davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-02-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (NJ)

I have reached out on multiple occasions to PNC Customer Care Center and Executive Client Services to resolve an issue of fraudulent charges that were made to my account. These charges were reported within the required 60 days per PNC Bank agreement/policy but have not been afforded a permanent refund to the account. After multiple attempts to have a caseworker resolve the matter, I forwarded a letter of the disputed history to the Case Work, XXXX. The letter included the multiple reentry dispute numbers that were assigned by the bank representatives, which were due in part to incorrect logging of the initial dispute. I believe this caused an error for PNC to deem the matter reported beyond 60 days for fraudulent charges that dated back from XX/XX/2021 o XX/XX/2021. XXXX nor the initial Case Work, XXXX XXXX returned my calls with any explanations of the details or outcome of their investigation. I have only received computer-generated letters indicating that the matter was resolved and my refund denied because it was not reported within the 60 days. I have bank statements and chronological documentation that proves I reported the fraudulent charges within days of discovery. I feel I have been intentionally given the runaround and all the representatives offer is to repeatedly re-enter the same dispute under a new case number. I have lost a total of {$850.00} from fraudulent transactions to my account, which the bank representatives have acknowledged, yet will not honor a refund.
Consumer complaint received 2016-10-17
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: WELLS FARGO & COMPANY (CA)

My company opened a credit card with Wells Fargo at time of conception for myself, 100 % owner and guarantor of finances, and a signature only credit card for the secretary of the corporation, no ownership and no financial responsibility to the company. Being new to how a corporation credit card should be opened we believed it was done correctly. 
However when the secretary resigned I tried to close the credit card that was never activated and take him off the account to only be informed that he was placed as a guarantor of the corporation and the only way he could be removed is to payoff the card and open a new one. 
Was this fraud? Did the young man get paid for doing this? 
1 ) card was improperly opened 2 ) closing and reopening an established card causes a lot of issues to creditors and to my credit.
Consumer complaint received 2016-10-14
Product: Other financial service — Money order
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE (TX)

I PURCHASED A MONEY ORDER TO PAY MY RENT ON XX/XX/2016. THE MONEY ORDER WAS LOST AFTER i MADE OUT THE MONEY ORDER TO " XXXX XXXX XXXX ''. WHEN THE MONEY ORDER WAS LOST, I MAILED A LETTER WITH COPIES OF THE FRONT OF THE MONEY ORDER AND THE MONEY ORDER RECEIPT TO WESTERN UNION FINANCIAL SERVICES IN XXXX COLORADO. ACCORDING TO THE USPS THAT WAS RECEIVED ON XX/XX/2016. I HAVE CALLED THE CORPORATE OFFICE 3 DIFFERENT TIMES AND I HAVE EMAILED THE REQUIRED DOCUMENTATION, AND I STILL CAN NOT GET A STRAIGHT ANSWER. i AM XXXX, LIVE ALONE AND I AM BEING EVICTED. PLEASE HELP ME.
Consumer complaint received 2015-04-07
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: ENCORE CAPITAL GROUP INC. (PA)

ASSET ACCEPTANCE IS REPORTING INACCURATE, INJURIOUS INFORMATION TO ALL XXXX CREDIT BUREAUS XXXX, XXXX XXXX AND XXXX. 
THE FIRST CONTACT I HAD WITH THEM IS WHEN I NOTICED THE INACCURATE INJURIOUS INFORMATION ON MY CREDIT REPORTS.I THEN MAILED A VALIDATION NOTICE TO THEM VIA CERTIFIED MAIL AND ASSET ACCEPTANCE RESPONDED STATING THAT THEY COULD NOT RECOGNIZE THE SIGNIFICANCE OF MY COMMUNICATION PERTAINING TO SECTION XXXX OF THE FAIR DEBT COLLECTION PRACTICES ACT.THIS COMPANY BASICALLY STATED THAT THEY DID NOT KNOW WHAT I WANTED THEM TO DO. 
THIS COMPANY IS BLATANBTLY AND INACCURATELY ATTEMPTING TO COLLECT XXXX FROM ME AND I HAVE NO KNOWLEDGE OF THIS ALLEDGED DEBT.THIS COMPANY IS ALSO REPORTING THIS DEBT AS A " FACTORINGACCOUNT '' AS THE " TYPE OF LOAN " WHICH IS FALSE! 
ASSET ACEPTANCE IS ALSO REPORTING THIS DEBT AS '' OPEN '' WHICH IS ALSO FALSE AND THIS COMPANY SHOULD BE HELD ACCOUNTABLE FOR REPORTING ILLEGAL, INJURIOUS AND FALSE INFORMATION THAT IS JEOPARDIZING MY CREDIT AND OVERALL FINANCIAL STATUS.I THANK THE CONSUMER FINANCIAL PROTECTION BUREAU IN ADVANCE FOR ITS ASSISTANCE IN WHAT IS A VERY FRUSTRATING SITUATION FOR ME AFTER HAVING TO FILE THIS COMPLAINT AND PLACE DISPUTES WITH ALL XXXX CREDIT BUREAUS.
Consumer complaint received 2017-02-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: MRS BPO, LLC (NY)

XXXX had a billing issue when I moved several years ago, and " could n't find me in the system '' despite the fact that I was still a paying customer at a different address. So they submitted a {$90.00} debt ( which I did validly owe ) to debt collections. Got a phone call from the debt collections agency, called XXXX, and then I paid the debt immediately to XXXX, and the whole issue should have gone away. 

Now, 3 times subsequently, the same {$90.00} charge supposedly attributed to XXXX has gone to a new debt collection agencies. Each time I call XXXX, and they claim that they have nothing to do with it. 

I 've contested the collections notice with XXXX and XXXX and they still pop up. 

It 's outrageous, and it 's hurting my credit rating. I have no idea what to do.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing to express my deep concern and dissatisfaction regarding the handling of fraudulent items on my account with Credit Bureaus. Despite reporting these unauthorized transactions promptly, I am dismayed by the prolonged delay in their removal, causing undue stress and inconvenience. 

I discovered fraudulent transactions on my account statement, which were not authorized by me. Immediately upon discovery, I notified your company 's customer service department and filed a report detailing these fraudulent activities. However, I am disappointed by the lack of urgency and efficiency in resolving this matter. 

As a loyal customer, I expect timely action to rectify such issues and protect my financial interests. The continued presence of these fraudulent items not only undermines my trust in your company but also poses a significant risk to my financial security. 

I urge you to prioritize the immediate removal of these fraudulent transactions from my account and take proactive measures to prevent similar occurrences in the future. Additionally, I request transparent communication throughout the resolution process to ensure clarity and accountability. 

Failure to address this matter promptly will compel me to explore alternative avenues to protect my rights as a consumer, including but not limited to seeking assistance from regulatory authorities and legal counsel. I am asking for your assisstance to remove these fraud items in my credit file : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-10
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. (NC)

I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.
Consumer complaint received 2016-08-18
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

In XXXX, I applied for unemployment in California, they issued a debit card from Bank of America, on which I would be receiving my payments. I finally applied for my tax return in XXXX, the amount of payments that XXXX in California said that I was suppose to receive is in conflict with what I actually received. Asked Bank of America three times to e-mail me the print-outs for XXXX of the deposits made by XXXX unemployment in California to my debit card. This is time sensitive because the IRS has given me certain amount of time to straighten this problem out. The first e-mail I received was only for XXXX XXXX deposits. Called Bank of America again, the second e-mail the print-out was compressed, could not make out what was a deposit or purchase or anything, called Bank of America one more time, they said they would send out the e-mail, did not receive the e-mail. I need this information as soon as possible that I may make sure that the deposits the unemployment made are the same with the records what I have to be able to do my tax return correctly for XXXX. Would like to receive a phone call when they e-mail this information for the fourth time. Thank you.
Consumer complaint received 2015-11-17
Product: Credit card — 
Issue: Rewards — 
Company: DISCOVER BANK (NV)

In XXXX, 2015, I began corresponding with Discover card services, through their online messaging center, about rebates I did not get for products purchased through their site forwarded to XXXX to get the rebate promised by Discover. I followed all of their protocols and there is NO way for a consumer to know if the rebates were paid for any specific item. There was a list of at least XXXX items I did not receive a rebate for. After my thoroughly documenting all the purchases, dates, numbers etc., they are still contesting many of them, and others they said 'were paid ' but I have no way of knowing what item it was. I feel they are not paying on the rebates legitimately earned.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-02-22
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. (IL)

I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax, XXXX and XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Consumer complaint received 2017-05-22
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. (CA)

I have provided both  XXXX  and Experian with police reports and affidavit from the FTC they have stated the information provided was not good enough to investigate these accounts. I submitted documents in accordance to the FCRA and they have refused to adhere.   They are stating that the police report or affidavit has to be signed by an officer, when the police department has accepted the report and provided a verifiable police number online. If the CRA is doing a proper investigation they will be able to verify the police report number through the  XXXX  Police Department.
Consumer complaint received 2016-07-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My name is XXXX XXXX and Bank of America is trying to put an Escrow on the account for taxes. I sent the taxes and they sent them back because an period was n't right place on the check.They sent it back to me to fix it. I did but forgot to mail it back because my daughter was founded to have XXXX she was our first choice to see about she was very sick. when I did set down to read mail, I answer, called themt and paid the taxes. when I got ready to pay the mortgage they put and Escrow on the account. All the rest of the taxes is paid and insurance is paid up. We have never been late on mortgage, taxes behind in insurance, For fourteen years they left my wife off the contract, I mean the buyer contract. I want her name on our contract.
Consumer complaint received 2015-07-16
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

the issue is with countywide mortgage in 2007 my mortgage jump from XXXX to XXXX without being told or to send me a letter.i been fighting this over 5years i sent papers to countrywide asking way this is happening? never got true answer they gave me the run around someone in customer service told me if i dont pay the XXXX that they wold foreclose on my home.at the i didnt know countrywide was being indicted for mortgage fraud then i received a letter from bank of america to send my payments to them when i them that countrywide had overcharge me they didnt want to here that they didnt help.i always thought my family would be protected by the GOV.having a FHA loan.i fill like CFPB didnt give my family the help we deserve.I ) ve even sent a letter to the C.E.O Mr.Mahayan of BOFA never got a answer back.I would love to a refund from due to countrywide mortgage now own by BOFA to pay back for the overcharging.they gave me explanation of why countrywide went up on my mortgage am total disable now.couldnt afford to pay this extra XXXX ieven contacted XXXX XXXX news asking for help.i hope and pray that my family will get backthe benefits owe to us.Am gon na give to CFPB my mailing address and my loan # with countrywide mortgage now BOFA i have the same account # is XXXX my address XXXX XXXX XXXX XXXX phone # XXXX please call or write if you need more info.PLEASE HELP XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-03
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: EQUIFAX, INC. (TX)

XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$350.00} n ordnance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-09-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXXXXXX XXXX XXXX $ XXXX XXXX XXXX XXXX XXXXXXXX {$350.00} n ordnance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-02-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (SD)

Customer Service, On XX/XX/XXXX a deposit was made to my joint checking account aXXXX XXXX XXXX XXXX XXXX  XXXX XXXX AZ, consisting of XXXX checks listed below. All checks in the above mentioned deposit consisted of return on investments. 

XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX Bank XXXX XXXX XXXX account number XXXX check number XXXX amount {$210.00} dated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX account number XXXX check number XXXX amount {$710.00} dated XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX account number XXXX check number XXXX amount {$1100.00} dated XX/XX/XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : ( XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX account number XXXX check number XXXX amount {$9200.00} dated XX/XX/XXXX XXXX, XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : ( XXXX ) XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX account number XXXX check number XXXX amount {$42000.00} dated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Operating Account XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX check number XXXX amount {$29000.00} dated XX/XX/XXXX Pay to the order of XXXX and XXXX XXXX Prior to making the above deposit there was a balance of {$6100.00} in the account. The above deposit totaled {$84000.00}. On XX/XX/XXXX my account had a total of {$90000.00}. 
Chase Bank informed me a hold had been placed on my checking account including the funds in my account prior to the deposit made on XX/XX/XXXX. On XX/XX/XXXX Chase Bank sent me a letter stating they have blocked my account and will close it soon. 
On the Chase Bank XXXX XXXX, XX/XX/XXXX is the Date when the funds were available. I went to the Chase Bank branch in XXXX XXXXXXXX XXXX, XXXX AZ, to find out the account was closed. They were going to send me a check for the {$6100.00}. 
I have since received the {$6100.00}, funds that were in the account before the deposit. 
I have made numerous phone calls to a Chase Bank phone number XXXX Option XXXX. They have informed me they can not verify the Maker of the Check. I have given Chase Bank the phone number of the company 's which they have said they can not use. 
XX/XX/XXXX All checks were cashed by Chase Bank. 
As of today Chase Bank is holding our money.
Consumer complaint received 2016-12-15
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (TX)

I bought home and it has been transferred to Chase bank under M e r s. 
Chase did not report a lot of my payments. I had to file bankruptcy to keep Chase from stealing my home. I paid my home and I have been asking Chase to send me all of my statements but they refuse. I have equity in my home that was stolen. This is so wrong. Please Help Me!!!
Consumer complaint received 2016-09-19
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo is illegally attempting to bill me for the amount of {$480.00} plus {$15.00} late fee charge for a charge/balance that I do not owe. I closed my credit card account on XXXX XXXX, 2016 with a zero dollar balance and did not make any purchases or charges prior to my final statement closing. The charge is erroneous and fraudulent. My balance needs to be zeroed out.
Consumer complaint received 2015-08-19
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC (FL)

I applied for a loan, I was told that I would get a 7.5 % interest refinance loan after all me person information was submitted at the last min. I was told that they could only do a 11.5 % interest Loan, The appraisal price was inflated, Loan to income ratio was ignored. I was told to discontinue my current loan payments because it would throw off the numbersand Other predatory practices