davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NY)

On XX/XX/2023 I was going to a WFargo branch to deposit XXXX in cash. I got there about XXXX XXXX and there was only 1 teller and about 5 people on line. I had to go to work. I went to an empty post office the next XXXX ( USPS money orders..cash instruments ) to get 2 money orders..After the money order fee the amount of the 2 money orders was {$990.00} x 2 so I could deposit them into a WFargo ATM and avoid waiting in line. So I did that on the afternoon of XX/XX/2023. I got a phone call the next AM ( XX/XX/2023, ) from a very mean and snotty WFargo rep who explained that the Money Orders were altered and my account was now closed. My account had XXXX in it before the deposit. Now I can not access that either. As to the " altered '' money orders, they are absolutely out of their minds. I can not believe that is happening to me. They are holding all my funds, hostage because somebody there decided they are ALTERED??? I do not understand. I have a pic of the receipt for 1 money order ending with the number XXXX. I used 2 of my debit cards for this at XXXX each. The receipt for the money order ending in XXXX, I can not find but I do have the actual money order receipt that was attached to the money order. Both of these checks were deposited into the ATM. I need mt money back. I need the XXXX XXXX and the balance of my checking acct with XXXX from them. They seem to be thieves!!! I know for a fact that Wells Fargo has a track record of cheating customers with fake accounts, interest on auto loans, and opening accounts without people 's knowledge. and charging.fees that customers did not agree to. I do not want them to get away with this and need my funds immediately.
Consumer complaint received 2020-07-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A. (VA)

I have a 2nd mortgage with PNC as a line of credit. I wanted to refinance my 1st mortgage while keeping the 2nd as is. That requires a subordination agreement from PNC. 
On XX/XX/XXXX we requested the subordination agreement from PNC and submitted all required documents On XX/XX/2020, After several attempts to get an update on our request, PNC requested an updated title commitment since the one we submitted expired. 
On XX/XX/2020, we received another request from PNC to update form XXXX and adjust by {$0.00}. 
On XX/XX/2020, we received a request to update the payoff statement, Investor approval since the documents we submitted originally have expired. 
I communicated my concerns with PNC and the case number with them is XXXX. 
The process is taking so long that I already lost the locked rate for the refinance. In addition, in about two weeks, the my home appraisal I did to get the refinance rate will expire and I will have to pay {$450.00} to redo the appraisal.
Consumer complaint received 2023-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I have accounts on credit report that i did not authorize and need them remove, here are the accounts : XXXX XXXX XXXXXXXX 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 2019-11-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Accounts, LLC (NJ)

I received a phone call from a debt collector on a Friday afternoon. I explained to him that my XXXX union was notified and they were going to pay for the services. He then proceeded to ask why wouldn't I pay the bill with a credit card and i can get reimbursed from the insurance company. I explained to him that the information was already being processed. The claim was paid for I don't owe any copays or coinsurance. He stated why wouldn't I pay for the services. You have excellent credit, why wouldn't I just pay. This man harrassed me while I was at the supermarket with both my kids. I asked him to give me until Monday because I did not have the proof in front of me. I called both the credit company and XXXX  office. I was told they were going to retrieve the account from the collection company. I received a call last Friday telling me that the account was placed on hold until they completed this investigation. I called Dr. XXXX XXXX office spoke to XXXX who stated to me that I am not responsible for this bill. I am very upset that I was harrassed for this bill and it was put on my credit report. When I have been cooperating with them in trying to resolve the issue.
Consumer complaint received 2021-07-20
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: Mercedes Benz Financial Services (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-07-20
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. (OH)

I have just received a credit card through Citi Bank. The Custom Cash Card. And I used it once and immediately got locked out of the card and had to go through a verification process. After getting the card unlocked I used it again on a single purchase to wash my car then tried to use it at XXXX and it was again locked for suspicious activity. Called to try to unlock it and they have to send me a letter to verify suspicious activity again. I asked them if this was going to be and ongoing issue that every time I used the card once it was going to lock me out of the card and they hung up on me. I had to over draw my bank account to purchase the items I needed at XXXX. This is outrageous. I understand wanting to protect against suspicious activity. But not every time I use the card
Consumer complaint received 2019-05-06
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Sunset Solutions Group, LLC (TN)

After repeated calls with no company name given ( between XX/XX/24 and XXXX ), I called to inquire as to the nature of their calls. 'XXXX XXXX said their name was XXXX XXXX XXXX and they were turning my debt over to the attorneys to file a lawsuit if I did not make arrangements that day. I requested written verification of the debt. She refused saying they didn't have to. When I advised that by law they do have to provide verification if requested she began to berate me saying I owed the debt and was going to be sued and possibly arrested. I hung up on her. She called again from a different number and immediately said " I'm sending this to the attorney 's now ''. I again hung up, drafted a letter requesting written verification and have sent it registered mail. This is was an abusive call and violates the law.
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I have an open account with XXXX XXXX XXXX XXXX, and the account has the wrong address associated with the loan. 

In accordance with the fair credit reporting act XXXX  Account # 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 a account without my written instructions.
Consumer complaint received 2020-10-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENTAGON FEDERAL CREDIT UNION (TX)

On XX/XX/2020 we completed a bill pay via XXXX for {$100000.00} to PenFed Credit Union. Our bank XXXX confirmed that the money was accepted by PenFed on XX/XX/2020. However, despite numerous follow ups and providing proof of payment from XXXX, PenFed claims they can't locate the transaction. We also provided proof of the prior payment via the same method of {$2100.00} on XX/XX/2020 that was posted to my account on XX/XX/2020. 

It is nearly impossible to get through when we try to call, on average we had to wait at least 1.5 hrs for someone to answer. We even sent at least 2 communications to the Office of the Chairman of the Board XXXX XXXX XXXX and still no respond from anyone. Sounds like PenFed had some kind of system upgrade and they are not able to account for money that they are getting from their customers. We've lost countless hours on this, plus the anxiety and stress this is causing me and my wife. We are looking for immediate respond from PenFed on where about of our money that they received. Since it is an electronic payment that was accepted, my bank XXXX can't recall the money.
Consumer complaint received 2023-01-23
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. (LA)

I submitted a letter to the XXXX Credit Bureaus on XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX DE XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-10-23
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNTS 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2017-08-12
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (TN)

I was paying out of State tuition in which i was in school with a double major for six years in which i became a permeant resident of the state if Tennessee in two years. I asked why I was still being charged for our of State tuition and they could n't give me an answer. I owe XXXX dollars that I ca n't pay back. I also was not contacted about the settlement or deadline. Is there a way to see if I still qualify?
Consumer complaint received 2019-11-05
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. (MO)

I recently submitted a letter to the credit bureaus regarding some inquiries on my credit report that I did not request. They failed to contact me or do an investigation regarding the inquires. I asked them to remove the inquiries due to fraud and they failed to follow back up. Inquiries that I am speaking of are as follows : XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXXXXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX XXXX  : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX  : Inquiry from XX/XX/XXXX XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX  XXXX : Inquiry from XX/XX/XXXX XXXX XXXX  : Inquiry from XX/XX/XXXX XXXX XXXX  : Inquiry from XX/XX/XXXX XXXX XXXX  : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXXXXXX XXXX  : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry fromXX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX   : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX  : Inquiry from XX/XX/XXXX XXXX : Inquiry from XX/XX/XXXX XXXX  XXXX : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX  XXXX : Inquiry from XX/XX/XXXX XXXX  : Inquiry from XX/XX/XXXX XXXX : Inquiry from XX/XX/XXXX
Consumer complaint received 2023-07-20
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. (MA)

This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Consumer complaint received 2023-07-20
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. (FL)

An application was submitted for a mortgage modification with XXXX. For the past three months the account has been under review for mortgage assistance. Though there was a point of contact assigned to the case, XXXX XXXX, I did not hear from him until the complaint was filed with the XXXX. Prior to that time, I was calling and leaving voice messages but there was no response from him. I was also leaving messages in the account portal. There was never any clear or concise information about the loan ; just told it was under review. Just a complete runaround experience! Then the application was allegedly denied but then I was told that information was incorrect and that the application was still under review. During this time, my credit was being adversely affected. When I initially inquired about this, I was told that it was at the lenders ' discretion to report the late payments- which didn't make much sense since I was obviously in dire need of mortgage assistance. However, after speaking with the Loss Mitigation Department, I was advised that the adverse reporting would be reversed once the application was approved. It has now been approved and in light of this unsatisfactory application process that prompted a XXXX complaint, I am requesting for the negative reporting to be removed from my credit profile.
Consumer complaint received 2023-03-02
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. (NV)

These companies obtained my report without my consent or knowledge XXXX ) XXXX XXXX XXXX XXXX ) XXXX XXXX. XXXX ) XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX. XXXX ) XXXX XXXXXXXX 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
Consumer complaint received 2023-01-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (NC)

I open my account with Chime in XX/XX/1922. I have been banking happily with them the entire time I had not received any warnings or any feedback that my account could be closed all of the sudden and without warning chime shut down my account. I can not access my financial history and records in terms of payment. My account was closed on XX/XX/XXXX of this year. What did I do? Why cant I access my information anymore? Please help!
Consumer complaint received 2023-07-20
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. (MO)

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.

All accounts closed or charged off or negative on my credit report are not accurate.

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 a 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 2022-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (PA)

On XX/XX/2022 my credit card has been charged for {$450.00} without my authorization. I filed the dispute however it was denied without reasonable explanation. This is my second time experiencing the same issue with JPMorgan Chase Bank
Consumer complaint received 2020-10-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (GA)

About XXXX months ago, I was in the process of purchasing an automobile and up pops this collection account on my credit report. Because I was denied the car loan, I immediately contacted my Attorney to explain to him what happened and he told me to contact Consumer Finance. Gov. to file a complaint. This is not my debt and if it's not removed immediately, my Attorney and I are prepared to file a Law Suit. At this point, much damage has been done but we just want this removed/deleted immediately!!!
Consumer complaint received 2020-10-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (SD)

I had fraud activity on my credit card, it was resolved. I paid the balance and closed the account. In 2018. For some reason, I have one account showing open on my credit report yet, not past due no activity at all since 2018. Then I don't know if there's one, two, or three different places trying to collect on an account that appears to have been opened after I closed the one with fraud. I have LVNV Funding, Resurgent Capital Services, and XXXX   XXXX  all sending me emails and letters. This is the biggest scam I've ever seen, and I've emailed XXXX  XXXX  my dispute information showing my credit report and they said collection efforts will stop, and then I get a letter in the mail, so obviously that's a lie. XXXX XXXX XXXX  credit card was the biggest mistake of a card to ever have. I can't get rid of the after math of them and I owe them nothing.
Consumer complaint received 2020-10-23
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. (CA)

SMALL BUSINESS ADMINISTRATION GAVE UNKNOWN PERSON PERSONAL INFORMATION ON MY CREDIT REPORT WITHOUT MY PERMISSION AND COMMITTED FRAUD BY THE UNKNOWN PERSON GETTING A GOVERNMENT SBA LOAN IN MY NAME. WEIRD THING IS, THERE IS NO SBA LOAN LISTED, JUST THE CREDIT INQUIRY TO OBTAIN MONEY VIA APPLICATION. THIS WAS DISCOVERED IN CREDIT REPORTING COMPANY - EXPERIAN AND HAPPENED XX/XX/2020 FROM A " HARD INQUIRY '' FROM THE CREDIT COMPANY ITSELF. i HAVE AND WILL CONTINUE TO REPORT THIS FRAUD TO ALL ENTITIES THAT REGULATE AND PROSECUTE