davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (IL)

I made a payment to Discover for {$32.00} ( payment due date ) on XX/XX/ 2019. On XX/XX/2019 at XXXX XXXX I get a email from Discover stating that my account has been closed because of another collection account. So i call Discover that morning and spoke to a agent regarding the matter, and I was placed on hold while she spoke with her supervisor. Once back on the phone she informed me that I would have to give them 24 hours to look into the matter and to call back XXXX XXXX 2019 before XXXX XXXX. I called back on XX/XX/, 2019 and spoke to someone and was transferred from department to department ( given the run around ). I was once again told several times that my account was closed because of a previous account that has been charged off. I was then transferred to a supervisor which in turn transferred me to someone in another department named XXXX. Once XXXX got on the phone he ended up transferring me to some company called XXXX XXXX XXXX ( which does business with Discover ) and spoke to a lady there which placed me hold after getting my name and social. Once someone got back on the phone it was a male agent now, which asked me for the same information that the previous lady asked for ( name and social security number ) and he informed me that I am not showing up in his system and he cant help me ( company that handles Discover collection accounts ). so I called back to customer service and was connected to XXXX in XXXX Arizona which switched the story and told me that my account was closed because of Discover system ( a late payment ). I told her that she was giving me an excuse and her own opinion of why my account was closed and that I have spoken to several agents that made it clear why my account was closed. I was transferred to someone else and they gave me a phone number to another department and transferred me to that department. Once connected it was the right department after all ( after 8 different agents and 3 phone calls later ), and was told that my account was closed because of an account that had been charged off. But once investigated I was informed that the account in question whoever the person is has my first and last name, and date of birth but a different social security number and that I was right that the account is not mines.
Consumer complaint received 2022-08-18
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. (PA)

There is a hard inquiry on my Transunion report that I did not authorize by XXXX on XX/XX/2022. I have tried to contact the company and left voicemails but they refuse to reply.
Consumer complaint received 2019-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (ID)

I sent in a payment of {$6500.00} by USPS with tracking and signature return. I also put my credit card account number on the payment stub attached to the check. Citi received the payment XX/XX/19. On XX/XX/19 Citi deposited the check. I am attaching a copy of the check having cleared the bank account ( the other check in the file was applied correctly to a different account, please disregard ). To this day, XX/XX/19, the payment has not been applied to my account. 

I started calling Citi every couple of days after checking my account online starting on XX/XX/19 to ask why the payment has not been applied to my account. Each time I call I am told that they need to open a " payment investigation '' and they ask for the exact amount, check number and tell me that a conditional credit will be applied so that my account doesn't go past due or, accrue more interest on the amount or late fees. I have gone through more than 3 " supervisors '' in one call and am still told the same thing each time. To this day none of this has been done, my account is now more than 30 days past due and I am concerned it will be negatively reported to the credit bureaus. I couldn't and wouldn't make a payment to keep my account from going past 30 days because after the {$6500.00} payment, I owe a lot less than what Citi says my payment is.
Consumer complaint received 2022-03-09
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. (NC)

This is XXXX XXXX XXXX and I am sending this complaint to address an inaccurate negative remark on my Equifax report. As I reviewed my recent report, I have found an erroneous information reporting on my Equifax Credit Report. The payment history is stating that I was 30 days late while It is clear that the status of the account is " current '' not " 30 Days Late ''. I was never late on this account. I've already sent a request to Equifax to correct and update this matter but I am not sure if they have conducted a thorough investigation for this item : XXXX. XXXX XXXX XXXX {$340.00}
Consumer complaint received 2019-02-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc. (MA)

XXXX XXXX is reporting on my XXXX, XXXX , & XXXX  credit reports that I owe them {$150.00} for a collection. I've never done business with this company, nor have I ever signed a contract with them. I've contacted them & asked that they produce documentation & was told that they don't have any documentation. This company is hurting & ruining my credit worthiness with their deceptive practices. Are the even licensed to collect on a so called debt?
Consumer complaint received 2019-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

Hello - I have completed multiple disputes with Experian, XXXX  & XXXX to remove all accounts with Account # XXXX - XXXX XXXX XXXX/XXXX but always get 'Updated ' result. They are ALL Closed and still showing on my credit file. These all opened starting at XX/XX/2003 & have been closed over 8 years with XXXX balance. Please have the bureaus delete these accounts as there is no contract or balance.
Consumer complaint received 2019-02-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (NC)

We seem to have a disagreement with our mortgage servicer, SunTrust Bank, about the cancellation of PMI. 
We've been making additional payments against our mortgage principal for the last couple of years in an effort to pay our mortgage off early. Once we reached the point where we had paid off approx. 20 % of our loan we began receiving letters on a regular basis from SunTrust informing us that we can have our PMI payments dropped if we would submit a request to do so and include a check for {$450.00} to pay for an appraisal. However, we knew ( or believed ) that according to the Homeowners Protection Act that the PMI would be terminated automatically once our principal balance had reached 78 % of the original value of the loan. We therefore felt that providing our loan servicer with {$450.00} for them to perform an appraisal was not only unnecessary, but it felt duplicitous. 
At the point where we had lowered our principal below 70 % of our loan value and the PMI was still in effect we wrote SunTrust Bank a letter on XX/XX/2019 stating the above belief and included a link to www.consumerfinance.gov indicating that according to the HPA the PMI should have been dropped automatically, and without a {$450.00} appraisal. We also stated that we, in fact, should be reimbursed for PMI payments that occurred after we had met the requirement for automatic cancellation of the PMI. 
SunTrust acknowledged receipt of our letter, but only reiterated that we needed to make a PMI cancellation request using their included form, and include a check for {$450.00} for an appraisal. 
Our principal is currently at approximately 50 % of the loan value and we are still paying PMI. 

Are we mistaken about the HPA as it relates to PMI and its automatic cancellation? 
If not, would you please help us resolve this issue? 
( and just a point of note, we see on this website that there are several people who have had this same issue, and with the same bank. ) Thank you, XXXX
Consumer complaint received 2019-02-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A. (GA)

PNC Bank screwed up our paperwork which changed our due date after we signed the loan papers. We asked for them to fix the due date but they refused and said we needed to give them extra payments in order to change the due date. We pay the loan every month before the late fee is applied on the XX/XX/XXXX but they call numerous times a day before our due date harassing us to pay them BEFORE our due date. At least 3-5 times a day on each of our cell phones which results in 10+ phone calls a day. We pay our loan every month before its late. Credit score is excellent no need to harrass.
Consumer complaint received 2019-02-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (SC)

I had asked Flagstar Bank to sunset the property tax and homeowner insurance portions of my mortgage escrow account, since the closing papers gave me that right. The company refused. I complained to CFPB ( XXXX ) and received a letter from an XXXX XXXX XXXX from the Office of the President stating that because I had a XXXX XXXX loan, I could not sunset those escrow portions.

This was a surprise to me, since I had never had anything to do with XXXX XXXX. I called XXXX XXXX, and they said they had no record of me. Upon calling Flagstar on the inaccuracy, they had to admit mine was a conventional loan, but they still refused to sunset -- and they even cited the same XXXX XXXX restriction chapter and verse about loan-to-value ( LTV ) ratio not being 80 percent or less. This time, the excuse was I had private mortgage insurance ( PMI ).

I'm getting tired of Flagstar 's Excuse of the Month over imposing an inappropriate XXXX  XXXX restriction on my conventional loan. Their customer service department is anything but. They just throw up rationalizations, however inaccurate, and say no to everything.
Consumer complaint received 2019-02-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX I began the mortgage application process with Wells Fargo Home Loan. On my initial loan application I said that the home was built in 1975 and converted to real property. On XX/XX/XXXX Wells Fargo charged me {$550.00} for an appraisal. On XX/XX/XXXX I was instructed to take a First Time Home Buyer course through XXXX  for {$75.00} as part of my loan application process. On XX/XX/XXXX, some 20 days into escrow, Wells Fargo denied my loan due to the date that the home was built, which I'd included on my initial loan application, leaving me with less than 7 days to secure another loan before losing my earnest money deposit. I subsequently had to relock with another company at a higher rate resulting in a total loss of ~ $ XXXX over the life of the loan. Further, my credit was damaged from being pulled several times by several mortgage companies and credit bureaus in two different months. I filed a complaint with Wells Fargo on XX/XX/XXXX seeking reimbursement for the appraisal and course totalling {$630.00}. I was assigned complaint case number XXXX and customer care representative XXXX XXXX at ext. XXXX. I have called the customer care line repeatedly and can not reach XXXX XXXX. I am then transferred to a generic customer care representative who can not access my file or give me a status update. Moreover, I feel that this is a violation of the Consumer Protection Act and Fair Lending Act due to the fact that the information they claimed to be the cause of denial was provided on day 1 of the loan application process and they could not produce a report or factual evidence as to why the loan was being denied despite documentation from the State of California Housing and Community Development Office that the home was converted to real property and has legal filing with the State of California.
Consumer complaint received 2019-02-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (MA)

Franklin Collection is reporting on my XXXX, XXXX  , & XXXX   credit reports that I owe them {$1700.00} for a collection. I've never done business with this company, nor have I ever signed a contract with them. I've contacted them & asked that they produce documentation & was told that they don't have any documentation. This company is hurting & ruining my credit worthiness with their deceptive practices. Are the even licensed to collect on a so called debt?
Consumer complaint received 2023-01-04
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (CO)

On XX/XX/2022 I made a phone payment to United Wholesale Mortgage for my loan payment of {$1600.00} as they stated they had not received my allotment payment that the military had sent to them. On XX/XX/2022 I made another phone payment as they stated they had not received my allotment payment that the military had sent to them. At this point I was getting harassing 's phone calls from them. Both of these payments were not posted to my mortagage account by United Wholesale Mortgage for unknown reasons noone from their company could seem to help me. My bank statment was showing the money out to them, my military statement was showing payment that way so at this point they had double payments on my end and they were showing no payments on their end. In my frustration I called my daughter to help me as I was seeing the money coming out of my XXXX account and my bank account. At this point my daughter took control. We printed my LES statements and sent them they then " found '' the money from the military and posted that to my account that fixed that. They however can't find my money I paid from the phone payments. We have provided bank statements showing the XXXX payments to their bank, letters from XXXX XXXX all of this documentation and still they are unable to provide the payments to my mortgage or refund the money back to my XXXX XXXX account. At this point they owe me {$3200.00} along with the unnecessary late fees and finance charges they charged my account while they stated I was late when in reality is was them not posting my payments to my account both the phone payments AND the XXXX payments which is {$60.00} which may not be a lot of money to them but to me a XXXX retired veteran on a fixed income it is. Because of the questions my daughter has asked and social media questions she asked because she gets no response from the company they have since sold my loan with no notice and are now holding my XXXX mortgage payment that received from XXXX and not transferring that to XXXX XXXX XXXX Bank even though we have the XXXX statement showing their bank was paid the money. They state they can't find it. That is an additional XXXX that is owed to the new mortgage company. This is how United Wholesale Mortgage treats its XXXX and trying to work with the same person is useless that is absolutely impossible so every time I call in I have to talk with the same person and resend the documents so that person has to research it themselves and get back to me which never happens. I am at a loss and out of money. My daughter is out of money to help me. Please help me get my money back I have proven I paid them my bank records should be enough I don't know which of their customer 's loan has my payments posted to their account but I need my savings back and I need my current lender to get my XXXX payment because of course they are showing me past due.
Consumer complaint received 2019-02-12
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: United Revenue Corporation (TX)

UNITED REVENUE CORP, account # XXXX is reporting on my XXXX credit file with a debt of {$250.00} that is past due/charged off. I have never applied for credit with XXXX XXXX XXXX nor do I have an unpaid debt. I have requested the company provide me with a signed contract identifying that I am obligated or agreed for a debt but XXXX XXXX XXXX could not produce. I have medical insurance and have no unpaid medical debt. This is Fraud and a violation of the FCRA. Based on what I have researched is that this is a someones Medical debt that has been assigned to me. If not removed, I will proceed to getting legal representation. 
In addition, if this was not fraud, the creditor/third party is violating the Fair Credit Reporting Act by reporting inaccurately. Page 4-40 of the XX/XX/2018 Credit Reporting Resource Guide state that companies who report medical debts must report the actual name of the original creditor in the " Original Creditor Name '' field. I have not been able to identify the original creditor to dispute with them. In addition to a violation of the FCRA this is a Unfair, Deceptive, Act and Practice.
Consumer complaint received 2019-09-18
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Equifax is incorrectly reporting a charge-off account where I am shown as an Authorized User on XXXX partial account number XXXX. ( Please see page 5 attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the two bureaus to fix this issue, however I have not been successful.
Consumer complaint received 2023-03-03
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CAINE & WEINER COMPANY, INC. (FL)

ON XXXX I saw a charge off on my credit report from company Caine & Weiner i called spoke with a collector who I explained i never received any notices validation letters anything that was sent out prior to just putting a charge off on my credit she said they emailed me a settlement letter for XXXX something trying to get me to settle told her i never received that and told her I am willing to settle at {$1200.00} she said she cant do it ask for her supervisor which was the worst person I ever spoke with she was rude a bully very defensive she scream yelled at me refuse to let me talk she told me her company does not offer settlements told her that info is false her collector just told me a settlement was offered and emailed to me she became extremely upset scream called me unkindly things and refuse to talk and she hung up on me this is how progressive allow their customers to be treated being abused by a collections agency this is not right and consumers like me we need protection UPDATED NEW NUMBER XXXX XXXX XXXX
Consumer complaint received 2019-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

On XX/XX/XXXX I paid off the balance on my Capital One credit card of over {$6000.00}. I did not receive a bill in XXXX, due to XXXX  balance. In XXXX my statement claims I owe {$19.00} in interest. I called Capital One and spoke with XXXX who said there was nothing he could do for me. I asked to speak to his manager and he transferred me to XXXX ( ID # XXXX ). XXXX informed me that the interest charge was on from the dates of XX/XX/XXXX to XX/XX/XXXX. She refused to waive the interest even though I have been a customer since XXXX. 

Capital One has very shady practices with regards to fees and interest charges. Furthermore, they place absolutely no value on customer loyalty. Beware of getting a Capital One card, you will be hit with hidden fees!
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$390.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$140.00} XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$840.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$4300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: The Phoenix Recovery Group (TX)

From XX/XX/XXXX until XX/XX/XXXX we lived in XXXX XXXX XXXX in XXXX XXXX, Texas and we signed a 6 month lease that was set to expire XX/XX/XXXX. Upon 3 days after our move-in we noticed that our building had a roach infestation and we asked them to take care of the matter. The apartment allegedly scheduled for an exterminator to come spray our unit for the roaches. However every time the exterminator came the problem worsened and we were told it was part of the process. We endured this problem every day of our lease as roaches were coming out of appliances, crackes/crevices in the wall, outside, etc. and we demanded that they fix the issue immediately. The roaches were not only a health hazard but the chemicals that they exterminator would use for their " roach clean out '' made it difficult for my wife to breathe whenever she was in the unit. Failure for them to repair the issue left us no choice but to end the lease in XXXX and Texas law states that landlords have a responsibility to ensure their property does not affect a residents health or safety. After all of the certified mail and emails we sent them they did not fix our issue and the day before we moved our apartment flooded in both of the bedrooms of our apartment and they did not fix it. Now they have hired Phoenix Recovery Group to collect an amount that we do not owe and we went to court and a take nothing judgment was granted. They have been reporting negative information on our credit reports for the past 8 months and they are going against a judge 's judgement and it is making it borderline impossible to rent another home.