davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-13
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. (CA)

I recently had my credit profile pulled. Upon looking at this report I have noticed there were accounts on there that were not mine, and some of my accounts where reporting late payment history which are incorrect I sent your bureau multiple dispute letters in regards to the below accounts on XXXX, XXXX, XXXX, and XXXX. To date, I have not received any investigative results reports for any of the above dispute letters which currently are all in violation of the FCRA bureau response deadline guideline. 

I had filed an Identity Theft report, refer to the attached POLICE REPORT. Please be advised I have a {$450000.00} home purchase in escrow pending but it will be cancelled by XXXX unless these accounts are not immediately deleted and the other accounts are not amended. I would prefer this to be handled without any financial damages and litigation.
Consumer complaint received 2022-04-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (PA)

Several times now PNC bank has charged NSF fees with a positive balance. When I call them they have no explanation why it happened. Furthermore, just this past week they submitted checks thru after business hours but before midnight and checks were being set up to post and bounce. I ran to the bank put cash in and they still tried to charge me the fee even though my balance was in the positive. I am constantly watching my account now for all of these extra charges, fees, and late night submissions after their business hours. Almost every time a rep can not explain why it's happening and removes the fees. Problem is loan providers do not want to see fee and charge refunds even if it is the banks fault. This has never been a problem with PNC for the XXXX our personal and business accts have been with them. The last XXXX there is a constant issue with my account and I am constantly asking for a XXXX to try and make sense. They usually just apologize for the mistake and move on. It's like they know this is a problem but not sure how they can address other than refund the issue and perfusly apologize. I am on the verge of closing and moving accts to another bank for our personal and professional needs.
Consumer complaint received 2020-04-18
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. (OH)

To Whom It May Concern, The reason for my dispute is THE FOLLOWING ACCOUNTS HAVE NEVER SENT REQUESTED LEGAL DOCUMENTATION THAT I NEED FOR MY PERSONAL REVIEW : XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX all of them were required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). 
However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, they failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) they failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation these third party collectors are held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where they are in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. none has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Consumer complaint received 2022-03-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (CA)

XXXX XXXX company refuses to modify my loan and has been over charging me for taxes every month and owes me 2000 in over fees but refuse to release the funds till Im off forbearance. 
They sold my loan to midland mortgage after reading reviews I see its going to be very hard to work with them as well.
Consumer complaint received 2022-03-19
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (CA)

Last month I had XXXX dollars in fraud on my direct express card ( the card I get my social security benefits on ). Somebody bought XXXX dollars in XXXX gift cards on my account.. They gave me a credit and then last night took the XXXX out of my account and told me they are not responsible and are not gon na pay me back for this fraud. I am a XXXX single mother with a XXXX son and i need that money to pay my rent. It was very obviously fraud. My XXXX app account is now under some weird name and I have had alot of fraud lately on all my accounts. Please help I don't know what to do. We need this money back!
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I have been working on my EQUIFAX credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including billing statement and identification. Thank you for your prompt attention to this matter. 

The long list of INCORRECT Addresses that should be deleted are : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX  XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX and XXXX XXXX XXXX XXXX XXXX, GA XXXX. 


I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2022-03-19
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. (FL)

Ive tried countless times to fix this issue with Equifax. Ive requested that you VERIFY if these payments in 2015 were indeed late as your the ONLY BUREAU reporting this erroneous data. 

The outcome of the dispute is that the account has been transferred/sold. That is not my fault you CANT VERIFY this payments are in fact late. With that being said being that you cant verify this you should remove these said late payments or update to NR ( no reported ). 

Not only that there are blatant inaccuracies with the payment history. As you can see from the supporting document it goes 30 days to 30 days to 60 days to 120 days to 120 days. Inconsistent inaccuracies thats grounds from deletion to stay within compliance of the FCRA guidelines which Equifax is failing to do. 

XXXX ACCOUNT # XXXX
Consumer complaint received 2022-03-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (TX)

Rocket Mortgage forced me to pay PMI and told me they would remove that once I hit the 80 % equity mark. In order to remove this they make you call them so they can " calculate '' if you meet the requirements. Even though the monthly statements tell when you've met the requirements they won't remove it until you've hit 78 % mark. This PMI for to XXXX XXXX, who requires this as an insurance, even though they are the ones who defaulted in 2008, not me. I had spoken to Rocket Mortgage previously and was apparently not quite at the 80 % mark. I think I was half a % off. They did NOT count this as a request to remove. I called today and they put me through so many phone tree options tht it can be seen as a tactic to dissuade customers from calling to remove the PMI. I presses a phone tree option 23 times before I got a default operator whom I had to beg to send me to the PMI rep. They purposely make it difficult to get this removed and this " insurance '' if you can call it that goes directly to the XXXX and XXXX XXXX XXXX account, for doing nothing. Hundreds of thousands of dollars through this scam. I should be able to get a refund on my PMI for when I met the 80 % mark, especially since the insurance did nothing for me and certainly did not protect me from anything. It also did not provide any service.
Consumer complaint received 2022-03-19
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: CITIBANK, N.A. (FL)

Hard inquiry not authorize or signed THD/CBNA XX/XX/XXXX THD/CBNA XX/XX/XXXX THD/CBNA XX/XX/XXXX THD/CBNA XX/XX/XXXX THD/CBNA XX/XX/XXXX XXXX
Consumer complaint received 2020-04-18
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. (NE)

FRAUDULENT TRANSACTION, NO PROOF OF MY INVOLVEMENT, REPEATEDLY DEMANDED THIS BE REMOVED FROM RECORD, STILL CONTINUING TO REPORT IN VIOLATION OF FCRA GUIDELINES. USING MY CREDIT REPORT AS A MECHANISM TO COERCE PAYMENT ON A FRAUDULENT TRANSACTION.
Consumer complaint received 2016-09-14
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY (MD)

This complaint goes in hand with Complaint # XXXX filed XXXX XXXX. Yesterday I made a deposit in order to ensure no overdrafts occured on my account. Last night when they posted, they posted the DEBITS first ( reason to assess an OD Fee ) and posted the credit last. I truly am convinced they are in the business of fee collections from their customers.
Consumer complaint received 2022-03-19
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. (IL)

Equifax is reporting an account that was paid off. The account was removed from XXXX and now a company called XXXX XXXX XXXX continues to place negative information on my report. They keep bouncing from one credit reporting agency to another. I filed a complaint a few months ago and haven't heard anything back. Equifax is reporting this on my credit where banks can see it but then it isn't showing on a credit report for me to dispute the creditor. This is shady and a clear attempt to prevent me from having this information removed from my credit. I want this item and this creditor to stop placing this information on all credit bureaus permanently. The original creditor XXXX XXXX has been paid. This collection agency is trying to make money at my expense.
Consumer complaint received 2022-03-19
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. (NC)

Good morning maam/sir : XXXX XXXX XXXX XXXX, XXXX  pulled a hard credit report without my verbal or written consent before we even agreed on a price or terms. I did not agree to their propose terms and did not proceed further. Two days later I received a message from my credit report monitoring service that XXXX XXXX had requested a credit report without my authorization. I asked the business to call and clarify this with the credit bureau. I also notified XXXX XXXX XXXX who told me that they would call me back this past week. I explained the situation to the sales manager on an email message and so far have been ignored by the dealership and XXXX XXXX.
Consumer complaint received 2020-10-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (NV)

Under Federal Law, National Credit Systems had 30 days to validate my debt. They failed, my request was for the support documents to be sent to me via my e-mail or by certified mail. My rights under FDCRA, the collection agency has " 30 days '' to prove the debt was valid per my request. They did not e-mail nor send the documents to validate the debt certified mail within 30 days. 30 days and " 30 days '' only, not 45 not 60 days. Furthermore, National Credit Systems claimed to have mailed me the documents twice? I have the USPS app which shows me what mail is being delivered to me on daily basis and National Credit System never mailed anything to me. National Credit Systems has over 2600 complaints filed with the CFPB for the lack of response and lying about debt verification. National Credit Systems has lost numerous lawsuits for misleading and false debt verification, violating federal law, and illegal debt  collection methods. The fact of the matter, National Credit Systems did not provide validation of debt to me within the 30 days under the FDCRA. They can not prove to me the documents was ever sent to me by e-mail or certified mail as requested. National Credit Systems has a continued and documented pattern of violating federal law. I hereby demand they remove the debt immediately.
Consumer complaint received 2019-12-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (PA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2020-04-18
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Ability Recovery Services, LLC (SC)

This company has been trying to get XXXX dollars for something that I never had. I reported it to the credit bureaus 5 years ago and had it removed, now its back. Its for some sort of online school. Every month they are reporting it as a charge off. The collection was just open on my report again on XX/XX/2020 2020
Consumer complaint received 2020-04-18
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. (CA)

I applied for an XXXX XXXX credit card today XX/XX/2020 and I was not approved. I called to ask for the reason why I didn't get approved and they told me that it was because there were three accounts that were maxed out on my credit report and some inquiries ; I had no idea what they were talking about since I barely use my credit cards but after looking through my credit report I saw those accounts and none of them belong to me. I did not open those accounts and I have never allowed anyone to open those accounts in my name. I do not have any written/verbal contract with those companies and I have never gained anything from those accounts such as money, goods, services or any other benefit nor have I ever made any payments towards any of those accounts. I filed a police report as soon as I found out about these accounts as well as a complaint with the Consumer Financial Protection Bureau.
Consumer complaint received 2020-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAINE & WEINER COMPANY, INC. (NE)

CONTINUING TO FURNISH INVALID, INACCURATE AND/OR OUTDATED INFORMATION ON MY CREDIT REPORTS. PROVIDING FALSE AND MISLEADING REPRESENTATION UNDER FDCPA AND FCRA GUIDELINES.
Consumer complaint received 2016-12-11
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (AL)

I opened an Everyday Checking Account with Wells Fargo, that was supposed to be free of operating costs, and used it for a while. Without my knowledge, the bank started charging me XXXX $ monthly fee from XX/XX/2016 and swallowed XXXX $ in total in fee and started showing me negative.
Consumer complaint received 2022-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (FL)

We received a refund credit from XXXX for {$800.00} for a purchase previously made on our JPMorgan Chase credit card. When I saw the credit in our account I looked online for a way to transfer that credit amount from our credit card to our checking account, there was none. 

On Saturday XX/XX/XXXX I called the JPMorgan Chase Credit Card customer service. I was explicit with the customer service representative that we wanted the refund immediately transferred into our checking account. She told us she could not do that. Instead she said we would receive an email and would have approximately 4 days to respond to. Responding to that email would allow us to immediately transfer the funds into our checking. 

I watched our email account - including spam folders for the next days, nothing. On Monday XX/XX/XXXX I called again - had the same conversation with a different CSR. She said the same, we should receive an email. I told her again that we wanted the funds transferred into checking without delay. She said she could not do that. 

I continued to watch our email- and spam folder - nothing. On Thursday XX/XX/XXXX I called a third time - and again had the same conversation and was told the same as before. I asked for a manager. He told me that no email had been sent and in fact Chase had issued a paper check, I told him we had zero need for a paper check. Issuing a paper check only benefitted Chase as it further delayed the transfer of our monies into our checking. So in effect, JPMorgan had free money, illegally, from XX/XX/XXXX until yesterday when a check arrived, nearly 3 weeks. 

I believe the actions of JPMorgan Chase are not just wrong, but illegal. They contrevened our explicit instructions to transfer monies that were exclusively our own. I told them these we're funds they were already in receipt of, there was zero credit risk to them. They were holding our monies illegally.
Consumer complaint received 2020-04-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (SC)

IC Systems has been reporting an account for XXXX XXXX. I had paid my XXXX bill the XXXX took over never signed a contract with XXXX XXXX. Could not pay my bill only in person once it was late and I was in South Carolina and Storage Unit was in XXXX. Could never get a hold of anyone to pay. Ended up selling unit in XXXX and are trying to charge me storage rent when I never signed a contract with them and I do not owe what they say I do. IC Systems can never get anyone to answer the phone the website always says its being updated. So cant get a hold of anyone to correct the error
Consumer complaint received 2016-06-27
Product: Credit card — 
Issue: APR or interest rate — 
Company: WELLS FARGO & COMPANY (MD)

With all the offers of 0 % for a limited time, not all banks put the expiration date of the offer on their statements. This has already cost me {$100.00} in interest charges on one credit card because I was n't aware that the offer was expiring and was given the wrong month of expiration when I called. There have got to be many more people who are losing money to banks this way. The consumer should be warned when the offer is expiring to give them a chance to pay the balance in full.
Consumer complaint received 2020-04-18
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. (PA)

The following shows several accounts that's been opened under my name and social security number as a result a fraud! TransUnion have been reporting these negative remarks on my credit profile and its affecting my life. 

Creditor : XXXX XXXX XXXX XXXX Condition : Derogatory Balance : {$540.00} Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Remarks : Placed for collection Creditor : XXXX XXXX Condition : Derogatory Opened : XX/XX/XXXX Reported : XX/XX/XXXX Original Balance : {$1200.00} Current Balance : {$0.00} Creditor : XXXX Condition : Derogatory Original Balance : {$0.00} Current Balance : {$1300.00} Condition : Derogatory Opened : XX/XX/XXXX Reported : XX/XX/XXXX Also, follows are a list of unauthorized hard inquires : XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2016-07-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo has reported that they have suspended foreclosure process due to an active bankruptcy case but they have filed a hearing with XXXX XXXX Bankruptcy court to lift automatic stay so they can proceed with foreclosure of my home. Wells Fargo continues to violate local, state and federal laws in their pursuit of illegal foreclosure of homes. The attached documents will prove Wells Fargo is dual tracking for purpose of illegal foreclosure during active Chapter XXXX case.