davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-02
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: EQUIFAX, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Late Dates : XX/XX/XXXX Balance : {$6.00} and XXXX XXXX XXXX XXXXXXXX XXXX Opened XX/XX/XXXX Late Dates XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2022-04-25
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. (ME)

In accordance with The Fair Credit Reporting act.The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681 XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX, XXXX XXXX XXXX, CA XXXX Account # xxxxx XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Account # xxxxxxxxxx XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX account # xxxxxxxxxxxxxxxx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX account # xxxxxxxxxxxx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX account # xxxxxxxxxxxx XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A.Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items or information, other than records of conviction of crime which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2020-08-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

Date : XX/XX/2020 Mortgage Company : Mr. Cooper Attn :  Customer Relations XXXX XXXX XXXX XXXX, TX XXXX I have written and called the above mortgage company regarding {$1500.00} they took from my checking account without my permission. As of the date of this email there has been no attempts of the company to resolve this issue. 

They had an authorization to take {$450.00} monthly to pay for my mortgage. They took {$1200.00} on XX/XX/2020 and {$1200.00} in XXXX. After numerous calls and request to refund the unapproved amount they have yet to reimburse me these funds. As a senior citizen on a fixed income overcoming XXXX XXXX, this has placed me in a financial hardship. Please assist me in getting a refund of my {$1500.00}.
Consumer complaint received 2022-12-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A. (CA)

In this complain, I report two discriminations I observed when doing refinance with PNC. These kinds of discriminations are systematically implemented in PNC, from individual underwriter to their director. 

1. discriminate small lender- PNC discriminate small lender by asking for materials beyond their capabilities, for example, only accept statements printed from a website, which is discriminating the small lenders without a full functional user portal.- PNC also asking forexcessive materialsthat not usually required.

2. discriminate income source- PNC is asking for excessive materialsfor equality income, posing more restriction in the acceptedformat, style.

Beyondthis, PNC underwriter also try misleading my current lender to providemisinformation to against me. For example, asking my current lender to explain why I haven't pay the mortgage that not due yet. And PNC also asking my current lender to explain the not existing mis-payment.
Consumer complaint received 2022-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Late Dates : XX/XX/XXXX Balance : {$6.00} and XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Late Dates XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2020-04-17
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. (TX)

XXXX XXXX XXXX Account # : XXXX XXXX Account Type : Installment Installment Account Type - Detail : Secured loan Secured loan Bureau Code : Individual Individual Account Status : Paid Paid Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/2018 XX/XX/2018 Balance : {$0.00} {$0.00} No. of Months ( terms ) : 24 24 High Credit : {$1500.00} {$1500.00} Credit Limit : {$0.00} {$0.00} Past Due : {$0.00} {$0.00} Payment Status : Current Current Last Reported : XX/XX/2018 XX/XX/2018 Comments : - Closed or paid account/zero balance Secured Date Last Active : XX/XX/2018 XX/XX/2018 Date of Last Payment : XX/XX/2018 XX/XX/2018 Late Payment Status : Was 30 days late 2 time ( s ).

Was 30 days late 2 time ( s ).
Consumer complaint received 2022-10-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (UT)

Requested refund of loan payments made during pandemic under the cares act. First request was XXXX, rep said she processed it and would take up to 6 weeks. Called back on XXXX, rep said it was approved on XXXX and should see refund shortly. Called back on XXXX, rep said she will request refund and " expedite '' it. 

Company is refusing to actually process the refund. What is recourse here?
Consumer complaint received 2018-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO. (LA)

Chase XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   criminal trespassing XXXX XXXX XXXX XXXX attacking Homeowners Homeownership At XXXX XXXX XXXX. XXXX, Louisiana XXXX XXXX office of Public Affidavits And XXXX XXXX XXXX And Boarder protection Fraud Alerts Serving Federal Civil Rights Notice Lawsuit to XXXX XXXX, XXXX XXXX XXXX And XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Louisiana XXXX eviction notice verification of Family Administrators funding XXXX in the oaks of the XXXX XXXX XXXX and XXXX XXXX XXXX impacted XXXX XXXX XXXX And XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Louisiana XXXX Company 's Response We have confirmed that we are not responsible for the actions of XXXX XXXX XXXX XXXX and the XXXX XXXX Soft Mortgage program, therefore we can not respond to the issue regarding the advertising of XXXX XXXX in order to profit from the home ownership program. Chase was not involved in the application, processing, underwriting, or closing of your loan. The original lender was Chase XXXX XXXX XXXX and the loan originated on XX/XX/XXXX. On XX/XX/XXXX, we acquired the servicing of your loan in good faith, and we relied on the loan documents as proof that you understood and agreed to the terms presented. Also, we never serviced the loan for the address of XXXX XXXX XXXX, XXXX, LA XXXX, so we can not respond to the allegations of illegally being evicted. XXXX enclosed the following documents : Note Mortgage Good Faith Estimate Loan application HUD-1 Settlement Statement Truth-in-Lending Disclosure The servicing of your loan transferred to XXXX XXXX XXXX, on XX/XX/XXXX. Weve enclosed a reprinted version of the letter we sent to you on XX/XX/XXXX, to explain this. Your new servicer will answer any questions you have about the current status of the loan. You can contact the servicer at : Mail : XXXX, XXXX XXXX XXXX XXXX XXXX, MI XXXX Phone : XXXX Weve carefully reviewed the history of your loan and we have confirmed that we were consistent with our lending guidelines. We didnt find any instances of unfair tactics or attempts to deceive you regarding your loan.
Consumer complaint received 2018-11-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. ()

I have had numerous issues with Citibank failing to apply my payments to my credit card. As I live in XXXX at present, they have only one mechanism for accepting my payments -- XXXX XXXX XXXX XXXX. Most recently, I sent a XXXX XXXX XXXX XXXX Payment on Friday, XX/XX/XXXX. These payments take 15 minutes or less to send from XXXX to Citibank. However, Citibank regularly fails to promptly apply these payments. This has resulted in late fees that I have had to fight on numerous occasions in the past, when my payment is sent and received, but never applied by CitiBank. 

I contacted Citibank again today regarding Friday 's payment, and they stated that have " no record '' of a pending payment. They have made notes in my account, but I am not confident that this will be the end of the problem. 

I am exhausted from dealing with this issue. I do not want to ruin my credit score, but I am not feeling safe sending them money when they so regularly try to claim I did not send it. Each time, after hours of fighting with them and mountains of evidence that I have to collect and send them, they finally admit that it was an error on their end. I should feel safe sending money to a credit card company ; what is happening right now is no less than attempted theft.
Consumer complaint received 2018-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I have been disputing multiple negative and possible erroneous accounts with Equifax and sent them multiple letters for validation. 1st letter sent XX/XX/18 with no response. A second letter requesting validation of these accounts on XX/XX/18 with no response and finally a final letter for no response along with a request for inquiry verification was sent to Equifax on XX/XX/18. Finally on XX/XX/18 I received a letter in response to the inquiries, but even still without sufficient validation. However still no response to the validation/verification of the accounts in question.
Consumer complaint received 2022-10-25
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. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022, XX/XX/2022 2022
Consumer complaint received 2020-08-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CMG MORTGAGE, INC (RI)

I am asking for help to have CMG Financial correct my escrow account. I have sent email requests and called on XX/XX/XXXX requesting to have CMG Financial review and correct my escrow account. My escrow account only included the City Property Tax and Hazard Insurance,  nothing else. CMG Financial has decided to start paying the Fire Tax of {$970.00} which is causing a shortage in my escrow account and now they want to increase my payment for their error. I have followed the process and waiting over 30 days but they have not responded or fixed their error. I called again today and they don't know how long it will take to research and correct the issue but want me to make the increased monthly payment due to no error on my part. 

I thank you ahead of time for your help.
Consumer complaint received 2022-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I forwarded a letter to the 3 Credit Bureaus dated XX/XX/2022 to erase this suspicious information. I think you have not validated this account in agreement with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # 's XXXX ; XXXX ; XXXX, and I'm including it again. 
XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2020-08-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (NY)

On XXXX at XXXX XXXX XXXX XXXX, a Citibank client, asked XXXX XXXX  citi branch manager XXXX XXXX ( Citibank XXXX XXXX XXXX XXXX ny XXXX tel XXXX XXXX XXXX ; XXXX ) for water on XXXX because he has a XXXX problem but she refused to give him the water. She had no cause or reason to deny him but chose to be obnoxious and uncharitable. Please investigate and discipline this mean manager who would XXXX  a client if she could make a buck. The treasury gave citi millions of dollars which citi used to make millions on the stock market without investing in increased production or to benefit the masses. Without regulation this horrific type of meanness prevails despite the millions that citi has made in the stock market by borrowing from the us treasury at zero interest. Unless regulations are enforced citi employees like XXXX XXXX will XXXX clients if they can to make a profit.
Consumer complaint received 2022-10-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NJ)

My PayPal account was permanently limited in XX/XX/XXXX. I have not broken any of the user agreements or done anything wrong. I am a XXXX XXXX ; I only used my PayPal account to receive payments from my clients. I understand how important it is to review the accounts regularly to keep PayPal safe for both buyers and sellers. However, I always work in good faith and follow all the policies and user agreements as stated. I tried to contact PayPal support a few times, but they said that this decision is final and the only option I have is to wait 180 days and then withdraw my PayPal balance. After 180 days had passed, on XX/XX/XXXX, I received an email saying that my funds were eligible for withdrawal. But on XX/XX/XXXX, PayPal transferred all my money ( {$1100.00} ) to themselves. The transfer memo said XXXX damages caused by XXXX XXXX XXXX violation. I contacted PayPal support, but they couldnt even explain to me which policy I broke. I think this is completely unacceptable and is simply theft. I would like to get my money back ASAP.
Consumer complaint received 2020-04-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NY)

My mortgage originator sold my mortgage to another company called Loan Care. 
Originally I had set my account up for auto draft on THEIR website to take my monthly payment out of my checking account on the XXXX of the month. 
1stly their website doesnt allow you to view any pending payments and secondly there was one month where their system didnt take my payment out on the XXXX like they were supposed to : This was XX/XX/XXXX. I noticed the payment wasnt taken out and on the website it said my account was past due I became worried and submitted a manual payment and re-submitted the auto pay information. 
Evidently they conveniently decided to take out the auto draft after I submitted the manual payment on the XXXX. They took out the auto pay on the XXXX instead of the XXXX. This reaulted in overdraft charges amounting to well over {$100.00} on my personal banks end, because that payment got rejected a NSF fee charged, so my account was less than it was supposed to be, so additional payments became NSFd it was a cluster XXXX. 
I ended up switching banks, updated the auto pay, apparently there is a rule where you have to update your auto pay 5 business days in advance for the payment to come out of the new account for the current month so for XXXX payment, they were still gon na take it out of my old account and I had to call and ask for a supervisor to manually override this as a one time courtesy? 
Then in XXXX I did switch banks again and try to update the auto pay, again and it said that it wasnt going to take anything out until XXXX?????? So I had to call AGAIN for that to Be corrected. 
I finally said XXXX their payment system, and switched to having my banks ( XXXX  ) bill pay pay the bill. I set it up because I am paid Bi-Weekly, to take out half the mortgage payment every two weeks. I did it so on my last paycheck for XXXX it sent half the payment to them, and then my 1st paycheck XXXX it sent the other half, this way I would not be past due in any capacity. I received an automated call from them TODAY, and I was like XXXX what NOW. 
I called them and APPARENTLY the system doesnt recognize or allow partial payments, so the {$370.00} paid on the end of XXXX, went into a sub account as a suspense and then the {$370.00} for XXXX they applied towards the principle minus a {$10.00} fee for having a suspense balance????? 
So they had to manually submit a request to appropriately apply the payments, and submit an additional request to have the account coded to accept bi-weekly payments. 
Any institution Ive ever made a partial payment to takes the partial payment and applies towards what is currently due leaving whats left over to still be paid by the due date. This is asinine and its clear they have their systems set up in a way to make it difficult for consumers to EASILY make payments and To promote their banks additional fees levied for not paying on time or what have you. I hope to XXXX  I can refinance to a different mortgage company soon.
Consumer complaint received 2020-08-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (AZ)

Your company has sent a letter to the Credit Bureaus alleging verification that I was delinquent with a collection debt that I owed to you! This allegation may be in error. I would like you to send me the PROOF, assuming it exists in accordance with the FDCPA sections 809a & b.
Consumer complaint received 2018-11-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (PA)

In XX/XX/XXXX I signed up with Telephone/Internet/TV with Service Provider Name : ( XXXX XXXX ) also made a Security Deposit of at least {$150.00} which was never returned, I also contacted XXXX by telephone to discontinue service end of XX/XX/XXXX, because I was moving and also paid by bill of XXXX, XXXX which I should have received an Refund!
Consumer complaint received 2022-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to the Credit Bureaus requesting that they correct these erroenous accounts being reported on my File because they have been doing nothing! This complaint is to follow up my previous cmplaints and letters I submitted on XX/XX/XXXX and to inform them that I am halfway of taking legal action and sue Transunion for their willful non-compliance of the FCRA statute. Only if Transunion chose to update and correct the following accounts on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The accounts that should be corrected are as follows : XXXX XXXX XXXX Late Date XX/XX/XXXX, XXXX XXXX Late Date XXXX, XXXX XXXX Late Date XX/XX/XXXX
Consumer complaint received 2023-01-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CT)

While I was banking with Wells Fargo in XXXX2022 they would keep charging fees for items that I didn't have enough to cover I would put the amount in to cover it as well as enough for the item. They would take out more fees and they even went back to the ach auto payments I had and reversed the payment and put all my accounts into default.
Consumer complaint received 2018-11-11
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. (IL)

XXXX is reporting accounts that was open up fraudently in my name and refusing to remove them. Three XXXX XXXX accounts opened XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. One XXXX XXXX  open XX/XX/XXXX, One XXXX XXXX open XX/XX/XXXX. 

They are also reporting address from XXXX XXXX, IL that do not belong to me.