davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc (TX)

On XX/XX/XXXX we received a threatening message from our former landlord XXXX XXXX XXXX XXXX XXXX saying they were going to sue us for debt that we had no clue of or were liable for. They threatened that we should settle with the owner or they were going to the legal action and ruin our credit and we would have to pay thousands to repair. 
They then sent out a repair bill totaling up to over XXXX $ in XX/XX/XXXX. 
We moved out from our rental of XXXX XXXX XXXX XXXX Texas. on XX/XX/XXXX. We were month to month after our initial lease was up in XX/XX/XXXX. We gave XXXX XXXX our 30 days notice. And they never returned our deposit or did a final walkthrough. We had to leave the keys at the house inside as they wouldn't even meet with us to turn over the keys and garage remotes. 
We haven't heard a word from them as they did have our forwarding address.6 months later ( past the 30 days they have ) they reported to credit agencies of a debt for XXXX $ that is not ours or are we responsible for. They will not answer any questions they just keep sending us bills and we didn't even live there. They are making false threats as XXXX XXXX rents several properties in our neighborhood and thinks people can be intimidated. We have disputed this with the collection agency. They hung up on me as you will hear in the recording I am attaching. As you can see we paid our rent up until XX/XX/XXXX which was our last payment. You will see from the lease extension that they provided It clearly states XX/XX/XXXX as termination of the lease.
Consumer complaint received 2019-03-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (PA)

Had a HELOC with National City, was bought out buy PNC BANK. The loan borrowing period ended XX/XX/XXXX and a balloon payment was due. My DTI was not good enough to refinance but I was offered a 5 year fixed rate lock XX/XX/XXXX which I accepted before the balloon date as instructed in the letter from PNC. I started making the payments in XX/XX/XXXX however I had not received any statements from XX/XX/XXXX thru XX/XX/XXXX. In XX/XX/XXXX I received a letter from PNC that they were enhancing their technology and would continue to receive statements, I didn't receive a statement until XX/XX/XXXX, I made numerous requests for my statements which I still have not received for this timeframe. it was at this time I found out they didn't have the paperwork for the repayment option I was offered ( it was faxed from a local PNC branch ) so after many excuses from many different PNC customer service reps I found out by a message left on my home phone answer machine that I was not goin to be offered this option. Jump to XX/XX/XXXX I secure money to pay off the loan, I made an electronic payment over the phone and a specific routing number and checking account was used. The next day, I get a text alert on my phone telling me that my checking account was overdrawn. I went to the local PNC Branch and explained what happened. I was instructed to go to the bank where the money was located and transfer the money from the account that was authorized for the payment into the account that they took it from, which I did. Everything appeared to be ok at that point. I thought the loan was paid. I received a letter from PNC Bank stating that the loan was paid in full. The next day, the money was back in my checking account so I called PNC Bank to find out what was going on. I explained what happened and was told that PNC Bank would NEVER do that. Jump to XX/XX/XXXX. I received a letter in the mail from PNC Bank stating that the checking account that I used did not have sufficient funds to cover the payment. Now they are threating foreclosure.
Consumer complaint received 2019-03-11
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

My name is still not correct! With all 3 credit bureaus! Yes Equifax and XXXX added my name in full but did not add XXXX As a suffix. My first name is XXXX Middle is XXXX Last or sir name is XXXX my suffix is XXXX or XXXX. Therefore my name should read. XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX. Also during this major identity theft. You blocked some information wrongly. XXXX XXXX line of credit is only showing up on XXXX XXXX not on Equifax or XXXX. XXXX store credit card is only showing up on XXXX. Not on Equifax or XXXX XXXX. Also your companies blocked my auto loan from XXXX XXXX XXXX. XXXX XXXX was reporting this but it went off during the identity theft investigation. This auto loan was not an issue this was correct. The credit card with the same company XXXX XXXX XXXX was. XXXX  take off XXXX XXXX inquiries for the last time still on here.
Consumer complaint received 2021-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Total Card, Inc. (VA)

I have late payments showing on my credit car account for XX/XX/2019, XX/XX/2019 and XX/XX/2019. The card is reporting on my credit report twice and the company will not fix the issue. The information on all of the bureaus are inconsistent with one another and also duplicated making it appear as if i have poor payment history with the company on two cards. I gave written the company and emailed and nothing has been resolved. The late payments are not correct, I want the company to remove the late payments and delete the duplicate account.
Consumer complaint received 2019-03-11
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is still not correct! With all 3 credit bureaus! Yes XXXX  and XXXX  added my name in full but did not add XXXX. As a suffix. My first name is XXXX XXXX is XXXX XXXX or sir name is XXXX my suffix is XXXX or XXXX. Therefore my name should read. XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX. Also during this major identity theft. You blocked some information wrongly. XXXX  bank line of credit is only showing up on trans union not on XXXX  or XXXX. XXXX XXXX credit card is only showing up on XXXX. Not on XXXX  or Trans Union. Also your companies blocked my auto loan from XXXX XXXX XXXX. Trans Union was reporting this but it went off during the identity theft investigation. This auto loan was not an issue this was correct. The credit card with the same company XXXX XXXX XXXX was. XXXX  take off XXXX  card inquiries for the last time still on here.
Consumer complaint received 2019-03-14
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. (MO)

I'm disputing the following accounts for the 3rd and final time. It is up to the credit reporting agencies to verify information inwhich they are reporting. Verifiable by physical and certified documentation. If my attempt shall fail this time by the credit agencies not accurately doing their job / due diligences then imma file a complaint with the FTC. I'm requesting that XXXX, Transunion and XXXX  to investigate this matter and to comply with providing me with all Method Of Verification that was done in this instant matter. I need to know whom spoke with whom, I need to know the date, time and method of communication used while investigating these accounts. What certified documentation did you see and whom all seen it. If I'm not priviledge to this information by request then by the laws written within the FCRA states that these accounts shall be removed/ blocked/ deleted immediately. 

Account # 1, XXXX XXXX XXXX XXXX Account # 2, XXXX XXXX Account # 3 XXXX XXXX XXXX XXXX   {$950.00} Account # 4 XXXX XXXX XXXX XXXX  Account # 5 OXXXX XXXX XXXX {$180.00}
Consumer complaint received 2019-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Loan orginated in XXXX. It was a heloc with {$65000.00} line of credit/balance. I was told when applying the loan matured in 10 years and if a balance, it automatically converted to a 10 year amortized note. I was notified by XXXX XXXX in XXXX of XXXX via letter from their Porta Rico Headquarters that the balance was due in full XXXX of XXXX and there was no conversion clause. I asked why I had not been notified and was told it was my responsibility to honor the terms of the note. I made payments through XXXX ( I have all cancelled checks ) and paid the balance in full the end of XX/XX/XXXX. They are reporting to the credit bureaus that Foreclosure was started. I live in Florida. It was a Mortgage Note. In order to start foreclosure a legal notice must be filed with the Clerk of the Court ( Lis Pendens ). I verified that no filing ever occurred. I filed a claim with Experian and the result was the Bank claimed it was accurate. I called the Bank and discussed this with them and requested any copies of any Foreclosure filings or documentation. They claimed the account was paid in full and closed and there was nothing that could be done. Spoke with Experian again and they said that as long as the Bank reports this they can not remove it. I have no problem with them reporting the payment history as past due because of the balloon payment. I should have read the complete note at closing. That was my error. The reporting of Foreclosure on the credit report is making it impossible to refinance my home to replace the {$60000.00} I took from my retirement to pay them as soon as I was aware of the problem. Issue is : fact - they Never Started Foreclosure and the reporting that they did is false.
Consumer complaint received 2021-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Neon Newco Corporation (MO)

Ok I've had a NetSpend card for awhile. When ever a charge I didn't authorize show up. It took weeks to months to get my money refunded to me, which brought on some battles. Happened again XXXX. We're arguing back and forth about getting my money back sooner on something that wasn't my doing. Talked to like 4 people before I got a little testy. I no sooner got one put back on my card. From XXXX, that night at almost midnight got hit again by a go fund me acct for XXXX. So I complained right the while I was still on the phone with NS. SHE WAS trying to get me to call back and dispute that one in a week. I said no it's pending, stop it now. Of course that couldn't be done. So had waited 20+ days and the fight was on again. So yesterday the XXXX, I was asleep it was before XXXX. And my phone starts dinging and going off. 6 yes 6 more charges were coming off my card still. Long story longer I then get a text they suspect fraud on my car and locked the acct and stopped my card. What little money I still had on my card for frozen too. So I'm broke can't get it off the card now. The person then informs me they mail me another card take 10 days, then we'll open me another acct after I get it. I said dude it was directly deposited to you guys and that acct. That you just froze and locked So where the XXXX is my money going to be deposited now. He tried saying to let them know when I get the check and they LL grab another card. I said really, how am I going to pay rent with no cars e and no clue where my money is going. So not having another account to put said money, I don't even know if there's enough time to get one open and try to figure out where it will be deposited, seeing how I have less than a week to do all of this hoping to catch idk who to catch my check in time. Or they can mail the check back and couple be lost for weeks. I didn't ask them to close that account without giving me time to get anything left off my card. I'm so done with them. I don't know what I should be doing they've got me, crying cuz I'm stuck don't know who to call nothing
Consumer complaint received 2019-03-13
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. (FL)

This account was paid in full and still it has not been updated to the credit bureaus it's showing that I ower {$890.00} and I don't owe anything on this account. Please update this account and remove any delinquent payment history associated with this account.
Consumer complaint received 2021-02-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC. (TX)

I cancelled the extended warranty onXX/XX/XXXX and was expecting to get a refund ofXX/XX/, this what XXXX said at the dealership. I called back a month later and she said that the check was sent to Ally. I called Ally and they said that they received the check on XXXX for the amount of XXXX i asked them for the monies and the lady said that we keep the check. So, I called back when I paid the loan off and a lady said, she wouldn't have to give me anything, I explained that this was illegal and she said make a your call to whom ever I needed to, but that the monies were applied to my account. When I asked her to show me where it applied to my account, because what I showed it was never applied to my account. This is when I contacted the CFPB.
Consumer complaint received 2019-03-13
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NC)

XXXX XXXX XXXX XXXX XXXX ( XXXX, NC ) use Navient to service private student loans. Navient provides misleading information concerning the loan that forces students to pay over 251 payments of {$300.00} a month for a $ XXXX loan. In return, the information is listed on the student 's credit file. The 251 payments for a XXXX  being listed on their credit reports make it difficult to obtain a mortgage, even if the student has a good payment history. It cost over {$75000.00} to pay back an initial {$25000.00} loan. Navient refuses to work with students and make it almost impossible to get out of the loan unless paying it off in full. However, still, the interest is charged daily, so the payoff amount increases substantially before they even apply the payoff check to the account. Next day payments do not even help. The payment amount changes daily. This is what is holding America back. 5 days ago they noted a different payoff of the original payoff which is {$22000.00} onXX/XX/XXXX. Today the new payoff amount is XXXX  and that is a rip off. When I initially called they gave me 10 day payoff amount of {$22000.00}. Today I spoke to XXXX XXXX  the supervisor and she stated that even though they have received it, it has not been processed yet and if it is not processed by the XXXX the payoff amount will increase.
Consumer complaint received 2021-02-03
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 — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (FL)

CITICARDS CBNA XXXX Date Opened XX/XX/16 Balance {$0.00} I'm just concerned about the validity and consistency within your present research and the delayed payments pertaining to this particular account and also how it is reporting on my credit report. About 45 days ago I asked for an evaluation due to the fact I noticed the item seriously isn't being documented recently. To my big surprise I received a document announcing that your investigation was accomplished and that the item had been " determined as exact. Placed under Section 1681 ( g ) take the time to render me with a summary of the method employed to prove the account is " accurate '' and supply me the name and addresses of persons phoned in every regulatings in the FCRA.
Consumer complaint received 2019-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I have a capital one 360 checking account with an attached line of credit for XXXX, so essentially the account functions like a credit card. 

The running ledger balance ( displayed by cap one ) shows a positive balance of XXXX yet it shows my available balance to be XXXX. I am pretty confident that the first balance is correct, yet when calling and chatting with Capital One they refuse to hear me on the balance and they keep stating that its an issue they are aware of, but then proclaim that my balance is indeed XXXX and basically brush me off. 

It boggles the mind that this day in age a financial institution of their size can not accurately keep track of balances. This balance discrepancy has shows for weeks now but I only had time to call them today. 

They are either unwilling or unable to give me my accurate balance. Why anyone let them buy XXXX XXXX  is beyond me. 

This company is openly stating that this is a problem with their system, yet in the same breath proclaim that the available balance is correct. They are a walking fraud! 

They are telling me now, that I have to wait 25 days for them to respond with my correct balance.
Consumer complaint received 2022-08-26
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. (GA)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XX/XX/2021
Consumer complaint received 2019-03-11
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: Resurgent Capital Services L.P. (NC)

I have 2 submitted disputes with this company. XX/XX/XXXX and XX/XX/XXXX. I have no knowledge of this account being opened. I have asked for supporting documentation and proof that I indeed opened the account but nothing has been provided to me. This is a fraudulent account.
Consumer complaint received 2019-03-11
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

TransUnion received my request through XXXX XXXX on XX/XX/XXXX andI was informed that TransUnion normally responds to dispute requests within 30 days, and often within 7-10 days. I was told that when the investigation is completed, they ( Transunion / XXXX XXXX ) will provide me with a response and/or a copy of my updated credit report to notify me of the results. 

File Number : XXXX. 
Dispute : XXXX XXXX XXXX - Reported on XX/XX/XXXX - {$9300.00} Dispute Reason : Accuracy : The contract related to this account has been cancelled. 

I have not recieved a response from Transunion. I filed a complaint with XXXX XXXX on XX/XX/XXXX via email. This dispute is nearing 1 year old.
Consumer complaint received 2019-03-01
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. (TX)

I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2021-10-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MD)

In response to LOANCARE, LLCs correspondence dated XX/XX/2021 ( see attached ), the information they provided is still incorrect. Loancare does not keep accurate book keeping or accounting. My issue has still not been resolved. Loancare stated that my escrow account is short by {$1500.00}. 

On XX/XX/2021, I made a payment of {$2800.00} ( see attachment ), which LOANCARE did not apply to my account. The payment is sitting there because their system was not properly updated with my correct mortgage amount due monthly. Because of their slothfulness in updating their systems, it has caused the payment to not apply. Again, on XX/XX/2021, I made a payment of {$2800.00}, which LOANCARE has not applied to my account. The funds were deducted from my XXXX bank  account on XX/XX/2021 ( see attachment ). Also, on XX/XX/2021, LOANCARE sent me an Escrow CHECK for {$5800.00} ( see attachments ). In the correspondence dated XX/XX/2021, they stated that I am short in escrow by {$1500.00}. LOANCARE shouldve never sent me a check for {$5800.00} if I would be short in my escrow. My payment should be {$2800.00}. It should not be {$2.00}, XXXX. Again, LOANCARE should be shut down for the mishandling of several hardworking Americans mortgage accounts.
Consumer complaint received 2019-02-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc (FL)

Tuesday, XX/XX/2019 I received a call from a gentleman name XXXX from Hunter Warfield, he stated he was a debt collector and that I owed money from an apartment rental. I explained to him that this information is fraudulent and I have no knowledge of any such rental. He stated he was sending me an identity theft affidavit to have it notarized and returned. However, he never supplied me with this information. I would not like this fraudulent information reported on my credit report.