davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (CA)

A debt was owed to XXXX XXXX  Credit card, TSI took over the collection and initiated the garnishment on my checks of 15 percent per check, and I get paid weekly. At the end of XXXX out the debt, the total amount garnished was at {$5800.00}, what was owed at its highest point was at {$4100.00}. Called TSI, they stated what was owed was about {$5600.00}, however, I have an itemized spread sheet from XXXX XXXX credit, and it shows line by line of how much it was til XXXX. When I spoke to XXXXSI they didn't know how much I paid in, they only could see what was the last payment, seems a bit odd that they would not know how much i paid in. I do not not want to accused anyone for sure, however, no one on the phone can explain where the rest of the money went. My pay stubs keeps track of how much was garnished, and the total amount was at XXXX. Numbers are not adding up a major discrepancy has happen and no one can explain. Two things has happen, ( 1 ) I misunderstood the numbers or ( 2 ) someone took advantage of the checks coming in and didnt apply it to my account and kept it for themselves.
Consumer complaint received 2024-01-11
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NE)

I regrettably took a debt consolidation loan from XXXX. I had great credit and never missed a payment. Since XXXX is involved it has been nothing short of a nightmare. There are two creditors I am now having serious problems with. One is Best Buy. Never late or missed a payment. XXXX gave me some cashiers checks to pay creditors. I took one to Best Buy store at XXXX and XXXX XXXX, XXXX, Nebraska and handed it directly to customer service. I received a receipt paid in full. Best Buy is steadily harassing me wanting more money. I went to XXXX and they called CitiBank and tried to straighten it out. After standing there for about an hour right before XXXX and XXXX giving me a copy of cashiers check that cleared XXXX, I left hoping all is well. Turns out all is not well. I am still getting harassing calls demanding payment. I received them all through XXXX and XXXX XXXX. Got one yesterday on the way to work. Apparently after check cleared XXXX Best Buy reversed payment. How or better yet why did this happen? XXXX is tired of dealing with it and won't respond to me anymore. What am I to do? I did nothing wrong. But it is my credit that takes a hit. Also XXXX was supposed to XXXX XXXX XXXX directly. I gave them address. This did not happen either. I think XXXX is being XXXX XXXX XXXX XXXX  XXXX XXXX still hasn't been paid. I also sent a payment of {$540.00} to USBank from wells XXXX on XXXX and on XXXX still no posting to account. Guess I will take a hit on that to. Everything was great until XXXX is involved. Where can I turn for help.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Exeter Finance, LLC. (GA)

theres 10 unauthorized hard inquiries on my credit report & I would like them to go ahead have them removed immediately the following companies are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXETER FINANCE LLCXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
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: PNC Bank N.A. (TX)

PNC Bank acquired my home equity loan with the purchase of Compass Bank in 2022. The amount of delinquent mortgage payments are excessive. The bank is asking me to make payment on a lump sum amount with no explanation on origin of the amount. I asked the bank to validate the delinquent amount in relation to number of delinquent monthly payments showing dates of individual delinquent monthly payments with interest, late fees, and other fees. The bank refused to validate the delinquent balance and simply stated in its response to my request " that the loan is valid. '' The amount of the delinquent amount requested by PNC Bank is {$150000.00}, with no explanation on how it derived the delinquent amount. This amount equates to over XXXX XXXX  of delinquent mortgage payments.
Consumer complaint received 2024-05-09
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: SIMM Associates, Inc. (MD)

I received in the mail a letter from SIMM Associates XXXX XXXX dated XX/XX/2024 stating that my XXXX XXXX XXXX  account is delinquent and that I owe {$7800.00} now. Different methods for sending in payments are included : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The letter also provides XXXX to learn more about my rights under the federal government. Because the website provided is credible, it makes the letter appear credible. 

I contacted XXXX and was told my account is not delinquent.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

Per 15 USC 1681 ( c ) ( 2 ), BLOCK OF INFORMATION RESULTING FROM IDENTITY THEFT - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. 

Unfortunately, my personal identifiable information was compromised and used to open a fraudulent credit card account. I was a victim of Identity Theft. I am attaching my FTC Identity Theft Report # XXXX to have this account removed from my credit file by this Creditor. Also, There are 2 addresses on my credit file that I do not recognize and they need to removed too. ( XXXX XXXX XXXX XXXX XXXX, MD XXXX and XXXXXXXX XXXX XXXX XXXX  MD ) These accounts need to be removed immediately.
Consumer complaint received 2024-01-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Selene Holdings LLC (MN)

Selene Finance Mortgage XXXX statement shows an unapplied payment balance with the stipulation written on their statement saying that if the total mortgage payment is paid in full that any unapplied payments will apply to the mortgage. This overpayment was made in XXXX and it is now XXXX with no application of the unapplied funds. This should have been applied directly to the principal amount in XXXX, according to the written terms statement of unapplied funds. The amount of interest accumulated on the loan because of the unapplied payment is the huge issue with it not being applied like it was supposed to be.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Advance America, Cash Advance Centers, Inc. (LA)

I recently reviewed my credit report where I discovered that Advance America ( XXXX ) ( account opened XXXX ) notated an account as Charge off /Collections on my profile. It was never disclosed to me upon our agreement that I had the right to opt in or opt out of my personal information being shared with a third party. In pursuant to title 15 U.S.C. 1681b ( a ) ( 2 ) any information placed on my Consumer report should be based in accordance to my written instructions. In pursuant to title 15 U.S.C. 1681c ( 4 ) No charge off /Collection should be listed on a consumer report without written consent and an adequate notice antedating 7 years.
Consumer complaint received 2024-01-11
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rozlin Financial Group, Inc. (GA)

I filled out a form from the company stating that I did not open a loan for school because I was not in the state they confirm I was living in and I had no recollection of them or their school. They approved and sent over a letter stating they are no longer asking for me to pay and it should fall off my credit report in 5-10 business days. It did not. I disputed it with XXXX XXXX and they did nothing about it. I have the letter for proof so the collection can fall off
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I contacted the CEO of XXXX someone called me stating the loans were with the department of education. I callled the department of education and they said the loans were discharged out of their system. Its XXXX thats violating the FCRA
Consumer complaint received 2024-01-11
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: CURO Intermediate Holdings (MS)

I wrote a check on XX/XX/XXXX. The check cleared the bank on XX/XX/XXXX with a different account number on it. That someone there marked out and put a new account number on it. They have reported on my credit that I didn't make that payment I wrote another check on XX/XX/XXXX and I put it in the local post office that the should have got on the XXXX or XXXX of XXXX. There was a letter in with this check stating what has happened and I give them 7 days to find and fix the problem or I would start filling complaints. This will not be the only complaint I file. What they are doing is wrong and some one will answer for what is happening before I stay and this will be remoy off my credit.
Consumer complaint received 2023-08-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted a dispute requesting proof of debt on XX/XX/XXXX and XX/XX/XXXX of 2023 and have not received validation of the debt from XXXX and Transunion.
Consumer complaint received 2024-01-10
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (NY)

I used a Pep Boys credit card that offered an interest-free payment program for one year if the promotional balance was paid off at that time. I did not say the entire purchase price just the promotional balance had to be paid off. ( {$990.00} ) vs. ( {$1500.00}. ) Once I paid the promotional fee I began paying only the minimum amount each month. This month I was hit with an interest fee of ( {$400.00} ) and am now told I had to pay the full balance and not just the promotional amount. That was never told or explained to me. I would have paid the entire balance if I knew that fact and would not have continued to make charges on the account. 
Pep Boys account XXXX underwritten by Synchrony Bank .
Consumer complaint received 2024-05-09
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: MIDFIRST BANK (MI)

We were first presented with an opportunity to ease the financial burden of paying our mortgage by researching the CARES act. XXXX XXXX, our mortgagor at the time, had a loan forbearance program that helped us pause payments on our mortgage temporarily. 
This provided great financial relief to our family since my wife was unemployed during most of the pandemic. 
We continued our forbearance until XX/XX/XXXX, thats when we contacted XXXX XXXX and they had us complete a Mortgage Assistance Application. We completed the application as instructed, because we were under the impression that the amount owed from the forbearance would be added to the backend of our mortgage, so that our payments didnt go up or we wouldnt have to pay back {$40000.00} all at once. We continued calling and following up with XXXX XXXX, but we never got an answer of where we were in the process. It got to the point where our credit score was affected negatively. In XXXX, XXXX, and XXXX of XXXX we started to make our regular payments so as not to have any more bad remarks added to our credit scores. At the end of XX/XX/XXXX, we were contacted by XXXX XXXX and after explaining our situation they suggested we complete a loan modification. During the modification we were instructed to make partial payments until it was completed. We kept making the partial payments until XX/XX/XXXX, which is also when our mortgage was sold to Midland Mortgage. We contacted Midland who said that they had no idea we were in the middle of a modification, so they offered to start the loan modification process all over again for us. It wasnt until XX/XX/XXXX that the modification process was completed, and we would resume making regular payments. We are currently making are monthly mortgage payments without issue. It wasn't until we had a financial advisor look into our modification terms that he stated we may have been taken advantage of. We had a junior lien backed by HUD placed on our home for over {$100000.00}. On top of that our interest rate was raised to 7.25 from 5.135 %, the term of our loan went from XXXX years to XXXX years! and our payment was only reduced by around {$40.00}. We were taken advantage of as we were made to feel like this was the only solution opposed to selling our home. The other issue is that even though we agreed to the covid-19 forbearance terms, and made low payments as instructed during our loan modification we still received negative remarks for missed payments on me and my wife 's credit reports. We tried several times to dispute the remarks, but we keep getting the same answer that the reporting is correct, and we could dispute again. We literally feel like we are getting no help.
Consumer complaint received 2024-01-10
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FIRST NATIONAL BANK OF OMAHA (FL)

I applied for the XXXX XXXX Credit Card issued through XXXX on XX/XX/XXXX. Due to a fraud alert on my credit file, XXXX reached out to my to further process the application on XX/XX/XXXX. I verified that I had done the application and I was told everything was good to go to further process the application for an approval or denial. Later on XX/XX/XXXX, I received an email saying I was approved for the card. On XX/XX/XXXX, the fraud and review team reached out to me and stated that they couldn't verify my identity and that I needed to pay for and send notarized documents in so that they can remove the hold off of my account for ID verification. I had advised the agent that I spoke to someone and they had already verified my information with questions and calling my number that's on my fraud alert. The agent told me that I would still need to send in the notarized documents as an added security for the account. I send in the documents twice ; once on XX/XX/XXXX and again on XX/XX/XXXX because I was told the first set wasn't received. On the call with an agent from the fraud and review team I was told that there were XXXX notarized documents in front of mine and everything would be reviewed in the order received that day. I was told to call back at the end of the day. After XXXX days of getting the runaround in regards to my documents I call today on XX/XX/XXXX and ask what's going on with everything. I was told by an agent that my account was closed because I was considered a high risk and they felt I would do fraud on it. This is so frustrating because I was told that once my notarized documents were reviewed, the account would be good to go. That was so far from the truth. My next question is if you all thought I would do fraud/ was high risk ; why have me pay all this money to send in notarized documents and then continually dismiss me when I ask that. I want the money I paid for the notarized documents back and I also want the information for the legal department because I am getting my lawyer involved. I have done absolutely nothing for an agent at a company to tell me they suspect I'll do fraud and I'm high risk. I've never done fraud before ; so outside of me being XXXX and having a XXXX XXXX XXXX, what would cause XXXX XXXX say such a disgusting statement.
Consumer complaint received 2024-05-09
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (MS)

Apple XXXX was hacked and my Apple Card alone I have had since XXXX and I have not been able to access or receive statements because my phone was hacked. Each time I have tried, XX/XX/XXXX and henceforth till XX/XX/XXXX I have run into difficulty and presently still unable to use the card. The phone number XXXX and email address XXXX unable to use. The Apple sources are not friendly, I go to the Apple Store in XXXX, XXXX at least monthly and in XXXX I went each week, and have not receive the help I really need. I'm just an after thought and I need some assistant, My card is paid off but on the phone whomever still had access to my XXXX, XXXX, XXXX XXXX which I had to closed the account which showed my card was paid of and they some how they reversed the charging my account. Thank you for your assistance.
Consumer complaint received 2024-01-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: HUNTINGTON NATIONAL BANK, THE (CA)

in XXXX and XX/XX/2023, I made 2 payments to XXXX XXXX for {$2500.00} each from Bill pay. I inserted her routing number and account number to get her paid. I thought she was paid but she never received the payments. In fact, her payments went to a completely different bank and account number. This happened also to my payments to XXXX XXXX. Again a different account and bank than what I entered. 

I told Huntington about the problem and they cursory said it went were it was supposed to go when it did not. I want the money back now.

I again spoke to Huntington and they said that something was changed in the online bill pay in XXXX. I did not change anything so they froze my accounts without my knowledge or consent which wreaked havoc on my business. I want those funds returned immediatlely.
Consumer complaint received 2024-05-09
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am writing to dispute the late payment entries on my Capital One credit card account, as reported on my credit report. The details of the account in question are as follows : Creditor : Capital One Account Number : XXXX XXXX : Account Type : Revolving account Account Status : Open Monthly Payment : {$200.00} Date Opened : XX/XX/XXXX Balance : {$4900.00} High Credit : {$5000.00} XXXX XXXX : {$4500.00} Payment Status : Paid or paying as agreed Last Reported : XX/XX/XXXX XXXX : Account Type : Credit Card Account Status : Open Monthly Payment : {$200.00} Date Opened : XX/XX/XXXX Balance : {$4900.00} High Credit : {$5000.00} XXXX XXXX : {$4500.00} Payment Status : Current, was past due 90 days Last Reported : XX/XX/XXXX XXXX : Account Type : Revolving Account Status : Open Monthly Payment : {$200.00} Date Opened : XX/XX/XXXX Balance : {$4900.00} High Credit : {$5000.00} XXXX XXXX : {$4500.00} Payment Status : Pays account as agreed Last Reported : XX/XX/XXXX I acknowledge that there were late payments on my Capital One credit card account in the past. However, I want to bring to your attention that I have since caught up on all payments and have not missed any payments thereafter. 

I take my financial responsibilities seriously, and I have made significant efforts to rectify any past delinquencies. I have established a consistent payment schedule and have been diligently making payments on time to maintain a positive credit history. 

Please investigate this dispute and provide me with written documentation of the results. I appreciate your attention to this request and look forward to a prompt resolution.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I am writing to bring to your attention a serious matter regarding the unauthorized furnishing of my Equifax consumer report without a permissible purpose, which is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i ) ].

You furnished to my consumer report without obtaining the necessary certification of permissible purpose or legitimate business reason as required by FCRA section 604 ( a ) ( 3 ) and FCRA section 604 ( f ). This action is in direct violation of the FCRA, which mandates that consumer reports should only be furnished for purposes authorized under the law.
Consumer complaint received 2022-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I have reached out to both Equifax and the Collection agency Named XXXX XXXX XXXX regarding this account. I have asked them to validate this debt. This account is unverifiable not listing the original creditor for me to investigate and is also falsely reporting inaccurate information such as XXXX is reporting a date of last activity as XX/XX/XXXX while Equifax is reporting a date of last activity as XX/XX/XXXX. In the payment history, XXXX continues to report this account as a charged off account, while Equifax is reporting " OK '' payment history on this account up to XX/XX/XXXX late 120 days. I don't even recognize this account and its erroneous reporting is damaging my ability to get credit needed. Please investigate and have this account removed immediately