davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-28
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (IN)

I have found where the box is at XXXX XXXX location XXXX but I cant get anyone to communicate with me about this. I still receive billing for my deceased Mother that had the box. They asked me to get an Indiana affidavit for estate for my Mom. I got one online filled it out after a 4 year illness my Mom had no estate to speak of. PNC told me that was not sufficient for their legal department. I told them I wanted to surrender the box my Mom had wrote on the key envelope their was nothing in the box. 

I am still getting bills for this box XXXX with a XXXX late fee. My Mom is deceased its like they don't understand that. 
All I want is to surrender the keys and PNC to set up an appointment to do so. I would not be filing this complaint if they would work with me. I have all other matters completed as far as my Mom. 
Date XX/XX/2023 Box Number XXXX XXXX XXXX
Consumer complaint received 2023-11-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (IL)

On XX/XX/2023 I called and waited on the line for over 90 minutes to get to a representative. 

During our conversation she was able to explain how the XXXX program worked ( payment ) so I could optimize my payment impact. This was the good thing. I am on the program. They have one payment before this forbearance was put into place. 

We also discussed having the forbearance removed. I was told that this is possible and would take a couple of weeks. I would be getting some info by mail. The only info I got was about the resolution of the borrower defense that was already taken care of previously. 

About 2 weeks later I sent an email to them as a follow up to the situation where I again requested that my forebear be removed. I wanted to pay. I didn't want any interest to be added to my account. Any to build up since the XXXX program removes the added interest once you pay the amount. 

I have attempted to call them again but to get to a rep the call would again be more than 90 minutes. 

In my opinion it appears as if they are ignoring my request as it adds more interest to the account which would be added to my current principle benefiting the company. Nothing done with the first call or the email sent. No TXT, internal message or snail mail. 

I can't afford to pay the full default amount so much if not all of what I would pay would only go to interest again benefiting the company.
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I recently checked my credit report and discovered a lot of billing errors. mistakes in billing under U.S. 15. Code 1666 ( b ) the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit extended to the debtor. a computation error or other accounting mistake made by the creditor on a statement. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor didn't send me a statement 21 days beforehand. I demand to see specific documentation from the creditor 's bank accounts proving that I failed to pay and were considered past due because these are obviously billing errors. Below are the list of the disputed accounts. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$170.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$300.00}
Consumer complaint received 2023-05-04
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Forbes act
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (CO)

I am writing to express my concern regarding an erroneous late payment that has been reported on my credit report. I have made multiple attempts to rectify this issue by contacting the merchant as well as XXXX, XXXX, and XXXX directly, yet I have not received any resolution or acknowledgement of my dispute. 

According to my credit report, there is a late payment entry recorded for an account that does not reflect my financial history accurately. I have thoroughly reviewed my records, and there was no occurrence of any late payment associated with this account. This misinformation is adversely affecting my credit rating, and consequently, it is hindering my ability to obtain a mortgage and purchase a home. 

I have diligently contacted the merchant in question, explained the situation, and requested their assistance in resolving this matter. Unfortunately, despite their acknowledgment that there was an error made, they have failed to take appropriate action to correct the reporting with the credit bureaus. 


I appreciate your attention to this matter and your prompt resolution. Please inform me of the actions taken to resolve this dispute at your earliest convenience. I look forward to a positive outcome and renewed confidence in the accuracy of my credit report. 

Thank you for your immediate attention to this matter. 

Sincerely,
Consumer complaint received 2023-11-28
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I made my mortgage payments, on time, from my other bank 's bill pay service, as I had been doing for years. The bill pay service mails out physical checks. The 2 most recent payments, for whatever reason, did not get posted. I notified the bill pay service, and they eventually credited me for the missing payments. I made payments to Bank of America from a different method, but by the time I was able to do this, it was 30 days past the due date and Bank of America reported the late payment to the credit bureaus. I provided Bank of America with proof of my on-time payments, and Bank of America does not dispute that I actually paid on time, but they refuse to correct the report because the payments did not get posted. Bank of America seems to want me to explain what happened to the missing payments, but I can only guess that they may have gotten lost in the mail, or lost by the payment processing office. These are all things out of my control. I can only control making the payments. Bank of America should not blame me for not posting the payment that I sent.
Consumer complaint received 2018-12-17
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: CAPITAL ONE FINANCIAL CORPORATION (HI)

I had called the CapitalOne customer service department multiple time ( s ) during XX/XX/2017 where I had made payment arrangements to include an agreed upon payment so that no adverse mark would have been reported. More specifically, I had inquired multiple times that this agreement would not have the consequence to impact my credit score poorly. I was assured that this agreement would not adversely impact me with all respective credit reporting. However, I continue to receive these dates reflect 30 days late for XXXX and XX/XX/2017. 

I tried writing letters, calling them, and disputing through the credit bureaus without resolve. 

Please help as I have attached my letter that I have sent them!
Consumer complaint received 2023-11-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (IA)

I tried to cancel my XXXX account and could not get through to the merchant and sat on hold so I. Hanged my credit card number to stop them from charging it. Goldman Sachs let them charge it anyway for {$99.00} on XX/XX/XXXX for one year payment to XX/XX/XXXX. I contested the charge and the merchant cancelled the account and it remains in a cancelled status. Goldman then resolved the dispute in favor of the merchant even though the account is paid to XXXX yet now cancelled. Why am I paying for services cancelled by merchant. I have screenshots as of now showing there is not account.
Consumer complaint received 2023-11-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: World Omni Financial Corp. (FL)

I hereby raise my formal complaint considering that I am one of the many consumers who were affected by the illegal practices of TOYOTA through the XXXX XXXX Toyota dealership located at XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX phones XXXX XXXX where they included in my budget for the purchase of my vehicle TOYOTA XXXX XXXX VIN NUMBER XXXX Additional products that were not mandatory even though they stated that they were necessary for the approval of the loan through Southeast Toyota Finance The additional products included in the quotes are : Road hazard tire wheel coverage for {$390.00} Mechanical failure service contract for {$1700.00} XXXX  {$690.00} Other aftermarket {$1000.00} Mvwtf battery and tires {$8.00} For a total of XXXX plus interest of 1.9 % per year which is {$74000.00} .5 x 5 years would be {$370.00} For a general total that should be reversed to me XXXX It is important to note that I am still paying the vehicle to TOyta since the loan is for 6 years.
Consumer complaint received 2023-11-28
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (LA)

My spouse is XXXX XXXX military enlisted/serving in the state of Louisiana. Under LA statute XXXX XXXX, credit lenders are supposed to be capped at 6 %. Please adjust my account accordingly. Thank you.
Consumer complaint received 2023-11-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION (NC)

I entered a rental agreement and paid the landlord the security deposit and first month 's rent through XXXX and mobile bank transfers with my bank, Truist Bank. The 3 bedroom, 2 bathroom house I was attempting to rent was listed on XXXX for {$700.00} a month. 

The " landlord '' never sent me my keys after I paid him a total of {$1200.00}. I signed a lease on XX/XX/XXXX and was ready to move in, but when I went to movie in, the house is already occupied. The rental agreement was fraudulent, this was a scam. 

When I went to my bank to file a complaint and have my funds refunded to me, they told me they could do nothing about it, despite having the necessary evidence to prove that I was scammed. 

I am in desperate need to have my funds refunded to me. I am currently struggling immensely financially due to fraud committed by the individual responsible.
Consumer complaint received 2023-06-23
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. (FL)

Recently I did an investigation on my credit report which caused severe XXXX upon me and found nuverifiable, invalidated, inaccurate and questionable items that your agency didnt make sure it was reporting 100 % correct. In accordance with the fair credit Reporting Act everything has to be 100 % accurate on my credit report and under 15 u.s. code 1681e ( b ) and 15 u.s. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Alorica Inc. (VA)

I have asked this third party company to validate this debt several times and I also asked for. a purchase agreement to be included in the validation process also an they refuse to validate the debt and I also sent a letter requesting arbitration also andth ey received it on XX/XX/XXXX and I have yet to hear anything from them and every time I call I get talked to very disrespectful and so unprofessiona I never gave XXXX my permission to share my personal in formation with anyone else I never signed a letter or gave my oral consent to share my information to an one else 15usc 1681 section 602 that I have the right to privacy and my privacy has been clearly violated by the unauthorized sharing of my personal information with a third party company that I have no knowledge of and that I don't have an account or ever done bussineees with
Consumer complaint received 2023-07-05
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: EQUIFAX, INC. (NY)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/2023 I sent 3 letters to all 3 credit bureaus ( XXXX, XXXX and TransUnion ) by certified mail, to remove the account that was reporting inaccuratly three different amounts and three different dates amongst all 3 and should be remove from my credit report due to USC 15 sec 1681 i ( 5 ) and those actions have not been done.
Consumer complaint received 2023-11-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: OPTUM BANK, INC. (OK)

Company was contacted XX/XX/XXXX, I said I want to move the funds out of Optum financial, I was told to go to the app and request a reimbursement. This was done, after a few weeks the funds did not arrive, I contact them again and was told it was best to close account, I was sent a form and a mailing address, the rep said this was the only option. I filled out the form and mailed it off. The funds still did not come, I contacted them and was informed it needed to be liquidated before funds could be sent out, this was not told on the previous calls. I then learned an electronic way to send it docs was available. I followed instructions to liquidate funds and was assured the check would be sent out. That was on XX/XX/XXXX. In the mean time they have taken XXXX dollars a month since XXXX when they knew I was trying to terminate the relationship shop.
Consumer complaint received 2023-11-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

We have had a Chase bank account for the last 23 years. I am XXXX XXXX XXXX and have created a website XXXX. The XXXX who has a XXXX XXXX in XXXX XXXX and partner lives in XXXX. The costs of building this website could have never been completed here in the US based on the skill level of my colleague. I send money to him via XXXX when he sends an invoice through XXXX and have been paying him for the last two years. This XXXX project started in XXXX and basically took two years to build the content, and another two years to build the website that is free to everyone who wants to learn English as an ( XXXX ) student around the world. 

My deep concern and frustration regarding the recent closure of our business account with Chase Bank. I spoke to the current branch manager in XXXX and she stated leave enough money to avoid fees. We did that. Two weeks ago, XXXX sent a letter stating we need to close XXXX XXXX our bank account since XXXX. In addition, we have saving, checking and another business account with Chase.

Calling Chase did not provide any information as to why the account must be closed. The person said we do not have to tell you why. Investigating this, an article in the XXXX XXXX XXXXXXXX has delivered a partial answer surrounding the suspicious activity report ( SAR ) has been filed. Further, discovering XXXX is not a legislative body but is a group on the government that investigates money laundering. However, being extremely concerned that our tiny company is being affected by suspicious activity report ( SAR ). 

Honestly, I do not know who to contact for assistance on the matter. I feel like our bank account has been singled out for something under the suspicious activity report ( SAR ) and there is no one person to answer questions. 

Now we are launching our website and I need to find a new bank. The lack of transparency and communication surrounding this decision has not only caused significant inconvenience but has also raised serious questions about the need for legislation to protect all consumers from arbitrary bank account closures. 

Not sure if this note will reach anyone who cares, but it sure would be nice to know someone cares.
Consumer complaint received 2023-11-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Home American Mortgage Corp (UT)

The company withheld funds for year end property tax payment. 
They assumed my property tax would be higher than it actually was and failed to return a fair portion of my escrow account overpayment for property tax. 
I called the escrow manager and as requested sent the actual and verified county assessment for property tax. 
She said they can't make an adjustment once the credit for overpayment is sent to me. 
They are holding on to about {$2000.00} of my overpayment money until XX/XX/2024 which is not reasonable.
Consumer complaint received 2018-05-18
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: SYNCHRONY FINANCIAL (TN)

XXXX client, XXXX XXXX is a victim of identity theft. She was notified by XXXX XXXX XXXX of a fraudulent application submitted with her information without her consent that left a fraudulent inquiry on her XXXX, XXXX and XXXX credit reports XX/XX/XXXX. In addition a SYNC/Walmart credit application was submitted XX/XX/XXXX An official dispute of both of these applications was sent to XXXX XXXX XX/XX/2018 however as of this date no update of the investigation has been received. This is a violation of the FCRA and my clients consumer rights.
Consumer complaint received 2023-11-28
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: Lendmark Financial Services (KY)

XXXX of XXXX my vehicle was stolen with my wallet being inside wich lead the perpetrator to identity theft & later wrecking my vehicle before being in police custody. 
On XXXX. XXXX. XXXX the defendant plead guilty to misdemeanor theft, evading police, property theft and damage under XXXX. 
I am submitting indictment court issued documents.
Consumer complaint received 2023-11-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (TX)

On XX/XX/XXXX the office manager for XXXX told me that I could pay {$5.00} to {$10.00} per month for up to 24 months before the balance of {$8000.00} was due for 2 XXXX  to be installed in my mouth ; XXXX  did not wait the required 72 hours before they billed Comenity Bank / XXXX XXXX. The procedure was performed by an unlicensed oral surgeon, who subsequently botched the installation and the XXXX fell out of my mouth. I do not owe this debt because the work was never performed. I contacted XXXX XXXX that I wanted a refund because the office manager, now a former employee, had informed me of improper billing practices by the dental office. On or about XX/XX/XXXX I visited XXXX XXXX 's office where he told me that he was processing the refund and had me sign a receipt. He, in fact, was restarting the finance agreement that I wanted to be released. I never had any further work done by XXXX and do not owe this debt to the XXXX XXXX
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (WA)

Inquiries started appearing on my report that I didnt make. I called all three credit bureaus to place fraud alerts on my reports. Stating that lenders or financial institutions should ONLY verify with my phone number and email address. Whoever was calling in was able to keep changing my alert to their own number and information. I was almost locked out.