davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-18
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Blackrock Mitigation Group LLC (TX)

A XXXX XXXX called me to say that he was a dispatcher with XXXX and was trying to schedule a time to have me sign some documents. Said the documents came across his desk as marked " urgent '' and " requires recipient signature. '' Also stated it would be out for delivery at XXXX to my home address. I was there, no one ever showed. Called again the next day, stating this was the final attempt and that " redelivery would be shortly after XXXX at the jobsite listed, and that this would be the final attempt before he or his representation would need to pick this up. '' Left me another message at work stating that I was n't there when they tried to drop off documents and that I needed to set up a time where I and my HR director needed to sign documents. I needed to call the office at XXXX ( Will add an alert on this number as well ). After doing a bit of research ( not my first rodeo with XXXX like this ... ), I found the number of XXXX to be identical information to my experience. I called both numbers and got a similar " call center '' type of background noise on both. Phone answered by a XXXX XXXX XXXX, and a XXXX XXXX. I was transferred by XXXX XXXX to a XXXX XXXX who told me that I had paperwork out for delivery. I asked for the company name, and she told me Black Rock Mitigation. I asked for an address, and she told me that it was useless to send anything because they do not answer their mail ( certified letter in the mail for debt validation mailed today to cover my bases ). She gave me an address of XXXX XXXX XXXX, XXXX, NY XXXX. I also looked up Black Rock Mitigations LLC and found an address of XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX. XXXX images looks like this is an shady warehouse/office space. I asked XXXX XXXX if they were a debt collector, and she told me that they basically just finalize matters and send information, that there was a civil matter filed and they were putting me on notice. Would not commit to being a debt collector. Did not try to collect on a debt, but referred to a bogus debt of {$3500.00} saying there was a civil suit filed ( none has been filed, as I checked with the XXXX today ). These people are a scam.
Consumer complaint received 2023-12-14
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: PNC Bank N.A. (PA)

I had a home equity loan. I paid it through my PNC online portal, and it showed the interest and the principle. In XX/XX/ I paid off the amount the online portal said remained on the loan. The balance said XXXX. 

In XXXX I received an email saying that I'd missed a payment on the loan. I called and was told I owed {$67.00} in interest remaining and that I could pay it online. This was untrue. There was no place online where this interest showed up, and the account balance for the home equity loan showed as XXXX. 

I was told I was also being charged for closing the home equity account. But I WAS NOT closing the account, I just paid off the remaining loan. 

I was then told I needed to go to a bank. I went to XXXX branches. My main branch apparently closed - no notification. I went to the second branch and they had gotten rid of all the tellers. 

I called again in XXXX and asked them to waive the interest considering the amount of trouble I had gone to pay the interest. I was told instead that ANOTHER fee had been added but that if I paid by check they would waive the extra fee. They said they would put in my request to waive the interest and someone would call or write me back within a few days. No one reached out. 

On XXXX XXXX, I sent a check through my bank to my bank for the interest of {$67.00}. 
I then received another letter saying I owed {$170.00} - interests and fees and another {$50.00} listed as " other fee. '' I don't know what is going on with this bank. They refuse to do anything in writing and only call - and then I have no record of them giving me the wrong information, as has happened both in this situation and in the last situation regarding the credit card ( which, fyi was not resolved. ) I do not want to do things by phone. I want them in writing. 

I have been a member for more than 20 years and never had any problems until the past few years. I don't know what's going on, but they are clearly having some serious communication issues.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 2017-04-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to exercise my right to request verifiable proof of the negative events you have listed within my credit file. The 15 U.S. Code 1681g - Disclosures to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE. 

1. XXXX 2. XXXX 3. XXXX 4. XXXX 5. XXXX 6. XXXX 7. XXXX 8. XXXX 9. XXXX 10. XXXX 11. XXXX 12. XXXX 13. XXXX 14. XXXX 15. XXXX 16. XXXX 17. XXXX 18. Inquiries Name of Company Date of Inquiry Type of Business XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Miscellaneous And Public Record XXXX XX/XX/XXXX Miscellaneous And Public Record XXXX XX/XX/XXXX Miscellaneous And Public Record XXXX XX/XX/XXXX Miscellaneous And Public Record XXXX XX/XX/XXXX Banking XXXX XX/XX/XXXX Banking XXXX XX/XX/XXXX Banking XXXX XX/XX/XXXX Finance XXXX XX/XX/XXXX Banking I expect that you will provide verifiable proof as required under the 15 U.S. Code 1681g - Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe, I expect these negative events to be removed.! Please communicate your intentions in writing.!
Consumer complaint received 2022-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HUNTINGTON NATIONAL BANK, THE (NY)

Here are the problems as follow : 1. The first problem is involving a transaction from an ATM on XX/XX/XXXX there are " two '' withdraws for {$400.00} this is not possible to happen as the maximum amount that can be withdrawn is XXXX per day. I have wasted hours of my time on hold with customer service representatives. 

On XX/XX/XXXX I also followed a complaint with the XXXX and they refused to even respond to my complaint in writing. 

2. There is a deficiency between the amounts deposited and the amounts debited from the beginning of the account to now. I am requesting an audit of my account. It doesn't take a lot of perspicacity or ratiocination to realize that Huntington Bank has what I would call rather questionable and unsavory business practices and I am sure I am not the only one that is experiencing these recesses in fair business practices and sound judgement. When a person comes to a bank they expect the bank to have some level of integrity and good faith. Perhaps my expectations of Hunington Bank are not realistic, non the same I am 3. I was given an inducement to open the account but what I was given was not the promised amount and then I got a 1099-INT that this was interest income and it is not this is misfiled and inappropriate.

4. I am requesting an accounting be made of my account as the deposits and withdraws do not balance from the accounts beginning to end. 

****I do have pictures but i was unable to upload them but you can text me at XXXX XXXX XXXX and I can text them or I can email them if you send an email requesting them. 


Thank you for your time and consideration to this matter, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently conducted a review of my credit report, and I noticed that your agency showed XXXX ( XXXX ) and XXXX XXXX XXXX  credit hard inquiries without my knowledge. The unknown and unauthorize hard inquiries in question was apparently made by XXXX ( XXXX ) on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. An unauthorize hard inquiries by XXXX XXXX XXXX on XX/XX/XXXX, and XXXX XXXX, XXXX. I have not informed or recalled of any association with these company. I have contacted XXXX, and XXXX XXXX XXXX and requested them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and proceed necessary steps to resolve the issue. I wanted to contact all the credit agency as well, just to make sure the issue would be resolved immediately.
Consumer complaint received 2022-02-01
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.
Consumer complaint received 2017-04-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MA)

Navient increased my monthly repayment fees due to a change in interest rates. Navient notified me via written mail ( postmarked XX/XX/2017 ) AFTER the initial increased payment was already due ( increased payment due date : XX/XX/2017 ). Because of this delay in notification, my payment of that month 's bill was marked as late. I was incredibly confused because the Navient account website shows the payment as being made, but as insufficient for the owed amount. This is incredible unprofessional and I now have a late payment marked on my credit because of Navient 's inability to notify me of a change in terms in a timely manner. This also comes after my request to decrease my payments due to loss of employment and large medical bills. Navient granted the lower Income Based Repayment Plan payments on paper, but never lowered the payment request in written bills or in my online account. This is absolutely outrageous and there is no way to reprimand Navient for their awful service.
Consumer complaint received 2023-12-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NY)

My loans transferred to Mohela earlier in 2023 and they put me on the higher IDR payment in error due to " not recertifyingin time '', but that was pushed out due to the covid forbearance. It took several months from XX/XX/2023 to XX/XX/2023 for my IDR plan to be corrected due to Mohela 's processing mistake. I was told by multiple supervisors that the forbearance time from XX/XX/2023 to XX/XX/2023 would still count towards PSLF as it was placed on my account administratively to allow Mohela time to correct their mistake. I also have a forbearance covering XX/XX/2023 as well that I didn't request and that was Mohela 's doing. I'm participating in the PSLF program and want everything to be in compliance to count towards PSLF.
Consumer complaint received 2017-04-02
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (FL)

I contacted the above ceditor ( Big Picture Loans , LLC ) via email on XX/XX/2017 informing them of an unexpected permanent financial hardship and requested a settlement agreement on the account without accruing any additional interest past XX/XX/2017. Due to the financial hardship, my checking account is negative and will be closing. I received several emails from the creditor however they wanted the past due amount ( the interest and principal due that day and would not stop the interest from accruing ). After unsuccessful attempts to resolve the matter via email, I contacted the creditor and spoke with the resolution department on XX/XX/2017. They informed me that they were unable to provide a settlement agreement. After the conversation on XX/XX/2017, I emailed the creditor and request a " cease and desist '' of all communication and correspondence except for email to resolve the issue or United States Postal Service. I received an email response on XX/XX/2017 stating they were currently reviewing my account and would contact me for a resolution. Likewise, I received a settlement offer XX/XX/2017. 

My complaints are as follows : Complaint # 1 : I contacted them on XX/XX/2017 to explain permanent financial hardship and requested a settlement offer. After numerous communication efforts, they finally approved a settlement offer on XX/XX/2017.Therefore, accruing additional interest on the loan from XX/XX/2017 through XX/XX/2017. The amount was {$600.00} principal balance and {$350.00} interest, total payment of {$950.00}. If the account had been settled in a timely manner ( the interest would be only about half of the above amount ) Complaint # 2 : The payment due date on the payment schedule on the settlement offer are either on my pay date or the day after I get paid. The only options for payments are electronic debits ( ACH, RCC, post dated checks ) from bank account or mail in payment. The electronic payment is not an option due to the current checking account situation and the account is approaching closing at any day. Therefore, I would have to mail in payments. It would be impossible for payments to be received by the due date. 

I have sent several emails replying to the settlement offer in respect to the above complaints. As of today, I have not received a reply or response from the creditor. I am required to send a reply of " I agree '' to the terms of the settlement offer by XX/XX/2017. Or they would send account to resolution department for further collection.Due to these unresolved complaint issues, I am unable to agree to the full terms of the settlement offer. These issues would hinder my ability to successfully complete the settlement offer. Likewise, my intentions are to repay the debt but under more fair debt collection practices.
Consumer complaint received 2023-12-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (WV)

ON XXXX XXXX  I HAD TRANSFERRED XXXX INTO MY OWN PAYPAL ACCOUNT OUT OF MY XXXX ACCOUNT AT XXXX XXXX AFTER PAYPAL RECEIVED MY MONEY THAT I HAD PUT ON MY ACCOUNT THEY PUT A LIMITATION ON MY ACCOUNT THE TIME WAS XXXX XXXX  BECAUSE THEY SAID IT WAS A BIG INCREASE IN VOLUME BUT ONCED AGAIN THIS WASNT NO SALE THIS WAS MY PERSONAL MONEY, XXXX XXXX  I had received another email from PayPal stating the limitations was permanent and they are holding my money that I HAD PUT IN MY PAYPAL ACCOUNT for 180 days I tried to appeal it but they denied it. 
I don't see how this is fair by far how are they aloud to assume something and hold my money from me when I told them the truth I had my momey transferred into PayPal and I want my money I need my money it's XXXX for the love of XXXX I have a daughter.
Consumer complaint received 2018-07-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

Experian credit reporting agency did not remove 2 inquiries on my credit report. They were to be removed on XX/XX/XXXX. The 2 inquiries are for XXXX XXXX XXXX XXXX. The initial inquiry was 2 years ago. I just checked the report that is current as of today XX/XX/XXXX
Consumer complaint received 2023-10-20
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Gurstel Law Firm, P.C. (MN)

XXXX XXXX XXXX has sent me yet ANOTHER scam packet through the US Mail.

I DO NOT HAVE OR HAVE EVER HAD ANY ACCOUNT AT THIS THIRD BANK THEY NOW SAY THEY HAVE ALREADY GARNISHED AND STOLEN MY MONEY FROM.

I HAND DELIVERED A LETTER TO THEM FOUR MONTHS AGO TELLING THEM TO STOP CONTACTING ME. 

I AM ON SOCIAL SECURITY AND I AM NOT PAYING THESE SCAM PIECES OF XXXX XXXX CENT. 

I DONT KNOW WHAT THIS SUPPOSED DEBT IS FOR, I DONT CARE. 

WHY ARE THESE PEOPLE ALLOWED TO KEEP BREAKING FEDERAL LAWS????? 

The XXXX ALSO NEEDS TO BE INVESTIGATED. THEY HAVE OPTED TO NOT DO THEIR JOBS. THEY ARE ALSO OWNED BY XXXX MONEY GROUPS. 


FIX THIS XXXX COUNTRY!!!!
Consumer complaint received 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: HYUNDAI CAPITAL AMERICA (TX)

according to the law these compainies are reporting improper information on my consumer report late payments or any transaction is againt the law to teport on my consumer report and should be removed asap! immediately. this company has violated me 5 times! 15 usc 1692c If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except 15 usc 1681 a-d Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2017-04-05
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/2017 I visited XXXX XXXX at XXXX XXXX XXXX, XXXX, CA XXXX. Before treatment began, they offered to run my credit to see how much I would be eligible for if I needed credit to cover any costs. They told me I was eligible for a {$5000.00} line of credit to be used towards any work needed. I received some minor work from them that I paid out of pocket for ( {$390.00} ). I told them I was not interested in using their line of credit and had no need for it. Approximately one week after this visit, I received a CareCredit card in the mail with a line of credit of {$5000.00} that can be used at XXXX XXXX and other affiliates. The card is unsolicited, but appears on my credit report. I called the issuing bank ( XXXX, Florida ) and they said they would conduct a fraud investigation.
Consumer complaint received 2017-04-04
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (TX)

I purchased a home from citimirtgage in XXXX. I joined the XXXX in XXXX. I was not receiving a housing allowance due to the fact I was n't married, I made my last payment XXXX. I tried to get citimirtgage to take the home and sell it and I would pay the difference. Citimirtgage had me fill out an income summary and decided I should selll the home through a real estate company. I contacted a real estate company and they required me to put a roof of the home before they would sell the home. I could not afford to do so. I contacted citimortgage and explained this. Citi said they could only consider a short sell after I listed the home with a real estate agency. I then offered out the home up for sale personally. Citi said that would not constitute i attempted to sell the home. I can not afford to pay for the home and would like citi to recoup some of their money but I can not resolve this issue with their process. I also believe that after so many years citi is required to charge the amount off and consider the loan bad debt. This would mean citi is in violation of the law
Consumer complaint received 2017-04-07
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: WELLS FARGO & COMPANY (CA)

I became a 100 % service connected XXXX veteran and notified my lender that I wanted to apply for loan forgiveness as stated in my VA paperwork. The suggested I complete an additional form so I would n't have to make payments while I waited for the loan forgiveness to process. They walked me through how to complete the form step by step and I sent it in, followed by the loan forgiveness application a few days later. I was told I did n't have to make any more payments. Two months later I was told that the first paperwork I completed to not pay while the forgiveness was processing was not filled out properly and my payments were now several months overdue. I asked if I could resubmit the form and was told they could only process one request at a time and the loan forgiveness was already in process. Now I have a negative hit on my credit report showing student loan delinquency when I did everything I was instructed to do by the loan company. How do I get this removed?
Consumer complaint received 2023-07-25
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. (LA)

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 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 2023-05-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.