davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (IN)

On XXXX, XXXXXXXX XXXXXXXX transactions were falsely made without my permission or control using pnc bank this had caused me to owe them an ureasonable amount of debt of XXXX that has been sold to a 3rd party
Consumer complaint received 2022-03-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRIDENT MORTGAGE COMPANY, LP (PA)

XXXX XXXX, XXXX and XXXX, Settlement division received an Offer for the Property located at XXXX XXXX XXXX XXXX XXXX Pa. XXXX, settlement officer named XXXX  XXXX, received a U.S. Currency Note USN, of {>= $1,000,000} in which they received on or about XX/XX/2021, they XXXX XXXX never responded, nor did they return the item or the Offer, upon there acceptance the obligation to Proform is on XXXX XXXX. 
see attach documents
Consumer complaint received 2018-11-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (FL)

Flagstar Bank, paid the wrong insurance company from my escrow account on XXXX, somehow they sent a payment to XXXX which is not and was never my insurance company. My insurance company is XXXX XXXX XXXX XXXX XXXX XXXX, another payment was then sent to the correct company mentioned on XXXX. 

The amount of XXXX has been debited from my escrow account twice. 

Last week ( XXXX ), I called Flagstar and informed them of the issue, the first customer service agent said that the system was down and there was nothing she could do. I called back and spoke to someone in the insurance department that mentioned that she would investigate, this took 50 minutes of my time. Yesterday I got phone calls that I was not able to get to, I called back and the message said that a detailed voice mail was left ( but this is not so ). I called Flagstar again on XXXX and spent 90 minutes on the phone, after being transferred four times, I was informed that the system was still down, so they could effectively do nothing. They dont know the status of the first wrong payment, they cant send me a detailed list of transactions, nothing. The agent did mention that the new payment was successful ( per notes that she found somewhere else ), but thats not the issue that I asked to investigate, I need an investigation about the wrong payment being sent, and I need that money back in my escrow account. 

This same agent yesterday mentioned that the first payment was sent to my old insurance company, I corrected her and told her that XXXX was never my insurance company, somewhere along someone mixed up my information. 

Flagstar is also unanble to send information via emails per employees, additionally Ive asked about complaint or customer relationship department and theyve avoided the question ( they say they dont know ). 

I believe that the issue is now affecting my escrow evaluation causing my payments to go up.
Consumer complaint received 2017-11-06
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: Bread Financial Holdings, Inc. (CA)

I purchased furniture ( custom-made ) from XXXX XXXX for over {$5000.00} utilizing their credit card. The purchase took place on XXXX XXXX, XXXX, however, the merchandise arrived about three months later ( XXXX XXXX, XXXX ), which is later than they promised. During this time, XXXX XXXX charged my store credit card a lump sum, asked for payments, and issued finance charges and a late fee for merchandise that I did n't have yet. I disputed having to make payments and asked for the reversal of the late fee. They took away the minimum payment requirement and refunded the late fee, however, they continued charging me a finance charge. I have not been given an opportunity for even one full statement cycle after finally receiving my merchandise to pay this amount without a finance charge. The card has been paid off, however, I was charged a lot of finance charges ( I did manage to get a portion reversed ). This is absolutely unfair, and this practice must stop.
Consumer complaint received 2018-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (CT)

I have a repossession on my credit from Toyota motor Corp that should not be there! The car was bought out of and I was told a repossession would not be on my credit the car has since been paid off and traded. I do not need this garbage on my credit!!! I will never return to Toyota or even speak highly of them after my experience and this experience if this does not come off my credit I will be reporting further to new stations and XXXX
Consumer complaint received 2017-12-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC. (GA)

I have an acct with XXXX XXXX XXXX that is now in bankruptcy but in the comments it is stating charge off fixed rates which is incorrect it should state in the comments included in bankruptcy chapterXXXX
Consumer complaint received 2018-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (MA)

I am a XXXX XXXX  customer from last 2 year and holding cash back credit card with XXXX. I have paid all my credit card bills fairly on time without a single fail, making good salary deposit every month and maintaining a good checkin account balance with XXXX. In last few months I applied for few credit card and all got rejected. While checking with XXXX XXXX, they mentioned my credit card number for Bank account and Credit card account was linked with wrong SSN and they corrected it immediately few weeks back. While checking for my credit report through XXXX XXXX or XXXX  it doesnt show my credit report. I am quiet frustrated with XXXX at first place how come a financial bank make mistake in putting wrong SSN number and is bank not liable to make SSN verification for any new bank or credit card account. It is screwy my credit history and not able to get any new credit card or get loan.
Consumer complaint received 2018-11-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (LA)

I got a mortgage loan with Chase Bank. Although Chase Bank continues to service my loan, my loan was sold to XXXX XXXX. The customer should be notified when a loan is sold. A loan ownership transfer notice should be sent to the customer. I never received any notification from Chase Bank or XXXX XXXX. The Attorney Generals Office stated that I should have received notification. Chase Banks response was they are not required to provide notification for a change or an assignment of a loan investor. There is a law about this and Chase Bank and XXXX XXXX either do not follow that law or are unaware of it.
Consumer complaint received 2018-11-08
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I don't have any contract with the account mentioned below ; Company : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Address XXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX
Consumer complaint received 2017-11-06
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. (TX)

On XXXX/XXXX/XXXX I applied for a XXXX XXXX Secured XXXX Credit Card. I received an Approved status ( Reference Number XXXX ). I had the funds in my account and waited the 7 - 10 days for them to retrieve them. It never happened then within that period I received a letter saying i was not-approved. I was irritated but after seeing on the news the fraudulent accounts XXXX XXXX created I thought perhaps that was what is was and I was kind of glad the account was n't opened now. Then on XXXX/XXXX/XXXX it was reported that i had a credit card account opened and closed within days. I have repeatedly disputed it wanting it removed. I never received a card or any account information yet it ruins my already struggling credit. It dropped me 30 points they day it went on due to my young aged credit. I would like this immediately removed and an explanation to why this was done. I also do not understand how the CB could let this go on my report with such an incomplete picture.
Consumer complaint received 2017-11-06
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 am submitting this complaint about experian and XXXX XXXX XXXX. I have this account " XXXX XXXX XXXX '' reporting on my experian credit report that is a result of fraudulant charges. The rep I just spoke to at experian did a 3 way call with XXXX XXXX  XXXX to finally try and resolve this issue however I was told that it might be too late to report this card as fraudulant charges made on it and I need to contact the fraud dept and or the collection agency. I explained that I spoke to the CEO for XXXX XXXX XXXX XXXX XXXX and it was agreeded upon to remove this account off my credit report. XXXX had finanilized there investagation and it was removed off my report however experian will not delete it nor will XXXX XXXX XXXX. I was suppose to be mailed awhile ago fraud forms to fill out but never received the forms. Now I am being told it might be too late or I might have to settle the debt with the collection agency. I explained to the rep at XXXX XXXX XXXX " XXXX '' that I am not going to pay for something that I did not purchase. That 's not right. She explained to give them a call. I asked what if I am told the same thing that it 's too late to report these charges as fraudulant?. I am left with this debt reporting on my experian credit report and again that 's not right because it is affecting my credit score for something I did not do.
Consumer complaint received 2023-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/2023, I was placed on hold for 23 minutes when trying to get the credit balance on our American Express card refunded to us! The customer service rep dragged us through ringers despite the initial authentication asking me 5 security questions in order to finally me that they will transfer the funds BACK to our bank account!! 

American Express is claiming that they can ONLY send ut the check! And they are refusing to send a check to the NEW address we want the refund check to be sent! 
The balance owed us by America Express on this car is in excess of {$3000.00} US dollars but despite that, we have NEVER gotten ANY notification that we have over-paid the credit card by mistake! 

This is a clear case of abuse where these Credit Card companies will not leave any stone unturned when they are collecting, but will make us miserable when they OWE the consumer 's money!
Consumer complaint received 2023-03-18
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (KY)

Hi I am XXXX XXXX submitting this without any influence and this is not a third party. 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. 

XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-11-08
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Law Offices of Robert A. Schuerger Co., LPA (FL)

On XX/XX/2018, I was contacted via phone from a representative claiming he was from the Law Offices of Robert A. Schueger Co., LPA, stating he was representing the Ohio Attorney General and they were hired by XXXX XXXX University regarding a Student Loan Debt. He went to state they were preparing a lawsuit against me and were going to do a search for assets. 

I explained that XXXX XXXX had already been receiving money and I had several Debt Collection Agencies contacting me trying to collect on the same debt. I also explained there were no longer any assets to seize and I asked for a Letter of Representation for my records. 

A week or so later, I received a letter from the Law Offices of Robert A. Schuerger Co. , LPA stating they were appointed by the Ohio Attorney General that demanded an amount of {$4500.00} on behalf of XXXX XXXX University. A few days later I also received another letter from yet another Debt Collection Agency demanding {$12.00}, XXXX also on behalf of XXXX XXXX and the fraudulent US. Department of Education. A separate complaint against them will also be filed. 

On XX/XX/2018, I called the Law Offices of Robert A. Schueger and spoke with a secretary named, XXXX. I explained the reason for my call was to ask for proof of the debt since I had also had money taken from other agencies on behalf of XXXX XXXX and I was continuously getting letters and threats from several agencies. 

XXXX became defensive and started arguing that I could look up their law office on XXXX so I stopped her by stating it was my right by law for them to send proof of the debt and that was all that was required from her. XXXX responded by threatening litigation and then disconnecting the phone call. Reactions and threat tactics such as those are usually indicative of fraudulent and abusive debt collection practices. 

I called back and spoke with a Mr. XXXX, who politely asked if I would like to speak with a Supervisor after advising me they had several people there named XXXX. I agreed and was then transferred to a voice mail for a XXXX or XXXX XXXX. I did leave my name, contact information and reason for the call, in addition to feedback for XXXX 's unprofessional and threatening communications.
Consumer complaint received 2021-11-22
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. (CA)

This is XXXX XXXX who is submitting this CFPB complaint myself. I'm not swayed that Equifax efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. Equifax is reporting inaccurate information on the account listed below. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

( XXXX XXXX XXXX XXXX )
Consumer complaint received 2017-11-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc. (FL)

I received a correspondence from XXXX XXXX XXXX XXXX, XXXX dated XXXX XXXX, XXXX about an alleged debt. On XXXX XXXX, XXXX, I sent First Federal Credit Control a certified letter requesting validation of the alleged debt, and demanding that they only contact me via mail to my current mailing address. On XXXX XXXX, XXXX at XXXX, I received a call from their representative inquiring on how I want to make the payment on the account. I politely informed her that I sent them a validation letter, and also demanded that they do not contact me via telephone. The representative rudely told me that I owe the company, I must pay or it will be reported to the credit reporting agencies. On XXXX XXXX, XXXX, I received an alert from the credit reporting agencies stating that First Federal Credit Control added a collection account to my credit report, which bluntly ignored the FCRA laws. I previously filed a complaint, and they replied that they have validated the debt, which they have not provided any legal documents to properly validate the debt per FCRA. On XXXX/XXXX/XXXX, I sent another complaint through CFBP, and they completely ignored it
Consumer complaint received 2018-11-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (NM)

My complaint is with XXXX XXXX XXXX. They bought our loan 3+ years ago, and are servicing the mortgage. In XX/XX/XXXX, an Escrow adjustment was made, and an additional amount ( $ XXXX ) to escrow was needed. I made the XX/XX/XXXX payment ( {$2600.00} ) manually and electronically. The XX/XX/XXXX payment however, was short the additional amount of escrow ( my bank sent {$2500.00} ... the previous amount ). The funds were left " unapplied '' and kept by the mortgage company for a month ( until the next payment request ). The mortgage company did NOT send us notice of the delinquency until the next month ( XX/XX/XXXX ) payment notice. 
I talked to the mortgage company and made an additional payment to the escrow account XX/XX/18 ( electronically ). I asked that they do not report the late [ payment, as they did not follow the protocols for applying payments. As I understand the protocol, a payment should be applied to the Principal and Interest first ( a fixed amount ), and then the Escrow fund ( a fluid amount ), unless notice is given that the payment will not be applied. My real estate attorney concurs. The mortgage company said that any payment that is not for the entire amount will be deemed unapplied, notice or not. The mortgage company ignored my request and declared the mortgage payment late to the credit bureaus. 
This is unjust and unfair as it does not follow the terms and practices of the mortgage we bought, or the protocols of the Consumer Protection Act, as we understand them.
Consumer complaint received 2022-03-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (TX)

My first loan that was serviced through Cardinal was loan number XXXX XXXX XXXX XXXX XXXX XXXX XXXX. We refinanced some time around XX/XX/XXXX to our current loan numbered XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Both my first and second loans were accompanied by an escrow account to take care of taxes and insurance. I received a letter from my county tax office that my taxes had not been paid towards the end of XX/XX/XXXX and immediately contacted Cardinal. I talked with several people in Cardinals escrow department and they all gave me different answers on how to handle this situation. Answers varied from that I needed to pay them myself and I would be refunded the late fees that were charged, to Cardinal will take care of it but my monthly payment will go up because of this. I waited for several weeks to receive contact from Cardinal on how this issue would be resolved and did not hear anything. I again made calls to talk with representatives and was told to go ahead and pay the taxes on my own. On XX/XX/XXXX I paid off the taxes and the late fees before any additional fees would be added. To pay the taxes and late fees I used money that sits in an interest accruing account that is designated as my family 's emergency fund. On XX/XX/XXXX around XXXX I called Cardinal and this time asked to speak to a manager. She explained to me that the taxes and late fees would have been taken care of if I hadn't asked for my escrow account to be closed. She did slip up and say that the order had been placed and was pending to have the taxes/late fees paid ( which was never made clear to me ) but since the escrow account was requested to be closed they are no longer liable to pay the fees. If the order was in for this to be taken care of and the fees covered why can I not be reimbursed for the late fees that I paid? From the beginning I was given different answers on how to resolve this issue. Having unpaid taxes was not only embarrassing but a nuisance for my family and I. I have seen numerous complaints on the XXXX XXXX XXXX website that this has become a common occurrence. I would like to be reimbursed for the fees that were added to my property taxes. The amount due in XXXX was {$4400.00} and the amount I had to pay was {$4900.00}.
Consumer complaint received 2023-03-18
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Consumer complaint received 2022-06-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (FL)

Dear Citibank, I believe this information is inaccurate I didn't give any authorization or consent to any persons to furnish my credit report.Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means to collect or attempt to collect any extension of credit, or to punish any person for the nonpayment thereof, shall be fined under this title or imprisoned not more then 20 years, or both.In any prosecution under this section for the purpose of showing an implicit threat as a means of collection, evidence may be introduced tending to show that one or more extensions of credit by the creditor were, to the knowledge of the person against whom the implicit threat was alleged to have been made, collected or attempted to be collected.