davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-31
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: Experian Information Solutions Inc. (NJ)

I have a charge account with  XXXX  Bank. Merchant made an error ordering equipment and wants me to pay for their error. The charge was put on a  XXXX  card. I am now in litigation with the merchant.  XXXX  expects me to pay and is reporting this as an over due account. The charge is still is dispute. They do not understand.
Consumer complaint received 2024-10-22
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. (VA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2024-10-22
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. (CA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-05-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I tried to transfer funds from m y Merrill accoun t to Bank of America checking account. On  XXXX   XXXX , I us ed Merrill Edge o nline to sell shares and transferred cash  to BofA using their 3-4 day free wire transfer system. One week passed, there was n't any money transferred.    I calle d to Merrill to find out and they explained to me that BofA required more information for the transfer to complete. Previously, I had no problem doing the same transaction. But now they need more information. They asked where I was born, my citizenship, and how do I intend to use the money. As ridiculous as it is, to transfer my money from one bank ac count to the other, I answered all the question. Money did n't get transferred until  XXXX   XXXX . Bank of America also charged me {$16.00} wire transfer fee. I call ed Merrill about the fee, they answered it 's BofA who charged it so Merrill is not responsible. I called BofA about the fee and after long wait, they answered that it was an international transfer so they had to charge it. They found out that Merrill send mo ney to  Merrill   XXXX  and re-routed  to US. It   was huge inconvenience that I was not able use that money on time and headache to call around to get my money transferred.
Consumer complaint received 2019-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

On XX/XX/XXXX I received an email from Equifax stating my dispute results were available online to be viewed. I attempted to login to Equifax to receive this and had to reset the password, which they sent me the link to change and then after resetting the password and attempting to login I get a message to call Customer Care at Equifax. So I do this call them and have to enter all my information in an automated system : social, phone number, date of birth , street address number and zip code. I then finally get sent to a representative who is foreign and can barely speak English. She  proceeds to ask me all the same information again and the dispute number from the email. She then asks me to verify who my mortgage is through. I told her I do NOT have a mortgage, she says, '' well then I can't give you the information because it says you do. '' I told her I don't I filed bankruptcy and it was discharged XX/XX/XXXX so I am not eligible for a loan! She proceeds to say well you need to send in your license. Have a nice day..What??? I three weeks before this unable to file a dispute online, filled out the form and faxed it to them with my license!!! 

I am getting the run around and can not get my updated credit report or dispute status. I have already sent the license and she did not even tell me where to send it AGAIN!!! She hung up on me. This is ridiculous that they have all the information but will NOT give me mine.
Consumer complaint received 2017-05-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (VA)

In  XXXX   XXXX  I decided I wanted to Pay Off my mortgage loan. I started checking my Principal and Interest balance. I noticed t hat ShellPoint Mortgage Servicing ha d the wrong final payment date on my loan.They said the maturity date was  XX/XX/XXXX  By my Promissory Note the date was  XX/XX/XXXX . When I spoke to them they agreed to  XX/XX/XXXX . I then told them that the Principal and interest balance was off also. They told me I needed to put in writing a complaint which I did on  XXXX . I sent them a  Amortization Schedule w ith my loan imformation. They said they had 30 days to respond which they never did. Every time I would call and speak with someone they gave me the run around. As of today my Principal and Interest should be  XXXX  not  XXXX .   Loan started on  XX/XX/XXXX  first payment  XXXX .  XXXX  is my principal and Interest payment per month. loan was for  XXXX  at 15 years for 180 Payments with a fixed Interest rate of 7.9 % .When I asked them to send me a Amortization schedule they said they did n't have to.This loan has never been modified or any payments deferred The loan is current. I appreciate your assistance in this matter.
Consumer complaint received 2016-08-07
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PLAZA HOME MORTGAGE, INC. (HI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wife and Husband, Tenants By The Entirety ( hereinafter " XXXX '' ) purchased Loan Policy/Escrow No. XXXX, XXXX XXXX XXXX XXXX XXXX COMPANY for PLAZA HOME MORTGAGE, INC. in 2006, as well as purchasing a Owner 's Title Policy No. XXXX XXXX XXXX XXXX XXXX XXXX for XXXX also in 2006.
Consumer complaint received 2024-09-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Paying off the loan
Company: PNC Bank N.A. (NJ)

On XX/XX/year> I went to my locale PNC branch requesting a current to date payoff figure on both my Equity Loan and my Equity Line of Credit ( which since XXXX had been changed to an Installment loan ). I immediately wrote a separate check drawn from my PNC checking account for each loan. 

I filled out the requested form to payoff and close out the HELOC. They prepared a XXXX  XXXX  label ( copy attched ) which was picked up that afternoon. The payment was receieved by PNC the next day. 

Within a few days I received a letter of acknowlegement that my Equity Loan has been satisfied but nothing on other loan. Numerous phone calls and " escalations '' have not provided further proof of payment. I am under a court order to have my husbands name removed from these loans or a forced sale of my home. 

They are aware of thses circumstances, yet I am now forced to pay a new loan, and this loan with continued interest without any benefit to my self. I feel given the high variable rates they are doing this simply because they know they can get away with it!
Consumer complaint received 2015-11-04
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio Recovery has refused to delete a judgement for an account that does not belong to me. I have written to them and the original creditor, and proven that the account was not opened by me, but they have cntinued to report this to the credit bureaus and this has caused me great harm.
Consumer complaint received 2016-09-12
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: AES/PHEAA (DE)

I have been in the process of getting a temporary economic hardship forbearance since XXXX because I sat for the Delaware XXXX in XXXX and had no income until I began my clerkship a few weeks ago. For months now AES has misled me all while my loans have been accruing interest, penalties, and late fees. I have called every week and each week the customer service reps have told me they did n't understand why I kept getting denied because of a missing signature on a document I enclosed only for reference. To say I am frustrated is an understatement. I 'm trying to refinance my loans with a different company because AES and XXXX will not work with me at all for repayment options and have strung me along for months in trying to get this temporary forbearance. But I ca n't refinance my loans while they are all delinquent! AES is completely wrecking my credit and there is nothing I can do about it.
Consumer complaint received 2019-12-20
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

On XX/XX/19, USAA Bank called my husband, and after he clearly identified himself, they disclosed false private banking information with him.  Specifically they told him that my account was past due (there was no amount past due, the account was over the limit, but no amount was due), and attempted to get him to pay the "past due" amount on my behalf.  My husband is not a co-signer on this account and I have not authorized him to have any access to this account.  I've requested a written response as to why USAA violated my private banking information and why they shared that information with a non-authorized party, and more specifically why the representative made a false representation to obtain a payment.  USAA has refused to respond.
Consumer complaint received 2016-09-21
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

On XXXX/XXXX/2016 I noticed a pending charge of {$200.00} dollars, but my bank does n't tell me exactly what the charge is until it clears. My bank is HSBC. On XXXX/XXXX/16 I saw that my account had been charged for {$210.00} to a restaurant in XXXX that I never went to. I reported the fraud to my bank and they told me to wait for a Fraud Claim Form. Two weeks later on XXXX/XXXX/16 I received a letter from my bank telling me that they have proof the transaction was authorized and they would not be reimbursing the money. I also received a different letter including the Fraud Claim Report. In confusion, I contacted the fraud department. I asked for the proof and they claimed that my physical card was used at the restaurant. They never provided me actual proof. I asked to speak to a supervisor and was told I 'd be called back. I never received the call. This whole process I have been made to feel like I am the guilty party. They told me I needed to file a police report in order to proceed further. However, they never told me that I needed a signed affidavit from the bank along with other paperwork. I had to go back and forth to acquire these forms including taking a whole day off of work. I did file a police report. Then on XXXX/XXXX/2016 I received a letter from the bank saying they would reimburse me. When I called the fraud department to clarify they told me a different department sent that letter and it was n't valid. I live pay check to pay check and this missing money has put me in financial strain. I submitted the police report to the bank and since then have heard nothing from the bank or any sort of time line as to when this would be solved. I do not appreciate being made to feel guilty, especially when there is no physical proof provided. They have rushed me to provide evidence of my innocence and yet made no attempt to prove I actually used the card.
Consumer complaint received 2019-12-19
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: LendingPoint Holdings LLC (MA)

Tried to pay the remainder of the loan off to avoid being charged interest on a loan that had a 60 day same as cash and when I called on the XX/XX/XXXX they were closed in observation of XXXX. I called Monday and XX/XX/XXXX and they charged me the interest on the loan. I left them a message with there on call staff and even screen shotted the phone call. They refuse to honor there 60 day same as cash. I had a problem with fraud with this company as well, they do all the loans for XXXX XXXX and I cancelled my subscription with XXXX XXXX and XXXX XXXX  payed lending point back {$1400.00} back to them and I was left with $ 470+ balance for a service I never used. In the meantime over a spand of 6 months lending point held my credit hostage and called me to tell me that they are negatively reporting against my credit. After the {$1400.00} was returned to lending point they were forced to report correctly to the credit bureaus. I did receive a e-mail saying that they did correct the mistake. But dealing with there customer service I feel like this company is only out to rippe hardworking individuals off. All this took place in the holiday season and I have a XXXX XXXX baby. I am forced to pay the {$140.00} of interest that acurres more interest daily. Witch I don't understand because I paid the XX/XX/XXXX {$280.00}. So my next payment if I had to pay them would be XX/XX/XXXX. My payments were scheduled for the XXXX of every month. So I don't know. I am reporting them so you guys can hopefully notify them at least that they did me wrong and also keep future hardworking individuals from being ripped off.. thank you!!!
Consumer complaint received 2016-12-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Performance Management, LLC (TX)

Due to the fact that my problem does n't truly exist in the drop down menu I will explain it myself in detail. I sent a Creditors Validation letter to Receivables Performance Managment. I had my Personal Financial Consultant XXXX to speak on my Behalf with them as well. I sent a legal authorization form to them as required. This account is a XXXX Cell phone bill that was in their office and I sent the letter for them to validate the debt in the allotted time frame given by the FDCPA which is 30 days. In my case the debt was never validated by Receivables Performance Management. Therefore, by the FDCPA and Texas FDCPA Law which state that a debt collector must be registered with the State of Texas in order to collect a debt in Texas. Receivable Performance Management is not registered with the State of Texas. Also, I know that a Debt Buy can not hire another debt collector to collect for them in Texas therefore this debt can not be transferred to another collection company. Therefore, this debt should be removed from out of the office of Receivables Performance Management. 
I have never open a joint account with XXXX in my name ever. This is a fraud account open and needs to be removed from my credit report.
Consumer complaint received 2021-01-17
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Shellpoint Partners, LLC (TX)

Ditech file bankruptcy In XX/XX/XXXX the switch my account n messed everything up My account switch in XX/XX/XXXX to shellpoint Ditech change my regular monthly payment after XX/XX/XXXX the went up alot n didnt apply 2 or 3 payments Shellpoint Sent letter on XX/XX/XXXX about account switching over but I was already have problem with ditech I payed XXXX n shellpoint said i was still in default but when I called their new account office they said I was current n the still foreclosed on my house
Consumer complaint received 2019-12-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (MI)

On XX/XX/2019 a continuous OD fee of XXXX was applied to my account although my account was positive. My account was negative from the friday before up unitl XX/XX/XXXX when my direct deposit hit my account making the account positive. So on Sunday XX/XX/XXXX I called the bank spoke to a CSR tried to explain the above she said the fee was applied for XX/XX/XXXX on XX/XX/XXXX i said that makes no since because theres a XXXX fee on XX/XX/XXXX she hung up in my face you can hear the phone hanging up. I called back filed a complaint asked for the call to be pulled it is XX/XX/XXXX no one has addressed this issue yet. okay i go into my online account and notice that OD charges came out on XX/XX/XXXX for 3 days as if i never brought my account positive. I called again she saying i had things pending that i cant see my account is negative when the OD charge was applied on XX/XX/XXXX but i cant see. Then after going over common since of this makes no since what do you mean i cant see it why are you seeing different amounts than me that sounds like fraud. she then tells me to go in a branch. I go in to a branch on XX/XX/XXXX speak with a representative we both see what im saying but the branch manager says no she had a XXXX pending charge. I said no the XXXX is an atm withdrawl made at a XXXX ATM I made that withdrawl around XXXX am if my account was overdrawn on the morning of XX/XX/XXXX I wouldnt have been able to make that withdrawl and even after the withdrawl I still had money in the bank. So lets say i did owe you XXXX it was a positive amount i paid the XXXX on so why would fees be deducted on XX/XX/XXXX as if the account was never positive. I said the continuous OD fee must communicate to your system that my account is negative and this was an error causing other things to be reversed and more fees assessed. I would like an audit of my account as far back as 4 years looking into how many times this has happened in the past. and i want a refund of all fees assessed to my account do the error of the OD fee applied on XX/XX/XXXX and after.
Consumer complaint received 2016-08-30
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (NV)

Home Depot intimidates its customers by threatening to lower their credit limit and/or close their credit card accounts if they do not purchase HD items on their HD credit card. Prior to my credit limit being lowered, HD had sent at least one mailing ( maybe two ) that said I needed to buy something using my HD credit card if I did n't want my credit lowered or my card cancelled. I did what the mailing ( s ) said, paid on time, never went anywhere near credit limit -- yet HD cut my credit limit in half. 

Home Depot unfairly lowered my credit limit from {$5000.00} to {$2500.00} ( via CBNA, XXXX. XXXX XXXX XXXX XXXX, SD XXXX ) and reported that action to the credit bureaus, which in turn lowered my credit score from XXXX on XXXX XXXX, 2016, to XXXX on XXXX XXXX, 2016. Having less available credit has continued to lower my credit score anytime I use my credit cards, because credit scores are based on credit used versus credit available.
Consumer complaint received 2019-12-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC (DC)

On XX/XX/2019, I paid off my student loan with UAS ( servicing a XXXX XXXX  XXXX XXXX XXXX refinance ) through a refinance with XXXX. 

Due to processing timelines, the amount paid by XXXX to UAS resulted in a {$210.00} overpayment of the amount, leaving the ~ {$200.00} credit on my UAS account. 

I reached out to UAS and they said the amount would be paid back to XXXX  within 45-60 days. It is now past that timeline and they haven't responded to a more recent inquiry on the status.
Consumer complaint received 2019-11-13
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. (NV)

XXXX/XXXX  XXXX ACCT NO XXXXXXX IS BEING WRONGFULLY AND INACCURATELY REPORTED WITH DAMAGE ON MY EXPERIAN AND XXXX CREDIT FILES.I WOULD LIKE THE ENTIRE ACCOUNT REMOVED DUE TO THE NUMEROUS ERRONEOUS LATE PAYMENTS. 
" XXXX '' ... ... ... ... .... 
OF XXXX XXXX ( AQUIRED BY XXXX/XXXX  XXXX ) HELPED TO DEFRAUD ME WITH ILLEGALLY INACCURATE INFORMATION WHILE ATTEMPTING TO OBTAIN A NEW REFINANCED OR RECAST LOAN FROM XXXX/XXXX. 
XXXX ... ../SPOC AT XXXX XXXX  ,XXXX XXXX XXXX, XXXX, NB XXXX ,XXXX, FAX XXXX, PERSONAL PHONE XXXX WAS MY REP AT XXXX.XXXX TOLD ME THAT IN ORDER TO QUALIFY FOR A LOWER RATE OR LOWER PRINCIPAL THAT I WOULD HAVE TO DEFAULT AS PART OF THE PROCESS. 
I DID AS XXXX INSTRUCTED AND WAS THEN TURNED DOWN TWO TIMES FOR THE LOAN XXXX TOLD ME ABOUT.THIS CAUSED ME TO HAVE TO PAY {$160000.00} TO BRING THE LOAN CURRENT, WHICH I DID FOLLOWING THE SECOND DECLINE.I DIDN'T REALIZE WHAT XXXX WAS INSTRUCTING ME WAS ILLEGAL AND I BELIEVED XXXX AND HIS COMPANY WERE ABOVE BOARD WHICH THEY HAVE PROVED NOT TO BE.
Consumer complaint received 2019-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIRST ADVANTAGE CORPORATION (FL)

Recently, I requested a ( long form - vault copy ) of my XXXX birth certificate. I was encouraged to use an online service. Which is endorsed by the XXXX Vital records department. ( VitalChek ). 
During the verification process I was asked a series of VERY Specific questions about my history. One question asked about a bank loan/court/mortgage WHICH I HAVE NO KNOWLEDGE of. I asked VitalChek about this mysterious question. They said these questions are public record. Whats my next step? It sounds like fraud or bankruptcy. 
Please note : I am not upset with the vendor. I want to find out more about the record. 

How do I research this further? Currently, I am in XXXX. 

Respectfully XXXX XXXX