davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-22
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A. (MD)

Succinctly, since I am providing a Word document with all relevant details, PNC 's system did not credit my payments correctly which caused the system to think that I was delinquent. After numerous phone calls, voicemails, and attempts PNC has corrected the system but they damaged my credit report by reporting in the month of XXXX that I was late 30 days and had an incorrect balance. I submitted a dispute with XXXX and in XXXX the late reporting was gone and the balance was correctly updated however, XXXX has not been updated which has damaged my credit rating. 
I am not sure why PNC 's system was incorrect and no one at PNC could tell me either. However, they must have noticed something as they corrected it behind the scenes without speaking to me. 
The Word document attached shows the numerous phone calls, dates, and actions/inactions.
Consumer complaint received 2016-01-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Back in XXXX 2015 I submitted dispute to the credit reporting agency, however have had no luck, or received any information on why my dispute was not deleted from my report. i feel like they are ignoring my letter.
Consumer complaint received 2015-08-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NJ)

I hereby acknowledge that I am the author of all data within this complaint, and I am the owner of all accounts identified within this complaint. 

There have been several disputes submitted to Experian regarding inaccuracies with more than XXXX account ( XXXX and XXXX were submitted through this portal ). 

There are approximately XXXX accounts on file at Experian that appear tot be incomplete. They lack an Account Type, Balance, Pay History, or have a Monthly Payments that are & gt ; XXXX, when the account is either closed or - has no balance. 

Additional issues are also highlighted for an Account that I never opened, an account where the Pay Status does not equal the Pay History as well. 

My Acct with XXXX as an example ( Issues XXXX ) has been disputed previously and Experian has stated they verified this account. 

There are some XXXX accounts with no " Account Type '' Classification, when this appears to be required as part of the metro file/cdia/crrg requirements I have seen. 

1. Please verify the status of this account, as it is not accuratea. The Account Balance is inaccurateb. The Payment History is inaccurate and incompletec. The last paid date is inaccurateA summary is attached alog with screen shots from Experian 's Direct credit monitoring service.
Consumer complaint received 2022-08-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

A transfer was made into my account which I did not do and they said transaction was no good but still let it pass and the put my account into the negative XXXX dollars XXXX transaction were done that I did not do they are also had store transactions done someone somehow got a hold of my online access and when I filed a claim fraud they are still trying to blame me also they said someone had my card on there XXXX XXXX I said then how can this be done by me I said some hacked me I even ended up getting a new phone and they still wont give me my money back and this is with Bank of America in XXXX XXXX
Consumer complaint received 2022-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: BARCLAYS BANK DELAWARE (TX)

I have a XXXX XXXX XXXX XXXX managed by Barclays Bank and I made a call to Barclays Bank on XXXX XXXX regarding updating my SSN on file and they asked for me to send in documentations for them to update accordingly which I did send in via the Fax numbers ; ( XXXX / XXXX / XXXX / XXXX and XXXX XXXX addresses they gave me at different times ; XXXX XXXX XXXX, XXXX DE, XXXX / Barclays Bank Delaware, XXXX XXXX XXXX, XXXX DE, XXXX ). 
Dates : XXXX XXXX XXXX XXXX ( USPS Tracking # : XXXX ) XXXX ( USPS Tracking # : XXXX ) I have sent these requested documentations ; ( Copy of SSN card, copy of Drivers license, Letter of Request and copy of tracking numbers to Barclays Bank on multiple times ) and till date whenever I call for followup, I'm informed they have not received the documents till date and this is really impacting on my Credit Report in order for me to process some documentations with my work and bank. 
I have called multiple times to this number at the back of my XXXX : XXXX, but still no response or positive updates till this minute I'm writing this letter. 

I have tried my best possible to get a positive feedback from Barclays Bank but no positive updates has been shared with me as a customer and since I have been sending in these requested documentations and its really impacting on me. 
I will appreciate your further investigations and help in resolving my issue in ASAP. 
Thank you!!!
Consumer complaint received 2015-08-11
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: TCF NATIONAL BANK (NH)

I am not a minor. The bill collector called my parents and told them I was behind on my car and how much I owed. I contacted the company and advised them that they violated my right by calling a number they were previously told not to call and then have out my private financial information. They just did the same thing again. So they have been told multiple time not to call my parents, they still have, and now on two occasions have discussed my personal financial information and debt with them.
Consumer complaint received 2015-04-08
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Valentine and Kebartas, Inc. (CA)

Several months ago, Valentine and Kebartas, Inc. ( VKI ) began contacting me using my work cell phone number regarding the collection of a student loan debt that is not mine ( I have never carried a debt related to student fees or tuition and this simply can not be my debt ). Each time I was contacted ( at least XXXX times in the past 4 months ) I responded by indicating that, while I have the same first and last name of the individual they are seeking, I am not that person. We have different middle names, we live in different states, and we have different social security numbers ( why would I know that? see below ). In some cases their telephone representatives were rude and dismissive. In XXXX case, their telephone representative hung up on me. 

Despite my repeated attempts to dispute the claim and assert that I am not the debtor, VKI has continued to contact me by calling the main reception line at my workplace and by sending " orders of withholding from earning '' statements to my work address. These notices include the full name, address, social security number, and total amount currently due of the debtor they are seeking to collect from. 

At first I thought it was simply incompetence that led them to make repeated attempts to contact me via my work cell phone. When they began contacting our main reception line and sending XXXX Mail to my work address, I realized it is not incompetence. Through their repeated attempts to collect a debt from an individual who has made a good faith effort to inform them of their mistake, VKI has:XXXX. ) Demonstrated a clear and willful pattern of creditor harassmentXXXX. ) Negligently violated the privacy of the actual debtor by freely distributing that individual 's name, address, social security number, and " amount due '' XXXX. ) Negligently caused damage to my personal and professional reputation
Consumer complaint received 2018-03-16
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. (UT)

I have had a mortgage with XXXX  XXXX XXXX from XXXX to XX/XX/XXXX XXXX when I paid it off early in full. I have never not once in 13 years missed or been late on a payment. Back in XXXX, I was going to file bankruptcy but changed my mind and did not go to the first court date so it was dismissed that same day its like it never happened. The court has provided me paper work stating so. XXXX  XXXX XXXX WAS NOT part of the list of creditors I would have paid, had I went through with it. In fact if I were to go through with it I would have to put my house up for collateral therefore I could not claim that debt even if I wanted to. Now all 3 credit bureaus have me defaulting on a XXXX home loan under bankruptcy when I paid it off in full never late XX/XX/XXXX. XXXX XXXX XXXX is denying they are reporting me even sent me 2 letters stating they sent this information to all 3 credit bureaus on XX/XX/XXXX and again on XX/XX/XXXX XXXX. I have disputed Experian, XXXX  and XXXX XXXX 2 times to have this taken off and each time they all ( except XXXX took it off finaly ) tell me XXXX  XXXX XXXX is reporting to them as correct Bankruptcy?? How can this be when they were not part of my dismissed bankruptcy ( all I did was decided not to go through with it and now that's on my credit for 7 years. XXXX money was paid out to zero creditors ) I just called XXXX XXXX XXXX XXXX yesterday and they still are denying they are the ones who are reporting it. Plus they said they had sent in another update stating I have never not once been late or missed a payment. Then today Experian sends me a letter stating it will remain on my credit because XXXX said it's true.How can I get this solved if no one is confessing to reporting it. My last name on my mortgage was XXXX. I have since divorced and it's XXXX on my credit reports. Did someone stop to think this might be a problem causing some if the confusion? But either way I have busted my XXXX and spent hours on repairing it. I feel like neither of these companies have tried very hard or it wouldn't be on there. It's not correct information and Nice way to treat a customer that paid on time and paid the loan off early in FULL. I don't know what to do at this point. Someone is not doing their job or lying to me. I'm thoroughly disgusted how much time and effort I've had to put in trying to get this removed.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as a proof of my identity and my Proof of Address.
Consumer complaint received 2022-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (MA)

My Barclay 's JetBlue credit card was either lost or stolen on XXXX XXXX, XXXX. Between XXXX XXXX to XXXX XXXX, the credit card was used for {$2600.00} of fraudulent purchases and cash advances in the XXXX XXXX area. On XXXX XXXX I received a text message from Barclays alerting me that there was suspicious activity on my account, and I immediately called Barclays to inform them that all recent activity on my account was fraudulent and to cancel the credit card. I also submitted a form online identifying and disputing the fraudulent activity. 

After several weeks, some of the fraudulent activity was still posted to my account, and after several more phone calls to Barclays customer service, I was finally able to get all fraudulent activity tagged removed from my account. 

However, on XXXX XXXX, XXXX, I received another letter in the mail from Barclays stating that they had completed their fraud investigation and determined that some of the transactions we valid ( which they were not ). These fraudulent charges had been added back to my account. They provided me with no evidence to prove these charges were valid either in writing or on the phone. After multiple phone calls with Barclays on XXXX XXXX, XXXX, they stated they would only reopen the investigation into this fraud if I was able to file a police report, which I did that same day. 

All purchases and cash advances ( totaling {$2600.00} ) on my Barclays JetBlue credit card between XXXX XXXX and XXXX, XXXX are fraudulent and not made or approved by me. The card was either lost or stolen -- and not in my possession when these charges were made. After XXXX calls and multiple hours on the phone with Barclays customer service, some of these fraudulent charges are still on my credit card.
Consumer complaint received 2017-01-07
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (NY)

i faxed chase jp morgan two seperate times at the XXXX XXXX fax number for disputed charges only to be ignored get zero coorespondence and its a lot of money and its mine. with all the tricks out there, i dont know how they got my info. 
ill list the charges cause theirs a bunch. 
i live in XXXX, i have XXXX notirizsd letteres from XXXX seperate people, i wasnt even in XXXX from XX/XX/XXXX till post new year. not to mention guys i have the letters i never in my life stayed at the XXXX in XXXX but theirs a charge for {$1600.00} on XX/XX/XXXX which ive told chase about but did nada. all i rrequested wasa signature to verify allowance of these charges or proof my pin number was used and to this day a year later ignoring me. next couple charhes were by med places which one i dont recognize or gave auth to charge on XX/XX/XXXX for {$150.00} to XXXX never been there ... next XX/XX/XXXX XXXX XXXX XXXX for & XXXX andnog onnly did my indurance pay hin but i was three days XXXX, i was in bed ... .next XX/XX/XXXX from XXXX for XXXX..they promised the tickets i never got them and if they claim i do show me my signature caue you know they send XXXX or XXXX! same deal w/ XX/XX/XXXX from XXXX for XXXX never got the tix ... XXXX last XXXX from XX/XX/XXXX from XXXX ... i ordered the items, they were delivered signed for not by me or this house and again chase just ignoring me ...
Consumer complaint received 2015-07-28
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Optimum Outcomes, Inc. (NC)

My husband died over 2 yrs. ago leaving several medical bills unpaid. After his personal estate was reviewed by the XXXX XXXX Courts it was ruled that his estate was deficient and that his medical bills would go unpaid. XXXX XXXX XXXX sent several bills. They were informed that there was no money in the estate to cover his bills. XXXX XXXX then turned this over to Optimum Outcomes, Inc. to attempt to collect several bills. I contacted an attorney who notified Optimum Outcomes that they could not collect on the bills owing because the estate was deficient. Apparently a bill for {$280.00} was not listed in that correspondence and Optimum Outcomes began sending collection notices for that amount. I called and wrote the company that this was not my bill several times. They stopped sending notices of collection and instead had a collection report placed in my credit reports XXXX. I disputed the information with XXXX credit reporting bureaus. XXXX accepted my statement and removed the collection report from my credit report. XXXX has declined to remove the collection report as of this time.
Consumer complaint received 2022-08-15
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. (OH)

XXXX XXXX  | Account # XXXX | Balance : {$330.00} In accordance with the Fair Credit Reporting act XXXX 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 XXXX XXXX XXXX | Account # XXXX Balance : {$690.00} | In accordance with the Fair Credit Reporting act XXXX XXXX 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 XXXX XXXX | Account # XXXX | Balance : {$290.00} In accordance with the Fair Credit Reporting act XXXX 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 XXXX XXXX XXXX | Account # XXXX | Balance : {$730.00} In accordance with the Fair Credit Reporting act XXXX XXXX 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 XXXX XXXX | Account # XXXX | Balance : {$340.00} In accordance with the Fair Credit Reporting act XXXX XXXX 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 2017-01-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is a dispute with Transunion who refused to removed the IRS Tax Lien from my Transunion credit report even thou I have file many disputes informing them that this occur from fraudulent use of my personal information which was corrected by the IRS. This is hurting my credibility. IRS document attached. Transunion must delete this immediately. Thank you.
Consumer complaint received 2016-03-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

issues for years : Problem now will not show me how last payment posted always some kind of fees to make my 'Unapplied balance '' disappear. 
, I think at some point converted loan type from original XXXX, convention fixed rate to interest bearing loan '' done by servicers. that is why money is not correct, balance not going down.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (FL)

I gave statements/proof of timely payments to experian to show prompt payment to Home Point Financial. Home Point Financial sold the loan and is refuses to answer phones or address the late payment in XXXX XXXX XX/XX/year>. XXXX refuses to address the late payment information with proof of timely payment.
Consumer complaint received 2015-08-05
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

On XXXX/XXXX/XXXX, I made a payment to Wells Fargo Home Mortgage for {$3000.00} to cover XXXX payments and XXXX late fees. Wells Fargo Home Mortgage has not given me the credit for paying the late fees. I have contacted Wells Fargo Home Mortgage XXXX and each time I am told they will credit the XXXX late fees as paid but it never happens. I would also like to have a typed separate break down of how much was credited to the principle for this loan for XXXX XXXX and XXXX. I am not requesting a payment history from Wells Fargo Home Mortgage because it is a lot of job control information for employees of Wells Fargo and is hard to determine the exact amount.I am requesting for Wells Fargo Home Mortgage to review my payment history and just only give me a direct typed response of how much principle I paid on this loan in the year of XXXX, XXXX and XXXX and the interest rate. Please also for each of these years list each years typed total principle separate for my review. Please also send me a copy of all escrow disclosures for this loan. 

Thank you
Consumer complaint received 2019-02-22
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: AMERICAN EXPRESS COMPANY (MA)

To whom it may concern I want to raise this compliant to American Express Membership Reward program. I will need help to lift the freezing account so I can transfer my points. 
I were trying to transfer my American Express membership reward points to my two authorized user linked to my account ( employees, redeem points for Company travel. ) I was able to transfer points to first account. However, yesterday, XX/XX/2019 I tried to transfer second account, the website give me error. code # XXXX. Contact AMEX staff online chat, they ask me to call Membership reward program. Called the reward program and then they ask me to talk to Fraud department. This morning, XX/XX/2019, called fraud department and clear my identity, they send me back to Membership reward program. Staff in the reward program still have trouble to transfer my points. According to what he tell me, my account is under review. My account is currently freeze for any transfer points. It is very frustrated. All my points are ligament and through normal purchase. 

Thank you very much. 
Sincerely,
Consumer complaint received 2019-02-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (CT)

We had tornado damage to our house, XX/XX/XXXX & we sent our insurance check to Ditech Financial,  mortgage holder. We are asking for the final amount {$1600.00}, to be released. 
I have been in constant contact with Ditech Financial via phone & emails since I mailed our insurance checks.
Consumer complaint received 2022-08-15
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: Experian Information Solutions Inc. (SC)

In accordance with the Fair Credit Report Act XXXX XXXX XXXXXXXX XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, and XXXX XXXX XXXX Acct # XXXX have 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, also states a consumer reporting agency can not furnish account details without my written instructions. I have not given any such instructions.