davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (MD)

PNC ( acct. # XXXX ) is my first mortgage and XXXX XXXX XXXX XXXX XXXXXXXX ( acct. # XXXX ) is my second mortgage. 

I am in significant hardship due to Covid-19. I'm trying to sell the house because I can no longer pay both mortgages. I have repeatedly filed hardship letters to both companies and they continue to misplace my request for a short sale. They are continuously losing my personal documents and then closing my cases. 

I filed everything by fax ( XX/XX/XXXX ) from a PNC branch for a hardship/short sale. It was over 100 pages with my loan number on every page. I was then told more documents were needed. So on XX/XX/XXXX, I emailed additional documents to PNC XXXX XXXX and now I'm told my request for a short sale has been closed? WHY? 

I have had the 2nd loan since 2007. And just learn that a XXXX loan will not be paid off until XXXX at 11.5 %. INn the past I tried to refinance and was told I couldn't. To date I have paid {$54000.00} on a {$31000.00} loan. And have been stuck with it. The investor on that loan is XXXX XXXXXXXX XXXX XXXXXXXX. That loan has been sold many times as well. 

I have a buyer who has patiently been waiting. PNC and XXXX XXXX has copies of the settlement HUD. 

I have called PNC and XXXX XXXX several times..and each time I spoke with a different representative and was told different scenarios. 


I was told things were missing from the XX/XX/XXXX fax... but was recovered when I complained. 

I am in dire default of my loan because of Covid-19. And facing significant hardship. 

I am trying to sell the house and PNC snd XXXX XXXX representatives are very misleading in my case. 

As to PNC : I need someone to explain why I'm {$51000.00} in behind payments? My principal amount prior to default was approximately {$210000.00}. My payments were approximately XXXX which was interest and principal. So being in default ... shouldn't interest be the only thing ongoing? I now owe approximately {$260000.00}? Please explain how in 25 months of default im getting hit with my principal on top of interest. 

In any case, I need this all clarified and resolved ... as I am trying to sell it. I need a recalculation of what is owed and a short sale. As the settlement is XX/XX/XXXX and IRS had liens on the house too. They are releasing the liens for only 30 days. XX/XX/XXXX to XX/XX/XXXX. 

Again, I applied for both short sales on XXXX
Consumer complaint received 2021-10-11
Product: Credit card or prepaid 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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

There was a {$350.00} transaction paid by my Bank of America credit card through XXXX on XX/XX/21 which went onto dispute. 

The dispute continued with Bank of America 's process and a full refund of {$350.00} was issued on XX/XX/21. 

XXXX issued a temporary credit of {$140.00} back to the credit card on XX/XX/21 The problem is that then on XX/XX/21 XXXX reversed the {$140.00} temporary credit from my XXXX account instead of the credit card account. Bank of America made ANOTHER reversal of {$140.00} from the credit card on XX/XX/21. 

Basically, the {$140.00} credit was issued once and reversed TWICE. Bank of America says it's XXXX 's issue and XXXX says it's Bank of America 's issue. 

Someone needs to re-issue the {$140.00} credit back to me.
Consumer complaint received 2021-10-11
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. (CA)

I have been dealing with XXXX and TransUnion regarding late payments reporting falsely on my credit report. They keep giving me generic responses. However I have provided them PROOF that it was on time. XXXX told me they can't fix it on their end and I had to talk to the bureaus. It's just the run around. This is harming me. And it's falsely reporting. My payments have always been on time.
Consumer complaint received 2023-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

This is NOT a duplicate submission and this is not filed by a 3rd party or Credit Repair Agency. I was looking over my credit report and noticed a few Credit Laws were violated. In accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 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. XXXX. Account Name : XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX Account # XXXX XXXX. Account Name : XXXX  XXXX Account # XXXX I would like for the consumer reporting agency to provide these four items below and if they can not provide these items please delete all of these accounts from my credit report. XXXX. The Original Contract With My Signature On It XXXX. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) XXXX. The Payment History and Itemized Billing Associated With The Account XXXX. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) Please provide me with these four items or delete the three accounts from my credit report.
Consumer complaint received 2021-10-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LendingPoint Holdings LLC (TN)

According to UCC subsection 3-401 a person is not liable for an instrument unless the person signed the instrument or the person is represented by an agent or representative who signed the instrument. They never gave me the right to dispute the debt, I have already disputed this with the credit and the company I demand the items be removed from my consumer report immediately.
Consumer complaint received 2021-10-11
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Exeter Finance, LLC. (FL)

I, XXXX XXXX, entered into a consumer credit transaction with EXETER FINANCE LLC on XXXX I used my credit card as defined under 15 USC 1602 ( l ) and there was a finance charge involved as defined under 15 USC 1605. EXETER FINANCE LLC then took my credit and got a loan and begin to violate 15 USC 1692e because they falsely represent the status of debt. EXETER FINANCE LLC received a Cease & Desist on XX/XX/XXXX and continued to communicate directly and indirectly after that date violating 15 USC 1692c ( c ). EXETER FINANCE LLC is violated 15 USC 1605a finance charge does not include charges of a type payable in comparable cash transaction.

EXETER FINANCE LLC also violated 15 USC 1692f ( 6 ) when they to non judicial action and dispossession the property on XX/XX/XXXX.
Consumer complaint received 2023-07-18
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 items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXXXXXX 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 2021-10-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERICAN PACIFIC MORTGAGE (CA)

Please see my previous complaint XXXX. I have attached the letter I received from American Pacific Mortgage. As I stated before, they do not read what they send out. They state that my current home value is {$820000.00} ( low estimate because the home directly behind me just sold for {$900000.00} ). They say I need to pay {$60000.00} to get my LTV ratio to 80 %. Last I checked the principal I owe ( around {>= $1,000,000} ) divided by their new estimate {$820000.00} ( again low ) is 80 %. This company cant even do basic math. Please investigate them for failure to do their job, incompetence, stealing from clients, and conflict of interest. Thank you.
Consumer complaint received 2023-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.
Consumer complaint received 2024-09-18
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (WA)

Dear CFPB, I am reaching out to request your assistance regarding a troubling issue with my Chase Sapphire Ultimate Rewards points and a related statement credit. 

I have been a loyal Chase customer since XXXX and a Chase Sapphire cardholder since XXXX. However, I encountered a problem when I canceled my Chase Sapphire credit card on XX/XX/XXXX, according to Chases records. Despite this cancellation, a transaction with XXXX was processed on XX/XX/XXXX, indicating that my card was still active at that time. 

Chase 's Ultimate Rewards Service Agreement states : " If your account is closed for any other reason, youll have at least 30 days from the date your account is closed to use your points, as long as you dont lose them for any of the reasons described in this agreement. If you dont use your points during that time, youll lose them unless limited or prohibited by law, in which case your unused points will be automatically redeemed for cash in the form of an account statement credit. '' Following the closure of my account, my remaining Ultimate Rewards points were automatically redeemed as a statement credit. However, this redemption was subsequently reversed, and my points have not been reinstated. Given that my last transaction occurred after the cancellation date and according to the agreement, this situation appears to be an error. 

Despite several attempts to resolve this issue directly with Chase, including discussions with supervisors, I have not received a satisfactory resolution. Most recently, on XX/XX/XXXX, a supervisor disconnected our call, further exacerbating my frustration. 


Thank you for your attention to this matter. I appreciate your assistance in resolving this issue as soon as possible. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-10-11
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. (CT)

On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like XXXX being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2024-09-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

I have never agreed to do business with MIDLAND CREDIT MANAGEMENT. They have not provided and written agreement with my signature agreeing to do business with them. They are not licensed to collect in my state of XXXX. They have fraudulently accessed my information and are affecting my livelihood by inaccurately reporting this on my consumer report. They are also trying to collect in a state they are not licensed in. I want this account removed from my report immediately.
Consumer complaint received 2024-09-17
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aqua Finance, Inc. (WA)

In 2019 my husband and I got a knock on our door from XXXX XXXX on a promotion for water treatment. 
What was to be a simple payment plan for an amount, has turned into failed attempts over and over through Aqua Finance. We set up auto payments, then to find out the payments " failed '' to go through. Then to be told by Aquafinance that they required large payment to catch us up!
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (FL)

I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 
MY NAME : XXXX XXXX. 
LAST NAME : XXXX. 
XXXX : XXXX NSS : XXXX SECURITY FREEZE
Consumer complaint received 2023-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2021-10-11
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. (PA)

I have written each company and all three credit bureaus to inform them that I have no regulation as to how any of these accounts are connected to me. I asked for proof of validation back in XXXX and have yet to get a response. I done get why or how any of this is actually legal. I have been victimized and I feel I have been mistreated and next I will seek legal assistance.
Consumer complaint received 2021-10-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (NC)

The covid forbearance on my mortgage was scheduled to end XX/XX/XXXX. In XXXX, I told Flagstar Bank, my servicer, that I wanted the covid-19 payment deferral option to keep my mortgage payments, but was interested in what the numbers looked like for a loan modification. They told me they would send the file to underwriting and let me know in a few weeks. On XX/XX/XXXX, they came back to me with a loan modification option that would increase my principal balance by {$26000.00}, and told me that the covid 19 payment deferral option was no longer possible since my forbearance period was over. This additional debt puts an undue hardship on my finances as I attempt to put my life together after the pandemic.
Consumer complaint received 2021-10-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

Applied for loan modification and was pre-aproved. 
Directed to make a smaller mortgage payment for four months trial period.

Two of these reduced mortgage payments made were put in a suspense account and deemed me late on my mortgage.

After final loan modification approval received documents with awful terms.

The new mortgage would not reflect the five mortgage payments made and included late fee attached to new payment indicating I did not pay my hazard insurance premium.

I disagreed with the incorrect documents ( 1 ) my hazard insurance and property taxes are escrowed and paid on time ( 2 ) the mortgage balance I was to resume did not reflect mortgage payments from XXXX to XXXX. I declined to sign the loan modification documents. 
I have been working with XXXX office of Wells Fargo in XXXX XXXX, IA and the mortgage balance indeed was incorrect and Wells Fargo has determined this is so. 
But the two late mortgage payments indicidated, were never late and has now affected my credit profile. Two late mortgage payments is very serious but is untrue.

I would like Wells Fargo to correct my credit profile, perhaps enlist me in a new loan modification program.
Consumer complaint received 2021-10-11
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. (GA)

I submitted an FTC report to TRANSUNION LLC on XX/XX/2021. I explained in the attached cover letter my demands for furnishing these fraudulent accounts. I advised TransUnion LLC that if they believed I obtained goods or services to have a senior executive under the penalty of perjury draft an affidavit that states I have received goods or services as a result of the alleged accounts. Also, demanded to see documentary evidence that feared my wet signature proving I entered into the alleged transaction. Said notice gave them 5 business days to produce such documentary evidence. As you can see 6 calendar days later on XX/XX/2021, TRANSUNION LLC wrote with the attached denial letter stating that they would not be deleting the information as the law stated they should if they couldn't prove the validity of the information they were furnishing. Such denial did not address or provide any of the documentary evidence that I demanded to see which violated my block demand. Instead of doing as I demanded, TRANSUNION LLC, added an extended fraud alert without my authorization and said they would conduct a reinvestigation. I received this " alleged '' reinvestigation dated XX/XX/2021 on XX/XX/2021 via mail. It stated that their alleged investigation was updated and verified as accurate. However, I attached a letter explaining the multiple inaccuracies found in this alleged reinvestigation of the alleged accounts. For example, the alleged accounts show that they are in collection but never late and they do not even have payment history that dates back to when the alleged accounts were opened. The reporting of the fraudulent accounts are inaccurate and that alone should have them block, deleted and removed from my consumer report and file.
Consumer complaint received 2021-10-11
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (NJ)

RE Order # XXXX Order Date : XX/XX/2019 Washing machine and dryer purchased from Lowe 's via credit card application. 

Delivery was initiated on XX/XX/2019 Delivery was declined by the customer. 

Return successfully processed by Lowes, see receipt attached. 

Lowes continue to report falsely to my credit report, I investigated and discovered that the refund was processed to a different MASTERCARD THAT DOES NOT BELONG TO me. 

As far as I am concerned the refund was processed to the same card it was charged from, this problem has nothing to do with me, Lowes should carry out a detailed audit to get to the root cause of this discrepancy and stop reporting falsely on my credit report this is negligence and incompetence on Lowes path. 

My next action will be with the Court of Law.
Consumer complaint received 2021-10-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

I lost my job in XXXX, and fell behind in the mortgage, until XXXX, when I became employed with ups. I am still with XXXX, making an awesome salary, and Wells Fargo lied to me, told me that I would qualify for so many programs for modifications, etc. My loan fell in the cracks, and they threatened foreclosure. We took them to court, we were put into a mediation program, and Wells will not work with us. My lawyer has fought and we won all 3 times in court. I had to file a Chapter XXXX in XXXX because I would've lost my home. I have had my home for 29 years, and I have never dealt with such a heartless company that did not want to help in any way, shape or form. They have cost me thousands of dollars with court fees, my well being, etc. We have won in court 3 times, and now, I can not refinance anywhere because they will not re-instate my mortgage unless I pay XXXX dollars.
Consumer complaint received 2020-04-22
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (AR)

On XX/XX/20, I tried using my U.S. Bank XXXX to complete an online transaction. The transaction read as invalid card. I tried to withdraw funds from the ATM and the card automatically read as invalid card. I received this card on XX/XX/20 and completed the activation. The card had funds available and worked fine. I have {$1400.00} available on the prepaid card as of XX/XX/20. I am unable to access them and there is no reason why. The customer service number on the back of the card gives a busy signal each time I dial out. There is no one to offer assistance.