davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-05
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. (CA)

I, XXXX XXXX, sent a letter to the 3 bureaus asking them to look into an item on my report that is false and misleading. It has been over 45 days since i sent my letter to XXXX, Equifax and XXXX. I have not heard back yet. I am aware that the bureaus have 30 day to investigate and send me an updated report with their response or they have to delete the items from my credit report.
Consumer complaint received 2022-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (TX)

XX/XX/2022 Chase Bank XXXX XXXX XXXX I am the victim of an online fraud. The vendor did not take credit cards and asked that we pay using XXXX. 

XX/XX/2022 We reached out to Chase Bank to report the fraud. Chase claims due to " privacy '' they are not allowed to disclose details of the recipient the company that defrauded us. 

XX/XX/2022 The vendor refused to provide a tracking number and insisted our package was received.
Consumer complaint received 2022-04-05
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)

I have requested for validation of the accuracy of how they're reporting on my account. It's reporting that my account is paid, but late at the same time. I don't understand how I can be late on a paid account. I have asked, via letter for this to be updated to paid as agreed, never late. PLease correct the errors as it violates section 1623 of the USC accuracy of reporting.
Consumer complaint received 2022-04-05
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. (FL)

I Try submitting my FTC report to this companies online dispute portal. Every time I try to submit my FTC report they dont allow me to so now Im going to send it through the CFPB. 

This is a lousy company who doesnt do any investigations and want to willfully not comply to remove any accounts that are negative. 

My FTC report is attached along with my Social Security card and license.
Consumer complaint received 2022-10-21
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. (NV)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2022-10-21
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC. (AZ)

Our vehicle is in the process of being repurchsed by the manufacturer. In order for the manufacturer to pay off the loan, we need a " Payoff Quote '' with the vehicle VIN Number and Account Number. The " Payoff Quote '' on the Ally Financial Website does not provide this information. We have called Ally Financial 4 Times, and each time they state that they will fax a " Payoff Quote '' to us. They have not done so. We can not get the loan paid off until they provide us an accurate " Payoff Quote. ''
Consumer complaint received 2022-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (FL)

Citibank is not honoring their cash bonus on new accounts Opened account on XX/XX/2022 Deposited $ XXXX to benefit from $ XXXX cash bonus as advertised. 
I have maintained this balance since XX/XX/2022 and beyond the 60 consecutive days as required by Citibank Citibank should have deposited the bonus within 90 days and has failed to do so. 

I called Citibank in XX/XX/2022 and they confirmed that the bonus would be credited within the 90 days I called again today XX/XX/2022 and Citibank now claims that " no promotion is attached to the account ''
Consumer complaint received 2022-10-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CMG MORTGAGE, INC (GA)

CMG Financial, XXXX XXXX XXXX, XXXX NJ XXXX has made mistakes with the escrow account. These mistakes started when they started servicing the loan. There mistakes contributed to the escrow account shortage. They sent notification of escrow shortage in the amount of {$1400.00} which is incorrect. This error would have caused my monthly payment to increase from {$660.00} to {$800.00}. I asked them to review the account and make corrections, they responded with a shortage of {$980.00} which is also incorrect. This shortage amount caused my monthly payment to increase from {$660.00} to {$760.00}. I was never given the correct shortage amount. I was never given the option to " pre-pay '' escrow along with the correct shortage amount to keep my monthly mortgage payment from increasing. Transactions appeared on escrow summary statement that I questioned and they did not provide an answer for those transactions. I wasn't given all the information requested in my letter.
Consumer complaint received 2022-04-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP (HI)

My husband & I are in the final stages of closing escrow on a new home. We were waiting for the wiring instructions as this was a cash purchase. We received the wire instructions for our escrow agent as well as an email from our real estate agent asking us to confirm receipt of the wire instructions. We responded we had and wired the money that day according to the instructions. Both emails looked exactly like previous emails from both our realtor and escrow company so we were not suspicious. We wired funds on Wednesday, XX/XX/XXXX. On Friday I contacted the escrow company VP to complain that my agent was not returning calls and that we had not been given the signing date as promised. He informed me that they had not sent wire instructions and that our {$580000.00} had been sent to a fraudulent company. The escrow company reviewed everything we were sent and were amazed at how the fraudsters were able to clone their own documents. We contacted our bank and reported the fraud on Friday, XX/XX/XXXX. my banks fraud department contacted US Bank oXXXX XXXX, CA ( the receiving bank ) and requested a recall based on fraud. At this point XXXX Bank has not made the decision to return our funds.
Consumer complaint received 2016-10-31
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (IL)

Ocwen Loan Servicer for XXXX XXXX, refused to honor the mortgage modification agreement that I entered into with XXXX XXXX. Instead they filed a complaint to foreclose on my home. Despite me repeatedly telling them that I had a modification, they ignored me. Now my home has been foreclosed on and sold at a sheriff 's sale. When I told the court that I did not receive notice of the sale, the bank is saying that they need only show that they mailed me the notice. I legitimately had problems receiving mail at my home. But the real issue is that I should never have been in court, because, I already had a modification agreement that was not honored by Ocwen and XXXX XXXX. Then once I complained, they tried to get me to sign another modification agreement with different terms.
Consumer complaint received 2015-09-25
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Herbert P. Sears Co., Inc. (AZ)

This debitor continues to reage this illegitimate debt on my credit report resulting in my scores to plummet. The debt reaging is done without my consent! 

HP SEARSXXXX XXXX XXXX XXXXXX/XX/XXXXOpen $ XXXXAccount DetailsLast Reported XX/XX/XXXXCollection Agency HP SEARSOriginal Creditor XXXX XXXX XXXXStatus OpenOpened Date XX/XX/XXXXClosed Date -- Responsibility IndividualBalance $ XXXXHigh Balance $ XXXXRemarks Account information disputed by consumer, meets FCRA requirements
Consumer complaint received 2022-04-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc. (NY)

On or about XX/XX/XXXX, I received notice that some information changed on my credit report from XXXX. I immediately contacted XXXX, to see what this was all about. It appears that a private school by the name of XXXX XXXX XXXX XXXX, claimed that I had an outstanding obligation in the amount of ( {$2000.00} ) XXXX XXXXXXXX XXXX XXXXXXXX XXXX Dollars. I filed a dispute with XXXX, because I knew that this wasn't my account and it was incorrect because the school closed its doors in XXXX, and changed its name to XXXX XXXX. After the debt validation period with XXXX they removed this fraudulent matter off my consumer credit file. Next, On XX/XX/XXXX the mattered re-appeared on my consumer credit file again ; this time it was a different collection agency., TekCollect, out of XXXX XXXX OH. I contacted TekCollect directly to inform them that this was an improper collection and the account had been removed previously as did not belong to me, and requested that they delete this from my credit file and I would be sending them a request in writing. I further explained to TekCollect, the violation my rights under FCRA ,15 U.S.C. 1681 and the FCRA, the Furnisher Rule 12 C.F.R. 1022.40-1022.43. TekCollect, has engaged in " Debt Parking or Passive Collection '', tactics here. They placed this collection on my consumer credit file first with XXXX, and XXXX. on XX/XX/XXXX and then mailed me a demand letter on XX/XX/XXXX. I have brought this to the companies attention ; along with the fact that this is not my account no response from TekCollect. I sent a certified debt validation letter, demanding a removal of this account from my consumer file and copies of all sign contracts here - no response. I'm a single father of XXXX children, and can't afford to have my consumer file damaged like this. I have been in contact with the XXXX XXXX XXXX XXXX XXXXXXXX XXXX ; and they indicated to me that the school closed in XXXX and became XXXX XXXX, which closed in XXXX, and they have no unpaid invoices in my name. Lastly, TekCollect Inc. XXXXXXXX XXXX XXXX XXXXXXXX, OH XXXX @ XXXX, needs to be stopped from engaging in these type of unethical practices. 
TekCollect Inc. Has placed this matter on my consumer file under the reference number of XXXX ; and when you call them they say this number is not a valid account number for their company. The XXXXXXXX XXXX XXXX XXXX, also indicate this isn't a valid account number for their organization as well.
Consumer complaint received 2022-04-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: PNC Bank N.A. (NC)

PNC is actively reporting a line of credit as a defaulted and charged off mortgage to the credit bureaus. It is being classified as an M9 by the credit bureaus. After numerous attempts, there is no one individual at PNC who can navigate an issue from XXXX when PNC inherited the errors. 


I first spoke with Customer Service ( XXXX, XXXX, XXXX @ XXXX ext. XXXX ) and said I had the Recorded instrument with the Satisfied Stamp to prove the equity line was paid off in XXXX. One individual told me they arent XXXX XXXX but PNC, not knowing of prior mergers. All were unable to help and did not call me back. 

My second attempt with an XXXX XXXX was unsuccessful so I contacted a local branch with a Mortgage Broker office. There I spoke with XXXX XXXX ( XXXX ) XXXX. He informed me there was nothing that could be done and failed to provide any avenue to help resolve the error. 

Overview of error : With the many mergers ( XXXX became RBCXXXX XXXX then RBC Bank XXXX then PNC ) there was an error in the transitioning. 
The original credit line was opened with XXXX as an Equity Line for {$80000.00}. This was paid in full XXXX of XXXX. 
There is public documentation of RBCXXXX Certificate of Satisfaction for the Equity Line, paid in XX/XX/XXXX with the Register of Deeds ; with the merger of the two banks this has been overlooked by PNC. 
There is public documentation of the property used to secure the Equity Line being sold and transferred free of liens to the new owners XX/XX/XXXX. 
The account was then converted to an open line of credit, paid in full XX/XX/XXXX. 
We have not, nor ever have defaulted on a mortgage or credit line. 

We have documents showing a clear paper trail that begins with an equity line secured with property, a filed note of satisfaction from the payoff, a bank statement showing a zero balance and a clean transfer of ownership to the new owners, all ending in XX/XX/XXXX. 

The current RBC/PNC reporting to the credit bureaus needs to be changed from a charged off mortgage to a paid in full line of credit from XX/XX/XXXX up to the payoff in XX/XX/XXXX. 

Because of the age of these transactions, we were not aware of the reporting code M9. We had no need to apply for credit until we were refinancing our home in XXXX of XXXX, which was when we were informed how detrimental this error was to our credit report. In the end, it cost us points on our new mortgage and have probably had poor credit scores due to our supposed default of a mortgage.
Consumer complaint received 2022-10-21
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. (SC)

Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account
Consumer complaint received 2022-10-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (TN)

I have a Venmo account that has unauthorized transaction I reported they refunded my money but locked my account so I'm not able to get my funds off I been emailing calling chats for over a week straight and still no one has resolved my case
Consumer complaint received 2022-04-05
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. (RI)

I noticed XXXX hard inquiries that do not belong to me. I contacted all three credit bureaus and put an investigation, which resolved nothing. 

The hard inquiries in question are : 1- XXXX 2- XXXX I also tried to get it removed by contacting the actual companies who did this inquiries and was told to dispute it with my credit reporting bureaus.
Consumer complaint received 2022-04-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (PA)

On today XX/XX/2022 I went to the PNC Bank @ XXXX XXXX XXXX XXXX Pa XXXX. To deposit funds into my Savings Account. After a brief wait I was called to the window by a XXXX female teller who was dressed in all black. And the first question she asked me was. Why didnt you use the ATM? After knowing the fact that here In XXXX theres an increase of armed robberies and senseless killings here in XXXX Pa. At various Banks including PNC ATMS. And since I happen to be an immediate family member of a Murdered Victim so its a personal and heartless offense against me as a PNC Bank Customer. And when I addressed the question to the Bank Teller on why did she ask me that question? She responded in a irresponsible and arrogant way. Now this isnt the first time when Ive been disrespected by a PNC Bank Employee because sometime ago at the local neighborhood bank @ XXXX XXXX XXXX XXXX XXXX XXXX the then XXXX Bank XXXX had asked me the same question after already knowing the high XXXX on XXXX crime wave in this community. Once again these are nothing but continued harassment and retaliation tactics
Consumer complaint received 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I recently got my credit report and as I was reviewing my credit, I noticed a few inaccuracies and would like your help in correcting these errors. There are some inquiries reporting that I have no knowledge of. 

I have called these credit bureaus and was told to file a police report. Nowhere in the law does it state that I have to provide a police report this is clearly a stall tactic and going against my human rights. The inquiries below need to be deleted from my consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I demand the deletion of these inquires
Consumer complaint received 2022-10-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (TX)

Under the pslf program, student loans that were eligible for this waiver could receive a refund. I enrolled in this program in XXXX, and have not heard anything from Mohela. I have tried contacting them several times and I recently was told that when Biden 's cancellation plan goes into effect, eligible student loans will be automatically enrolled and no longer eligible for the pslf waiver and refund for qualified payments. This is unethical because it looks like this company is just sitting on these applications waiting for automatic enrollment into Biden 's cancellation program so that they do not have to refund monies to qualified student loan payments. I am a single mother currently pursuing a XXXX XXXX, and the money for qualified payments being refunded back to me would really make a difference in my program. I have been in public service for 20 years, and my loans should have been forgiven years ago. It's unethical that this program exists, but in order to qualify for it you have to turn down the option to have your loans canceled and potentially risk not even being qualified for the program. It feels like a huge scam.
Consumer complaint received 2017-02-10
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated committed crime not paying
Company: Southwest Credit Systems, L.P. (GA)

They call me all the time every day and Threatening, if I does not give my name and address the will damage my credit bureau. I answered, I do not have to give private information to anyone by phone and they insist. This action is repeated multiple times a day. The Agency name is Southwest credit system.. Phone number is XXXX
Consumer complaint received 2022-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

We were not checking our mailbox from XXXX XXXX XXXX due to my wife being out of town dealing with our other home that was impacted by hurricane Ian. Someone stole our mail during those dates and got access to the debit card that was mailed to me along with the pin for my Wells Fargo account. They used it at an atm location and took out {$700.00}. They also tried using it at XXXX but that charge was denied. I submitted a complaint to Wells Fargo to return the {$700.00} to my account. It was denied. We submitted a case with the local police department.
Consumer complaint received 2022-04-05
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. (GA)

In accordance with the Fair Credit reporting act the following accounts have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 consumer reporting agency can not furnish account without my written instructions.
Consumer complaint received 2022-10-21
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: MOHELA (AR)

Debt was discharged in 2009. Lender has refused to remove the discharged debt. The lender said that when I entered school it kept them from being able to discharge debt and that I would have to prove I could not pay the debt. I have called my attorney from XXXX and she said that this is not true. The lender has continued to refuse to remove debt. 

Credit companies- XXXX, XXXX, XXXX etc are allowing this to stay on my credit.
Consumer complaint received 2021-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

There a bunch of collection accounts showing on my report and severely damaging my credit score. The damage is causing major issues with my financial life and literally costing me more. Due to this incorrect reporting ; we have been unable to buy a home, we have been passed over on renting a home, and we are paying more each month for car payments and insurance. According to each collection agency, all accounts need to be deleted from my credit report. I am including the names and confirmation numbers for each acct.