davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-11
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (VA)

I opened a Savings account with PNC BANK. To start, they had a {$100.00} monetary gift I was not aware of. This was oppenned in XX/XX/XXXX. Then in XXXX XXXXI spoke with XXXX XXXX about their brokerage account and had $ XXXXXXXXwired to the from XXXX . I Opened an account to have a debit card I can use. AfterFUNDS were wired by XXXX, he asked some me to open a checking account with them. 
I told him I do n't need to because I have XXXX checking accounts with my other XXXX. Then I told him that they never gave me {$100.00} for opening a savings account with XXXX back in XXXX. I asked XXXX XXXX about their new promo of {$200.00} to opena checking account and he said I 'm not eligible for it. I declined to receive a checkingaccount. He forced me to open XXXX because it 's no harm to get XXXX. I okay to get theChecking account but did not give me promo offer. XXXX month later, I was transferring fundsfrom XXXX and PNC BANK, my account got over drawn by XXXX. Nobody at the bankInformed me about It even though mostly everyone there knows me. Then a collection letterWas received for {$500.00} and some change. I went to PNC BANK to speak to XXXX, branch manager of XXXX XXXX XXXX and told me that XXXX was moved to a different branch. I asked her about the delinquency and how {$30.00} became {$500.00}, andshe gave me a customer service line that is a robot call and I get disconnected everytimeI call the number. And why was I not offered over draft protection for the Checking accountthey insist I have, she told me she would look in to it And never heard from her again even after leaving numerous messages for her. I called main phone number for PNC BANK andI was transferred to the escalation department, and I found out that I have XXXX checking accounts but no protection from over drafts. I bank with XXXX and XXXX so I never had this problem before. She handled FTC CASES, and did n't help me out. She dunned me for the entire balance. Now my credit is jeopardized due to neglect and poor quality of service. 
I want them to fix this problem and I hope you can help me. 
Thank you, XXXX XXXX XXXX
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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 alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

Please assist me in regards to some negative items that are showing on my report, i already provided the 3 documents the last time you asked me to provide together with the dispute letters and the specific accounts that I wanted to be removed from my report.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NJ)

This is the several times I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX Balanced {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (RI)

Recently I locked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit it is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate. 

XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MO)

Inaccurate Credit Reporting ( 15 USC 168152 ) To whom it may concern, 1 I am writing this to inform you that i have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information. following account ( XXXXXXXX XXXX XXXX XXXX ) is reporting a balance of ( {$490.00} ) when it is my understanding an reason to believe that because this debt was charged off by you that is was memorialized with a form 1099C as proof or evidence thereat. And that because of my fact, this debt is cancelled and at least should not reflect the balance that is currently shown of ( {$490.00} ) on my consumer file. This is canceled debt, the company has filed it on their taxes but they also are reporting it on my credit report as debt, doesnt make sense at all. A charge off is considered ordinary income so how could it be furnishing on my credit report as debt. The IRS states that this company was supposed to send me a 1099c form so I can file the ordinary income. They havent sent me none of that so now they are in violation of USC 1681EB, it speaks on maximum accuracy of the consumer report. So this item has to be deleted from my credit report.
Consumer complaint received 2015-11-24
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Advanced Call Center Technologies, LLC (NY)

WHEN INITIALLY I DISPUTED DEBT I WAS CREDITED FOR THAT AMOUNT..AND ALL PENALTIES REMOVED .SUBSEQUENTALLY I WAS RECHARGED FOR DOUBLE THAT AMOUNT ... IHAVE CONSTANTLY ASKED FOR PROOF TO NO AVAIL ... NOW I AM BEING BADGERED BY A " XXXX ... FOR THE sum of {$2400.00} ... .re. " XXXX account ... .. ( XXXX XXXX XXXX ) ... ... .dealing with there reps. is like dealing with XXXX ... ... no one seem to be able to prove my alleged debt ... I am XXXX years old ... and can afford to pay ...., but I refuse to be bullied and badgered
Consumer complaint received 2015-06-12
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: FORD MOTOR CREDIT CO. (CA)

After turning in my car, I received a bill that I did not recognize. I called FORD MOTOR company and they said it was for mileage. I offered to pay it on my XXXX credit card, and they said that they do not take XXXX. 

I made other arrangements to pay. They have been paid in FULL a few years ago and they are still reporting a collection on my credit report with this account being closed in 2009. I also made all the lease payments on time for 36 months due.
Consumer complaint received 2015-06-12
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Collection Information Bureau, Inc. (FL)

Doctors Business Bureau, the collection agency for XXXX XXXX XXXX XXXX refuses to remove a medical collection on my account despite numerous communication requesting same which included the attached verification of my identity theft. Detective XXXX with the XXXX Police Department was the XXXX that alerted me to the identity theft and a police report was filed by Detective XXXX and another police report was filed in XXXX XXXX as this is my county of residence. I have not used XXXX XXXX XXXX for a XXXX for myself nor for my minor son. This service involves someone else who may have used my identity. The collection agency will not remove the collection and continues to demand payment.
Consumer complaint received 2015-05-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

XXXX XXXX and XXXX XXXX XXXX XXXX XXXX wants to charge me administrative fees, interest, and penalties. 

I departed XXXX XXXX on terminal leave in XXXX, XX/XX/XXXX 

XXXX paid final separation payment in XXXX, XX/XX/XXXX 

In XXXX, XX/XX/XXXX XXXX alleges they overpaid the separation amount. 

XXXX, XXXX and XXXX XX/XX/XXXX XXXX sent notices of the alleged debt to XXXX XXXX, per XXXX by phone XXXX XXXX, XX/XX/XXXX, the base I separated from. None were sent to my home address. Meanwhile XXXX has been sending XXXX Account Statements to my home address in XXXX, XXXX XXXX 

In XXXX XX/XX/XXXX XXXX reported this alleged debt delinquent to the Transunion Credit Bureau in violation of the law. The change in my credit rating was the XXXX notice I received of the actions XXXX was taking. Upon becoming aware of the Transunion report I contacted XXXX, said contact is still being ignored by XXXX. I will be at their office in XXXX later this week to investigate. 

Are there other retired military members who have had their financial reputations harmed by the actions of XXXX? Is it time for a class action lawsuit?
Consumer complaint received 2015-06-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

I am writing this complaint against ASC/WFHM in response to the QWR violations coupled with the unfair, deceptive, and abusive acts and practices that I have experienced at the hands of the ASC/WFHM and their representatives. 

On XX/XX/XXXX, I submitted a qualified written request ( QWR ) asking for copies of my origination documentation to validate my debt as well as other documentation to include the transfer of my mortgage from one owner/servicer to another and ultimately, ASC/WFHM. I was shocked when I received a phone call from XXXX XXXX in the executive offices of WFHM on XX/XX/XXXX, refusing to comply with the QWR requirements set forth by RESPA ( see attached letter ). As if that was n't shocking enough that WFHM ( ASC ) refused to respond to my QWR, XXXX XXXX defended his decision by stating that WFHM ( ASC ) violated FDCPA laws by previously sending out a response to a similar inquiry back in XX/XX/XXXX containing approximately XXXX pages of confidential information to me - the XXXX pages included my name, address, social security number, loan application, mortgage deed and note, etc. - that was left out on my doorstep fro anyone to see and/or steal. I never received the alleged documentation from WFHM ( ASC ) and XXXX XXXX confirmed that it was sent to me without requiring signature and with confirmation from XXXX stating that it was left outside my home because no signature was required. I believe that I am now in jeopardy of someone stealing my identity due to the actions of WFHM ( ASC ) because they did not protect my confidential information and left it on my doorstep for anyone to steal. 

To add insult to injury, WFHM ( ASC ) slapped a sale date on my property while refusing to answer my QWR and then sent me the requested documentation finally XX/XX/XXXX, which I believe is a QWR violation of RESPA laws requiring QWRs to be confirmed in writing as received in XXXX days and answered in XXXX days. Why did WFHM ( ASC ) decide to send the QWR response now when they refused XX/XX/XXXX? Was it because I now have very little time to review XXXX pages of documentation before my scheduled sale date ... are they hiding something that they do not want me to find? 

I am in the process of submitting a RMA in an effort to retain my home and up against a sale date in just a couple weeks. Please hold WFHM ( ASC ) accountable for their actions and please allow me ample time to apply for mortgage assistance while I review the requested documentation to ensure that all federal laws were followed in the transfer of my mortgage loan on my primary residence and to address any predatory lending or toxic loan concerns. 

Thank you!
Consumer complaint received 2015-06-13
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (WA)

We got behind in our mortgage last year when I lost my job. I was told we did not qualify for a loan modification payment plan because our debt to income ratio did not qualify. We got back on our feet and paid the current payment but still had a past due balance. Again asked Wells Fargo if we would qualify for loan modification and was denied because we are no longer in hardship. But we had better debt to income ratio. We also have a VA loan and they did not tell us about any government programs that may have helped us. I was told because we have a VA loan it is a guaranteed loan and they can not work with us like they can with other loans. We are starting bankrupsy now to save our home. Our lawyer told us about a government program that may negotiate with Wells Fargo. No help from our bank.
Consumer complaint received 2015-06-13
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Penn Credit Corporation (PA)

We get a recurring robocall ( no human ) saying that we owe a debt of {$39.00}, demanding immediate payment or we will suffer " consequences ''. 

By answering XXXX of the calls, I found out that the perpetrator 's website is www.penncredit.com. 

When I talked with him, he told me the address of the debtor, which is miles from where I live. The debt is not ours. But the robocalls continue to come. 

Help!
Consumer complaint received 2015-06-13
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (NY)

I am writing because the servicer Ocwen continues to violate my rights. I previously filed a complaint with the Bureau of Consumer Financial Protection regarding this issue. 
Ocwen in response to my complaint adjourned the Auction sale date to XXXX XXXX, 2015 pending the out come of their decision on my modification package, only to later inform me that the investor does not allow modifications. 
I then was told to send in another package for a short sale only by XXXX XXXX, 2015, which I did. Once the package was received I was then told that it was to late. 
Moreover, I was informed that my mortgage was being transferred to XXXX loan servicing on XXXX XXXX, 2015. 
Moreover, Ocwen has refused to send me proof of debt or copies of original loan documents. I have been discussing the transaction with someone and I ca n't recall signing any loan docs prohibiting me from modifying my loan. 
I am challenging this debt because as a whole I believe this debt is a fraudulent loan.
Consumer complaint received 2015-05-08
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (TX)

I have been trying unsuccessfully to get my free credit report from Equifax and XXXX! They are breaking the law that protects U.S. consumers yet they do n't sinply care as we are not there customer. I called Equifax XXXX times and verified my identity successfully and yet no credit report. XXXX does the same thing, I verify my identity and still no credit report for the Equifax bureau. I would like to open a complaint against them because they are violating our rights.
Consumer complaint received 2015-08-03
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (CT)

CONVERGENT RESOURCES continues to call my home trying to collect on a debt that has long since been paid. Judging by the other reviews of this company I have found online, this is a common practice for them and is likely some sort of fraud.
Consumer complaint received 2015-03-31
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: HSBC NORTH AMERICA HOLDINGS INC. ()

I am from the XXXX, and had a savings account in the US with HSBC. I closed the account last XXXX, but only received the cheque for the balance in XXXX this year. It was impossible to contact the bank. It was impossible to get through their automated phone system, as I do not have the items of ID requested ( as I am not a US citizen ). I emailed them, wrote letters and phoned on numerous occasions before finally getting my money 7 months later. No apology, no explanation, and seemingly no reason for the ridiculously long wait for my money. It has been the most frustrating experience, and with no way of contacting anyone of import at the bank itself, I want the world to know how horrendous and incompetent they have been with sorting out this situation. If I could find the name of the chief exec of HSBC America, I would have just written to them, but this seems impossible too, so, I have resorted to this! I would not recommend using this bank to anyone! The levels of frustration - and indeed anger - is incredible, especially as it all seems avoidable. I would love to have an apology from the bank, if not some form or compensation - as I missed 7 months worth of interest on the money they still had ( over {$3000.00} ).
Consumer complaint received 2015-03-30
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

In XX/XX/XXXX I became XXXX payment delinquent on my auto loan with USAA. Upon returning to work in XXXX I called and made arrangements to pay XXXX payment and portion of the past due amount until I was current. In XX/XX/XXXX {$120.00} was applied to late charges despite my intent and misleading statement from the representative who assured me it was their process to apply payments in this manner anyway. When I realized what had happened I spoke with another representative on XX/XX/XXXX who told me this would be corrected my requesting a misapplied payment reversal. Once again the payment I made on XX/XX/XXXX a portion - {$26.00} was applied to a late charge and the reversal that was promised did not happen. After a conversation on XX/XX/XXXX in speaking with a very rude representative and her manager, they basically stated the policy is they always apply to late charge prior to allowing the consumer to pay to past and future payments. I stated this was unfair and deceptive, they stated I had no recourse ; but to accept this. In going through my pay history in order to allow these fees to accumulate there has to be a variation of this policy ; but they would not consider it. At the end of the day applying in the manner that they claim is " policy '' allows the bank to continue to incur fees on top of fees because it would take the consumer a lengthier time to become current.
Consumer complaint received 2015-10-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (NY)

XX/XX/XXXX, XXXX XXXX sent letter advising that Shellpoint Mortgage Servicing would be handling my mortgage payments starting with the XXXX XXXX payment. 
My first contact from Shellpoint was via mail on XXXX XXXX. It was my XX/XX/XXXX statement, stating that my XX/XX/XXXX payment was overdue. With enough information to make a payment, on the first business day that my bank was open, XX/XX/XXXX, I went and set up online bill pay to Shellpoint, which was supposed to land on XX/XX/XXXX. I was just squeeking by to make the on time payment. 
My next contact from Shellpoint arrived on XX/XX/XXXX. It was a welcome to Shellpoint letter dated XX/XX/XXXX, along with the XX/XX/XXXX mtg bill! This seems calculated to put the mortgage holder in a delinquent position. 
I have written a " qualified written request '' letter to Shellpoint, referencing Section 6 under the RESPA, but want to advise government agencies of the poor practices that could result in other mortgage holders being considered delinquent. 
Regards, XXXX XXXX
Consumer complaint received 2015-05-12
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (TX)

My GAP credit card from Synchrony Bank, was closed by the bank because of non activity. When called to find out why they have done without prior notice the response was it was there in the fine prints in the card agreement. My card is valid till XX/XX/2015. My concern is if some is not using the card this is not a reason to close it. Secondly at least I should have got XXXX prior notice that also not happened. So the bank should have give the card for 24 months if that is the validity. By providing more validity time period they are misguiding the customer. And the customer like me are getting impacted in the credit history. Unlike other card this has this unique feature. So I want people to be aware of this bank card.
Consumer complaint received 2015-06-11
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Debt Recovery Solutions, LLC (FL)

I spoke to the original company with DEBT and they said that the TRADELINE HAS been DELETED for that supposed debt. According to the original debt company the TRADE LINE was already deleted and no one after that should be contacting me that I owe a debt. When none of the information on file for that debt collector for me was inaccurate. But according to DEBT RECOVERY SOLUTIONS IN NY, I still owe the money to the original debt company. I told them I found out about the debt bc I am getting ready to buy a home and the individual from that company told me " I WILL NOT BUY ANYTHING TILL I PAY THEM OFF FOR THIS DEBT '', the individual that I called was harassing me bc I will not be able to buy the home am looking to buy bc of this debt. He also told me that he knows what happen bc I did not know the address he had on file for this debt, he was saying that I did all of this and that he already heard all the excuses so that whatever I said was not true at all. When I told him I was not even in the state during that time frame of the debt and not to mention the address they have on file I do not even know. I forwarded DEBT RECOVERY SOLUTIONS the letter from XXXX the original debt company that the TRADELINE has been deleted.
Consumer complaint received 2015-06-10
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have been recently denied credit based upon my TransUnion credit report. I immediately contacted TransUnion by formal correspondence to request a copy of my credit report, in full accordance with the FCRA. I also called TransUnion and a representative told me that I would have to purchase the monitoring service to receive a copy of my report. The FCRA enjoins Credit Bureaus to provide a copy of the person 's report if notice of adverse action has been rendered by the prospective creditor.