davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX  is AGAIN, following it's racist status quo history of continuing it's negligent business practice of systemic institutional racism. They have AGAIn for the 2nd time this year erroneously inaccurately report my account number XXXX 60 days late.I have NEVER paid my mortgage account 30, or more days late!!! 

In addition, all this despite the attached documented legal forbearance agreement that I was extended, and agreed too from the date of XX/XX/XXXX to XX/XX/XXXX 3 months still in existence, and XXXX XXXX   having sold the loan per the attached XX/XX/XXXX letter notification documentation to XXXX XXXX XXXX XXXX XXXX as of XX/XX/XXXX, per Also, per the legal forbearance agreement it was/is CLEARLY stated that NO late payments, or late payment charges would be reported to the credit reporting agencies. Which is again, is evident of XXXX XXXX status quo systemic institutional racist business practice wrongly attempting to damage, and suppress my credit worthiness, and employment viability with the erroneous inaccurate late payment reporting.
Consumer complaint received 2022-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Dear CFPB, I would like to investigate the account listed below as if is not reporting correctly on my credit report XXXX XXXX XXXX I am feed up with the 3 credit bureaus XXXX XXXX XXXX, and TransUnion for not responding and rectifying my problem in a timely manner and not following the laws and rules that they agree to. I sent out letters to them on XX/XX/2022 and XX/XX/2022 and still haven't had anything done these accounts showing on my credit report is not correct. I'm asking your company to handle this matter and get these credit bureaus to correct these inaccurate accounts. From my understanding this law FCRA623 ( a ) ( 8 )
Consumer complaint received 2021-02-09
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: Mercedes Benz Financial Services (OH)

I have requested validation of debt from Mercedes Benz Financial Services from XXXXXXXX XXXX XXXX, which is reporting inaccurate and incomplete credit information in a file maintained under my social security number. I respectfully requested proof of this alleged item, specifically bearing the contract, note or other instrument bearing my signature. Under the fair debt collection practices ( FDCPA ), I have the right to request validation of debt. This is a clear violation of the fair credit reporting act, violation of the fair debt collection practices act and defamation of character. Mercedes Benz Financial Services has failed to provide validation within 30 days and I demand that all references to this account are deleted and removed from my credit file. This issue has been going on for months and is causing undue stress. I look to have this matter resolved promptly.
Consumer complaint received 2021-02-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (MO)

I checked my credit scores with three major credit reporting agencies and noticed a collection account from National Credit Adjusters on behalf of a credit card company named " XXXX '' in the amount of {$870.00}. I contacted the collection company, which has never supplied any verification or proof and who continues to be indifferent to the fact I never had or applied for such a card. I have submitted a formal complaint to the Attorney General of Kansas about this collection company as they are located in XXXX, Kansas, as well. Being penalized for something I did not do is of course, unethical and causes me time wasted and blemishes my credit. Thank you.
Consumer complaint received 2021-02-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tate and Kirlin Assoc (TX)

First Letter dated XX/XX/2021 - Tate & Kirlin Associates Inc States I owe {$3100.00} for XXXX XXXX XXXX. Current creditor on document : XXXX XXXX XXXX. Letter alleges authorized to accept 50 % of balance owed. However, I have never heard of XXXX XXXX XXXX, never received prior information regarding this alleged debt. The body of the letter does not indicate any other attempts to collect nor does it have any information regarding type of alleged debt. Body of letter states to dispute within 30 days of date of letter and they will obtain copy of a judgement and mail me a copy of such judgment or verification. 

Second Letter dated XX/XX/2021 - Tate & Kirlin Associates Inc States I owe $ XXXX for XXXX XXXX XXXX  XXXX Current creditor on document : XXXX XXXX XXXX. Letter alleges authorized to accept 50 % of balance owed. However, I have never heard of XXXX XXXX XXXX, never received prior information regarding this alleged debt. The body of the letter does not indicate any other attempts to collect nor does it have any information regarding type of alleged debt. Body of letter states to dispute within 30 days of date of letter and they will obtain copy of a judgement and mail me a copy of such judgment or verification.
Consumer complaint received 2020-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX  is AGAIN, following it's XXXX status quo history of continuing it's negligent business practice of systemic institutional racism. They have AGAIn for the 2nd time this year erroneously inaccurately report my account number XXXX 60 days late.I have NEVER paid my mortgage account 30, or more days late!!! 

In addition, all this despite the attached documented legal forbearance agreement that I was extended, and agreed too from the date of XX/XX/XXXX2020 to XX/XX/XXXX 2020 3 months still in existence, and XXXX XXXX   having sold the loan per the attached XX/XX/XXXX20 letter notification documentation to XXXX XXXX XXXX XXXX XXXX as of XX/XX/XXXX20, per Also, per the legal forbearance agreement it was/is CLEARLY stated that NO late payments, or late payment charges would be reported to the credit reporting agencies. Which is again, is evident of XXXX 's status quo systemic institutional XXXX business practice wrongly attempting to damage, and suppress my credit worthiness, and employment viability with the erroneous inaccurate late payment reporting.
Consumer complaint received 2018-06-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Lending Club Corp (FL)

I was doing online inquiry in relation to a real estate purchase and I contacted support informing them the numbers were incorrect/old and told them I submitted page to proceed only to find the terms. They did not communicate with me and continued to process the loan. They sent an email in reply to the support request the day they processed the loan. I never agreed to finalize the loan.
Consumer complaint received 2017-12-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

When I opened my checking account with Capital One 360 I was enrolled in a promotion " Open a new Capital One 360 checking account by XXXX XXXX, 2017 and receive two direct deposits of {$250.00} or more within 60 days of accepting the terms. You must also use the reference code XXXX. '' I entered the promotional code and completed the requirements of the promotion as required and never received the {$400.00} bonus stated in the terms.
Consumer complaint received 2021-02-09
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IN)

I, XXXX XXXX, sent a letter certified mail ( XXXX XXXX ) ( Equifax XXXX ), and ( XXXX - XXXX ) stating they were violating my right to privacy as a federally protected consumer due to lack of my written consent pursuant to 15 USC 1681 ( b ) ( 2 ) Permissible Purposes.

They replied how they verified the information with the creditors but I know That under 15 USC 1602 I am I n fact the original creditor under 15 USC 1602 ( g ) I will take legal action upon defamation of character and identity theft since they do nt have my written consent to furnish these items I also sent a copy of my state issued ID, SSN, and a utility bill to ensure my identity
Consumer complaint received 2017-12-09
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: MB FINANCIAL, INC. (FL)

( XXXX ) XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX SERVICES XXXX XXXX, XXXX XXXX XXXX, XXXX Auto Financing Companies XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX I went in and looked at bikes the salesman said they we NOT running any Hard Inquires. He lied XXXX these inquires showed up. He said I was in the system from before so no need to run the hard Inquire. Id like to have them removed please and I give you the permission to assist me to resolve this, and give access to my info
Consumer complaint received 2017-12-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Resurgent Capital Services L.P. (UT)

I have a Judgment against me District Court XXXX County, Civil Action No : XXXX, amount of Judgment {$850.00} plus interest. From XXXX XXXX XXXX, represented by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX. 
My girlfriend got a letter from XXXX XXXX dated XXXX/XXXX/XXXX, notifying her that a hold has been placed on her safety deposit box at XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX, Utah XXXX. The reason for this was because my name is on her safety deposit box, which has her family property in it, nothing in there is mine. I called XXXX. XXXX XXXX who is handling this for XXXX XXXX XXXX, the account in question has been closed for over a year, there is a XXXX XXXX debit card assigned to that account which has also been frozen, I explained to XXXX XXXX that all my money at that bank is Social Security monies, he told me that I had to send him the last 3 months checking account statements, that they would look at them and then decide if they would release the block. I myself have a safety deposit box there also which has been blocked from, they can have it as it only has XXXX XXXX XXXX dollars in it. I also explained that according to Section 207of the Social Security Act ( 42 U.S.C.407 ) states " The right of any person to any future payment under title shall not be transferable or assignable, at law or in equity, and none of the monies paid or payable or rights existing under this title shall be subject to execution, levy, attachment, garnishment, or orher legal process, or to the operation of any bankruptcy or insolvency law ''. Subsection 207a or 207b do not apply to this matter. 
He also refused to accept my award letter as proof from the Social Security Administration.
Consumer complaint received 2024-02-28
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: EQUIFAX, INC. (AZ)

Reviewed most recent credit report from XXXX and I noticed inquires that did not belong to me. After reaching out the companies I was advised that they didn't have a record on file of me every applying for credit with their company. The creditor advised me to contact the CRA to have the inquiry disputed and investigated as they do not have the ability to do so. 
After contacting the CRA I was meant with push-back even though I expressed the inquires in question did not belong to me and the creditors agreed the inquiries are not attached to any file or application they have with my personal accurate information. 

PER 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Consumer complaint received 2018-06-11
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. (AZ)

I have had XXXX Rewards and XXXX Rewards Club cards for many years. They are managed by Chase bank ( Chase.com ). Over the past month Chase did not allow me to see my transactions or pay my bills over the internet. I am sure they are dong this to bill me late fees as no one in the organization can answer any of my questions as to " what is going on ''. They are blocking me from their payment site. I am not sure if they discriminate against all XXXX   seniors or just doing this to collect additional fees. I appreciate any help in resolving this issue, other wise my only actions are legal discrimination suits. In the past week I have cancelled my XXXX Rewards card and most likely do the same with XXXX card.
Consumer complaint received 2018-06-11
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CO)

Last minute requests for more documents then hitting me with lock rate extensions. I applied for the loan and locked my interest rate. At the end of the rate lock Wells Fargo would ask for more documents and I would give them to them and they would have to extend rate lock and try to blame me and charge me for rate lock extension. This went on and on with up to 5 or 6 rate lock extensions until I finally let them know that I would not pay for the last rate extension. I was told that they would let me know what they were going to do. They did not let me know until I called them a week later. Thats when I was finally told that someone from the complaint department would get back with me. That was over 10 days ago and I never heard from them again. The loan I applied was a no brainer as I have banked with Wells for years, my wife and I have great credit with over 800 credit scores, and we were refinancing and paying the 1st down by about {$40000.00}.
Consumer complaint received 2018-06-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Have sent them 3 certified letters to dispute and substantiate the debt. All 3 have been ignored and no action was taken. They are in serious violation of the FCRA.

Letter # 1, Sent XX/XX/XXXX, Signed for XX/XX/XXXX, formally disputed debt, they failed to update my credit reports to indicate this within the required 30 days Letter # 2, Sent XX/XX/XXXX, Signed for XX/XX/XXXX, indicated that they violated FCRA by not updating my credit reports within the 30 days, received form letter not addressing issue Letter # 3 Sent XX/XX/XXXX, Signed for XX/XX/XXXX, requested substantiation of the debt bearing my signature, received same form letter I have retained copied of the certified letters sent, certified mail confirmation and all documentation related to this matter should you need copies or clarification.
Consumer complaint received 2017-05-25
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. (CA)

XXXX   OPENED AN ACCT IN  XXXX   XXXX . THIS ACCT WAS WAS OPENED FRAUDULENTLY WITHOUT PERMISSION OF MY INFORMATION. IT IS A CASE OF IDENTITY THEFT. THERE IS NOW A BALANCE SENT TO COLLECTION THAT IS HURTING MY CREDIT REPORT AND SCORE. I AM CURRENTLY TRYING TO FINALIZE A HOME LOAN AND AM UNABLE TO DO SO.     I CONTACTED ATT  XXXX / XXXX / XXXX  AND REVEALED THAT THIS ACCT IS NOT MINE. I WAS TOLD THAT THERE WAS AN INVESTIGATION ON IT DUE TO FRAUDULENT ACTIVITY. HOWEVER IT WAS CLOSED. I ASKED FOR IT TO BE REOPENED AND INVESTIGATED TO HAVE IT REMOVED FROM MY INFORMATION AND PULLED FROM COLLECTION. I WAS TOLD IT WOULD TAKE  5-10 BU SINESS DAYS TO BE RESOLVED.     I FOLLOWED-UP WITH A CALL TO  XXXX  ON  XXXX / XXXX / XXXX . THIS TIME I WAS TOLD THAT IT WOULD TAKE 21 DAYS TO BE RESOLVED. I TRIED EXPLAINING THAT I WAS TOLD DIFFERENTLY THAT IF THERE WAS ANYTHING TO BE DONE TO EXPEDITE IT SINCE IT WAS EFFECTING THE HOME LOAN PROCESS. " NO '' WAS THE ANSWER, UNWILLING TO EVEN BE FORTHCOMING IF ANYTHING COULD BE DONE.       Collection Agency   XXXX   XXXX   XXXX   XXXX  Original Creditor   XXXX   XXXX    XXXX  Opened Date  XXXX   XXXX ,  XXXX  Balance {$3600.00}
Consumer complaint received 2021-06-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

Received a check for XXXX from XXXX XXXX XXXX XXXX Consent Order QSF Settlement agreement/Tracking number XXXX XXXX/Loan number XXXX. Deposit was made into Wells Fargo XXXX XXXX 2021 and funds were made available the next business day. Wells Fargo then reversed the deposit mid-day and placed a XXXX day hold on on the check, which caused our account to be overdrawn {$1800.00}. I verified with the drawee bank, XXXX XXXX, that sufficient funds existed to pay the check and I verified with XXXX that the check was cashed on XX/XX/2021, since Wells Fargo indicated there was something with the maker of the check ( a national mortgage company ) Wells Fargo still has not released our funds. Wells Fargo is not a good bank.
Consumer complaint received 2017-12-09
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

Around XXXX XXXX I submitted disputes to all 3 credit bureaus asking them to verify my debt. Around XXXX XXXX or XXXX the only thing I got back was that they verified that with no proof I called all 3 credit bureaus and asked how did they verify it and where is the proof such as a contract I signed contract anything indicating that in fact this was my debt. They told me we contacted the companies I 've been explained the companies never sent me anything so I demanded that it be deleted they told me they would not do that
Consumer complaint received 2016-09-28
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (AL)

I sent request for information, about payment reversal, without three day notice, to Caliber Home Loan, and their lawyer XXXX and XXXX. I did not receive an acknowledgment of receipt as required by RESPA, furthermore they failed to respond within the required 30 days. I am attaching in .pdf format, A ) original request, B ) notice of 5 day RESPA violation, asking for explanation, C ) notice of 30 day failure to respond, in which, I ask for information requested be sent, without delay. 

I know for a fact Caliber received notice 's because they uploaded the original request in documentation as part of a response in complaint # XXXX to the CFPB, on XXXX/XXXX/16. 

Caliber Home Loans, continued arrogance, and blatant violation of rules, set forth by agencies of the US government are disturbing, troublesome, they should IMMEDIATELY, brought to the attention of regulators, and appropriate action should be taken, at once. 
.pdf # XXXX # XXXX # XXXX
Consumer complaint received 2017-09-08
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. (WA)

" Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. '' Equifax Inc. maintained improper security practices with sensitive consumer data. Signing up with " Equifaxsecurity2017.com '' further compromises consumers by requiring them to waive their right to legal recourse.
Consumer complaint received 2017-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (CA)

I called in to Fidelity Card Services through Elan Financial Services and asked them to redeem my reward points and transfer the funds to my Fidelity cash account. They said it would be two days. Three days later nothing had been deposited and was told it would be seven days. Nine days later I called and they told me sorry but it has been sent to " research '' and will take two weeks! They offer no compensation for the time I have spent resolving this which has exceeded ten hours nor have they offered to pay interest at the same rate they charge me to use the card. Not to mention the anxiety  generated having to deal with these lying thieves.
Consumer complaint received 2023-08-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: PNC Bank N.A. (GA)

WHILE THE PRIOR COMPLAINT FILED DEALT WITH FRAUD, THIS IS AN XXXX FILING AS A MEMBER OF A PROTECED CLASS A reasonable accommodation is an adjustment made in a system to accommodate or make fair the same system for an individual based on a proven need. That need can vary. Accommodations can be religious, physical, mental or emotional, academic, or employment-related, and law often mandates them. 

PNC was sent no fewer than FOUR accommodation requests, all ignored. They were also sent proof of status and submissions show a pattern of deliberate withholding of funds requested via wire transfer and why the request was made already made clear. I will post current up to date proof of XXXX to negate any claim made by PNC possible and will also over time post each demand letter sent, to whom it was sent, when it was sent and the responses should stonewalling continue to deliberately cause continued distress on. Based on past actions, PNC will continue to do nothing to resolve any of its obligations unless proof of wrongdoing is provided. As you wish, including the envelopes, tracking numbers and delivery dates. The truth does not need to remember the story and it is only the direct actions of the institution that is telling the story that had no need to be told if consumer rights were observed not exploited.