davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (GA)

The problem is trying to get my PMI insurance removed from my loan payment. My loan is currently controlled by PNC Bank. My loan has reached 78 % of the appraisal value of my home and PNC Bank wants me to have the property appraised again by their appraiser from XXXX XXXX, in which PNC owns. Not to mention this sounds unethical, but according to document : Notice Concerning Private Mortgage Insurance-Fixed Rate Mortgages, that is in my loan packet it states the original appraisal value of the home at the time of the loan consummation shall be used to determine when PMI will be removed from the loan. They also stated in the first two conversations that my PMI would not be removed until XX/XX/2021 no matter what percentage of my loan I paid off that it was date set. According to what I have read from my loan paperwork and the Homeowner 's Protection Act this has to be a violation ( fraud ) of my mortgage contract that was originated by XXXX XXXX XXXX XXXX. We have never been late on a payment and almost every payment we pay additional on the principal, that's how we've already reached the 78 % value, you would think PNC Bank would be willing to reward its customers that have good records and work with them on such issues as this, but apparently that's not the case.
Consumer complaint received 2022-04-07
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. (AZ)

I spoke with mark at Experian on XX/XX/2022 about the late payment that appears on my credit report I request the following late payment to be deleted off my Experian credit report with a updated credit report mailed to me : XXXX XXXX XXXX  '' late payment amount of {$17.00}
Consumer complaint received 2020-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

This is not a duplicate. My complaint is that Capital One is lying in their letter of XX/XX/2020. They are claiming that the issue has been resolved and it has NOT. 

Please CFPB do not close this case until it has REALLY been resolved, not just when Capital One says it has been resolved. 

Capital One obviously did not read my response - despite what they say, I am still NOT able to log into my account. " Capital One 's letter dated XX/XX/20 states that " Our records indicate that you were able to reset your password on XX/XX/2020, and you successfully accessed your account on XX/XX/2020. '' Yet Capital One 's letter dated XX/XX/20 states that " It appears that the account ending in XXXX is not enrolled for you to have online access '' and " We have confirmed that the system issue that prevented you from logging in on XX/XX/2020, has been corrected. " This is two conflicting statements in a single letter - first they state that the problem is that my card is not enrolled in online access, then they state that the problem is a system issue. And the 'system issue ' has NOT been solved, as I am still unable to log in and get the same screen when I try. ''
Consumer complaint received 2023-03-17
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

Under 15 US Code 1681e ( b ) and 15 US Code 1681i ( 5 ) Capital One Auto Finance XXXX XXXX : XXXX and XXXX is in violation not reporting 100 % accurate it lists. Also, I have not given written permission for this debt to be shared with any other 3rd parties like XXXX and XXXX.
Consumer complaint received 2022-04-07
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: Experian Information Solutions Inc. (CA)

My company called XXXX XXXX, sent me an email saying that someone was trying to open an account in my name. The company is called XXXX XXXX, XXXX, the credit company that reported it was Experian. I have never heard of this company. They told me to file a complaint with XXXX XXXX XXXXXXXX. This is what I am doing. I will then look for the number 1 Identity theft protection plan.
Consumer complaint received 2022-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: TD BANK US HOLDING COMPANY (NY)

On or about XX/XX/2022 received an offer from TD Bank its stated that if I spend {$500.00} on eligible purchases within the first 90 days of opening account I will receive {$200.00} cash back. I completed the above and applied for this offer however I did not receive my {$200.00} I only received {$150.00} cashback reward. I applied for this offer online and call the bank to request an additional {$50.00} as was stated in their offer. They refused to give me the money. I applied the preferred customer number for this offer. Ive made copies of the flyer that I received and attached to this complaint. I would like to {$200.00} that I was offered.
Consumer complaint received 2022-05-02
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. (TX)

DO NOT BE AFREAID OF A NAME! DO THE RESEARCH! THIS IS NOT A GOVERNMENT AGENCY. THE CFPB PREVIOUSLY CLOSED A COMPLAINT. 
THE OFFICE OF THE ATTORNEY GENERAL IS NOT A GOVERNMENT AGENCY! 
THEY ARE A PRIVATE BUSINESS NO DIFFERENT FROM XXXX AND OR XXXX 'S! 
THEY HAVE NO AFFILIATION WITH THE ACTUAL ATTORNEY GERNERAL OF THE STATE OF TEXAS. 
Further, A government agency does not have customers etc. This Company is listing a LOAN on my Credit that DOES NOT EXIST. They Cant and Wont Validate the Debt per FEDERAL LAW 15 USC 1692g!

They are to be removed from my Consumer report Immediately.

Again : Sent Multiple Certified Letters regarding an alleged Debt and or a Ficticious Loan by The TEXAS OFFICE OF THE ATTNY GEN THEY DO NOT REPOND AND THEY REFUSE TO VALIDATE THEIR CLAIM YET CONTINUE TO GARNISH MY WAGES AND REPORT ON MY CONSUMER REPORT AND DESTROY MY REPUTATION. THEY WILL NOT REMOVE THE FOLLOWING ACCOUNT : Account ( s ) : OFFICE OF THE ATTY GEN Account : XXXX In accordance with the Fair Credit Reporting Act. The above Account has violated my Rights Everything has to be 100 % accurate on my Credit Report. 15 USC 1681 Section 602A. States I have the right to privacy. 15 USC 1681 Section 604A section 2 : It states a consumer reporting agency CAN NOT furnish an account without my written instructions. I submitted a complaint with the XXXX  and the Attorney Generals Office. This Collection Agency is volating my rights and costing me dearly. 
TO CONTINUE TO REPORT THIS INFORMATION OR ALLOW THIS INFORMATION TO CONTINUE TO BE LISTED ON MY CONSUMER REPORT IS A VIOLATION OF FEDERAL LAW. 15 USC 1681 ( N ) WILFULL NONCOMPLIANCE AND I WILL SEEK MONETARY DAMAGES FROM ALL PARTIES THAT DO NOT COMPLY WITH THIS FINAL DEMAND, IF THIS IS NOT HANDLED IMMEDIATELY.
Consumer complaint received 2020-07-16
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$20000.00}, {$29000.00}, {$7500.00}, {$20000.00}, {$8300.00}, {$14000.00}, {$2000.00}, {$27000.00}, {$2200.00}, {$15000.00}. 
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 ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$29000.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7500.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8300.00} -This is not my account. 

6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 


-- AUTO ACCOUNTS 7. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 

8. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$27000.00} -This is not my account. 

9. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 


-- COLLECTION ACCOUNT 10. XXXX XXXX XXXX XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account.
Consumer complaint received 2023-04-08
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. (FL)

My identity was stolen and these accounts were fraudulently opened in my name. 

XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-16
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: SYNCHRONY FINANCIAL (CA)

My CD account # XXXX of Synchrony Bank was XX/XX/2020 Maturity Date, XX/XX/2020 I call bank to want close CD and transfer money to my XXXX  XXXX XXXX XXXX # XXXX that register in Synchrony Bank website ( please see attached files XXXX & XXXX XXXX. The bank representative Miss XXXX sent a Code by telephone and ask some security questions for verify, but final she said she cant do it now after ask the manager. I ask her I transfer money from XXXX  XXXX  XXXX account when open CD, why cant return back money now. She said she will send me a security Code by overnight letter for verify that can close account and transfer money to me. I ask send a Bank Cashier check easy. She cant do it. 

Yesterday I wrote email to Synchrony Bank customer service ( please see attached files : SynchronyBankMessage ), no reply. Also didnt receive overnight ( Code ) letter today. I am very unsatisfied that why open CD easy and close CD difficult. 
Thanks, XXXX XXXX Phone : XXXX Email : XXXX Synchrony Bank, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Utah XXXX XXXX. XXXX XXXX, XXXX, GA XXXX XXXX
Consumer complaint received 2024-02-21
Product: Credit reporting 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. (VA)

I called Transunion and XXXX to dispute several unverified, fraudulent inquiries from my consumer Report they told me I had to file a Ftc report and I have to send it in the mail to them before they can do anything. I will attach a copy of the information I asked them to remove. 
Name Requested On 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I want this information removed.
Consumer complaint received 2021-06-24
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY (VA)

I paid off my XXXX XXXX XXXX XXXX in XXXX XXXX XXXX loan ) I immediately contacted Wells Fargo ( The lender ) because I wanted to sell the vehicle. I was told the lien would be electronically released, and I would receive a paper title within 7-10 days.When that didn't happen, i called back, SEVERAL TIMES, after the 5-5th phone call, i asked to speak with a supervisor. After 2 more calls of being told a supervisor would call me back, I contacted my local XXXX. I was advised there is NO HOLDS on the vehicle except the lien from wells fargo, and all they have to do it release it. every time i call them, they give me a different reason why its not released ( none that are my issue ) for example, these are the reasons in order I've been given.

1. Because of Covid, the XXXX XXXX  department is backed up.

2. ( one week later ) because we moved from XXXX  state where it was purchased to XXXX  state when it was paid off, that the title is being held by XXXX state. 
so then i contacted XXXX  state, and they told me they do not have a title and have not since XXXX when we moved. 
3. then i was told they have attempted to release the hold 4 times, and it isn't their fault, that VA XXXX has a hold on it. 
of course i cant just walk into VA XXXX, so i mailed all the info to them, and I received a call from the XXXX rep at Va XXXX electronic XXXX department. she told me, there is NO LIEN on the vehicle except wells fargo, and if they are having issues all they have to do is call them and they can fix it. but she didnt see any reason why they would have an issue. 
4. i then called back and was told by another rep that it was some other issue related to their software, and she would have a manager contact me within 48 hours.

5. I waited one week, and today i was told that the title was in " XXXX XXXXXXXX '' and it was being held by XXXX  AGAIN, i called XXXX state back AGAIN and was told again that it was not true. 
6. so i called back again, ( 8 weeks now of these back to back calls ) and the rep was rude and nasty. she said now that it was an issue with Wa issuing a paper title to VA instead of them first, and that she was escalating the case ( same words I've heard 4 times now ) to a manager to fix it. 

i need to sell this vehicle, and can not without a title. i paid off the vehicle early just so i could sell it. i paid every payment early or on time, and i cant get a straight answer at all.

I have owned dealerships, and i have been the lienholder on 100 's of loans, and i know how easy it is to release a lien. so that is why i am so frustrated. all they have to do is literally log into dmv site for lien holders and click a lien release button.

I just want my title.
Consumer complaint received 2021-06-24
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft 05 XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

12. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Consumer complaint received 2022-08-17
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. (WI)

After reviewing my credit profile I noticed several inaccuracies on my profile. Not only is my name wrong but also the addresses on my account. These inaccuracies are aiding in potential identity theft.
Consumer complaint received 2022-11-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (FL)

PLEASE TREAT THIS COMPLAINT AS DIFFERENT THAN ALL OTHER COMPLAINTS I MADE : this complaint is in regards HIDING INFORMATION FROM THE ONLINE SYSTEM. Please see ATTACHED EVIDENCE. 
United Wholesale Mortgage is hiding important information. 
United Wholesale Mortgage did not apply important information to the online system with the purpose of overcharging my account. 
The 2 very important letters they have disclosed on CFPB website, ( meant to notify me ) ARE MISSING FROM THE ONLINE SYSTEM. 
These are the same 2 VERY IMPORTANT LETTERS ( which I didn't receive ) that were supposed to protect my rights against abusevily charged Lender Placed Insurance. 
UNITED WHOLESALE MORTGAGE is using deceiving practices to overcharge my Escrow Account. 
If these 2 letters ( dated XX/XX/2022 and XX/XX/2022 ) were ever disclosed to me I could have protected myself against the abusevily charge on my account regarding Forced Placed Insurance. 
UNITED WHOLESALE MORTGAGE WAVED ALL MY RIGHTS by NOT APPLYING EXACTLY THESE 2 IMPORTANT LETTERS to THE ONLINE SYSTEM. 
NOT EVEN A SINGLE EFFORT WAS MADE TO NOTIFY ME BEFORE THEY PURCHASED LENDER PLACED INSURANCE. 
Dear Director from CFPB, please have a supervisor investigate this issue. 
United Wholesale Mortgage is using deceiving practices to avoid to answer my complaints such as but not limited to : 1. ATTACHING HERE ( ON CFPB website ) tens of pages UNRELATED with the issue and they BYPASS/game the system without answering. 
OR They mark the COMPLAINT as similar. 
This is NOT A SIMILAR COMPLAINT. 
This complaint is about HIDDEN INFORMATION. 
Please help!
Consumer complaint received 2018-03-08
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. (OK)

Good morning, I recently received a copy of my Equifax credit report and after reviewing it, I found information on the report that are inaccurate. The account in question is below. I disputed the information via Equifaxs website. However, the information has not been correctly verified yet still remains on my credit file. As of this date, I have not received any copies of the documents that Equifax have in their files verifying the accuracy of said account. 

XXXX XXXX XXXX XXXX {$65.00}
Consumer complaint received 2018-03-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

The last thing I did with anything on my credit was file my income tax I got an email about 20 mins ago saying my credit report went down I look at where I owe this money and its tell me this address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX with this name company account resolution service I have know clue of me owing this money and the last job I worked for was XXXX XXXX XXXX doing deliveries and a juice bar called XXXX XXXX XXXX so I dont know where this money saying that I owe coming from I paid all my debt before I even applied for a credit card check my records
Consumer complaint received 2022-05-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

The following company never proved their methods of verification through several stages of written credit disputes : PORTFOLIO RECOVERY ASSOCIATES The letters that were sent out are as follows : dispute letter 1 -- mailed on XX/XX/XXXX and received on XX/XX/XXXX dispute letter 2 -- no response letter mailed XX/XX/XXXX after over 30 days of no response dispute letter 3 -- VIOLATION OF FCRA RIGHTS DISPUTE LETTER # 4 mailed XX/XX/XXXX after 30 days of no response or correction to the credit reports. 

The company failed to verify the debt IN WRITING with original documentation of proper verification of debt per FCRA guidelines and within the given timeframes. Company also failed to remove the debt per FCRA guidelines and by law must remove the debt for failure to provide proper verification within the given guidelines of the dispute process.
Consumer complaint received 2021-06-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL (TX)

I had bought my husband a wedding band back in XXXX and got my loan through Synchrony Bank. I was going to pay for it in cash, but they insisted that if we went through the loan process we would get some sort of discount on my purchase. So I went ahead and did it. I didn't get a lot of information from them on this loan, I just knew I was setup to make payments every month to pay off the ring that was setup for me. I have never missed a payment. 

My husband saw our account this week that we were still having monthly payments taken from our account from Synchrony Bank. We both thought that was weird because the ring should have been paid off a long time ago. I was worried we had some sort of a credit because we had overpaid on the account. 

I called Synchrony Bank XX/XX/XXXX and they said I still had a {$850.00} balance on my account. I was in shock because the ring I bought my husband was around this amount back when I bought it in XXXX. I was finally able to get someone on the phone after waiting forever. They explained to me that the automatic payments that had been setup for me did not payoff my loan within 24 months of buying the ring. They said my interest had started back in XXXX and I was completely unaware. So after that they charge an interest rate of 29.99 %. Which is crazy! He said that I had aquired over {$600.00} worth of interest and that is why my ring was not paid off. Even though we do not have this kind of extra money laying around, I went ahead and paid off the entire balance, so we do not continue getting robbed by this ridiculous interest rate. 

I just don't like how this was handled at all. I will never use Synchrony Bank for anymore purchases ever again.
Consumer complaint received 2020-12-12
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. (WA)

I have tried contacting EQUIFAX several times. In addition sending professional letters to them with the things they have asked for. I.E ACCT NUMBERS AND NATURE OF DISPUTES. Every time they have made excuses saying I have not sent the information. When I have ALSO ATTACHED THE ACTUAL LETTERS SENT DETAILING THE NATURE OF DISPUTES AND ACCT NUMBERS AND NAMES!!!!!!!!!!!!!!!! Beyond this it has been PAST 45 days time for them to look into these matters and they have not.