davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-04
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (OH)

I have had a home equity loan with the lender since XXXX. During that time, I regularly made additional payments ( XXXX payments a month ). I had about 2 years in additional payments that had been made, understanding that these additional payments advanced my payment due date. When making a payment, the only options are " regular payment '' or " apply to principal ''. These additional payments were all marked as regular payments Paragraph 8 of my agreement says, " All regular payments will be applied to the satisfaction of scheduled payments in the order in which they become due. '' Despite this, the lender decided that they were " changing the policy '' and ending that ability. Now, a payment is required every month, regardless of whether XXXX payments were made in the previous month. This is not something to which I agreed. They are referring to these additional payments as " prepayments ''. But that is not what they are. A prepayment is when one pays a substantial amount at once -- which I sometimes also did. 

I have never missed a payment, but I make these additional payments in case of an emergency when I would not be able to make a payment ( a catastrophic illness, job loss etc. ) But PNC wants to be able to collect late fees. They insist they can change the terms of my contract at will -- though there is nothing in my contract that makes such a claim. Indeed, if there were, I would have gone to another lender. 

When I called about the issue, it took speaking to XXXX different people, over the course of XXXX days -- they had to call me back instead of transferring me to a manager. They refused to be of any assistance, treated me as if I were ignorant ( " We sent you a letter of the change '' -- as if that is enough to alter a contract ). The last person told me I would have to show where in my contract is says they CAN NOT change the terms of the agreement without my consent -- as if contracts are only binding if it says terms can not be altered.
Consumer complaint received 2024-06-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IN)

I am the victim of identity theft an account was opened with USAA using my personal information. I did not authorize the account, nor my information to be used for the account. I did not receive any services or benefit from this account. My XXXX XXXX XXXX XXXX  sent a copy of my police report, fraud affidavit, government issued ID, and Limited Power of Attorney authorizing my XXXX Identity Protaction XXXX  to discuss the account on my behalf to USAA on XX/XX/year>2024. We had not heard anything back from the fraud department on XX/XX/year>2024, so my XXXX  and myself called USAA to follow up on the investigation. We were advised that they could not even see if an investigation had been completed. A new claim was filed, and the documents were resent to USAA, along with a request for the following information : Application records or screen prints of internet/phone applications o Statements/invoices o Payment/charge slips o XXXX  summary o Delivery addresses o All records of phone numbers used to activate or access the account o Any other documents associated with the account According to the Fair Credit Reporting Act section 609 ( e ), I am entitled to receive this information within 30 days of the request. On XXXX/2024, I received a letter from USAA declining to provide the requested information.
Consumer complaint received 2024-06-18
Product: Credit 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: JPMORGAN CHASE & CO. (MS)

I have received a bill from XXXX Chase. I have not had or used a Chase card for quite some time. I was charged XXXX for an unknown item, unknown place of purchase, unknow date, unknown quantity of item. I have called several times over the last year. I would be told the charge was cleared, the card canceled. I would ask not to receive any more cards. I have received at least XXXX more cards that I have left in the envelopes unopened.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-13
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc (PA)

I found out about a debt of over {$5000.00} that is supposedly due to a previous landlord on my credit report. I was never notified of this debt. I contacted the collection agency that is listed on my credit report which Hunter Warfield. I spoke to a representative and updated my address. I requested a validation notice to go out to my new address. That was over XXXX months ago and have not received anything. I also went on my old tenant portal and saw the astronomical charges they are claiming I owe, which are completely false. I am absolutely disputing this debt but I have not received anything from the debt collection agency nor have I been able to get a hold of them. These false charges are destroying my credit and causing me major hardship in trying to find proper housing for myself, my children and XXXX  mother.
Consumer complaint received 2024-06-13
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

I was trying to pay my Victoria Secret credit card with my Victoria Secret gift card.I called XXXX and was told I could not use my gift card as payment. When I asked to speak with a supervisor, I was disconnect more than XXXX times over a 2 month period. Thus, interest and late fees occurred. I was told multiple times, that Comenity Bank can not reverse any fees. After much dispute, they finally reversed the fees. However, this is unacceptable practice for customers. Comenity to disconnect customers when we request transfer to a supervisor.
Consumer complaint received 2023-09-26
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Sunset Management, Inc (GA)

I spoke with a representative on XX/XX/XXXX and again on XX/XX/XXXX when I reiterated that I would be making a payment soonest on XXXX. I was asked about making the next payment which was to come due on XX/XX/XXXX and I told the representative that I would be making that payment in exactly 2 weeks from the XX/XX/XXXX in line with my next pay date. The representative informed me that I would need to come in to the office to make that arrengment and I informed her that I understood, but could not give her an exact date/time that I would be able to physically come in to the office. On today, XX/XX/XXXX, I missed a call from the company as I was working and then received a call from a family member later informing me that a representative from the company contacted him and threatened legal action and informing him that my account was 60 days past due l, which is NOT true. I am upset that details of my account were discussed without my authorization with another party especially since I had just spoken to them less than 24 hrs ago. I feel that this was done with spiteful intentions to agitate me.
Consumer complaint received 2024-06-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

I opened a account with 5/3rd bank in XXXX nc the same day I deposited a check for XXXX $ i pulled funds from my XXXX to help with moving expenses and they froze my account funds because a past claim on my XXXX report so they waited until after the account was open and waited 2 days to freeze all funds deposited the check was verified I showed statements Im pretty sure they called as well and there giving me a run a around to release my funds Ive been to the branch 3 times in a week they tell me I can have my funds over the phone so I go into the branch an they call the same number and tell me it has to get approved by there supervisor at a call center me an branch worker waits an waits an then tell me the same line someone has to verify an will call me back they wont release my funds one minute I can then when I get to the branch someone else tells me no from the same department and for me to keep the account they want me to show documentation from XXXX XXXX a bank which Ive never had
Consumer complaint received 2024-06-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (AZ)

XX/XX/year>, I had major fraud with my bank account and while the bank was resolving this fraud situation. another checking and debit card account was activated. I signed in to place my new checking account online with Barclaybank and it blew it out and did not allow it to hold in place of the old card. They kept calling me, could see on my caller id, and as soon as I answered they would hang up. I was consistently calling and checking my account in XXXX and XXXX. I spoke to XXXX separate people, I have witnesses, on XXXX occasions as they told me my payment was NSF. I advised that my accounts with XXXX XXXX XXXXXXXX had fraud on them and that I could not get my new checking account number to stay in the online portal, but that this was not NSF. I made a payment and then they would put it on hold for an extensive amount of time and then credit the payment back. Other payments I was trying to make stated " unable to locate. I was furious since customer service assisted me on XXXX separate occasions and should have made notes. I should have known when I opened this card that they charged me {$29.00}, and I had no idea until I got back from vacation and checked the card, no mailing or communications. My credit line was {$13000.00}. So at the end of XXXX they advised that I was 30 days late even though I was making payments and I was not since my payment was not due until the XXXX of the following month. So since I had a problem in less than 30 days, they banged my credit advising my account was past 30 days. Also, without checking my credit and seeing I have never had a late and my cards all carry high credit limits, they took it upon themselves to reduce my income to an amount that is absurd and reduce my credit line causing me to have a late, which I have disputed because it wasn't over 30 days and due to fraud. Moreover they took my limited down to where it almost put me over my credit limit. They said they would fix this situation but have done nothing. The last person I spoke to advised that this would be taken care of ; however, he just removed the late charge. Made a payment in XXXX after the customer service rep got the new checking account to stick in the portal. I made {$250.00} and another {$350.00}. Now I look and the payment for {$350.00} is on hold for whatever reason. This is the only credit card company I have had major issues with regarding the fraud I encountered. I never received anything in the mail about being late or through my email from them. Once they took my credit line down and charged me with being late, then I did receive a letter, only letter or correspondence from them. I have many cards and all have low balances and high limits. I am so fed up with the deceptive practices of Barclay Bank.
Consumer complaint received 2024-06-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: M&T BANK CORPORATION (NY)

Hi. Today, I received an email notification from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) informing me that I was awarded a total of {$26000.00}, which was allocated to M & T Bank. 
These funds were intended to prevent my home from going into foreclosure, yet M & T Bank attempted to foreclose on my home anyway. 
At the time, I was only delinquent by {$2200.00} on a fixed-rate XXXX XXXX mortgage with a 2 % interest rate and a monthly payment of {$370.00}, while M & T Bank had received over {$12000.00} from XXXX.
Consumer complaint received 2018-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: STERLING JEWELERS, INC. (GA)

Late payments show that company denied payment was late. But show on credit report twice. Public record was off my report for a year, then all of a sudden it appears. Shouldnt be on reports. I have paid off many loans, car loans that proves credit history, that I have not seen since the XX/XX/XXXX. Lots of positive activity has been taken off.Why is this being done? Inquires that I didnt request, is on my report, please remove.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

Despite multiple attempts to address this issue, the late open account persists, which is adversely affecting my creditworthiness and financial standing. 

As previously communicated, the presence of a late open account inaccurately portrays my credit history and could have detrimental effects on my ability to access credit and financial opportunities. I have provided detailed documentation and evidence to support the correction of this inaccuracy, yet it remains unresolved. 

I kindly request an update on the status of my request and urge you to prioritize the correction of this late open account without further delay. Your prompt action is essential in resolving this issue and restoring confidence in the accuracy of my credit report. With this, I am asking for your assistance to correct this account in my credit file : XXXX XXXXXXXX Balance Owed : {$10000.00}.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. ()

My XXXX  card is XXXX, i have closed my credit card of XXXX Bank and paid all the dues but still the Experian and XXXX reports shows that I need to pay pending dues. This is impact my credit score alot where as XXXX has updated it as a closed account. The dues were paid before XXXX months and from last XXXX  months i'm raising disputes to Experian and XXXX but not help.this is effecting my credit score alot. Please find the attached XXXX from my XXXX credit bank in the below.
Consumer complaint received 2024-06-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC (TX)

Dear CFPB Representative, I am writing to file a formal complaint against Sunrise Credit Services and XXXX XXXX for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). The details of my complaint are as follows : Background Information : Account/Reference Number : XXXX Date of Initial Debt Validation Request : XX/XX/2024 Date of Follow-Up Communication : XX/XX/2024 Entities Involved : Sunrise Credit Services, XXXX XXXX XXXX of XXXX XXXX XXXX XX/XX/2024, I sent a formal request for debt validation to Sunrise Credit Services regarding the above-referenced account, in compliance with FDCPA, 15 U.S.C. 1692g ( b ). This statute requires that debt collectors provide debt validation within 30 days of the request and cease collection activities until such validation is provided. Sunrise Credit Services failed to respond within this legally mandated timeframe. 

Following this, on XX/XX/2024, I sent another communication to both Sunrise Credit Services and XXXX XXXX, emphasizing their non-compliance and demanding corrective action. Despite my clear and repeated requests, both companies failed to provide the necessary debt validation. This constitutes a clear violation of FDCPA, 15 U.S.C. 1692g ( b ). 

Additionally, both Sunrise Credit Services and XXXX XXXX have continued to report erroneous information on my credit report, which is a violation of the FCRA. Specifically, 15 U.S.C. 1681i requires credit bureaus to investigate disputed information, and 15 U.S.C. 1681b limits the purposes for which consumer information can be obtained. Their failure to validate the debt and their continued reporting of inaccurate information demonstrate a willful disregard for these statutes. 

XXXX Search Results : I conducted a XXXX search with the State Secretary of Florida, which revealed XXXX debts recorded under my name. This search, authorized under the XXXX XXXX XXXX XXXX XXXX  ), further confirms that the debt in question is not valid and that both companies have likely obtained my personal information illegally. 

Violations : Fair Debt Collection Practices Act ( FDCPA ) : 15 U.S.C. 1692g ( b ) : Failure to provide debt validation within 30 days.

15 U.S.C. 1692e : False or misleading representations.

15 U.S.C. 1692f : Unfair practices.

Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681b : Improper access to consumer information.

15 U.S.C. 1681i : Failure to investigate disputed information.

15 U.S.C. 1681c : Inaccurate information in consumer reports.

15 U.S.C. 1681n : Civil liability for willful noncompliance.

15 U.S.C. 1681o : Civil liability for negligent noncompliance.
Consumer complaint received 2024-06-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Consumer Portfolio Services, Inc. (MN)

In 2018 I filed bankruptcy, during the process I received a call and was threatened not to go through with it. I had a loan with Consumer Portfolio Services who contested the bankruptcy. After the fact, I began experiencing following by strange cars, missing mail, general harasssment tactics. It has escalated to online cyberstalking, contacting employers in attempts to collect debt they know I do not owe contacting landlords. These attempts to collect phantom debt or distabilize my life to where I am back in debt has become a burden on my life. I have reason to believe Consumer Portfolio Services have either employed or hired private investigators and have used that to further smear my name. I owe no debt to this company.
Consumer complaint received 2024-06-19
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (CA)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Garrison Investment Group (FL)

This is the third time I have as Foundation Finance co to reinvestigate the complete and accurancy and they still saying its verified as accurate which everything is wrong from date open to date close and last payment, date open was XX/XX/year> Balance is wrong this account has not been verified and its not accurate. This is violating my rights per 15USC 1681 credit reporting must be true and correct. And according to this law they are suppose to provide me a discription of the investigation according to 15USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 
But they did not do that as well either.

And according to 15 USC 1681 s-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 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. 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 reported in MONTHS REPORTING LATE to be removed 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.

This company 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!

Delete the late payments from my consumer reports.