davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Receivables Performance Management, LLC (IN)

In XXXX of 2021 I got a bill from XXXX for {$340.00}. I contacted them and they said since I never activated service the next cycle will zero out the bill. In XXXX of 2021 I got a final bill from XXXX and called again. I was told it will be resolved and I did not owe {$340.00} since I never activated service. I now have Receivables Performance ( debt collectors ) calling me and the {$340.00} is now on my credit report. Today XXXX I once again talked to XXXX and they said since account is closed they will send to business department to resolve. XXXX I spoke with debt collector and they said they do not contact XXXX and they will still collect the debt. I have a debt I don't owe showing on my credit report and a collection agency contacting me.
Consumer complaint received 2018-02-18
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: Experian Information Solutions Inc. (IN)

EXPERIAN FAILED TO UPDATE XXXX LOAN NO.XXXX, THIS ACCOUNT WAS DISCHARGED ON XX/XX/XXXX UPDATE TRADELINE AS A DEBT CANCELLATION OF XXXX. PAID CLOSED CANCELLED. 

ALSO, XXXX XXXX XXXX NO.XXXX WAS REPORTING PAYING AS AGREED NEVER LATE PRIOR TO THE BANKRUPTCY OF XXXX. 

RE-INSERT XXXX XXXXXXXX XXXX NO.XXXX. PAID IN FULL VER LATE AND CLOSED. 

LASTLY, XXXX XXXX XXXX IN AN INVALID TRADE OF XXXX 
UPDATE STATUS PAID IN FULL, CLOSED/TRASFERRED TO XXXX. XXXX IS NAMMED IN BANKRUPTCY XXXX AND DISCHARGED XX/XX/. 

DELETE ALL HARD INQUIRIES FOR THEY ARE INCLUDED IN BANKRUPTCY.
Consumer complaint received 2018-07-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (NM)

On XX/XX/2018, I called XXXX XXXX XXXX, to inquire how much I need to pay to get rid of PMI, the customer service rep, said {$1700.00}. I made an online payment for {$1700.00} to principle and fax over the PMI request form for removal of PMI, the same day. The lady did not state I needed to have anything else for PMI removal.

I then received a call from an appraiser to schedule an appraisal of my home. I called Round Point and asked how much was the appraisal and all they could tell me was between $ 300- {$600.00}. I then told her I was at 80 % so I should not need one. 

On XX/XX/2018 I called again to XXXX ID-XXXX and she stated PMI would be removed, if I paid {$1200.00} then my principal would drop below 78 % and it would be removed. That same day I made another online principal payment for {$1200.00} On XX/XX/2018 I sent an email to Round Point, to request dropping my PMI because now I am at 77 %, but never heard back. I also asked for my extra payments that I paid for PMI be applied to principal, and nothing has happened. 

I have made numerous phone calls, sent email for request removal. 
I have an excellent payment history, have never been late. 
My payments are current and I am at less than 78 % of principal.
Consumer complaint received 2018-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (FL)

I have been a Chase Freedom cardholder since XXXX. Twice now my APR was raised and both times Chase sent me notification of the change in terms using Presorted Standard Mail. My husband who worked for the post office for 31 years was shocked when he saw this because he knows that anything that is sent Presorted Standard mail is not returnable and subject to be thrown away by the postal service if not deliverable. Because of this fact, most Americans regard presorted standard mail as so called " junk mail '' and discard it without even opening it. I believe that Chase is using this type of postage as a deceptive practice of trying to satisfy the requirements of the law while secretly hoping most people will not read it. The first time this happened my APR was raised from 12.24 to 29.99 and I was notified through Presorted Standard. I called them on this and they immediately changed it back to the 12.24 when I challenged them on it. Now they are doing the same thing again. I received the notification that my APR would go from 12.24 to 16.24 effective XX/XX/XXXX again this was sent presorted standard mail. 

In my opinion Chase is being deceptive in the hopes that most customers will throw the notices in the trash and never read them. I think they should be fined and/or required to send future change in terms notices first class mail.
Consumer complaint received 2023-02-15
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. (PA)

Accordance to the fair credit reporting act. XXXX XXXX XXXX # XXXX Has violated my rights. 15 USC 1681 Section602a I have the right to privacy.15 USC 1681 Section604a Section2 a consumer reporting agency can not an account furnish without written instructions.
Consumer complaint received 2022-05-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Avant Holding Company, Inc. (KS)

Hi : I have tried to obtain copies of my old credit card statements so I could help other agencies, including Kansas Attorney General, with specifics. 

I requested copies of these verbally and in writing. I was told they would not provide this information. 

I believe their behavior is unethical and illegal.
Consumer complaint received 2020-05-03
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: PNC Bank N.A. (NJ)

On XX/XX/XXXX I contacted PNC 's Underwriting Dept re a  posssible {$3300.00} credit card balance transfer promotional offer of 15 months 0 % APR. I needed to effect a result quickly. I was approved, but when the credit card arrived the credit line was {$3000.00}. I filed a request with PNC 's Retail Escalation Division ( Case Mgr.  XXXX XXXX - XXXX ). I was told it would not take more than a week for a decision to be made. Two weeks later there was " no decision '' re the additional {$300.00} on the credit line. 

I gave up and, on XX/XX/XXXX, effected the balance transfer with the PNC Credit Card Dept ( " XXXX '' - XXXX ) for {$3000.00}. I never heard back from, nor was I able to reach, XXXX XXXX or anyone else in the Retail Escalation Department. As a result of the ongoing delay and failure of PNC 's Retail Escalation Dept. to rule on my additional request of {$300.00}, I was forced to proceed as though they had rejected my request. I did so after waiting three weeks, attempting to reach Mr. XXXX and other members of the Retail Escalation Dept. and failing to reach anyone. That delay has now forced me to have to pay the {$3300.00} credit balance on TWO cards : the original credit card and the PNC credit card. The total failure of Mr. XXXX to rule on my request damaged me financially.
Consumer complaint received 2020-11-05
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: EQUIFAX, INC. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XX/XX/XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; AVANT LLC/WEB BANK XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XX/XX/XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2018-02-18
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. (AZ)

To whom it may concern, On XXXX of 2016 XXXX XXXX XXXX   reported my monthly payment as being late. I called XXXX XXXX the moment I noticed this on my Credit Report. I have never been late on any of my Credit Cards or loans. I never received a statement from XXXX XXXX as I always did, therefore I did make the payment on time due to their negligence on sending the statements. I also never received a phone call from them letting me know about the payment. While speaking with XXXX XXXX there was an individual that stated I should have received a noticed by mail and a phone call ( I believe his name was XXXX ) If the phone calls are recorded then XXXX XXXX should have that information on file, this individual admitted that XXXX XXXX did not take the necessary steps in this situation. I have disputed this item multiple times and it was removed from the Credit Bureaus in the past, but then it is added again ( It just recently happened again ) XXXX XXXX Negligence to provide me with proper community when it comes to payments has affected my credit score and caused stress in my life. Loan interests are higher due to this and it has taken time out of my busy schedule to provide these letters in the hopes to get this rectified. I pride myself on having pristine credit and XXXX XXXX has affected a lifetime of work on my credit. I'm not asking for any money, all I want is fair treatment and to have this item removed. XXXX XXXX is a large Corporation and it is not fair for them to treat a client this way. It is very disappointing how I have been treated and hope to get this resolved. 

Thank you. 

I have submitted this complaint to your office in the past I appreciate any help you may provide to get this handled.

I would like to have the late noticed removed from all of my Credit Reports I will also be filing with the Attorney General 's office
Consumer complaint received 2018-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (IL)

Ive disputed four accounts with this company and they refuse to delete incorrect accounts. Ive even provided letters of deletion to the credit bureau advising to delete info and they refuse to cooperate
Consumer complaint received 2022-01-18
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. (PA)

My name is XXXX XXXX XXXX XXXX. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I asked that the items including unauthorized inquiries be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions identity theft affidavit. Please delete the items as soon as possible. 

According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.
Consumer complaint received 2021-06-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION (DE)

I had a mortgage in XXXX with TIAA XXXX. The loan was transferred in XX/XX/XXXX to XXXX. In XX/XX/XXXX the company said I had to pay an additional {$100.00} because my escrow was too low because they had an additional sewer tax that was not included in the initial escrow calculation. I paid the additional amount for the mortgage that month and saw that my escrow had increased {$31.00} per month due to the sewer tax. At the time, I was dealing with a death in the family and did not research the sewer tax. 
When I received my new sewer tax in XX/XX/XXXX I called them and asked if they were paying this. They said yes. In XX/XX/XXXX XXXX XXXX sent a letter to me saying I was in arrears for the sewer tax. It was never paid. I paid the sewer tax for XXXX. When I paid it, I noticed that I had paid the sewer tax in XXXX as well. The bank never paid a sewer tax on my house ever, yet they increased my monthly escrow amount and made me pay an additional {$100.00}. 
When I called them on XX/XX/XXXX and asked for a review of the escrow account to remove the sewer tax in the calculation, it was denied because of my loan to value ratio, which has nothing to do with the sewer tax. They claim they sent me a letter indicating this but I have never received a letter from XXXX about my escrow account. I did not learn about the denial until I called them today, XX/XX/XXXX. 
In addition to this error they had another error as well in my escrow account online indicating my previous escrow amount was {$550.00}. It was not. It was {$410.00}. According to the customer service rep, that was because they were adding the {$410.00} and the {$100.00} that I paid ONCE, and used that as my old escrow amount. When I pointed out the error I got a laugh. 
I don't find the errors in my escrow account funny. This is not the first time a bank has not been able to add correctly for escrow. Seems to be an industry thing that they steal from people who are unaware that banks can't add.
Consumer complaint received 2023-03-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (TX)

I held accounts with Wells Fargo for multiple years, and found out via my bills bouncing that my both my checking and savings accounts had all been immediately closed on me with no warning. This happened about XXXX of XXXX I had money from my direct deposit from work in my checking at the time they closed it, and {$1400.00} in savings i needed in order to move into my new apartment in XXXX of XXXX 
I have attempted to go in person to a branch and get told i have to call a specific phone number. I've also called that department as directly multiple times each month since this happened. I've been told multiple times that they are mailing a check with the contents of my account, and even told they have reprinted and resent the check as well. I have given them multiple available addresses to me to mail this too as well and nothing as arrived to any of them. 
They claim that my account was flagged as " Spam '' even though I was a customer with a decent history with the company. This made me unable to access my deposits I needed to get into my new apartment and has caused many issues since. I am currently in debt for the amount they owe me so that I could secure my apartment.
Consumer complaint received 2018-02-19
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. (VA)

I have asked for debt validation on my credit report from Experian. I have requested this many times over the last 5 months and every time it comes back with " verified '' however Experian never sends me proof of this verified account. I would like this account verified or removed from my report, I would like them to send the proof that they legally have to showing HOW they verified this account, something showing where I have a contract with this debt and a signature or something showing it belonging to me. The account in question on my report is XXXX XXXX. I have sent certified letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX all requesting that I have proof of this debt and every time without proof they have verified it.
Consumer complaint received 2018-02-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Fraud scams using XXXX death record frauding scams frauding my families divorced out side documents of XXXX XXXX XXXX XXXX death record of XXXX county Indiana Frauding scams frauding using XXXX Frauding scams using land development frauding my documents a grade school documents as land development and back With ids scams and business scams
Consumer complaint received 2023-01-03
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. (CA)

I submitted a letter to XXXX and TransUnion Credit Bureaus on XX/XX/2022, to update this misleading account. I think you have not validated this account 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 XXXX Balance : {$10000.00}
Consumer complaint received 2022-02-02
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$960.00} CXXXX XXXX BANK XXXX Balance {$0.00} XXXX XXXX  XXXX Balance {$0.00}
Consumer complaint received 2023-01-03
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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-01-03
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. (GA)

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 2020-07-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I recently disputed the inquires on this report because they were not authorized by me. The auto loan related to these inquiries was removed back in XXXX due to Fraudulent activity. These inquiries should no longer be on my report. No investigation was completed and no method of validation was provided as to why these inquiries were left on my report.