davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Tower Loan of Mississippi, Inc. (MO)

On XX/XX/XXXX I was told by Tower Loan that I could refinance my loan, giving me back $XXXX cash in my pocket and that would bring my loan current (for XXXX and XXXX payments)- therefore I had the money to spend on other bills. I was told I had to come in the office to sign the necessary paperwork. Once I got there, I was told that was not an option and that I needed to make my payment THAT DAY. I asked if the refinance option offered to me was a way to lure me into the office to get me to try to pay and they said, unfortunately, yes and we do apologize. I left the office. This took time away from my work schedule, and I clearly could have made the payment over the phone IF I had the funds available to me, which I did not!
 I have since made my XXXX payment and as of XX/XX/XXXX I owe my XXXX payment of $XXXX. I told them I would pay this over the phone on XX/XX/XXXX and they agreed that was ok. AFTER I made this payment arrangement, a different employee called me 5 minutes later asking for payment. I told this person I JUST spoke to someone in their office and set up a promise to pay, they apologized and hung up. This is a small office (5-6 employees total, maybe). On XX/XX/XXXX, they called me at XXXX, left a voicemail, again at XXXX and again at XXXX. This is 3 times in less than one hour. On the 3rd phone call, I answered, WHILE DRIVING, which is distracting and explained to them I had told them I was already set up to pay on XX/XX/XXXX and he said if I did not pay today (XX/XX/XXXX) they would increase my monthly payments by $XXXX and report me to the credit bureaus. This is harassing to me, they have lied on numerous occasions and I do not feel they should be able to contact me 3 times in 40 minutes.
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX does not have any way to contact them to dispute. They keep reporting my account in collection when I have already paid them in full. This inaccurate negative reporting has gone on for several months now and is affecting my credit privileges.
Consumer complaint received 2022-03-19
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. (PA)

It's unfortunate it has come to reporting these companies that are supposed to be reporting our credit fairly and supporting us. That said it has been well over XXXX months, just this month I spent {$80.00} in certified mail disputing. I have been providing clear and legal documents which I'll include. I have been getting the letters notarized by the state of Pennsylvania, making it a legal affidavit. I have been including more personal information they even need to identify me. All included in the files I attached, this is holding my life back and my family. I am so XXXX  please help and hold these companies responsible for their complete lack of responsibility to uphold the law. I want this fraudulent information off my credit report immediately.
Consumer complaint received 2022-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

I am writing to dispute the late payment reported in my credit reports as a result of wrong information reported by XXXX XXXX. I have 30 days late payment reported in my credit report of XX/XX/XXXX. I have had this account for about two years now and never was there any late payment because I did set up an automatic payment. However, in late XXXX or early XX/XX/XXXX I called XXXX XXXX and requested to have the interest reduced since my finances were tight then due to COVID-19 financial effects. XXXX refused to extend help to me to lower my monthly payment even after I explained that I would have problems making the minimum payment. The agent advised that perhaps if I had some missed payment I could qualify for a program. I told agent I would pay whatever I had. 

I called again in XX/XX/XXXX and wanted to get the payoff amount because my finances improved. The agent asked if I wanted to pay off the complete balance and I said yes. I did not know that the agent turned off automatic payment I had and that was why there was no payment in XX/XX/XXXX. However, when I received an alert message from XXXX in XX/XX/XXXX, I hurriedly made payment of {$70.00} on XX/XX/XXXX ( please check ). Then on XX/XX/XXXX, I paid off the balance ( please check ). 

I have never had late payment I paid on time and with automatic payment set up ; I called to get a payoff amount ; I continued to pay even when I had difficulties ; I made payment when I got an alert that payment was missed ; I paid off the card ; I have continued to use card and have continued to make payments ' I have written XXXX XXXXXXXX in XXXX and in XXXX to remove the late payment but they have refused. 

Thank you very much. 

Sincerely,
Consumer complaint received 2017-08-16
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Protection Association, L.P. (NY)

This was a bill with XXXX XXXX XXXX, when I shut it off I made arraignments to pay it off threw XXXX XXXX XXXX took over and I continued to pay, XXXX gave it to collection company XXXX XXXX XXXX in XXXX Tx on XXXX XXXX 2017 the cashed check # XXXX for XXXX dollars on XXXX XXXX 2017 they reported to credit beau that I was too months behind this is a case of fraud I called up the company and they told me they see the payment some thing has to be done with these people.The out  standing balance was XXXX which I paid in full.
Consumer complaint received 2022-03-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (TX)

I submitted a dispute for 3 transactions. 1 unauthorized the other paid by another method. The third one I was advised it could not be disputed because it was past 60 days. Recently the unauthorized transaction was as denied ; reason it is past 60 days and the other there was no reason given. When I called the bank they referred me back to the merchant. I asked to speak with a supervisor, called and emailed consumer relations for assistance several times I have not received a reply or call back. Its been 4 weeks. Ive given them enough time to resolve the problem with my checking account. Since then it was closed in the middle of a dispute with no notification or correspondence. The only notification I received was asking if I made changes to my XXXX profile.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this 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 2018-05-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Bureau is refusing to remove inquiries that were obtained without my permission, I have sent them numerous requests asking to remove them and they have not ; so I'm filing this complaint against them for unfair credit reporting XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX inquiry from XX/XX/XXXX
Consumer complaint received 2022-08-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (IN)

I got scammed by fake XXXX customer services for XXXX dollars ( Their statement was to send them money so they can verify my identity ). The date I got scammed was XX/XX/2022. However, when I contacted my bank the day after, they said it is already too late for them to decline the transaction.
Consumer complaint received 2019-07-17
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. (GA)

Reporting agencies are failing over and over and over to remove fraudulent attempts to apply for credit because of a Security breach at XXXX XXXX XXXX in 2013, due to this identity theft. Despite my efforts of disputing this matter the federal court case remains as a public record on my credit.
Consumer complaint received 2017-08-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (TX)

I transferred {$4000.00} to Coinbase : Bank Name XXXX XXXX XXXX Bank Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX United States Account number XXXX Routing Number XXXX Recipient Name Coinbase, Inc Recipient Address XXXX XXXX XXXX, # XXXX, XXXX XXXX, CA XXXX Reference Number : XXXX I sent the money from XXXX : From : Account : INDIVIDUAL ( XXXX ) Action : Transfer cash To : Account : XXXX XXXX XXXX  Account Number : XXXX Bank Routing Number : XXXX Wire Amount : {$4000.00} Transfer Fee : {$10.00} Total Amount : {$4000.00} I have contacted both XXXX XXXX  XXXX XXXX XXXX who both verify that Coinbase has my money. I have attempted to get into contact with Coinbase via E-mail, their support portal on their website, I have tried calling them ( they have no numbers publicly available ), and I also tried reaching out to them on XXXX  and reversing the wire transfer through XXXX to no avail. At this point the money is being held hostage by Coinbase and I can not get in touch with any individual who may be able to help me. I have read online and a number of users have had issues with Coinbase holding their funds hostage/in limbo. Any help with this matter would be greatly appreciated.
Consumer complaint received 2015-11-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Real Time Group, Inc. (NY)

Real Time Resolutions refuses to stop reporting to the Credit Agencies that it is a closed collection account. Every month they report a late payment on an open account, I have tried numerous times to stop this and they refuse. XXXX has even called them with me on the phone to confirm that it is a closed collection account and they then admit that it is a closed collection account. However Real time tells XXXX to send in writing to confirm its a closed account before they will stop. This happens every month. What can I do to stop this false reporting by Real Time Resolution.
Consumer complaint received 2022-03-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

XXXX XXXX XXXX and XXXX I have reached out to the company and debt collector and I have also made a dispute. 
XX/XX/XXXX I have reached out to the company and to the debt collector and I have also made a dispute. 
XX/XX/XXXX XXXX and XXXX I have reached out to the company and the debt collector and I have also made a dispute. 
XX/XX/XXXX recent balance XX/XX/XXXX XXXX I have reached out to the company and the debt collector and I have also made a dispute. 
XX/XX/XXXX recent balance XX/XX/XXXX XXXX I have reached out to the company and to the debt collector I have also made a dispute
Consumer complaint received 2022-03-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (FL)

1. I was charged a {$36.00} over draft fee for check number XXXX on XX/XX/XXXX. 2. End of day balance for XX/XX/XXXX was {$1.00} AFTER the {$36.00} fee. 3. This fee was based on PENDING items. 4. PENDING items are monies not yet requested by the merchant. 5. PENDING items do not always occur and some will drop off. 6. It is not accurate to access fees based on these PENDING transactions. 7. Accessing fees on PENDING items are nothing more than a money grab by irresponsible banking systems. 8. AND by assessing this fee now, those PENDING items, when or if requested by merchant will assess further overdraft fees. 9. Lastly, BB & T is noted as provider on my account, I was not, nor have I been a BB & T customer.
Consumer complaint received 2022-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

The information being reported is incorrect : XXXXXXXX XXXX  XXXX Act. # XXXX XXXX XXXX XXXX Balance {$570.00} XXXX XXXX XXXX Balance {$960.00} XXXX XXXX  XXXX Balance {$2000.00} XXXX XXXX XXXX Balance {$560.00} XXXX XXXX XXXX  Balance {$420.00} XXXX XXXX XXXX Balance {$250.00} XXXX XXXX XXXX Balance {$250.00} XXXX XXXX XXXX Balance {$350.00} XXXX XXXX XXXX Balance {$2700.00} XXXX XXXX XXXX Balance {$4200.00} XXXX XXXX XXXX Balance {$1200.00} XXXX XXXX  Balance {$190.00}
Consumer complaint received 2022-03-19
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. (MO)

This is now my third time disputing this collection account with Experian. Both times previously, they confirmed that everything is reporting accurately. However, there are still major inaccuracies with the collection account and the original creditor. I do not think they ever fully investigated my previous claims which is why I am contacting the CFPB. This is a direct violation of FCRA 15 U.S.C. 168. These inaccuracies are negatively impacting my credit report, and ALL should be deleted immediately. 

XXXX XXXX XXXX - Acct XXXX is showing an open date of XX/XX/XXXX, but this account was allegedly charged off by the original creditor in XX/XX/XXXX. How can an account be opened with the original creditor and sold to a collection agency in the same month? 

XXXX XXXX Acct XXXX Is the alleged original creditor of the above collection account. They are also showing an open date of XX/XX/XXXX, but again the account was also reported 180 days late in XX/XX/XXXX. So again, how can an account be opened and reported 180 days late in the same month. They also reported payments in XXXX and XXXX. So how can there be payments to an account in XXXX and XXXX, but the account wasn't opened until XXXX. 

Furthermore, the collection account XXXX XXXX is also reporting me past due.. From my understanding collection accounts are not supposed to include a history of late payment or a past due balance, as I do not have any payment agreements currently set in place with this agency. The collection agency claiming a history of late payments and past due balances is a false representation of my relationship with them. They can not report any payment history of late payments or past due balance on an account from the alleged creditor before them. A collection is by default derogatory and this goes without saying. Both XXXX XXXX and XXXX XXXX XXXX XXXX needs to be deleted immediately. 

Again, this is my third time disputing and you continue to report inaccurate information. You've had two other chances to correct my report, yet it is still wrong. Delete both of these accounts immediately, as it is clear they were never investigated. 

I am including screenshots from Experian showing the original creditor with open date of XX/XX/XXXX and payments made in XXXX and XXXX. I am also including the dispute investigation from experian
Consumer complaint received 2019-07-12
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Midwest Service Bureau, Inc. (KS)

Company is repeatedly calling me in a short period of time. They are affecting my place of work, as well. They are calling both my personal cell phone and my place of employment with no regard to my requests to stop. 

Here are the date, times, phone numbers they used, the location of the call ( work or cell ), if they left a voicemail, and what was discussed when they spoke with me or message on voicemail. 

Date Time Phone # Called From location called XXXX? What was said XX/XX/2019 XXXX XXXX XXXX Cell no XX/XX/2019 XXXX XXXX XXXX Cell no XX/XX/2019 XXXX XXXX Unknown Work, call transferred - Advised not to call me at my job, would not verify personal information at this time, call rep became hostile. 
XX/XX/2019 XXXX XXXX  XXXX Cell Yes 53 second voicemail, did not say anything XX/XX/2019 XXXX XXXX   XXXX Cell no XX/XX/2019 XXXX XXXX BLOCKED CALLER ID Cell no XX/XX/2019 XXXX XXXX XXXX Cell no XX/XX/2019 XXXX XXXX XXXX Cell no XX/XX/2019 XXXX XXXX  Unknown Work, call transferred no attempted to verify personal information, after I clarified not to contact me at work again, disconnected call XX/XX/2019 XXXX XXXX XXXX Cell no XX/XX/2019 XXXX XXXX XXXX Cell no
Consumer complaint received 2022-03-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (PA)

In XXXX of 2020, I initiated a request for my mortgage loan which is serviced by Pennymac to be reviewed for PMI ( private mortgage insurance ) deletion. The process involved paying for a third-party broker price opinion. Due to improvements I had made to my home, especially a new roof I had installed in 2020, I was told ( and independently verified with XXXX XXXX XXXX servicer guide - XXXX XXXX is the owner of the loan ) that I would qualify for PMI deletion if the broker price opinion reflected a home value such that my LTV ( loan-to-value ) ratio at the new value was under 80 %. On background, any XXXX XXXX  loan less than 2 years old is eligible for PMI deletion if significant improvements have been made to the home and the LTV after the improvements is less than 80 %. I went through the process, which took about a month, and paid the {$100.00} BPO fee. 

About a week later, I hadn't heard back so I reached out to Pennymac. I was inform that I needed to send a roofing invoice and pictures of the roof. This was fine, and I did my best to take a good picture and provide the invoice. I asked and was informed that the BPO reflected a valuation of {$270000.00}, which is WELL above the level it needed to be to delete PMI ( my current mortgage balance is just below {$190000.00}, resulting in a new LTV of below 72 % ). 

This morning, I received a notice stating that upon further review Pennymac determined that my valuation was too low to meet the mortgage investor 's criteria for deletion. This is incorrect both based on the XXXX XXXX servicer guide and on what I have already been told by Pennymac. They are fraudulently forcing me to continue paying for PMI despite the fact that it is no longer necessary. It is egregious that the process has taken over a month, that Pennymac is not following the XXXX XXXX servicer guide, and that I've clearly received incorrect information. 

( CC : XXXX XXXX XXXX, XXXX XXXX )
Consumer complaint received 2022-08-29
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: Experian Information Solutions Inc. (AL)

In accordance with the Fair Credit Reporting act ( Account, XXXX  Account # XXXX ), has violated my rights. 

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
Consumer complaint received 2022-03-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE (PA)

I never authorized a hard credit inquiry. The loan officer XXXX XXXX, li

ed about leaving a voi cemail for me. The supervisor never returned a call. The application online is very misleading. I never entered my SSN and stopped the application at the point it asked for credit pull authorization. The only way it could
have been pulled, would be that they got my SSN from a previous application. 

Huntington Bank XXXX ID # XXXX ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2022-03-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST CITIZENS BANCSHARES, INC. (GA)

Well the bank is first Citizens Bank they said that when I made my deposit that my check didn't clear they said that my account basically was fraudulent they said that the deposit that I made was fraudulent and altered to so basically they put my account on hold and put it on for a frozen account and said that this account will be closed and that I have no funds in this account and not to mention this was early XXXX maybe early XXXX of 2021 so why am I still receiving text alerts why am I still receiving email alerts with a balance of {$4500.00} every single day from the moment they close my account supposedly till now and I'm still receiving these text alerts and I also called and I have it on video where I talk to representative and she basically stated that wherever my text alert is saying where my email alert is saying that is my balance so I had got into it with representative that's actually over the account she's very disrespectful she's very rude and I've tried to talk to other people about my account so I don't have to deal with her but somehow they won't listen just basically want to pass me to her and I don't want to talk to her because she's just disrespectful she's very rude and I don't have time for and I know that my account is still open and I know that my funds are still in that account and somehow she's done it where it's showing that the accounts closed but it's not cuz I'm still receiving a {$4500.00} dollar balance every single day I mean I don't know what else to do and I know that I'm not crazy and I know that their system is not going to generate me a balance every single day with the same exact amount every single day from the moment that this account supposedly has been closed have no record of the was supposedly check that was fraudulent I never received that back but I also have when they Representatives on video where she's stating she's saying that wherever my text alert is saying whatever my email alert is saying that's what's in my balance so why are you saying one thing and why is my I mean I don't know what else to do so can you please help me get this issue resolved because I know I'm not crazy and I need my money out of that account thank you