davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-08
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (PA)

I DID NOT SEE PROPER PRODUCT OR SERVICE TYPE WHICH APPLY TO MY CAUSE. 

1. XX/XX/XXXX my bankruptcy I filed for bankruptcy ( Chapter XXXX ) 2. While my bankruptcy had been in full effect, payments plans had been ordered by the Bankruptcy court/Trustee Office. 
3. I never miss a payment 4. XX/XX/XXXX, I received notice that PNC had filed a Motion to have my Chapter XXXX plan dismissed or discharged 5. I continue to pay my mortgage payments while the lawyer ( supposedly ) forth against the PNC proposed motion. 
6. I continue to make my mortgage payments. 
7. XX/XX/XXXX, I received letter in the mail that my bankruptcy was dismissed. 
8. PNC and trustee 's office mailed back to me my last payments 9. I learned from the Trustee 's office ( have voice recording as proof ) that there was a court date which would have addressed PNC ' Motion, but I was not made aware of it and neither my lawyer nor PNC lawyer showed up for that court date. 
10. Because no one showed up at court, my case was dismissed. 
11. XX/XX/XXXX, I received a letter from PNC that they received my letter to redeem my home and they would get back to me in about 15 days. 
12. XX/XX/XXXX, I was evicted from my home. 
13.XX/XX/XXXX, PNC Mortgage reversed my VERY active bankruptcy back to foreclosure.
Consumer complaint received 2024-06-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc. (NJ)

This complaint is in reference to a complaint with this same company, Central Portfolio Control Inc on that was file on XXXX XXXX case # XXXX. In that incident, ( see attached ) I went into great detail of the ongoing harassment of text messages, phone calls and communication attempts this company had made to my personal cell phone looking for a person named XXXX XXXX. In that complaint, I explained fully the many attempts I tried to stop the calls myself that continued. I finally had to file the report mentioned above. On XX/XX/XXXX the company responded to the your agency that they would cease any further communication. On XX/XX/XXXX @ XXXX XXXX, AGAIN, I received another text message ( see attached ) from Central Portfolio Control Inc, a collection agency to my same cell phone, XXXX that has been on the national Do Not Call registry since XX/XX/XXXX that read, Hi XXXX XXXX, this is Central Portfolio Inc. please contact our office @ then with an email as well This is outrageous!! I called the number, XXXX and spoke with a male representative. I informed him of my concern but he just said Ill remove your number. I ask about doing something more as this is an ongoing problem. Representative just hung up the phone. I called the center office and asked to speak with a person named XXXX XXXX @ XXXX. I was transferred to her line. I did speak with XXXX about that past complaint which was able to bring up and about this most recent issue. XXXX could see my phone number was removed back in XX/XX/XXXX as to that complaint and just again this today, this morning in my call. I informed XXXX this is unacceptable and I further informed her I would file this complaint as well as a lawyer who works with the department of consumer affairs, XXXX XXXX. She wanted his name and phone number which I gave her. This company is constantly violating my rights to collect a debit by harassing me over and over, trying to contact a person Name XXXX XXXX whom I dont know or ever met. This is one of many attempts by this company to continue to harass, intimidate, call and violate the national do not call registry Im on, even after being informed by the department of consumer affairs in prior complaint mentioned above. Again as a now retired law enforcement officer, both state , county and federal agencies, my personal information is paramount to my safety and security of my family. At this time, Im asking for some kind of compensation from this company as well as the this agency applying any fines or sanctions against Central portfolio to stop this harassment
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I HAVE BEEN GOING BACK AND FORTH WITH THE CREDIT BUREAU TO GET INQUIRIES, OLD ACCOUNTS, CLOSED ACCOUNTS AND OLD ADDRESSES REMOVED FROM MY CREDIT REPORT. IT HAS BEEN VERY STRESSFUL AND OVERWHELMING AND TO MENTION VERY COSTLY. AS PER THE FAIR CREDIT REPORTING ACT SECTION 611 ( 15 U.S.C 1681I ) THEY 30 DAYS TO INVESTIGATE AND REMOVE SAID ITEMS.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

I was a customer of Wells Fargo from XXXX XXXX XXXX. I had numerous issues in that time frame with them. I had overdraft fees that I had to dispute and in XXXX they froze my account because I used my card somewhere I normally don't use it. When contacted about that issue, they stated that it was part of their security protocol. I was unable to complete any transactions that day due to this. Just some of the more recent dates they froze the account for " fraudulent activity '' were XXXX XXXX XXXX XXXX XXXX. This was a joint account with my wife and we both were affected by this.
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The Child Support Enforcement Unit In New York State has been reporting outdated and incorrect information since XXXX. I have made child support payments that have not been accounted for on my consumer credit report. I will be uploading proof of inaccurate information that is being reported on my consumer credit report. Per U.S. Code 1681s-1 ( Information on overdue child support obligations states : That a State or local child support enforcement agency or a verified State, Federal Government agency can use this information can be reported on if it antedates the report by 7 years or earlier. Also per 15 U.S. Code 1681b. Permissible Purpose of Consumer Reports states : This report is only to used to establish an individual 's capacity to make child support payments, determining the appropriate level of such payments, or enforcing a child support order, award, agreement or judgment. The consumer report will be kept confidential, and will be used solely for a purpose described in subsection ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding or, or for any other purpose and The Child Support Enforcement Unit of New York State has violated those rights.
Consumer complaint received 2019-09-09
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. (NJ)

In 2018 I contacted XXXX around XXXX to close my account and start a repayment plan. At that time they said I was not elligible and had to wait 30 more days. but for some reason they still locked me out of my account, disabled all my mail and email notifications. Because of this apparently there was. {$13.00} payment that was missed, but never received any calls or anything about it. It showed up on my credit report as a late payment in XXXX, once I saw that i paid it immediately. I contacted some of the credit bureaus, transunion would not removed it, XXXX  did remove it. And I dont know If XXXX did anything. 

I even contacted XXXX about it and they could not help me. This was not my fault and was completely out of my control. I was not even able to login to my account at santander. This is ruining my credit score
Consumer complaint received 2024-06-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Onity Group Inc. (CA)

IWOULD LIKE TO RESCIND THE WRONGFUL FORECLOSURE BY PHH MORTGAGEXXXX XXXX I HAD A NATURAL DISASTER ON XX/XX/XXXX AND XX/XX/XXXX A TREE FELL ON MY HOUSE IT WAS DECLARED BY FEMA I WAS IN THE PROCESS OF XXXX REVIEW AND I SENT THEM A WORKOUT THEY DENIED TRIAL XXXX BECAUSE 3RD XXXX WAS RETURNED THEN THE SAID SALE THE HOME SENT THEM THE CONTRACT THEN A TREE FELL ON THE HOUSE I CALLED XX/XX/XXXX AND XXXX THEY INSURED ME THEIR WAS NO SALE DATE AN INVESTOR CALLED AND SAID HOUSE WAS ON AUCTION.COM THEY SOLD HOUSE TO 3RD PARTY TREE IS STILL ON HOUSE APPLIED FOR FEMA DISASTER LOAN AND THE NEW OWNER HAS BEEN BREAKING IN HOUSE I CALLED POLICE FILED A REPORT I AM COMPLETLY DISTRAUGH AND DEVESTATED
Consumer complaint received 2022-11-23
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The : following items need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$510.00}, XXXX XXXX XXXX XXXX Balance : {$30000.00}, XXXX XXXX XXXX XXXX XXXX : {$40000.00}, XXXX XXXX XXXX Balance : {$1400.00}, XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$40000.00}, XXXX  XXXX Balance : {$30000.00}XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX Balance : {$30000.00}, XXXX XXXX XXXX XXXX XXXX : {$40000.00}, XXXX XXXX XXXX Balance : {$1100.00}, XXXX XXXX XXXX Balance : {$1400.00}, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY (GA)

I had a vehicle loan with Wells Fargo. There was a hurricane in XXXX and Wells Fargo sent a letter stating that customers in my area could defer payments for 3 months as a form of disaster relief. What the letter did not mention is that after 3 months I would be constantly harassed for three months worth of payments plus the current month. I could not afford {$1200.00} all at once. After struggling to make XXXX back to back payments of {$500.00}, I couldnt afford to keep the payments up. My car was repossessed which hurt my credit and there may have been an attempt to get additional money after they sold my vehicle. This happened some time between XXXX and XXXX. I should definitely be included in the {$4000.00} payment to customers who suffered a repossession from Wells Fargo because the letter failed to mention that 4 months of payments would be demanded after the hurricane disaster relief period.
Consumer complaint received 2024-06-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc. (TX)

I hope this letter finds you well. I am writing to you today regarding my former account with XXXX, referenced above, which has been transferred to Eastern Account System and is currently reported on my credit report as a collection account. I am reaching out to you with the sincere hope that you might consider removing the negative information associated with this account from my credit report as a gesture of goodwill. 

During the period in question, I experienced significant financial hardship due to unforeseen circumstances that severely impacted my ability to manage my financial obligations. Additionally, I relocated, which further complicated my financial situation and contributed to the delay in addressing this account. I deeply regret that my account fell into arrears and that it was ultimately sent to collections. 

Since then, I have worked diligently to stabilize my financial situation and have been making every effort to meet all my current financial obligations promptly. My records will show that I have been consistent in maintaining my other accounts in good standing. 

Given my efforts to rectify my financial health and my sincere regret for the oversight, I am kindly requesting that XXXX consider removing the negative information related to this account from my credit report. I believe this gesture would greatly assist me in rebuilding my credit and achieving financial stability. 

Thank you for your time and understanding. I appreciate the service XXXX provides and the consideration of my request. I look forward to your positive response and am hopeful that we can resolve this matter to our mutual satisfaction. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-12-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is XXXX XXXX, who is submitting this CFPB complaint myself. I sent letters to Transunion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Transunion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : ( XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX OF XXXX XXXX )
Consumer complaint received 2021-12-21
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: Experian Information Solutions Inc. (NY)

This is XXXX XXXX, who is submitting this CFPB complaint myself. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX CARD XXXX, XXXX XXXX )
Consumer complaint received 2021-12-21
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: EQUIFAX, INC. (NY)

This is XXXX XXXX, who is submitting this CFPB complaint myself. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : ( XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXXXXXX )
Consumer complaint received 2019-09-09
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Portfolio Services, Inc. (GA)

Complaint 1. 

Consumer Portfolio Services ( CPS ) has refused to acknowledge and comply with the consent decree issued on XX/XX/XXXX which states : credit overcharges or permanently forbear collection on the account including by never 1 )  reporting the account to a consumer reporting agency, 2 ) seeking to collect a deficiency balance or 3 )  selling the account ( image 1 ).

- CPS has never refunded charges on the first loan that was opened in XX/XX/XXXX. Even after paying off the balance on XX/XX/XXXX, they still reported late payments to the credit bureaus in XX/XX/XXXX and XX/XX/XXXX ( image 2 ). 

- Unfortunately, I went against my better judgement and co-signed for a relative in XX/XX/XXXX. The car got repossessed in XX/XX/XXXX and was re-sold in XX/XX/XXXX. CPS continues to report the account status as charge off to purposefully decrease my credit score ( image 3 ).

Complaint 2. 

CPS misrepresented fees owed in monthly statements, modified loan terms and billing cycles without proper notice. 

- In a written agreement dated XX/XX/XXXX, they failed to disclose the financial effects of loan extensions, lied about payment methods and adjusted the original term. As outlined in the document, the maturity date was changed to XX/XX/XXXX. However, billing and reporting records list this date as XX/XX/XXXX ( image 4 ). 

- CPS sent billing notices between XX/XX/XXXX-XX/XX/XXXX which shows the same principal balance and past due amounts even though I made payments during that time period ( image 5 ). 

- CPS reported the first delinquency in XX/XX/XXXX and the account was never brought to current status within 180 days of this date. Theyre intentionally reporting the wrong charge off date by three ( 3 ) months to inflate interest fees on the past due amount and the principal balance ( image 6 ). 

- The VIN report shows that CPS re-sold the car in XX/XX/XXXX which is approximately five ( 5 ) months after repossession. They also delayed crediting the proceeds payment to the account balance in effort to collecting higher interest fees on the past due amount ( image 7 ).

Complaint 3. 

After repossession, I contacted CPS legal department to gather information and to get my personal belongings. I was placed on long hold times and hung up on which violated my right to redeem the car or reinstate the loan. 

By Ohio Law a creditor must provide written notice to the borrowers, including a Notice of Repossession and Post-Sale Notice that complies with the requirements of the Uniform Commercial Code : - Send notice of default and the right to cure to the debtor within five ( 5 ) business days. 

- Send another notice at least ten ( 10 ) days before the sale that states the time and place of the sale. 

- Any resale of a repossessed vehicle must be conducted in a commercially reasonable manner. 

- The creditor may not keep or sell any personal property found inside the car and must tell how you can retrieve your items.
Consumer complaint received 2021-12-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: CARD Corporation (TN)

ALL of my accounts, third party as well as online banks Have had me on some type of hold for years. 
Im a full time XXXX, so Im constantly being paid in any number of ways, weather its XXXX, XXXX, XXXX, cash, and quite often a check. 
And in EVERY app I have, whenever I try to deposit, it just says : on hold for check processing And because of this I end up having to lose that money all together.
Consumer complaint received 2019-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

I have been trying to see if I was able to successfully freeze my credit score with XXXX and Equifax and have not been able to reach a representative on the phone with Equifax. At XXXX they are requiring that I physically mail in identify verification information even though I have provided them with my SSN, phone number, name, addresses, email, and XXXX account information. I think they are purposefully making it difficult to access my credit score freeze status so that I am forced to upgrade my account which has no information about credit freeze status.
Consumer complaint received 2021-12-21
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. (VA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-21
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. (IL)

Over the past year, I have been trying to get documented verification on the account associated with my name from XXXX XXXX XXXX. On XX/XX/2021, I had reached out to the XXXX major credit bureaus for assistance in verification. Even after providing proof, Experian advised that they would not be investigating this account because the company has verified the account to be accurate without any documented proof.
Consumer complaint received 2024-06-12
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Collections Enterprise, Inc. (MD)

I attended urgent care on XX/XX/XXXX for which I was charged {$70.00} and again on XX/XX/XXXX for which I was charged {$35.00}. The bills were only sent in the mail and I paid the first {$70.00} one. I moved addresses and was unable to pay the second due to never receiving the physical bill. Then I was sent to collections with ACEI where I received their bill on XX/XX/XXXX. When I called to pay on XXXX/XXXX/XXXX ( delayed due to being overseas ) I was told I owed {$35.00} for the visit on XX/XX/XXXX and {$70.00} for the visit on XX/XX/XXXX. I was confident Id paid the first so agreed to pay the second at {$70.00} on the phone reflected in my XXXX bank statement. I then contacted the urgent care to clarify the other payment which they confirmed I had paid and that I was overcharged as I only owed {$35.00} on the second bill. 

I sent this billing statement to ACEI and received no response so called them multiple times. XXXX XXXX got aggressive with me on the phone and repeatedly hung up when I attempted to explain the situation. When she finally listened long enough on a call on XX/XX/XXXX she confirmed they did owe money back and a check would arrive within 30 days. It has now been over XXXX and the check never arrived. I will be moving out of state soon and when I attempted to call the past few days they have either not returned messages, dropped my calls intentionally, or XXXX XXXX has again hung up on me. It is a small sum and I just want to be paid back for the overcharge without having to bother in court which I will do if this continues.