davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-13
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. CHAPTERXXXXBANKRUPTCYDISMISSED XXXX CHAPTERXXXXBANKRUPTCYDISMISSED XXXX
Consumer complaint received 2020-08-13
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (LA)

i check my credit report and notice a collection from JEFFERSON CAPITAL SYSTEM on XX/XX/2020 with an alleged debt of XXXX $ that i don't owe or never sign up for this account with XXXX direct marketing.I sent them a letter requesting validity of the alleged debt  in question along with other information on XX/XX/2020 in which i have not receive anything as of yet.I also attached a copy concerning this complaint.
Consumer complaint received 2020-08-13
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)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2022-11-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NJ)

XX/XX/2022 I called Venmo to close my personal and business account. As of XX/XX/2022 the problem remains unresolved. To speak with me they required I submit a copy of my Driver 's License to verify who my identify. To close my account they need a copy of my bank statement. I have submitted my bank statement 3 times. They tell me there is a problem with their system, engineers are working on it and for many business accounts they are unable to receive documents. Despite it being " escalated '' there is no target date for resolution. Additionally, they will not accept an email of the scanned bank statement to solve the problem.
Consumer complaint received 2020-08-13
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)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2020-08-13
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

This has been a total nightmare. I never thought I would be trying to track down escrow funds paid at closing on XX/XX/XXXX. 

Various phone calls were made in XXXX and again in XX/XX/XXXX to Bank of America when I received my first and second statements advising I didn't feel the escrow amount was correct and I was always given some response that didn't make since but 2 different people pretty much gave the same reply " It will show up at years end '' so I went with it ... Unfortunately, my account was passed on before year end and the confusion escalated to lost money in the amount of {$2200.00} that never made it to my escrow account. 

During the closing the notary advised the Seller ( my sister in law ) that she would be getting {$2200.00} back. The seller left going out of town the following day and would be gone for 30 days. I was asked to follow-up for her and to keep a watch out ... When I contacted XXXX a couple days after the closing I was advised the seller would not be getting any funds back but, the seller was suppose to pay {$2200.00} and that they were still pending those funds '' " The {$2200.00} is just a straight proration, it's a credit to you and a debit to the seller. The impound/escrow account set up for the taxes is the " Property Taxes ( {$500.00} per month for 9 mo. ) '' for a total of {$4500.00}. When that account pays the taxes, probably in XXXX, it'll pay the entirety of the XXXX taxes, but the proration was done so that at closing, you were credited for the number of days that you didn't own the property in XXXX ''. ) XXXX assured me the {$2200.00} would be going toward taxes.. 

My loan was passed on to XXXX XX/XX/XXXX. I received notification in XX/XX/XXXX that my escrow account was short {$2800.00} and my house payment would be increasing from {$1000.00} to {$1300.00}. Calls started with Bank of America XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX trying to track down money that should have been applied toward the escrow. This still has not cleared up. 
I received a call from Bk of Am on XX/XX/XXXX advising there was a mistake in the amount due at closing. The house sold for {$97000.00} the pay off was {$96000.00} in which XXXX XXXX confirmed was received. However Bank of America is now indicating it should have been {$99000.00} and the additional {$2200.00} made up for the difference. The total amount sent toward the Escrow by Bk of America to XXXX was {$3900.00} which includes {$630.00} x 3 =  {$1800.00} included in the monthly house payment + an additional {$2000.00} from the {$4800.00} I paid during closing. There was an additional {$2200.00} paid on XX/XX/XXXX by me that was to go toward the taxes prior to the purchase but this was not given to the new servicer nor was it sent to the previous servicer XXXX XXXX XXXX and this is what I am disputing. Bk of America is refusing to send the pre purchase tax money that was to be put into escrow to RoundPoint..
Consumer complaint received 2020-08-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

I overpaid my mortgage bill, should go towards principle, and that amount is not being credited towards my principle balance. Therefore the lender gets to charge interest on the outstanding principle, without regard to the principle-payment I made. They are placing that over-payment in 'Suspense ' account. They said they can keep those funds in 'Suspense ' for up to 15 days, and charge interest for those 15 days.
Consumer complaint received 2023-03-17
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. (PA)

Fraudulent Accounts and Inquiries Appearing On Credit Report. 

XXXX. XXXXXXXX XXXX {$710.00} XXXX. XXXX XXXX {$720.00} XXXX. XXXX XXXX {$270.00} XXXX. XXXX XXXX {$720.00} Inquiries XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX
Consumer complaint received 2020-08-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I have had a mortgage with Bank of America since XXXX. In XX/XX/XXXX, I refinanced with another bank and paid off the BoA mortgage. The escrow company sent BoA {$210000.00} on XXXX XX/XX/XXXX. As of XXXX XXXX, BoA ( 1 ) has not credited the money against my mortgage to them ; and ( 2 ) has obstructed my ability to speak with them about the missing money. They only provide one contact mechanism about this matter : their XXXX phone number. I tried to call them on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. In all cases, I was held on hold for more than 90 minutes each time, and each time after that wait, the agent said " I can't help you '' and hung up on me. My credit report now shows TWO mortgages outstanding and is lowering my credit score because while my mortgage obligations have doubled, my income is down during the COVID crisis. BoA is holding XXXX of my money, plus escrow amounts ( around an additional {$10000.00} ),  and refusing to discuss it, leading to harm to me. 

They should be held accountable. I can get a BoA employee on the phone to discuss a new mortgage or a refinance in less than five minutes, but discussing an existing mortgage means HOURS on hold and then 'Sorry we can't help you, ' and hanging up on me. The physical branches of BoA have " Home loan specialists '' on staff, but they state they can not address this matter and it can only be resolved through the XXXX  number, which BoA is effectively not answering ( while holding on several XXXX XXXX dollars of my money ). This is unacceptable -- right now, it is theft by an CFPB-regulated firm.
Consumer complaint received 2020-08-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (LA)

I notice a negative item from midland credit management on XX/XX/XXXX for an alleged debt that i do not owe, so on XX/XX/XXXX I sent them a letter for the account number XX/XX/XXXX being reported, asking for validity of the alleged debt in its entirety.i have attached a copy of the  letter below.
Consumer complaint received 2020-08-14
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I have a loan with PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX ) and PORTFOLIO. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX ) and PORTFOLIO with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Since COVID-19 pandemic I entered into an agreement with my mortgage co into a forbearance. They reported to Trans Union that I was delinquent on my XXXX payment. I'm on a forberance plan with them which states I will not be reported to the credit bureau. I called TransUnion because my credit score dropped 90 pts. and was told my mortgage company reported I was delinquent on my XX/XX/XXXX payment and that I was in Chapter XXXX bankruptcy. I was discharged from my bankruptcy 1 year ago after having it on my credit report for 10 years. XXXX can not add a statement in my credit recordabout being in bankruptcy when I did my part and have a record on my credit report for 10 years and being discharged 1 one ago. I started a dispute with Trans Union. I immediately call my mortgage company to find out why this happened and they apologized and would fix the problem. I waited one month for the dispute to be over. I called today XX/XX/XXXX to TransUnion to ask about the results from my dispute and was told my mortgage company came back with a no change status results. I called my mortgage company and spoke to a supervisor and he told me that XXXX did response as of XX/XX/XXXX but I would not see the results for a couple of weeks. I again on XX/XX/XXXX called back Transunion to ask when the results of my dispute would be updated. I was told results are updated immediately and XXXX did respond with a no change status. I started a new dispute. After I called XXXX again to complain about my situation and was told by customer service that my dispute/complaint would have to be sent to them in writing. I don't understand why and how XXXX   can get away with this. I have excellent credit history and now my score in 90 pts less. I did have a bankruptcy that started in XX/XX/XXXX and ended in XX/XX/XXXX I was discharged. I did not add my mortgage in my bankruptcy. I have been paying it ever since until I lost my job during this pandemic. XXXX can not add anything having to do with my prior bankruptcy or missing a payment as Im in a forberance plan with XXXX. Please help
Consumer complaint received 2020-08-13
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. (AR)

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX  XXXX {$4500.00} XXXX XXXX {$1000.00} XXXX XXXX CHAPTERBANKRUPTCYDISMISSED XXXX XXXX XXXX {$2000.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$5600.00} XXXX XXXX XXXX XXXX {$590.00}
Consumer complaint received 2020-06-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BBVA FINANCIAL CORPORATION (CT)

On XX/XX/2020 I opened a checking account at XXXX. I did so due to a promotion that I saw on the internet stating that if I made an electronic deposit of {$500.00} or more to my checking account I would receive a {$200.00} bonus within 60 days of opening ( XX/XX/2020 ), and if I met that criteria, and opened a savings account that had a balance of {$500.00} on XX/XX/2020, I would receive a {$50.00} bonus in addition to the {$200.00} bonus for a total bonus of {$250.00}. I deposited {$500.00} electronically on XX/XX/2020 to my checking account and on XX/XX/2020 I also deposited {$500.00} to my savings account via electronic deposit. I have attached both statements to this complaint. More than 60 days have gone by since I opened the account on XX/XX/2020. In fact, it has been nearly 120 days and I have not received the bonus. I would like the {$250.00} to be deposited into either my checking or savings account without further delay. I am on social security XXXX, receiving {$2200.00} per month for myself and XXXX children. I thought that the {$250.00} I was expecting from XXXX would help my family with expenses during the covid XXXX pandemic, but I was wrong, I opened the account, and put my money in there and got nothing. It clearly states in the instructions for getting the bonus that : " Within sixty ( XXXX XXXX days of account opening, at least XXXX electronic deposit from an unrelated XXXX party, of {$500.00} or more to your checking account, and have a balance of {$500.00} in your savings account as of XX/XX/2020 ''
Consumer complaint received 2022-11-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC (AZ)

My mother XXXX XXXX was told by a rep from XXXX XXXX that if she got their services she would not have an electric bill and more and just make her loan payments reg loan payments which are XXXXWe were told wishing XXXX days the panels would be up and running, till this day the project isn't complete and our roof was damaged plus we have been paying both electric and loan payments since this started in XXXX of XXXX.From the time the contract was singed we asked for a copy and could not get one.We had to get an attorney to give us a copy of the solar power contract, just a little bit before that we got a copy of the goodleap contract.We asked and waited and waited.We found that there was an erroneous email listed on both contracts which is why we did not receive then until mush later.The loan company gave no explanation as to who's email address it is and who gave it to them.There was an erroneous yahoo address that had my mothers name in it, we have never seen it ond no one could tell us who gave it to them.The solar power company claimed it was pulled from the electric company contract which was false.the electric company contract had the correct one on it.That means someone put this address that they had access to on my mothers contracts and had been getting her emails. THESE PEOPLE ARE FRAUDS AND WE WANT LEGAL ACTION TAKEN. THEY CAN NOT TELL US HOW THIS HAPPENED. CONVENIENTLY THE XXXX-DAY CANCELLATION PERIOD WAS UNKNOWN TO US UNTIL WE FINALLY RETRIEVED IT, HAD PASSED. WE WANT THE CONTRACT ELIMINATED, THESE GUYS ARE CON ARTISTS.ALSO, WE LATER FIND OUT THAT AFTER XXXXMO PAYMENTS GO UP TO {$450.00}, WHICH WE WOULD NOT HAVE MOVED FORWARD WITH HAD WE HAD OUR CONTRACT TO REVIEW, WE HAD A HEARING WITH THE ROC AGAINST THEIR CONTRACTOR WHO FRAUDED US AND THEY WERE FOUND GUILTY ON ALL CHARGES, THEY CONTINUOUSLY LIED IN COURT JUST LIKE GOODLEAP AND NOW IT WILL GO TO A COURT OF LAW.LYING DID NIETHER ONE OF THEM ANY GOOD.
Consumer complaint received 2020-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I have reviewed the response from experian. They DO NOT have the right to tell me that i didnt file this complaint. I provided everything they needed to prove who I am. If this is not taking care of IMMEDIATLEY! i will SUE!
Consumer complaint received 2020-08-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Creditor's Collection Service, Inc. (VA)

A debt validation letter was sent to CREDITORS COLLECTION SERVICES ON XX/XX/2020, certified with regard to a debt that appears on my credit report. CREDITORS COLLECTION SERVICES responded by letter that was received by me on XX/XX/2020. A response letter was sent back to CREDITORS COLLECTION SERVICES ON XX/XX/2020. The response that was sent to me a statement not a signed invoice had two different amounts on it for XXXX, and then XXXX for patient balance due, and then XXXX on my credit report. I have not received a response from CREDITORS COLLECTION SERVICES with the proper documents. 

What is reported on credit report : XXXX XXXX OF XXXX : XXXX
Consumer complaint received 2022-11-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (TX)

I have noticed that Nelnet has a " XXXX '' option that offers to lower your interest rates by 0.25 % if used. Why can they alter the original loan agreement and selectively adjust interest rates? I am not sure if I trust this service. Upon reading about other borrower experiences, it appears that Nelnet utilizes the " XXXX, '' feature to control where payments are applied, including, using the loan payments for the lowest-interest loans while allowing the higher-interest loans to accumulate. Some reviews indicated that the imbalance of focusing payments on the lower-interest loans while allowing the larger-interest loans to accumulate actually resulted in having to pay more to Nelnet overtime erasing the supposed savings of the 0.25 % reduction and in some cases increasing the amount paid over the life of a loan. This entire practice and option seem rather suspicious to me. If they have the ability to adjust interest rates at will, what is to prevent them from raising my interest rates currently? In addition, if they have this power, am I able to simply petition them to set my interest rates lower? Any information is greatly appreciated. Thank you!
Consumer complaint received 2020-08-13
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. (TX)

I have submitted requests to have an inquiry to be removed from my Experian Credit Bureau report ... .no response from Experian . I will attach the letter with this complaint.
Consumer complaint received 2020-08-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Franklin Collection Service, Inc. (CA)

I have these on my credit report reporting on my collections. I have two exact same amount from XXXX  and FRANKLIN COLLECTION SERV. I never got anything in the mail or was contacted about this. I am not sure how old this is or if it even belong to me.
Consumer complaint received 2020-08-13
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)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.