davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-09
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: Experian Information Solutions Inc. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
XXXX XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 3. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX XXXX  Account Number : XXXX As a consumer by law, this account must be deleted immediately 4. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
XXXX XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 5. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once
Consumer complaint received 2015-06-12
Product: Credit card — 
Issue: APR or interest rate — 
Company: PNC Bank N.A. (DC)

As a way to improve my credit score, I signed up for a PNC credit card. I already had a bank account with them and they had been sending me offers through the mail. The idea behind this was to both raise my credit ceiling, improve my debt-to-credit ratio and to take advantage of a 1-year 0 % APR offer. I opened the card XX/XX/XXXX. 
But the card they gave me only had a {$1000.00} limit. My total credit card was about {$3000.00}. 
When I received my credit card package, I was first told that I had a 60 day grace period to move balances. So, immediately I moved over {$1000.00}. I paid it down and called back at about the 6-week period. An associate then told me that I actually had until XX/XX/XXXX to move over balances. 
So yesterday ( XX/XX/XXXX ) I called back and they told me it was actually a 90-day period through XXXX XXXX. But that I was still within that window if I wanted to do a transfer. We had gone through the transfer prompts and I had given her the information. Right before we completed the transfer, she told me that since I had just made a {$220.00} payment, she suggested I called back the next day to make sure that that had gone through. 
When I called back today, they told me that I had missed the 90-day period by 5 days and that there was nothing they could do to change it. What I do n't understand is how the woman was able to nearly complete my transaction yesterday, but today nobody had any recollection of it nor could they replicate it or show any record of the interaction at all. 
If you take them for their word, it shows that their phone tellers are absolutely clueless. If you look at it cynically, then it looks like there was an effort to stop me from utilizing the 0 % APR offer to my advantage. 
Unfortunately, I got the reference number for today 's call : XXXX. Yesterday, I had n't foreseen any difficulty.
Consumer complaint received 2015-11-24
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: PNC Bank N.A. (PA)

PNC sent the issued credit card that I applied for to a wrong address and I never received that credit card. There were XXXX over {$1200.00} fraud charges on the credit card. PNC told me that I am reliable for these fraud charges. 
On XXXX, 2015 I went to the PNC branch located in XXXX XXXX XXXX, XXXX XXXX, PA for XXXX things, ( 1 ) mailing the PIN for my PNC business debit card, ( 2 ) applying a PNC business credit card. About a week later I received the mailed PIN. But there was no any response from PNC about my credit card application. 
Around one month later ( in XXXX, 2015 ), I received a call from PNC when I was at the XXXX 's located in the XXXX, XXXX. A lady from PNC asked me to verify XXXX credit card transactions ( & gt ; {$1200.00} ) on the phone. These transactions were made using the credit card that was issued to me by PNC. I told her that I had n't received the credit card yet, how I could make a payment with it. I reported to her that were fraudulent charges. The lady then verified my address and told me that PNC had sent the credit card to the wrong address. She promised me to close the account and would issue me a new credit card. Meanwhile, she said that PNC would remove these XXXX statements from my credit card account. 
After I received and activated my new credit card, I logged in my online banking account and did see these XXXX fraudulent charges were removed. However I noticed these XXXX fraudulent charges were posted again in my PNC credit card account in XXXX XXXX. I called the customer service hotline right away for a few times. Each time I was given a different story. In my last call, the representative told me that PNC had done with the investigation and PNC had denied those over {$1200.00} charges as fraud charges. 
PNC sent the credit card to a wrong place and I never received it. Why am I reliable for these fraud charges? I enclosed my XXXX evidences of my address, XXXX is the envelope in which PNC sent PIN code in XXXX XXXX 2015. The other is the address of my business that printed out from XXXX.
Consumer complaint received 2015-06-12
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC (CA)

I had a credit card with XXXX. I paid it off in XX/XX/XXXX. Cavalry Portfolio is still showing this on my credit report. It has a date of XX/XX/XXXX. I have repeatedly asked them to correct, but they have not.
Consumer complaint received 2022-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

Experian and XXXX and XXXX have denied my multiple disputes on deleting my bankruptcy after the time it legally should be deleted. I have attached official official copies of my discharged bankruptcy! remove from my reports XXXX, Experian and XXXX asap as i have hired an attorney to handle this wrongly emotional distress situation with XXXX, XXXX and Experian. i will contact the Vice president of company in a week if this isn't handled correctly and the right way to treat someone.I have attatched multiple proof of official XXXX  XXXX dismissal date as of XX/XX/2012.
Consumer complaint received 2015-03-24
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: BB&T CORPORATION (WI)

Our auto loan company, Regional Acceptance Corporation, calls us XXXX times per day. They also call our work and they 've been told not to. We set up payment arrangements with them but they continue to call. I also told them I work XXXX shift and sleep during the day. They usually start calling around XXXX I will attach the letter I wrote to them this morning that specifies more details.
Consumer complaint received 2021-01-26
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. (TX)

My right to privacy has been infringed upon according to 15 USC 1681 ( 4 ) with this unauthorized reporting. Also no permissible purpose nor written permission was ever given to furnish any report on my behalf, if so I demand to see a signed contract.
Consumer complaint received 2016-05-10
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (VA)

I am a new customer to SLS. In XX/XX/XXXX i received a letter stating my monthly payments will be going up from a modified {$740.00} to XXXX. I called them to see why they informed me it was because of the escrow and insurance. I understand about that but im on fixed incom. I am use to my mortage going up yearly never this much and never without the option of paying it in a lump sum or spreaded out over 12 months. I have talked with every department in SLS with no sympathy. All i wanted was someone to work with me to get my monthly payment with my escrow and taxes spreaded out over 12 months so i can afford it every month not from {$740.00} to {$1100.00}. I was even told by SLS to sell my home or sell it for short sell.
Consumer complaint received 2015-03-30
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BB&T CORPORATION (NC)

XXXX : WHY BANKS SHOULD NOT OWN BROKERAGE SERVICES OR RECOMMEND ANY STOCK / BANK STOCK / WRITTEN DISCLOSURES REQUIREDDear XXXX XXXX XXXX, At the start of the XX/XX/2008 financial crises I was recommended to a Financial Adviser at BB & T, XXXX XXXX. He built trust over a period of years and became a friend, I thought. We had numerous conversations about " Capital Preservation '' and my numerous request not to be on BB & T 's solicitations financial services products and numerous conversations that my cell phone number not to utilized by BB & T 's solicitations for financial services. When BB & T offered an 8 % preferred stock offering, XXXX XXXX called and set up an IRA securities account for me. A couple of years later to conform to Dodd-Frank rules, I learned years later, I received a unsolicited call from XXXX XXXX stock associate, XXXX XXXX, XXXX strongly selling BB & T " replacement '' preferred stock a new preferred with no disclosures regarding the risk of loss, no disclosure statements, promoting his CFP ( Certified Financial Professional ) ethics, my best alternative, etc. Substantial losses occurred as BB & T customers looked for the safety of FDIC deposits only to be moved over to unscrupulous BB & T products and employees for the benefit of BB & T Dodd Frank requirements. Later other BB & T employees stated " they would not have touched selling the BBT preferred, especially after not being able to recommend the BBT common stock. '' I think XXXX XXXX, XXXX should had disclosed he was not acting in my best interest ( as required by the CFP ethics ) and even though XXXX XXXX was 100 % of the time utilizing the trusting XXXX logo, he chooses when he is utilizing the XXXX ethics. Financial brokers should be required to provide disclosure material by email or other written form, make there financial recommendations and disclosures in writing, and have executed forms of disclosure. A " Know Before You Purchase My Stock / Financial Instruments Recommendations ''. 
Further more, I understand, that XXXX XXXX on numerous occasions, circumvented my attempts to " move away '' from his services and stay within BBT. I attempted on numerous occasions to deal strictly with another broker that I had know from XXXX and XXXX XXXX and his manager, XXXX XXXX prevented my request, another CFP violation. 

Bottom Line : It appears that the banks draw in deposits with FDIC assurance and build trust with a financial adviser ; at the same time strongly push and make financial incentives for the financial adviser to transfer deposits over to the brokerage side of the bank while building trust with logos like XXXX and later claim the XXXX trust and ethics are applicable. 
Request that the CFPB make rules to stop predatory stock sales, require written disclosure and upfront cost disclosure and risk, be fair and transparent, hold the financial institution responsible for the employees services and / or dishonesty.
Consumer complaint received 2022-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

XXXX and XXXX and Equifax have denied my multiple disputes on deleting my bankruptcy after the time it legally should be deleted. I have attached official official copies of my discharged bankruptcy! remove from my reports Equifax, XXXX and XXXX asap as i have hired an attorney to handle this wrongly emotional distress situation with XXXX, Equifax and XXXX. i will contact the Vice president of company in a week if this isn't handled correctly and the right way to treat someone.I have attatched multiple proof of official XXXX. XXXX dismissal date as of XX/XX/2012.
Consumer complaint received 2024-01-25
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: Experian Information Solutions Inc. (GA)

I am writing this letter to request the removal of all hard and soft inquiries from my credit report with Experian, XXXX and XXXX, in accordance with the Fair Credit Reporting Act ( FCRA ) Section 1681g.

I have recently reviewed my credit report and noticed that there are several inquiries listed that I do not recognize. These inquiries were not authorized by me and have negatively impacted my credit score. As per the FCRA, I have the right to request the removal of these inquiries from my credit report.

I would like to remind you that under the FCRA, hard inquiries can only be made with my written consent or for a permissible purpose, such as a credit application. Soft inquiries, on the other hand, are made without my consent and do not affect my credit score. However, they still appear on my credit report and can be viewed by potential lenders, which can be misleading.

Therefore, I am requesting that all unauthorized hard and soft inquiries be removed from my credit report immediately.

I also request that you provide me with a written confirmation once the inquiries have been removed from my credit report. If you are unable to verify the inquiries, I request that they be removed within 30 days as per the FCRA. 

I appreciate your prompt attention to this matter and look forward to a positive resolution. Please do not hesitate to contact me if you require any further information or documentation. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2016-06-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (VA)

It is time for my daily complaint Equifax , we should really try to get to know each other, whom ever reads my complaints. Let me know in your reply, we might be friends once Equifax stops breaking the law and fixes my credit report. Anyway, as usual, XXXX XXXX XXXX has said they have reported nothing to Equifax and I even sent you proof that in XXXX, my wife had a XXXX XXXX XXXX account changed to her married name so how can she close XXXX in XXXX in her maiden name? XXXX XXXX XXXX debt is not mine but either way, the debt was discharged in a settlement that I have sent Equifax , and lastly I have never had a XXXX account and they have also said that they have reported nothing to Equifax. These conversations happened on XXXX XXXX, why does n't the CFPB not ask for the recordings so they can catch Equifax lying?
Consumer complaint received 2016-09-26
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE (GA)

I attempted through Western Unions online website to send {$150.00} on XX/XX/2016 to a person in the XXXX. Western Union told me that they would not process the transaction for " security concerns '' but would not tell me what those concerns were. However, they still took the money out of my account ( I used a debit card ), and have yet, 10 days later to return it there. 
As you can imagine, this is quite a swindle they have going on. With hundreds of thousands of transactions if you play this game with a percentage, and then get to hold onto the money for weeks, you can gain substantial use of other people 's money. 
This is the exact equivalent of stealing someone 's car under false pretenses, and then returning it only weeks later and acting as though that is not pure theft. 
In order for you to receive a valid response from WU here is the MTCN number XXXX.
Consumer complaint received 2022-02-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (WV)

Im filing this report due to wells fargo again failing to acknowledge my evidence and stating only the reason of a secure login as reason for denial of my claim XXXX. This is not a sufficient reason to deny claim. In fact the info i provided is more then enough to rule in my favor as numerous ppl at wells fargo has stated that it should have been. Also for the 20th time iv not recieved a phone call from the investigator nor had anyone pulled the phone call from XX/XX/XXXX where the case was acknowledged as a dispute and said to he credited the next day. Wells fargo is intentionally doing all they can to attempt to close my case even going as far as changing actual cases filed telling me im not allowed to appeal and denying claims with no evidence to do so only repeating the same onfo over and over not providing any new update on my info which clearly shows it was impossible for me to make this transaction! If someone doesnt fix this issue im goibg to ve going to extreme lengths following this letter. The third document shows a order issue where you had said that there was never a case filed ending in XXXX however clearly that sats differently which means you have violated regulation by not crediting the amount because that case went 30 days and never credited to my account at 10 days. Iv filed many reports with still 0 explanation. You would be required to credit that amount still!
Consumer complaint received 2015-09-10
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Paypal Holdings, Inc (MA)

This morning I woke up to a fraudulant charge for {$1200.00} from Venmo ( PayPal subsidiary ) through my XXXX checking account. Multiple attempts were tried, but they managed to steal {$1200.00} from my account drawing it negative. XXXX says they are stuck and can not do anything unless Venmo cancels the charge today. Otherwise I get to go through a lengthy process of disputing something, I should not be wasting my time dealing with since it should be much easier to deal with fraud charges. They ( XXXX ) knows its bogus, especially when I called them XXXX hours before their fraud team called me to inform me of a potential bogus charge. I have tried contacting everyone at PayPal and they pass the buck to XXXX ( company they bought which in turn owns Venmo ), and XXXX states they have XXXX contact with Venmo other than the XXXXXXXXXXXX email address you will only find on Venmo 's site. No contact numbers, no dispute resolution, nothing. They are a shady company clearly, and they allowed to operate with such autonomy how? Its my funds that were stolen from my account by a company I do not have an account with. So I have been emailing, tweeting, and calling everyone possible. I have all the emails that I have sent, but long and short I need someone to step up and do the right thing today.
Consumer complaint received 2016-01-04
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (GA)

I contacted CFPB two years ago about how Bayview is extorting me every month. For 2 years they contact Bayveiw that, regardless of documentation and facts, says 'no we 're not ' and this useless agency CFPB sends me a copy of this jibberish response as if they added some value by copying and sending to me. CFPB has proven to be useless, ineffective and a monkey with a copy machine could serve me better for all CFPB does or cares. 

XXXX XXXX
Consumer complaint received 2016-04-14
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Patenaude & Felix A Professional Corporation (MT)

I requested verification of debt from another collection company in XXXX. I answered a summons and pled not guilty, as they would not provide me with verification of the debt. My wages have now been garnished by another agency. I was not aware of another judgment attempt. I have contacted them, as of XXXX XXXX, for verification of debt and they told me that they had a legal garnishment and are not sure that they will be able to find the verification. They did tell me that it is XXXX XXXX, but that information did not have any meaning to me. They have not yet supplied any written documentation for verification. I believe that the debt is not only not mine, but also past the statute of limitations.
Consumer complaint received 2022-02-09
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. (TN)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2015-09-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: FORD MOTOR CREDIT CO. (ND)

Ran a credit report without my consent. I 've never given consent nor will I ever do so. Furthermore they did not notify me of this, which violates law
Consumer complaint received 2016-05-17
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY (NJ)

I have an overdraft account with TD Bank. The statements come the first week of the month with a due date the last day of the month. I will pay the balance in full by mid-month and receive a statement the following month with an interest charge even though no further draw has occurred and the previous balance was paid in full. They claim that their policy is to bill on an average monthly cycle. So even though 3/4 of the month has XXXX balance they are still collecting interest for that time period. Interest should only be calculated while a balance exists. This system makes it nearly impossible to pay in full.