davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (AZ)

I had previously filed a complaint regarding PennyMac Mortgage but would like to add retaliation to it now. My initial iterations are noted in my prior complaint. XXXX with the priority complaint team did quickly call and was highly apologetic, so I did hold off on further complaints ; but did continue to send additional documents to a manager who was reviewing my application. It was quick to determine that the initial agent did review much of my file and had double counted about half of my debts along with not addressing other items such as transfers between my accounts. My gut feeling and general instinct from here, being that I had to escalate my complaints with their negligence ( possibly gross negligence ) and poor service, was that they would need to find a way to cover for their errors and poor care, or to find a way to retaliate against my complaints. However still curious to see if they actually would or not.

As my time has been pressing and PennyMac had already wasted a lot of it, I sought other lenders who I was not a current customer of. There the customer service was considerably better. They did stop to ask the right questions when needed and in only a few days they were able to get pre-approvals out and I have been able to move forward on my transaction. Additionally they stated to me that they could approve me for a considerable amount more than I was asking for. Their rate is the same that I was quoted from PennyMac but unfortunately I have more in fees as I'm not an existing customer. But unbelievable how much better and responsive the service has been. 
Still waiting on PennyMac, though I am approx 2 weeks in with the other lender, but only really due to curiosity at this point ; to see if they will continue with the retaliation I had suspected. Again to try and cover for their initial errors and poor care and service or as retaliation for my complaints and sure enough, the mgr or whatever his position continued to play with why they had to double count items and rearrange other income of mine to note come up with the right amounts. All a conclusion I had expected several weeks prior and I was kind of grinning while listen to it actually play out. Just surprising that a company in such an important filed is allowed to operate with such little ethics or integrity.
Consumer complaint received 2021-06-01
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. (FL)

At present I am bothered! I have attempted to be patient however it is hard to be patient when you feel that you are continually being overlooked by somebody. I think you fail to remember that I am the purchaser concurring! " 15 U.S. Code 1681 - Congressional discoveries and mission statement ( a ) Accuracy and decency of credit announcing ( 1 ) The financial framework is reliant upon reasonable and precise credit revealing. Wrong credit reports straightforwardly weaken the proficiency of the financial framework, and outlandish credit announcing techniques subvert the public certainty which is crucial for the kept working of the banking system. ( 3 ) Consumer detailing offices have expected an imperative part in collecting and assessing shopper credit and other data on customers. The financial framework is subject to the reasonable and exactness detailing of purchaser offices. At the point when you neglect to take care of your work in addition to the fact that it hurts me it influences the financial framework. The financial framework brings in cash by loaning to shoppers like me. I have connected a few times grumbling about the wrong things on my customer report. Well I am complete the process of whining. I request you eliminate these incorrect things or I will look for prosecution for the entirety of the infringement and for the torment you all have caused me by destroying my standing by announcing mistaken things.
Consumer complaint received 2020-09-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On XX/XX/2020, Pandemic Assistance of the State of Nevada claims a lump sum payment in the amount of {$6700.00} was made to my checking account with Bank of America. This was done under their transaction # XXXX. Bank of America claims they never received and that I need to contact PUA in Nevada to trace these funds. PUA tells me these funds were transferred and that I need to have Bank of America trace these funds, cancel the transaction and return these funds for reissuance. have been trying to rectify this situation for several months now with either side willing to budge. Mean while my funds are lost in limbo with no one willing to even investigate. I'm a  XXXXyo vet with a XXXX and could really use some assistance ...
Consumer complaint received 2020-09-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/XXXX I received from Capital One Bank a letter stating that my credit line dropped from {$50000.00} to {$20000.00}. I checked my credit history with XXXX and everything looks very good, no frauds, no mistakes. I called the bank to ask what happened and they told me I didn't spent enough even I use my card almost everyday. I am worried that my credit score will drop drastically for something that I worked hard all my life to be in very good shape. I don't think is fair if you are paying your balances in time, you don't have any loans, any debts, to go through this. Is this real standard procedure? In more than 20 years i never experienced something like this. Can you help?
Consumer complaint received 2020-09-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I am a XXXX male and withing the last 6 months ( during the Pandemic ) Bank of America decided to close my 3 credit cards. They sent me a letter giving me generic reasons as to why my accounts were possibly closed. The last straw was the third one they closed. I called the bank and after getting transferred several times I ended up with a Supervisor who stated I was possibly a risk and the bank has every right to cancel my cards and there is nothing I can do about it. I need a credit card. I need financial support especially during these uncertain times however I cant seem to shake the feeling that because I am a minority with not much to offer they can just do to me whatever they want. I wonder to how many more minorities they've done this too. I am not happy with Bank of America 's practices, or how I was treated as a long term good standing customer.
Consumer complaint received 2020-09-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CA)

I originally sought my home loan from XXXX XXXX XXXX, eventually the billing was assign to Freedom Mortgage and have no problem, however a Total Fees & Charges appeared XX/XX/XXXX Mortgage Statement. When I called via cellphone my explanation was pass from one customer service to another. I wrote a letter XX/XX/XXXX asking explanation why I was being charge for {$30.00} Fees. Instead I received a photo copy of Transmittal Sheet of Payoff Request and Borrower ' Certification & Authorization which has nothing to to do with my complaint. Again on XX/XX/XXXX I wrote a letter and including " A. Settlement Statement ( HUD-1 ) " Im obligated to pay only what is stated on this loan and not receive any response at this point of time.
Consumer complaint received 2020-09-16
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: Experian Information Solutions Inc. (NJ)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-08-28
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. (FL)

My natural inalienable XXXX given rights are being violated pursuant 15usc1681c-2 by all three credit reporting agencies. ( XXXX, XXXX, and Transunion ) Each agency which has no authority granted by Congress to report any of my information being a private Man, further more without my express written consent. 

But on the XXXX day of XXXX in the year XXXX  all agencies received by certified USPS an FTC identity theft report along with a written order to block and remove those accounts and information in accordance with FEDERAL LAW pursuant 15usc1681c-2. ( Please see attachments ) ( My request did not meet the criteria to decline or rescind, according to 1681c-2. ) It has now been 6 days from the date of each agency signing for my order, and I am with the understanding after 4 days of receipt without verification of mentioned accounts they are to be removed. After several conversations with each agency, I was informed by them all that they have started an investigation and dispute process according to their " Agencies Regulations. '' The deceitful language being used implies that their inhouse corporate regulations supersede and outweigh the ruling authority of the FCRA. 

1. I did not give express written consent to start a dispute. They did not receive dispute letters. 

2. Never gave express written consent for the initial reporting of anything being reported, factual or not! 

2. If it is my responsibility and no one else to protect my faculties, that including fair credit reporting, makes it is also my duty to expose those who take an unfair advantage of my rights as Man. 

Although Exhibit B is titled Transunion be not mislead, each individual agency received their own personalized FTC Report and Cover letter.
Consumer complaint received 2021-07-02
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. (CA)

I am in disagreement with the items listed below which still appear on my credit report, even after Credit Bureau Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
1. The wrong amount is being reported XXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

2. Mistaken Identity XXXX XXXX XXXX  XXXX Account Number : XXXX Please remove this account from my credit report immediately!
Consumer complaint received 2020-09-03
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Collections ( Portfolio Recovery ) reporting incorrect DOFD to keep on credit report, over 8 years old and have not made a payment within 8 years. I have asked for proof of original opening date and date of last payment ( they will not provide ). My attempts to dispute through credit bureau and collections are futile. This debt is so old, greater than 7.5 years. I would greatly appreciate any help in removing this old debt from my current reports.
Consumer complaint received 2021-10-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: AUTOMOTIVE CREDIT CORPORATION (FL)

On XX/XX/ I entered into a consumer credit transaction with ACC. ACC produced an illegitimate contract as they have violated the TILA. As defined under the TILA 15 USC 1605 ( a ), the finance charge is determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended and does not include charges of a type payable in a cash transaction. ACC states on its contract that the finance charge is The dollar amount the credit will cost you, which is false, misleading, and a violation to my consumer rights. ACC included a down payment of {$5000.00} which is also a violation. As stated under the TILA, Charges which are included in the finance charge, but were not, are as follows : ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges. ACC did not include the interest in the finance charge which is a violation. Section ( c ) also states charges or premiums for insurance shall be included in the finance charge unless a clear and specific statement in writing is furnished by the creditor to the person to whom the credit is extended, setting forth the cost of the insurance if obtained from or through the creditor, and stating that the person to whom the credit is extended may choose the person through which the insurance is to be obtained. ACC did not include my insurance in the finance charge and did not disclose the option to obtain the insurance of my choice through them which is a violation. Per 15 USC 1631 ( a ) a creditor or lessor shall disclose to the person who is obligated on a consumer lease or a consumer credit transaction the information required under this subchapter. Per 15 USC 1635 ( a ) In the case of any consumer credit transaction the obligor has the right to rescind the transaction until midnight of the third business day following the consummation of the transaction. XXXX stated there is no Cool Off Period and I can not cancel this consumer credit transaction. ACC did not disclose my right of rescission which is a violation. These are just a few violations under the TILA backed up with evidence that was provided to ACC. Per 15 USC 1611, Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or ( 3 ) fails to comply with any requirement imposed under this subchapter, shall be fined or imprisoned, or both. I have tried to settle with ACC, sending them an Affidavit of Truth stating a few of the violations under the TILA and an invoice for violations. They disregarded my request and stated they did not breach their contract. Due to violations ACCs contract is null and void and they have been collecting on this alleged debt after receiving a request for validation. On XX/XX/ ACC received my second attempt to settle before taking legal action.
Consumer complaint received 2021-10-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (NY)

This account has been sold to a third party collector : THE BUREAUS ( Original Creditor : 01 COMENITY CAPITAL BANK ) You are in violation of the FDCPA. This account is being disputed. It shows marked as 'consumer disputes ', yet you still report it to my credit report. 

Collection efforts by your company should cease including reporting this account to my credit report. I will now work with The Bureaus.
Consumer complaint received 2021-07-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am in disagreement with the items listed below which still appear on my credit report, even after Credit Bureau Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
1. The wrong amount is being reported XXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

2. Mistaken Identity XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately!
Consumer complaint received 2019-03-30
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Dating back in XXXX I decided to due an Kohls credit card in which I was approved for {$300.00} dollars in credit.before XXXX I had paid off the credit card in was in good standards so I was thinking I would automatically get an increase after going into my Kohls account I notice the credit was still {$300.00} so I called Kohls and asked for an increase in which they went into my credit score and knowing I didn't owe them nothing I was denied an increase.so again I said let me go ahead and used the second {$300.00} Kohls credit in XXXX in which I paid it off a second time.so know I was thinking I should be giving an increase by now.so now it's XXXX I go to asked for a 3rd increase after trying to purchase some items on Kohls .com when I check my Kohls charge it was only {$300.00} in credit again for the 3rd time.but every body else I knew kelp telling me that there Kohls charge had received an increase over 3 times.so I called Kohls an again I was denied an increase its now XXXX and I'm all most finish paying my Kohls charge card off for the 3rd time and through out all 3 times I was denied an increase when I warned Kohls that I was going to get an complaint against me they said nothing but I'm sorry and good luck..I never felt so discriminated against.when it comes done to these credit cards thinking they can get away with charging me late fees interest rate fees every month but as long as I pay my Kohls charge card I'm not good enough for an increase.but I'm told good luck on putting in my complaint..its XXXX I've still feel I'm owed for the 3 credit card increase because I did keep my promise to pay Kohls back all 3 times but Kohls didn't keep there standards in policy in place when it came to me.
Consumer complaint received 2020-09-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (TX)

rushmore loan management services extended to me a 3 month furlough due to covid 19. 
i started paying the loan last month and they refused my payment saying i was late and the payment wasnt sufficient. 
i called the company and they stated they never gave me a covid furlough. 
i have all the paperwork at home regarding the payment relief they issued to me. 
they also file a missed payment with the credit reporting agency. 
which is false. 
they returned the check to me. so the payment was made they just refused the payment.
Consumer complaint received 2021-11-29
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)

I am not an attorney or a third party. I am filing a complaint on my own behalf because it is my legal RIGHT to do so. I recently found a company that I do not recognize on my credit file from XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX # XXXX. I am requesting that this account be deleted for the failure of proper notification. I can not find any legal document that states XXXX XXXX XXXX XXXX is an entity that can legally enforce a claim upon my person. I believe this to be an error as well as a HIPPA Act violation too!
Consumer complaint received 2021-03-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (VA)

In 2017, I realized I was in the wrong repayment plan, I had spoke with Fed loan to get on the right repayment plan and they told me I needed to consolidate my loans in order to get in the program. I just found out that my prior eligible employment won't count because this was prior to consolidation. All of my loans were direct subsidized and unsubsidized and did not need to be consolidated. I lost six years of eligible work and payments.
Consumer complaint received 2020-09-21
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. (NV)

I was aware of this fraud account on my credit XX/XX/2018 for XXXX  XXXX XXXX. I am not aware of where it came from or who used my information. Since XX/XX/2018, I have been trying to get this account removed off of my credit.
Consumer complaint received 2021-03-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Mar Joe Enterprises (TN)

CBC said I admitted that I owed t ty he amount that they had said on no phone. I agreed I was at hospital never saw a bill. They have things in reports that was in bankruptcy and been deleted but they keep putting it back on. When I didnt agree to what they would settle for the lady said well its going to be a much higher price then I took that as a threat. Im tired of dealing with them. Im a XXXX XXXX recipient and they are putting unnecessary stress on me because of there actions.the photos I sent. Have different dates on them. The one that was removed is still on there as if XXXX XX/XX/2021. It was in bankruptcy and they want me to pay the bill
Consumer complaint received 2021-03-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (WI)

They a In XXXX this year I received notice from XXXX  that a claim had been put against my credit. And a message stating they had blocked an attempt to access my account. Some time later I disputed the claim made by Midland Credit Management. They then sent me a form to fill out about disputing the claim & a phone number XXXX, to call with any questions. 
When I called the person that answered ( XXXX ) could not speak English well enough for me to understand. At that time I asked to speak to someone that could speak better English, and was told he was in XXXX and I would have to call the United States. He then gave me what was supposedly the U.S. office phone number XXXX. When I dialed it, I was told it was an unassigned phone number! ttached the supposed bill
Consumer complaint received 2020-09-21
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. (NV)

I was aware of this fraud account on my credit XX/XX/2018 for XXXX  XXXX XXXX. I am not aware of where it came from or who used my information. Since XX/XX/2018, I have been trying to get this account removed off of my credit.