davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: PNC Bank N.A. (PA)

XX/XX/XXXX, I went to PNC Bank branch to make a {$2000.00} withdraw from my checking account. 

XX/XX/XXXX, I went back to the same PNC Bank Branch to speak to XXXX XXXX after finding out from PNC Bank main headquarters that XXXX XXXX bank teller she was the one that opened a credit card application without my knowledge and without my permission. XXXX XXXX told me she did n't open an application, I told XXXX XXXX that the credit card application bares her name on it, she went into a frenzy and went on the computer and she stopped talking to me. 

I believe that I was single out because I 'm a senior citizen, my age and national origin. THIS MATTER IS N'T AN MISUNDERSTANDING IT WAS AN INTENSION AND DELIBERATE ACT TO COMMIT FRAUD FOR FINANCIAL GAINS.
Consumer complaint received 2017-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NM)

( copy sent to XXXX XXXX XXXX XXXX and XXXX ) I opened the account when I was a employee at XXXX. The overdrafts happen when I left the company. When I opened the account I told the loan officer not to allow me to overdraft ( you will see what code I wrote in on the paper work with my passport on it saying i dont want to be over drafted ). But when I was no longer a employee and was using my card, I did n't realize I was over drafting my checking. What I think happened when my account was set up is that overdraft codes were changing at the time and were not classified properly and the loan officer made a mistake. I did not worry about the account because I was going to only use the money I had and put a little more every six months because that is the proper use for it so you do n't get charged a fee ( I know how the fees work obviously because I worked there ). Well right after I stopped working at XXXX I changed address. I was not notified of my overdraft charges until my mother who lived on XXXX told me I got a letter from what seems to be a debt collector. I was shocked. I opened the letter from XXXX and found out I owed about {$78.00} to XXXX. I paid XXXX I believe in XX/XX/XXXX ( not certain ) and they informed me I would be in good standing with the bank. I called XXXX a few days later to ask a representative if good standing meant that the bank would n't report it she confirmed yes. I went on with my life, and now that I 'm trying to open another checking account at a different financial institution, they said they cant because of XXXX.
Consumer complaint received 2021-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

On XX/XX/2021 Experian reported an alert on a XXXX  balance closed account from XXXX XXXX  180 past due in error. The account was originally held by XXXX financial. We contacted XXXX and they stated it was sent over right so the error was with Experian. So we filed a dispute with Experian and they removed XXXX but did not remove the late notice. So the action was incomplete.
Consumer complaint received 2021-04-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America has all of a sudden started charging me a $ 12 monthly maintenance fee on my checking account and an $ 8 monthly maintenance fee on my savings account. I've had my account for a number of years without these fees being charged.
Consumer complaint received 2017-11-13
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Premier Portfolio Group (IA)

XXXX XXXX has been calling off and on for well over a XXXX threatening legal action on some debt or bad check. I have attempted to have them mail me something verifying the information and have received nothing. They have called my home phone, cell phone, wife 's cell phone, my mother. My credit report is clean and there are no outstanding debts. I have not had a person checking account for several XXXX. I 've tried the do not call registry but they continue to harass. Everything XXXX read regarding them is that most cases are fraudulent.
Consumer complaint received 2017-11-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Systems International, Inc. (TX)

I would like to dispute the collections account from CREDIT SYSTEMS ( XXXX XXXX XXXX XXXX XXXX ) This account was created as fraud, and should be removed from my account. I have no idea what this is and
Consumer complaint received 2017-11-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (TX)

This complaint was submitted previously complaint number : XXXX In the previous complaint the creditor stated a letter was sent to all three bureaus to have this deleted from my credit report ; however, this is still reporting on ALL 3 bureaus. I would like the letter to be sent directly to me as well as the reporting agencies. I think enough time has been allowed to get this removed.
Consumer complaint received 2017-11-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: NAVY FEDERAL CREDIT UNION (GA)

On XXXX XXXX a family member discovered that the home located at XXXX XXXX in XXXX, NC was not longer there. Through research I discovered that the city demolished the resident, but I was never notified. However Navy Federal Credit union was notified and never informed me. A employee at Navy Federal signed the return receipt and provided it back to the city, because I was never notified and did n't know problems existed, the property was demolished. The home was demolished at the beginning of 2017.  After discovering this has taken place I spoke to the city inspector and after he looked further into the case that 's when I found out that Navy Federal was made aware and I was provided with a tracking number for the letter that was mailed to them. After discovering this I contacted XXXX XXXX and Navy Federal and told him everything that I have stated and I was told that I still owe the unpaid balance for the property even though it no longer exist and Navy Federal knew the property was going to be demolished and never told me. I also spoke to XXXX a supervisor and I was told the something. 

Additional information : Navy Federal charged this loan off, but is still showing that I own the property and states that I 'm still responsible for the unpaid loan balance.
Consumer complaint received 2017-11-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My loan has been transferred intermittently and mostly during default. My loan was transferred from Countrywide to XXXX, to XXXX, to Bank of America, back to XXXX then back to Bank of America again. At one point I was not even sure who to make my payments to because the transferring of my loan was so casual and occurred often. To make matters worse, I was never even notified of the transfer of my loan until I recently did some research. I had my attorney find out that the loan is now with Bank of America because there was no information provided to me from Bank of America nor XXXX informing me of this information. I recently submitted an application for a modification, I have supplied all documentation requested of me and I am being told there is no guarantee of the trustee sale being postponed, 2 days before my sale date! I did not ask for my loan to be transferred and I have been put in this situation by the lender. There is no reason why Bank of America should not be able to postpone the sale and continue the review of my application as this is a form of dual tracking. Additionally, per HBOR laws, I was never assigned a specific point of contact, I was never reached out to and offered assistance.
Consumer complaint received 2017-11-13
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: Fidelity National Information Services, Inc. (FNIS) (CA)

In XXXX and XXXX 2016 my bank account was hacked into a card was cloned and while in XXXX XXXX money was taken from ATMs across this XXXX XXXX area. XXXX XXXX took more than 92 days to investigate the issue in the into room since it is driven my account negative and caused widespread late payments and current bills affecting my credit they then reported me to ChexSystems even though I was a documented victim of fraud for account abuse. 

That inaccurate and irresponsible reporting of the debt owed to XXXX XXXX which was then later decided to be fraud in my favor its kept me from being able to do any normal banking.
Consumer complaint received 2017-11-14
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: EQUIFAX, INC. (CA)

Equifax dont want dispute UNAUTHORIZED inquiries on my credit report. keep telling me, I have to call banks and ask them to send Electronic notification to remove those inquiries ... its been a week now, I called banks but they unable to find anything in their system under my full name or ssn. So they cant send anything to equifax ... called back equifax again, explaining what banks told me, but they keep telling again same story ...
Consumer complaint received 2017-11-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Concorde Auto Management, LLC  DBA  Concorde Auto Acceptance (TX)

I 've recently pulled my credit report and noticed that there 's a collection from your agency on my report. I have never been notified of this collection. However, this does not imply that I refuse to pay the debt. Rather, I would like to dispute your claim. 

There 's two closed accounts listed on my report. One account was closed on XX/XX/XXXX and the other on XX/XX/XXXX. I 'm not aware of the information that 's being reported on my account. 

I recall getting a XXXX XXXX XXXX from you all, not long after that I was in a terrible XXXX XXXX that left my car totaled and me in the hospital ( the police report clearly indicated that this XXXX was caused by someone XXXX the XXXX XXXX, I should not be responsible for a XXXX loan. I spoke with my account manager and she agreed that I will not be responsible and that this will not appear on my report
Consumer complaint received 2021-08-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AFNI INC. (GA)

In an attempt to collect an invalidated debt, Afni, Inc. Violated my consumer rights and furnished a false and deceptive form pursuant to 15 USC 1692j. Additionally, Afni Inc threatened me in regards to said invalidated debt and said that they would put a negative remark on my consumer report if the debt was not paid, which they have done. This is direct violation of 15 USC 1692d. There have been numerous attempts by Afni to collect something that has not been validated and that I do not owe. I am fearful that Afni will continue to make threats against me and harass me in relation to the alleged debt. I have sent Afni, Inc a cease and desist and validation of debt to bring an end to this matter immediately. I have also invoiced Afni, Inc for multiple consumer rights violations. Pursuant to 15 USC 1692k.
Consumer complaint received 2017-11-14
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc. (KS)

Received a call from an unknown number and was informed that I would be served with legal papers on XXXX between the hours of XXXX XXXX and XXXX XXXX. Gave me a number that I could call if I needed to reschedule. Received a text message from my sister with a voicemail attached. The same person that called me called her and left her the same message telling her that the message was intended for me but left my sister a message saying that I would be served with legal papers on XXXX. I have never heard of a process server calling someone and tell them that they are going to serve them legal documents and I do not feel that my personal information and situation should be relayed to my family and friends. This is a private matter.
Consumer complaint received 2017-11-14
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC. (KS)

Received a call from an unknown number and was informed that I would be served with legal papers on XX/XX/XXXX between the hours of XXXX XXXX and XXXX XXXX. Gave me a number that I could call if I needed to reschedule. Received a text message from my sister with a voicemail attached. The same person that called me called her and left her the same message telling her that the message was intended for me but left my sister a message saying that I would be served with legal papers on XX/XX/XXXX. I have never heard of a process server calling someone and tell them that they are going to serve them legal documents and I do not feel that my personal information and situation should be relayed to my family and friends. This is a private matter.
Consumer complaint received 2021-04-21
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)

There are XXXX accounts and 3 inquiries that are on my credit report that in no way belong to me I was surprised when I saw this I need this taken care of please since the bureaus are not very respondent and they are not helping me after multiple letters and disputes regarding this. 

XXXX XXXX XXXX - Acct # XXXX {$22000.00} XXXX / XXXX - Acct # XXXX {$710.00} XXXX XXXX XXXXXXXX XXXX # XXXX {$8400.00} XXXX XXXX- Acct # XXXX {$0.00} XXXX- Acct # XXXX {$0.00} Inquirires XXXX - Inquiry date : XXXX XXXX, 2019 XXXX - Inquiry date : XX/XX/2019 XXXX XXXX XXXXXXXX XXXX - Inquiry date : XX/XX/2019 2019
Consumer complaint received 2017-11-15
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (RI)

I have been getting calls from Midland Credit Management for over a year, about the time I have had this number. They ask for a XXXX, who I have stated hundreds of times by now, that I am not. They have said, would put me on a no contact list, which is an obvious lie. They have called me twice today alone. I got tired and called back today, it took me a total of 5 phone calls, with numerous call time totals ; I had to ask to speak to a Manager. To whom I complained about his agents handle on the call, and the fact that theyve been calling me for over a year and have said I 'm not getting called again. I will be more than happy to ask for my phone records from the company that gives me service, if you need proof. But I ca n't deal with this harassment to debt that is n't even mine. I went as far as checking my credit just to double check I do n't owe them anything, and I told them about credit check ( on their recorded line! ) They continue to ignore me, I understand that XXXX is a female and so am I. But my name is XXXX XXXX!!! I 'm tired of this, and they do n't have the right to continue to do this to me!!! I am actually working on fixing my credit, and seriously this is putting a dent in my own progress. Wasting my time, patience, and not making me have belief that other creditors are even willing to help, let alone be nice and cordial on the phone. The sad part is I have been a collector, and would never treat anyone that calls me this way ; hence why I was top collector for my campaign.
Consumer complaint received 2017-11-13
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: EQUIFAX, INC. (WI)

I received XXXX hard inquiries on my Equifax credit report from XXXX - XXXX in XXXX and XXXX from XXXX. The dates of these inquiries are XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have used XXXX XXXX XXXX and XXXX XXXX for my internet and cable since XX/XX/XXXX, and have no interest in XXXX nor do I live in XXXX or XXXX. To this date, I have not seen an withdraws from my accounts.
Consumer complaint received 2017-11-13
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. (MN)

On XX/XX/XXXX I sent a letter to Transunion requesting verification/validation on multiple debts that they are reporting on my Credit Report. I specifically stated in the letter " do not respond to my request by stating these accounts have been verified, but provide me with copies of the information you have in my file verifying/validating these accounts ''. Today XX/XX/XXXX I received a letter from Transunion dated XX/XX/XXXX with several of the accounts listed in my letter still coming back as verified or updated. There was no physical proof of verification/validation included as I requested. Under the FCRA it is my right to view what is in my credit file and being used as verification/validation of these accounts.
Consumer complaint received 2017-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CORELOGIC INC (NV)

My family is trying to purchase a new home and we have found that we can not be approved because of inaccurate information being reported by our old mortgage company and the way that Credco is reporting it. 
We had a Chapter XXXX bankruptcy, including our home that was discharged in clear back in XX/XX/XXXX. We kept making payments on our home but finally had to short sale it in XX/XX/XXXX. The problem is that XXXX is reading the Credco report that we bankruptedin XX/XX/XXXX, which makes our loan unapprovable. It needs to read that we SHORTSOLD the home in XX/XX/XXXX and as long as we close our new home after XX/XX/XXXX, we are eligible to purchase. XXXX XXXX XXXX XXXX refuses to work with us. They dismissed our request to correct what they reported in a brief letter. We need help getting this corrected.
Consumer complaint received 2017-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I have a XXXX credit card. They reported back in XX/XX/XXXX a balance of {$500.00}. It is now mid XX/XX/XXXX and they still are not updating the credit bureaus that the balance is XXXX. I spoken to them several times with no help.
Consumer complaint received 2017-11-13
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (CA)

I filed a complaint against Chase a couple of weeks ago. Please reference complaint # XXXX. 

I just got an update today stating the complaint was closed due to my lack of response to a letter they sent me. Based on what I am about to explain it will become quite clear that the letter was probably never physically sent. The first I have seen this letter is attached to today 's CFPB reply. 

The letter says that my credit report screenshot was illegible ( which in fact it is very clear and concise ) SEE ATTACHED FOR YOURSELF THAT IT CANT BE MORE CLEAR IN REGARD TO THE ISSUE. 

Secondly, they reference XXXX being the bureau in question which clearly shows they do n't know what they are talking about or did n't even do their due diligence. Both the CFPB complaint and the attached doc show XXXX is the clear issue. The credit report does n't even show XXXX or XXXX  reporting this account so I am even more baffled at the reply! 

PLEASE INTERVENE AND PUT SOMEBODY COMPETENT ON THE CASE!
Consumer complaint received 2017-11-13
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: CAPITAL ONE FINANCIAL CORPORATION (MS)

Capital One have restricted the use of my credit card because of the authorized users on my card. When I asked for further clarification on this, they stated that I have added too many authorized users on my account, therefore my account has been marked as having fraudulent activity! I do not understand, because I have only four people as authorized users on my card and I am allowed to add up to five people on my card. I have sent them all of the information that they requested on numerous occasions, yet they still have a restriction on my account!! Every time I call the fraud department, they either keep me on hold or hang up on me! I feel that I am being discriminated against because I am a divorced, XXXX mom with limited finances.
Consumer complaint received 2017-11-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NY)

Navient has continued to offer me forebearances instead of helping me to figure out how to pay and handle my loans. I call and ask them to help me and they keep pushing and pushing forbearance ( been there done this and in horrible shape with loans ) and this coming from customer service reps who barely speak english and i mean no disrespect when i say this. My loans are unbearable ... and the only thing on my credit report thats horrible and preventing me from getting a house loan ... i applied for income based payments 3 weeks ago ( sending in my income tax from last year and paystubs ) and still havent heard a thing. This is all such a game and navient is messing with people 's lives and the ability to qualify for car home loans. Since XX/XX/XXXX i was paying {$360.00} a month and getting nowhere and still behind! I do not understand how to fix this situation wirhout putting thousands of dollars down on these federal loans i learned are controlled by navient. This is a disgusting company who is by no means looking out for the consumer. Please help!