davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CITIBANK, N.A. (PA)

... ... .XXXX XXXX XXXX XXXX froze or levied my account on XX/XX/23 because citi bank na used XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  execution letter delivered to XXXX XXXX XX/XX/23 to levie my account because of consumer debt that I'm not able to pay do you being on pa unemployment insurance ... ... .I have emailed XXXX XXXX XXXX XXXX serveral times letting them about exemptions on pa unemployment state and federal part and let them know about wwrs and the complaint ... ... .I 'm having absolutely no problems with first keystone that s me and my wifes joint but ... ... ... ..so it has to be XXXX XXXX XXXX XXXX and how they are handling this ... ... ..I was served by the sheriff s department today XX/XX/23 ... .. How is the bank able to levie or freeze my account on a executive letter that is against Pennsylvania and federal law to levie exempt unemployed insurance benefits... I sent a complaint to cfbp but haven't gotten a reply... I attached the order to you because is the order mis read by XXXX XXXX XXXX or do i file against XXXX XXXX XXXX XXXX citi bank nv but sent to local XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX it is getting all mixed up because of federal local Pennsylvania upstae ny laws when .... im being affected Imediately ... ..the bank and law firm and citi bank na are breaking Pennsylvania and federal laws on major exemptions under Pennsylvania and Federal laws on trying to collection on employment compensation insurance ... .I attached the page but was served after the fact of the levied account how are they allowing this to happen ... .if possible can you forward my message to the right party I fighting here ... .I will reply to the courts but I'm being buried by bank to bank snowball to a avalanche effect here and its all damages and racking dollars cause the locked my only form of income pa uc .....
Consumer complaint received 2016-07-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MA)

The information shown on my Experian account is not correct, I have emails proving the information was supposed to be removed and/or corrected : XXXX - Revolving - XXXX - Individual XXXX XXXX - {$5300.00} Collection - {$0.00} -PAID LAST REPORTED DELINQUENCIES : XXXX CHARGE OFF LAST PAID : XXXX / It should of been removed months ago
Consumer complaint received 2022-03-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Social Finance, Inc. (HI)

My checking account and online banking with SoFi have been locked and restricted since XXXX XX/XX/2021 due to supposed suspicious activity. I attempted to call and email SoFi customer service on a daily basis and then weekly basis to no avail. All I received were automated responses and no call back to my numerous voicemails left. 

Finally, on XX/XX/XXXX or XXXX I received an email saying that my account had been closed since I did not address the negative balance there was due to a reverse on a provisional credit given to me. It was frozen so I was not able to deposit or remedy the e situation whatsoever. They also stated this would be reported to the IRS or any pertinent creditors. I am very upset by this and appalled by the lack of customer service or attention on SoFis part.
Consumer complaint received 2022-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2022-08-04
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. (MD)

In accordance with the Fair Credit Reporting act XXXX these accounts below has violated my rights. 

Account Name : XXXX XXXXXXXX Account # XXXX Account Name : XXXX XXXXXXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXXXXXX XXXX  Account # XXXX Account Name : XXXX Account # 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 a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-03-04
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. (NV)

My XXXXXXXX XXXX XXXX loan was refinanced by XXXX XXXX. XXXX XXXX sent XXXXXXXX XXXX XXXX a payoff check which they cashed, but never applied to my loan. I was stuck paying 2 home equity loans for months. I tried multiple times to get this resolved and escalated with both companies to no avail. XXXX XXXX  finally had to reissue the check and send it again to XXXX. The check was received in XX/XX/XXXX and loan payoff was backdated to the original payoff date of XX/XX/XXXX. All monthly payments that were drafted from XX/XX/XXXX through XX/XX/XXXX were returned to me by XXXX. However, XXXX reported me 120+ days past due on my credit report in XX/XX/XXXX due to all of this. I was never late on any payments as they were auto debited from my account. I was even making two HE payments while all of this was resolved by the financial institutions. This prevented my husband and I from purchasing a home at the time because we couldn't get the title sorted out.
Consumer complaint received 2022-11-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (TX)

I called PNC Bank in XXXX, requesting them to delete my PMI. They sent me a letter saying that they couldnt because the equity wasnt at exactly 20 % or below. This was because they didnt credit the amount that was in the suspense account to my mortgage so that it could be at the amount that makes me eligible for deletion. 

When they resolved that, I called again XX/XX/XXXX and asked that they remove it per the instructions on their website. I received no letter in the mail for XXXX business days. I called back XX/XX/XXXX just to double check that someone was actually working on the request and that id receive the letter soon. They said the task had not been submitted. Its strange how all of a sudden Im eligible to have this amount removed but now their tasks arent submitting. Nevertheless, I said OK thats fine, can you please submit it? The lady said she submitted it. I called back today, XX/XX/XXXX to find out why they were holding funds in the suspense account when they had a full monthly payment again and also just double checked if the task for PMI was actually submitted and she said no she didnt see a task in the system since XXXX. Therefore no one submitted it these past XXXX times. She claims she submitted it again but Im having a hard time believing her. They literally do not want me to remove PMI and theyre playing little manipulative games to make me jump through hoops to remove it
Consumer complaint received 2022-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (IL)

I sent my information to XXXX Equifax and XXXX twice because two accounts have not been reporting. XXXX Credit Card and XXXX XXXX should be reporting to all three credit bureaus. The first time I contacted all three bureaus was XX/XX/2020 and the Second time was XX/XX/2020. I have contacted all bureaus by phone and mail to resolve this reporting issue and nothing has changed. I have not gotten any feedback from any of the bureaus regarding this matter. I sent in my ID and utility bill to verify my identity now I am escalating this matter the best way I know how.
Consumer complaint received 2016-09-21
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Automatic Data Processing, Inc. (MI)

On XXXX XXXX, 2016 I contacted ADP ( my payroll processor ) to cancel my pay-by-pay worker 's comp. insurance coverage ( provided by XXXX. 
The ADP representative sent me a cancellation form. 
On XXXX XXXX I signed and returned the form. ( See attached ) * They requested proof of other worker 's comp. insurance as a condition of cancellation. 
I forwarded the Insurance Binder as provided by my insurer ( XXXX XXXX ) - showing coverage beginning XXXX XXXX, 2016. ( See attached ) * The following Monday, XXXX XXXX - I submitted payroll and saw that NO FURTHER WORKER 'S COMP. PAYMENTS WERE CHARGED. This confirmed my understanding that the paperwork had been processed, the policy was cancelled, and that the end-of-policy audit would be conducted - at which point I would get some type of written document and/or invoice for any unpaid premium. 
This Monday, XXXX XXXX - 8 WEEKS after cancellation - I submitted my payroll, only to find that an additional {$650.00} in XXXX premium was charged and automatically deducted from my account*. I looked further and saw that approximately {$550.00} had been deducted the week before! * I immediately contacted the payroll company, and after LENGTHY DISCUSSIONS, I was told # 1 - the company never received my cancellation, # 2 - " a system glitch '' initiated the charges, # 3 - I would need to re-submit my cancellation ( which I did ), # 4 - I would need to provide proof of coverage again ( which I did - but which they said was inadequate ), # 5 - I would need to provide a Certificate of Insurance ( which I did ), # 6 - And I would have to wait approximately 30 days for the company to determine IF I would get my money back. I was not allowed to talk to a Supervisor - presumably because none were available. When I inquired which Department Head was responsible for monitoring a system that arbitrarily self-engages to withdraw funds from client accounts, I was told " there is no specific department responsible for this. ". 
I asked to speak with the representative who handled my original call ( XXXX XXXX ), but the phone rep. refused to transfer me to him. Her name is XXXX XXXX. 
Please note that I am, of course, concerned about receiving my money back, but I am MORE CONCERNED that this company is ABLE TO WITHDRAW FUNDS FROM CLIENT ACCOUNTS - FOR ONE OF THEIR VENDOR AGENCIES ( XXXX XXXX ) WITHOUT NOTICE OR PERMISSION - and seemingly WITHOUT CONSEQUENCE. THIS PRACTICE MUST BE STOPPED, and I strongly suggest that consequences be imposed to DISCOURAGE further violations of customer trust. Had we not had the funds to function following this withdrawal, the consequences for OUR company might have been severe. I ask that this be viewed with THAT in mind and that sanctions be imposed to ensure an END to these practices.
Consumer complaint received 2022-11-22
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: ALLIANT CREDIT UNION (CA)

I applied for a XXXX loan with Alliant CU and was presented with approval terms and than requested to execute documents ( I wa waiting for car 1st before closing ), agent emailed me to complete paperwork without clarifying that loan is closed prior to receiving vehicle, I requested to unwind loan and was told I could not do this and that XXXX would have to do it and I would lose the {$250.00} deposit if I do from XXXX.
Consumer complaint received 2022-03-14
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. (IL)

To whom it may concern, The reason for this letter it to dispute an unauthorized inquiry on my credit report. I retrieved a copy of my credit report and discovered inquiries that I have no knowledge of. 

Because I did not apply for credit with the lender and/or creditors below, I have also reached out asking that they remove the inquiry from my credit profile. 

Please launch an investigation into the inquiries to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 

If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if the below lender/creditors are able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. 

Thanks in advance for your prompt attention to this matter XXXX XXXXXXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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  XX/XX/2021
Consumer complaint received 2017-02-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NY)

Checked my credit report after filing complaint with CFPB on XXXX. Was finally able to get access to the dispute forms and the XXXX XXXX account scheduled for deletion XX/XX/XXXX2017 was still on record. After already registering with my report number, name and social security and placing the dispute in the " dispute cart '', when I attempted to upload as instructed, I was taken to another form which requested the same ( and more ) information which was already a matter of record in order to get access to the report in the first place. Screenshots attached. Designed to discourage?
Consumer complaint received 2022-03-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (TX)

I received a prepaid XXXX for {$150.00} on XX/XX/XXXX, and used it once for {$60.00} at XXXX around XX/XX/XXXX. I attempted to use it again the next day and the cashier said it was declined. When I checked the balance I learned funds had already been depleted from New York and I live in XXXX XXXX. Someone also managed to register it under a different name. My card was compromised even before I used it for a small amount of {$10.00}. Someone had already stolen a portion of my money without having the physical card. I have attempted several times to dispute with company, sending faxes and them saying they couldnt see documents correctly. Documents include : copy of gift card front and back, my drivers license, copy of original and activation receipt. I also mailed copies to them on XX/XX/XXXX and upon checking every week they tell me they have not received them. They give the run around too much and are not cooperative. Today is XX/XX/XXXX and they supposedly have not received them. They do not accept email and have to wait until notes are placed by the fraud department. There is no number to speak with anyone In the fraud department per XXXX the senior representative. They are scammers!
Consumer complaint received 2016-12-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (IL)

I submitted notarized letters on XXXX XXXX, 2016 and on XXXX XXXX, 2016 in regards to XXXX bankruptcy XXXX. As of XXXX XXXX, 2016 I contacted the original creditor they have listed as reporting the listing at XXXX and spoke with XXXX who informed me that they have not done any reporting whatsoever to ANY agencies to include the credit bureaus. This has led me to the conclusion that any previous correspondence informing me of an honest, thorough investigation was not only not completed, but the results were falsified. This is a major crime against me as a person and my consumer rights as well as my consumer rights. I intend to file suit if this bankruptcy listing as well as all accounts attached to said bankruptcy are not deleted from my credit profile.
Consumer complaint received 2022-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (LA)

On XX/XX/2022. XXXX, Equifax, and XXXX failed to produce an investigative report on XXXX XXXX aka XXXX XXXX XXXX XXXX accounts posted to my consumer report. It is a violation of my consumer credit rights to report on a debt I never validated. It is identity theft to transfer or allegedly transfer a taxpayer identification number without the authorization of the taxpayer to aid and abet a form of payment. It is tax fraud to not sent copies of 1099c and 1099 OID to the taxpayer by XX/XX/XXXX of the following year. It is a violation to assign say any consumer owes a debt and that any debt is seriously past due date/ assigned to attorney, collection agency, or credit grantor 's internal collection department. That is a violation of 15 USC 1692e, no lawyer, no collection agency or allege credit grantor can act as a debt collector.
Consumer complaint received 2023-03-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (AZ)

Chase is stealing peoples escrow overages money. On XX/XX/XXXX a {$4500.00} check was supposedly sent to me for the overage in my escrow account after an escrow analysis was done for XXXX. The check miraculously never got to me. So on XX/XX/XXXX they deposit back to my account because I never received the check. They did another escrow analysis and came up with the same results on XX/XX/XXXX and sent me the exact same amount in a check in an escrow statement. What a surprise I never received it. They then re-deposited that same amount on XX/XX/XXXX back to my account because again, miraculously I never received the check. I filed a complaint with you all. In retaliation they did a third escrow analysis and somehow, miraculously, they completely changed their analysis just 12 days later, and deemed that amazingly, every XXXX that they were supposed to send me, was now all of a sudden being used up for XXXX for taxes. in their first two original analysis just two weeks earlier, because of the overage they had reduced my mortgage payment by {$200.00} a month. Mind you they did to escrow analysis within a 30 day period. Then, as soon as I filed a complaint, they did a third analysis, my mortgage payment went up higher than it was, and all of a sudden my escrow overage is XXXX out exactly. Thats quite convenient. I have a letter from the XXXX XXXX tax assessors office, stating that my assessed value is not even close to what theyre determining for XXXX. I also spoke to someone at the county assessors office and there have been three people that Ive complained about the exact same thing from Chase. Oh, and heres another coincidence, the third escrow statement that they sent me that did not have a check in it, it actually made it to my mailbox. What are the chances. Chase is stealing peoples money by making up false escrow amount that are needed. I closed my house in XX/XX/XXXX. At that time 12 months of increase taxes by the millage rate was collected for XXXX. In XXXX my taxes did not go up so theres that entire amount of overage that was still in my account. XXXX. Youve already collected for a year with my payments from last year. Where is the extra money. They are doing this to multiple people. I have documentations from the county assessors office that the amount that they miraculously came up with on their a third analysis is incorrect. Im speaking with the Arizona Attorney General, because luckily I have family members that can allow me to speak with that department and Im going to file a formal complaint. Please see the screenshots that I provided. Like I said, its amazing that the first to escrow analysis statements that had the checks and Im never made it to me but as soon as I file a complaint with you all the third escrow analysis thats done not even 30 days later all of a sudden doesnt have a check in it and it makes it to me..
Consumer complaint received 2015-08-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

Some company posted a account on credit report that is not mines. They never even sent me a bill stating debt. But after i disputed they updated account and sent me attached letter.But company still has not provided me information on what the debt is. The letter does not even give me any type of ACCOUNT INFO. 

Account XXXX Bank XXXX, this account is not mines and this bank never sent me any information regarding this bill. I do n't know what this is.
Consumer complaint received 2022-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

There is a late mark on my credit report from XXXX XXXX XXXX. I have never been late and I am requesting that you remove the late marks off of my credit report immediately. I have tried to reconcile with Equifax. They have customer service agents that can not understand English and will not remove inaccuracies from my credit file. I have followed the appropriate steps. The CFPB should audit my disputes and credit file to see the measures been taken and the fact that Equifax will not assist me. This is hindering me from getting housing and other banking products. I feel it is discrimination because of my XXXX  and XXXX that I explained to them I have.
Consumer complaint received 2021-11-26
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. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5600.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$50.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$460.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14.00}