davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (SC)

The name on this mortgage is XXXX XXXX XXXX. XXXX, XXXX XXXX sent a registered security ( tracking # XXXX ) on XX/XX/XXXX to CEO XXXX XXXX XXXX with instructionals to credit the account with the interest/dividend that was on the remittance coupon, also provided documention ( certified copy ) from the secretary of state showing that there are no liens under name and to provide a lien release documentation from company showing that. Received a call from a XXXX XXXX on XX/XX/XXXX and mail on XX/XX/XXXX indicating that the loan was valid and that the documentation from the secretary of state showing no liens was not valid nor was it notarized.But the secretary of state is the highest notary and the document that I sent was straight from them in addition to him saying my form of payment was invalid and that it has to be U.S dollars but right on Wells fargo website it shows the form of payments that can be used to pay. On XX/XX/XXXX I mailed the full payoff balance with the coupon ( tracking # XXXX ), power of attorney, federal reserve act section 16 ( Notes issues ) and section 29 ( Civil Money Penalty ) with instructional ( opportunity to cure ) to CFO XXXX XXXX XXXX instructing to apply principal 's balance to the principal 's account and requested a response in writing within XXXX business days for non-performance of fiduciary duties or respond back in writing when instructions are complete. I then got a response via phone on XX/XX/XXXX and mail on XX/XX/XXXX from XXXX XXXX and executive office case specialist indicating to call back but i requested a response from the CFO in writing not a case specialist.At this time the account has still yet to be credited. Then i mailed a notice of default on XX/XX/XXXX ( tracking # XXXX ) with the same instructionals to CFO XXXX XXXX XXXX to apply principal 's balance to the principal 's account and requested a response in writing within XXXX business days for non-performance of fiduciary duties or respond back in writing when instructions are complete, with federal reserve act 16,29 and another full endorsed payoff bill. I then received another call on XX/XX/XXXX from XXXX XXXX with no remedy. This is a violation of securities and a breach of contract.i have reached out to the Office of the Comptroller of the Currency but they refered me to the CFPB. They are committing fraud by not letting me use the interest that they gained from securitizing the note for the mortgage and acting in bad faith by not even responding to the crediting of the account and only responding to what they want to respond to.
Consumer complaint received 2023-08-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A. (FL)

Initial claim against PNC filled on XX/XX/XXXX. 

XX/XX/XXXX - PNC called asking us to make a payment. Since we no longer have access to any of our old accounts, we requested a full detail of deposits and withdrawals. 

XX/XX/XXXX - received documents of all past accounts with balances only. No details provided regarding all of the deposits from our employment direct deposits over the last few months. Therefore, we have no way to verify the exact amount left on our account. 

XXXX - XXXX ( needed to make work arrangements to arrive late due to PNC employee regular schedule of office hours XXXX - XXXX, M-F ). Set up appointment to talk to XXXX XXXX, PNC executive client relations. At XXXX am, " XXXX '' called, stating XXXX had phone trouble. We were told we would need to make another appointment if we wanted to talk to XXXX. 

" XXXX '' stated PNC would not remove any type of hold or negative denotation until we paid $ XXXX they are stating we owe. She stated PNC will not do anything further regarding how the employee/teller accepted, cashed, deposited, and cleared our check twice without proper endorsement ( XXXX ). 

PNC is not taking any responsibility for wrong actions taken by it's employees. These actions are the ONLY reason any of this happened in the first place. PNC is also not providing details of our account deposits. We, the consumer, are the only party involved in this situation sufferings any consequences. Our credit scores have dropped over 200 points, we had to max out all of our credit cards, we lost car insurance, we can not open a bank account at any other bank, we are being reported as frauds.
Consumer complaint received 2023-03-14
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. (GA)

On XX/XX/2023 at approximately XXXX I spoke with a representative from XXXX  and advised him that I had inaccurate information reporting on my credit report. There was a XXXX  card that showed closed and reporting late payments. I opened up a dispute and it was completed on XX/XX/2023 showing as updated instead of removed. 

In accordance with the fair credit reporting act XXXX, XXXX, Equifax, XXXX and XXXX XXXX has violated my rights.

15 USC 1681 Section 602 states that I have a right to privacy.

15 USC 1681 Section 604A Section 2 states that a consumer reporting agency can not furnish a account without my written infractions.

15 USC 1666 B states that a creditor may not treat a payment on a credit card account under open end consumer credit plans as late for any purpose.

According to Metro 2 Compliance the above stated account 's does not meet the standard and doesn't follow any of the FCRA and the ECOA
Consumer complaint received 2023-06-06
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)

This account was reported as identity fraud and it was sold from XXXX  XXXX when acct charged off to XXXX XXXX back in XXXX then I sent them my paperwork. I have tried to contact them and no action. I tried to go through the Equifax and XXXX to dispute but everytime this company states that the information is accurate. This company keeps reporting negative on my credit as a collection. The latest update was on XX/XX/XXXX. This company is till showing a balance on the collection acct for {$690.00} and also another account for {$990.00}. I have disputed this accounts at least 4 times to no avail. This account is illegally reporting this negative information on an account that is over the statue of limitations for collecting in Georgia. I have disputed this account from XXXX.
Consumer complaint received 2023-08-07
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (GA)

I call US Bank Home Mortgage XXXX XXXX XXXX, XXXX, MN XXXX, ( XXXX ) XXXX and XXXX XXXX  XXXX XXXX XXXX, XXXX, NJ XXXX ( XXXX ) ask them both for refinancing papers to assume rightful ownership apart from joint party in order to reduce income to debt ratio and it been months now without any information given by o either party. US BANK sent many denial of refinancing solely base on an old credit score in which is not the same for months. Creating XXXX XXXX XXXX XXXX as the main reason for denial summiting false score of XXXX ( XX/XX/2023 ) when in fact it been XXXX since XX/XX/2023. Also XXXX XXXX XXXX warrenty company is stalling a Air Handler for our 14 year home air conditioner unit serviced by XXXXXXXX XXXX XXXX XXXX XXXX GA License # XXXX ) ( SC License # XXXX ) XXXX I have invoice and place work order XX/XX/XXXX or two weeks prior and have not receive any work yet XXXX  continue to debit my account.
Consumer complaint received 2017-03-20
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: JTM Capital Management, LLC (CA)

Calling me at work, threatening me. Call back hang up in my face. Attempting to collect a debt that is not owed. I do not have a contract or agreement with this company. I have never obtained money from them. The original pay day loan company was paid in full.
Consumer complaint received 2023-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (CA)

They told me I called for requesting a promotion I never did it. That's how they charge me two interest in the same bill They never wan na show me the recording. Because they supposed to do recording all the time, we talk to them.
Consumer complaint received 2023-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (MI)

Home Depot Credit Card decreased my limit on my card card even though I maintain the entire balance and pay bill on time. They did it without warning me, they just sente an email stating they decreased my limit because of what they saw on my credit report.
Consumer complaint received 2023-08-07
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: LEXISNEXIS (UT)

I AM A VICTIM OF IDENTITY THEFT AND I HAVE CONTACTED THE CREDITORS AS WELL AS XXXX AND XXXX AS WELL AS NEXISLEXIS TO RESOLVE THESE MATTERS SO NO RESPONSE.
Consumer complaint received 2023-01-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I filed a claim for several fraudulent ATM withdrawals. I explained that my debit card had been stolen along with my passport and XXXX credit card. I advised them that I did not make authorize these transactions. 

On XX/XX/XXXX I received notice that my claim was denied and to call them to get the information they used to investigate. 

On XX/XX/XXXX I contacted the claims department and spoke with a supervisor XXXX XXXX who stated that they will not honor the claim because my PIN number was used. I explained to her that I did not share my PIN with anyone and someone got a hold of it by another means. She refused to process my claim.
Consumer complaint received 2018-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

CapitalOne offers disbursement of cash back rewards in the form of mailed checks. I have twice requested, and never received, a cash back reward check from them, although I have waited the 2-3 weeks they say it will take the check to arrive each time. On XX/XX/18 I requested the first check. I never received it, so on XX/XX/18, I asked that the check be canceled. On XX/XX/18, I requested a second check. I have not received that check either.
Consumer complaint received 2016-04-15
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

I am not getting anywhere with the bank need to have the president of the bank try to figure this out the bank told me the payment would come down after one year but the payment stays the same it needs to come down the payment is way to high if this was you would you stand for this the banks customer service is not good as far as this also need the president of the bank personal office number so the bank lied to me saying the payment would come down which it did't please get in touch also i do n't want a relationship manager call me do n't get any ware with them need someone higher up like president thanks XXXX XXXX
Consumer complaint received 2023-06-05
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2016-12-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MO)

I got an alert today from XXXX guard about a collections account. 
I logged on to XXXX XXXX to get the information. The company name is XXXX for XXXX Illinois. Address PO Box XXXX XXXX XXXX I do not live in XXXX nor did I authorize this account. I have a fraud alert on my report and I have no clue how someone is still able to gain credit in my name with a fraud alert. I want this removed ASAP along with the address attached to it. I included a copy of my ID and my recent pay stub to verify my address
Consumer complaint received 2023-06-05
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. (NV)

I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.
Consumer complaint received 2023-06-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NV)

You, Equifax LLC Consumer Credit Reporting Agency are furnishing inaccurate and incorrect information that is in violation of 15 U.S. Code 1681, 15 USC 6802, Privacy Act of 1974, 12 CFR part 1022, and the Consumer Financial Protection Act ( CFPA ) The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for my personal and household uses. You and your inaccurate reporting have damaged my livelihood.
Consumer complaint received 2018-05-31
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. (MA)

Hello and to whom it may concern : I need your help ... Since XX/XX/2017 I been trying to reach all three major credit bureaus and the original creditors and collections companies to ratify and validate several accounts that I surprisedly found with multiple inaccuracies on my credit report. I being given runarounds for like 6-9 months now and haven't received any resolutions based on my investigation. My credit file has several inaccuracies starting with wrong personal information, wrong addresses, wrong account information, wrong DOLA, wrong acct type, etc. I would like these accounts as shown attached to be updated, and by now I WOULD more than likely wants them DELETE from my credit file. Seeking permanent deletion!!! 

XXXX Account # XXXX ; =>PLEASE INVESTIGATE & UPDATE / DELETE!!!! FCRA VIOLATIONS!!! 
XXXX XXXX Account # XXXX ; =>PLEASE INVESTIGATE & UPDATE / DELETE!!!! FCRA VIOLATIONS!!! 
XXXX XXXX XXXX Account # XXXX ; =>PLEASE INVESTIGATE & UPDATE / DELETE!!!! FCRA VIOLATIONS!!! 
XXXX XXXX XXXX Account # XXXX ; =>PLEASE INVESTIGATE & UPDATE / DELETE!!!! FCRA VIOLATIONS!!! 
XXXX Account # XXXX ; =>PLEASE INVESTIGATE & UPDATE / DELETE!!!! FCRA VIOLATIONS!!! 
XXXX XXXX Account # XXXX ; =>PLEASE INVESTIGATE & UPDATE / DELETE!!!! FCRA VIOLATIONS!!! 
XXXX XXXX XXXX Account # XXXX ; =>PLEASE INVESTIGATE & UPDATE / DELETE!!!! FCRA VIOLATIONS!!! 
XXXX XXXX XXXX XXXX  Account # XXXX ; =>PLEASE INVESTIGATE & UPDATE / DELETE!!!! FCRA VIOLATIONS!!! 
XXXX ; =>PLEASE INVESTIGATE & UPDATE / DELETE!!!! FCRA VIOLATIONS!!! 
XXXX XXXX. XXXX =>PLEASE INVESTIGATE & UPDATE / DELETE!!!! FCRA VIOLATIONS!!! 
XXXX XXXX XXXX  XXXX =>PLEASE INVESTIGATE & DELETE!!!! FCRA VIOLATIONS!!! 
XXXX XXXX XXXX  XXXX : =>PLEASE INVESTIGATE & DELETE!!!! FCRA VIOLATIONS!!! 
XXXX XXXX : =>PLEASE INVESTIGATE & DELETE!!!! FCRA VIOLATIONS!!! 
XXXX XXXX XXXX : =>PLEASE INVESTIGATE & DELETE!!!! FCRA VIOLATIONS!!! 
XXXX XXXX XXXX =>PLEASE INVESTIGATE & DELETE!!!! FCRA VIOLATIONS!!! 
XXXX XXXX XXXX XXXX=>PLEASE INVESTIGATE & DELETE!!!! FCRA VIOLATIONS!!!
Consumer complaint received 2018-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

I was in the process of buying a house, everything was fine until we needed a credit report from Experian. We did not have any issues from XXXX or XXXX, only with Experian. I have an account at XXXX XXXX since XX/XX/XXXX. The people of Experian said that they have not received any report about me from XXXX XXXX in years, that the last one was with an address from Arizona where I lived from XX/XX/XXXX to XX/XX/XXXX.  So, I called XXXX XXXX bank about this issue and explained my problem to them telling that I was in a hurry, that I am in the middle of an escrow and that the only thing that we needed to move forward was to get that credit report from Experian, and that the guys from Experian needed the information about me from the XXXX XXXX. The person at XXXX XXXX checked and said that they have been always reporting to Experian. I called back Experian, and that was the main issue here, Experian and XXXX XXXX have been blaming each other and the problem is not yet solved. 
My realtor and the guy from the financial services have been helping me and my wife with this. I added my wife to my credit card months ago, she is the co-borrower for the credit that we need to buy this house. The guy from the financial services discovered that the XXXX XXXX had frozen my credit reporting, we were totally unaware of that fact. We called again XXXX XXXX now about this issue, XXXX XXXX ( the  guy from the financial services ) was on the line, he proposed the conference call. We called XXXX XXXX and he explained the situation, and we were put on hold, with the new person on the phone he had to explain everything again, I passed the phone to my wife and I told them that I authorized my wife to do on my behalf whatever that needs to be done. I had to leave because I have a job to attend. XXXX and my wife were about two hours on the conference call with XXXX XXXX, being jumped from one person to another, waiting in between and having to explain all over again every time. The last person to who they have to talk was the one from the dispute department, it happens that they put a dispute about my data regarding the Experian case, all my information was frozen and that has caused a even further delay because the administrative process to unfrozen it takes several weeks. 
Now we lost that house, the seller can not wait any longer and now they are selling it to another buyer. This has caused us too much stress and we have lost a lot of time and also money, the direct expenses in which we lost money were for the inspection of the house ( {$370.00} ) and for the rapid rescore agreement ( {$240.00} ) with the XXXX XXXX XXXX. Other expenses were the fees for the rescheduling of our summer trip and the extra cost of our current rented apartment because the contract is over and we are in a monthly base arrangement.
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

I was going over my credit file and I noticed that there are addresses that do not belong to me and several other accounts information that is not correct. On or around XXXX or XX/XX/2020 I had a few late payments from the following companies : XXXX  XXXX XXXX ( COVID ) XXXX XXXX XXXX ( COVID ) XXXX XXXX  XXXX XXXX ( XXXX ) DEPT OF EDXXXX XXXX ( COVID ) I have a few accounts that are showing me XXXX days late and at the time my income was affected by the Pandemic shut down. I am aware that the CARESACT was allowing for consumer protection under the CARES act with creditors offering accommodations. I have on paid on my accounts are showing late pay I have since paid my account off in full and I would like my account to reflect the current status to help protect the integrity of my credit profile. 
The following addresses are not correct and do not belong to me please delete : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-06-05
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. (VA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected 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
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2016-07-26
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

When I was obtaining a Home Equity Line of Credit from Bank of America I was XXXX that the prepayment penalty would be waived if I opened a new line of Credit on another home. Now they say the fees can not be waived.