davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-23
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Pro Com Services of Illinois, Inc. (IL)

My XXXX XXXX provider XXXX XXXX XXXX routinely treats me and has done so most of my life. I have one six-digit account number assigned by XXXX XXXX XXXX for all billing purposes, $ balance varies. PRO COM SERVICES OF ILLINOIS, INC XXXX, IL XXXX, is a debt collector and is listed on my credit report ( see attached ), under collections - PRO COM SERVICES OF ILLINOIS , INC shows six bogus account numbers assigned to each Original Creditor XXXX XXXX - collection account with sum total for {$710.00} Balance, dates are spread out from XX/XX/XXXX to XX/XX/XXXX. Last two collections for XX/XX/XXXX. XXXX list the same account number XXXX, first one shows {$90.00} and second one shows $ XXXX.I am told PRO COM is also a Furnisher - entity that furnishes information relating to consumers by definition 12 CODE of FEDERAL - CFR 1022.41, to one or more consumer reporting agencies for inclusion in a consumer report. Information provided as shown on my credit report lacks Accuracy and Integrity, materially misleading in evaluating my consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics or mode of living and Appendix E to 12 CFR Part 1022 Concerning ACCURACY and INTEGRITY of INFORMATION Furnished to Consumer Reporting Agencies -CRA . Intentional Multiple Listings is most harmful.
Consumer complaint received 2020-11-23
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. (ID)

I am a victim of identity theft. I have attached a redacted police report XXXX eliminating photos and text because of the size of the file exceeding 10mg ). I am asking the government to please review the information, and if needed, I can provided an original company via mail of the complete police report conducted by XXXX Police Department.
Consumer complaint received 2020-11-23
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. (MS)

I graduated in XXXX and started making payments shortly thereafter. I was a single mom going through a divorce and had a hard time making payments a couple times. I think the total I borrowed was {$23000.00}. 
Starting in XX/XX/XXXX to XX/XX/XXXX I paid {$300.00} per month. From XX/XX/XXXX to XX/XX/XXXX I paid {$350.00} per month. Just in the total amount of money I've sent them without interest that exceeds what I borrowed. 
I have tried to figure out how they have handled the money I sent them from XXXX to XXXX, but I can't figure it out. Many years ago I tried to talk to them on the phone but all the response I could get was " it is interest, it is interest, '' from someone in a foreign accent. 
I am XXXX and am retiring at the end of XXXX, from the XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX and I am a veteran. I haven't qualified for any of the forgiveness programs I applied for over the years. I don't even know where to begin to find out if my loan has been mishandled. 
Please help so I don't have to continue paying this from my social security check. 
Thank you so much for your time. 

PS : I was stationed at XX/XX/XXXX and XXXX XXXX XXXX. In the XXXX I was stationed at XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-11-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

On Friday, XX/XX/2020, I deposited a check at the Bank of America, with a teller, for {$1000.00} from XXXX XXXX, a national company, into my checking account. Hours later, the bank sent me an email and stated they were holding the funds until XX/XX/2020. I asked the bank to release the hold and they are stating they are unable to verify funds. 

I called the bank, XXXX, who is the bank that XXXX XXXX wrote the check from. They verified the funds and that the check has cleared. They said there was NO reason for Bank of America to hold the funds. Therefore, it is proof that Bank of America never even tried to help me. 

This is wrong and unfair for many reasons. The main reason is that Bank of America accepted my deposit did not mention a hold. If Bank of America would have told me there would be a hold, I could have cancelled the deposit and cashed the check at XXXX, the bank the check was written off of. 

To clarify, Bank of America took my deposit. 
They did NOT tell me of any hold. 
Hours later, I get an email that the check is on hold until XX/XX/XXXX. 
The exec office said they will keep it on hold. 

This is wrong in so many ways and I hope you can assist. They are doing people so wrong and causing severe financial hardships. The executive management can't possibly realize how bad they are hurting their customers and if they don't know, I hope they fix it. The customer should be given an option of a hold at the time of the deposit so the customer can make a decision whether to keep it on hold or cancel the deposit and go cash it at the other bank.
Consumer complaint received 2020-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A. (DE)

I have a PNC Visa Signature Credit Card with PNC Bank, where I have all of my banking accounts. My PNC Credit Card is set to autopay from my PNC Checking Account every month on the XXXX. The final payment made was on XX/XX/XXXX. PNC stopped auto-paying the PNC Credit Card, and the payment was late for XX/XX/XXXX and XX/XX/XXXX. I was not notified that the autopay ended or would expire. I became aware of this when PNC emailed me on XX/XX/XXXX that the due date for their credit card had passed and they applied a late fee the day before on XX/XX/XXXX. ( A search of my email shows that they also emailed me on XX/XX/XXXX, telling me that my payment was late [ because of PNC ], in that case they applied a late fee on XX/XX/XXXX ). My checking account holds approximately 250 times more assets than than charges on my credit card, so I have the ability to pay. To my knowledge, I have never had a late fee or had one waived. 

I called PNC to resolve the issue. I was informed by XXXX that it would take 3 months to restore autopay and that she could only waive one late fee every 12 months, and so she could not waive both late fees. XXXX told me this was a new company wide policy that had been handed down by the responsible company officer, and that even her superior could not make an exception. I made it clear that both fees were incurred because PNC Bank stopped auto-paying my PNC credit card. This did not matter to XXXX and PNC -- their failure to use PNC bank accounts to pay PNC credit card means that I'm stuck with late fees I would never have incurred. 

Personally, I want both of the late fees waived. My bank has access to my funds and auto-pays the credit card they control ; they decided to stop auto-paying, and did not notify me of this or of a possible auto-pay expiration. They started charging me late fees and sending me notices after the fact. The bank also says I am stuck with these late fees, because they failed to make the payment to themselves and they will no longer waive late fees at all. 

Broadly, I am concerned this is possible actionable chicanery. At the least, this is bad faith and immoral. On a national scale, this would amount to a huge addition to the bank 's books and a fraud upon its customers. It seems a lot like a trap, intentional or not.
Consumer complaint received 2020-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

Unable to manage/change information on Experian companies website, unable to reach a human person for help to mange/change information. They have completely and totally blocked the ability to : reach a person for help, offer help in any way, can not view or change information using website. No other company has been this much trouble. XXXX  and Experian both had manageable websites and phone numbers.
Consumer complaint received 2020-11-23
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. (NY)

Today on Monday XX/XX/23 at XXXX XXXX  I contacted Equifax to speak about fraud on my credit report, and been transferred over 5 times to the wrong department on a 12 minute call. It sounded like i was being transferred over to 2 different people back & forth which then ended in the representative ending my call.
Consumer complaint received 2020-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Onity Group Inc. (NY)

During XXXX I had a family emergency. As my brother was hospitalized and in a XXXX. I reached out to PHH mortgage and explained the situation with an account specialist and paid {$1000.00}. Some to carry over to XXXX. Upon this we made an agreement about payment option due to lack of work. ( On our mortgage agreement both my fiance and I are account holder. ) In XXXX we had another conversation about catching up in the month of XXXX. XX/XX/XXXX we made a payment of {$1500.00}. XX/XX/XXXX PHH stated my mortgage went up {$630.00}. I called and found out they wrongly placed our XXXX payment elsewhere. After 2 phone calls with 2 different agents they " found '' it. On our call the agents both admitted they reported it wrong to the credit agencies Which brought our account in good standing. My credit has dropped 156 points due to " XXXX '' being 30 days late. Which it was not. I have asked them to correct this. It has all been one big mess and now my credit is the one being hurt
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

As per the guidance from The Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me do to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX- Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX And would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 

XXXX XXXX Balance {$1500.00} Account # XXXX XXXX Balance {$2500.00} Account # XXXX  XXXX XXXX Balance {$2800.00} Account # XXXX XXXX XXXX  Balance {$3100.00} Account # XXXX XXXX XXXX  Balance {$540.00} Account # XXXX XXXX XXXX  Balance {$13000.00} Account # XXXX XXXX XXXX  Balance {$11000.00} Account # XXXX XXXX. XXXX XXXX XXXX {$2000.00} Account # XXXX XXXX. XXXX  XXXX XXXX {$200000.00} Account # XXXX XXXX. XXXX XXXX {$1300.00} Account # XXXX XXXX XXXX  Balance {$15000.00} Account # XXXX XXXXXXXX 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
Consumer complaint received 2020-11-23
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP (MI)

XX/XX/2020 I received an unsolicited USBank ReliaCard ( VISA  debit card ) in the mail with a welcome message asking me to activate this new card. I am not unemployed and did not apply for any unemployment benefits. I tried to call USBank twice today ( XXXX20 ) but I could not get through to anyone without first activating the card which I will not do. Nor will I give them my SS number in order to speak with someone. Someone may have fraudulently applied for unemployment benefits using my identity. I don't know of any other way to resolve this issue than to start with the bank that is issuing this debit card.
Consumer complaint received 2020-11-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

I was charged a foreign transaction fee on my Citi Double Cash credit card of {$63.00} on XX/XX/2020 for a successfully disputed transaction. Despite over 5 attempts to get my account credited over phone, chat, the bank simple wont process the fee reversal despite it being approved per multiple agents. As it has been over four months since the fee was charged, I have no choice but to file a formal complaint at this time.
Consumer complaint received 2020-11-23
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NH)

On XX/XX/XXXX, I deposited a check for {$2100.00} ( dated for XX/XX/XXXX ) from Loancare LLC after calling their company to verify that this check was ours to cash. The specialist assured me it was after looking into my account. On XX/XX/XXXX, they put a stop payment on this check without notifying me of this development. On the same day that they had done so, I sold my car and had intended to use that balance to pay off the remainder of the auto loan to eliminate a monthly payment for a vehicle I no longer needed due to my company going mobile during the ongoing COVID-19 security measures. 

I had taken time off of work to do this and ended up having to place this charge on a credit card, which I did not want to do due to the accruing interest on such a large purchase. When I called my bank, they said there was a stop payment on the check. When I called Loancare LLC, they said they had no record of this stop payment and requested time to look into it. I followed up with them via email and on a phone call on XX/XX/XXXX, and I was informed that they would cut a new check. I received an email on XX/XX/XXXX assuring me that check was overnighted to my address. 

I called again on XX/XX/XXXX to get a tracking number for this check and never received a call back with this information. On XX/XX/XXXX, I emailed them for this tracking number as I still did not have the check in question. I received only a generic response email saying the issue was resolved. On XX/XX/XXXX, I emailed again to insist it was not resolved and demand the tracking number with the same generic response. 

This refund was originally due to a duplicated escrow deposit from when this loan was opened that should have gone to the original loan holder and instead was sent to us. Loancare LLC has not taken responsibility for the debts incurred as a result of this to date on XX/XX/XXXX. They have offered a deferment with the same empty reassurances shown in the course of this situation that can clearly be altered to suit the company 's goals at any given time, and I obviously have no faith in these " solutions ''.
Consumer complaint received 2020-11-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (OH)

Paid XXXX XXXX XXXX for a loan modification. He constantly called and asked for money to be sent to him through XXXX XXXX and through gift cards. XXXX XXXX claimed he worked for the underwriting department of PHH. XXXX started out by asking for XXXX to lower my mortgage payments since my husband passed away. He continued to call and insist that I purchase gift cards from XXXX and send him the payments over the phone. Enough is enough I finally call the Police and made a police report.
Consumer complaint received 2020-11-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (MA)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$130000.00}
Consumer complaint received 2020-11-23
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: EQUIFAX, INC. (FL)

I have two charges on my credit card from Equifax. I called them and was told only one charge is coming through from Equifax when my credit card shows two charges. Equifax only sees one. I spoke to the bank and they told me to call Equifax.
Consumer complaint received 2020-11-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (PA)

I received a notice of debt from Convergant on XXXX XX/XX/2020, The lettter was Dated XX/XX/2020 on XX/XX/2020 I sent a certified letter via USPS notifying Convergent that I want the debt validated not verified. As of this date, I have not received a letter from Convergant acknowledging receipt of that letter. On XX/XX/2020, I called Convergant and asked if they received that letter, they said that they did and sent out a verification of the debt. NOT a Valiudation. Was told by the rep, that since they do not report to the Credit Bureaus, It was my understanding that they did not have to follow FCRA regulations.The collection agency stated they are representing XXXX and that they were not a collection agency If they can not remove the collection from their database.
Consumer complaint received 2020-11-23
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: LEXISNEXIS (CA)

These accounts were disputed with XXXX and XXXX but they have not been removed. These accounts are 100 % fraudulent. 

Account Name XXXX XXXX Account XXXX Account TypeCollection ResponsibilityIndividual Date XXXX Account TypeCollection ResponsibilityIndividual Date XXXX StatusCollection account. {$740.00} past due as of XX/XX/XXXX. 
Status UpdatedMar XXXX Balance {$740.00} Balance XXXX Recent Payment $ 0 Monthly Payment {$0.00} Original Balance {$740.00} Highest Balance {$0.00} Terms1 Months On Record UntilXXXX XXXX Account NameXXXX XXXX XXXX Account XXXX Account TypeCredit card ResponsibilityIndividual Date XXXX StatusAccount charged off. {$1000.00} written off. {$960.00} past due as of XX/XX/XXXX. 
Status UpdatedJun XXXX Balance {$960.00} Balance UpdatedXXXX Recent Payment $ 0 Monthly Payment {$0.00} Credit Limit {$800.00} Highest Balance {$1000.00} TermsNA On Record UntilJul XXXX Account NameXXXX Account XXXX Account TypeCharge Card ResponsibilityIndividual Date XXXX StatusAccount charged off. {$1200.00} written off. {$1200.00} past due as of XX/XX/XXXX. 
Status UpdatedAug XXXX Balance {$1200.00} Balance XXXX Recent Payment $ 0 Monthly Payment {$0.00} XXXX XXXX Highest Balance {$1400.00} TermsNA On Record UntilAug XXXX Account NameXXXX XXXX XXXX XXXX Account XXXX Account TypeUnsecured ResponsibilityIndividual Date XXXX StatusTransferred, closed. {$0.00} written off. 
Status UpdatedJan XXXX Balance- Balance Updated- Recent Payment- Monthly Payment {$0.00} Original Balance {$2500.00} Highest Balance {$0.00} Terms24 Months
Consumer complaint received 2020-11-23
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I have sent several disputes to each of the credit bureaus : Transunion, XXXX, and XXXX. They have yet to send over a single correspondence to me or respond to any of my disputes. I do understand that there is a pandemic going on, but they are still legally required to provide results. They are reporting inaccurate items on my credit file that need to be fixed. The bureaus are required to respond to me!
Consumer complaint received 2020-06-24
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. (OH)

This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report.