davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (IL)

XXXX XXXX XXXX claims I owe XXXX XXXXXXXX XXXX XXXX {$1800.00} from XX/XX/XXXX. I have NEVER had such account. I sent papers asking them to verify. They did not. They filed a civil case against me ( XXXX ) XX/XX/XXXX. I again answered that asking for verification. They sent only my name and address back. Had a bench trial XX/XX/XXXX - XXXX - XXXX county court house - Judge XXXX - Judge asked lawyer ( Atty XXXX ) for XXXX XXXX XXXX to verify. They could NOT. CASE WAS DISMISSED. I have, on numerous times, contacted XXXX XXXX XXXX - C/O Resurgent capital services - XXXX XXXX XXXX - XXXX, SC XXXX - ( XXXX ) XXXX, asking them to REMOVE the collection from my credit report. I have contacted XXXX and XXXX also several times and disputed the collection. I CAN NOT GET IT REMOVED FROM MY CREDIT REPORT. This is not my account and I should not have it on my credit report.
Consumer complaint received 2020-11-29
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: CITIBANK, N.A. (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2023-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (GA)

Credit Card was hacked originally and Barclay would not resolve the issue. I chose to pay off the card and close the account. I paid {$800.00} on XX/XX/XXXX. Another payment of XXXX on XX/XX/XXXX. And then got notified that there was still a balance on the card of XXXX. That was paid off on XX/XX/XXXX and i requested that the account be closed at that time. I was working on getting a loan approved and was informed that the account was showing in collections. I reached out to Barclay and found that they had put my account in collections over a charge of XXXX that was on XX/XX/XXXX. This was almost an entire year after the account was requested to be closed. I dont have the card and did not make this purchase. I called Barclay and even offered to pay off the account, even though this was not my charge. I was told by Barclay that we would have to mail in a payment of XXXX to Card Services in XXXX and that they could not take the payment over the phone. I have never payed this card late or missed a payment on this account until the charge after the account was to be closed. I also had this card setup on autodraft for the payments to be made automatically. There should never have been a reason to XXXX allow the charge on an account that was requested closed by the account owner. XXXX never went to collections when it was setup for autodraft from my bank account for payments to be made automatically.
Consumer complaint received 2021-03-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (CA)

USbank mailed me a letter on the XXXX XXXX to inform me about closing my account. In the letter, it was stated they had mail me a cashier check for whatever balance in my account within 15 business days after my account is closed. On the XXXX XXXX, they confirmed that my account is closed after I called customer service for balance, up till now, I have not received the cashier check as promised for balance left in my account.
Consumer complaint received 2023-03-28
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: EQUIFAX, INC. (FL)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2020-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Due to Covid -19 my airline tickets were cancelled. There is no balance due on the card. The bank has gotten payment in full for the tickets. The money, from the airline, was put back onto my Bank of America credit card. That was on XX/XX/XXXX. I contacted them to refund me my {$2100.00}. I asked for an electronic transfer and gave them the bank routing number and account number. After holding my cash for a week nothing was done. I called them again. This time I was told they were not allowed by law to refund via an electronic transfer. It had to be a check made out to me and sent to my home address. They said it was in progress and I should have the check within a week. Now another week has passed and they still have not refunded my money. How long can they hold my funds before they transfer the money back to me? Is it true they can not do an electronic transfer. I have friends that have received refunds from another bank using an electronic transfer. They are collecting interest or lending out my funds. I thought I had the right to an immediate return of funds. If I owed them money they would call the credit bureaus, start debt collection. What are my options?
Consumer complaint received 2023-03-27
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. (CA)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-04-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Delivery Financial Services, LLC (OK)

Received two collection accounts from Delivery Financial Services on all three credit reports. I never received written notification about these debts. Debts were added XX/XX/21 XXXX for {$100.00} and one for {$100.00}. Both debts were paid off directly to the Lender, not the collection agency. I called XX/XX/21 to ask them to remove these from my reports as I never received any information. They claimed they sent 3 letters, I never received anything in regards to the medical provider, XXXX  XXXX. No dates were provided as to when they sent the collections.
Consumer complaint received 2023-07-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (VA)

I discovered un-authorized transactions that occurred on my account from XXXX to XX/XX/. I quickly reported the incident to the bank. They filed 6 claims on my behalf. One of my claim was denied and am reaching out to CFPB to assist me in retrieving my stolen money
Consumer complaint received 2022-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

Hello, I have sent Experian credit service. XXXX letters to remove an address that is incorrect. i also asked Experian to mail a copy of my report. Experian credit service fail to mail a copy of my report on 3 request. Under the fair credit act. credit reporting companies. must furnish credit reports and after all disputes. under the fail credit act USC 15USC1681 all information on my report must be factorial. Its very frustrating, Experian is the only one reporting my incorrect address. XXXX and XXXX have my correct information list and have mail me copies of my report. please have Experian make the correction immediately. I will enclose a copy of my driver license and copy of a utilities bill showing my correct address. all of address should be removed. 

Thank you, XXXX
Consumer complaint received 2019-02-19
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. (VA)

On XX/XX/XXXX I disputed enormous accounts on my credit file, on XX/XX/XXXX I  received a letter back from the credit reporting agency stating the debt was verified as accurate. After much frustration I then sent in a letter requesting the method of verification used to identify these enormous accounts as indeed belonging to me. I clearly stated my right according to FCRA and also asked for names, address, and phone number of the furnishers they spoke with, I also that they respond within fifteen days. I sent my letter through certified mail and it has been well over 15 days since they have received it without any response from the credit reporting agency which I believe is a complete disregard to comply with the FCRA laws. 

Update : I received a letter in the mail about 30 days after I requested a method of verification. It was the same exact letter that was sent to me when I first disputed the accounts. Saying they opened another dispute which I didnt ask for and that the accounts again are verified as accurate. Please help me. Thank you.
Consumer complaint received 2024-01-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PNC Bank N.A. (NJ)

AFFIDAVIT OF TRUTH. 
The writ I provide for the record, on the record and let the record show, I make freely, with first hand knowledge, as the truth, the whole truth and nothing but the truth, full competent affiant sayeth the following ; In or about XXXX XXXX an Indenture Security, secured by a Promissory Note [ money ] and real estate, for which I never received consideration for as the Grantor for said instruments, executed with whom I was let to believe was XXXX XXXX XXXX XXXXI am the beneficiary, and investor for both instruments, having never received disclosure for such. 
XXXX XXXX is the Holder of the Indenture Security, and has assigned PNC BANK , NATIONAL ASSOCIATION as the sub-servicer for the Indenture Security [ mortgage ]. 
At issue under the SAFE Act, XXXX XXXX XXXX XXXX XXXX, upon checking XXXX XXXX XXXX XXXX XXXX PNC BANK, N.A. has no license to engage in either " loan servicing, nor Indenture Security [ mortgage ] brokerage activities, and I see no records for them having prior authority, unless they can provide to the contrary. 
What they and XXXX XXXX have attempted to do, was switch roles to make me the Surety, Fiduciary, Trustee, when clearly as per INTERNAL REVENUE SERVICE MANUAL 1635 ( REV XXXX ), Catalog XXXX, section on Trust, see page 7, XXXX XXXX XXXX XXXX XXXX and by extension XXXX XXXX are Trustees, for the said instruments, and I the beneficiary, and Executive Order 13502, federal payments for Beneficiaries. 

They, XXXX XXXX, by and thru their Owner Trustee, under Indenture are responsible for any debt, and non payment, not I. 

Attorney XXXX XXXX XXXX, originally a defendant in suit I action against XXXX XXXX, XXXX PNC BANK, N.A. President, for fraud, along with XXXX XXXX XXXX, have sought to foreclose on an instrument neither are party too, and are the wrong party in interest, having no standing and their client no State of XXXX XXXX Loan/Mortgage license to take such actions. 

Consult the Trust Indenture Act, XXXX, XXXX, XXXX for reference on Indenture Security, the National Security Act for Notes, XXXX XXXX and SEC securities laws for registration of Promissory Notes secured by Real Estate. 

If my search is wrong, I ask them to provide proof of such for the record under their full commercial liability, and under the Penalty for Perjury, under the laws for UNITED STATES, the united States of America ; XXXX XXXX XXXX XXXX XXXX number, proof they are a Beneficiary, Title to the Property, registration number of the Promissory Note, registration number of the Indenture Security [ mortgage ] instrument, CUSIP AND CIN numbers, A UCCI Financial statement, proving me as the Debtor and they the Secured Party. 

I write this with full commercial liability, under the Penalty for Perjury, under the laws for UNITED STATES, the United States of America. 

XXXX XXXX, XXXX XXXX u/d/t.
Consumer complaint received 2021-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (NC)

The comenity bank/forever 21 illegally and incorrectly reported that my credit limit was {$35.00} in which it was {$350.00} and made my credit score go down drastically.
Consumer complaint received 2020-05-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (CA)

I have a HELOC with Citizens Bank. My rate is Prime - 1 %. Prime rate was reduced on XX/XX/2020 ( from 4.75 % to 4.25 % ) and again on XX/XX/2020 ( to 3.25 % ). The rate on my HELOC should have been 2.25 %, however, the rate on my loan continued at 3.75 % through XXXX. I have tried calling customer service, but their agents are not able to answer my questions. I have requested copies of my loan documents both with customer service and on line to no avail. As I am not able to get answers to my questions I am out of patience and am requesting that the CFPB investigate this matter. Thank you.
Consumer complaint received 2022-07-14
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: Experian Information Solutions Inc. (CA)

This account has already identified as fraudulent. The credit bureaus have deleted this account after I submitted a ftc report with other supporting documents. On XX/XX/XXXX the company XXXX XXXX XXXX obtain a copy of my credit report without my permission, only to re report this fraudulent account causing my credit to crash! Speaking directly with XXXX XXXX XXXX  has gotten my no where! The account in question was open XX/XX/XXXX. The partial account number is XXXX
Consumer complaint received 2021-04-07
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: MARINER FINANCE, LLC (FL)

MARINER FINANCE LLC has been in violation of the FCRA over a course of years. There is no more room for negotiation if they do not remove the false information. I will seek litigation against MARINER FINANCE LLC.
Consumer complaint received 2015-08-27
Product: Credit card — 
Issue: Other fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I was told my son first year annual fee would be waived and the supervisor refused to waive it.shw claims would be in paperwork ... I tried to tell her not in paperwork because it was only for first year so it would shout annual fee after that..she blatantly would not help and waive few when we were advised it would b for first year
Consumer complaint received 2022-07-14
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: Experian Information Solutions Inc. (GA)

I have 8 inquires on my credit reports from companies i never did business or re-apply for any other services from them on my XXXX I have 5 companies i never gave permission on did any business with XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX. XXXX i have XXXX, XXXX, & XXXX also same companies are on my Experian XXXX, XXXX XXXX XXXX so i would appreciate your assistance in getting these companies remove from my credit report thank you XXXX XXXX
Consumer complaint received 2020-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ALLY FINANCIAL INC. (MO)

Ally Finacial has been receiving our loan payments for quite sometime ... we have refinanced the car in XX/XX/XXXX and found that they have not been reporting the payments of the loan since XX/XX/XXXX. I placed disputes with XXXX  but they are saying its resolved and it hasnt been. I also would like this updated with XXXX  and XXXX.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

i would like the discrepancy on payments be put paid as agreed as those late payments are not correct. as you can see i have them all marked in red I would like the credit bureau to furnish me the procedure they went to to get information about bankruptcy that is showing on my report, the source of information asnd how they were able to get that information. 
I would like the bureau to send me a copy of the contract of all the accounts of my report with signatures that were signed with copy of the drivers licence, social secuirity card and Id to validate if those accounts are mine.
Consumer complaint received 2022-07-14
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. (GA)

I have 8 inquires on my credit reports from companies i never did business or re-apply for any other services from them on my XXXX I have 5 companies i never gave permission on did any business with XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. Equifax i have XXXX, XXXX, & XXXX also same companies are on my XXXX XXXX, XXXX XXXX XXXX so i would appreciate your assistance in getting these companies remove from my credit report thank you XXXX XXXX
Consumer complaint received 2018-03-15
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MD)

I am a XXXX XXXX veteran who after refinancing proceedings with Wells Fargo Bank took place, paid a XXXX County of Maryland state and county tax bill. I should note that I am a first time home owner. The bill arrived XX/XX/XXXX for the period of XX/XX/XXXX to XX/XX/XXXX. The amount paid in full came to {$440.00}. I have an escrow account with my mortgage through Wells Fargo but my bank is XXXX XXXX  of Maryland. The amount was paid to XXXX County Maryland on XX/XX/XXXX and I have my bank statement copy for proof. Since there is no system in place to not have bills be mailed out for existing escrowed account mortgage holders, I've tried on numerous attempts to get my refund from Wells Fargo Bank ( Mortgage and Escrow Division ). I have gotten nothing but a run around and been told that the amount would be refunded. My last attempt yielded nothing after communication with a Wells Fargo Manager whom I faxed my copies of the tax bill and my bank statement to after their fax number was given to me. I have also tried contacting a XXXX XXXX XXXX ( Director of the Office of Budget and Finance for XXXX County ) concerning possible resolutions of escrow situations and bills mailed to taxpayers. It has been since XX/XX/XXXX that Wells Fargo Bank has faulted on my refund with one excuse after another. Please investigate and I will await your response to this dilemma. Thank you
Consumer complaint received 2020-11-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Students Come First (MA)

I began using " Students Come First '' website : studentscomefirst.us Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX They claimed that if I payed XXXX dollars a month for the next 6 months, My student loans that are currently in Federal Default, qualify to be forgiven. I can not find any information on the company, no complains or statin it is a scam. I have been contacted by an XXXX XXXX and a XXXX XXXX, in regards to the process. I have tried calling them back and emailing them, and no one answers. I have already paid them almost {$500.00} in the past and I need to know if this is a legit company. 

Please advise.