davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-17
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: PACE Funding Group, LLC (CA)

I applied with PACE to finance my air conditioning/ heating system for my condo since my heater was deemed inoperable by XXXX XXXX XXXX and XXXX . PACE was recommended by my Contractor at XXXX. After applying PACE asked for various documents including loan documents for my second mortgage and also lien statements from my lender showing that the previous second had been paid off through refinancing. I had a previous loan through a similar home improvement lender for my windows which I had already paid off. My credit score was XXXX with XXXX- Good and PACE required 2 months of bank statements which equaled verifiable deposits of {$10000.00} each month. 
PACE requested more documentation focusing on my XXXX XXXX Mortgage. I was affected by COVID-19 and lost my position with XXXX which was XXXX XXXX XXXX. I called XXXX XXXX immediately after losing my job in XXXX and I was stuck at home with my kids since the school closed. I was offered a 3 month deferral on payments since I lost my job. I never spoke to an agent and was offered this option immediately when I signed on to my mortgage account online. The verbiage stated the deferred payments were due at the end of 3 months or could be added to the end of the loan. I took the option and planned on resume my loa. payments in XX/XX/2020. PACE informed me that since my loan was in a Foreberrance/Foreclosure status PACE was unable to offer any financing. I called XXXX XXXX XXXX  immediately and tried to discuss with them any options to have this damaging items removed off of my credit. XXXX XXXX assured me that I was protected under the " Cares Act '' and the credit bureaus were not reporting negatively against my credit or credit score. They assured me that I was protected against adverse action or discriminaction against creditors. I explained that PACE wanted documentation showing my deferment agreement but they reassured me that I was protected under the " Cares Act '' and it shouldn't be a problem. PACE refused to offer me credit based on my position at XXXX being terminated and I qualified under the " Cares Act ' for a deferment of a few mortgage payments. The mortgage had consecutive payments for 60months + prior to this deferral. Please investigate business practices and automatic denial of credit based on COVID 19 and protection of consumers under " Cares Act ''.
Consumer complaint received 2020-08-09
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: Experian Information Solutions Inc. (TX)

I submitted a dispute to Experian on XX/XX/2020, regarding collection accounts that are reported on my credit history. The collections and bad debts are all linked to an address that is not even mine. Additionally, Experian added that false address onto my credit report so as to make the collection accounts appear valid, and make themselves look better. There are numerous bank card accounts and collections that are duplicates, and the bureau is building a foundation of false information on my report in order to keep these bad debts on my record.
Consumer complaint received 2020-08-09
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

About a month and a half ago there was multiple transactions on my XXXX debit card over a100 they  were all nearly the same amount even some of them being at the exact same time same day and same amount that is not even humanly possible for an individual to do they were as well out of the country so I filed a dispute and Bank of America credited my account for that amount however just two weeks ago they sent me a statement stating that I lost the dispute and they reversed the credit so my account is {$2800.00} negative however it was {$3800.00} negative but when I certified my benefits last week they took my whole amount It is unfair that I lost the dispute considering the fact that its 100 % obvious its fraud but the fact that that is my only means of income and I am being financially deprived of it and My rights as a consumer are being violated
Consumer complaint received 2020-08-09
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

According to the Fair Credit Reporting Act ( hereafter referred to as " FCRA '' ), Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
Therefore, I am demanding to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX US DEPT OF EDUCATION # XXXX US DEPT OF EDUCATION # XXXX US DEPT OF EDUCATION # 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 2020-08-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HILLTOP HOLDINGS, INC (IN)

My initial interest rate was locked for 30 days. I was not given a choice of how long I wanted to lock my initial interest rate. My original closing date was XX/XX/2020. My interest rate was initially locked until XX/XX/2020. My closing date was pushed to XX/XX/2020. I was charged a fee ( over {$300.00} ) to keep my interest rate locked until XX/XX/2020. 

I was never notified in writing or verbally that there would be any fees if my interest rate expired before my closing date. I was instead charged in my closing disclosures the extension fees. 

I looked on the loan website to see if there was any information available about possible consequences if an interest rate locking expired before the closing date. The only information I could find stated " You can lock in your rate for up to 180 days ( additional restrictions and fees may apply for lock terms in excess of 90 days ). This guarantees your rate lock for the entire lock period. '' To me, this reads that from 0-90 days there is no fee. I was not given the option if I wanted to initially lock in for 90 days. Additionally, my closing date ( XX/XX/2020 ) does not exceed the 90 days, but I am being charged.
Consumer complaint received 2020-08-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: PNC Bank N.A. (FL)

I attempted to sign up with XXXX and XXXX to help build my credit and savings portfolio but my bank PNC does not allow these services or other credit building services other than their own. I am unable to build my credit thanks to PNC 's rules.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MS)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX is complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-06-08
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. (DC)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2020-08-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

This involves both the bill pay feature of a checking account and a VISA account with Bank of America. Bank of America puts bill pay requests " in process '' before the " pay by '' date, making the money unavailable to the customer. At the same time, it has begun making electronic transfers to vendors after normal business hours on the " pay by '' date. Also at the same time, it has stopped crediting electronic payments to its VISA accounts on the day those payments are received, but instead credits them on the next business day. Through this process, it has increased its float on both the bill pay feature of checking accounts and its credit card business and has charged interest on the period between when the VISA account payments is received and when it is credited. These amounts may be de minimis for any single customer ( I was charged {$1.00} interest which was refunded without even being asked for an explanation ), but given the number of transactions involved, this amounts to a considerable transfer from customers as a group to Bank of America.
Consumer complaint received 2020-08-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My car loan balance was reported wrong by XXXX XXXX XXXX  XXXX XXXX. Now, XXXX XXXX XXXX XXXX XXXX stopped reporting the correct car loan balance and deleted my account from TransUnion credit report - causing my credit score to drop by 20 points in TransUnion.
Consumer complaint received 2022-04-19
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: AES/PHEAA (OH)

School was closed and they failed to keep communication about loans and grants after I applied for school finances. I have applied for loan forgiveness a few times, along the applying the the programs through the COVID times. At the time of my attending they said they would being closing before my degree was finished for legal matters. What I need to do to resolve this cause it is still showing up on my credit reports and accounts when I try to enroll with other schools and they fail to communicate with me. 

Student ID : XXXXXXXX
Consumer complaint received 2020-08-09
Product: Mortgage — VA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Freedom Mortgage Company (WA)

My mortgage was originally with XXXX XXXX XXXX XXXX and was sold to Freedom Mortgage recently. When XXXX XXXX XXXX XXXX closed the account my FICO scores for the three major credit reporting bureaus XXXX, XXXX, and XXXX took major negative hits according to my account through XXXX. I contacted XXXX who mentioned Freedom Mortgage must report the home loan with all the past history dating back from the time it was with XXXX XXXX XXXX XXXX. I contacted Freedom Mortgage concerning this issue and their response was they have 60-days to report to the credit bureaus after a loan transfer and refused to report current information. Meanwhile Freedom Mortgage keeps asking if I want to refinance. I DO NOT because my current credit score took a major hit due to the loan transfer which would result in higher rates. This is an extremely shady practice on Freedom Mortgage part.
Consumer complaint received 2020-08-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-06-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (GA)

I only been with pnc bank for a little over month. And in that month they have susppend my debit card 3 times without giving any warning nor explaintion s to why. I just will up one day tried to use it and it came back wrong information I called almost everyday and everyone would tell me so many different things out put my in hold for 30 min to 11/2 hrs. Finally after going back and forth and staying on the phone I was told who to call to find out about the whole. I finally talked to MsXXXX XXXX she's the antiluis for pnc. She verified my info and told pnc to left hold all hold were lifted. I went on starting paying money to online service a couple times I used it at atm. To get cash for money orders and things. Well 3 days later it was cut off again but this time they say they closed my card completely. I still don't know why they did it nothing changed I shop mostly online I pretty much do everything online because I don't leave house. Me I don't really see where they had any reason to do this. Now I'm having problem getting them to link my other account.
Consumer complaint received 2020-08-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am a victim and a senior citizen of homeowner to be foreclosed for my primary resident which claimed " a shelter or a home '' for my family and we purchased our shelter since XX/XX/XXXX and I worked very hard with 3 jobs and was working for 7 days a week in the young hood due to predatory loan and we could not be paid off in our lifetime so I was behind payments and then I was trying my effort to looking for counsels to do Modifications for foreclosure defenses but Bank was refusing and previous counsel was corruption and conspiracy with a trustee to make us to be " HOMELESS '' we were unaware of foreclosure during taking place on XX/XX/XXXX early morning ( a next day of Independence day ) but we thought that we engaged a counsel to postpone of foreclosure and deal with Modification or reinstatement as prior with {$45000.00} forbearance in XXXX and paid no less than XXXX XXXX XXXX for our shelter. WE complained an essential element of taking place in foreclosure incident due to ( 1 ) with an evil and crooked of my previous counsel, XXXX ; ( 2 ) Bank 's counsel and trustee Foreclosure was taken place on XX/XX/XXXX because my previous counsel practiced of wrong direction and misleading and I wanted him to restore my behind Mortgage but he was greedy to obtain his own interest and betrayed us and failed of his duty.
Consumer complaint received 2020-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I have a loan with CAPITAL ONE BANK USA. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and CAPITAL ONE BANK USA with no successful resolution. XXXX is only reporting me late. There was definitely an error on their part.
Consumer complaint received 2020-08-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (CA)

To Whom it May Concern : This is the second time I have had to report Midland Credit Management Inc. I previously contested a fraudulent account made under my name, providing documentation that I was living out of the country at the time a card was opened in my name in the United States. Midland Credit Management continues to harrass me even after I disputed the account. I then filed a claim with your department and the claim was dismissed. At the same time they began sending me letters and calling me about an account from XXXX XXXX. I also called them, and on at least three occasions requested the phone calls be recorded, and then asked them to send statements of the XXXX XXXX account to verify these were charges I made. They have failed over the last few months to provide proof, where the burden of proof that this account was mine has still not been fulfilled. They then sent me a letter of pre-legal notice saying to respond by XX/XX/XXXX. 
As previously stated I have asked for documentation from Midland Credit for several months, providing details of the XXXX XXXXXXXX account. I am challenging their threatening practice as well as their right to sure when the have refused to provide me information before disputing the account. This account is stated to have been charged off in XX/XX/XXXX, during which I was also out of the country. I have already provided copies of my XXXX XXXX from XXXX showing I was residing there from XXXX onwards. 
Midland 's practices are unethical and I am requesting this matter be addressed.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 2023-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion, XXXX. XXXX continues to report inaccurate credit score and last names that should not be in my credit report. I was denied housing by XXXX XXXX on XX/XX/23 due to inaccurate credit score reporting on the Transunion credit check difference by 100 points lower than actual score and information more than 20 yrs old from a driving record that does not belong to me.
Consumer complaint received 2020-08-09
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: Experian Information Solutions Inc. (IL)

The following inquiries are fraudulent and im demanding that they be removed. 

1 ) XXXX XXXX ( XXXX ) 2 ) XXXX  ( XXXX ) 3 ) XXXX XXXX ( XXXX ) 4 ) XXXX XXXX ( XXXX ) 5 ) XXXX  XXXX ( XXXX ) 6 ) XXXX  XXXX ( XXXX ) 7 ) XXXX ( XXXX ) 8 ) XXXX ( XXXX ) 9 ) XXXX ( XXXX ) XXXX ) XXXX XXXX   ( XXXX ) 11 ) XXXX  XXXX ( XXXX ) 12 ) XXXX ( XXXX ) 13 ) XXXX XXXX ( XXXX ) 14 ) XXXX XXXX ( XXXX )