davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (MI)

A tree fell though our house six weeks ago. Because we still have a mortgage with PNC, the insurance agency wrote the check to both us and the bank. It has been five weeks that PNC has had the check. 
They sent us a " document Package '' containing all of what THEY require before they will give us the money to stabilize and rebuild our home. PNC has never contacted us to inform us of any issues with the documents. 
We have contacted them at least twice a week to see when we can expect the needed funds. EVERY TIME we have contacted them, they claim one of the required documents is not right. We have always instantly responded and uploaded the changes or requested information. We have begged, requested and demanded that they tell us exactly what we need to submit and for five weeks, EVERY TIME WE CALL, there is another issue. We have escalated our concern to highest level of management today but do not expect any resolution soon. 
We have spent thousands of dollars of our own money to help stabilize and reconstruct our home. We just opened another line of credit so we can purchase supplies for the construction company. The construction company is now threatening to move on to other projects because of the financial delays. 
We also now are dealing with mice and other animals that have decided to live in our walls. 
The insurance company is requesting explanation for delays as they are paying for us to live in a hotel room. 
PNC delay is also causing further deterioration of our home. 
My wife and I have experienced emotional and physical issues because of their behavior. 
They have all the needed documents.
Consumer complaint received 2019-10-07
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: EQUIFAX, INC. (TN)

I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. I called the police about fraud and FTC.These items need to be deleted from my credit report XXXX XXXX   XXXX, XXXX XXXX/XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX . There are some inquiries too that are not mine : XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2021-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (WA)

On JulyXX/XX/2021, I pulled my credit report from XXXX and immediately discovered that my identity was compromised. I filed a police report, an identity theft report, dispute with the credit bureaus, and sent letters to all of the creditors. 

All of the creditors in question removed the fraudulent accounts except for Discover Bank. They are refusing to acknowledge that I am a victim of identity theft. All of the accounts were opened when I was a minor child, approximately XXXX years old. Discover Bank was sent numerous documents validating my age at the time they claimed the account was opened yet they refuse to acknowledge the documents and refuse to remove this account from my credit file.
Consumer complaint received 2021-09-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (OH)

Affirm inc account # XXXX Affirm in account # XXXX Affirm in is reporting information to my consumer report without permissible purpose. 
under 15 U.S code 1681b Permissible purposes of consumer reports. i never gave this company written permission to report anything on my consumer report no permission is identity theft. ive expressed to this company several times that this account should not be on my consumer report but they kept it on my profile anyway. Willingly after after i had sent them a certified letter with the violations.
Consumer complaint received 2021-09-28
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I have submitted many disputes against the three major credit bureaus. Some case numbers are XXXX, XXXX, and XXXX. I haven't received any communication from either bureau. They are violating my rights, and most notably 15 U.S.C. 1692g.
Consumer complaint received 2019-10-07
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: HYUNDAI CAPITAL AMERICA (MN)

On XX/XX/XXXX, I leased a XXXX XXXX from XXXX XXXX XXXX, a local dealership. On XX/XX/XXXX, I was rear-ended by a third party driver. I always had maintained insurance required by the lease with XXXX, but a claim with XXXX was not necessary as the other driver and its insurance company XXXX admitted 100 % fault and agreed to pay for the damages. 

I soon called Hyundai Capital America ( dba Hyundai Motor Finance or HMF ) to report the accident and to assist HMF with making a claim with XXXX The HMF representative told me that HMF will take care of everything and that I would not need to do anything. I soon drove the car to a local body shop approved by XXXX to get the car repaired, but XXXX declared the vehicle a total loss. XXXX adjuster subsequently told me that HMF and XXXX had settled for the full payment of the vehicle and that the matter was closed. 

In late XXXX, XXXX, I received a surprising demand/collection letter, dated XX/XX/XXXX, from HMF ( attached ) stating that I owed HMF {$970.00} for prior damage/condition adjustment of the vehicle. HMF falsely claimed that there was an insurance deficiency of {$970.00} for condition adjustment, even though the lease agreement does not require for such payment by the lessee. HNFs claim is also flawed as it decided to deal directly with XXXX and exclude me from the settlement process. When I called HMF on XX/XX/XXXX to ask for a copy of the settlement agreement between HMF and XXXX, HMF refused to provide a copy. I had to call XXXX to obtain a copy of the settlement agreement ( see attached ). 

Section 25A of the lease agreement ( see attached ) states that the lease is terminated in the event of a Total Loss, and that the lessee would owe the Total Loss Early Termination Charge outlined in Section 22C. Section 25B states that if the lessee maintained the insurance required by the lease, HMF would waive the Total Loss Early Termination Charge, when HMF receives the insurance proceeds for the vehicles actual cash value. 

There is no dispute that the there was a Total Loss or that I maintained the insurance required by the lease. The only dispute raised by HMF is that I owed {$970.00} to HMF for condition adjustment. XXXX stated in its settlement summary with HMF that the amount of wear and tear/damage is consistent with its age. In HMFs settlement letter to XXXX dated XX/XX/XXXX, HMF agreed to an insurance payment of {$17000.00} from XXXX as the full proceeds of the insurance policy covering said vehicle. In the settlement summary between HMF and XXXX, the Actual Cash Value for the vehicle was shown as {$17000.00}, which HMF accepted as full proceeds of the insurance policy covering said vehicle.

In many calls with HMF, I explained that I do not owe {$970.00} to HMF. HMF refused to listen and HMF has recently placed a negative credit information on my credit report with the major credit reporting agencies. I have always paid my lease payments on time.
Consumer complaint received 2019-05-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (FL)

XXXX XXXX, XXXX on XX/XX/19 has not validated the XXXX account and has failed to respond within allotted reporting time. In addition they are trying to collect on incorrect amount. 


process generally requires us to send a request for verification electronically to each of your creditors that reported the information to Equifax, and this can take up to 30 days to complete. Once we receive all of the responses, we will send you a copy of the results and a revised copy of your Equifax credit report.
Consumer complaint received 2019-05-24
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: BARCLAYS BANK DELAWARE (MA)

I emailed the company ( DailyOm ) 2x to ask them to issue a credit for a class I paid for and didn't wish to take. I sent the first email minutes after signing up for it after I read the outline and decided it wasn't for me. The class is only {$15.00}, but I've read a number of other complaints on line with the same issue, so I'm seeing a pattern. And they never even responded to my emails. I then contacted Barclays, the credit company I used. I called 2x and waited both times 40 mins and nobody ever came on. I tried a third time and after 10 mins I couldn't take it any more.
Consumer complaint received 2019-05-24
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. (FL)

I when to pull out my credit report last year and I found out that I have three account from XXXX XXXX XXXX XXXX which those are not my debt and start sending letter to collection agency and never get any answer  back from them. 
I also contacted Equifax+XXXX XXXX+ XXXX and no answer, trying to resolve this matter but no help from those Credit reporting agency
Consumer complaint received 2019-10-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (MD)

We been dealing with PNC mortgage/XXXX  XXXX XXXX XXXX  XXXX, for over 5 yrs, since XXXX, to try and resolve an issue with them sending back our payments in error in which they sent us a letter stating such mistake. These payments were sent back when they thought we had not made a full payment on a verbal repayment with them, when in reality the payment was a normal mortgage payment, while they had money in a suspense account to cover the rest of the mortgage payment if needed. They admitted their error, asked us to return the payments and when we sent the payments back to PNC, they were rejected again. We have never been approved for ANY other program with PNC to date XX/XX/XXXX. We make enough money and our debt ratio is lower then the threshold. The guidelines used for them are questionable. 
PNC bank and XXXX send false documents to homeowners only to lead to stealing your home right from under you. They also have very unscrupulous lawyers who do this. Their false documents, massive paperwork to prolong the process and the requesting of documents multiple times is ridiculous. 
PNC/XXXX  have not tried to work with us at all during the entire process. We have never had a loan modification nor any other type of program to help with mortgage. The investors are XXXX XXXX XXXX XXXX and they are the ones who do not authorize PNC to do any type of modification. We want to keep our home. We went to federal court with PNC in order to stop them from wrongfully foreclosing on our home, to no avail. The XXXX XXXX XXXX XXXX are the investors who do not offer any assistance whether it is legally supposed to or not. 
I am going to the press to let them know that PNC mortgage and XXXX XXXX XXXX XXXX are fraudulently taking people 's home without finding out the circumstances and not allowing for any type of modification.
Consumer complaint received 2021-09-28
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: STERLING JEWELERS, INC. (NJ)

XXXX, XXXX AND XXXX CONTINUE TO REPORT CLOSED ACCOUNTS AS OPEN CREDIT DEBT WITH MONTHLY NEGATIVE ACTIVITY AS RECENT AS XX/XX/21 AS BEING LATE. THESE ACCOUNTS HAVE BEEN CLOSED FOR YEARS. Either included in my BANKRUPTCY, AGED OUT or AGING OUT. NOT ONLY ARE THEY REPORTING THESE ACCOUNTS WITH MONTHLY LATE PAYMENTS, THESE ACCOUNTS ALSO SHOW IN MULTIPLE COLLECTIONS. THIS HAS HAD A TREMENDOUS NEGATIVE IMPACT ON MY CREDIT REPORT FOR THE PAST 5-7 years. I HAVE CALLED, WRITTEN, DISPUTED AND PROVIDED DOCUMENTATION AND NOTHING HAS BEEN DONE. Every time I try to resolve the issue it gets worse! I have contacted your department multiple times. I have also contacted the various CREDIT COMPANIES and FILED DISPUTES AND NOTHING IS BEING RESOLVED. XXXX XXXX XXXX, XXXX AND ALL XXXX XXXX ACCOUNTS and OTHER CONTINUES TO REPORT MONTHLY WITH HAVING LATE PAYMENTS ON CLOSED ACCOUNTS THAT HAVE NO ACTIVITY OF ANY KIND BECAUSE THEY ARE CLOSED, IN ADDITION TO HAVING THE SAME ACCOUNTS IN COLLECTIONS. DOUBLE NEGATIVE REPORTING ON CLOSED ACCOUNTS. THESE ACCOUNTS HAVE BEEN CLOSED FOR 57 YEARS. THEY SHOULDNT BE REPORTING ANY ACTIVITY IF ANY KIND.
Consumer complaint received 2019-05-24
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. (TN)

Equifax and XXXX are reporting an incorrect coding of the XXXX/XXXX   partial account number XXXX. This account actually needs to be coded as an M1. (  Please see pages 7 and 8 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2021-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (NY)

I am a victim of identity theft. I lost my bag and now I am receiving a bank statement I did not make. Someone who has taken my things took advantage of and made this fraudulent account under my name. The fraud was opened on XX/XX/2017.
Consumer complaint received 2022-08-23
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. (FL)

In accordance with the Fair Credit Reporting act XXXX 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-09-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY (WA)

In XX/XX/XXXX I took what I understood to be an auto loan from Wells Fargo to purchase a used vehicle. The bank requested the VIN for the car prior to approving the loan. Upon approval, I received a loan for I believe around {$6000.00}. After paying the loan off in a few years, I didn't think to request the title from Wells Fargo and have since been the registered owner for the vehicle, while Wells Fargo has remained the legal owner. In XX/XX/XXXX I realized the mistake and called Wells Fargo to request the title. I spoke with the auto loan department and was told they have no record of the vehicle or the loan. I then went to the XXXX, WA branch and at their advice hand wrote a request for the title. Later in XXXX, I received a document from Wells Fargo listing two people I have no relation to as owners of the vehicle. I went back to the branch and spoke at length several times with XXXX XXXX, personal banker. Wells Fargo ultimately stated they have no record of the loan or the vehicle, and the document they sent me is the only information they have and can offer me. I went back to the Dept. of Licensing with this information and was told because Wells Fargo is the listed legal owner, the only way to obtain the title is for Wells Fargo to sign a release of interest. I went back to the branch, spoke with XXXX again and was told " Wells Fargo can not release interest in the vehicle because we have no interest in the vehicle ''. Per the Department of Licensing there is no way for me to obtain the title for the vehicle I've been the registered owner on for 12 years unless Wells Fargo signs either a release of interest or an " affidavit in lieu of ''.
Consumer complaint received 2021-09-20
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: Synovus Bank (GA)

On XXXX XXXX i sent a letter to XXXX  stating that I was victim of identity fraud with the police report attached. It was removed from the other two bureaus but XXXX  refused to remove the items on my report. 

1. Columbus Bank & Trust Account Number : XXXX identity theft 2. XXXX XXXX  Account Number : XXXX identity theft 3. I have no acknowledgement of this account. Clearly this company has made a mistake XXXX Account Number : XXXX identity theft I have never heard of this company nor have I ever done business with them 4. XXXX XXXX XXXX  Account Number : XXXX identity theft 5. The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX identity theft 6. The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX identity theft
Consumer complaint received 2021-09-20
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: JPMORGAN CHASE & CO. (GA)

On XXXX XXXX i sent a letter to XXXX  stating that I was victim of identity fraud with the police report attached. It was removed from the other two bureaus but XXXX  refused to remove the items on my report.

1. XXXX XXXX XXXX XXXX Account Number : XXXX identity theft 2. JPMCB CARD Account Number : XXXX identity theft 3. I have no acknowledgement of this account. Clearly this company has made a mistake XXXXXXXX Account Number : XXXX identity theft I have never heard of this company nor have I ever done business with them 4. XXXX XXXX XXXX Account Number : XXXX identity theft XXXX. The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX identity theft 6. The following account is not mine XXXX XXXX XXXXXXXX XXXX Account Number : XXXX identity theft
Consumer complaint received 2021-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (NY)

I am a victim of identity theft. I had this police report before where I left my left open in a public place then I lost my bag with my cards and Ids inside it Someone who has taken my things took advantage of and made this fraudulent account under my name. The fraud was opened on XX/XX/2015 with an amount of {$14000.00}.
Consumer complaint received 2022-08-03
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8300.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4700.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8400.00}.
Consumer complaint received 2021-09-27
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: T.S. Holdings (CA)

IQ Data has been attempting to collect on a debt for the past four years that was signed and forwarded to them by one XXXX XXXX representing XXXX XXXX XXXX, XXXX  XXXX XXXX, and XXXX at XXXX XXXX XXXX. 

On XX/XX/2019 XXXX XXXX stated, under oath, that she did not have the authority to attest or sign legal documents. She was only the community manager. The debt claimed by this collection agency was signed by the same XXXX XXXX and was based on legal documents of an alleged debt by, once again, XXXX XXXX. 

The debt is either invalid or the entities above have perjured themselves in court. 

The debt is in either case invalid and not verifiable. The collection agency would need to provide another signed document by an authorized party, from the inception of that debt or else remove the debt from all bureau reports. 

Enclosed is the case number and hearing information where I was required to refile against a party with legal authority. XXXX XXXX was present as the defendant for the entities and not qualified by her own admission to being a legal authority to handle financial matters for the property.
Consumer complaint received 2021-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE (NY)

I am a victim of identity theft. I had this police report before where I left my left open in a public place then I lost my bag with my cards and Ids inside it Someone who has taken my things took advantage of and made this fraudulent account under my name. The fraud was opened on XX/XX/2018 with an amount of {$24000.00}.
Consumer complaint received 2022-08-12
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. (FL)

In accordance with Fair Credit Reporting Act, the following Accounts Have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.