davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A. (TX)

I have an account with XXXX bank and I initiated 6 wire transfers through XXXX Bank during the period XXXX XXXX. On XXXX wired {$66000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX PNC Bank National Association . Bank address- XXXX XXXX  XXXX, XXXX XXXX NJ XXXX Account number XXXX Routing number XXXX Chase claim number XXXX XXXX The above money was wired by me to this fraudulent account through a XXXX scam. I already complained to XXXX XXXX XXXX to follow up with PNC Bank National Association to recall this wire. Despite numerous attempts, PNC Bank didn't respond i Pls see XXXX bank 's response when i raised a CFPB complaint to respond to all the wire recalls. 

We initiated a wire recall request to PNC Bank for {$66000.00}. We sent a follow-up request on XX/XX/XXXX, and did not receive a response. We sent another follow-up request on XX/XX/XXXX, but there have been no further responses received. Appreciate if you could work with PNC Bank promptly to assist with this process so we don't delay any further the wire recall process and we end up not having any funds in that account.
Consumer complaint received 2022-04-30
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. (IL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (DC)

I am writing to bring to your attention a concerning issue regarding the credit reporting agencies ' failure to correct inaccurate information on my credit report. Despite submitting documentation on XXXX XXXX, the reported inaccuracies have not been rectified, adversely affecting my creditworthiness. 

I kindly request your intervention to investigate this matter promptly and ensure that the credit reporting agencies comply with their obligation to correct and update inaccurate information in a timely manner, as stipulated by the Fair Credit Reporting Act. 

Thank you for your attention to this matter.
Consumer complaint received 2021-09-14
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. (DC)

ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Consumer complaint received 2020-09-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I was approved for a loan forbearance by Huntington Bank on XX/XX/20 for three months - XXXX, XXXX, and XXXX. I started making payments again in XXXX. Although I received confirmation from the mortgage department the end of XXXX I would receive a packet in the mail to sign authorizing an extension of my loan for the same duration, I haven't yet received documentation. Furthermore, I've receive weekly calls from XXXX requesting I call the bank immediately regarding thel loan. I've talked with the mortgage supervisor on XX/XX/20 at XXXX who assisted me to verify the debt letters I received weren't valid, as they use an automated system to generate letters. A month later, she also initiated a complaint on my behalf because calls and emails were still being sent to collect payment. Eventually, XXXX XXXX called me on XX/XX/20 to address my concerns and waive inspection fees of {$60.00} that accrued to date. He contacted an analyst to send me documentation to close out the loan forbearance on XX/XX/20 but I still haven't received documentation to date. I called him again on XX/XX/20 to inform him I still haven't received documentation. In addition, I'm still getting calls from the mortgage department and they've also have been calling my husband 's number asking for me. I told him I'm being harassed for nothing since I've been paying the mortgage since XXXX. I've called several times requesting to speak With a supervisor to no avail. I don't know what else to do because I'm being harassed for nothing!
Consumer complaint received 2019-11-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

Capital One Credit Card Division restricted all four of my credit cards with ending me a notice. Customer Service refuses to state the date of the restrictions and why. Capital One claims I am not who I am and refuses to explain why. 
Capital One Credit Card Division was hacked and I received a letter explaining my accounts were not involved and I have had no problems for all those months. NOW, it seems my accounts maybe or have been hacked but Capital One COMMITTED FRAUD against me AGAIN. IN XXXX, XXXX and XXXX ; I notified Capital One Credit Card Division, several times, about security problems in their website, they refused to do anything. I contacted your useless organization, three times ( once for each Year above ), but Consumer believed Capital One BUT later facts proved someone was and did Hack into Capital One Credit Card Division. I have, at least, two of those three letters from Consumer and Capital One calling my claims false. 
I have received NO NEW letter from Capital One EXplaining my accounts may have been hacked but Capital One NOW has restricted all four of my accounts and makes up excuses. 
The Customer Service Department LIED by stating my credit card denials were the caused BUT the credit Cards are current with no outstanding/late payments. The credit card denials are caused by the restrictions which I did not know until today XX/XX/XXXX ; when multiple cards were rejected for no reasons except the FRAUD committed by Capital One.
Consumer complaint received 2022-04-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC. (AZ)

In accordance with the Fair Credit Reporting act XXXX  Account, # XXXX, has violated my right 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 166B : A creditor may not treat a payment on a credit card account under on open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

This account is being reported inaccurately, first of all I am seeing repetitive CO late marks which is a violation also, this account is being reported positively on XXXX with no late payments while XXXX & XXXX is reporting this account as Charge off.
Consumer complaint received 2021-02-01
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. (MI)

On XX/XX/2020 I sent XXXX, XXXX, and Equifax dispute letters certified mail, they received the letters on XX/XX/2020. I have not received any response or no form of communication with any of the bureaus at all. I have not had the disputes resolved and I was told that the bureaus never received the letters until a manager told me they received them on XX/XX/2020 which I have receipt when the bureaus received the disputes letters. I would like my account updated and the disputed accounts removed.
Consumer complaint received 2022-04-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (CT)

Rocket Mortgage continues to over-withhold escrow and enforce the payment of double the correct amount on what the correct payment should be. The claim that the team is putting my loan through an " escrow analysis '' yet have refused to put any details in writing despite assuring me ( over the phone ) that the withheld amount is higher than what the taxes should be. They continue to defend their misguided escrow tax calculation by presenting me with information concerning how they arrive at the estimated amount but none of that matters because it's just WRONG. I have been told 7-10 business days on several occasions beginning around XX/XX/XXXX. That never happened. I already overpaid XXXX. At this point there is enough escrow withheld to cover the entire year of 2022. Each time I call Rocket Mortgage they continue to tell me that the escrow analysis is still in progress and that I'll receive a refund check when it's completed. Yet they will not acknowledge any of this in writing or via email. I just over-paid my first mortgage payment to them in the month of XXXX and from my past dealings with them, I would not be surprised in the least if they can not manage to correct the issue by the time my XXXX payment is due. This company is violating consumer rights. By law, they have no right to demand that I make large escrow payments which are completely inaccurate. I have also verified with the local tax authorities that they are wrong in their estimation and that there are not any planned tax increases in the fiscal year 2022.
Consumer complaint received 2019-11-14
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: Bread Financial Holdings, Inc. (PA)

Someone using my name getting a lot of credit cards like 7 credit cards with Comenity bank and a student keep coming up. This is really messing my name up and credit. I would like to get this solve. Its not fair someone stole my identity and now I must suffer I want this taken care of soon as possible and I would like a restore and all my credit be right. I shouldnt be held responsible for something I didnt do
Consumer complaint received 2021-06-09
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (CA)

I have an entry on my credit report from XXXX XXXX XXXX it says that I owe XXXX. I called them and they said I owe this money for XXXX or XXXX XXXX that I had done 2019. They wanted my personal information and I asked them how I can get this out of my credit report and kept asking for personal information. They would not give the original merchant and I believe this is a scam. I have had NO medical procedures of any kind during 2019. I am asking for this to be removed from my credit report.
Consumer complaint received 2018-02-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

On XX/XX/18 I tried to make a weekly payment using XXXX with my Fifth Third Checking Account. I received an error saying for security reason, we can not make the payment. 

I called Fifth Third, and they were deceptive saying it's because I changed a phone number on the account. ( I just removed my work number from my account profile ) And because of that, I can not use this account for 30 days. 

I then requested to speak to a supervisor, and she said the same thing ( more deception ). As my frustrations mounted, she admitted that it's because I'm a payment behind on a credit card that I have with Fifth Third, which is beyond abusive. 

I can't believe they can do this legally. Especially not being transparent and telling me truth of matter.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

On ( XX/XX/year> ) I sent an Identity theft letter to ( BANK OF AMERICA, XXXX, XXXX XXXX XXXX ). I have not received a response nor has ( ( BANK OF AMERICA, XXXX XXXX XXXX XXXX ) complied with my request which has been more than 30 days and is in violation of 15 U.S.Code 1681i ( 6 ) ( A ) and 15 U.S.Code 1681i ( a ) ( 1 ). Attached are the letters that was mailed on ( XX/XX/year> ) and an updated FTC identity theft report. To my understanding, according to FCRA, debt collectors have 30 days to respond to disputes and request made by the consumer. ( ( BANK OF AMERICA, XXXXXXXX XXXX XXXXXXXX XXXX ) have not made one call, or sent one letter in regards to disputes I've mailed to them. This is a direct violation of FCRA Section 611 ( A ) ( 1 ). Which is punishable by up to {$1000.00} in fines per violation. If any disputes per the consumer request are not met with proof or verification within the requested and lawful amount of time, this account is to be deleted from the the consumer 's report, as by lack of response and documentation requested it signifies that this account is unable to be validated or verified. This Lack of validation per the consumer request is in direct violation of FDCPA Section 809 ( b ). Attached are the letters I sent plus my updated identity theft FTC report.
Consumer complaint received 2018-02-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Recovery Services, Inc. (NJ)

I recently received a letter from Financial Recovery Services , Inc., XXXX. XXXX XXXX XXXX, MN XXXX XXXX The letter is claiming that they are collecting a debt for a company I never had debts with. They are claiming I owe {$4700.00}, and the original credit is XXXX. I've never heard of that bank in my life. They say in the letter if I even attempt to dispute the debt they will obtain a judgement against me. This is my first time hearing from Financial Recovery, and first time hearing of " my original creditor '' XXXX. I feat to communicate with this company effectively because they immedaitely threaten with a judgement prior to communicating. The letter is worded in a way that says I can file a dispute but the office of Financial Recovery Services will immediately file a judgement against me which is frighting. I am unsure that this debt it mine as I have never had any credit with whomever XXXX is. Thanks
Consumer complaint received 2018-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (PA)

In XX/XX/XXXX/XX/XX/XXXX I applied for online offer ( see attachment # 1 ) from American Express for an AMEX SPG credit card that would reward you with XXXX SPG ( Starwod Preferred Guest ) ponts, if you spent {$3000.00} within the first 3 months and an additional XXXX SPG points if you spent an additional {$2000.00} within the first 6 months. My application was approved and I was issued an SPG AMEX card ending in # XXXX. I did spend {$5000.00} within the first 6 months as advertised and I called AMEX to find out when I would receive my XXXX SPG bonus points? The AMEX rep advised that I needed to wait another 1-2 billing periods. I called back again in XX/XX/XXXX and was advised that I did not qualify for the promotion because I had an AMEX card 3 years before. On XX/XX/XXXX, I sent an email to the CEO of AMEX, XXXX XXXX, ( attachment # 2 ), explaining my disappointment with the marketing of the AMEX SPG card, as AMEX had all the information on my prior AMEX cards before approving my application for this offer, so I assumed I was approved for the AMEX card and the offer. If I had not been approved for this card, I could have applied for an AMEX SPG Business card or to a competitor 's promotional offer, rather than spending {$5000.00} with AMEX. I received a response from XXXX XXXX 's office ( attachment # 4 ) echoing the explanation given by the AMEX rep. On XX/XX/XXXX ( attachment # 3 ), I sent another email to XXXX XXXX ( Assistant to XXXX XXXX ) of AMEX, detailing why I felt that offer was deceptive or misleading and deprived me of fulfilling a promotional offer from another credit card company and AMEX 's email repeated the same response as their prior email ( Att. # 4 ) I then forwarded my complaint to the Consumer Protection Bureau of the PA Attorney General 's Office ( attachment # 5 ) .and in XX/XX/XXXX I was advised they could not resolve my complaint with AMEX ( attachment # 6 ).
Consumer complaint received 2022-02-02
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: AMERICAN EXPRESS COMPANY (NY)

I am filing a complaint against AMEX because my concern in my credit report is still not resolved. I have an account with AMEX that was opened in XX/XX/XXXX. Since then I have been 100 % on time with my payments. The account is always paid on time and always handled responsibly. I am an XXXX XXXX of the United States XXXX and usually travel according to my orders. I use the AutoPay feature to pay my bills automatically because while I am under orders, I am unable to predict the details of my mission. This account was under autopay but somehow this feature was removed or the terms were changed because the money was not taken from my account as originally agreed. I do not have any blemish on my credit except for this late payment that occurred in XX/XX/XXXX during the months of my deployment. The servicemembers Civil Relief Act usually covers and protects US soldiers from adverse effects to their finance and credit while serving in the military. I ask this to be looked into and removed from my credit report. This is the only late showing up and should not be reported because this was not my fault as I was XXXX  during the change in terms and late payment. I am also filling a XXXX complaint since this is XXXX need the late only late payment reported in XX/XX/XXXX to be removed from my credit report.till not resolved by AMEX. I also attached the copies of my deployment that you can use for investigation.
Consumer complaint received 2019-03-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (GA)

Sunrise Credit Services , Inc. reported a debt of {$2700.00} to all three credit bureaus, on XX/XX/XXXX. 

On XX/XX/XXXX I drafted a letter to this agency, officially disputing this debt. I informed them that proof of debt was needed in order to pursue this debt, and that this account was due to fraud, being that my personal information was exposed in several breaches. 
In fact the credit bureaus informed me that some of my information is on the dark web. 

At some point the tradeline for this debt was removed from my credit report. 

I received a response to my first letter to this agency, their response letter was dated XX/XX/XXXX. Enclosed, was a printout of a bill/itemized document with my address, but no apartment number. 

On XX/XX/XXXX I sent a follow up letter to Sunrise Credit Services Inc.,  informing XXXX XXXX, who's name was on their XX/XX/XXXX response letter, that A PRINTOUT OF A BILL OR ITEMIZED DOCUMENT DOES NOT CONSTITUTE VERIFICATION, as per FTC opinion letter from attorney XXXX XXXX XXXX. 
In Fact the FCRA, protects consumers, by ensuring that there is an original document, signed by the consumer. 

As of today, XX/XX/XXXX Sunrise Credit Services , Inc., has not responded to my XX/XX/XXXX letter. 

On Monday XX/XX/XXXX, Sunrise Credit Services , Inc., decided to VIOLATE THE LAW, by again, illegally Adding this Unvalidated debt to my credit file. This company did this without ever responding to my 2nd letter, which informed them that they have not validated this debt as belonging to myself. 
They boldly and blatantly disregarded the Law.
Consumer complaint received 2023-01-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Williams, Rush & Associates, LLC (TX)

Please see attached for the debt validation process I have initiated with this debt collector Williams Rush and Associates LLC. 

To summarize : XXXX XXXX  - debt collector received conditional acceptance affidavit letter by certified mail stating that I would pay based on them honoring my legally protected debt validation process. 

Reps continued to communicate with me absent of proof of claim. 

XXXX XXXX XXXX XXXX XXXX  received another certified letter, this time by a XXXX XXXX in good standing who resent my initial request and witnessed their non-response to the debt validation request. 

I have in my possession a letter from the original creditor XXXX XXXX XXXX XXXX XXXX I do not owe a balance. See attached. 

Thanks for your assistance with this matter.
Consumer complaint received 2022-04-30
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)

In accordance with the Fair Credit Reporting act U S DEPT OF EDXXXX Account XXXX 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 2022-04-30
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)

In accordance with the Fair Credit Reporting act U S DEPT OF ED/XXXX  Account XXXX 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 2022-01-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (LA)

Ive requested the accounting history, detailing past payments made or missed and was not provided any. 
Ive requested personal information associated with this account for identity purposes and was not provided any. 
Ive requested contracts signed with my signature and was not provided any.