davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (FL)

On XX/XX/XXXX I went to my bank to deposit {$50.00} in cash which brought my account to positive {$2.00}. I also had five dollars in my reserve account and {$10.00} in my savings account. On XX/XX/XXXX I received an email stating that my account was overdrawn and my money in my reserve and savings was gone. I called up PNC to ask why this happened and they couldnt tell me why wouldnt issue me a refund and I have to wait for a callback from somebody else from the branch. Ive never had a situation like this happened to me and the fact that PNC wont admit their mistake and give me my money back is insane. I lost my job to COVID-19 my fianc and I are both on unemployment and PNC bank took what little money I had left with no justification. My account shouldve never been overdrawn to begin with I had ample and sufficient money in there and they still decided to penalize me. I will not stand for this and PNC Bank is pretty much acting like a thief with no justification for their actions and theyre going to find out that by doing these type of things has repercussions.
Consumer complaint received 2020-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Army and Air Force Exchange Service (FL)

I am a victim of Identity theft. I live in XXXX, Florida and here the residents do not report this to the police, they told me to simply fill out the FTC report ( and I have done that ). I am getting alot of blow back by the credit bureaus and the companies on my report because I do not include a police report. I then tried to fill out a police resort in the next county to  me ( XXXX  ) and that was denied because I do not reside there. I have accounts, inquiries & incorrect spellings of my name that have not gotten corrected because of my lack of paperwork. I have been trying to get this resolved since XX/XX/XXXX. The following are the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX   XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-10-13
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Admin Recovery, LLC (AZ)

THEY ARE HARASSING MYSELF AND PEOPLE UNRELATED TO AND OLD WIPED OFF DEBT PROTECTED BY THE COURTS AND FCRA ACT. 

THEY USE ILLEGAL TACTICS .... XXXX THEM TO SEE THEIR REPUTATION. THIS BUSINESS NEEDS TO BE SHUT DOWN ASAP
.

THIS IS ONE OF SEVERAL CFPB COMPLAINTS AND NOW THIS WILL BE PUSHED FOR PROSECUTION. MARK MY WORDS
Consumer complaint received 2020-10-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (CA)

Before I moved from XXXX XXXX  to XXXX  I contacted XXXX to cancel the service and tell them to send my last bill to my new address in California and everything went well that day or as I thought. 



Time goes by and no mail or any way of contact had I received and when I check my credit, I saw this account showing on my credit report with a collection agency ( Southwest Credit System ) so I proceed to call and pay it. On that call I found out that they had received my old contact information from XXXX so Southwest Credit System tried to contact me in regards of the account but since they had received the wrong contact information from the original creditor, this prevent me to pay it or dispute before it shows on my credit report, I explained this to the managers and representatives all agreed that they had a wrong address and wrong phone number but they wont to delete from my credit.
Consumer complaint received 2020-10-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc. (TX)

On XX/XX/2020, XXXX advertised to me a 2.375 % rate for a XXXX loan to refinance with zero points through the XXXX platform based on a credit score of over 760, zip code of XXXX, home value of {$630000.00} and existing mortgage of {$340000.00}. I followed up on this advertised rate the same day and provided the same personal and property information directly to Better.com to lock the rate. Better.com then provided a rate of 2.375 % only if I purchased {$7400.00} of points. After discussing with their loan officer, Better.com did not honor the rate they advertised and failed to provide any logical explanation for the discrepancy. The rate could not have been based on any different personal information because the information I provided on both platforms was identical, including the credit score ( their soft pull confirmed that my score was much higher than 760 ). The loan officer stated that he was not aware of Better.com providing a 2.375 % rate at zero points for any applicants, strongly suggesting that the rate they advertised on XXXX was false and is not a rate they were offering at all as of the date above. Better.com is using XXXX to lure applicants to their site and provide their private personal information including social security number, only to change the rates they offer to the applicant after spending significant time applying, despite the applicant 's information being the exact same as what they used to advertise a lower rate. This is false and deceptive advertising and should be enforced against.
Consumer complaint received 2020-10-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

I've made a payment of {$1000.00} to my Citi AAdvantage credit card (  ending in XXXX ) on XX/XX/2020. Due to COVID-19, I've been forced to withdraw my XXXX and pay for my credit cards as my family income has been reduced. I've paid down about 11 credit accounts on the XXXX and XXXX of XXXX, however, this is the only account has not cleared the payment. All other creditors have cleared my payment so far with a couple clearing them 2-3 days after. Once I interacted with the Citi employee via in-app messaging, they relayed to me that my payment would not get cleared until the XXXX of XXXX. 2 weeks to clear a payment is not fair practice based on how all other creditors have treated me. In my opinion, this should be resolved between the creditor and client without the involvement of OCC or other entities as it abuses the client 's time and extends undue hardship to the client.
Consumer complaint received 2020-10-14
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (LA)

I have been sending letters way back on XX/XX/2020 I HAVE RECENT SENT letter out from my bank on XX/XX/2020. 

XXXX XXXX XXXX has been fixed the error. But Experian needs to fix. This was in an error not sure who they are talking too and not showing proof. 

My bank sent me this cause of the issue they know occurred. 

I sent demand letter on XX/XX/2020. I Never missed that one payment. Fix now
Consumer complaint received 2020-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.
Consumer complaint received 2020-10-14
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (SC)

I moved from XXXX  to XXXX XXXX  in late XXXX. Once my residence was established and I received direction from the XXXX   on how to obtain XXXX registration, I contacted Chrysler Credit on XX/XX/XXXX to request a copy of the title and a limited power of attorney as required by the XXXX. I have called Chrysler Credit three additional times ( XX/XX/XXXX - spoke with XXXX # XXXX XXXX - XXXX # XXXX / XX/XX/XXXX - XXXX # XXXX ) to explain my situation. Each time they assured me the documents had been sent out but either to the wrong address or they didn't have an address to send them to. This is not a true statement because I have updated my address in their website and they could have simply looked up my account and found my address. Now I am well past the XXXX grace period for registering a vehicle after becoming a XXXX resident and I have to pay a penalty due to Chryslers Credit incompetence. On today 's call with XXXX, she took my information and I insisted they send the documents via XXXX XXXX with a tracking number and to call me immediately if there was an issue. We will see what happens, but regardless, their incompetence and lack of basic customer service is going to cost me fines and penalties by the state. Please look into this company and their lack of service practices. It is harming customers.
Consumer complaint received 2020-10-13
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc. (TX)

I was never contacted about owing anything to XXXX. I call the collection agency phone number : ( XXXX ) XXXX that is listed on the credit report and it said that is no longer in service and to call XXXX XXXX XXXX. The call to that number ( XXXX XXXX XXXX ) automatically drops and it doesn't work. 

I contacted XXXX  ( XXXX  ) and they said that this is from a XXXX account that during that time I had XXXX  out. They had given me monthly discount due to all the issues that I was having and they tried to recharge me for them. Back in XXXX I requested to speak to their supervisor and I asked her to go back and listen to the recorded phone calls. She agree and informed me that she would contact me back with a response. She called me and told me that I was correct and they went back and took the amount that they had charged me off and she told me on the recorded line that my balance was {$0.00} and wouldn't owe anything and I'm good to go. 

I requested the XXXX agent that I spoke with today to go back and listen to those calls and she said that she couldn't as they don't keep information for that long. They had charged me back a year later ( in XXXX ) and never reached out to me for it. I have 4 other services with XXXX and they have never even brought this up with me ( all under the same phone number as before ). This charge is false and I request them to go back to listen to the past phone calls.
Consumer complaint received 2020-10-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (FL)

Last year I disputed an alleged account from XXXX for {$710.00}. This account wasn't mine and after debt validation and countless disputes, it was proven the account was not mine. Company didn't have proper documentation to tie me to the debt. As a result, the account was deleted from my credit report and I have the proof.
Consumer complaint received 2020-10-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (GA)

I have received at least half a dozen letters and phone calls trying to collect on a supposed debt to XXXX. I currently have an account with XXXX but it is in good standing. I called to confirm this with XXXX. The collection company XXXX XXXX XXXX XXXX says it is an older debt from a couple of years ago but I haven't had an account with XXXX since the XXXX 's, which was also in good standing when it was shutdown. 

I have repeatedly told Convergent that I do not owe the debt to XXXX, XXXX has confirmed to me that I do not owe them a debt. I've told Convergent this as well. I told them to stop contacting me and they should verify the debt with XXXX and they have refused to do both.
Consumer complaint received 2020-10-13
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (NC)

In XX/XX/XXXX Ditech began reporting a higher principal balance than was due through the time servicing was transferred in XX/XX/XXXX damaging my credit score. I disputed this with all three bureaus but Ditech would not correct it. Having filed a claim against their bankruptcy for another issue, I have disputed their information again. Now, Ditech has removed their account from my XXXX  and XXXX  report further damaging my credit score as this was my oldest trade line. But they partially corrected principal balances in my XXXX report.
Consumer complaint received 2020-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I was aware of this fraud account on my credit XX/XX/2019. I am not aware of where it came from or who used my information. Since XX/XX/2019, I have been trying to get this account removed off of my credit.
Consumer complaint received 2024-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$1800.00} XXXX XXXX XXXX - XX/XX/XXXX - {$710.00} INQUIRIES : XXXX XX/XX/XXXX
Consumer complaint received 2020-10-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC. (ID)

On XX/XX/XXXX I was in a car accident and my car was totaled the next day. I made my Car payment which was due on the XXXX to keep in Good standing. Then got the ball rolling with Insurance and XXXX my insurance company to get payment sent over. 

Then in the beginning Middle of XXXX I was give the the run around that my Insurance had not been in touch with Ally Financial the Lien-holder and that they were waiting a response, but XXXX had already sent a check with the Payment amount around 11,500 to help pay towards the loan. Then I log into my account a few days later at the end of XXXX that payment had been sent through and that I did not owe anything until XXXX of XXXX. 

Prior to XXXX and XXXX, Ally would always send a notice a couple days ahead of Payment being due I always got a notice that a payment was coming and I need to pay it off. After the Insurance check went through and I had been in contact with Ally multiple times from XXXX through XXXX about keeping my account in good standing and ensuring I didnt owe anything or that I made sure my account showed that I was in an accident and it was a total loss. I am told at the beginning of XXXX that they didnt know I was in an accident or that my car was totaled. They at that point also did not tell me that I owed any missing payment or a payment was due. Then it took them two months to get moving with my GAP insurance and GAP did not issue a Check until XXXX. I got a Notice at the beginning of XXXX that all of a Sudden I owed {$1600.00} plus dollars and that my account was in collections because no one had communicated to me, I did not have any notices of my account missing any payments, but that I owed {$1600.00} something dollars. 

My credit has been shot and I am in the process of building a house. I need help getting this fixed for the urgent future please and thank you
Consumer complaint received 2016-05-26
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

I disputed an inaccuracy in the reporting from a Bank of America home equity loan. The loan and balance were transferred to another company in 2013. After I disputed an inaccuracy, Bank of America is now reporting my loan as being currently delinquent with a 30 day late status, even though the balance is showing {$0.00} and it was transferred. I was denied a loan because of this and I am very upset.
Consumer complaint received 2020-10-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

In XXXX of XXXX, Wells Fargo sent me a form to fill out for mediation on my claim. Wells Fargo denied my claim in XXXX of XXXX after a person I had never heard of hacked into my bank account and performed a XXXX transfer for almost {$500.00} and left me XXXX and broke. I spoke to a man from mediation and after I told him my experience he assured that he was going to be able to help me get my money back that was stolen out of my account. On XX/XX/2020, I received a letter from Wells Fargo stating that my claim could not be handled through the mediation department and if I wanted to refile a claim to contact their fraud department. I called the fraud department to request that my claim be reopened and the agent was so rude. She firmly told me that my claim was closed and could NOT be appealed because I admitted that I gave my online banking information to a person falsely representing herself as a loan agent. THIS IS A COMPLETE LIE AND MADE UP EXCUSE BY WELLS FARGO SO THEY COULD DENY MY CLAIM. I received 2 successful payday loans and the next day a person I had never heard of before in  my life did a XXXX transfer and stole almost XXXX out of my bank account. I never gave the loan companies my online passwords!!! The only information I provided was my checking account number and my routing number. I have contacted XXXX and their management has told me that WELLS FARGO IS OBLIGATED TO REIMBURSE ME AND DENYING MY CLAIM IS A VIOLATION. I dont understand why I was offered mediation by WELLS FARGO and then told my claim didnt qualify.
Consumer complaint received 2020-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

I was aware of this fraud account on my credit XX/XX/2019. I am not aware of where it came from or who used my information. Since XX/XX/2019, I have been trying to get this account removed off of my credit.
Consumer complaint received 2020-10-14
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. (OR)

So I disputed an account that was fradulent on my XXXX  account and they resolved the issues but XXXX  and Equifax didn't even acknowledge that XXXX had deleted an account that was never mine and so Equifax and XXXX  needs to update my credit score once again. They aren't being up to date with everything
Consumer complaint received 2020-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

I was aware of this fraud account on my credit XX/XX/2019. I am not aware of where it came from or who used my information. Since XX/XX/2019, I have been trying to get this account removed off of my credit.
Consumer complaint received 2020-10-12
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. (VA)

On XX/XX/XXXX I made a payment towards my school loan in the amount of {$22000.00} to Sallie Mae at the time now they are Navient. I thought this was the total amount to be paid to the loan. However, there was still a balance of {$110.00}. Rather than applying my payment to the entire loan, they held the entire {$22000.00} in an account of their own and pulled payments from it till XX/XX/XXXX. Keep in mind, I had no idea this was being done nor did I ever receive one statement in the mail. They said they emailed statements but that probably went to SPAM because I never heard of Navient. Not until XX/XX/XXXX did I get something in the mail stating I was delinquent on my account. Once I received that notice I immediately contacted them to find out what the problem was. Once I validated their claim I made a payment to them to settle the account. Now after 13 years of holding my money and charging me interest they then made a negative reporting to the credit agency. I had a rating of almost 800 and now it is at XXXX! I don't know how they can legally hold XXXX of money, probably in an interest bearing account that I saw nothing of, and then charge me interest. And never send me anything in writing stating that fact. 

Regards, XXXX XXXX