davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Interest rate
Company: PNC Bank N.A. (PA)

In XXXX of XXXX  I was quoted a rate on my home equity of XXXX on a Friday I picked up a check for {$20000.00} before spending the money my husband called the bank that Saturday and was quoted XXXX the following Monday we spent the money when the first statement came the rate was XXXX the employee who quoted the rate is gone and Pnc Bank  XXXX XXXX XXXX XXXX pa XXXXwill do nothing to help us they admitted the mistake and say the employee is gone I hope they are not working at another bank Pnc Bank really don't care they have done nothing not even a sorry.
Consumer complaint received 2024-06-07
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. (NY)

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 

XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXXXXXX Balance : {$6500.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$20000.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX  XXXX Balance : {$230.00XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-03-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (SC)

they sent me a copy of a statement not contract i don't know if this card was a secure card with a XXXX dollar credit limit and if so why are they trying to collect {$740.00} and only {$39.00} in finance charges many questions why was the card allowed to go over almost double the limit doesn't make since no contract to understand and its been 30 day
Consumer complaint received 2024-03-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

In XXXX  we had setup Bank of America bill pay to automatically send payments from our checking account to our church on a monthly basis in the amount of {$1700.00}. When the end of the year came, the bank sent a statement that showed two payments missing and unpaid. Inquiry with the church showed that the XXXX and XXXX payments never made it to the institution. An investigation from local law enforcement indicated that the checks were likely stolen from mail system and they had noted a link between this likely theft and. 

Upon learning this, we contacted bank of america to request that the original payment be made to the church. Their policy clearly showed that they guaranteed the payments in the event of any issues. 

Needless to say, it has been a year and a half and the bank has not completed the payments ( sighting the " ongoing '' XXXX XXXX XXXX XXXX XXXX ), nor do they provide timely updates without us calling and asking for updates, they have also attempted to close the case files associated with this account. When asked for further escalation and resolution we get the run around. Meanwhile, we had to supplement the {$3400.00} missing from bank of america 's payment and take the hit financially. 

We want bank of america to honor it's guarantee and complete the payment that was requested. Stop putting it on the our back to bear the financial burden.
Consumer complaint received 2023-09-27
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (OK)

My loan transferred from XXXX XXXX to NewRez LLC DBA Shellpoint mortgage on XX/XX/2023. Various transactions were applied upon boarding of the loan with the new servicer that improperly increased the loan balance by a significant amount by misapplying the order of historical payments/paydowns, making improper charges to fees/penalties, and booking payments already taken by the prior servicer.
Consumer complaint received 2023-09-26
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (TN)

I received an email today from Resurgent Capital Services. It stated I was past due on an account from XXXX XXXX. They stated they were. Set contract LVNV Funding LLC to collect on this debt. I've never had an account with XXXX XXXX. I called XXXX XXXX and spent 30 minutes on the phone with them to confirm they have no record of me having an account either. 
So I gave up and called Resurgent despite not wanting to. But the email contained my name and looked genuine. Once on the phone, they told me there is a cease and desist on the account. So I asked why they are contacting me if there is a cease and desist and the lady said I had to give permission to remove it or she couldn't give me any more info. So I said go ahead. At which point she tells me there are two accounts and they are both over XXXX XXXX XXXX. So I hung up since they are zombie accounts and this debt collector should not have been trying to contact me in the first place. 
I believe this debt collector was trying to get me to deactivate an account that they know they can not collect on due to its age. I believe they intentionally sent me wrong information in their email to try and get around the cease and desist. I believe they are using this tactic with lots of customers, too.
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: HEARTLAND PAYMENT SYSTEMS INC (UT)

I asked Global Payments ( globalpay.com ) for access to my credit report. They replied Dear XXXX XXXX : We received your email dated XX/XX/. Global Payments is a provider of payment technology and software solutions in over 100 countries and, for most of our services, we do not maintain a direct relationship with consumers. You can find out more of our products and services on our website : https : //www.globalpayments.com. 

We are not a credit reporting agency. If you are looking to receive a free credit report from a credit reporting agency, you have contacted us in error. If you have a business relationship or account with Global Payments, please provide additional information about your account to enable us to assist you. 
Product name ( s ) that you believe contains your personal information Merchant or Customer ID Regards, Global Payments Privacy Office
Consumer complaint received 2023-04-27
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. (FL)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2024-02-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC (CA)

I have an impound account setup for my mortgage company Flagstar to pay my homeowners insurance. I have 2 separate plans because I live in XXXX California and we all have a separate plan for fire insurance. In 2023 my mortgage company failed to pay my CA fair plan fire policy premium of XXXX dollars and it was cancelled. Then they tried to initiate force insurance and charge me XXXX dollars for it. I received a " final notice '' XXXX of 2023 even through I had already taken the steps to rectify the problem. Now they're trying to charge me XXXX dollars for a lapse in coverage.
Consumer complaint received 2023-12-13
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 am writing to express my deep concern and dissatisfaction with the recent update to my credit report, which I have thoroughly reviewed. Despite receiving an updated copy, I was surprised to discover the same error and inaccuracy that I already raise and dispute to your agency. This situation is particularly troubling for me, as I am currently facing challenges in securing a new line of credit. 

XXXX XXXX
Consumer complaint received 2023-09-26
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: NCB Management Services Inc. (IL)

On XX/XX/XXXX  my friend XXXX Called in around XXXX CTS and spoke with XXXX XXXX regarding my debt. XXXX Failed to get XXXX 's first and last name on that phone call. he went ahead and disclosed details regarding my debt to XXXX with out going through any verification process as to who he may of have been speaking with. Under XXXX XXXX understanding he can disclose my personal information to ANYBODY that has my date of birth ( seems like that may be an oversight in training ). My understanding of the FDCPA is that as debt collectors they are required by federal law to keep my privacy protected and to not disclose my personal info to an unverified party. i feel like they are in direct violation of third party discloser laws, covered under SUB SECTION 805 B of the FDCPA. I feel like they are in Violation of my rights, and i am asking them to Cease Collections on this account immediately and to remove off my credit report, as they are in violation of federal law, and they have failed to keep my rights as a consumer protected.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

XXXX XXXX account number- XXXX I received a copy of my credit report. To my surprise, you are reporting this account incorreclty .This collection account is reporting not only as XXXX but also as past due balance of XXXX. According to the FCRA, I have the right to an accurate credit report please provide me with a copy of accurate credit report please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion
Consumer complaint received 2023-09-26
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. (IL)

I report abuse of trust by a former co-worker in the process of processing the AUTO loan and where they took advantage of my good will and conducted a whole process of strong consultations with different banks and financial companies, through deception, manipulation and tricks. unscrupulous The car process is requested by XXXX XXXX ( XXXX XX/XX/XXXX Utility - Please see attached data / Digital backup ). XXXX XXXX asked me to help accompany her to her office ( XXXX XXXX ) on XX/XX/XXXX, because she was being offered a car and she wanted to know the amount of the monthly payment and financial responsibilities. - First. They checked her credit and her credentials. ( SSN ) And the salesperson who helped her at that time told her that her credit score is incredibly low and that she needed to present a guarantee and contribute a higher premium to the AUTO. Given that the monthly fee would be approximately USD XXXX to XXXX. 

Having this information, XXXX XXXX suggested to the seller that she try my personal credentials ( SSN ) to see the numbers and take advantage of my credit history and see if the monthly payment could be lowered. 

So, $ XXXX was a very heavy amount for her finances. She was looking for an average fee of approximately USD XXXX. 

I acted in good faith and with the healthy intention that we would try the alternatives and that she would make the best financial decision for her budget. She and the sales associate assured me that only 1 inquiry would be made to the credit bureau and that it would be smooth. And it would not affect my score in the slightest. situation, which is NOT true at all. 

At no time do I request and/or provide my authorization for multiple inquiries to be made for credit validation and I NEVER request to be the main debtor and/or co-debtor in this credit process. 

Here, the deceived, used and useful fool has been my person. And I was almost scammed, due to this bad practice and abuse of trust from my former co-worker.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

This is for XXXX XXXX Account ending in XXXX and XXXX I have filed multiple XXXX complaints in the company either didnt respond or was grossly past due and ineffective Their extreme negligence has caused me a lot of damage and stress as I am a XXXX person. 
They are reporting two balances of over {$1000.00} However my balances should report XXXX. 
They are in violation with the Fair Debt Reporting. Information on my credit report must be reported legally and accurately
Consumer complaint received 2023-05-30
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: Experian Information Solutions Inc. (TX)

Report Number XXXX XXXX XXXX XXXX There is an account from XXXX XXXX XXXX on my credit report. I have continuously tried to dispute this account with Experian. Each time they continue to verify the account and keep it on my credit report. I have spoken with XXXX XXXX XXXX a number of times and they are not able to find an account for me. It is hard to fix this, because Experian is able to verify an account that I am not able to verify with the original creditor. 

When I call XXXX XXXX XXXX and give them the account number, they inform me they are not able to find my information on the account that Experian is reporting. Most notably, the Social Security Number is different, along with the address. 

My credit file has in the past become confused with somebody else. Experian needs to fix this.
Consumer complaint received 2024-04-10
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (KY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX Date XX/XX/XXXX MOHELA RE : Paid in Full Student Loan and discharge I paid my full amount oXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, and XXXX XXXX, ( {$57000.00} ) my student loan account number # XXXX is paid in full and accepted by the IRS. My XXXX XXXX discharged loan amount is considered income via the IRS. I know it is the Trustee responsible to discharge this debt. Please make sure it was done. I reported the discharge debt as income on my taxes for XXXX tax year. As required by the IRS, I have included the discharge amount in my taxable income and paid any applicable taxes on it. I trust that this information will help help ensure compliance with tax regulations and reporting requirements. 

Sincerely XXXX XXXX XXXX
Consumer complaint received 2023-04-27
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: EQUIFAX, INC. (NC)

XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, has violated my rights. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

on or about XXXX i filed a complaint ( included in the complaint was a copy of my new york state drivers license with current address, bank statements, 1099, and etcc ) with XXXX XXXX XXXX XXXX concerning incorrect or/and fraudulent personal information on this writers personal credit profile. on or about XXXX XXXX responded requesting the same identifying information that was already submitted on XXXX so one XXXX this writer filed a complaint with the CFPB for deliberately refusing to address this writers complaint. after several days XXXX responded to the CFPB complaint repeating the same lie/excuse they need more time. on or about XXXX XXXX sent a letter to this writer repeating the same lie/ excuse/. ( see attached letters from XXXX ) This company is KNOWINGLY, DELIBERATELY and WILLFULLY attempting to sabotage this writers credit and financial future. In addition, once again, XXXX is in violation of 15 usc 1681 and the previously settled class action lawsuit ( XXXX ) In addition, the same request to remove incorrect addresses was submitted to transuion and XXXX. XXXX timely removed the incorrect / fraudulent addresses. ( see attached )
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA (NJ)

In accordance with the Fair Credit Reporting act Apple Card/GS Bank USA Account XXXX XXXX has violated my rights.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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose,
Consumer complaint received 2023-04-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (LA)

They are holding my insurance claim money. I do not have the money to fix my home and then wait for them to send an inspector before they will send me my money. It's ridiculous! It has been almost 2 years since XXXX XXXX devastated our area. It's a shame we have to fight with the insurance companies and then fight the mortgage company to fix our property. My claim was {$42000.00}, the insurance company subtracted {$18000.00} for recoverable depreciation and sent me a 2 checks totaling {$24000.00}. Then the insurance company went bankrupt. My contractor has done most of the repairs to make the house livable, yet they want him to completely re-sheetrock the entire house. My hands are tied until I get my money.
Consumer complaint received 2023-12-29
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (TX)

I purchased a gift card from american express. total balance on gift card is {$44.00}. I have been unable to use gift card with any merchant. I called on XXXX at XXXX XXXX, and XXXX at XXXX with XXXX and XXXX. Both times the rep said to AMEX gift card customer service at XXXX, the CS rep says to try to use at another merchant. Transactions will show pending on the account, but will not complete. AMEX Rep says they are declining all transactions to ensure " Security '' on the account. 

After stating I would contact consumer finance, AMEX rep said they would open a case and send a check in the mail within 3 weeks. 

Over 2 months later, on XX/XX/2023, I have not received any check in the mail nor any status update. Card is still unusable everywhere I try to use it. I called the company, and spoke with " XXXX '' who said my case was closed and no check was sent. XXXX also said id, proof of address, and card details needed to be emailed to a specified email address. Upon complaining, she escalated me to XXXX. XXXX tried to get me a replacement card instead of check in the mail. XXXX submitted a new case and said it would require another 3 weeks before I would receive my check in the mail. This is now 4 months of trying to use my {$44.00}
Consumer complaint received 2024-01-04
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)

Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation.

Validate/inaccurate reported late payments.