davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (OH)

I wrote a check to my land lord for the month of XXXX XXXX XXXX for {$570.00} and it was cashed. It was not cashed by my land lord but by a Construction Company illegally. 
I had to write XXXX to replace XXXX for {$570.00} to my land lord and it was cashed correctly ; by my land lord. *At the same time this was happening in the month of XXXX, my land lord was calling looking for XXXX rent, I had already issued out my rent check for the month of XXXX, which was XXXX for {$570.00}. At that time he indicated that my rent was being raised to {$600.00} a month because of this. I supplied the cashed check showing it was cashed illegally by the Construction Company. Didn't matter so I had to issue XXXX for {$600.00} for the month of XXXX. On XXXX/XXXX/21 a deposit was issued into my acct. for {$570.00} and XXXX/XXXX/21 for {$570.00}. On XXXX/XXXX/21 {$570.00} was removed from my account as a debit by PNC. Now I am being told that my land lord has the extra {$570.00} that I am owed and I can't get something in writing explaining what happened. My land lord believes he has no extra money and expects XXXX rent. Today 's explanation was that even though the Construction Co cashed the check it still came out of my account. The {$570.00} that was removed XX/XX/21 is my actual money. 1. this should of never impacted my account in the first place. 2. I want an detailed explanation for my records & to supply my land lord who will try to evict me over this. 3. I'm not sure how I'm chasing down my money 4. they shouldn't be able to go into accounts pulling money without issuing something in writing regardless, especially when it was their errors in the first place.
Consumer complaint received 2021-09-22
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: M&T BANK CORPORATION (NJ)

there are two accounts on my report that do not belong to me. 
CREDITOR : M & T BANK ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE OWED : {$0.00} BUREAUS TO DISPUTE : XXXX, XXXX, XXXX CREDITOR : XXXX XXXX  XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE OWED : {$6000.00} BUREAUS TO DISPUTE : XXXX, XXXX, XXXX
Consumer complaint received 2021-09-22
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. (GA)

Dear To WhoXXXX XXXX XXXX XXXXncern, On XX/XX/XXXX, I have contacted XXXX about un-authorized payments made and un-authorized charges made on my account. I have provided detailed information and all the charges that were not authorized. Someone had hacked my online account and added the card to their XXXX XXXX/online charges. When I notified XXXX they disputed all the wrong charges : which caused all of my merchants that were on auto-pay to be owed again. They apologized and attempted to sent the money back to the merchants that were authorized. With Speaking with them again on XX/XX/XXXX, I have spoke to another representative to have the correct charges disputed. At that point I have closed my account to make sure not other charges go through. With the ATTEMPTED correct dispute. I have waited another 60 days and they have denied my claim. Un-Authorized payments and charges were made on this account and they kept denying my claim. I offered to file a police report and XXXX on XX/XX/XXXX said it wouldn't have mattered. Complete mess, My limit was {$3200.00} and it shows I owe over {$14000.00}. Explaining the situation again they wanted to set me up on a hard-ship payment plan which they did for 60 months. I am not responsible for the mishandling of this account by the fraudster or the bank. This has been a total nightmare dealing with this bank and trying to get this account resolved. On XX/XX/XXXX, I called 3 times and got hung up on. Attempted to speak with a manager for a settlement ( even though these charges are not mine ) except the ones that were for my bills. They told me no settlement is available and I made these charges. Why would I rack up {$14000.00} of debt if my limit is only {$3200.00}. My account prior to this summer was paid on time and kept a low balance. I have been treated so bad and this is ruining my life. I am tired and stressed about this situation and don't know what else to do. I received a call back from a supervisor named XXXX on XX/XX/XXXX. She stated she doesn't know why I was held responsible for these charges but can not settle. They don't have that option anymore. I will provide a police report or anything to have this account situated. I have been dealing with this for almost a year. They told me they can file a complaint but that wouldn't do anything. I told them I would go with the CFPB and possible an attorney she said it did not matter they can't help. I am not sure if you can help but this is driving me insane. Please assist me in this matter.
Consumer complaint received 2022-12-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: AMERICAN EXPRESS COMPANY (FL)

according to the Fair Credit Reporting ACT, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Singnautre on it ) you have on file of the accounts listed below.your failure to positively verify these accounts has hurt my ability to obtain credit.Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Consumer complaint received 2021-06-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc. (FL)

( AR RESOURCES INC ) at ( XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ) has been sending me collection notices in the amount of ( {$390.00} ). The collection has been reported as passed due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.
Consumer complaint received 2022-04-16
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. (TN)

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXXXXXX XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXXXXXX XXXX XXXX # XXXX Date : XX/XX/XXXX Furnisher : XXXXXXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXXXXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX  Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX XXXX XXXX. Date : XX/XX/XXXX XXXX : XXXX XXXX XXXX. Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX
Consumer complaint received 2021-11-24
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (CA)

I have wire transferred {$1000.00} to my own account on XXXX XXXX but I have chosen the wrong bank from the options Citibank provided. Then I called Citibank to recall the money on XXXX XXXX and they said they'll recall the money and I'll get my money back within XXXX weeks. I kept following up with them in the past XXXX month and they were unable to provide any information to me. Like what's the difficulties and why it's take so long, they just ask me to wait. Now it's already XXXX months and they still don't have a timeframe for me to get my money back which makes no sense. Please help me to get my money back. Thank you!
Consumer complaint received 2022-04-25
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. (SC)

I already sent a validation of debt and creditor letter to these accounts which are violating my federally protected consumer rights. XXXX XXXX [ XXXX and Equifax XXXX, XXXX  XXXX XXXX XXXX [ XXXX and Equifax ] XXXX XXXX  XXXX XXXX XXXX XXXX XXXX [ XXXX and Equifax ], XXXX XXXX, XXXX XXXX  XXXX. Under the Fair Credit Reporting Act and HIPAA Privacy Rule, these accounts listed above have violated my rights. According to 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Especially this account XXXX XXXX it is inaccurate and appears multiple times in my account.
Consumer complaint received 2022-09-30
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/2022 approximately XXXX MST - I contacted Chase to let them know that their reasons for denying extending me credit was based on listing factors that are illegal and in clear violation of 15 USC 1605 and 15 USC 1662B because they participate in truth in lending act - they can not demand for cash payment in a consumer credit transaction, it is against the law to deny me credit because I did not put down cash down payment. Chase is also in violation of 15 USC 1691 because it is unlawful to deny me credit as this is an adverse action. Moreover, in the listing factors they used to deny me credit, Chase was in violation of 15 USC 1692 for unfair business practices and deceptive conduct and 15 USC 1611 for false and misleading listing factors they used to deny me credit in this consumer transaction.
Consumer complaint received 2021-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

THESE ACCOUNTS WERE LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESES COMPANIES, PLEASE HAVE THESE ITEMS REMOVED FROM MY FILE.
Consumer complaint received 2021-11-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (CO)

We were notified by email from Wells Fargo Bank that our address had been changed per a USPS change of address request. We called them to say we did not change our address and that it should be changed back immediately. In the interim, an attempt was made to add our Wells Fargo credit card to  an unknown XXXX user 's device ; fortunately, that charge did not go through. We asked Wells Fargo why they would change our address without our authorization and they said that they rely on USPS change of address requests to do so. We complained about this and they agreed to elevate our concerns to their " Executive '' department ; we received a letter basically reiterating their practice of such updates and apologizing " for any inconvenience. '' We contacted USPS and there is no record of any change of address being made - their fraud department is running its own investigation. The question is how could Wells Fargo make a change with no change of address existing? We have written them another letter asking them the same question but doubt it will elicit any different response. We are forwarding our concerns to you as we question this practice - in today 's age of identity theft, it seems like a very unsafe thing to do for a banking institution meant to safeguard our monies.
Consumer complaint received 2021-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : XXXX, ID, Identity Theft report
Consumer complaint received 2022-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

I feel like I'm being taken advantage of being ignored of my disputes. It is clearly stated on XXXX that failure to examine an item within 30 days is cause to instantly remove it off my credit report. Since it has been over 60 days, these entries should be deleted immediately. I demand that these accounts be deleted immediately, or I will sue you for the stress you have caused me.
Consumer complaint received 2022-04-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

I had opened a bank account with JP Morgan Chase online on XXXX XXXX so I could deposit my Stimulus check. After the account was approved I mobile deposited my stimulus check in the amount of {$4200.00}. I was given {$100.00} to use until the check was cleared which was supposed to happen by or before XXXX XXXX. I did not have my debit card yet so I sent {$90.00} of my available balance to my roommate so that she can give me the cash that I desperately needed. I received an email from Chase bank on XXXX XXXX saying I could not use my account and that they sent me a online message which I could not open due to the fact that Chase bank disabled my account so I could not even log in to see what the notice was about or why the closed my account. I then contacted the bank multiple times and was not notified to do anything to clear my account and get my funds. I called two weeks later and the customer service rep I spoke to said that my account was closed because I did not turn in my identification card. I was never told to turn in any form of identification and never received notice to do so. I also forgot that I had put a block on my credit report when I opened the account and I forgot to lift that when I applied. I dont know if thats why they closed my account or not but I did explain that to the customer service rep when I called and was still told nothing. Its been a year and I desperately need my money. I have all email communication between Chase bank and I, my identification, IRS transcripts, credit report, and the original check that I deposited.
Consumer complaint received 2022-08-28
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: MIDFIRST BANK (OH)

In XXXX of XXXX the courts here in Ohio granted me ownership of the property at XXXX XXXX XXXX XXXX Ohio through a divorce decree and was to take ownership starting XX/XX/XXXX after rental tenants have moved, Upon moving in i reached out to Midland mortgage to get the necessary items and information needed to make this court ordered transaction smooth. They continuedly changed the terms of what i needed verbally only ( nothing in writing ) on what is needed. they have changed the information needed and even changed the mortgage amount from XXXX XXXX without any letter to me explaining the change amount. which is illegal, It has been over 1 year now since these things started and all the correspondence from them I have sent in at least twice including the divorce decree and assumptions paperwork and all county transfers from XXXX XXXX which I am a employee. The tactics that Midland Mortgage have been using are a violation of ethics and a violation of my rights .Practices like that should not be happening in XXXX. I sent in six ( 6 ) payments from my bank account and now this is not enough. If you read the TWO ( 2 ) correspondence they all state just 6 payments from my checking account, That's what i was given and that's what I followed, now I'm tired and my family continues to disrupted by these unethical practices. I challenge Midland Mortgage to show me any correspondence other than what i provided where i have not fulfilled their obligations. 

This has continued to disrupt my children and there well being with the tactics used by Midland Mortgage. This must stop now
Consumer complaint received 2021-09-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Dunlap Gardiner LLP (GA)

Association Fees : XXXX XX/XX/XXXX, I received and responded to the first Overdue Account letter. I sent two letters requesting documentation of the increase in Association fees and did not receive a response until XX/XX/XXXX, signed by XXXX XXXX, Board of Director. The document showed the increased assessment from {$150.00} to {$170.00} would take effect starting XX/XX/XXXX, and a monthly interest rate of 10 % on the balance and a late fee of {$25.00}. I do not recall a Homeowners meeting regarding the reasoning for this increase. I requested my account to be adjusted based on this document as I was already disputing the validity of the charges and received no assistance or response, and the fees continued accruing. Atop this, on XXXX XXXX, a lien was filed against my home, which I wasnt aware of until XX/XX/XXXX. 

Garage Door : XXXX XX/XX/XXXX, I received a letter requesting the dent in the garage door be repaired. If the violation/repair did not occur in 10 days from the letters date, XXXX XX/XX/XXXX, the Association has the right to enter my Lot to correct it, or to assess a weekly {$100.00} fine. It states each week a violation continues constitutes a separate violation for which the fine will be imposed. I immediately contacted the management disputing this alleged violation and was informed it was up to the board to provide an extension. An email was sent along with a letter informing the garage door would take 2-10 weeks to be repaired because it was being discontinued, according to the contractor with XXXX XXXX. 9 days from the date of the letter, according to the account records, I was fined. This continued well after replacement and after the board and management company were notified. 

After meeting requests went unanswered, I started receiving letters from Dunlap Gardiner, LLP. With each letter that I received, I responded with certified mail. This would prove to be of no help to my attempts to discuss and rectify this issue. 

In between these events, I received letters regarding my lawn right after days of rain, and my garbage receptacles being visible the day before scheduled trash pick-up, just to name a couple. I have requested information that wasnt received in the time allotted by state law. Ive reported an assistant-living business being operated in one of the homes and nothing has come of it. Is it acceptable to disregard the violations of one and continue to pursue another?
Consumer complaint received 2019-06-12
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: CORELOGIC INC (FL)

XXXX XXXX XXXX XXXX is reporting a mortgage in the amount of {$300000.00} in my credit reporting and my husband 's credit reporting. Supposely this mortgage was taken out on XX/XX/XXXX and it was closed and paid on XX/XX/XXXX. This mortgage never happened. XXXX XXXX XXXX XXXX can not find any documents signed or any records of the mortgage. I have been living in my house for 18 years since XXXX. Now I'm trying to refinance and this i affecting everything. We have never refinance the house and the only reason why we are refinancing now is because out sone is in the XXXX XXXX and we want to visit him. I have tried for the past month to take case of this situation. I have provided every document they have requested. Everytime I call I wait 30 to 40 min. My call gets passed to 2 and 3 reps and still I can not get an answer. I need this problem resolved ASAP. Because this is affecting our lives and XXXX XXXX XXXX XXXX simply does not care. They need to resolve this and take this off this mortgage for all the credit reporting companies.
Consumer complaint received 2021-09-22
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. (IA)

Hello my name is XXXX XXXX and I sent a dispute letter to Equifax on XX/XX/2021 pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law? No wonder President Biden wants to do away with the credit bureaus, they are useless.