davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (KY)

We acquired a loan XXXX/XXXX/2012 in the amount of {$100000.00}. The cost of our house was {$110000.00}. We currently only owe {$36000.00}. I have never been late on a payment and my credit score was XXXX when we acquired this loan, so we should not have been considered high risk. My issue is that PNC wants to require us to get an appraisal that will cost {$500.00} before they will remove our PMI. I think it 's unfair to make us pay an additional {$500.00} when our current LTV is XXXX %. Is there anything that we can do to make them remove our private mortgage insurance since we are way below the XXXX % LTV?
Consumer complaint received 2016-08-11
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Alliance One, Inc. (FL)

A person claiming to represent Alliance One debt collection agency called me from the phone number XXXX. They claimed I owed {$47.00} for a past due debt owed to the NY Port Authority related to XXXX. They claimed that both they and the NY Port Authority had sent bills to an address but did not give the exact street address to which the bills were sent. 

I have n't lived in NY for several years and I am unaware of any debts owed to XXXX. I suspect they are either mistaken about me owing a debt or they are making the debt up to see if I 'll pay them money. If I actually owe a debt I am happy to pay it if they will provide written proof of the debt. They should have to send proof of the debt to my address. They should not be calling me asking me for information about where I live or to verify additional information about me. It is unfair and unreasonable for them to be able to claim they sent a bill to an address where I do not live and expect me to pay the bill and whatever fees they chose to add onto the supposed bill.
Consumer complaint received 2015-12-28
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAVALRY INVESTMENTS, LLC (GA)

While I was XXXX I was protected by the Soldiers and Sailors Civil Relief Act. I was unfairly charged massive late fees and compound interest during this time that was illegal for them to do so. I had contacted all of my creditors and sent them a copy of my orders because they are required by law to reduce interest rate to 6 %. Since then the debt from those credit cards has been sold and I can not get this issue resolved.
Consumer complaint received 2016-01-19
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (GA)

I have a mortgage with Nation Star Mortgage. They took over my loan from XXXX XXXX XXXX XX/XX/XXXX. I have never received a mortgage statement from them for the entire period of XX/XX/XXXX - XX/XX/XXXX XXXX. The XXXX mortgage statement was sent for XX/XX/XXXX. ( Please See Attached ) Nation Star Mortgage never sent me anything advising me that my interest rate was going to rise and go higher. The only way that I found out that information was when I received the XXXX mortgage statement which came as a complete shock to me. My mortgage payment jumped from being {$1100.00} with 4 % interest to {$2500.00} with an 8 % interest rate. The mortgage rate is set to change again as of XX/XX/XXXX. I found out this information by reading the XXXX mortgage statement. My original mortgage from when I first purchased my home did not include them keeping an escrow account for my property. I was responsible for paying my property taxes and my homeowners insurance without it being calculated in my mortgage. Now they want to keep an escrow account in my monthly mortgage payment. I have never received my annual mortgage tax document which tells you the interest to file for your yearly income taxes. The only way that found out this information was by calling in to Nation Star and speaking with someone verbally and they advised me the amount to claim verbally over the phone. But I never once have received anything in writing. I never received any documentation advising me that I was making partial payments toward my mortgage. I have never received any documentation regarding the funds and how they were being distributed that were being held in the mortgage escrow account or for my mortgage account with them period. I would like to stay in my home and keep my home with knowing that I will be able to afford the payment without being put out on the street because of some fraudulent mortgage company who wants to operate by their own rules and regulations. They are not operating on the government set rules and regulations as far as being a mortgage company and dealing with the public. Please Help ....
Consumer complaint received 2016-05-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Viking Client Services (CA)

I rented a car from XXXX. I did not inspect the vehicle because I picked it up late at night in a rainstorm. When I returned the car the following afternoon the attendant asked me how I damaged the front corner panel. I was shocked. I had not damaged the car in anyway. I filled out a statement with Budget that stated i did not inspect the vehicle and I had no idea how the damage occurred or even if it was while I had the car. This was XXXX XXXX. Today, I get a call and a letter in the mail from XXXX XXXX XXXX. The letter has no information on the car, the damage, even the rental date - nothing. It is just a bill for {$470.00}. I called Viking Services and asked for an itemized statement of damage and repairs. I also asked how to dispute the charges. They told me they would send me info on XXXX but have not responded. I told the representative I spoke with i would wait on the line while she collected the info but she said it was a long process. Really? If they want money from me should n't they have all the documentation readily available to them?
Consumer complaint received 2016-09-13
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: SYNCHRONY FINANCIAL (GA)

XXXX XXXX XXXX contacted my spouse about a debt collection that is solely in my name. My spouse verified with the representative that the account is only in my name. They gave my spouse information regarding the company, account balance and other personal information. This is a complete violation of privacy. I have never spoken with any XXXX from this company before. I have not received communication from them. I did not give them permission to speak with anyone regarding this debt collection. I do not mind working with a professional debt collection agency regarding this account, but I will not work with an agency that violates FDCPA. I can not trust a company that violates federal law to handle any of my personal information. My spouse asked them to mail proof and they refused, citing only an email that they sent to his ( MY SPOUSE ) email -- not mine.
Consumer complaint received 2016-11-26
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc (VA)

Paypal permanently limited my account on XX/XX/XXXX I appealed this decision, but my request was denied. To make matters worse, Paypal then held my funds for more than the agreed-upon 180 days ; I was only able to get the funds released after contacting Paypal after 200 days. Outrageous. Currently another issue has arisen : Paypal has restricted my ability to use ebay. Because Paypal processes the payments of certain vendors, it blocks my payments, so I am unable to engage in legitimate commercial activity with ebay vendors. Outrageous. I am seeking your assistance in having Paypal remove my purchasing restrictions on ebay. I do n't care about my Paypal account per se ( they wo n't allow me to add funds to my account, for instance ). However, I would like to be able to purchase goods and services on ebay. Thank you.
Consumer complaint received 2023-05-04
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. (CA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX, XXXX XXXX Date Open : XX/XX/XXXX Balance : {$36000.00}. Please update this account. Also, I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXX Date Open XX/XX/XXXX Balance : {$0.00} and XXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2020-03-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (TX)

On Saturday XX/XX/2020 I uploaded {$1200.00} to my cash up through my debit card. I was new to this type of service I was just testing it out. I attempted to make a withdrawal to my bank account that was linked and I could not it said my account was locked for suspicious activity. It told me their contact support which you can only do through email and said it would get back to me within 24 hours. I still have not received any emails back my account is still locked and when I click on contact support now and tells me that there is an error occurred it will not let me send emails now to them they will not let me access my funds in any way whatsoever or communicate with me I need my money this is a cash app account the debit card and bank account both linked to my cash out account or the same account at XXXX. My cash app handle $ XXXX. My name is XXXX XXXX. My phone number is XXXX XXXX XXXX
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

NAME : XXXX ACCOUNT NUMBER : XXXX This account shows late payments on all 3 bureaus & XXXX shows balance of XXXX $ which is incorrect, I'm uploading proof of statement, this account needs to be updated/corrected..never late.. 

NAME : XXXX XXXX  ACCOUNT NUMBER : XXXX shows late payments, I have never been late on making these payments ever.. payment history needs to be corrected!
Consumer complaint received 2019-04-23
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. (NC)

Equifax is reporting an incorrect balance, and an incorrect past due balance on XXXX partial account number XXXX. This is a Fair Credit Reporting Act ( F.C.R.A. ) violation because it has not been updated since 2013 and F.C.R.A. mandates it be updated every 6 months. ( Please see page 13 of my credit report attached. ) In addition, we have filed dispute letters to Equifax and they have never corrected it. This account should be balance owed {$0.00}, past due {$0.00} and the status coded as XXXX instead of XXXX with a comment of paid or closed, XXXX balance.
Consumer complaint received 2023-04-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: DISCOVER BANK (FL)

Plaintiff ; Discover Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX ; XXXX XXXX XXXX XXXX, Fl. XXXX Case Number ; XXXX XXXX XXXX  ( Filing # XXXX XX/XX/2021 XXXX XXXX ) After documented proof the sole income Social Security XXXX and Veteran Administration 100 % rated service connected XXXX XXXX Veteran Benefits were both Federally and State of Florida protected from collections went vehemently ignored. Discover perpetually advanced collections with terminal disregard for formal procedural law and refuses to respond acknowledgement of any and all defense when every contract application has two ends not only the creditor as they intend to force in litigation in willful and wrongful violation of formal law. 

When debts are to cater to a given religious theory which deviates from formal law and judiciary caters to any religious movement debts are moot when the debtor is not of that given religious movement. Whereas, it's rules only apply to those of the given religion, no religious tyranny is even conceivable as absolute and final when the action attempts to supersede citizen protection procedural formal law. 

Discover Credit Card Bank after the better part of five years attempted to force collection with unsurmountable phone calls, reminder and warnings in letters of collection demands with added fees. Then issued a Broward County Florida Civil Small Claims Court procedure menacing and harassing the cardholder without restraint against tax exempt Social Security and XXXX Veteran Benefits with a tyrannical disregard for Federal and States of Florida Consumer Protected from collections funding. While demanding payment willfully superseding formal procedural law. Then in a Final Judgement managed to attach a 20 year demand with warning of added fees, penalties and taxes if not paid in gouging causing health care complications and compound XXXX XXXX XXXX XXXX XXXX XXXX Veteran Administration Mental Health outpatient with disregard for further mental harm they are perpetrating. All previous complaints about Discover at CFPB were closed without Discover directly answering the given complaint as they circumvented reasonable response as if only their side mattered moving against procedural law. When no action was taken for remedy and acknowledge withdrawal of the collection demand to comply with Federal and State of Florida protected from collections income in violation of formal procedural law. 

I move to have this complaint advanced to Criminal implicating Discover is in direct violation of Florida Statute XXXX ( Prohibited debt collection practices generally ) And Discover is in vehement and willful violation of The Fair Debt Collection Practices Act ( FDCPA ) Consumer Financial Protection Bureau.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports
Consumer complaint received 2019-04-22
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: NATIONS DIRECT MORTGAGE, LLC (CA)

I apply in XX/XX/XXXX for loan assumption, on XX/XX/XXXX the Assumption Department told me that the assumption got approved and be will reported on XX/XX/XXXX and until now XX/XX/XXXX I did not get any answers even do I been call and spoke with customers services supervisors several time were they told me it will be reported on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, they are playing with me making spend my time several hours, not body telling me the true today XX/XX/XXXX, another customer service told me that, the company XXXX XXXX XXXX do not report anything to the credit bureaus, because they don't have to do so, and I spoke with his supervisor and he told me again the loan will be reported on XX/XX/XXXX, they are not taking serious they job, nobody now what to answers, they provide really bad services, they don't care about the services or the customers, I am frustrated because it is almost 1 year and they not finish the assumption like others loan mortgage who does in between 1 to 3 months the most. The assumption department never can get rich, the customer services does not provide true information, they never calling back, they lie to me. I can not trust this company as my loan mortgage company. They did not report to the credit bureaus and I am paying the house without any missing payment. They look like discriminate to me and with that they are trying to make me miss a payment. I want the loan to be reported immediately with not excuses.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am reaching out to address several concerns I've encountered with the credit bureau, including incorrect account listings, an unknown collection, unauthorized inquiries, inaccuracies in credit reporting, and billing errors. I am seeking your assistance to resolve these issues in order to protect my financial well-being.
Consumer complaint received 2016-10-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX