davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (IL)

I discovered over 80 fraudulent checks that were written by my ex wife and her family out of my checking account with PNC bank. I brought this to the bank 's attention and got the runaround for months. At the end of their investigation I was told there was nothing they could do to rectify the situation.
Consumer complaint received 2020-10-22
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Conduent Incorporated (OK)

You can reference the other complaints that have been placed for the history on this, this is not a duplicate complaint. I just received a letter stating that they have credited the account in the amount dispute, that was again a false statement. I have their letter and my ledger showing that. How long do they go they get away with this before you acutally do something??? Then they have no re-debited my account for an amount that was not credited on that day without sending any notice, and i was recharged the same day that the full credit wasnt applied. I suppose i seek legal counsel as they are breaking the law and nothing is being done about it to stop it. i have had one rude guy call me one time. that is it, this is not protection on your end and this is theft on theirs. and it doesn't take ten days to mail a letter and you already deduct the money back before i get the letter of provisional credit?!?! come on
Consumer complaint received 2020-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Capital Accounts, LLC (DC)

Since XX/XX/XXXX I have tried on numerous occasion to have this information removed from my credit report XXXX XXXX XXXX office has reach out to Capital Accounts to have the item removed on several occassions. I have an email that was sent to capitol account requesting that the information be removed and I have a statement from the XXXX XXXX office to attest to the account is XXXX  and a email that was sent on XX/XX/XXXX XXXX XXXX. I called capital accounts to request XXXX XXXX XXXX XXXX there knows who he or she is which I don't believe. When asked if they could call the the doctors office I am told no they don do that.
Consumer complaint received 2020-06-24
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY ()

Dear Wells Fargo kindly find attached the case email sent to the FBI concerning your case for evidence reference .XXXX  XXXX XXXX XXXX -- -Original Message -- -- - From : XXXX XXXX XXXX XXXX To : XXXX XXXX Cc : XXXX XXXX XXXX XXXX Sent : Sat XXXX XX/XX/2020 XXXX am Subject : Fwd : CFPB Director XXXX XXXX TOP Urgent Dear FBI Washington Field Office, May I kindly officially submit my complaint to the FBI and please excuse me for not using the online form as this complaint includes confidential attached documents. I am presenting my complaint to The FBI for review and for possible investigation and enforcement action as there is a serious concern that Wells Fargo bank is attempting its best not to get this case investigated. Kindly ask you please to review my complaint and i thank you for your concern and for the time you took to read this case. 

With Best Regards and thank you for your understanding XXXX XXXX XXXX. 
XXXX and XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (TN)

The original owner of account is XXXX XXXX. I got notification from XXXX XXXX just recently that the account was SOLD to Midland Funding. This company buys debts for pennies on a dollar and attempt to collect full debt. I have asked them to delete debt because I never signed a contract with them which means I don't owe them any money. Why would I pay the {$550.00} when my credit limit was only {$200.00}. Midland Funding is reporting inaccurate information to the credit bureau.
Consumer complaint received 2017-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX XXXX XXXX Account # : XXXX*********** I was never late 30, 60, 90 days. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement
Consumer complaint received 2022-04-05
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # 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 2019-11-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (CA)

I opened an account online with Chase Bank in the early part of XX/XX/2019. It was a product called " The Secure Checking Account ''. About one week into my newly opened checking account with Chase, I called the bank to find out what my account balance was only to find out that my account has been frozen by their Loss Prevention department and without any explanation. The customer service representative then transferred me to the Department that made the decision to close my account so that I could get some information as to why it was being closed. When I finally got someone to answer the call, I asked them why is my account being closed because I didn't have a negative balance and I had bounced no checks since my account had been opened. The response had been that the account was sent for a review and the decision has been made by the bank to close your account. That was the only answer that I received from them. The bank refused to give me a valid reason for this unjustified and extremely unprofessional way of handling my new account with them and to treat me in such a way that made me feel like I was a criminal of some kind. I even asked them for the reason that made them decide to close my account so abruptly, and the only response that was given to me was that they would not tell me the reason why it was closed. The Bank refused to give me a valid reason for the closure of my account and they went on to further tell me that I will never find out why this was done. My account was in good standing while it was opened and it was never negative or never had I bounced any checks during this time. This is completely unfair, unjustified, and completely discriminatory of them to do such a drastic and harsh thing to me, and not even get an explanation or any kind of reason for this closure. This is definitely not right and I feel like I was totally singled out and picked on by the bank for no valid reason at all.
Consumer complaint received 2017-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX XXXX XXXX Account # : XXXX I was never late 30, 60, 90 days. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement
Consumer complaint received 2021-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I sent out letters on XX/XX/2021 in reference to inaccurate reported late payments on my student loans that are showing on my credit report. This information is misleading and false. I always make my payments on time as agreed. It has been approximately 45 days and I still have not received any communication. My information was also compromised and impacted by the Equifax data breach. It has been well over 30 days, and in section 611 ( a ) it states, that a failure to investigate these items within this time frame will result in immediate removal of these items from my credit report. I demand these late payments be immediately removed or I will seek litigation.
Consumer complaint received 2020-10-22
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (WI)

I applied for a cash-out mortgage refinance with Amerisave Mortgage Corporation in XX/XX/2020 online. I wanted to refinance my 1st lien mortgage and an outstanding Home Equity Line of Credit ( HELOC ), but I did not want to close the HELOC once it was paid off with the proceeds from the refinance. During the application, I selected the available option to keep the HELOC open after the refinance and subordinate it to the new Amerisave mortgage. I even contacted my current lender to confirm that they would sign the subordination agreement before proceeding. 

The underwriting and approval process took 3 months, I spoke and e-mailed with the loan officer ( XXXX XXXX ) several times and this point never came up. 

At closing, we were presented with several documents for signature indicating that we were requesting for the HELOC to be paid off and closed. I let the closing agent know that this was not part of the transactions and we did not sign those documents ; I was not able to get a hold of the loan officer during closing. 

I spoke to XXXX XXXX after the closing and he indicated that the loan was processed with the HELOC getting closed. I asked him how it happened, since this was not what I had applied for or agreed to. XXXX XXXX indicated that this is the selection I had made on the online application when submitting it. I asked him if he was able to share whatever record of the online application that he was seeing in his system. He said that he could not share it and did not confirm that he had a record of this. He told me that our options were to rescind the loan within the 3-day rescission period or continue with it getting funded but we would need to sing the documents that were not signed and have the HELOC closed. He suggested that we could just " re-open '' the HELOC after this loan funded. 

I spoke to XXXX XXXX the day after closing to inquire if anyone else at the company would be able to offer a different option since " re-opening '' a HELOC costs several XXXX dollars in application fees, appraisal, etc. and all that would need to happen is for Amerisave to  get a subordination agreement signed by my current lender instead. XXXX XXXX indicated that this was not an option and if we wanted that, the loan would need to be re-priced and reprocessed, which would take an additional 30-45 days. I again requested documentation that I had selected this option at application. XXXX XXXX indicated that he was no longer able to see the application in the system since the loan had gone through closing. He, however, confirmed that despite not being able to see this record, he knew that to be true.
Consumer complaint received 2020-07-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I purchase a puppy through a website on XX/XX/XXXX, sent the money through XXXX {$600.00} but never received the puppy. I have sent messages and emails to the company but no return from them. I XXXX  the company 's website for reviews to find out that the company is a fraud a scam. I called my bank and they told me that they are not responsive and I should call XXXX. I called XXXX many times but I was not able to talk to a customer service. I believe that the bank or XXXX should be responsive for allowing a scam company open an account with them. Shouldn't them be more careful and protect us, their customers?
Consumer complaint received 2020-10-09
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. (OH)

This is not my account. As I have disputed this account before. Please provide the original instrument of indebtedness, method of verification and validation of debt for this account. 

XXXX XXXX XXXX  XXXX # XXXX
Consumer complaint received 2017-12-26
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Risecredit, LLC (TX)

XXXX XXXX XXXX CALLS DAILY TRYING TO COLLECT ON A LOAN I DID NOT AGREE. RISE HAD ALL MY CURRENT INFORMATION FOR A PREVIOUS LOAN THAT I HAD AND PAID OFF WITH THEM. I HAVE ASK THE COMPANY TO SHOW ME WHERE I AGREED WITH SIGNTURE TO THE NEW LOAN TERMS. THEY HAVE SENT ME ONLINE CONTRACT DOCUMENTS. I NO LONGER HAVE THE ACCOUNT THEY CLAIM THEY SENT THE MONEY TO. I AM UNSURE HOW I WOULD EVEN BE ABLE TO RECIEVE THE FUNDS. THEY HAVE TWO DIFFERENT ACCOUNT NUMBERS REPORTING ON MY CREDIT FOR THE SAME AMOUNT BUT DIFFERENT REASONS. ACCT # XXXX SHOWS A HIGH BALANCE OF {$2000.00} AND A PAYMENT STATUS AS LATE. ACCT # XXXX SHOWS A PAYEMNT STATUS AS LATE AND CHARGED OFF AS BAD DEBT WITH A BALANCE OF {$2000.00}. AS ANYONE IT IS AGAINST THE LAW TO HAVE TWO ACCOUNTS REPORTING TO THE CREDIT AGENGIES FOR ONE ACCOUNT.
Consumer complaint received 2015-08-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Hello, I called the credit reporting agency and after they confirmed verbally that they have my chapter XXXX information on file they refused to work with me any further saying they have the right to continue to report the account as open even though it has been discharged. 
Creditor Contact Details : XXXX XXXX, XXXX ( XXXX ) XXXX
Consumer complaint received 2017-08-11
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 was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX XXXX Account # : XXXX I was never late 30 days. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement.
Consumer complaint received 2017-08-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Professionals, Inc. (MT)

I hired a local company to fix my hot tub. He completed part of the repair but then never came back to finish the repairs. I prepaid for all repairs on my credit card. Since he never came back to finish the repairs and would not return my phone calls I disputed the unfinished portion of the repair ( about half of the total credit card bill ). He then sent me to collections for the whole amount, plus another unidentified {$760.00}. The collection company has identified that I still owe the payments even after verifying payment. The said they sent me a verification of debt, which I never received. I asked them to help me understand their collection process and said I would pay what is owed, just not for uncompleted repairs and false promises. They said I owe the debt immediately and that I will be reported to the credit bureaus. I have fully contested the collections with letters dated X/XX/2017 and X/X/2017
Consumer complaint received 2020-10-12
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. (GA)

XXXX  has 2 addresses on my report that do not belong to me as well as 2 XXXX account that don't belong to me. The 2 addresses are : XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX and XXXX XXXX XXXX XXXX, XXXX, TN XXXX I have never lived in Florida or Tennessee or used A XXXX card in any of those states. I have attached 2 of the XXXX accounts from my credit report. If you look at my credit report you will see I have good credit. There are 2 addresses and 2 accounts the have been on my report now since Covid and XXXX  has violated my Fair Credit rights over and over and they are getting away with putting what ever they want on consumer credit reports. I have asked for this to be removed 6 times now since XXXX and they keep sending a computerized report saying it belongs to me. I know for a fact they didn't do an investigation because I have never lived in either one of those states. They have not sent me any updated reports in the past 2 disputes. I have tried to file a police report about the accounts. It has been impossible and frustrating trying to get something done on the phone. I filed in 2013 because a man tried to open a bank account in my name. I have not been successful at filing a report because of Covid. We cant go to the station and they are not taking calls. I guess my issue is not that important. That left me to filing a complaint. It is already a challenge living in this Covid world but now it has given the credit bureaus more excuses to put inaccurate info on our reports and not correct it. This has caused me tremendous stress and has affected me from living my life because there is something on my report that doesn't belong to me. My chase credit cards were closed because of the 2 XXXX account and XXXX said I has 6 months to get it removed and they would restore my cards. Needless to say they have not removed them and it has cost me dearly. I worked hard to keep my credit in the high XXXX and I had that before the put those accounts on my file. I had my XXXX credit cards for years and because XXXX  didn't follow the federal law I have lost both my cards and they are ignoring that they can not connect me to either one of the XXXX accounts or addresses. I want these items removed from XXXX  and XXXX XXXX. XXXX  removed both accounts and Addresses after their investigation.
Consumer complaint received 2018-09-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I mobile deposited a check on XX/XX/18 for a large amount ( {$6900.00} ) for a project/job I did. I expected there to be a hold on my funds for at most a week from Citizen 's Bank. I received a letter stating there would be a longer hold than usual. I thought, well this seems fair. They want to make sure it doesn't bounce or get returned. On XX/XX/18 I received another letter from Citizen 's Bank ( see attached ) stating that they are extending the hold of the deposit until XX/XX/18. It also stated that I would not be able to use or withdraw any of my funds from the account until then as well. What I wasn't aware of is that I also have no access to online or mobile banking. I can't even make deposits to the account or cash checks at the local branch. They totally cut me off. Because I wasn't expecting all of this ( the check has cleared and hasn't returned yet and shouldn't ) my account is now in the negative I believe. I receive checks often and now I have to pay rather large fees to cash them at check cashing places and also on mobile apps as well. I've called and asked to have online access restored but was denied.
Consumer complaint received 2022-04-05
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: Experian Information Solutions Inc. (NY)

XXXX XXXX Last Four of Social : XXXX Account Number : XXXX Dates of Delinquency : XX/XX/2019 The consumer is violating my rights under the FCRA to conduct a reasonable reinvestigation and told me via email that they do not have to response to be inquiries regarding the delinquency on my credit profile. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the FCRA requires consumer reporting agencies ( or CRAs ) to conduct a reasonable reinvestigation to determine whether disputed information in a consumers file is inaccurate. ( Thomas v. Hyundai Capital Am. ) My inquiries about the delinquencies on my credit profile are not frivolous. 
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating : Account Number : XXXX Dates of Delinquency : XX/XX/2019 Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. 

Please tell me how you verified these items. Who did you talk to at the original credit grantor? Did you write them? Was a XXXX form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. Don't provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. Also, what is the date of the commencement of delinquency? The original creditor is required to give that to you. So when is that? And when will this trade-line be past the reporting timeframe? Don't provide the generic " 7 years '' response ; I am aware of that. Tell me specifically when these accounts allegedly became delinquent, and specifically when they will be removed. Please delete let late payments on the account immediately.Please forward me an updated credit report after you have completed your Investigation and corrections. Your cooperation and prompt attention are greatly appreciated. 

Best Regards,