davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (PA)

I was charged a offer draft fee XXXX/2017 on my PNC wallet. I had XXXX to cover the transaction, and PNC failed to withdrawal the amount from a pocket of the wallet and unscrupulously charged me XXXX when in fact I had more than enough to cover the charge.
Consumer complaint received 2020-11-24
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. (NV)

I am absolutely livid that someone has literally stolen my whole identity and just getting away with it. They even were able to file bankruptcy in my name and just continue living like they were me to open MORE accounts. This is the 3rd complaint I have wrote and it seems to have done nothing to help me. I have filed a police report and a FTC report and disputed all fraudulent accounts with all 3 bureaus and they have done nothing to help me. I sent everything they asked of me during the dispute and it seems Im just ignored. This should not be legal.
Consumer complaint received 2022-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (VA)

on XX/XX/2021 I opened a business checking account. My ex-husband, out of spite, called and claimed the account to be fradulent. I went into a local branch with all necessary documentation to prove that this was not fraudulent however, Suntrust/Truist , closed the account. There was a deposit/balance in the account at the time of closure ( XX/XX/2021 ) which was held for several months and never released to myself/my business. On XX/XX/2021 I called and was informed that the deposit amount of {$13000.00} was returned to the issuing bank and refuse to provide me with any explanation or written documentation showing the paper money trail. I don't know who the " issuing bank '' is and my client that initiated the deposit claims that they have no access or record of the funds being returned to them either. I need an explanation of where the funds are, and have them returned to me immediately along with interest for the time they have had our funds.
Consumer complaint received 2021-07-02
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: National Credit Adjusters, LLC (NC)

I have contacted National Credit Adjusters since XXXX asking for proof of validity of a debt. They have not provided any proof that debt belongs to me and will not respond to any letters that I have sent. I have contact all three credit bureaus and the creditors themselves. 

The account also looks like it has been re-aged because I did not open anything with XXXX XXXX in the month of XX/XX/2021. 

The amount reporting on my credit report is {$240.00}.
Consumer complaint received 2022-01-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc. (OH)

ATTACHED IS DEBT VALIDATION LETTER I don't know what account this is and how this company got my personal information which they commited identity theft to get that. I also don't have a contractual obligation to pay this fraudulent account Online in XXXX XXXX # XXXX *Please see attached documentation
Consumer complaint received 2021-08-13
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. (IL)

Equifax has reported that XXXX XXXX provided them with a copy of my suppressed reported. I reached out to XXXX XXXX and they reported that the file is suppressed and was not shared with Equifax.
Consumer complaint received 2021-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I have two dismissed bankruptcy listed on my credit reports. I disputed this information with each of the credit bureaus telling them that the information was inaccurate and was never verified. They ( XXXX  ) responded in less than 24 hours telling me that they verified the information with the courts, which they did not. I called and spoke to a representative at the court and she said they would not submit to such a verification. I asked them to remove the information from my credit report and they refuse to do so. Unverified and/or inaccurate information can not stay on my credit report. Or send me proof of the verification that they say took place in XX/XX/2021. I am requesting proper debt verification from each bureau including all necessary supporting documentation.
Consumer complaint received 2022-01-07
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: CAPITAL ONE FINANCIAL CORPORATION (NV)

XX/XX/2021 and XX/XX/2021. A person tried to apply for a credit card in my name at capitol one and also XXXX XXXX. I did not do this. I just turned XXXX. I do have an idea on who did it. I called the company and asked what can they do. They said nothin and to call the credit bureau. I called them and they said i have to pass an authentication factor to update my information. I have never made an account to have information to begin with which gives me the impression that someone already made an account. They said unless i pass the Authenticator i cant dispute the inquiries. I just turned XXXX. I dont know what to do. Ive tried to get a social change and apparently my situation isnt serious enough.
Consumer complaint received 2021-04-01
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AmeriCollect (NY)

AMERICOLLECT wants me to pay a bill for a time I was covered by health insurance and refuses to bill my insurance company for payment. Although my insurance company agreed to pay the bill. AMERICOLLECT chooses to report that on credit report that they are trying to collect payments from me. This makes no sense. They hospital in which I received care claims I have bill owed but AMERICOLLECT says they are collecting on behalf of the doctors that work there but will not provide me any proof.
Consumer complaint received 2024-03-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

This is so annoying & frustrating. Ive sent EQUIFAX multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Equifaxs responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : Credit Score : 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
Consumer complaint received 2021-01-06
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. (FL)

Greetings, I have negative accounts listed on my credit report that should not be there. Those things are affecting my score and ruining my plans. I want you to remove the negative items on my report.
Consumer complaint received 2020-11-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (FL)

XX/XX/2020 I decided to open a Citibank secured credit card with a {$600.00} credit line. Unfortunately the card went missing and fraudulent purchases were charged to the card I have been trying to rectify this with Citibank since than But they refuse to comply with their fraud policies. Since then they still have my {$600.00} in the account is in collections.
Consumer complaint received 2020-11-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

SPS is the servicer of my loan I didn't have to pay my mortgage for three months due to covid-19 when I started back paying my mortgage I notice on my statements my escrow account and the principal account was in the negative and my principal balance was going backwards meaning every time I paid my mortgage my principal balance is going higher and everything else is going higher in the wrong direction in the negative. 
All I ask them for was a modification to lower my interest rate from 11.29 % especially now when the national interest rate is 2.29 % at this time. 

Also, why don, t I have a ( VOM ) verification of mortgage available to me?
Consumer complaint received 2021-09-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: VANDERBILT MORTGAGE & FINANCE, INC (FL)

I purchased a new mobile home in XXXX and had it financed with Vanderbilt Mortgage and Finance. For the past five years or more the mortgage company has had forced insurance coverage on the home because I could not afford the insurance at that time. The cost of the insurance premium was usually less than XXXX XXXX dollars with the premium payments divided into monthly payments and added in with my mortgage payments ; this resulted in payments of {$510.00}. 

I received a notice in XX/XX/XXXX from Vanderbilt Mortgage stating coverage had been placed on the home with a premium in the amount of {$1400.00}, and coverage of {$290000.00} on a mobile home that is only valued at less than XXXX XXXX dollars. My monthly payments increased to {$560.00} which I refused to pay because of the amount of coverage. I don't have any additions or other buildings on the property. 

I was able to purchase insurance on the home in XXXX, XXXX ; I called Vanderbilt to report that I have insurance and was told that I was three months behind in payments because the insurance premiums was taken from monthly payments causing partial and not full payments. When I tried talking to someone at Vanderbilt about the {$290000.00} in coverage I was told the company had no control over the amount of coverage. My concern is Vanderbilt Mortgage having {$290000.00} worth of coverage on a mobile home that is nineteen years old with just the home on the property. I also need to know if I need to file a complaint with the insurance commission? 

Thank you,
Consumer complaint received 2020-08-20
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

PennyMac Loan Services reached out to me in early XX/XX/2019 to refinance my house in Florida. I proceeded with the refinance letting them know that my job ( The XXXX XXXX ) would take me to XXXX  soon and I would be no longer living in XXXX. PennyMac also told me that my now wife 's name had to be added to the mortgage. It took them four months to close on this refinance due to their constant mistakes such as : Scheduling a notary for signing and then forgetting to get a notary. 
Misspelling my wife 's name multiple times, refusing to fix the paperwork and having us sign anyways. 
They also had me sign as this being my primary residents after knowing that I would be moving and renting out the property. 
The military moved me out to XXXX  so that I could be stationed with my wife, I rented out the house in XXXX  and planned to buy one in XXXX  with my wife as our primary residence. A week before we closed with the loan company XXXX XXXX who have been nothing but helpful, we were told that I couldn't be on the loan since PennyMac listed my XXXX  house as my primary residence. I called PennyMac right away and requested an Owner Occupancy Waiver. The company I am taking my XXXX  loan out through has seen this before from PennyMac and that it can be fixed with an Owner Occupancy Waiver which PennyMac has given out before to veterans in my same situation. After hours of calling PennyMac every day starting on XXXX PennyMac denied my request with no reason given. Due to COVID19 me and my wife had to schedule our vacation days weeks in advance to be used for our moving day which has come and passed due to PennyMac. PennyMac has potentially left us without the ability to buy a house due to them having me listed as a primary resident and refusing to fix it. I can't even begin to describe how much stress this company has caused me and my wife.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

This is in regards to a XXXX  account. The exact account will be included in the attached documents. I have contacted the company directly, and they refused to remove or update any of the information. I then contacted each credit bureau and they also refused to take any action. I made a complaint to CFPB regarding the company, the answer that the CFPB gave was that they sent me a letter -the company simply refused to correct or delete any of the incorrect information. I proceeded to submit CFPB cases connected to the credit bureaus lack of action, and pointing out the issues, as well as the companies lack of action. I implore you to review the documents attached, as I have gone in to explicit detail regarding the lack of action in regards to my complaint and disputes. Fast forward nearly two years and the account continues to be inaccurately and unfairly reported to my credit report. I do not have knowledge of this account, first of all. Additionally, because the account is reported differently across all three bureaus the negative impact is varied. This continues to damage to my credit, causing me to suffer with paying higher than average interest rates on my housing, car, and insurance.
Consumer complaint received 2021-04-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CO)

I have been using Moneygram to send to my wife in the XXXX for many years. I have stacks of receipts from when I have sent to her. They said they now believe there is fraud on the consumer, which is me. Moneygram tells me to go to different locations to try and send again. It never works I am always refused. They ask me to give them a code from the location but there is never a code just refused. They refuse to help me and they give me no reason about any fraud.
Consumer complaint received 2020-11-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc. (FL)

Over two years ago I had two Comenity Bank cards. XXXX rewards XXXX and XXXX XXXX. I was never late in fact I paid my balance in full but for whatever reason comenity bank has placed me on a blacklist. Every time I try to apply for one of their cards they declined based upon a glitch in their system. There are reasons for Declining me are as if I had a bad debt or paid late ( None Could Be Further from the truth ). I would like comenity to release my entire payment history on both accounts to CFPB and explain why they keep declining me credit When theyre not even basing my credit for a decision but its an internal decision which is a glitch.
Consumer complaint received 2021-04-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (MN)

This letter is a formal compliant that you are reporting and incomplete credit information. According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file I demand that the following accounts be verified or removed immediately failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.
Consumer complaint received 2017-07-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NIC, Inc. (TX)

I 've recently checked my credit report and I came across a collection agency name XXXX XXXX XXXX. I never gave XXXX XXXX XXXX permission to have access to my personal information. XXXX XXXX XXXX is VIOLATING HIPPA LAWS. XXXX XXXX XXXX could not send me VALDATAION with My Signature of this account ..
This account is UNVERIFIED ... I need VALIDATION of this account NOT VERIFICATION..
If this account is not deleted asap I 'm going too filed a claim with the BBB.
Consumer complaint received 2021-09-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (TX)

My Southwest Airline/Chase Credit card has been Declined over 45 times in a 2-3 Month period, even with plenty of credit on card. Have made contact with credit card via phone, app and contacted corporate office with same negative results. Im unable to use the card as per the promo awards. Their fraud/security DEPT. Has being able to fix the card. They want me to call Chase ever time I use the card indefinitely. I feel Discriminated against treating different then other customers who have same card. Thank You
Consumer complaint received 2020-10-13
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. (FL)

AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.