CFPB for investigation. I have also asked several times for the Capital One customer service supervisor to let me speak with their credit department to see if they are aware of the error so they can resolve it and prevent it from happening in the future but I am told I can not speak to their credit department. After I disputed the XXXX times this happened, I did see where XXXX of the times the balance was reversed back but, I was not given my XXXX points back. I am a small business owner and this is hurting my ability to raise the capital I need to upgrade. I need them to resolve all issues and prevent this in happening in the future. I will also be calling the XXXX credit bureaus to insure my points are returned so that I don't have to report them to you. Its not fair credit reporting to deduct my hard earned points in error and not return them when the error is fixed. Thank you in advance for your assistance with this matter. Sincerely, XXXX XXXX
Consumer complaint received 2022-08-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (CA)

I have a POA, dated XX/XX/XXXX, over my mother 's finances. She has XXXX XXXXs and does not have the capacity to even sign her name any longer. The POA was among the paperwork signed and notarized on XX/XX/XXXX, given to us when we opened a checking, savings, credit card and a XXXX account with XXXX branch in XXXX. The XXXX account has been closed for several months but has all the POA and Affidavit of POA in their system under that account. 
Several months ago, I went in my local XXXX branch to close the checking account. I handed the teller a courtesy copy of the POA, in case there were any problems. Up to that time I had been banking with the downtown XXXX branch without any issue using the POA. 
The teller took the POA and went to the Assistant Branch Manager XXXX XXXX ( XXXX ) XXXX. He gave me an Affidavit of POA, which needed to be notarized. So, I spent 3 days getting a notary because it was only by appointment. Then I asked to speak with XXXX XXXX 's superior, XXXX XXXX XXXX ( XXXX ) XXXX. He gave me more forms to fill out. On XX/XX/XXXX, XXXX XXXX called me and was very apologetic and admitted they found the documents from XX/XX/XXXX in their system. 
On XX/XX/XXXX, XXXX XXXX called me and informed they are not accepting the POA, even though it had been approved on XX/XX/XXXX and again by himself just a couple days before. I had already signed these forms to close my mother 's XXXX account, so I am in XXXX 's system, from either the XXXX or downtown XXXX branch. Why won't the XXXX branch close my mother 's checking and savings accounts?
Consumer complaint received 2016-05-10
Product: Credit card — 
Issue: Billing disputes — 
Company: ENCORE CAPITAL GROUP INC. (GA)

My complaint is against Midland Funding LLC of XXXX XXXX.a credit card company. I received this card I believe around 2002 maybe or earlier. My question is what is the statue of limitations for the state of XXXX for credit card collection and who is in charge of how much these companies are allowed to pile on additional charges. My initial credit limit was {$350.00} with the XXXX withheld for some type of annual fee. Needless to say whenever I have received collection letters from various companies about this debt the cost on this account continues to rise. I have refuted this debt several times. The amount that they are trying to collect is XXXX plus XXXX court charges. Since this account has passed through so many different hands no one seems to know where the additional charges are coming from or they are not willing to find out. What are my rights as a consumer and who can help me with this 14 yr old debt. The company that is presently collecting is XXXX XXXX XXXX, XXXX ( XXXX ) XXXX in XXXX , XXXX XXXX.
Consumer complaint received 2023-01-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Tower Loan of Mississippi, Inc. (TX)

Someone applied and received a loan using all of my personal information. 

The amount of the loan was {$4000.00} It was from Tower Loan XXXX XXXX, XXXX Check date : XX/XX/2022 Check number : XXXX Loan number : XXXX Branch Number : XXXX
Consumer complaint received 2015-09-16
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I APPLIED FOR A LOAN MODIFICATION ON MY INVESTMENT PROPERTY OWNED BY XXXX XXXX. I WAS DENIED BECAUSE " YOU DO NOT LIVE IN THE PROPERTY AS YOUR PRIMARY RESIDENCE ''. XXXX XXXX OFFERS LOAN MODIFICATIONS FOR NON-OWNER OCCUPIED PROPERTIES. ADDITIONALLY, I HAVE BEEN LATE EVERY MONTH IN MAKING MY PAYMENTS BECAUSE I CA N'T KEEP UP BUT AM TRYING MY BEST NOT TO GET FORECLOSED ON. 
Mortgage and Borrower EligibilityEligible Property TypesThe following property types are eligible for the Standard Modification : Owner- or nonowner-occupied properties. ( i.e., primary residences, investment properties, or second homes ). 
Vacant properties, but can not be condemned. 
Eligible MortgagesThe following mortgages are eligible for the Standard Modification : XXXX-lien mortgages owned, guaranteed, or securitized by XXXX XXXX. 
Mortgages originated at least 12 months prior to the evaluation date for the modification. 
Mortgages may be previously modified, but not more than twice.
Consumer complaint received 2021-08-20
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: BRite Financial Services, Inc. (FL)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2022-08-16
Product: Checking or savings account — 
Issue: Incorrect information on your report — Personal information incorrect
Company: PNC Bank N.A. (TX)

PNC Bank ( PNC ), XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ( www.pnc.com ) and it's representative allowed an unknown caller to change my address and add two additional phone numbers two my accounts on XX/XX/2022. Then through PNC normal processes, XXXX Credit reporting agency was updated with this fraudulent information. I was made aware of the issue through XXXX XXXX and XXXX XXXX XXXX of this change to my credit report on XX/XX/2022. A letter was received from PNC on XX/XX/2022 letting me know my address had been changed with no mention of the two phone numbers being added to my account.

After talking to PNC, although this was not an online or internet breach, I did change my UserID and Password and corrected the address on the accounts and deleted the two phone numbers. The address change was only made on two of multiple accounts I have at PNC. Those two accounts however represent XXXX XXXXXXXX of open line of funds. PNC did create a case, XXXX, to investigate the situation. They will update me in two to three business days as to their findings. A letter was sent to PNC requesting they remove the incorrect information and update my XXXX and any other credit bureau where this information was entered. 

My concern is the lack of operational controls where, based on what we know at this point, an unknown individual can provide what is considered " enough information '' to verify my identity to make the stated changes. On my account is my wife 's and my cell phone numbers where a text could have been sent with an authorization code for the PNC representative to move forward. Sending an authorization code has happened multiple times in the past with PNC when validating my authority. Although PNC does not consistently do this verification process, this step might have circumvented this situation from occurring. 

From an operational and procedural controls perspective, there should be stronger processes in place to ensure my and other PNC customers do not have fraudulent activity taking place. As the control mentioned above would have been a step in potentially preventing this situation and more controls should be identified.
Consumer complaint received 2019-02-01
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. (GA)

I never had business with either of these companies and truly have no idea who they are..I do not owe this debt. You need to get this XXXX off my credit report immediately as it is damaging to me XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Consumer complaint received 2019-01-26
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. (TX)

I CAN NOT believe that EQUIFAX is STILL reporting the account XXXX XXXX although I have pointed out SEVERAL inaccuracies with this account. How can Equifax verify inaccurate information as accurate? By law it is Equifaxs job to ONLY allow accurate and correct information to be entered onto my credit report. How can this account come back as verified? I disputed this account XXXX and XXXX. I am challenging this account for the third time. I am challenging this account for the following reasons : There should be no past due on a charged off/closed account yet Equifax lists a past due amount of {$530.00}. How is this accurate? 

Each bureau lists a different open date. XXXX  XX/XX/XXXXXX/XX/XXXX/Equifax XX/XX/XXXX, XXXX XX/XX/XXXX. How is this accurate? 

XXXX  lists that the last payment was made on XX/XX/XXXX yet the payment history shows that the account was paid satisfactory from XX/XX/XXXX-XX/XX/XXXX. How is that possible if the account was charged off? How is this accurate information?
Consumer complaint received 2019-01-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I disputed these unauthorized inquiries months ago, however, the credit agencies investigation came back verified. Now I'm requesting the Method Of Verification, who verified these inquiries, and I'm requesting the physical documentation of verification or as stated in the FCRA, if not then these following inquires shall be blocked/ removed. 

1 ) XXXX  ( XX/XX/XXXX ) 2 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 3 ) XXXX ( XX/XX/XXXX ) 4 ) XXXX XXXX ( XX/XX/XXXX ) 5 ) XXXX XXXX ( XX/XX/XXXX ) 6 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 7 ) XXXX/XXXX  ( XX/XX/XXXX ) 8 ) XXXX XXXX   ( XX/XX/XXXX ) ( XX/XX/XXXX ) 9 ) XXXX XXXX ( XX/XX/XXXX ) ( XX/XX/XXXX) 10 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 11 ) XXXX XXXX ( XX/XX/XXXX ) 12 ) XXXX XXXX ( XX/XX/XXXX ) ( XX/XX/XXXX 13 ) XXXX XXXX ( XX/XX/XXXX ) 14 ) XXXX XXXX ( XX/XX/XXXX ) 15 ) XXXX XXXX ( XX/XX/XXXX ) 16 ) XXXX ( XX/XX/XXXX ) 17 ) XXXX XXXX ( XX/XX/XXXX ) 18 ) XXXX XXXX ( XX/XX/XXXX ) 19 ) XXXX  ( XX/XX/XXXX ) ( XX/XX/XXXX ) 20 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 21 ) XXXX XXXX ( XX/XX/XXXX ) 22 ) XXXX XXXX ( XX/XX/XXXX )
Consumer complaint received 2019-01-26
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: Experian Information Solutions Inc. (OH)

I have several account on my credit report that should have been removed they where settled with the original Creditor and paid in full I would like these items removed they are not accurate please delete/remove the following account : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX & AXXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX I have some issues with unauthorized checks being used on my account and and these have all been settled. I am in the process of buying my home and I would truly like these resolved items removed from my credit report!
Consumer complaint received 2019-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have several account on my credit report that should have been removed they where settled with the original Creditor and paid in full I would like these items removed they are not accurate please delete/remove the following account : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX I have some issues with unauthorized checks being used on my account and and these have all been settled. I am in the process of buying my home and I would truly like these resolved items removed from my credit report!
Consumer complaint received 2018-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE (FL)

Since I have had my BarclaycardXXXX Rewards, Ive missed only one payment. I tried to use my card and it declined on XX/XX/XXXX. I knew what me available balance was because I had just paid on it. I was trying to use my XXXX rewards on an XXXX  product. I called and was informed it was a system generated closure due to policy and it just generated onXX/XX/XXXX. The same day I used the card! The customer service rep, along with the manager could not tell me what policy of theirs this was pertaining too. But insisted I wait on the letter to tell me. I called again onXX/XX/XXXX, the gentleman was very honest in saying he has no idea what policy this is but would get me over to their another Department. The new Rep from the Credit Profilo Department told me that they checked my credit and notice delinquency with another merchant that triggered them to close my acct. I told him to check how often I have been delinquent with them and he said it didnt matter, its in our disclosure. I asked him to tell me where, give me a page number and I could look it up. He said he only had a printed copy on his computer not the actual disclosure. Then he proceeded to tell me another department would mail me one, but its available online. Since I was on my phone I had already looked online and it was to request one by mail also. When I said that he said oh well they informed me itll take 30 days to receive. I researched on other forums with this particular credit card company and this seems they do this often with their fairly new consumers that have their card for 6-8 months then they close they acct. This is a major blow since I needed to keep this card open to rebuild my credit after Irma. Which was why only one card closed. Totally unfair and very shady practice!
Consumer complaint received 2022-08-29
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. (CA)

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XXXX of XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

This letter is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$1500.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$6100.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$3400.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$3400.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$9600.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$9000.00}, XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$3100.00}, and XXXX XXXX Date opened XX/XX/XXXX Balance {$420.00}.
Consumer complaint received 2019-02-01
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 unbelievable, bureaus keep up with incredible reporting practices because they put stuff on my credit file without even informing me ahead of time.. They don't belong to me, I did not have an account with these companies, Please delete the mentioned accounts TN XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX
Consumer complaint received 2018-04-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (AL)

My wife had a credit card in her name with Wells Fargo Bank that I did not know about when she took it out. My wife passed away onXX/XX/XXXX Based on the credit reports, she had paid through the date of her death. I was approved by the County Probate Court as executor. I settled all debts of hers that I was aware existed which were few other than burial expenses. The County advertised for all creditors to file claims against the estate as required by law. Wells Fargo did not file any claim against the estate. They also did not notify me of the debt which would be correct since I had NO legal obligation to pay it other than through her estate and was not aware it existed. The estate closed 6 months or so after the initial filing of the will in Probate Court and the required legal notice to creditors.

A month or two after my wife died, Wells Fargo started reporting the debt as a past due obligation of mine and proceeded to trash my credit history, good name and character. I learned about this defamation when I was denied credit inXX/XX/XXXX. I contacted Wells Fargo and was informed that they would investigate. They sent a letter to the estate and stated that they would erase my name from the file after trashing me for 27 months for a debt that wasn't mine. They claim that they have made no mistake and offer nothing more. They sent the letter to the estate only and have not sent any communication to me, yet I am the aggrieved party. I called and left a message for them to call me and they have not bothered to return the call in 2 weeks. The Wells Fargo case # is XXXX.

Corrrecting their mistake by deleting me from their records is required by law and they refuse to even acknowledge that they messed up. They have not done anything to address 27 months of erroneous reporting. Their response is wholly inadequate to compensate me for attempting to destroy my credit because my wife died and they failed to do their jobs correctly and file a claim with her estate. They should not be allowed to make up false and fictitious allegations against me for their inability to handle the debts of a deceased customer and should be fined and or offer compensation beyond we'll fix our mistake after making it 27 months in a row. They wouldn't even have done that had I not filed a complaint.
Consumer complaint received 2022-08-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.