davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-08
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Westlake Services, LLC (AZ)

This is a complaint from XXXX XXXX against XXXX XXXX , XXXX  and Westlake Services LLC for improper communication tactics and repeatedly repossessing my vehicle when I was not in default on the debt. 

On XX/XX/2018, we purchased a vehicle from XXXX XXXX XXXX for {$11000.00} ( VIN XXXX ). We financed the purchase through XXXX XXXX , XXXX. Over the next 9 months, we made our regularly scheduled payments. I understand that at some point during this time, XXXX lost its legal status in Arizona and the debt was passed to Westlake. 

On XX/XX/2018, the vehicle disappeared. We thought it had been stolen ; but as it turned out, XXXX/Westlake had sent a tow truck to repossess it. Because of the disorganization of XXXX/Westlake, we did not get the car back until XX/XX/2018. 

A Westlake representative informed me that the car had been repossessed because of a clerical error. Apparently their computer system showed another debtor as the owner. Because that debtor was in default, my car had been taken instead of his I was offered no remedy, and was assured that the problem had been fixed and there would be no further confusion. 

On XX/XX/2018, the car was again repossessed. Once again, XXXX/Westlake seemed confused and did not know the location of the vehicle. We were given no assistance in locating the vehicle, and had to do all the legwork ourselves to track it down. Fortunately we were able to retrieve the car the next day. We were once again informed that, there had been a mix-up with our vehicle and another debtor 's debt, and offered no remedy. 

Since the second repossession, we have been hassled by Westlake representatives with nonstop calls. We informed them of the mix-up between debtor accounts, but they will not listen. We told them that we had retained an attorney, but they refused to talk to him. We have asked for assurance that the money we pay toward the debt is going toward our debt, but they will not provide this documentation. 

We need assistance clearing up this problem. We have missed work because the vehicle was taken and live under constant stress because we are being hassled with dozens of calls from Westlake every day. We are scared that Westlake is going to repossess the vehicle again. We don't even know if our payments are paying down our debt or not.
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2018-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PNC Bank N.A. (IL)

XXXX, I am notifying you in writing of the ongoing issue I am having with PNC. 
On XXXX-XXXX-18, check # XXXX was cashed for {$7500.00}. The balance owed to PNC Visa was {$1500.00}, an overpayment of {$6000.00}. I was the one that caught this error, not PNC. 
After speaking with many people in the escalations department and local assistant branch manager, XXXX XXXX PNC, I received notice ( in writing ) that the {$7500.00} was returned to my account. 
For statement ending XXXX-XXXX-18, I received a statement for charges made to my Visa for {$4800.00}, which would have been about 3 months of charges and was almost accurate with credits for past due and finance charges needed. 
The issue is that on XXXX-XXXX-18, check # XXXX was cashed again for the 2nd time, without any notice. 
The 2nd problem is that this {$7500.00} payment has not been applied to my Visa account. 
The {$7500.00} has been removed from my checking account but not applied to my credit card. 
No one can tell me where the funds went. 
I spoke to XXXX XXXX on XXXX from XXXX to XXXX, she assured me that this would get this resolved in a couple of days and that she would touch base with me on Friday, XXXX. 
I did not hear from XXXX on XXXX, so I called and left a message at XXXX on XXXX. 
She did return my call later that day letting me know no progress has been made. 
As of today, XXXX, I left XXXX another message at XXXX, no progress or any kind of resolution has happened to my missing {$7.00}, XXXX. XXXX. 
This is the worst customer service issue I have ever experienced. 
After having a 28 year experience with PNC, my disappointment and frustration is at an all -time high. 
I expect immediate resolution of this issue. 
I have spent hours trying to resolve this issue with no success. 
I would like the {$7500.00} returned to my checking account, all late fees/finance charges removed, and an accurate statement of the charges owed on this Visa account. I will pay the balance immediately once Im satisfied that the {$7500.00} is returned and WILL NOT BE removed again.
Consumer complaint received 2018-11-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (RI)

The first week of XX/XX/2018, my debit card was misplaced at some point in an unknown location. I looked at my account and noticed dozens of charges at various locations in my state, some I frequent myself, some I had no idea. I called and filed a unauthorized charges dispute as soon as I saw my account information. It was investigated and I wasnt sure what was a normal charge I made and what was unauthorized/fraudulent because I was out of sorts at the time. I was refunded within the next week or so for almost a thousand dollars. I just got an alert 3 months later that my refund is being taken back on XX/XX/2018 and that my claim is closed for further discussion. I did not make XXXX dollars worth of charges and can not be dismissed with a simple " we looked into it and its your fault ''. I will go negative and suffer many overdrafts if this action is permitted tomorrow and it will take me months of being behind on Bills to catch up. All for something that is not at all my fault.
Consumer complaint received 2019-05-27
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. (HI)

There is no sufficient information to support your claim..The payment here is sent in advance so I don't understand why this is a past due..Please fix this for me.. XXXX XXXX, XXXXT XXXX, XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2018-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO. (GA)

I filed a dispute for a charge of {$1800.00} that was a fraudulent company impersonating my timeshare company. I have spoken to Chase several times to resolve this for several hours. XX/XX/XXXX I was told it would be corrected after having a 3 way call with their fraud and dispute department. I received the credit on my statement, which was done twice erroneously, and corrected the next day. The correction, however, was done to both credits so I called again to have it reremoved and one person said it would be taken care of because she saw the error and had to transfer me to the right person to do so. That person then told me it showed I called to say the charge was valid which was both untrue and made zero sense. I have almost 20,000 in charges from XXXX XXXX XXXX and have no qualms paying for my legitimate charges but would appreciate assistance in getting fraudulent charges removed.
Consumer complaint received 2018-11-07
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: Experian Information Solutions Inc. (PA)

I am filing a complaint because Experian has ignored my request to provide me with the documentation that they have on file that was used to verify the accounts that I disputed. It is well past the 30 day mark and they can not verify these accounts. Under the Fair Credit Reporting Act section 611 ( 5 ) ( A ) - they are required to promptly remove all information which can not be verified that I have disputed. Pleas resolve this issue as soon as possible. Greatly appreciated. Thank You.
Consumer complaint received 2019-05-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (AZ)

It all started when Ditech changed my account number, previous to this change, I use to pay my mortgage and insurance together, to that same company. I use to pay XXXX  XXXX every month but with the account change, it made paying my mortgage and insurance difficult. XX/XX/2019, was when my account number has changed for both my mortgage and insurance. I made payment via XXXX XXXX of {$340.00} on XX/XX/2019. On XX/XX/2019, I made two separate payments of {$280.00} for my mortgage and {$75.00} for my insurance via Money orders. with my XXXX payment Ditech combined these payments to my insurance and not my mortgage. On both of these payments I included separate account numbers for my mortgage and insurance. I don't understand how Ditech could have combined both payments, if they both included different account numbers. On XX/XX/2019, I got a notice that I was suppose to include {$15.00} to my payments for accidental death insurance, which I included in XXXX and for XXXX. I also made a XXXX XXXX   payment to Ditech for XXXX for my mortgage and XXXX for my insurance on XX/XX/2019. On XX/XX/2019, I made a payment of XXXX for my combined mortgage and accidental death insurance. On XX/XX/2019, I received a notice from Ditech that I am delinquent on my mortgage for the months of XXXX, XXXX, XXXX and XXXX for the amount of {$1100.00}. I have proof of all my payments and have been losing sleep and being worried since I discovered that Ditech stated that they didn't receive my payments. I have done XXXX inquiries of who and where the Money orders have been sent and it was Ditech that received them. I have lost additional fund doing Money order inquires. I called Ditech been put on hold multiple times or no answers. I am trying to find out where XXXX insurance payment went, because they stated they did not receive it. In addition to all this fiasco, Ditech informed me that starting in XXXX, my insurance is to be paid to another company, world financial. But, according to XXXX payments, they included my mortgage payment in the insurance account.
Consumer complaint received 2018-11-07
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. (GA)

I submitted disputes on XX/XX/XXXX with all three credit bureaus to correct the payment history for 13 student loans from the same provider on my credit report. Each loan showed late statuses as of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, for a total of 39 late ( 90-120 days ) on all three credit reports. Each of these loans was in forbearance during these periods, so no payments were due. As part of my dispute I submitted documentation from the loan servicer ( on their letterhead ) showing the periods under which the loans were under forbearance. Upon speaking with XXXX on XX/XX/XXXX, I was informed that the dispute had been completed and the loan servicer denied the document was indeed theirs and refused to further discuss the status with the reporting agency. 

I asked the representative to explain how they validated the debt in accordance with my dispute and was advised that they had no documentation to support listing this item on my credit report or confirming the dates that show as late payments. The representative advised there was nothing they would do to validate the debt or the accuracy of the reporting. This is a violation of the FCRA as they have admitted to being unable to validate items on my credit report.
Consumer complaint received 2018-11-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NC)

On XX/XX/2018 Ocwen Loan Servicing provided a payoff for an investment property that I have had for approximately 11 years. The property was under contract and closed the first week of XX/XX/XXXX. I received a call from the closing attorney 's office in late XX/XX/XXXX indicating there was still a lien against the property and that I needed to pay the balance. I was told by XXXX XXXX XXXX, Paralegal XXXX, XXXX, XXXX & XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX. XXXX XXXX XXXX, NC XXXX Phone : ( XXXX ) XXXX that she was filing a claim with the title insurance company to protect the interest of their client. I received a call and email from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX and provided her with the same information I provided to XXXX. In my multiple conversations with Ocwen I have been transferred to multiple dead ends to have the problem with the incorrect payoff resolved. It is my understanding, although I have no communication from Ocwen, that foreclosure proceedings have began against the property. The loan is currently reporting as a XXXX balance across all credit bureaus and yet I am continuing to receive emails from the title insurance company and today a derogatory email that I wasn't meant to be copied on from the closing attorney 's paralegal XXXX XXXX in which she referenced me saying, " He will try and feed you a bunch of you know what, believe little of what he tells you. '' I had assumed since there had been zero communication from anyone that this matter was resolved until today exactly 5 months since the closing. I have read about multiple complaints nationwide against Ocwen for the same problem. I do not owe a balance.
Consumer complaint received 2023-03-17
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. (NV)

I submitted this complaint AGAIN to update this suspicious information. Credit Bureau must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 
XXXX XXXX : {$280.00}.
Consumer complaint received 2019-05-26
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: PNC Bank N.A. (VA)

In XXXX I kept receiving daily calls that my carrier Identified as Robo caller with medium level risk. Assuming spam I never answered at first but eventually I did to ask them to stop. Instead I got a lady claiming she was from PNC and asked for sensitive info such as DOB, etc. I told her Im not comfortable giving personal details over the phone, especially with the suspicious caller ID. She instructed me to go to the nearest PNC bank to be told what this is all about. I went to the PNC bank in XXXX, VA and a banker ( XXXX, I believe ) checked my account and assured me that ALL my accounts are in good status and that I can just ignore the spam/scam calls. 1 or 2 weeks later, I got a report from XXXX XXXX that my credit score went down almost XXXX points. I checked back with the branch manager and I was told one of my accounts was NOT on auto pay and hence the calls. 

I tried to get PNC to fix the reporting to the credit bureau to no avail. At this time when looking for mortgage, such refusal from PNC to fix their employees grave mistake will either cost me tens of thousands of dollars in premium interest or even worse having me denied a mortgage all together.
Consumer complaint received 2018-11-07
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. (MS)

XXXX XXXX continues to report inaccurate information on my credit report. I have attached documents showing that they stated that they have verified an inaccurate reporting of bankruptcy. I have requested their method of verification according to Fair Credit Reporting Act 611 ( a ) ( 6 ) and ( 7 ) from the original furnisher and XXXX XXXX   responded in writing that they contacted US Bankruptcy court in XXXX MS . This is invalid and inaccurate information and I have attached the letter from the US bankruptcy court as evidence that they do not supply any information to any of the credit bureaus. XXXX XXXX has refused to supply me with the name, address, telephone number of anyone from the US bankruptcy court in XXXX MS that they contacted.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NJ)

I am writing to follow up on my recent dispute regarding unauthorized inquiries on my credit report. While I appreciate the efforts made to address the issue, I am concerned that the remaining unauthorized inquiries remain unresolved. Please see attached the FTC Report that I submitted previously highlighting these unauthorized inquiries on my credit file.
Consumer complaint received 2018-11-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Credit Systems International, Inc. (HI)

Without any written or verbal notification, this medical facility ( XXXX XXXX XXXX in XXXX Hawaii ) who in fact got paid in full by my Insurance carrier for services rendered, turned both charges over to the collection agency " Credit Systems International '' as unpaid debt. Charges were for service date in XX/XX/XXXX for {$510.00} & XX/XX/XXXX for {$1300.00}. Even the collection company DID NOT notify us, until i applied for Residential Re-Fi in XX/XX/XXXX/XX/XX/XXXX, and was turned down due to Collection status on my record. 
It was then I contacted XXXX XXXX  XXXX who informed me that there was no Balance due and all payments had been received and the Balance on both charges was XXXX. 
Not having us notified at all by both companies has created sever personal/ emotional & financial harm. I thought that by law notifications are required. 
This is not fair and i need your help in taking appropriate action against both companies. Also, do I have a legal course of action available to me for harm done. 
Sincerely looking for your help.
Consumer complaint received 2021-07-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (GA)

Jefferson capitol Systems keeps calling about a Debt. 
I do not owe them or any other debt that is not secured and current. XXXX XXXX XXXX

I have perfect Credit, yet this company keeps calling my Cell and wife 's Cell, both registered on the Do Not Call since XXXX
Consumer complaint received 2018-11-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (AL)

Bayview keeps sending people to my home asking me to contact them. I have already been in contact with them several times. I had to pay two payments this month because my XX/XX/2018 payment was returned un paid from my bank. I made two payments two come out two different dates one for XX/XX/2018 for the XX/XX/2018 payment. And for the recent payment of XX/XX/2018 was made for XX/XX/2018. I currently have the XX/XX/2018 payment to come out on XX/XX/2018. It hasn't yet cleared my checking account for the XX/XX/2018. This is harassment bayview sending someone to my home all the time. Which i am current with my payments. If it makes them mad making complaints well it makes me mad them trying to harass me and lying with them saying they haven't talked to me. And how they go out of the way to send someone to my home and leave a note.
Consumer complaint received 2018-11-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION (TX)

I had a Hail Damage Claim on my roof. I sent the check to XXXX XXXX. Called two days later to have a final inspection done. The roof was repaired, but 1/2 screens and one broken window hadn't been completed yet. The claim amount for the screens and window totaled {$430.00}, .07 % of the claim check amount of {$6400.00}. My deductible of {$2200.00} covers these repairs. The bank/mortgage company on completion of the roof only sent 1/2 of the claim check instead of the full claim check, wanting to confirm all of the repairs had been done. I have been working in this industry since 1985, I have never had a company withhold 1/2 of the check if more than 90 % of the repairs have been completed. Now they want to send a 2nd inspector out ( it took 10 days to get someone the first time ) and wait again to mail me another check. I now have to pay the roofer the other 50 % of the funds out of my pocket and wait for reimbursement from the mortgage company. I know I am in a full repayment Chapter XXXX, but have less than a year left and have kept up all other payments. I feel that they are using my check as leverage and to also keep balances in their account, where they do not have to pay me interest, to use as compensating balances or required reserves they are supposed to have per federal regulations. It is a con job.
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WA)

There were issues with my automatic payment that I wasn't aware of because I'm in the XXXX and we were out to sea during that time. The issues were resolved, and the account was paid up. I've been a loyal paying customer for nearly two years without any missed payments.