davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-02
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. (MO)

Certified mail/return receipt has been sent as of XX/XX/2021 to Equifax. Included in the documents there is an FTC identity theft, reporting companies creating accounts using my personal/private information without direct consent, Equifax is well aware I am a consumer and I have a right to privacy pursuant 15 usc 1681 ( 4 ). Equifax has allowed my reputation to be violated because their lack of following procedures, I have provided an affidavit of state stating the violations, each company involved does not have permissible purpose to be on the report, pursuant to 15 usc 1681b ( 1 ) ( 2 ), so they are operating ting out of compliance, and are liable for 15 usc 1681n and 15 usc 1681o. I have provided my demands pursuant to 15 usc 1681b ( 2 ) to remove such accounts and block the information on the file, EQUIFAX has 4 days of the notice to remove the information listed within FTC identity theft report and the affidavits. I have personally sent all these documents to EQUIFAX, this is not a third party and I have sent EQUIFAX all documents required by law.
Consumer complaint received 2020-08-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: PNC Bank N.A. (IL)

We need to get a prepaid credit card or reloadable card for our son who is XXXX but is living with another family member due to playing hockey. PNC does not offer either for him because he's XXXX. When I tried to sign up for " XXXX '', PNC does not allow bank transfers to this card. 
I have never had a bank be so difficult to work with ever.
Consumer complaint received 2020-08-10
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. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXXXXXX {$100.00}
Consumer complaint received 2020-08-10
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. (TN)

XXXX XXXX sent me a letter saying I need to log onto their website. The website does not work and it's consistent with the conspiracy of fraudulent reporting a bankruptcy that does not exist. I have reported this several times and they are still lying about the bankruptcy that they can not verify with the XXXX District of Kentucky Bankruptcy. If you guys can not provide proper oversight I will be force to sue the three bureaus and XXXX XXXX in court. This is not a tolerable action in which a citizen should be subjected to. 

The three credit bureaus are conspiring with XXXX due to the fact they are a paid subscriber and we are now understanding that there is a monetary gain for consumers to have bad credit. Their sponsors make more money and this process will be presented to a federal court.
Consumer complaint received 2020-08-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CUSTOMERS BANCORP, INC (CA)

I am a student and my school forces students to go through this bank for my federal financial aid disbursement. An account was opened without my consent and I was supposed to be sent a bank card to access my account. This card was never sent to me. When I contacted Bank Mobile they said they were going to charge me {$10.00} each time I request a card, as a " replacement fee ''. This is not a replacement, I have no card and can not access my money. So I attempted to transfer the money out of the account, but the system will not allow me to without the pincode from the card that does not exist. The system has now locked me out of the account, and I can not even see it, but it STILL has my money in it, and I STILL have no bank card, and no one at customer service is providing any resolution.
Consumer complaint received 2021-07-07
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. (VA)

On XX/XX/2020 I received an inquiry on my Equifax credit report that XXXX XXXX XXXX was pulling my credit report for a loan that was applied for with my personal information. This was an attempt of fraud and identity theft. The company is XXXX XXXX XXXXXXXX. I have disputed this with XXXX XXXX and XXXX XXXX. I have an affidavit where someone attempted to apply for a loan in my name and personal information. I also have a signed police report form. 

Equifax is refusing to remove this HARD INQUIRY from my report after I have submitted all of the documentation showing it was fraudulent activity. My credit report is on a freeze to help prevent any one else from stealing my personal information. 

Please help me remove this from my credit report.
Consumer complaint received 2021-07-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (CT)

XXXX < -- This claim is not resolved. 
After being told if I refinanced my loan I would have PMI removed. Rocket suggested an appraiser that I used.

The appraiser appraised my property @ {$12000.00} ( 6 acres in CT ). After I discovered the error, Rocket suggested I pay for another appraisal. My annual property tax on the land alone is over 10X the value that was appraised ( $ XXXX attached ). Quicken told me to wait until XXXX XXXX was assigned to have it changed. 
After closing Quicken told me that it should have been changed before closing. QuickenRocket refuses to correct the problem.

I have a long email correspondence that I can forward that contains communication about the points listed above ( email thread uploaded with tax assessment value of local municipality & appraisal. After closing a % of PMI was added back on and the land value was never considered for 5 more years. 
The online ( XXXX etc. ) note the value of the property much higher than the appraisal that doesn't reflect the $ XXXX in remodeling I have had completed but still exceeds the 80 % needed for PMI removal. 
I have made 6 months of payments with PMI attached that would cover the cost of the appraiser.

Rocket originally told me there would be no PMI due to the value of the home but changed it at the last minute before closing. 
The home value has also increased since closing.
Consumer complaint received 2018-11-13
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. (UT)

XXXX XXXX is reporting debt collections on my credit file that I do not owe. These collections are not mine! I have never received any notices for them, and I do not know what they are for.
Consumer complaint received 2020-08-10
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A. (IN)

I have been attempting to transfer money from my PNC checking account to my girlfriend in the XXXX. The transfer company, XXXX, asks me for my account information which I try to send. I am denied the request by PNC, stating that I do not have proper authority to access my account. I called the bank and was told XXXX can help me get approval for the transfer. XXXX has told me that they can't, the bank is the only one that has approval to access my account. 
I am lost!
Consumer complaint received 2020-08-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (NY)

Under 15 USCA 1692 c of the Fair Debt Collection Practices Act, this is my formal notice for you to cease all telephone calls except for those permitted by federal law. I am not cutting off communication with your company but rather reduce all communication to writing from here on out. 

This letter is your formal notice to cease the pursuit of a debt that has already been paid, and for you to confirm the {$0.00} balance owing on the account in the referenced matter below. I'd also like you to confirm that you in fact accepted my payment of {$140.00} on XX/XX/2020. 

The debt was originally owned by XXXX XXXX XXXX XXXX for tolls. 
The account number given will be the license plate number will be included in this request under account number. 

On XX/XX/2020 after being given verbal permission from XXXX XXXX ( Which was recorded ) a Transworld Systems Inc. representative and I made a verbal agreement to pay the specific settlement amount of {$140.00} in exchange for the account to be closed. I paid the agreed settlement amount of {$140.00} which I have proof of via bank statements. Transworld Systems Inc. tells callers before the conversation even starts ; that the phone call is being recorded. So they have physical proof of this phone call. I would like to request a transcript of this phone call as proof that my debt has been paid and should be closed. This is no longer an open account. 

I have had two calls with Transworld Systems Inc. in which information was being provided to me about the account with no problem. On the 3rd call to check on the status of the closed account. Transworld Systems Inc. took it upon themselves to revoke my given permission to negotiate on behalf of XXXX XXXX for the debt owed. 

I am willing to take legal action if this account is not closed within 15 days of receiving this request. I am willing to take legal action if I do not receive a written response ( including a written transcript of phone calls between me and Transworld Systems Inc.representatives ) within 15 days of receiving this request. 

Sincerely XXXX XXXX
Consumer complaint received 2022-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

So i sent a letter off on XX/XX/2022. To remove personal information that i dont want on my credit report. According to the Fair Credit Report Act 12 USC 1681. I have the right to Privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protection consumer rights..
Consumer complaint received 2023-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma (MO)

On or around XXXX I saw a lot of pre approvals on CreditKarma.com. At first I didnt pay it no attention but credit karma kept sending me all sorts of different pre approvals telling me that I was pre approved for credit cards, personal loans and that I could refinance my car everyday I would see these offers EveryTIME I logged into to check my credit scores. So after a few months of being told I was pre approved I thought I was now in the prefect place to apply. I got so many offers through credit karma I started telling my family about vacations and investments we were going to use these pre approvals for. So I applied on or around sometime in XXXX and I got got denied for 2 credit cards and 2 personal loans. I was very confused and distraught. I was anger and I felt deceive. I was marketed for months, Credit karma told me I was pre approved and it was a lie. I was Severely stressed and had bad Migraines I became antisocial. My anxiety went from 0-100. Now Everytime I see pre approvals i get uneasy.
Consumer complaint received 2020-08-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CUSTOMERS BANCORP, INC (CA)

Bank gives the impression that there are no service fees if you maintain a minimum {$300.00} balance. This is the preferred XXXX XXXX XXXX  XXXXXXXX University for student refunds of excess educational fees paid. Upon started the account ( which I understood was necessary ) I deposited {$300.00} of my personal funds to eliminate any account fees. Later my school deposited an additional {$450.00} refund. During the brief four-month period I had the account they charged me their {$3.00} per month fee for apparently the two months I didn't have actual deposits ( NEW ). Their service appears misleading in it is difficult to understand " maintain {$300.00} '' versus a " qualified {$300.00} '' which sounds like a balance.
Consumer complaint received 2021-07-07
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.
Consumer complaint received 2020-08-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

I have a business checking account at Chase & they have recently began deducting Monthly an Account Maintenance Fee in the amount of {$9.00}. I never gave them permission to charge me for this nor was I notified they were going to do this. I want to be reimbursed for the fees already collected & all future fees waived. 
I have spoken with Chase & all they say is there is nothing can do. 
I hope you can help me
Consumer complaint received 2021-07-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (WA)

Citi Bank - I opened an account in XX/XX/2020. I used a new account promotion and deposited {$50000.00} in the account to receive a {$700.00} new account bonus. I met all qualifications for the bonus. The bonus was due to be paid by XX/XX/XXXX. It never showed in my account. I called several times. I was then told my account needed to have the social security number verified. I sent in 2 different tax id forms to Citi Bank. I was told once the id was verified that the bonus would be paid to the account. I was told that on XX/XX/XXXX the account was id verified. As of XX/XX/XXXX I have not received the {$700.00} new account bonus. I have called Citi Bank many times - speaking with supervisors every time. Each person tells me I qualified for the bonus and that the 'back office ' is working on it and that it will be in my account in 2-5 business days ... ..each supervisor tells me they will follow up and call me back. No one has ever called me back. As of today, I called again and was told the same thing by Citi Bank - as of today ... XXXX XXXX there is still no deposit to my account. They lie every time I call them - Citi Bank.
Consumer complaint received 2018-11-13
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: MRS BPO, LLC (MI)

The most recent call was today at XXXX XXXX They have called me well over 90 times in about 4 months for somebody who doesn't even have this phone number and I've asked them not to call me back and they still do. They will call multiple times a day sometimes and they never leave a message. They are supposedly called M.R.S. associates and are in XXXX XXXX
Consumer complaint received 2020-08-10
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2021-07-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (VA)

Over the years I borrowed Like {$80000.00}, now I owe {$200000.00}. First of all this is crazy. The interest is ridiculous. I have asked they consolidate ALL my loans which they have NOT. The President has payments on hold, EVEN defaulted loans. I can not get a break, they call me over and over again day after day. I have tried to go online to at least make a particle payment. But their site says it doesn't recognize me ( how can you give your birthday & SS number and it not find me ). If this is so, how can they keep calling me. I sent them an email a while back about the Presidents Hold, that just made them call me more.

I just want to make them stop calling me until repayment starts. I also want to get online to their site without having to call them because if I call they just harass me more. Please tell me what to do.
Consumer complaint received 2021-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: M&T BANK CORPORATION (MD)

On XX/XX/2021 I deposited a USPS money order into my account at M & T Bank, XXXX, Maryland. 

Since then I have not had access to my funds as they are not available, even though M & T Bank 's letter of XX/XX/XXXX stated that my funds would be available in five business days. This letter was quite offensive and basically accused me of the unlawful act of passing a fraudulent financial instrument. Moreover, M & T Bank 's app and website both state that my funds are available. 

Unfortunately, I reasonably relied upon M & T Bank 's multiple patently false and misleading statements about the availability of funds my M & T Bank account. These false statements regarding the availability of funds in my account were published in its offensive written communication and on both the app and on the website. Customer service also " promised '' me that my funds would definitely be available on the morning of XX/XX/XXXX. 

Therefore, having a reasonable belief that these false and misleading statements from multiple M & T Bank sources were true, I have twice attempted to transfer funds to my other bank. I am unable to complete the transfers and have received additional offensive emails stating that fraud has probably occurred on my account. All this because I had an entirely reasonable belief, based upon M & T Bank 's false and misleading statements that my funds are available ; and was simply attempting to transfer my own funds to my other bank. I called customer service at M & T Bank and was informed that my funds are not available as a hold has been placed on my funds while M & T Bank does a " fraud investigation. ''
Consumer complaint received 2021-07-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (OH)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
Consumer complaint received 2021-07-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (FL)

My car loan is with Hyundai Motors. For the past 6 monthsin 2021 I have been over paying by about {$31.00} a month. I have asked them to apply the overage to my principle. After battling with them for over 3 months, they charge me late fees for which I do not owe. They have not applied the over payments to my principal but have credited to the interest, making extra money for themselves. Every week I am on the phone with them and no one seems to know what they are doing. I don't owe late fees but this is what they come up with after I have been over paying. My account now says I owe {$61.00} more than my care note is for no reason. They are trying to rip me off. 
When covid hit, I got an extension and they approved it. Now they are trying to say I was late last year. If I was late, they would never have given me an extension.
Consumer complaint received 2020-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LoanCare, LLC (ID)

On XX/XX/XXXX I applied for mortgage deferment / forbearance for two rental properties I own. Loancare / XXXX services both mortgages. I received auto-reply messages saying my forbearance request was received and I should turn off the AUTOPAY direct debits for the loans. I did so. On XX/XX/XXXX, I received LATE PAYMENT notices for both loans. I responded to Loancare with detailed emails and phone calls ( that are not answered ). I received an auto-reply from Loss Mitigation with a Ticket Number and instructions on how to apply for forbearance ( which I had already done, twice, with two confirmations of their acceptance. ) See below : # # # XX/XX/2020 ( Reference number : XXXX Please use this ticket number in any correspondence with us. ) Subject : Loss Mitigation Dear Valued Customer, Thank you for contacting us. 
A Message About Coronavirus ( COVID-19 ) and How to Apply for a Forbearance Thank you for contacting us about your mortgage. If you are experiencing financial hardship due to the coronavirus ( COVID-19 ) pandemic, continue reading for information about your relief options. 
On XX/XX/2020, the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) was signed into law. The CARES Act allows mortgage borrowers to request a forbearance with an initial term of up to 180 days ( 6 months ). When the initial term expires, mortgage borrowers can request an additional term of up to 180 days. 
# # # More phone calls that never get answered, more emails that have an auto-reply. 

I then SELL the homes. And the loans are paid off. AFTER the sale is closed I learn that LoanCare has marked my loans as 60 days late making it impossible for me to modify any other loans. My web portal ( to login to Loancare ) is now closed. And they still don't answer the phone. 

Please help. 

XXXX XXXX
Consumer complaint received 2020-08-10
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. (CA)

45 days ago i file disputes with the credit bureaus. I have yet to received anything regrading my results. I feel 45 days is enough time to submit what i asking for.