davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (TX)

In the month of XXXX, XXXX I spoke to XXXX XXXX from Newrez Mortgage Company. He inquired if I was interested in refinancing my home mortgage to a lower interest rate. I informed him that I was interested. He sent me that forms for me to sign through the loan company 's portal, which I did. While, going through the process, I asked him if I needed to make XXXX 's payment. He stated that once I completed the process, I would not have to either make XXXX and/or XXXX loan payments. I continued to receive notifications to sign varies documents. Once again, they were all signed and forwarded back. I received an email from XXXX XXXX, the loan processor stating that I should close by XX/XX/XXXX. I made several attempts to contact XXXX XXXX. But, to no avail he never returned my calls. t should ne mentioned that in the month of XXXX, XXXX, I had a notary come to my home to sign loan documents. In the packet it stated that I would not have to make a loan payment until XXXX, XXXX. Exactly, what XXXX XXXX had stated to me. However, I learned that my loan was denied on XX/XX/XXXX. I received no notification of the denial in the month of XXXX or the beginning of XXXX. Now, I am responsible to not only pay this month mortgage but the late fees. This is highly inexcusable and unacceptable. I asked several times if I needed to make the following payments and was told that I did not. Now, my credit score will be affected from this misinformation. From my understanding the calls were taped.
Consumer complaint received 2023-06-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX RE : Investigation Request to Delete wrongful collection account To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. 

INCORRECT COLLECTIONS ACCOUNT The accounts below are reporting incorrectly please investigate these : 1. PORTFOLIO RECOVERY ASSOCIATES- XXXX XXXX XXXX, XXXX XXXX VA XXXX ( original alleged creditor : XXXX XXXX  ) Account number : XXXX ( date alleged open : XX/XX/XXXX ) ( Alleged balance : XXXX ) I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results. 

Attached is identity theft report and credit report. 

Truly, XXXX XXXX XXXX
Consumer complaint received 2022-01-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (FL)

On XX/XX/XXXX a check that was dated for XX/XX/XXXX in the amount of {$950.00} was deposited into my account the name on the check was XXXX XXXX XXXX XXXX XXXX I did not endorse it my name is nowhere on the check I know nothing about the check I have been trying to call SunTrust going on 2 days now I'm at 4 hours right now and I'm unable to get anyone on the phone
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

On my credit report there is an account in derogatory and it shouldnt be stating that for transunion. And there is an address for Georgia that i have never lived at before and they wont allow me to take it off
Consumer complaint received 2022-01-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America commit fraud by applying processing and posting transactions in a manner that benefits the organization only. Bank of America has charged me over {$2000.00} in fees since the opening of my accounts. Bank of America has used my credit for capital gains and has denied me several services.
Consumer complaint received 2024-04-10
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Payfare International Inc. (OH)

On XX/XX/XXXX, XXXX  at XXXX I had money transferred into my account of {$18.00} that was not me. I didnt end up waking up until around that noon that day and saw this done on my account. My account ended up turning into the negatives and my card got suspended by the company. The pin on my card was used roughtly 10 plus times before it was guessed right. Now the company hangs up on me and wont refund me for any of my money and now considering me a hacker when I had absolutely no regulations nore access to such a thing. They lied to me many times saying they would send me a link to resend to link to fix me stuff and never did. Now Im stuck with over XXXX $ gone because of this that I cant get back
Consumer complaint received 2022-08-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any Purpose
Consumer complaint received 2018-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Dear Sir or Madam, I am writing to dispute the following information in my file : This item XXXX, which is classified as an Individual Chapter XXXX Bankruptcy with an owed amount of {$0.00}, and listed in Dismissed/Closed status per XXXX This item XXXXXXXX XXXX XXXX XXXX, which is classified as an Individual Bankruptcy with an owed amount of {$0.00}, and Dismissed per XXXX, and This item XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, Room XXXX, XXXX, AL XXXX, which is classified as an Individual Bankruptcy with an owed amount of {$0.00}, and Dismissed, is inaccurate because I would not file for bankruptcy if I had absolutely no debts included in this bankruptcy. This means that I am liable for nothing. In addition, the dates that this item was supposedly filed are inaccurate. This item is listed on my Transunion report as being filed on XX/XX/2017, on my XXXX  report as being filed on XX/XX/2017, and on my XXXX report as being filed on XX/XX/2017. I am requesting that the item be removed because it is negatively impacting my credit score and giving false information to potential lenders. After sending a letter to all three bureaus, I was not given an answer to the investigation, instead I was sent a letter to verify my current address, which Ive already done, and a letter stating that the item has previously been disputed and they dont want to investigate it again.
Consumer complaint received 2018-06-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Account Management Services, Inc. (FL)

This was from a Doctor in California. I provided all of the necessary insurance information as well as XXXX XXXX Account ( XXXX ) information for them to take care of any bills that may be mine. To my knowledge I did not have a balance. I was never contacted by the Doctors Office or informed i could dispute. 

Now it has popped up on my credit report and I have been receiving an overwhelming amount of harassing phone calls in an attempt to collect on a debt that is not valid/ was created out of negligence from the doctors office. The phone calls need to stop and this debt needs to be removed from my account immediately.
Consumer complaint received 2022-12-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: REGIONS FINANCIAL CORPORATION (GA)

XXXX - my bank card and bank account were hacked. A XXXX  account was set up using my information and my bank card XXXX XXXX purchases were made through XXXX  totally {$1000.00}. 
I spoke to XXXX 2 times via phone and sent email to the complaint department. I have asked them to remove the account and remove my personal information from their system. They are telling me they can't because there is history there and pending charges. This is a fraudulent account that should be closed immediately to protect thieves from stealing more of my funds. XXXX should be more concerned about this but they are not. Send an email, call the complaint dept. All of which I have done with no resolution. Please help
Consumer complaint received 2019-10-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Portfolio Recovery Services have been calling me using automated dial services. They show on my caller ID as " Portfoliorecov ''. When I answer there is no human on the other end of the call. The calls are from a prerecorded line. They never leave a voice message as to what the call is regarding. When I attempt to call the numbers back, it just rings and rings with no answer or goes to an automated service.
Consumer complaint received 2022-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been taking advantage of due to malpractice while several laws have been broken under the FCRA by under your company. This is causing me financial injury and deformation of character. I am unable to get a job or apply for credit. This have hurt the credibility of hurting my credit.
Consumer complaint received 2022-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-03-16
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (VA)

US Bank Has not sent me a of the year end escrow analysis, which was due XX/XX/XXXX by Law. They did send a notice saying they expect a shortage so send in {$980.00}. Now they 've sent another notice saying they now want XXXX and that I should send it in right away. The provide no escrow analysis, which again was due XX/XX/XXXX They also have not provided me with any accounting showing what my rate would be if I paid the amount and what it would be if I had it added to the monthly. 

By not providing the escrow analysis US Bank which was due XX/XX/XXXX US bank is in violation and is handicapping me with no accounting in which to make informed decisions. This is not very welcome on my behalf and it appears to be totally reckless, disregard to the escrow laws.
Consumer complaint received 2017-07-25
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc. (UT)

On XX/XX/XXXX I opened a credit account for {$3600.00} with XXXX XXXX. The sales representative suggested a VIP Credit Account with Comenity Capital Bank in which i would not have to pay interest for the first two years. Payments were made each month, on time, during those two years and the balance was brought down to {$1400.00}, but the amount was not paid in full. On XX/XX/XXXX, a Finance Charge was add of {$1300.00}. This amount is almost a 90 % addition to the actual money owed.  According to my contract, and my understanding at the time of sale with XXXX XXXX, if the account was not paid in full by the end of the two years, interest would begin to accrue until the amount is paid in full. I have attempted to contact XXXX XXXX and Comenity Capital Bank, but they have been unable, or unwilling, to explain how {$1400.00} remaining balance adds up to {$1300.00} fee? Further, there is nowhere on the XXXX XXXX Credit account customer portal where it states my actual current interest rate, or what is being accrued. I would appreciate your assistance in getting answers because i feel i was fraudulently treated by XXXX XXXX at the time of sale and have had critical information kept from me by XXXX XXXX and Comenity Capital Bank.
Consumer complaint received 2022-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC (CA)

Received credit card from Milestone  on XX/XX/2022. 
Found out there was an annual fee for {$170.00}. This same company has XXXX similar cards that charges a {$75.00} annual fee but when I applied I presumed there would be no annual fee because this was not disclosed on the application. When I tried to close the account on the same day I was told that it was impossible to do so. This is a scam.
Consumer complaint received 2023-03-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (CA)

Yeah, I'm reaching out because of the issue. I'm having with Chine I got money from an insurance claim because part of my house burned down. OK now I had to Yeah, I'm reaching out because of the issue. I'm having with Chine I got money from a insurance claim because part of my house burned down. OK now I had to directly deposited in the chime because I don't have an actual bank account, but I ended up getting one after I got some money. Well me and my fianc had to make a bunch of big purchases to get back to things we lost long story short they locked my account. I have sent him everything that is needed pictures and pictures of my ID and a bill that's in my name pictures of my chime card. Emails of the XXXX XXXX and it's been like two months and every time I contact the supervisor they say the same thing there's nothing they can do they have to send it to somewhere else and they keep sending me the same email saying that the proof I sent them is not sufficient but they won't tell me what I need to change or do different I can't talk to nobody that knows and I'm about to get kicked out of my house and I got XXXX kids to feed and they got all my money for bills locked up. I don't know what to do thank you.
Consumer complaint received 2021-04-14
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CAINE & WEINER COMPANY, INC. (MI)

I XXXX XXXX entered into a consumer agreement with XXXX for car insurance and was a college student at the time. Caine & Weiner opened a collection account on XX/XX/2020 for $ XXXX.XXXX illegally sold my debt to Caine & Weiner ( which is a third party ) .Caine & Weiner is violation of the following 15 USC 1692d ( 2 ) ,15 USC 1681a ( 1 ), 15 USC 1692d ( 1 ), 15 USC 1692b ( 5 ), 15 USC 1692b ( 2 ).
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (NH)

I called Navient on several occasions to lower payments based on my income and was pushed off making it so my loans went into a past due state which not only affected my credit score but also my cosigners. They also sky rocketed my interest rate from 7 % to 10 %. They also called me upwards of 4 to 5 times a day even though I expressed to them several times I needed to change my payment or defer it until I could afford what they wanted me to pay and they told me that was not an option.
Consumer complaint received 2021-09-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (HI)

On XX/XX/2021 I was scammed by an entity posing as XXXX. They sent me notices that my XXXX protection subscription was expiring soon, which is true. The notices had the real XXXX logo and looked real. I clicked a button on the notice to pay and was taken directly to Paypal. After I completed payment, what appeared was a sign that said I had made payment to " XXXX XXXX. '' I contacted XXXX and was told XXXX did NOT send any of the email notices about my subscription expiring ( even though my subscription will be expiring soon ) and the payment did NOT go to XXXX. I contact Paypal within LESS than an hour to tell them I was scammed and a victim of fraud. Paypal told me I had to resolve it with the " seller '' How can you resolve something with an entity with criminal intent that purposely scammed you and took your money? Paypal would NOT do anything to help me. They would NOT stop payment from going through. I asked a number of times and kept getting virtual assistance which denied my requests. They told me I had to file a complaint. I wrote out a complaint and had to give my personal info including name and adress, which I did thinking it was going to Paypal. Instead, Payplay sent that directly to XXXX XXXX. So now not only did they steal my money, now I am in danger of ID theft. Paypal would NOT do anything to help me. They closed my case. Paypal only cares about the money that they receive from processing fees from transactions. They do NOT care about all the people losing money from being scammed on their site. I saw in their " community '' that others have suffered the same fate I have and Paypal does NOT do anything to help people. They do NOT investigate or stop these criminals from continuing to prey on innocent people by using Paypal. So Paypal is complicit in these crimes. This may be the transaction number : XXXX I'm not certain. I made many attempts contacting Paypal, spending several hours online, only getting virtual and automated assistance. It was very exhausting and frustrating. I also believe, because I am a senior citizen, over XXXX years old, this is also elder abuse.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (IL)

GENESIS CREDIT MANAGEMENT , LLC is Reporting on my credit report without my consent 16 CFR 433.1 - Definitions. 

of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, as follows :
Consumer complaint received 2022-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

I have late payments posted on my credit report during COVID -19. During the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I did not give any company or consumer reporting agency written instructions or permission to report late payments, and your company as well as Experian, XXXX, and XXXX are in clear violation of the FCRA and the FDCPA for the following violations.

15 U.S. CODE 1681b ( a ) ( 2 ) Permissible purposes of consumer reports a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( F ) Reporting information during COVID19 pandemic ( i ) Definitions In this subsection : ( I ) Accommodation The term accommodation includes an agreement to defer XXXX or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period. ( II ) Covered period The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after XX/XX/XXXX ; or ( bb ) 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID19 ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates. ( ii ) Reporting Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current ;
Consumer complaint received 2022-01-13
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. (FL)

My XXXX Student Loan Account # XXXX is reporting as delinquent for missed payments for XXXX, XXXX and XXXX for 30 days late, 60 days late, and 90 days late respectively. However, I didn't even finish school yet and I don't pay on the loan until I graduate the loans are deferred until I graduate from school and I haven't even graduated yet. I graduate in two semesters so this doesn't even make any sense to me. XXXX XXXX XXXX is severely hurting my credit score and report where I can not even get an apartment with my credit score to rent a place near my school that they gave me the LOAN for. This is extremely frustrating and XXXX is ignoring all my emails and responses when I reached out to them. This is inaccurate, and unfair I need this fixed!