davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PNC Bank N.A. (IL)

PNC bank reported 30 day late payments to XXXX, on both XXXX and XX/XX/XXXX This was a used automobile loan. My daughter was in a bad accident on XX/XX/XXXX, the car was a total loss. My XXXX payment was due on the XXXX, and I made the payment on XX/XX/XXXX. I reversed the payment the next day, because I was under the impression that the insurance company would be paying the car off before the payment would be 30 days late, as they told me they would, then I would pay the small balance due. I didnt want to pay more than I had to because the banks never payout as fast as they expect me to pay them. However, either my insurance did not send the check to PNC to pay off the car when they said they would, or pnc did not process it, until XX/XX/XXXX. PNC did not even attempt to contact me to let me know they hadnt received the payment, until I received a 30 day late notice through the mail. Upon receiving the late notice, I immediately called and they told me I needed to make a payment of {$360.00}, in order to be current for both XXXX and XXXX. I made the payment over the phone and it was taken out of my bank on XX/XX/XXXX. I have attached a redacted screen shot of my XXXX XXXX  account for the month of XXXX, which shows the payment. My math tells me XXXX payment ( XX/XX/XXXX ) was only 22 days past the due date ( XX/XX/XXXX ). I have also uploaded a photo of the PNC payment coupons, showing my due date was the XXXX of each month. By the way, PNC demanded more money than I owed, so they owed me money. I did not receive the overpayment check from them for over 4 weeks. Perhaps you can ask PNC where I should send the invoice for their late payment fee.
Consumer complaint received 2022-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Social Finance, Inc. (NC)

Ive tried to contact sofi about frozen funds in my account. All they do is give you the number for fraud prevention team, but no one ever answers or replies. It immediately goes to voicemail. Ive left over 10 voicemails in the past 2 months. Still no response.
Consumer complaint received 2022-10-20
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. (TX)

Time has already passed but up until now, I havent heard any kind of response from the XXXX Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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
Consumer complaint received 2022-07-13
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. (MI)

I disputed this account with Equifax three times. Account number XXXX XXXX XXXX XXXX. According to the re-investigation credit report confirmation number XXXX XX/XX/2022. Once again I disputed the date of last activity the reinvestigation report and I quote has verified to our company that the date of last activity is being reported correctly. As you can see in the report, the re- investigation file that Equifax XXXX me clearly shows the date of last activity is not accurate or correct. Because there is no date of last activity on the report. So this would make it incomplete and also inaccurate which they stated it was accurate. 

Equifax continues to violate federal laws. The FCRA is very clear inaccurate incomplete information must be removed. Please remove the account ASAP.
Consumer complaint received 2021-08-27
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. (NC)

I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below is the list of the erroneous account reporting on my Credit Report : XXXX  - AUTO FINANCE-Balance $ XXXXDate Opened : XX/XX/XXXX XXXX
Consumer complaint received 2020-08-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AL)

USAA closed my account but they didn't send me all my money. They overnighted {$1000.00} of my money but I had {$1300.00} left in my account. I don't appreciate them not sending me all the money that was in my account. They knew I had {$2300.00} but only chose to send me {$1000.00}.
Consumer complaint received 2022-11-04
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: EQUIFAX, INC. (VA)

Over the past few years, I have done multiple investigations on my credit report once I was made aware that incorrect information was being reported. I have reached out to each bureau multiple times regarding the incorrect information, but my effort have gone ignored. 

My investigation revealed unverifiable, invalidated, inaccurate and questionable items neither of the three major credit bureaus ( Equifax, XXXX, XXXX ) bothered make sure is reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything must be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), anything reporting inaccurately on my credit bureau is in direct violation leaving my incapable of being 100 % accurate. 

The credit reporting agencies stated that these accounts were properly investigated and that they each came back verified. However, it is impossible that this can be true due to several inaccuracies still reporting on my credit bureau, despite my efforts to right this wrong. Each dispute that I have filed with the three major bureaus, have all resulted in the same response. In the case of the inaccurate bankruptcy reporting, each bureau responded stating that the information had been verified directly with the source, which would the bankruptcy courts. However, I am attaching a letter here from XX/XX/2022 where the courts clearly state that they do not verify information with any third party entity. So all three of the credit bureaus are lying and they are intentionally allowing inaccurate information to be reported against me, which has hurt me not just financially but professionally as well. Additionally, I have vigorously disputed fraudulent inquiries that I made clear were also not mine and I was told that inquiries can not be disputed. HOW IS THAT POSSIBLE? If ALL information is required to be 100 % accurate, as a consumer I have the right to dispute everything. I DID NOT apply for credit from those companies.
Consumer complaint received 2022-11-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

Mr. Cooper has not initiated foreclosure, but threatens to weekly. My complaint is with their tactic of not applying overages towards satisfying outstanding balance on my mortgage, and instead withholding the overage ( partial payment Unapplied ) in a zero-interest escrow account that they wont apply to a Shortage until the complete Amount of said shortage is submitted. In my case, they are sitting on over {$1200.00} they should refund to me. Im going to ask for it back again today as the payment ( w penalty ) is not due for 30 days from XX/XX/22. Im short on cash given they were sent {$2500.00} of my {$3000.00} pension, leaving me little cash for food, utilities, transportation and the like. This is a tactic designed to push me to modify my loan ( which will take XXXX months total to complete ), and foreclose in the meantime. As the nations # XXXX mortgage lender, this company must be scrutinized to a higher degree! They are doing whatever they want and DC seems satisfied to let them proceed! Please, look into their partial payment unapplied scheme?
Consumer complaint received 2022-08-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: U.S. BANCORP (CA)

Someone opened bank accounts in my name fraudulently with US Bank, XXXX XXXX, and XXXX that I know of. They also opened received a personal loan for {$35000.00} fraudulently from XXXX XXXX XXXX and attempted to open line of credit with Citizen Bank. Also opened credit cards with US Bank and XXXX. They also made purchases on my XXXX XXXX for over {$4000.00}. In addition, they also accessed the 3 credit bureaus and made changes to my personal information as well as filed fake consumer reports with the bureaus with fraudulent phone numbers. Scammers also forwarded my mail to an unrecognized address. This has all occurred during the month of XX/XX/2022. 

I have taken actions by filing disputes with all the banks and lenders that I am aware of that had fraud. Also placed freezes and filed security alerts with all 3 credit bureaus and check systems. Also added extra layer of security with my current banks and lenders with verbal passwords. Notified and cancelled the mail forwarding request with the Post Office. Also signed up for credit monitoring services to combat further identity theft.
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NC)

Consumer Statements on these credit files I have requested for them to be removed along with the fraud alerts from my credit file in XXXX XXXX with XXXX, XXXX and Equifax. and they have never been removed. 

XXXX : XXXX XXXX XXXX XXXX XXXX XXXX FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING ANACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT XXXX XXXX XXXX XXXX INITIAL FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. XXXX XXXX ALERT : I AM CURRENTLY ON XXXX XXXX XXXX DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT XXXX. THIS ALERT WILL BE MAINTAINED ON FILE FOR 1 YEAR BEGINNING XXXX. 

Equifax : XXXX XXXX ALERT. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE. CELLULAR XXXX CELLULAR XXXX
Consumer complaint received 2022-07-13
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. (MD)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX # XXXX and XXXX - XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX 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 can not furnish a account without my written instructions.
Consumer complaint received 2022-07-13
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: ALLY FINANCIAL INC. (AR)

In accordance with the fair credit reporting act Ally Financial have violated my rights as a consumer. The rights that have been violated are as follows : 15 USC 1681 sec. 602a states that I have the right to privacy 15 USC 1692 C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 USC 1681 section 604a section 2 states that a credit reporting agency can not furnish an account without my written instructions Furthermore, as a victim of identity theft anything that I did not do is to be stricken from my credit report or I have the right to sue in state and federal court. I already have a lawyer and litigation will follow promptly
Consumer complaint received 2022-10-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TriStar Finance, Inc. (WA)

I contacted the below company/agent : XXXX XXXX XXXX XXXX XXXX Originator Office : XXXX Email : XXXX Fax : XXXX NMLS : XXXX | XXXX Licensing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX : XXXX XXXX XXXX XXXX called me to help me find a good mortgage deal for my refinance with cash-out. 

He had me give him all my private financial records and after that that he asked me for a credit card to charge me for a credit report. He did not disclose upfront that it will cost me to have him check my credit. 

But that was not the main problem I had with him, from XX/XX/2022 to XXXX, he refused to provide me with a " Loan Estimate '' unless I give him the the Loan Estimates I received from his competitors who I was working with. 

He tricked me to give him my SSN and he registered a hard inquiry on my credit report for no reason what so offer. He should not have taken all my private financial information and then ask my for my credit card without being upfront. And I didn't need my credit pulled for no reason and without providing me with any help at all.
Consumer complaint received 2022-07-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (CA)

During XXXX of this year 2022, I made a purchase through XXXX purchasing a sweater that was listed as authentic when it was counterfeit. I wasn't aware that the item was counterfeit. I messaged the seller a couple of times asking if sweater was legit and he said it was. I took his word for it and I purchased the sweater and I even gave him feedback. When I received the sweater the I had some doubts so I went to get it verified to see if it was authentic and it turned out to be counterfeit. I then tried to return the product to XXXX but I failed because seller doesn't accept returns. What I did next was that I filed a claim with my bank Wells Fargo to get my money back and they did send it back. Then a few months later, recently, they said that I lost the claim because I didn't return the sweater and that supposedly the seller 's product was legit. Wells Fargo withdrew XXXX dollars. I would like to receive that money back. It is also illegal to sell counterfeit items and I have all the proof that the sweater is counterfeit and I have proof that the seller messaged me saying it was legit and I have proof that he doesn't accept returns. I would like to receive my money back from Wells Fargo.
Consumer complaint received 2015-12-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (TX)

Since Green Tree sold to Ditech in XXXX XXXX, it has been a nightmare to deal with Ditech Financial LL. We have an automatic payment set up through our bank and we 've also made XXXX payments on Ditech 's website. According to their own records, we do n't have a payment due until XXXX XXXX, XXXX. 
Their debt collector has been sending us letters. We do n't want their incompetence resulting in an adverse effect on our credit scores.
Consumer complaint received 2022-11-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (CT)

Account ending in XXXX was opened by Wells Fargo reps, closed out with an overdrawn balance in amount of {$190.00}. Balance includes two external funds transfers into account in amount of {$50.00} as well as a provisional credit reversal in amount of {$290.00}, bringing the overdrawn balance to $ XXXX. As stated before, the account was opened by Wells Fargo reps, presumably to used for bill pay. When this account was reported to Wells Fargo as fraudulent, two mediation request forms were sent to me, both filled out, given a tracking number of XXXX Most recently, I've been calling Wells Fargo Mediation at XXXX attempting to speak with someone regarding case, was initially told someone would reach out by calling me, no call received.. Additional calls were made, subsequent reps advised they are to hang up call ... Needless to say, this is yet another one of Wells Fargo many runarounds, more of which I will detail herein... With regard to account opened as far back as XXXX, I was offered a settlement amount of {$3700.00} plus IRS taxes totaling XXXX Wells Fargo sent payment in error to my old address after I moved, address never verified, which they refuse to admit to.. Additionally, the amount was reported to IRS for tax year XXXX, in which case, Wells Fargo rep referred matter to a tax professional whom in trun advised 1099 form needs to be corrected to show no such amount received or payment reissued... This is around by Wells Fargo, as CFPB can see... When I brought this information from tax professional to Wells Fargo, their rep, XXXX, chose to refer to prior CFPB replies which does not address issue...
Consumer complaint received 2022-07-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kansas Counselors, Inc. (OK)

I have tried to explain to Kansas Counselors that the amount they are trying to collect has been paid in full to the provider. This bill was part of a settlement from wreck. My attorney and I have both tried to have this conversation with them and they refuse to take the documentation provided as prof this matter has been fully resolved. I am not paying a company whom I did not contract services for a bill that Ive already paid in full to the provider whom I did contract services. I did not provide my information to them and Ive explained to them they need to take this matter up with the originally creditor whom was paid in full. Please help me resolve this once and for all.
Consumer complaint received 2022-11-04
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Alpine Credit, Inc (CO)

on/ or about XX/XX/XXXX, a person appeared at my door as a process server and handed me the following paperwork " ORDER FOR INTERROGATORIES '' OR " STANDING ORDER FOR INTERROGATORIES. Alpine Credit INC XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Co XXXX Prior to this date on or around XX/XX/XXXX - Alpine Credit did engage in a similar tactic that a court document was delivered to my home via US mail and/or in person similar to the above description. 

However no court date was present. I believe this is a scare tactic by Alpine Credit to collect on old debt.
Consumer complaint received 2022-11-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (CA)

I received a court subpoena for a Discover account on XX/XX/XXXX. 
I had no knowledge of such an account being opened under my name. 
On the same date I checked my credit report and noticed 30 other accounts that were opened fradulently due to Identity theft. 
I submitted a dispute through XXXX for the Discover account as well as the XXXX accounts that were opened. XXXX agreed with the identity theft claim and subsequently removed the accounts from my credit report. However Discover Card rejects the dispute, and states the information was reported correctly. 
I provided a Police report as well prooof of my mailing address which is different from that which was used to open the account
Consumer complaint received 2022-07-13
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. (TX)

I, XXXX XXXX, am stating that XXXX, XXXX, Equifax are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX XXXX, Equifax may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave XXXX, XXXX, Equifax any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, XXXX, Equifax credit report : XXXX XXXX DPT EDXXXX : XXXX XXXX XXXX : XXXX DPT EDXXXX : XXXX DPT EDXXXX DPT ED/XXXX : XXXX DPT EDXXXX DPT EDXXXX : XXXX DPT EDXXXX : XXXX DPT EDXXXX DPT EDXXXX DPT EDXXXX DPT EDXXXX DPT EDXXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX, XXXX, Equifax permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. XXXX, XXXX, Equifax is violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, XXXX, Equifax wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, XXXX, Equifax consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.
Consumer complaint received 2022-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Rocket Mortgage, LLC (NC)

On XXXXXXXX1without my authorization and permissible purpose my consumer report was accessed for promotional purposes without my knowledge by ROCKET MORTGAGE located at XXXX XXXX XXXX XXXX, MI XXXX XXXX Pursuant to 15 USC 1681 b, they are in violation of FCRA I have sent a communication to the party responsible which I will be attaching to this complaint.