davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: PNC Bank N.A. (VA)

I have an ongoing issue with PNC Bank not applying my principle only payments to the principle. Even after a complaint here, which they have not answered, and a complaint to HUD, they continue to misapply my principle only payments and use these payment to pay my mortgage in advance. I bring their errors on my account, to their attention each and every month and they continue to process corrections on the date they make the corrections and not on the date the payments where originally made, which causes the misapplication of accumulating interest. I know full well and PNC Bank knows that they are doing this to me and other consumers, which costs the consumers money and PNC puts that interest in their pockets. This practice warrants a class action law suit which would force PNC to correct their processes and pay back all of the consumers who are being taken advantage of, without their knowledge.
Consumer complaint received 2024-03-26
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: TRANSWORLD SYSTEMS INC (FL)

XX/XX/XXXX entered into a settlement agreement for this loan in the amount of {$24000.00}. 
Around XX/XX/XXXX {$20000.00} was paid and transferred. 
Around end of XXXX XXXX  was paid via cashiers check leaving a balance of {$2500.00}. 

Beginning of XXXX, I became XXXX XXXX XXXX XXXX  several times. I tried to reason with the company XXXX XXXX at that time that the balance was forthcoming. They did not agree and were quite nasty to me and therefore, sued me via law firm XXXX XXXX XXXX i made a settlement plan and paid monthly until XXXX when I was XXXX again. Between the XXXX -collection and law firm they also captured around {$7000.00} of federal tax returns/refunds from me. 
I have heard nothing from them and the matter has been to my knowledge closed and settled. Now on XX/XX/XXXX I receive a collection notice from TSI -Transworld systems in the amount of {$28000.00}. 
This amount is not correct and this debt has been paid as mentioned above. Furthermore, they have sent the info to a wrong address. As far as I'm concerned the {$28000.00} PLUS that they have received satisfies this debt. If they disagree I want a full account audit of ALL of the funds that I Paid XXXX XXXX, XXXX XXXX XXXX XXXX and the amount they garnished and captured from my tax return refunds! 

This is predatory and outrageous! And why the nearly 10 year gap of communication!
Consumer complaint received 2024-03-26
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Upstart Holdings, Inc. (GA)

i requested a loane in the amount of XXXX. I paid the first several payments, and it was on auto pay. At some point, they stopped receiving my auto pay even though I did not ask them to. And I was not notified that it was in collections. Now I have received a notice from my court from a different company and I was not aware that my dad had been sold or that it was in collections. also at this time of the loan and during the part where they apparently sold it to the collection agency I was on short term and long-term XXXX from a major back XXXX. I have now been notified that I owe {$4400.00} and I never received any communications about this.
Consumer complaint received 2024-04-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (CA)

My wallet was stolen summer of 2018 with my identification card, social security card and debit cards. I recently took interest in my credit, because I found out how important it is for your credit score, and your credit to be good in order to buy a house and I notice all types of collections on my account that I have no knowledge of after reviewing my credit report
Consumer complaint received 2023-10-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FinCo Services Inc DBA Current (VA)

This company is refusing to give me my money and refusing to reopen my account I have contacted them everyday and they refuse to respond to me or give me insight on my funds they need to unlock my account immediately and let me withdraw my money my phone is XXXX last four of ssn XXXX XXXX XXXX
Consumer complaint received 2018-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (OH)

To whomever you may be on the other end of this correspondence, .. 
thank you for your time and help, I never received the XXXX, XXXX XXXX XXXX statement showing a payment due. 

-We have not been 30 days late on a credit card in several years ( 5-10 years+ ) -On XXXX XXXX Target  XXXX XXXX " collections dept . '' contacted me in regards to my payment being 30 days past due, actually 38 days past due by the time they first contacted me. 

-I immediately paid the balance {$110.00} -They then contacted me AGAIN in regards to the same balance amount on XX/XX/18 -I paid the balance again. 
-This resulted in an over payment and a refund from them. 

-I disputed their reporting this 30 day late to the credit bureaus & directly with them. 
They said their records are accurate but clearly they are not and this is proven by their double collection of the same payment. 
-The statement was never received otherwise this small store credit card would have been paid. This is their error and it is greatly effecting my credit score. 

-- It is having a direct impact on our financing options and intrest rate on the purchase of a home and the intrest rate of that 30 year mortgage.
Consumer complaint received 2023-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights : XXXX- # XXXX - {$730.00} XXXX XXXX - # XXXX - {$2300.00} XXXX XXXX XXXX - # XXXX - {$3500.00} XXXX XXXX - # XXXX {$3500.00} XXXX- # XXXX - {$1800.00} XXXX # XXXX - Bankruptcy XXXX  XXXX Bankruptcy- Reference # XXXX 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
Consumer complaint received 2023-10-18
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: EQUIFAX, INC. (PA)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (FL)

I call discover credit card to setup for me payment plan because I had hard time to make a payment they doesnt offer any plan to me work, just offer plan to pay interset without principle which will be just same as I had already now So I found them they cancel my credit card and send to collection company I am never miss a payment all my life I feeling I had Racial discrimination throw their agent I call and I need them to check this call
Consumer complaint received 2017-12-20
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rent Recovery Solutions (NC)

XXXX Rent Recovery I contacted the company and spoke with a XXXX and she was not accurate with her information. She said the information was valid and I ask her if the debt is collected will it stop reporting to my credit bureau. She informed me that they will keep reporting to the credit bureau. I proceeding to ask her if the debt is settled why is it still reporting to the bureaus. She proceeded to get nasty and unprofessional and kept asking for the debt to be collected. This my second complaint against this company the business practices are very unprofessional and information is always misconstrued.
Consumer complaint received 2024-04-03
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: EQUIFAX, INC. (IL)

XXXXXXXX XXXX is reporting my account with them as late for the passed 4 months- disputed with all the reporting agencies all come back as verified when I sent clear evidence there was a mistake - XXXX XXXX has tried summiting the proper information to the agencies and but they are still reporting wrong information on my report.
Consumer complaint received 2024-04-03
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: EQUIFAX, INC. (IL)

Subject : Notice of Dispute - XXXX XXXX XXXX XXXXXXXX To Whom it may concern, I am writing to express my profound dissatisfaction and apprehension regarding the handling of the reporting concerning the account XXXX XXXX XXXX XXXXXXXX on my credit report. Upon careful examination, it has come to my attention that there are egregious violations of the Fair Credit Reporting Act ( FCRA ) associated with this account. Consequently, I am demanding immediate action to address and rectify these issues. 

Specifically, I hereby formally request a thorough debt validation, encompassing the following details : Original Contract : Furnish a comprehensive copy of the original contract between the purported creditor and myself pertaining to the account XXXX XXXX XXXX XXXXXXXX. 

Original Creditor : Clearly disclose the name and contact details of the original creditor linked to this account. 

Original Open Date : Provide the precise date on which the account XXXX XXXX XXXX XXXX was initially established. 

Date of Last Payment : Specify the exact date of the most recent payment made in connection to this account. 

Date Account Was Closed : Indicate the date on which the account XXXX XXXX XXXX XXXX was officially closed. 

I am fully cognizant of my rights under the FCRA, and it is evident that XXXX has failed in its duty to ensure the accuracy and validity of the information it reports. I insist upon a prompt response and resolution to this matter. 

Failure to comply with this request within [ 15 days ] from the date of this correspondence will leave me with no recourse but to pursue legal action to uphold my rights under the FCRA. Please regard this as formal notice of my intention to take such action. 

I anticipate a timely response, accompanied by the requested documentation, to be transmitted through the CFPB portal. Furthermore, please ensure that any amendments made to my credit report are promptly reflected.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2024-04-05
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: EQUIFAX, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX Balance : {$35000.00} XXXX XXXX XXXX XXXX Balance : {$5200.00} XXXX XXXX XXXX XXXX Balance : {$5600.00} XXXX XXXX  XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXXXXXX XXXX Balance : {$120.00} XXXX XXXX XXXXXXXX XXXX Balance : {$6600.00} XXXX XXXX XXXXXXXX XXXX Balance : {$7500.00} XXXX XXXX  XXXX XXXX Balance : {$6100.00} XXXX XXXX XXXXXXXX XXXX Balance : {$1900.00} XXXXXXXX XXXX  XXXX XXXX XXXX XXXX : {$4800.00} XXXX  XXXX Balance : {$11000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX  ) XXXX Balance XXXX {$5600.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$300.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX ( Original creditor : XXXX ) Balance : {$540.00}
Consumer complaint received 2023-05-08
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial (WA)

I borrowed {$600.00} from spotloan around XXXX time of XXXX. After receiving the {$600.00} from spotloan the interest went up tremendously and spotloan wanted me to the in XXXX months. Each month the payment was {$280.00} and when I asked the spotloan people they told me that the interest rate was 400 %. I asked how come that borrowed {$600.00} and now I have over {$2000.00} dollars for this loan?. There was no explanation what so ever. The money was taken from my account XXXX times and I didn't get any explanation, I stopped the payment because I believe that I have already paid. Please help to stop this kind of illegal practice from this company. 
I
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX
Consumer complaint received 2024-04-03
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: EQUIFAX, INC. (TX)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2023-05-08
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: Affirm Holdings, Inc (IL)

I have reached out to Affirm on several occasions to have them provide a physical contract with my signature on it of XXXX derogatory debts that appear on my credit report. They have failed to respond to my letters. By law, they must provide a physical contract with my signature on it or remove it from my credit report.
Consumer complaint received 2023-07-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (TX)

I have sent a couple letters telling Nelnet that since I am unable to use my XXXX XXXX XXXX to pay for XXXX XXXX XXXX XXXX XXXX XXXX XXXX  course that this loan should be forgiven since I have been in deferments and consolidation long before any deadlines also my loan is over XXXX XXXX XXXX, it was taken out XXXX of 1998. I have not received any information after repeated attempts. Respectfully
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (PA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2024-03-23
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (FL)

To date, I have received notice from PayPal 's consumer credit services that they are implementing a {$1.00} per month junk fee to provide paper bills to customers. This fee has not yet posted to my next billing cycle ; however, given the power that credit service providers have over credit reporting, and the control they have over the access to and format of electronic billing, customers should be entitled to receive paper bills as a consumer protection without being charged a fee.

I am submitting this complaint in part for the practice itself as far as PayPal is concerned but additionally as this action comes right before the FTC ruling regarding prohibition of junk fees so that the information might potentially be included in that decision making process.
Consumer complaint received 2024-04-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I've consistently made sure payments on this account are prompt, avoiding any instances of lateness. I find myself uncertain regarding the basis for late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2023-09-29
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc. (TX)

Nelnet is unresponsive. My repayments are scheduled to start in XXXX, but the payment of {$5600.00} per month is impossible for me to pay. I've tried to apply for an alternative repayment plan ( XXXX or XXXX ), but Nelnet will not respond. It has been several weeks. I uploaded financial documents and email them often, but no response. Also, I'm concerned because Nelnet has not factored in the years of payments I've already paid. All of the plans lost 25 years of repayment.
Consumer complaint received 2024-04-10
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. (TX)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: FIFTH THIRD FINANCIAL CORPORATION (CA)

My mortgage loan got transferred to a new servicer, Fifth Third Bank. I tried multiple times to create an online account so that I could pay my mortgage. Each time, the portal said " unable to create online account. '' I tried calling the bank to resolve the issue, but they keep mentioning that I need to wait longer. It has been over a month since the transfer and I am still unable to create the account so that I can pay them properly.