davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (OH)

I have disputed the following accounts with the CRA and they have come back verified and I them asked for a method of verification that was ignored. I am now providing proof that these accounts are not correct and that I have requested validation from the debt collector through this portal and that was answere through this portal. In Case number : XXXX with this agency XXXX refused to provide validation of the debt and the terms other then to say I owe them. If they refuse to provide this agency with the proper validation required by the FRCA how can the CRA get verification. All the accounts listed by XXXX on my credit report contains many inaccuracies that are hurting my credit report : since I have disputed them and the CRA has verified and I have requested a method of verication in writing demanding the name and phone number of the person they spoke with and what proof they received to verify this alleged debt and it was ignored I demand that all the XXXX accounts be removed at once from my report. Once again if this agency could not get verification of the debt how could th CRA per the FCRA.
Consumer complaint received 2017-04-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NJ)

I have been attempting to get my credit report reviewed but I 've been unsuccessful. I was a victim of identity theft and I 've sent all XXXX credit bureaus my police report. I 've had multiple items removed and reinserted and when I try to dispute ... .in return I get a letter stating that they have previously disputed this matter and the previous status remains the same. I have yet to receive any verification in regards to these debts and I have sent multiple 609 letters with no success. The accounts are to verify that these XXXX companies are reporting correctly XXXX, XXXX, and late pays with XXXX and XXXX. With XXXX and XXXX I had insurance and advised that the insurance paid the balance but then was later informed that they only paid a portion. I was in the military and was XXXX so I was XXXX of the military which caused me to be unemployed and unable to pay my bills. This is why I utilized the insurance with these XXXX companies which I was later informed that I still had a balance.
Consumer complaint received 2017-04-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (IL)

I disputed XXXX Items on my report with experian for re-aging of accounts as accounts were bought by debt collector. Have been paid but do not show the original date of delinquency from original creditor just date debt collector bought and closed. I received response to MY MOV ( method of verification ) LETTER in which they supplied no proof of an investigation and left XXXX accounts on file saying information updated. Now XXXX and XXXX both removed items immediately. Experian chooses to keep listing and as a matter of fact these accounts have been disputed 4 times already along with others and not once has any method of verification been done. You, consumer protection have filed one before for me and it seems all they do is ignore you and ignore myself. Im really getting tired. They have also locked me out of their online site. The object is to one keep people from filing complaints and two to not do their job properly. In mean time consumers get screwed. Im not asking for this to be investigated or reinvestigated or re re investigated as they have had more than ample time to do since first dispute filed in XX/XX/2017. Last being in XX/XX/2017. I want these items totally removed immediately just as XXXX and XXXX did. From now on these companies need to start supplying proof they actually did a proper investigation and supply the names and numbers of people they talked to directly along with documentation. This XXXX has to stop. The XXXX accounts I have included the last request for method of verification with this. I request this also be sent to FTC as this is rediculous you cant get anyone to do their job. Experian response came to me dated XX/XX/2017 Report XXXX I think experian needs to learn law when a request for method of verification is sent to them it isnt to send a form letter or start a new investigation of already supposedly investigated information its to provide proof as sited in the courts that a legitimate and proper investigation was done and if they have no proof they shouldnt report item. Time is out going on XX/XX/XXXX days by law they have 15 days no proof then remove items. I just dont get this company experian. Im learning quick that violating law is how you run a business.
Consumer complaint received 2017-04-13
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC. (GA)

My XXXX credit report shows an unauthorized credit inquiry from Ally Financial on XX/XX/2016. I did not authorize this inquiry. During this time, I visited XXXX who assured me my credit file would only be viewed XXXX. However, this was not the case. I understand that my credit file should n't be accessed without my authorization. I contacted XXXX, but was unsuccessful obtaining a resolution. I have an extended fraud alert in place requesting I be contacted via phone for verification prior to accessing my credit file. This did not occur ; therefore, the removal of this inquiry is requested. In additional, I contacted the lender requesting removal, but my request was ignored.
Consumer complaint received 2017-04-17
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (NC)

I have been threaten by PNC of being Foreclosed and they are not working with me. I was forced to move from XXXX XXXX to XXXX XXXX XXXX due to military XXXX in XX/XX/XXXX, I moved my family and posted the house for sale several times, seeing that nobody will buy it I rented it but even then the rent was not covering the mortgage, then I retired and financially I was having a hard time keeping the house, last year I got divorced and got even worse financially and even then I keep the hardest to keep the property, then PNC Mortgage threaten me to foreclose the house, I then had all the intentions to short sale the house at the very least. My balance in the mortgage is around {$210000.00} - {$210000.00} and I had several offers which I submitted for {$180000.00} and I had a backup for {$190000.00} and the lender ( PNC Mortgage ) denied the offer and refused to work with me asking for {$230000.00} when the appraisal came back without them even going in the house and scared away any other offers I had on the table. They interfered with my attempt to short sale the property by refusing to cooperate with me. I am running out of time and they set a date to foreclose this Wednesday XX/XX/XXXX and I have several calls from people interested in the house and I am willing to keep trying to short sale. I please very respectfully request to help me in this matter and possible avoid being foreclose and for PNC to cooperate and work with me. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2017-04-12
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO. (WI)

I am writing to your agency in hopes you can help me to dispute some charges made on my XXXX. I got contacted by XXXX by an unsolicited phone call. I paid them a total of {$8500.00}, which {$4500.00} was on my AARP visa card. XXXX promised me for services that were never rendered. I started with them on XXXX/2016 they called me saying I needed their services in order to my online business make money. I received nothing to this day. I was informed that I have 538 days to try to dispute. I decided to take a chance since I got involved in a mess. I lost close to XXXX paying these fraudulent companies and they ignored my calls after a while.
Consumer complaint received 2017-04-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MI)

I received the copy of credit report which has a lot of mistakes on it and some of the things you allow me to click on and dispute but then when you go to finalize the dispute it tells me you ca n't process it I do n't know what the point of even offering it if you ca n't process those particular things online so that 's why I 'm contacting you on here. 

I have never been known by XXXX XXXX XXXX trying to dispute it but it will not let me. 

I have never lived at XXXX XXXX XXXX XXXX Michigan I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Arkansas There are multiple accounts that are showing up on my credit report you are the only one still reporting these I do n't understand XXXX and XXXX have all removed the fraudulent accounts what information is it tthat you need to get these accounts remove? 

XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX XXXX XXXX
Consumer complaint received 2017-04-17
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: U.S. BANCORP (NC)

Elan Credit Card was issued through a bank I have other accounts with. This bank merged with another bank and the automatic bill payment that I had setup did not process on time. I received a late fee and called Elan to explain to have resolved. The representative told me no problem you have never been late and we will refund. I explained, I can get the amount credited by Bill Pay as I have proof that it was Bill Pays error, not mine. She said not to worry and I left it at that. the next month, the new bank that has the Bill Pay who told me it would be setup did not make the payment again and I have another, higher late fee. Also, received a letter in the mail that my credit line is cut in half. I called Elan to explain that the first time was not my fault and if I had been told that not fighting to have Bill Pay held accountable that it would effect me in this way then I would have done so. I asked what I could do to get this corrected now. They told me I would have to ask for a credit line increase. Really! You just lowered my credit score because you cut my credit line in half and want me to let you run my credit report. No way! They told me there was no other way. I will pay the remainder of the existing balance and cancel this card. No way I should be inconvenienced for what was not my error and they should restore things to where they were before. I also had received a letter in the mail asking me to upgrade my card by XX/XX/2017 or they would inactivate it. Possibly the reason they lowered my credit line is because I did not respond to their offer.
Consumer complaint received 2017-04-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: CITIBANK, N.A. (NY)

Citibank fails to allow there customers to set up auto pay online. I have mailed in their form multiple times. There is no confirmation t hat the account is set up. Every other student loan company allows auto pay online, why is Citibank any different? When I 've called to confirm the auto pay has been set up, I 've been told the form was not received. This has happened 4 times. This is a mistreatment of their customers and I demand action be taking to assure that Citi student loan customers are treated fairly. It 's the 21st century. Auto pay is everywhere. It is time for Citi bank to join.
Consumer complaint received 2017-04-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (PA)

In a chat conversation with  XXXX  who requested to do  a credit-check  ... I said yes to a soft-inquiry, and very clearly stated NO to a hard-inquiry.  XXXX  performed a hard-inquiry without my permission. Attached is the online chat session with specific instructions to  XXXX  NOT to perform a hard-inquiry. I want this hard-inquiry removed from all credit-bureau 's.
Consumer complaint received 2022-08-25
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: EQUIFAX, INC. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ).

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}
Consumer complaint received 2017-04-19
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (OH)

Selling my mortgage to a Business That Is Not BBB Accredited Mortgage Company.  XXXX    XXXX    XXXX . Without giving us an account number or without approval from us. Leaving me open for more of their stealing and helping  XXXX  to do what their past complaints consisted of to me. Got notice today and It starts  XXXX   XXXX    XXXX  . Less than  2weeks.  Spoke to  PNC (   XXXX   )  she did not care. I took out the loan with  National City Mortgage Company. National  City was bought out  by PNC. I called PNC yester day and asked for a supervisor call us., they did not call us.  XXXX  said they have nothing to do with us any longer because they do not have our mortgage any longer. We have been paying on time for almost 16years. This is our home. We have more than nothing to say about who we do business with. Nationstar is the worst business they could have dumped us on. Nowhere on or contract does it say that they could sell our mortgage. We never implied or signed anything allowing them. .Nationstar just got fined  XXXX   XXXX  Dollars fine last month. I was told by  XXXX  to call  XXXX  to get this information .I got a tape telling me that they would call me back. They did n't either.  XXXX  is also where my checking account is with no bouncing checks. Where did we go wrong. Nowhere.PNC went wrong. Just because their a bank that does not give them the wright to do what ever they want. I served my Country and I expect the lawful authorities to do there jobs. It amazes me how a company like  XXXX  stays in business. Own and operated by crooks. There are  XXXX  reviews about  XXXX  bad, XXXX  Neutral  XXXX good. All the complaints are of the same nature.Stealing, charging fines after suddenly misplacing their payments making payments late drawing late fees. ect..This is where PNC dumped my wife and I. We are  XXXX  and we do not or will not deal with thieves. The Government needs to shut down  XXXX  and not allow Banks lik e PNC t o dump you in the middle of this mess.PNC was our 2nd Mortgage company. We still have no payment book or even an account number. Would you trust them? I feel like we are being set up by PNC to later have  XXXX  steal from us.  PS My si ster had  XXXX   XXXX   XXXX .  3months ag o they foreclosed on her home .She said her payments disappeared. Payed through her bank.  XXXX  &amp;  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Ohio  XXXX   XXXX . Please leave message been getting allot of sales calls since this happened.  XXXX  XXXX  XXXX
Consumer complaint received 2017-04-19
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TCF NATIONAL BANK (MN)

I received a letter from TCF National Bank and a questionnaire to be completed in regard to money transferred to another bank. The amount of the funds transferred totaled {$900.00}.   They requested from me : " What is the purpose of the transactions? '' " Who are the beneficiaries/originators of the funds? '' " Provide name, physical address, DOB, occupation, and nature of your relationship for the originator/beneficiary of the above mentioned transaction. '' I called TCF to get more info and was told they wanted to get to know their customers better ( I 've been a customer since around   XXXX    ), t hey want to know where the funds went ( they transferred them to  XXXX   XXXX  at my request ). If I do n't comply, they 'll close my accounts.   Told them this is intrusive, that I 'm not doing anything illegal and that I 'm not willing to provide the information.   I was told that they have a right to obtain this information due to  the Patriot Act. This  Act was not mentioned in the letter, or the questionnaire, and was only brought up  by TCF at least 10 or 15 mi nutes into the conversation. The person had no section number or any other info regardin g the Patriot Act. TCF state d more than once to me that my accounts would be closed if I do not comply.There also was a deadline to return the completed questionnaire.
Consumer complaint received 2017-04-21
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: ZIONS BANCORPORATION (AZ)

National Bank of Arizona charged my checking account {$33.00} for NSF fee for a " pending '' transaction. My account was never overdrawn as my payroll check was deposited before the item cleared my account. Even my online statement shows that my account was never overdrawn. I called the bank and they refused to reverse the NSF fee.
Consumer complaint received 2017-04-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (GA)

My mortgage was transferred from  XXXX  to Nationstar mortgage on  XXXX   XXXX  , 2017.   XXXX  says payments they receive from their former customers will be forwarded to Nationstar mortgage for 90 day s. Nationstar 's w eb site says that payments will only be forwarded for 60 days. Which is correct? Is this a way fo r Nationstar to i gnore customer payments sent from  XXXX ? Please clarify.
Consumer complaint received 2017-04-18
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (WI)

Navient increased the payments that I ca n't afford. I applied for low income payments. But they refused to approve it. They are selfish. They need to read my pay stubs and hours that I work right now very hard. Please tell Navient to pay off my balance. I wo n't pay. Navient is n't honest.
Consumer complaint received 2017-04-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (MI)

Sent a letter with my drivers license, social security card, and utility bill for verification of my correct address and requested removal of old addresses as they are inaccurate and there are ones I have never lived at. My response from them was a phone number deleted on  X/XX/XXXX   . My credit report has inaccurate information and I would like to get this resolved. It still has my ex wife as my spouse. We were divorced  XXXX . As well as phone numbers I never had. I included the report I got from Experian. Thank you for your time.
Consumer complaint received 2017-04-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

XXXX act # XXXX reported that I was in collections as of XX/XX/XXXX and i was still an XXXX XXXX at XXXX however after contacting both XXXX for proof of being a XXXX XXXX they provided me documentation of enrollment and cancellation on XX/XX/XXXX! I also contacted XXXX and informed them that this was not valid debt and they did nothing so i begin my disputes through the CB 's. I submitted proof of the docs to experian and it stated clearly date canceled balance etc ... The representative told me that since it was fraudulently placed it would be expedited which it has not. The rep I spoke with the other day stated that they received the document and they forwarded it over to the collection agency and to see if they will allow it to be removed. After being on my credit for over 3 months of course it has a very negative impact and I am also being declined for other services due to recent collection reporting from XXXX. I also sent certified letters requesting immediate removal of this account and they are just blowing me off as usual and their validation is just via electronic without actual proof of documents etc ... I want this account deleted immediately. Second account is XXXX act # XXXX this account was in collections as of XX/XX/XXXX I realized that it did not belong to me after contacting the collection agency their response was to send in my Id and personal information and they would investigate however I will not be sending my information to a collection agency who could not send me proof of validation as well as experian not requiring them to do so. This account was listed prior and resold and started over the 7yr term with the new collection agency! I requested that experian remove this information if they could not do so in a 30 day time frame still nothing to this date of a signed document of mine or anything validating this account. Experian has the best interest of the creditors and the collections agency as this is how they make money this is not fair to consumers and I can no longer be held responsible for accounts that are inaccurate and that do not belong to me or I was n't notified legally of any debt just popped up on my report and that makes it mine! Unfair practices and this has to be resolved. Final account to be addressed is XXXX act # XXXX. This is the same ordeal as the issue at hand with XXXX. They illegally placed a debt account on my report and stated they notified me to some address that does not belong to me and they will not provide validation to me and I disputed this through experian but the collection agency response was we alerted you back in XX/XX/XXXX and this act will remain on your file. Despite my efforts of getting inaccurate information removed from my report via experian dispute process they are not providing me proof of what the collections agencies are provided to them as validation. Please help me resolve these issues as I know that experian could care less as long as they keep getting paid!
Consumer complaint received 2017-04-14
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (PA)

Equifax is Reporting a Bankruptcy which i disputed and they stated it was verified ... I called the courts which advised me the courts does n't verify this information.. Equifax pulled this information from a third-party agency, as per courts Does not Verify Therefore this Must Be Removed from my credit file which is damaging to my true credit file. 

And I would appreciate it once its deleted I want proof that it 's been deleted. Please send me an email to XXXX