davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-10
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PNC Bank N.A. (PA)

PNC Bank - Refinance property located at XXXX XXXX XXXX XXXX, XXXX  PA, XXXX County, PA., The existing mortgage was a PNC loan. PNC gave me 6 different refinance loan estimates. Most of these preliminary loan documents had errors including errors in my name, my initials, my aliases, my address, my work history. The loan was a NON escrow loan. The original closing estimate of XX/XX/2021 was {$6000.00} including {$1500.00} in closing points. 

On XX/XX/2021 I closed this non escrowed refinance and PNC charged me {$7900.00} in closing costs. That amount included {$2500.00} in property taxes. They also charged me {$84.00}, for home owners insurance even though I have paid my own insurance.

1 ) This was a non-escrowed loan so I asked why they were charging me {$2500.00} for school tax. I was told that was just what they do. They pay any unpaid taxes at time of closing.

2 ) The amount {$250000.00} was not the full amount of taxes owed. The total amount of taxes is {$3900.00}. I informed them of that.

3 ) I was told that I could not change the amount they were charging for school tax because it would take too much time and the loan guarantee was about to expire. They said they would pay {$2500.00} and I would have to write a check to the school district for the balance. I had to call the school district to make special arrangements for this.

4 ) PNC did not pay the taxes as of yet. As far as I know they have not paid the {$84.00} to my insurance company either. The School tax penalty kicks in after XX/XX/XXXX. 

5 ) I called PNC customer service on XX/XX/XXXX at @ XXXX. I was told that the account was not escrowed and so PNC wasn't responsible for the taxes. The person on the line did not have access to my loan closing documents. I asked to speak to someone else. I was put on hold and disconnected.
Consumer complaint received 2022-01-18
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. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2015-06-12
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: WELLS FARGO & COMPANY (NJ)

I can not believe that Wells Fargo has made such a huge error and reported me late on XXXX 2015 when I made a payment. This brings me to question and dispute all the late payments they are disputing and I wonder how many times I made a payment and they still reported me late. This is not fair and for someone who is trying to get caught up on this student loans and do the right thing, I ca n't seem to get ahead because of the blatant error made by Wells Fargo. I am in the process of applying for a mortgage and this is now delaying the entire process.
Consumer complaint received 2018-03-15
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: EQUIFAX, INC. (IL)

I was never late with on any payments with XXXX XXXX, It has a XX/XX/XXXX late payment reporting on my credit report on all 3 bureaus. I have been a loyal customer since XXXX. I never had a history of late reporting, however there is a history on my reporting XX/XX/XXXX which I dispute. I never disputing XX/XX/XXXX because I thought it was a oversight. The one from XX/XX/XXXX it really seriously affecting me!!!
Consumer complaint received 2022-01-18
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (CA)

This is second time that Navient has made error on withdrawing funds from my checking account. BOTH situations have been corrected, however I want it on the record about the errors that Navient has made. 

XX/XX/XXXX @ XXXX AM - I called Navient to withdraw an additional {$810.00} to be applied to the principal on XX/XX/XXXX along with my regular {$300.00} payment. 

XX/XX/XXXX - {$810.00} payment was NOT applied UNTILL I CALL TODAY @ XXXX AM XX/XX/XXXX - Navient withdrawal {$500.00} ONE DAY PRIOR to Scheduled agreed upon day of XXXX XXXX. No overdrafts occurred but Navient employees need better training at bare minimum.
Consumer complaint received 2021-08-10
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (CA)

On XXXX, I ordered an item XXXX XXXX ( yellow ) on store card account XXXX. 
todate, i have " not '' received the item, but, amazon - sychrony has Prematurely billed me for the amount of XXXX, and, made threats of forwarding information To credit bureaus.
Consumer complaint received 2022-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

I made a online Macy 's purchase on XX/XX/2022 Total {$910.00} Order # XXXX 2 items ( XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Comforter and Light Weight ). Macy 's claimed they delivered, but I never receive the 2 comforters. They refuse the refund and charge these items any way.
Consumer complaint received 2024-02-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY (CA)

In in 2017 I was approved for a loan modification Wells Fargo Bank I was approved for a loan modification and when I got my loan documents through the mail I called customer service to have them go through it with me when I got a customer service woman on the phone she said she wasn't sure what I was looking at because the documents in her computer weren't the same as what they sent me so she was going to send me new documents to go over after sometime and talking with XXXX different people I never received new loan documents and then XXXX day I got a letter in the mail saying that they were going to foreclose on me because I didn't return my loan documents but I couldn't because the loan documents I had the lady at the bank said where the wrong ones and I talked to XXXX different people from customer service and they never sent me the right loan documents I had to make XXXX on time mortgage payments with my new mortgage amount of {$350.00} and once I did that they'd send me the loan documents because I was approved for my new mortgage loan when I got my documents I called customer service to have them help me fill them out and the woman on the phone told me she had no idea what documents I was looking at because the ones in her computer were different so she was going to send me new loan documents and after weeks and weeks and weeks of me calling customer service asking where my loan documents were I talked to XXXX different people and everybody said they kept sending them but nothing was coming they never sent me any new loan documents and then XXXX day I got a letter in the mail saying I was going to be foreclosed on because my documents weren't turned in by a certain date so I was forced to sell my home to avoid foreclosure and I never intended to have to sell my home and because Wells Fargo forced my hand with the foreclosure and I had to sell sell my home I became homeless
Consumer complaint received 2022-07-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: California Business Bureau, Inc. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Account passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

I recognize your quick regard for BLOCK or REMOVE these ADDRESSES, NAME, ACCOUNT and reaction inside XXXX work days : XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-07-19
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: CNG FINANCIAL CORPORATION (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Account passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

I recognize your quick regard for BLOCK or REMOVE these ADDRESSES, NAME, ACCOUNT and reaction inside 4 work days : XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX, XXXX XXXX
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have been working on my TransUnion credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Address is XXXX XXXX XXXX XXXX XXXX, IL XXXX and needs to be deleted. 

I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2022-07-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX, IL XXXX XXXX XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$3500.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$320.00} ; XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX Balance : {$2300.00} ; MEDICAL XXXX Balance : {$32.00} ; XXXX XXXX, XXXX XX/XX/XXXX
Consumer complaint received 2021-11-04
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MS)

I am getting my free 3 annual credit reports. 
I see errors on my Equifax Report. 
Their dispute link goes to a dead page. 
And I always have issues logging in to dispute because of answered security questions that I know for a fact are being answered correctly and they say they are not. 
Me & my spouse have always had issues like this with Equifax. 
Its like they dont want you to file a dispute or even log in to your report. 
Sincerely, XXXX XXXX
Consumer complaint received 2017-09-25
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (FL)

I HAVE A CAR LOAN WITH SANTANDER CONSUMER USA, THEY ARE NOT REPORTING MY GOOD PAYMETS TO ANY CREDIT REPORTS, I ALREADY CONTACT THEM TO TRIED TO FIX THIS PROBLEM BUT THEY SAID THAT THEY WILL NOT REPORT THE GOOD PAYMENTS ANYMORE, IT IS NOT FAIR THAT THEY NOT REPORT MY GOOD PAYMENT TO MY CREDIT REPORT, OTHERWISE IF I WILL NOT PAY MORE MY CAR THEY WILL REPORT MY DELINCUENT PAYMENT, THANK YOU
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX  is authorized debt collector for XXXX XXXX. I settled my account with them on XX/XX/year>. When they reported to the credit bureau they reported a balance of {$1200.00} which is inaccurate. I have attached a letter from them that documents this account has been settled and I do not have a balance.
Consumer complaint received 2021-08-10
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: Experian Information Solutions Inc. (NJ)

As of XXXX of 2021 I have made several attempts with the credit bureaus to remove the bankruptcy of my credit reporting profile as this is a violation and I have rights t my privacy. I know my laws and have rights to have it remove. A second letter was send out to the bureaus since XX/XX/ 2021 and still no response I need this DELETED ASAP.
Consumer complaint received 2022-07-19
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. (VA)

This is my fifth letter submitted to you informing you that I am a victim of identity theft and I complain to question this items in my file occurred because of some negligence. The data I am questioning connect with no exchanges receiving any possession of goods, services, or money that I have made or approved. Assuming no one cares either way, impede the noteworthy of any information in my credit file that surfaced due to alleged fraud : XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX Balance : {$19000.00} ; US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2017-08-12
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: JPMORGAN CHASE & CO. (FL)

i keep getting inquiries from this company after telling them over and over again there was no way i would make a inquiry 5 times back to back they finally send me a letter telling me they are concerned someone may be using my personal information.thats what ive been telling them for months
Consumer complaint received 2015-05-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (AZ)

I had a credit card account that charged off, and I later paid it via the collection company. It was XXXX early XX/XX/XXXX. Experian erroneously reported XXXX day late status for XXXX and XXXX, on the original old/closed tradeline XXXX XXXX XXXX ). This caused my score to dip nearly XXXX points. I disputed this XXXX times. XXXX in writing, XXXX online. Each time to no avail. I want the account to show paid/closed, and with no new negative information in XX/XX/XXXX as this account charged off in XX/XX/XXXX. The XXXX months of late payments in XX/XX/XXXX need to be removed. ( see attached dispute letters detailing the status and history )
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being.

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2022-07-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This is my fifth letter submitted to you informing you that I am a victim of identity theft and I complain to question this items in my file occurred because of some negligence. The data I am questioning connect with no exchanges receiving any possession of goods, services, or money that I have made or approved. Assuming no one cares either way, impede the noteworthy of any information in my credit file that surfaced due to alleged fraud : XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX Balance : {$19000.00} ; US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

In accordance to the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights as a consumer. 
15 U.S.C.1681 Section 602 A. stated 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 an account without my written instructions.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.
Consumer complaint received 2022-07-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, and XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2019-02-19
Product: Vehicle loan or lease — Lease
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: California Business Bureau, Inc. (CA)

I was injured at work and I received a secretly check by the employer that I did not know about until now XX/XX/XXXX2018 how is it that know one know this and somebody working my social security.i didn't work much and somebody was working under my name somebody madea claim of child taxis, I have no child they taking away my benefits
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX  XXXX XXXX  Account number XXXX NOT MINE I DON'T RECOGNIZE THIS ACCOUNT XXXX  Account number XXXX LATE PAYMENT XX/XX/XXXX XXXX