davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: PNC Bank N.A. (WI)

PNC XXXX XXXX XXXX had sent out a promotional mailing that said the card had a 4 % payback on ALL purchases. After spending a few thousand dollars I went to cash in my XXXX points and the " conversion '' to cash back and applied to my account and the conversion to cash was only {$22.00}! The 4 % points generation ( XXXX ) are actually not worth {$110.00}, which would be the case with all my other 1 % card cash back, like XXXX, XXXX, XXXX, etc. Thus, the net cash back is not even 1 %, but rather only 0.8 %. I call this false advertising!! 

I talk to a PNC rep today ( XX/XX/18 ) and he said you get less on cash back and most people use gift cards. Well I check the conversion to two gift cards, XXXX and XXXX gas. The conversion is the same, NOT point per dollar, the same 0.8 % conversion of point to dollars. Very deceptive advertising!
Consumer complaint received 2018-09-26
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (FL)

This complaint is being directed against American Education Services, XXXX XXXX XXXX XXXX, Pennsylvania XXXX -- -- Fax XXXX XXXX. The loan number is XXXX. 

In 2006, {$10000.00} was loaned to XXXX XXXX XXXX and myself, XXXX XXXX XXXX, as co-signor. Since then we have paid on this loan and are up to date and our balance after 164 payments, and 11 years of paying, is still over $ 7,000.The APR is 11.295 % and the total moneys we are slated to pay is {$39000.00}, which is four times the borrowed amount. We have been told that the government considers this a PREDITORY LOAN. 

The total we have to pay monthly is approx {$83.00}. In our advancing years this is causing a financial hardship and is straining our budget more with every passing year. 

We have already paid more than {$13000.00} on this preditory loan, and it is increasingly wreaking havok with our budget. 

We, therefore, are willing to pay {$3000.00} to completely payoff this preditory debt and receive a release from any and all further debt to AES and XXXX XXXX XXXX and it's assigns. We are willing to settle within 5 days from AES 's acceptance and we will pay you in a bank certified check. 

We hope you will approve this settlement so that we do not have to resort to litigation. 

XXXX XXXX XXXX and XXXX XXXX XXXX.
Consumer complaint received 2018-09-22
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. (SC)

XXXXXXXX XXXX has chosen this portal to intimidate me for their inability to provide a contract bearing my signature obligating me to pay the charge offs they are reporting on my CRs. Instead XXXXXXXX XXXX sends me receipts and checks XXXX my signature verifying the account. Against the law. XXXXXXXX XXXX did not indicate Dispute on my CRs 30 days after the original dispute letter dated XXXX XX/XX/2018. Violating FCRA. I am requesting that you enforce XXXXXXXX XXXX XXXX and Equifax and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-09-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: First Investors Servicing Corporation, Atlanta, GA Branch (NJ)

On or about XX/XX/2018 I sent written correspondence to First Investors providing clear instructions on how my future over payments should be applied. First Investors has failed to acknowledge said letter and apply subsequent over payments as instructed.
Consumer complaint received 2018-09-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Credit Management, Inc (AR)

Last year on XX/XX/XXXX I noticed my credit score decreased by XXXX point. I researched the issue and found it to be because of a {$310.00} medical bill that had gone to collections. I contacted the collection agency immediately and it was discovered they were sending notices to an old address so I never received the notices. They didn't care. I was willing to pay the bill, but wanted it off my credit report. They said no. I contacted the original hospital and the anesthesiology group. Everyone had the wrong address because the hospital neglected to update my records the day of the procedure. I provided the right address to everyone at that point, but no one would help resolve the issue. I actually have a copy of the official medical records that show I provided the hospital with a copy of my Driver 's License with the correct address. After numerous calls, I gave up last year trying to fix this. I decided to pay the bill today, XX/XX/XXXX with the credit agency because I owe the money. They said it was past the time limit to collect. I stated that I always wanted to pay the bill because I owe it. I just want it off my credit report because I never got a bill from the anesthesiology group or the credit agency.
Consumer complaint received 2018-09-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MS)

I filed a complaint with this company CFPB against Ocwen ( the company in which CFPB sued in reference to many consumers ), however CFPB closed my complaint after first response from Ocwen without my reply to the information they submitted. However, I gave my response to info in feedback inquiry as Ocwen 's own data showed they added over {$12000.00} to my mortgage balance after I was harrassed and threatened of foreclosure if I did not catch up 2 missing payments. Also after submitting all info and documents to my request for remodification under the HARP/HAMP program, my request was never processed. Instead thousands and thousands of dollars were added to my balance in 2010 with no explanation as to why. I am very disappointed to the handling of this matter and is still stunned and why my complaint was closed._
Consumer complaint received 2018-09-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MI)

Ok so my servicer is navient. I got a letter from XXXX XXXX XXXX stating that they mailed me an authorization form ( flat out LIE ) and that I never sent it back to them so they are canceling my payment arrangements. Now I see that Navient wants to charge me XXXX a month for this loan. When I was approved for the IDR why wasnt this third loan included and why didnt the third one pop up until later?? I cant afford XXXX dollars per month and I can see why there is a lawsuit against the company. XXXX XXXX XXXX is a bunch of incompetent XXXX. I called them about their XXXX letter and the guy acted like he had no clue what I was talking about.
Consumer complaint received 2018-09-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC (MD)

I lost my job on XX/XX/2018. I completed a Loss Mitigation package with loanDepot, who sent acknowledgement of receipt of the completed application on XX/XX/2018. I have called several times to get a status of the application, but only receive a recording stating that my loan is with an underwriter. They continue to send notices of intent to foreclose even though every time I call they tell me the same thing. I also consulted a HUD adviser that informed me that they are obligated to decision the application within 90 days and it has been more than 120 days since I completed the application.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NJ)

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-21
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. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2018-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (TX)

There were some unauthorized charges on the account, they refused to remove the unauthorized charges. I paid the accurate amount and now they are charging late fees for unauthorized charges AND reporting false information to the credit bureau
Consumer complaint received 2018-09-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BMO Bank, N.A. (WI)

I purchased a 5 year ARM mortgage with BMO Harris on XX/XX/XXXX. The purchase price of the house was {$260000.00}. I made a down payment of 10 percent and took a loan of {$240000.00}. I was told that my PMI would be automatically cancelled as soon as my loan to value reached 78 percent. That seemed to be true from the contract I signed. The contract said, PMI will automatically terminate on the day the principal balance of your loan is first scheduled to reach 78 % of the original value of the property provided your loan payments are current. This date is XX/XX/XXXX. There is no mention on how any extra payment would be handled. 

I paid extra almost every month towards the principal. Now my Outstanding balance, as per Bank 's own statement ( {$200000.00} as of last statement ), is less than 78 percent for last few months. But Im still paying PMI. BMO-Harris is not considering the extra payments I made towards principal. I think that against CFPB norm/rule, as per CFPB website itself. I tried to resolve the issue many times with the bank. But the bank insists that I have to pay PMI till XX/XX/XXXX. My 5 year ARM term would end on XX/XX/XXXX.
Consumer complaint received 2018-09-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (OR)

Dear PENN CREDIT CORPORATION, You are in violation of my consumer rights and willfully listed a debt I have never incurred. Furthermore, there was never a notice given to alert me to this supposed debt. I received no letter from your company about the alleged debt. My account with XXXX has never been late nor have I ever left a bill unpaid in the 4 years I received electric service. I moved across the country on XX/XX/2018. At which point my account was closed and completely paid. My attempts to dispute this matter directly with you have been unsuccessful. Shame on you. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2018-09-25
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Atlanticus Services Corporation (CA)

Had the XXXX Home improver card since 2017, I have never had a late payment I have paid over {$1300.00} to them for a card with {$2000.00} limit and it shows i have only paid it down {$200.00} dollars. I cant identify how they are stealing from me they have masked it well please help.
Consumer complaint received 2024-10-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (FL)

My companys bank accounts were frozen on XX/XX/XXXX due to a fraudulent claim from a customer. This has also resulted in my personal account being locked, making it impossible for me to pay my bills. Another customer informed me that Truist was reaching out to their bank to refund orders that had already been placed and delivered, with these transactions averaging around {$20000.00}, leading to significant losses for my business. 

I have not committed any wrongdoing or fraud. The customer expressed concern about not receiving their merchandise within two days, despite our website and sales reps indicating that it can take up to 10 business days. I offered a full refund, but Truist blocked it. I have proof of this refund request, and there was no misconduct on my part. All my funds are currently locked up, and I need their release to pay my bills and suppliers. This incident is costing me {$20000.00} a week. 

Customers are being refunded without any communication with me or consideration of my side of the story. I feel vulnerable, scared, and like a victim of Truist because of their lack of communication, and I need to resolve this issue quickly. 

I have been unable to get any information from the branches or anyone else about this situation. If theres a disputed transaction, it would be far more effective to hold that specific transaction and contact me directly, rather than freezing my entire account. I urgently need access to my funds, which include {$130000.00} in my business savings, {$590.00} in my business checking, and an additional {$30000.00} in my second business checking account.
Consumer complaint received 2018-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

Citibank requested that I update my account information, which I have been doing for the past several years. Each time I speak to them, they claim to have updated my information. For months they have been threatening to close my accounts. I have received mail and this alert also appears each time I sign into my online account. It has caused be serious stress throughout this time and has consumed hours of my time on various phone calls to address this issue, which each time, in spite of their promises to resolve it, remains a problem. I live abroad and my access to my account is crucial to my well being and security. In XX/XX/2018, I had another call with a representative who promised this would be resolved and escalated to analysts to have resolved. And when I called again in early XXXX, they promised to escalate this to their analyst yet again and that I would hear within 48 hours by email and by phone. They never reached out to me. Today ( XX/XX/2018 ) I called again because I continue to receive the same ominous messages and threats and they continue to claim it will be resolved without a clear confirmation. I am still receiving these threats, which they are not taking seriously. They have kept me on hold for hours and have ignored my requests. I am unable to terminate my account and move my funds and all direct deposits because I'm an expatriate living abroad. This is unacceptable and their negligence is a clear indication of their discrimination of their customers who are not large profile business accounts. They have violated their own terms of service with their customers and I am requesting that action is taken as soon as possible.
Consumer complaint received 2018-09-21
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Riverwalk Financial Corporation (TX)

I received notice from my online credit report monitoring that two accounts from XXXX XXXX XXXX had been added to my credit report. XXXX XXXX XXXX the FACTA section 623 ( A ) ( 7 ). They did not notify me by mail before placing a negative item on my credit report.
Consumer complaint received 2018-09-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Opportunity Financial, LLC (IL)

I XXXX XXXX took out the loan I am not disputing the loan I had a downfall in life and defaulted. I have received emails daily on call XXXX at XXXX for a customized settlement and I did not call until XX/XX/2018 when I received a " Notice of Intent to Assign Wages '' I spoke to XXXX who refused to assist her only option was for me to pay {$560.00} now and make the original monthly payments. I stated to her I do not have that money I really do not I need help she refused to offer me any solution. I currently have {$100.00} in my checking account. I asked to speak to a supervisor and she refused to allow me to speak to a supervisor. 
with the notice of intent to assign wages the letter sates to send to XXXX XXXX XXXX XXXX XXXX but XXXX told me to send to XXXX XXXX XXXX XXXX XXXX so even their correspondence is inaccurate. I think this company has no intentions to help anyone who is struggling.
Consumer complaint received 2018-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Diversified Consultants, Inc. (KY)

A company Called diversefied consultants keeps reporting a debt from XXXX XXXX on my credit report. 
The dates are wrong, the balance is incorrect, everything is incorrect. I closed the account with a XXXX balance .... They offered free of charge to come pick up there equipment from my home and then a few months later sent me a bill for picking up the equipment and also at the same time for not returning the equipment. So they charged me for keeping the equipment and for them picking it up ... .. This is happening as well to alot of other consumers from what ive heard ... ... and its a scam and a crime. I work hard to keep my credit report atleast halfway decent, and if i charged something i would accept responsibility. But i didnt. 

And here is the kicker. Ive already had this removed from my report twice. And the credit bureas will remove it and then 6 months later let them re-report it ... ... Unreal ... so its back and forth with these scam artist blackmailing consumers. 

Ive heard rumors that my state attorney general is even looking directly into these con artist. 

I need help with this .... I shouldnt be punished for paying my bills on time and being a good citizen by some thugs intimidating people into paying them hundreds of dollarz for nothing or they will destroy your credit. 

Its sad that i have to take it this far. But i dont know what else to do ... .im so aggraveated, every account on my report is good standing perfect ... .and then there is this blackmail account dragging my score down so i cant get a home, a car, nothing because of XXXX   XXXX and diversified consultants which im sure is just a dba of XXXX  no doubt. What a scam. They have probably wrote the equipment off as a tax loss too when they know good and well they got it back.
Consumer complaint received 2018-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Trans-union reinstated inaccurate information after its was corrected and deleted from XXXX credit report. 

On XX/XX/2017 an inaccurate information was deleted from my credit report. XXXX XXXX XXXX was the original creditor. The amount that was deleted was for {$210.00} On XX/XX/2017 Trans-union reinstated the same information, thereby dropping my score significantly. 

As a result, I am unable to move forward with obtaining financing and have suffered a financial lose because of it.
Consumer complaint received 2018-09-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

every day, several times a day, calls are made, very abuse conduct, constanly calling. had an attorney notify them in letter telling them not to call anymore. they have continued calling, everyday and several times a day, with different numbers from all states, really abusive. iv notified my attorney and they also will notify them again, they are not suppose to call anymore. the company doing this is : portfolio recovery, they are a collection agentency, with 3 different collections. they call from all different numbers.from different states. calls have been from XX/XX/2018- till now, continues everyday. several times a day, from XXXX - to evening time after XXXX.
Consumer complaint received 2018-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OR)

myEquifax website did not allow me to place a free credit freeze as permissible today required under federal law. I was prompted with incorrect identification information and unable to re-login using my account. Equifax believes that I have auto and installment loans from a credit union, but this has never been the case ever. As I logged out upon noticing inaccurate information, I am now unable to log in at all and get the response " We are temporarily unable to complete this request. ''