davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (KY)

I called PNC to remove PMI at 80 % loan-to-value on XX/XX/2019 ( I know it should be in writing ). Received a letter to remove it required me to pay a {$500.00} appraisal fee to an appraisal company owned by PNC. I was called on XX/XX/2019 by PNC and told that it was the lenders ( XXXX XXXX ) requirement, and I could call them to request removal. They were not open. Per the Homeowner 's Protection Act, they can require " evidence '' but it says nothing about being required to use their in-house, overpriced appraiser. This sort of self-dealing should be illegal, and the definition of evidence should be expanded.
Consumer complaint received 2018-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (IL)

I recently decided to cancel my Am/Ex due to extensive annual fee of $ XXXX/year and the fact that I don't use the card much. 
Before the closing I wanted to redeem my points to my account ( XXXX ) which translates to {$42.00} or have the card apply to any gift card where the points can be applied and the remainder charged to the card. 
The Am/Ex representative refused both transactions leading me to the conclusion that the Am/Ex wants to confiscate my points as result of my account closing decision. 
This type of action is not only unethical but truly reprehensible.
Consumer complaint received 2023-04-08
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$110.00} ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/2022.
Consumer complaint received 2023-04-10
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)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-04-10
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. (VA)

This is my Follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX, VA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXXXXXX XXXX  XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX VA XXXX XXXX XXXX XXXX Balance Owed : {$300.00} XXXX XXXX XXXX  XXXX Balance Owed : {$280.00} XXXX XXXX XXXX  XXXX Balance Owed XXXX {$540.00} XXXX  XXXX Balance Owed : {$310.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-06-13
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

On 2 Seperate occations over the last 4 Month I have requested that equifax fix all late payments tha are showing on XXXX as these have never been paid late. I never even got a response at all to the last letter I sent Certified mail on XX/XX/10.
Consumer complaint received 2023-04-09
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-11-05
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. (NV)

I appreciate your time to REMOVE some of the information in my file that resulted from the identity theft but I have an items left that need to be removed. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT # XXXX, XXXX, and XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Please remove the following items as soon as possible : XXXX. XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX. XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX. XXXX XXXX XXXX : {$0.00} XXXX. XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX. XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX. XXXX XXXX Balance : {$0.00} XXXX. XXXX XXXX XXXX XXXX : {$0.00} XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX - XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXXXXXX A XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-11-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NH)

On XX/XX/2022 XXXX money orders were brought to the BOA branch on XXXX XXXX XXXX in XXXX, NH. The bank teller deposited all three money orders but the teller separated them incorrectly and ripped XXXX of the money orders incorrectly. They kept XXXX of the money order and the actual money order receipt. They gave back XXXX of the money order receipts but also gave back a third of the money order. I had to do hours of research to figure out what occurred but since the teller made the mistake they have been unable to resolve it for me. They have taken {$500.00} out of my account due to their tellers mistake. They have shared that I need to wait till I get a letter with a picture of what they accepted to then attempt to resolve the situation. They have made no attempts to compensate or resolve the mistake their teller made.
Consumer complaint received 2019-05-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc (CO)

I received a letter from the debt collector in which I made two payments ( XX/XX/2019 & XX/XX/2019 ) two months in a row to the accounts in question. The next letter I received was dated XX/XX/2019 which showed a settlement amount due by XX/XX/2019. I called on XX/XX/2019 and spoke to a representative on a recorded line in which I asked if this would affect my credit and her answer was no. I made the settlement payment on XX/XX/2019 and they posted the payment on XX/XX/2019. Since then I started the process in purchasing a home in which my credit was run by the lender and my score was in the mid-high 700s. My credit was then run again on XX/XX/2019 in which my credit score dropped 100 points due to the company hitting my credit report. I've called numerous time asking to speak to a manager to request that it be removed from my credit report and have been told there is NOTHING that can be done.
Consumer complaint received 2023-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

Good Afternoon, Today while checking my emails I received a notification from XXXX that my credit score had dropped due to XXXX hard inquiries from Capitol One. I find this frustrating as I did not apply for a credit card or approve a hard credit check. I would like to lodge a complaint and resolve the situation as soon as possible. 

The Inquiries took place on XX/XX/2023 and XX/XX/2023. 


Thank you, XXXX XXXX
Consumer complaint received 2019-05-09
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (VA)

On XX/XX/2018 I noticed a negative report on my credit report. Midland Credit Management indicated that I owed them {$620.00}. I contacted them and stated that I never heard of them. I was told the original creditor was XXXX XXXX. I indicated that XXXX XXXX closed and wrote off this. However, I have plan on paying the balance off. I was informed that Midland Credit Management bought this debit from XXXX XXXX and I owed them {$620.00}. 

I disputed this debit with XXXX and XXXX and they found the amounts to inaccurate with Midland Credit Management. 

I was then sent a letter from Midland Credit Management for me to provide them proof of what I owe. Now I am receiving Pre-Legal Notifications in the mail I have reported Midland Credit Management to XXXX and you. I have also wrote them and told them, by Law they are to provide me with written statements of the original purchase, what is was for, how much and when and how they came to this amount of now {$620.00}. 

Companies buying old debit needs to be against the law as they businesses are harassing people and charging hundreds and thousands of dollars of what is actually owed. 

I want this to stop and my credit wiped clear of Midland Credit Management.
Consumer complaint received 2019-05-09
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmeriCollect (WA)

I disputed the collection through XXXX XXXX on my XXXX report. It was for a medical bill, I had no knowledge of this collection as I have paid all my copays and I have insurance. The debt they claimed I owed was {$75.00}. XXXX took it off my credit report after the company did not respond within 30 days of disputing. The company submitted another collection claim on my credit report but lowered the amount by {$3.00} to {$72.00} so it would show up on my report again. By doing so, it is now on my XXXX report for {$72.00} and on my XXXX report twice for {$72.00} and {$75.00}. This company is not following the law and are using fraudulent ways, lowering the amount a few dollar and resubmitting it to my credit report, after it was taken off my report for no response within 30 days.
Consumer complaint received 2022-02-02
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. (CA)

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

XXXX XXXX AUTO is currently showing 30 days late ( XX/XX/2020 ) in EXPERIAN. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.
Consumer complaint received 2018-09-20
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (FL)

I recieved a letter in the mail today in regards to my XXXX XXXX credit card account stating that my account was closed due to missing two payments. I called immediately spoke to a customer service agent and advised that I have not recieved any notification of thw account being late ... assuming it would come in the mail. I was then advised that an email address was changed online to an email that is NOT my email address. Then she prceeded to go on to advise me the account owner that i agreed to the terms recieving all communications at the time of email enrollment ... .which by the way i was never notified of any change to my contact information. The CSR advised that all communication regarding the now two missed payments were sent to the email address on file. I preceded to validate my email address by asking me what my email address is which by the way i have had long before i had the account and i have had this account in good standing for over 10 years. I told her what it was and she tell her that it did not match what was on file. I was advised that XXXX email address was invalid and not authorized by me the account owner. She stated there was nothing she could do and that the late payments and credit reporting are valid. Remember that i only recieved correspondence through the US Mail as a result of the account closure and nothing in regards to the change in contact information or that i was late because it all went to this fraudulently set up email address. I was then told nothing could be done. I preceded to escalate to the next two level of management. Both of those two managers also said the same thing. They didnt say anything or could do anything because of the fraidulent email address provided authorized all communications to be sent electronically and that i should have know to call them when it was noticed the.email was incorrect. I advised them that i am notifying them on the same call that i was notified about the invailed email and only time I have called about this issue and advised everyone that i spoke with stating that there is nothing they can do regarding the now almost 60 day past due account or reopen it. The last manager I spoke with did waive the two late fees and were credited to the account as a result of my frustration and as a one time courtesy ... nothing stated as a reason for the credit in regards to the incorrect email address on my account. He also removed the invalid email and stopped all future electronic communications. I asked if.there was a CEO or presidents email or address to write a letter and was advised that i.needed to.send a letter to the general correspondence address to address my concerns and to file a dispute with the credit reporting agencies that i dispute the delinquency reporting and have.them update the account. All because i was never notified that all my account information was sent to an email address that I did not add to my account.
Consumer complaint received 2018-04-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (NV)

I was broken into 3 times to my apartment. The 3rd time the burglar took my important documents which resulted in taking my XXXX XXXX credit card. I was unaware as I wasnt using the credit card anymore. After some time I received mail that my account was in collections. To avoid this getting reported to the collection beraus I tried paying it off but I then noticed the charges werent mine.
Consumer complaint received 2019-04-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (NJ)

Come XX/XX/XXXX PayPal inc proposes to keep all seller fees for any return of payment. This includes but not limited to : return of sold item for fit, color, damage, wrong item, etc. This also includes payment reversals for buyer cancellations, improper addresses, buyers using wrong credit cards and demanding refunds, buyers not using coupons and demanding refunds so they can repurchase, stolen or hacked accounts, misuse. In other words any time I receive a payment on PayPal from a buyer and there is any kind of refund I will lose the .30 + 2.9-4.4 % PayPal fee. This is an absurd overreach that borders on theft.
Consumer complaint received 2019-04-06
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (TN)

original loan XX/XX/XXXX with highlands mortgage loan sold to NewRez XX/XX/XXXX We are refinancing XX/XX/XXXX without pmi with another company We have Pmi on current loan with NewRez Payoff from lender is principal, plus per Diem interest, PLUS 3 months Pmi And yes there is an escrow account of over {$1800.00} Is this legal?
Consumer complaint received 2018-09-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (HI)

I have a loan with XXXX/Toyota financial. I have had this loan since XX/XX/XXXX. I am XXXX XXXX military and I set up an allotment for this loan. Since XX/XX/XXXX this loan has never been late. I have not stopped the allotment or changed the allotment. The payments have been coming out on time. All of the sudden for the XX/XX/XXXX payment XXXX sent me a text ( no phone call ) XX/XX/XXXX stating that they have not received a payment. I pulled my XXXX and called. I explained to them that this allotment has been ongoing for 5 years and I have not stopped or changed the allotment. On my LES it shows where the allotment came out. The personnel in military sales would not even speak with me. They spoke to me through a representative that put me on hold to contact my finance office. XXXX basically blew me off. Then I called back and asked to speak to a manager I spoke with XXXX agent ID XXXX she said she would look into it. All of this happened XX/XX/XXXX. I still have not heard from XXXX. I called back XXXX XX/XX/XXXX and was told that I could not be transferred to XXXX. I also contacted my finance office and as I already knew they showed me where the payment was sent to XXXX. XXXX has my money and is saying I have not paid.
Consumer complaint received 2023-09-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MN)

On XX/XX/XXXX I applied for the Income Driven Repayment Plan of REPAYE through the XXXX website. This was approved in XX/XX/XXXX. However, at some point I was transferred over to MOHELA as my loan servicer. They have had me listed in the XXXX plan, which is the incorrect repayment plan. I messaged them about this in XX/XX/XXXX and they never got back to me. I have now called 3 times over the last 2 months with repayment starting ( and waited on the phone for at least 2 hours each time ) and they are not able to tell me why I am on the wrong plan and say I need to recertify my income and reapply for the plan, which I have done over the phone most recently on XX/XX/XXXX. They now are saying itll be 90 days before that application can be approved. I was previously on XXXX with payments around {$350.00}, however when I checked my account today, I was switched off an income based plan and placed in standard level repayment with a payment of close to {$3000.00}. They have auto debit on my account, so I am afraid they are just going to take a {$3000.00} payment out of my account, when my payment on the correct plan I was originally approved for should be around {$200.00}. It is impossible to get ahold of MOHELA on the phone with the wait times, and their solution is to simply keep recertifying.
Consumer complaint received 2020-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

My wife and I un-froze our credit accounts in late XXXX or early XXXX to apply for a mortgage. All of the agencies other than Transunion re-froze the accounts automatically. Transunion said that we had to re-freeze ourselves. I had no trouble with my own account, but Transunion said that, although my wife had an account, they could not confirm her identity on-line, so call XXXX. We tried several times, but could not penetrate the answering system. Then I found a new " customer service '' number, XXXX. We called it three times. Each time we spoke to a customer service rep who said that my wife 's account had been " frozen '' because she gave a wrong answer, which was not true. Each time they put us on hold to check her account. After a long wait we were disconnected, so have not been able to freeze her account. They have promised to call back. They made that promise once before, but did not call back.
Consumer complaint received 2018-06-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC (FL)

I mailed a debt validation letter to XXXX XXXX XXXX on XX/XX/XXXX. Which the collection agency received on XX/XX/XXXX. In the letter I advised to validate the alleged debt, the collection agency responded with a bill of {$750.00} with an account number.