davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (NY)

I have been attempting to work with this company after a Covid19 forbearance for over two years. The original issue arose because I didn't understand that the forbearance period was only 3 months. As soon as I realized this, I attempted multiple times to extend the forbearance. All my attempts were rejected. Then I tried multiple times to defer the past due. Rejected. 

I paid the mortgage EVERY SINGLE month after that but the company continues to report me late every single month because, with the humongous interest and penalties they keep adding, I can never catch up. I am paying well over the monthly payment every month but they continue to report me late every month because my overpayment can't even make a dent in the almost XXXX XXXX DOLLAR interest and penalities they added to my account. 

The company told me that they do not have to help me because this is a line of credit and not a mortgage, and that they were not bound by the rules of the CARES act. They offered a ridiculously short forebearance and then refused to defer the forbearance amount even though I provided ample proof that I had no rents and no employment because of Covid. Then they piled on heavy interest and penalties and trapped me in a cycle from which I can never escape because I can never afford to pay it off. They refused multiple requests to defer the amount or waive some or all of the penalties. Because they keep falsely reporting my payments as late, my credit score dropped XXXX points and I can't refinance with any other company. 

I have submitted complaints about them here. Nothing happened. 

I recently filed what I believe is my sixth or seventh application, I have lost count. I only asked for a deferral of any past due mortgage payments I have not heard back from the company. I have attempted to call twice and end up on hold for XXXX XXXX minutes and get transferred multiple times only to get cut off before speaking to anyone who can help. 

This is not a difficult problem to solve. I am only asking PNC to waive some or all of the fees for late payments, defer any past due amount and correct my record with the credit bureaus. This is a reasonable response and what I believe was the legal requirement, that this company works with me to come up with a reasonable solution to keep me and my kids in my home. I have paid this company faithfully every month since I got this HELOC except for the forbearance period, and they have done nothing to help but only to harm my account with them and to destroy my credit so I can't find another company. 

If I can't get a reasonable solution via this complaint and my multiple applications, I will be filing a claim in small claims court in XXXX and will be seeking damages in addition to the above requests.
Consumer complaint received 2023-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CA)

I have a Sam 's Club Mastercard through Synchrony and they out of no where Closed my account. Account has always been in Good Standing and always paid on time. From one billing cycle to the next account was closed.
Consumer complaint received 2017-07-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: NAVY FEDERAL CREDIT UNION (NY)

So Navy Federal takes every penny that goes into my account out automatically to pay for a credit card I 'm behind on. If I put {$5.00} in my account, the next day it 's subtracted with a message saying " Tranferred to Credit Card ''. They are saying this practice is legal and they do n't have to give me my money back. I was wondering if this is the case? If so that 's fine and I 'll just open another bank account elsewhere. I just found it strange that a bank can continuously take funds out of your account for a past due card without your authorization. I 've been forced to open an account with XXXX XXXX because Navy Fed was completely cleaning out my account everyday without my permission. This just does n't seem right and they refuse to give me back anything. Please advise, thanks!
Consumer complaint received 2018-05-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Troy Capital, LLC (TN)

I had a judgement on me from XX/XX/XXXXvia XXXX XXXX. Who is now Troy capital. I did not know a bout this and had a closing scheduled on a piece of property in sc. Which was brought to my attention. I could not close due to they would not settle with me. I had contacted the attorney in sc who gave me a a pay off of XXXX Dated .. XX/XX/XXXX.. Then i get another attorney with the same judgement ( transferred to Tennessee ) and they would budge off their total. {$8600.00}. REFUSED to take lesser amount. 

1 Troy Capital is not the original debt.. it was XXXX. 
2 they held up 3 other loans from being paid due to their stance on this. 
3 2 different amount from 2 different attorney for the same debt. XXXX dollar difference in the SAME MONTH.. 
4 original debt was XXXX.
Consumer complaint received 2022-05-03
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: Experian Information Solutions Inc. (OH)

In Accordance with the fair credit Reporting ACT XXXX Account Names : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX 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 an account without my written instructions.
Consumer complaint received 2019-07-17
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. (AZ)

Re : Formal Compliant Against XXXX, Experian, XXXX and XXXX XXXX. 

To Whom it may Concern : This a formal compliant against the Creditor XXXX, and the three credit bureaus Experian, XXXX  and XXXX XXXX. They all have failed to send a written correspondence within 30 days and violated the FCRA & FDCPA laws. XXXX was sent a certified letter on XXXX19, and it was received on XXXX19 and  signed by a XXXX employee. I have not received a correspondence letter back from them. I sent the next letters to the Experian, XXXX   and XXXX XXXX, to address the inaccurate reporting on on my credit file, but theses bureaus have not sent me back a written correspondence to get a resolution to the issues that are very negative on my credit report. For all three bureaus letters were sent certified on XXXX19 and delivered on XXXX19 and signed by each of their employee 's. I have failed to received any correspondence to address this inaccurate information.
Consumer complaint received 2019-07-17
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. (AZ)

Re : Formal Compliant Against XXXX, XXXX, Equifax and XXXX XXXX. 

To Whom it may Concern : This a formal compliant against the Creditor XXXX, and the three credit bureaus XXXX, Equifax and XXXX XXXX. They all have failed to send a written correspondence within 30 days and violated the FCRA & FDCPA laws. XXXX was sent a certified letter onXX/XX/XXXX19, and it was received on XX/XX/XXXX.19 and signed by a XXXX employee. I have not received a correspondence letter back from them. I sent the next letters to the XXXX, Equifax and XXXX XXXX, to address the inaccurate reporting on on my credit file, but theses bureaus have not sent me back a written correspondence to get a resolution to the issues that are very negative on my credit report. For all three bureaus letters were sent certified on XX/XX/XXXX.19 and delivered on XX/XX/XXXX.19 and signed by each of their employee 's. I have failed to received any correspondence to address this inaccurate information.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. 
This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. 
According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now.

Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately
Consumer complaint received 2019-11-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: The Bureaus, Inc. (NJ)

I took out a credit card from XXXX XXXX back in XX/XX/XXXX in the amount of XXXX dollars. I filed a chapter XXXX back in XX/XX/XXXX, and the credit card amount was part of the chapter XXXX, it was discharged. 

The collection agencies which held the debt refuse to close the account. I filed disputes with the credit reporting agencies, it seems as if the credit collections are playing games also with them. The credit collections that I called today XX/XX/XXXX made me go in circle between XXXX XXXX XXXX and the Bureaus. I called these numbers : XXXX and XXXX, I was only getting back to where I started from to no avail..
Consumer complaint received 2018-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

This is a TOTAL FALSE STATEMENT AND I CAN PROVE I WAS NOT IN CALIFORNIA FOR THE DATE THAT I CANCELLED MY XXXX XXXX  RESERVATION!!! HOW DARE CHASE LIE ON ME!! HOW DARE CHASE LIE!! THIS RESERVATION WAS CANCELLED AS STATED WITH XXXX XXXX CANCELLATIN POLICY AND IT SHOULD NOT HAVE BEEN CHARGED SINCE I FOLLOWED PROTOCAL AND CANXELLED!!!! SHAME ON THE CHASE ANALYST THAT THREW THIS BOGUS STATEMENT TOGETHER AFTER THE NUMEROUS NUMEROUS NUMEROUS PHONE CALLS MADE TO DISCUSS - AND NOT ONCE DID CHASE ANSWER OR RESPOND!!!!!!!!! AND THE LETTER CHASE SAID THEY SENT ( THE ABOVE STATED LIE ) WAS NEVER SENT TO ME!!!!!! EVER. NOT TO MENTION, AS SOMEONE WHO TRAVELS OFTEN - CHASE CANCELLED MY CARD UPON THE COMPLAINT FILING AND I WAS WITHOUT A DEBIT CARD UNTIL THE REPLACEMENT ARRIVED. Moving forward - when I called to discuss additional reversals, these were charges that some smart CHASE person deemed to be duplicates BUT THRY WERE NOT DUPLICATE APPLE-TUNES CHARGES ... ... ..THEY WERE THE SAME AMOUNT FOR ALREADY FILED CLAIMS - FOR DIFFERENT DATES!!!!!!!!!!!!!!!!! UNACCEPTABLE UNAUTHORIZED!!! 
Disclaimer - I give JP MORGAN CHASE PERMISSION TO SHARE MY INFORMATION WITH THE CFPB.GOV. I have also filed a claim against CHASE with the BBB - however, CHASE has refused to answer the claim and thus, I am filing with the CFPB, which CHASE has to respond. Issue - several UNAUTHORIZED charges were claimed and credited - and by some miraculous mistake, CHASE has reversed my claims!! I have tried every attempt possible and CHASE is NOT  responding to communicate and rectify!
Consumer complaint received 2019-07-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX  and Transunion are incorrectly reporting me as an Authorized User on the XXXX XXXX - partial account number XXXX. ( Please see pages 3 and 4 of the attached credit report. ) I called XXXX XXXX XXXX and let them  know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX  however XXXX  and Transunion have not removed this from my credit report. I have contacted the two bureaus to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2018-05-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (OR)

On Sunday XX/XX/XXXX, I was applying for student loan refinancing online. Through this process I was able to see that Equifax and XXXX  had incorrect information on my credit report. My mother and I have the same name with a different initial and a debt collection of my mother 's ended up on my report. I called XXXX on XX/XX/XXXX and was able to not only file a complaint over the phone, but they were able to fix the error on my account at that time with an estimated 24-48 hours for it to be changed on my actual credit report. This is because they could see on the report that the account connected to the debt collection agency did not have my social security number and it was clear to them that this was not me. After this time I went to make my dispute with Equifax and put in an online request. Unfortunately, since this was a dispute on a debt collection agency because of a name merge with a family member, I was told to fill out a different form where I listed the debt collection agencies specifically - this was confusing to me to do multiple forms. I received a confirmation email today Tuesday XX/XX/XXXX with a confirmation number and saying that my dispute had been resolved and that I could check the results of my dispute online. I clicked the link and when I put in all of my correct information in the form, I was told that my information was not a match to my records ( which is not true ). I then called Equifax directly ( I would have called over the weekend but unlike XXXX they do not have their phone lines open on the weekend ) and was frustrated by my call. They told me that the reason I was having difficulty with the website was that there was an error within the system. I had to ask multiple times to have things explained to me. I also did not understand why this could not be resolved on the phone as XXXX  had done. I'm told that it could take 30 days for this resolution. I'm in a bad bind now because of this - while I do realize that it is not the job of the crediting bureaus to notify me of all changes on my account and that it is my responsibility to be informed of my credit report, I still do not understand why Equifax could not look into the dispute over the phone and help to resolve it then like XXXX  did. I've not had experience with credit reporting agencies before, other than when Equifax had the security breach and I needed to look into that and then place a freeze on all of my accounts, and so perhaps the speed of help with my dispute that XXXX was able to do is outside the norm and so I should not expect the same thing between companies. However, XXXX made it seem like this was a straightforward case given that the social security number associated with the debt collection was not mine.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2019-09-27
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: EQUIFAX, INC. (MT)

I disputed several hard inquiries that I observed on my Equifax credit report & after EQUIFAX completed their investigation, EQUIFAX mailed me a credit report confirming the inquiries I disputed were investigated and determined to be deleted from my credit report. Unfortunately I recently received a copy of my most recent credit report and observed that EQUIFAX reposted the hard hit inquiries that they told me were removed after their investigation was completed. This is a violation of the FRCA. EQUIFAX failed to notify me of the reposting. The following are the inquiries that were disputed and removed then posted again by EQUIFAX : XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. Furthermore, I am still waiting for EQUIFAX to remove additional hard hit inquiries that I don't recall authorizing because they have failed to provide me any documentation that confirms I authorized the inquiries and they are : XXXX XXXX XX/XX/XXXX, Florida XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX. 

I also observed 2 hard hit inquiries conducted by XXXX XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX. I contacted XXXX XXXX XXXX & spoke to XXXX ( I.D . # XXXX ) & was informed that Equifax was going to be contacted for the inquiries to be removed immediately. I am requesting confirmation from EQUIFAX that they were contacted by XXXX XXXX XXXX regarding this matter.
Consumer complaint received 2021-02-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Upstart Holdings, Inc. (CA)

I was pre qualified the loan on XXXX XXXX. I applied on XX/XX/2021. I was trying to obtain for this loan for money to move and use it as a deposit for a new place. Cheaper cost of living to be exact. Their was a wait for the application. During that time they had me gather documents for the loan ( bank statements, pay stubs ). They also did a soft inquiry. Then they asked for the front image of my last pay check that was already deposited a week before. Lucky the day of expiration of my loan terms I was able to find in the garbage the receipt with the check image. Then they complained about how the pay stub and the receipt was off by one cent. Then later in the evening I was approved for the loan. I accepted the loan. Then three minutes later I was denied because of another hard inquiry from a credit card in which I was approved for. Then I asked then since they would not give me the loan to have the hard inquiry removed from from credit report. They stated they could not do so. They told me to contact the credit bureau in which i did ( XXXX  ). XXXX  told me to ask the company for a letter of deletion. Upstart would do so. Now I can not get a new loan from other providers and it also will not help getting apartment with is inquiry on my credit report
Consumer complaint received 2019-07-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: MoneyLion Inc. (CA)

I signed up for MoneyLion 's promotional offer based on their Pave the Wage promotional campaign. The promotional offer was to receive 17 % of your direct deposit if you did the following : 1. Join MoneyLion 2. Set up a direct deposit of $ XXXX 3. Opt in to bonus 4.  Maintain direct deposit for 90 days to get bonus ( this needs to be 90 % of your initial direct deposit ) 5. Bonus you receive will be 17 % of your first direct deposit Right after opening the account I called up Moneylion and confirmed that all I needed to do was to wait for the bonus offer to show in the app and then opt in on the  mobile app to be eligible. I was able to do this a couple days after opening the account. Then I set up my direct deposit such that first deposit hit my MoneyLion account on XX/XX/2019. I continuously deposited the same amount ( or higher ) biweekly to meet the bonus requirements. 

After 90 days had passed I failed to see any bonus posted to my account. I called up MoneyLion and asked them what was the delay. Their response was I hadn't opted into the bonus offer as no email had been sent to my email account as is apparently customary. I mentioned I had followed their exact directions when I called them up when opening my account. There was no mention of a special confirmation email. Moneylion 's response was they wouldn't abide by the terms of the offer since no email existed.

This entire situation has been a scam. Moneylion heavily used gender equality to market their financial services and get lots of publicity. Then when the time comes to pay out they can renege on their offer saying there is some app or backend system issue and they don't have to abide by their contract. This is straight-up fraud. They may have pulled the same stunt on others as well.
Consumer complaint received 2019-07-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Enterprise Systems, Inc. (TX)

On XX/XX/2019 I I received a letter in the mail from national enterprises systems for a debt from XXXX for {$1700.00} I try to contact the collection agency waited online for one hour when the person came to the phone Ive tried to let them know that the account was not mine and they hung up in my face instead of trying to contact them again I got online with the help deck For XXXX XXXX and was referred to XXXX website to file a personal dispute
Consumer complaint received 2018-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: CREDIT ACCEPTANCE CORPORATION (FL)

Company inaccuratley reporting on credit report. Refuses to update payments. Cousomer Service veey rude states will not discuss actions taken to fix. States special rules with my account and will only comnunicate via mail for my account. Advised to send email only and emails were exchanged. 
Company is retaliating for having filed a complaint. 

Information from XXXX XXXX accurate and is updated in minutes of any action on my report. Company continues to yo yo around with my credit amount originatikn amount and now my payments.