davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ENCORE CAPITAL GROUP INC. (AR)

MIDLAND FUNDING GOT AN ILLEGAL JUDGEMENT ON XX/XX/2008 CASE NO.XXXX XXXX, ARIZONA. THIS WAS RE-INSERTED BACK INTO MY CREDIT FILES RECENTLY!
Consumer complaint received 2018-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: HW Holding, Inc (MN)

I did try to contact rental history reports and Hunter Warfield about inaccuracies all my file and I have a court document that I sent to rental history reports about me and my daughter because she's in the household and also on the report they refused to remove it they refuse to correct the file we keep going around in circles they think it's a joke and it's not funny to me this is stopping me from getting an apartment and they just don't care Hunter Warfield is being rude and disrespectful and I've tried to explain to them what it was and I have proof but they refused to listen to me they keep talking over me and not listen to what I'm saying to them
Consumer complaint received 2021-11-11
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. (PA)

I am writing to file a compliant against PNC Bank PNC Bank Headquarters Corporate Office Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Pennsylvania XXXX United States XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX 

I am not liable for this bank fraud and I did not incur debt for XXXX that occurred on XX/XX/21. This is " Bank Fraud. '' I am not responsible for this debt. PNC failed to help me as I was told " I did not have anything to worry about. '' I later received a letter, stating the account was closed and that investigation was over, returning the cents that were in the account prior to fraud. I wrote a l letter of dispute to XXXX on XX/XX/21 asking for more validity, after receiving a letter 2 months later for debt collection that I did not occur ; after bank told me " I did not have anything to worry about. '' They responded with bank transactions, holding me still responsible. I did not incur this debt. I am seeking a lawyer for counsel for this bank fraud I am being held responsible for. I want to be extricated from this fraud and not be held responsible nor do I want it on my credit report that I worked so hard to keep in good standing. I am a victim of identity theft.
Consumer complaint received 2021-02-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America is offering loan mortgage modifications for families with reduced income or affected by COVID Pandemic. We apply for a loan modification and Bank of America did not give us any information about the new loan until we received a loan modification agreement in the mail with 4 days to sign and mail back. The terms in the loan modification are a fraud. Bank of America gave us 40 year loan with 4.875 INTEREST RATE and with a BALLON PAYMENT of {$360000.00}. 



I have called them several times and sent them a registered letter but no response. They never informed us about the loan modification terms they were offering to us. When we asked we were told that they were not allowed to give us any information. 



This is how and why people lose their homes and this is why we have so many homeless families in California. Bank of America threats customer with an iron rod. They don't care about us. We made all of our payments on time. My husband is a XXXX citizen and has XXXX XXXX problems Bank of America donates money here and there, Millions of donations here and there and they do it because they get the money from us, the customers. They don't ' care at all about the customers specially the XXXX community. This loan is a fraud and we want them to be investigated. During a Pandemic they are giving this terms? This is crazy and a fraud against our community,
Consumer complaint received 2021-05-04
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

I asked Equifax and XXXX  for a investigation for XXXX  XXXX XXXX  XXXX and they stated that they investigated and everything was accurate that is Incorrect an i was not given any information showing how they came up with this information. I was not given a signed contract with my name and XXXX XXXX and that is fraud
Consumer complaint received 2021-05-04
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. (TN)

I have noticed I have many instances of Misinformation reported about me which is fraudulent. I have no knowledge of how the misinformation of these fraudulent inquires came to be I have noticed I have many instances of Misinformation reported about me which is fraudulent. I have no knowledge of how the misinformation of these fraudulent accounts came to be. I have not authorized misuse of my personal or any information have never received any benefits of the product, or services. I filed a police report in XXXX and I filed a complaint with the Federal Trade Commission about this matter.
Consumer complaint received 2021-05-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (FL)

ON THE XXXX OF XXXX XXXX ADDED SOMEONE TO MY ACCOUNT AND DEPOSITED THEIR STIMULUS CHECK INTO THE ACCOUNT AFTER 3 DAYS THE FUNDS WHERE AVAILABLE SO I WIRHDREW HER XXXX. AND GAVE TO HER. THEN ON XX/XX/XXXX DISCOVER BANK WITHDREW XXXX OUT OF MY ACCOUNT AND SAID THE STIMULUS CHECK HAD BEEN CASHED SOMEWHERE. I HAVE ASKED THE BANK WHY THEY CLEAREDTHE CHECK AT ALL AND WHY AFTER 15 DAYS DID ALL THIS HAPPEN. ANS THEY WONT TELL ME WHY THEY CLEARED THE CHECK THEN 15 DAYS LATER WITHDREW IT OUT AND PUT ME IN THE NEGATIVE
Consumer complaint received 2021-05-04
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)

On XX/XX/21 I asked trans Union XXXX and XXXX for a investigation for XXXX XXXX XXXX  XXXX and they stated that they investigated and everything was accurate that is Incorrect an i was not given any information showing how they came up with this information. I was not given a signed contract with my name and XXXX XXXX and that is fraud.
Consumer complaint received 2021-05-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PNC Bank N.A. (OH)

I called the fraud department in XXXX once I noticed the XXXX dollars i deposited was so low i knew something weird was going on. Not only that this money came from my father that passed away XXXX its something I wouldn't of blew thru. I spoke with a lady named XXXX in fraud claim in XXXX also but she turned me down on the help I needed because I didn't have the transactions to depute besides saying this wasn't me. I went into the bank a few time made police reports been and still homeless due to this transactions aren't accurate they denied 2 appointments I made they moved my money without permission or notice then lied saying no they didn't. All I want is the proof besides the fake listing of inaccurate transactions that's not showing me accurate name nor amounts on a few transactions I'm the costumer why not give me what I need if everything accurate why dismiss 2 appointments why a manager lie saying we went over everything knowing I was emotional and the 1 1/2 was more of that til I was exhausted and called it a day went over a few transactions in XXXX when everything started in XXXX why XXXX XXXX didn't reach out for 2 months inside work being done they keep trying to cover up.
Consumer complaint received 2021-09-04
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. (SC)

Formal notice that you have failed to respond in a timely manner to my dispute letter of XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.
Consumer complaint received 2021-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

On XX/XX/2021, I contacted Experian to dispute a fraudulent charge off account with XXXX XXXX XXXX. I never had an unsecured loan with that bank. I was told that I couldn't dispute the account nor could I remove the fraudulent address associated with the account. A letter was sent to the actual creditor and they had no contract of an unsecured loan with my name and SSN. I noticed on my credit report that the account went from {$18000.00} to {$13000.00} within a couple of days from talking to Experian. On XX/XX/2021, I got an alert from Experian saying that the account was completely paid off. I never made a payment. I called Experian on XX/XX/2021, and asked to dispute the account. I was told that the account can't be disputed ever again. I asked why and was told by XXXX ( rep for Experian Special Services ) that the account had been blocked for fraud previously but XXXX XXXX XXXX sent Experian documentation of a loan in my name and SSN. I asked why Experian has never sent me this documentation and was told that I have to contact the creditor because it's not Experian job to send documentation that validates a debt.
Consumer complaint received 2020-09-20
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. (PA)

I have sent numerous disputes to Equifax regarding the misreported information on my credit file. Equifax has ignored my request to provide me with the documents that their company supposedly has on file that they claim was used to verify the inaccurate accounts I disputed. Being that they have gone past the 30-day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required by law to " promptly delete all information which can not be verified ". As I stated prior I have sent numerous disputes and each time Equifax tells me that they've contacted the company and my accounts are accurate and verified. Equifax can not verify that my accounts are accurate because the company says it's verified this is misreporting and this company does not follow proper protocols. This company has failed to accurately verify my accounts with the information they claim to have on file for me. Below are  the accounts I constantly dispute, and each time I am being told that they are accurate because the company says they are. I constantly request that the companies alleging these accounts and Equifax send me actual PROOF documents bearing my signature to substantiate the alleged account belong to me and they never send them. 

XXXX XXXX XXXX : {$550.00}
Consumer complaint received 2020-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (NY)

I contact Citibank via chat in the online banking to remove ( or set to XXXX  ) the cash advance limit on my card. 
The representative said I have to do it over the phone. 
I called, and I was told this is not an option, I don't have the option to remove cash advance limit on my card. Meaning that if the card is lost or stolen, or misused by the store/website, it could count as a cash advance with very high fees. 

She said she was going to double check, and the call was disconnected abruptly. 

These attitudes prevent me from expanding my relationship with you. XXXX XXXX did it in less than one minute online, and that is just one of the reasons they receive many thousands of dollars in business from me and my family.
Consumer complaint received 2020-09-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BBVA FINANCIAL CORPORATION (CO)

We mail our check to BBVA for our mortgage. We made the mistake of writing the correct amount of our payment in the numeric box but accidentally did not write in long form the correct amount. We were contacted my bbva and we immediately send a check for the difference. We were then contacted later saying the account is past due. The rep checked i to the payment and saw it was applied to principle. The rep stated they would fix it and we also gave them a check by phone for the difference since it had not been received. About a week later we were called saying the account is past due. We explained the concern and the rep said they see everything and to disregard the call And that they would send a letter saying it is taken care of. Now today I received a call saying my account is 34 days past due and again they ate trying to collect from me. I asked to speak with a supervisor and none were available. This company obviously is mishandling money and hurting my credit bu doing so. Please help!
Consumer complaint received 2020-09-20
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. (OH)

Re : Method of Verification Request To Whom It May Concern : I was NEVER LATE ON THESE ACCOUNTS XXXX  XXXX XXXX : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX. 
Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provide to the customer by the agency, including the business name and telephone number of the furnisher. 

In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy of the completeness of the information. 

Name, address, and telephone numbers of each person contacted regarding this alleged account was late. 

Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation along with your method of verification. 

The item in question is inaccurate and represent a very serious reporting error. I expect a to receive RESPONSE IN 15 DAYS of receipt of this letter in compliance with the FCRA. If not, I expect these late payments to be corrected in my credit files. 

Please make sure to provide Method of Verification and process used with documentation.
Consumer complaint received 2020-06-04
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. (TN)

My name is XXXX XXXX XXXX and I filed a Ftc compliant to have these fraud items removed from my credit report It has been longer than 45 days and these Items are still on my credit report. If these items arent removed in 30 days I will be forced to file a claim in small claims court to seek litigation and damages. 

FTC Compliant # XXXX usps tracking XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX Accounts listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Us Department Of Edu XXXX Dept Of EdXXXX XXXX Us Department Of Edu XXXX Dept Of Ed XXXX Dept Of EdXXXX XXXX Dept Of EdXXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept Of Education XXXX Us Department Of Edu XXXX Us Department Of Edu XXXX Dept Of Ed/XXXX   XXXX Dept Of Ed/XXXX   XXXX Dept Of Ed/XXXX   XXXX Dept Of Ed/XXXX   XXXX Dept Of EdXXXX XXXX Us Department Of Edu XXXX Us Department Of Edu XXXX Dept Of Ed/XXXX   XXXX Dept Of Ed/XXXX   XXXX Dept Of Ed/XXXX   XXXX Dept Of EdXXXX XXXX XXXX Department Of Edu XXXX Dept Of Ed/XXXX   XXXX
Consumer complaint received 2021-02-01
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. (NJ)

My Official Identity Theft and Fraud Report that was filed with the FTC, was mailed along with a notarized copy of my Identity and Victim statement of the Fraud. The Identity and Theft Fraud Report was received and signed via Certified Mail # XXXX on XX/XX/2020, then again a second time via Certified Mail # XXXX signed and delivered on XX/XX/2020. 

This certified mailing included An Official Identity Theft Report, a sworn Legal Affidavit, a sworn notarized statement of all the fraudulent accounts, as well as a Sworn notarized statement of my identity. Transunion is in violation of FCRA Section 605B ( A ) for the failure to block and suppress the Fraudulent Accounts from XXXX/XXXX and XXXX XXXX ( x2 ). Pay close attention These Fraudulent accounts are also included on a notarized victim of fraud statement. The letters and theft report clearly identifies and state all the fraudulent accounts. With that being said, Transunion is also in violation of Section 623 & Section 611 ( A ) ( 1 ) of the FCRA as well as violations of the Section 611 ( A ) ( 5 ) ( B ) ( ii ) for failure in notifying me prior to reinserting fraudulent accounts that were previously deleted on two different occassion. 

Legal action will be filed in a Court of Law. Transunion must immediately delete the identifiable fraudulent accounts highlighted in yellow upon immediately receiving this complaint or Transunions Registered Agent will be served with a notice of Legal Process in 3 days from now
Consumer complaint received 2020-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Control, LLC (GA)

I received a letter dated XX/XX/2020 from Credit Control , LLC trying to collect a debt from XXXX XXXX in the amount of {$8800.00}. On XX/XX/2020 I sent a dispute letter by certified mail to Credit Control , LLC informing them that the debt was not valid and asking for proof that I actually owe it. Credit Control , LLC received this letter on XX/XX/XXXX. On XX/XX/2020 I received my monthly credit report and saw that the debit in question was placed on my report which brought my credit score down 60 points. That same day, I contacted Credit Control , LLC to ask them to remove the fraudulent collection from my credit report. I informed them that I mailed my dispute within the allotted 30 days and that they can not place the collection on my report without proof that the debt is valid. They stated that they were told by XXXX XXXX to place it on my credit report and they they had to wait to get the proof of the debt before they would remove it, which is the opposite of how this process works. The representatives from Credit Control , LLC did not seem to understand the basic rules of credit reporting, and that their actions were illegal when they placed the collection on my report BEFORE receiving proof that it was valid.
Consumer complaint received 2020-01-25
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: Experian Information Solutions Inc. (FL)

I AM NOT LIABLE TO THE ACCOUNT BEING DISPUTED. THE ACCOUNT HAS BEEN REPORTING LATE PAYMENTS WITHOUT MY KNOWLEDGE AND I HAVE NO IDEA HOW AND WHEN THIS ACCOUNT STARTED REPORTING NEGATIVELY ON MY CREDIT REPORT. PLEASE HAVE THIS DEROGATORY MARK PERMANENTLY OFF MY CREDIT REPORT FOR IT HAS BEEN DAMAGING MY CREDIT SCORE.
Consumer complaint received 2021-07-02
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: Navient Solutions, LLC. (FL)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores.