davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-09
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

so as i was applying for a mortgage they pulled my credit and thats when the lien appeared, I was ordered to pay a lien that I never got the court document for, so a judgement was bought against me and I lost the case because I didnt appear in court .That is totally not right because I didnt get a chance to present my case. And also the company who sold my information without my consent.
Consumer complaint received 2020-03-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PNC Bank N.A. (MD)

During this time of the coronavirus, I have been unable to leave my home due to a compromised  XXXX  XXXX. I have been unable to add funds to my PNC account. 

On XX/XX/2020, due to my account falling under {$500.00}, PNC charged me a {$7.00} fee. 

I tried to contact them online to receive a phone number. The line was busy when I called and then while waiting the call was dropped. No chat fee available. I have had the hardest time trying to contact them and am unable to go into a local branch. 

During this pandemic, fees should be waved due to people like myself who can not make it to a bank to deposit cash. Also, chat and online features should be made available if call lines are busy.
Consumer complaint received 2023-03-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (PA)

Ally Bank XX/XX/XXXX : submitted echeck deposit for {$1300.00} from the US Treasury. They lock my account the next day. I'm without access all weekend. 

XX/XX/XXXX : I call and speak with fraud dept. I answer all questions. I am told the check would be cleared I would have access to my account by Wednesday XX/XX/XXXX. 

XX/XX/XXXX : I am still locked out. I call and am told there is no timeframe at all for investigations and I just have to wait indefinitely. I called again 30 minutes later. This time I was told it always takes 10 business days.

So I still have no access to my money. This is my only bank account and no one can tell me anything. 

I can not log in to see a statement so I don't even know my account number.
Consumer complaint received 2020-03-20
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. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX
Consumer complaint received 2020-03-20
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. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Equifax Information Services LLC XXXX. XXXX XXXXXXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CT)

Experian is reporting an account of mine as a revolving line of credit when in actuality it is an installment loan. I have the same payment every month and can not add to the credit. The XXXX XXXX XXXX of the English Language, 5th Edition defines revolving credit as : n. Credit repeatedly available up to a specified amount as periodic repayments are made. 
n. Any form of credit that does not have a fixed number of payments n. a consumer credit line that can be used up to a certain limit or paid down at any time In addition it states in the account notes " credit line suspended. '' Lastly, I have included a letter from the bank stating the conversion. Every other bureau has this reporting correctly. When I ask XXXX XXXX what the issue is, they state that Experian is reporting it incorrectly. When I question Experian, they blame the bank. I've been getting the run around for nearly 6 months now and it's time to stop. In addition, I have sent Experian at least 3 Identity Theft reports, but they continue to state they have received nothing. I have sent all three to XXXX. XXXX XXXX, XXXX, Texas XXXX the address on there website.
Consumer complaint received 2020-03-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (NJ)

I opened a Citibank Priority account in XXXX in US through their website. Immediately after I opened my account, I had to travel to XXXX for work. I had accessed my account couple of times and things were fine. 

Recently I found that my account was locked, I called the Citi bank US personal banking customer care to unlock my account. Due to the corona issue, I generally need to wait for about 10-15 minutes before I can speak to the customer care agent. 
The representative asks me a couple of questions ( SSN, address, account balance, account opening date, account time, all the account holders name, etc ) for which I reply. Then they ask me for the account number or the debit card. I don't have either of them, since I had traveled to XXXX before I could get my Debit card of my first statement. 

They tell me that there are only the following ways in which I can get my account unlocked : 1. Come to any Citi bank in US and show my identity - like passport or Driving license. This is not possible now, because of the corona issue going on now.

2. Get access to Debit Card or statement - These are currently stuck in my mail box in USA and I'm here in XXXX. I cant travel now to get the mails. 
3. One of the agent told me that I could try to get myself verified with the Local Citi Bank ( XXXX branch ) and ask them to send an email, but when I checked with them, they stated that they would not do it. 

I call the customer care to explain my situation and that the options provided to me are not viable at this time, but they don't see to care. I tried asking them to provide me an email address or get me transferred to a higher officer who could help, but they are unresponsive and cut the call.
Consumer complaint received 2016-09-06
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Innovis (MI)

CBCINNOVIS, XXXX XXXX XXXX, XXXX, PA XXXX, ( XXXX ) XXXX have made XXXX hard pulls on my credit in the past 6 months, affecting my credit rating. I have made no applications for credit in this time and have no outstanding or unpaid debts. This is harassment and is unethical.
Consumer complaint received 2016-01-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Conn's, Inc. (TX)

XXXX XXXX put collection on my credit for a XXXX 's account. I had insurance with XXXX 's. I lost my job and filed a claim with the insurance. The insurance paid it. I sent for validation from XXXX and they just keep ignoring me and not sending anything, yet they continue t report this error on my credit
Consumer complaint received 2020-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (TX)

I tried obtaining my credit reports from all 3 agencies at  XXXX. I was able to view and print my complete XXXX  credit report but not the XXXX  and Equifax reports. 

I'm certain all the verification information I provided was accurate. The fact that i got my XXXX  report is indicative of that. Equifax and XXXX  are putting unnecessary roadblocks to stop consumers from accessing their credit reports. 

Both Equifax and XXXX asked me to send in my request by mail ( Equifax also requested id proof with SSN ). I'm not comfortable sending my personal information in printed format to these companies  seeing how careless they have been with consumer data before.
Consumer complaint received 2020-03-19
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. (UT)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2016-06-21
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I sent Capital One Auto Finance a letter certified mail on XXXX/XXXX/15, asking them for specific information regarding the account they said I had with them. At this time, I have yet to get the documents I have asked the original creditor to provide. They are still listing this account on my credit report and have not marked this account as marked as Consumer Disputes Account. I was able to confirm they received through the certified mail confirmation as well as them responding to me that they did n't understand my request. My request was very clear and concise and at this point I have n't received the documents I 've asked for and they are still reporting on my credit report. I have included both my letter and theirs below. They are in direct violation of the FCRA ( Fair Credit Reporting Act ).
Consumer complaint received 2023-03-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (GA)

I was charge a significant amount in closing fees of both of my re-modification loans. Well Fargo made the process very confusing, by not fully explaining the terms of the loans. During both closing processes, I was told my mortgage payment would not change. However, my mortgage payment increased significantly and the explanation provided was very confusing.
Consumer complaint received 2021-03-23
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. (CA)

On XX/XX/XXXX I mailed dispute letters to each of the three credit bureaus. I still not received a response from any of them. If 30 days is the limit they have to respond, they have clearly gone over. There are accounts on my report that are older than seven years and they need to be removed from my report.
Consumer complaint received 2020-03-19
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: JPMORGAN CHASE & CO. (NY)

On XX/XX/2020 I got hit with 2 hard pulls was sent to my email from Chase at XXXX. I called chase XXXX when I saw the emails. As this was never authorized by me. They told me that someone tried to apply for a XXXX and a XXXX card i believe were the 2 cards. I did not authorize these or any cards on said date. The customer service rep told me they would remove inquiry 's but I just wouldn't to make sure here this happens since I am on XXXX and it is showing inquiry. They had said to me I would get a letter in mail stating that this would come off any credit reports.
Consumer complaint received 2020-03-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (FL)

I have paid all my accounts on time. On XX/XX/2020 Synchrony cancelled all my cards which negatively affected my score. All were in good standing. Because, i referred them to the CFPB they proceeded to over charge my Amazon Prime Credit Card stating past due and said they did not apply the payment to my bill because I paid 1 day before the billing cycle, I was going on vacation an paid and had not received my notice. 

When I got my XXXX Bill, admist the Corona Virus, they billed me {$220.00} amidst the crisis and stated on the online notice on the account that if not paid they would report me to the CRA. 

I had to pay {$220.00} usurious charges because they failed to apply a payment I made. They take about 24-48 hours to apply payments. 

This company is totally unethical and is purposely dismissing the orders of the National Emergency set by our President. They also added the Account Secure extra billing w/o my knowlede. All I asked for was for paperless billing and they proceeded to add it and just noticed it since I get online notice for my bills and recently got a late payment notice when I had paid my bill. 

This company should be looked into. They violated my right sunder the FCRA and Truth and lending act. Evidence of on time payments will be sent.
Consumer complaint received 2022-03-27
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. (LA)

This is a joint account please correct both consumers credit reports in which both are inaccurately reporting. I and joint applicant have been having a ongoing issue with the inaccurate reporting of XXXX XXXX on our credit report. To be specific XXXX and Equifax records an inaccurate derogatory account rating on a {$0.00} balance owed account and does not coincide with XXXX account rating recorded as Paid. Equifax have been also notified numerous of times to correct its recording of an Open Account, Equifax is the only credit bureau that actively reports this account monthly as Open in the payment history. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA. 

Please Help! 

XXXX, XXXX, and Equifax have been notified of these errors that have yet to be corrected. I have enclosed documentation and my authorization to investigate this matter.
Consumer complaint received 2021-04-21
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. (FL)

Obviously, these accounts are not mine, and I do not want to accept their existence in my credit profile. SO please check these accounts on any error or identity theft or bad reporting and release me from them - Delete them all.
Consumer complaint received 2022-03-27
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. (TX)

I was taken advantage of due to mild practice of several laws were being broken under FCRA by your company this cause financial PROMBLEM DEFORMATION OF CHARACTER I CAN NOT GET A JOB AND APPLY FOR CREDIT I CANT EVEN GET A SBA LOAN DUE TO THE PANDEMIC .UNDER THIS CRISIS YOU HAVE HURT MY ABILITY TO APPLY FIR CREDIT I ALSO HAVE PROOF WITH TRACKING NUMBER THAT THE COMPANY HAVE GOT TA MY LETTERS
Consumer complaint received 2022-03-26
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. (WI)

In accordance with the Fair Credit Reporting act Convergent Account Name, U S DEPT OF EDXXXX  Account XXXX XXXX, Account Name, U S DEPT OF EDXXXX Account # XXXX Account Name XXXX DEPT OF EDXXXX Account # XXXX, has violated my rights. 

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 2022-03-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (FL)

YOU BROKE THE LAW You are in violation of the following subsection of the FCRA 15 USC 1681. Before I proceed, I would like to be clear to your company and those in position of authority at your company that congress makes it clear that the banking system is dependent upon my consumer report being fair, and accurate to me. Pursuant to 15 USC 1681 ( a ) ( 1 ). Pursuant to 15 USC 1681 ( a ) ( 3 ) you were not given that role. You assumed this vital role, and because of your assumption you have negatively affected my life and those around me causing me severe hardship, mental anguish and depression. I have been unable to get a job because you assumed this role. 

Pursuant to 15 USC 1681 ( a ) ( 4 ) you were unfair in reporting this erroneous information without first consulting with me the consumer. You have no proof that this transaction ( s ) even took place. You were also impartial because you allowed information to be reported without ANY evidence or consent, while only hearing one side of the story. You also infringed upon my right to privacy. 

NOTICE of Identity Theft and Fraudulent Accounts Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
1. THE BUREAUS. Account XXXX XXXX XXXX. XXXX XXXX. Account XXXX XXXX XXXX. XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX. XXXX XXXX XXXX Account Number XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

I appreciate your prompt attention to this matter and await your reply. 
Sincerely, XXXX XXXX