davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery Associates, LLC claims I owe a debt totaling {$4000.00}, which was purchased from XXXX XXXX. I have requested, via three recently recorded phone calls, that PRA, LLC furnish financial statements/documents related to this  account. PRA, LLC has refused to do so, denying me the opportunity to examine the specific charges on this account to assess and determine their accuracy. 

Instead, PRA, LLC has sent a generic letter validating the debt and denying any inaccuracies related to their reporting of this debt, which is listed as a collection on my credit reports. 

I recognized that there were numerous charges made to this account in XXXX/XX/XX/2015 in XXXX, TX that I DID NOT MAKE, after speaking with a PRA, LLC call center representative last week. 

PRA, LLC is in non-compliance if the FCRA. If I need to hire an attorney, I will.
Consumer complaint received 2020-04-03
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

On XXXX XXXX, I entered into a closed end mortgage with XXXX XXXX  as the lender for a sum total of {$50000.00}. The contract provided for monthly payments beginning on XX/XX/XXXX and ending on XX/XX/XXXX total amount paid in full. 

A full payment was made XX/XX/XXXX which should have been the final payment. On XX/XX/XXXX I received a payment notice to make a full payment of {$430.00}, on XX/XX/XXXX I called Santander Bank NA who had taken over the bank and the mortgage from XXXX XXXX in XXXX. On XX/XX/XXXX I received an invoice stating that a balance of {$5500.00} .plus cancelation fees for a total payoff of {$5500.00} would be needed to pay off this mortgage in full. On XXXX XXXX I sent Santander Bank a check for {$5500.00} ( the amount of payoff ) On XX/XX/XXXX I received cancelation documentation that was dated XXXX XXXX the documentation included the original mortgage contract the was canceled and recorded by the XXXX County Clerk XXXX XXXX XXXX. Which stated the a for mentioned provisions of the contract. 

On XX/XX/XXXX I contacted Santander Bank and informed them what I had observed in the canceled contract the I received. They told me this needed to be escalated to there back office and that I could call then back on XX/XX/XXXX and they would have an answer for me. On XXXX XXXX I called back and I was informed that sometime during the life of the mortgage that 7 extensions were made to the mortgage they could not tell me how, when or why.. The canceled mortgage I received was the original document and contained no modifications or addendums. I asked to have a copy for there findings sent to me in writing, they told me that the normally do not do that but since I asked they would send me a copy of what they read to me over the phone but it would take 5 to 10 working days. That time period has passed and I do not find it productive to contact them again. At this writing I believe that the documentations that will be attached to this complain justify a return of {$5500.00} that I should have not paid.
Consumer complaint received 2020-04-02
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: Experian Information Solutions Inc. (NY)

I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.
Consumer complaint received 2020-04-03
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)

I wanted to buy my XXXX-year old son a new car for his birthday. I got my credit pulled at the dealership. There was stuff on my credit that I have never seen before. Please remove these things from my credit.
Consumer complaint received 2020-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: STERLING JEWELERS, INC. (IL)

On XXXX 2015 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Consumer complaint received 2020-11-19
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: AMERICAN EXPRESS COMPANY (IL)

On XX/XX/2019, AMEX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX.
Consumer complaint received 2020-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I have a XXXX XXXX Bank credit card that I paid-off in two payments, one for {$300.00} on XXXX 2020 and for {$21.00} on XXXX. For some reason, the bank had a billing issue and XXXX XXXX Bank can not verify the {$300.00} dollar payment. For that the bank decided to label my account as delinquency due to no payment received and later as charge off. 
First, they never send me a letter or notice to clarify the billing problem even when I paid off, I already probe it, they had the obligation to contact me to resolve this matter. Second, they should not just label and report to the credit bureaus my account as charge-off, that hits my credit score and credit liability ; this can not be a change off because, if the {$300.00} payment was returned -not the case- I made a second payment for {$21.00} dollars leaving the account in good standing. 
This is not confusing, the account received both payments on time and is zero balance, can not be a charge-off because it doesnt fit on the criteria to label an account as collection/charge off, such as delinquency and period of time without payments. 
I tired to resolve this issue with XXXX XXXX Bank several times but every time that I try the representatives get confuse and do not provide a real solution. I requested an investigation, in one call they told me a investigation was opened and in a different call they told me they can not open a investigation if I dont send bank statements to confirm the {$300.00} payment was made, in a different call they said they already made an investigation but not providing any results. I am tired of this and the worst is that the charge-off is hurting my credit score ; I am about to close escrow to purchase a home, this can prevent me to close it and losing thousands of dollars in home deposit.
Consumer complaint received 2024-12-05
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: NPG Associates, Inc. (TX)

In XX/XX/year> I sent a Debt Validation letter via certified mail to the address given to me by phone, XXXX XXXX XXXX, XXXX, CA XXXX. The letter was never picked up or accepted by XXXX. The company continued to send emails and call. In XX/XX/year> I sent another Debt Validation letter via regular mail to that address and it was returned to me today as 'Return to Sender Attempted Not Known Unable to Forward. ' I called XXXX to ask for a mailing address. The first call I was transferred to a Manger and she gave me the same address I already have and when I pointed that out to her, she hung up on me. I called again and was transferred to a man that began yelling at me that I need to get a lawyer, I'm too stupid to know how it works, and after I refused to give him my name, he hung up on me after refusing to give me the mailing address and said my lawyer should call him.
Consumer complaint received 2020-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have a XXXX XXXX XXXX  credit card that I paid-off in two payments, one for {$300.00} on XX/XX/2020 and for {$21.00} on XXXX. For some reason, the bank had a billing issue and XXXX XXXXXXXX XXXX can not verify the {$300.00} dollar payment. For that the bank decided to label my account as delinquency due to no payment received and later as charge off. 
First, they never send me a letter or notice to clarify the billing problem even when I paid off, I already probe it, they had the obligation to contact me to resolve this matter. Second, they should not just label and report to the credit bureaus my account as charge-off, that hits my credit score and credit liability ; this can not be a change off because, if the {$300.00} payment was returned -not the case- I made a second payment for {$21.00} dollars leaving the account in good standing. 
This is not confusing, the account received both payments on time and is XXXX balance, can not be a charge-off because it doesnt fit on the criteria to label an account as collection/charge off, such as delinquency and period of time without payments. 
I tired to resolve this issue with XXXX XXXXXXXX XXXX  several times but every time that I try the representatives get confuse and do not provide a real solution. I requested an investigation, in one call they told me a investigation was opened and in a different call they told me they can not open a investigation if I dont send bank statements to confirm the {$300.00} payment was made, in a different call they said they already made an investigation but not providing any results. I am tired of this and the worst is that the charge-off is hurting my credit score ; I am about to close escrow to purchase a home, this can prevent me to close it and losing thousands of dollars in home deposit.
Consumer complaint received 2020-04-03
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 get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX/XXXX XXXX {$840.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$570.00} XXXX XXXX   XXXX {$130.00} XXXX XXXX XXXX {$100.00} XXXX XXXX {$500.00} XXXX   XXXX  XXXX {$1000.00} XXXX XXXX XXXX  XXXX {$190.00} XXXX XXXX   XXXX {$110.00} XXXX  XXXX XXXX  XXXX {$5900.00} XXXX  XXXX {$570.00} XXXX   XXXX  XXXX {$2600.00} XXXX XXXX {$410.00} XXXX XXXX {$5500.00}
Consumer complaint received 2020-04-02
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: Experian Information Solutions Inc. (MS)

One of my creditors, XXXX XXXX & XXXX Account XXXX, continues to report me to Experian as " delinquent '' after I settled this account at least a year ago. In fact, it says on my report that this account was settled ( Paid in settlement. {$500.00} written off ). And yet the company is still reporting to Experian each month that I am delinquent, when I already settled this account. I have disputed this account twice with Experian, and Experian has refused to remove the derogatory remarks that continue to be added to my report each month, even though this account was settled at least a year ago.
Consumer complaint received 2020-11-19
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Best Capital Funding (CA)

Were to start ... well I have already file a complaint because Best Capital Funding did not cancel the purchase of a property on time it took them 4 months to cancel this. Even though XXXX had promised me that he was going to work with me to unwind the purchase and do it right he never did. Her never follow up to let me know how things were going. When I realize they were not trying to do anything I contacted XXXX XXXX the XXXX of the company. He was very rude and told me that he didnt care what XXXX and XXXX XXXX his agent had promise me that the only thing he could do at the moment was to payoff of the loan. Which was done after all the pressure I put and after receiving the complaint from the credit bureau. I took the Settlement that they offer, but first they were requesting for me to remove the complaint that I had file and to sign a Release of Claims document. XXXX XXXX another agent of Best Capital funding had email me with that request and had mention that I would receive the copy of the reconveyance from XXXX which might take 21 days but he was trying to rush it and I have not receive anything until this day. That email he sent me with that information was on XX/XX/2020. I thought that everything was fix, but according to the county of XXXX my name is still not removed from them properly since they have not file this document and the title company has not received it. I been emailing and calling Best Capital Funding since XX/XX/2020so that they can provide me with the full reconveyance and the prof of the how they paid of the loan I have not heard back from them. Today XX/XX/2020 I call the XXXX XXXX XXXX and he said that he was going to email XXXX that he couldnt provide me with the prof of the payoff and he hung up the phone. He was very rude. This situation is unethical, stressful and draining. I dont understand why they make it so hard.
Consumer complaint received 2020-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.
Consumer complaint received 2020-09-11
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. (NC)

On XX/XX/2020 I disputed 4 inquiries on my credit file with Equifax that seems to be fraud and I never received an update or any status on this dispute.
Consumer complaint received 2020-11-19
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: AMERICAN HONDA FINANCE CORP (CA)

We are in a pandemic. My wife lost her job during the pandemic. We fell behind on out payments due to her loss of income. I tried working directly with Honda to fix this, they were supposed to help us and not have these lates hit my credit report and they are. 
Dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX should have all been part of this. I am a XXXX XXXX XXXXXXXX vet and we have been doing everything we can to make this work. At this time, all payments have been caught up. I am requesting to remove these lates from my credit report.
Consumer complaint received 2020-10-20
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. (AZ)

Hi, I informed XXXX, Transunion and XXXX  that the ( XXXX XXXX XXXX ) XXXX was reporting different across all three credit bureaus. 

XXXX and XXXX  said they verified this information as correct. 
Transunion never responded to my letter I sent. 

I want to remind you its the Credit bureaus responsibility to report 100 percent accurate on the consumer report, Please see the  variables below Date Opened : Transunion : XX/XX/XXXX XXXX   XX/XX/XXXX XXXX  ; XX/XX/XXXX XXXX XXXX : Transunion : {$500.00} XXXX  {$0.00} XXXX  ; {$300.00} Last Reported : Transunion : XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  ; XX/XX/XXXX Comments Transunion : Charged off as bad debt Purchased by another lender XXXX  Purchased by a another lender. 
Unpaid balance reported as a loss by credit grantor. 
Sold to : XXXX XXXX XXXX XXXX XXXX  ; Account transferred or sold Charged off account Date Last Active : Transunion : XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  ; XX/XX/XXXX Date of Last Payment Transunion : XX/XX/XXXX XXXX  XX/XX/XXXX XXXX   ; XX/XX/XXXX
Consumer complaint received 2020-10-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CALCON MUTUAL MORTGAGE LLC DBA ONETRUST HOME LOANS (PA)

OneTrust Home Loans has dragged out the loan approval process for months now, with no end in sight. I have applied for a {$260000.00} construction loan, which, after months of delay on the bank 's part, gained initial approval. They then proceeded to get phone numbers wrong, get emails wrong ( once sending my personal financial information to an unknown email address, which hopefully was not used in any bad ways ), continuously asking for items that they had never asked for before, repeatedly making mistakes on Disclosure Forms, repeatedly asking for information that they already received, changing the terms ( interest rate ) of my loan without explanation, ignoring my emails, and not accepting responsibility for any of it. I have taken quite a few mortgages in my time and this has been the worst process I have ever encountered. OneTrust seems to be completely lacking in systems and controls, unable to manage their work flow, unable to fit together all the pieces of a loan application, unwilling to pay attention to the details, and completely out of their league with respect to handling anything other than a straight w-2 single-family conventional mortgage. It is clear why the mortgage  business caused such disruption and turmoil in XX/XX/XXXX/XX/XX/XXXXif  everyone 's system is still as broken as that at OneTrust.
Consumer complaint received 2020-11-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (SC)

I paid the loan in full on XX/XX/XXXX. An escrow balance of over {$2000.00} was due to me within 30 days, based on the Real Estate Settlement Procedures Act. 

In late XXXX XXXX XX/XX/XXXX XXXX, I had still not received a check for that amount. I called and they said they sent it ( yeah right ) but would cancel it and send me a new one within 10 business days. 

Its XX/XX/XXXX and I still have not received a check. 

The fact that this company can operate is a wonder. This is one of many issues Ive had with this company. They mismanage money and are fraudulent.
Consumer complaint received 2020-10-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION (CA)

I tried to open an account at your bank. I was told I couldnt open it because I was not in one of the states where your bank is located. I was told the account would be closed. {$300.00} was taken out of my account to fund the accounts. I want my money back.
Consumer complaint received 2020-11-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (NJ)

Hi, I initiated a transaction to send money ( {$50000.00} ) to my account back home in XXXX using Western Union online services ( XXXX : XXXX ). I have been following up with the representatives since then and have provided all the required information from my end. Now, after 15 days they have cancelled the transaction with out proving any reason for it. I have been on call with their representative for more than 15 hours in total during this time. 

Today I requested them to redo my transactions on the same rate as in XX/XX/2020, bu they said it can not be done and I will have to start a new transaction. Doing so with current exchange rate I will be losing more than XXXX XXXX 

This transaction has been no less than a metal harassment. 

I would like to raise a complain to ensure that no one else has to go thorough the same thing in future. 

Thanking you in advance! 


Regards, XXXX
Consumer complaint received 2020-10-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NY)

PHH Mortgage acquired a mortgage on a second home from GMAC many years ago. The payments for the mortgage have been made on autopay for many years ( unfortunately, the autopay system I used was discontinued and the switch to a new system caused one payment in XXXX to be about 20 days late, but that's not directly relevant to this complaint ). My condo association has historically been very slow on sending PHH proof of flood insurance and that delay caused them to place a flood insurance policy. That caused them to create an escrow account for that amount, which, in turn, caused them to consider my payments too low, so the payments weren't credited to my account when received. This caused them to consider my payments late and much a report of that to the credit reporting agencies.

It took a long time ( slowed down by COVID-19 issues ) to obtain the flood insurance info from the condo association, but this was  fixed around XX/XX/2020 by their insurance department. They said it would take about 10 days to remove the charges for the placed insurance and eliminate the escrow and then Customer Service would properly apply the payments that were made and notify the credit agencies that this was done.

However, despite exchanging numerous emails, none of the above has been done and as recently as today they claim that I  owe several XXXX dollars in payments. However, those payments were received and in their " suspense '' accounts. 

Unfortunately, COVID-19 is making this situation harder since I'm not at my residence and only receive mail sent there with delays of a couple of months.