davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (GA)

I paid my student loans to XXXX in full, then closed my account. My spouse, who passed away, also had student loans with XXXX. After she died, XXXX tacked her charges to my account -- -even though my account was closed. 
I submitted a complaint with the XXXX about it. XXXX XXXX, XXXX '' & lt ; XXXXXXXXXXXX & gt ; contacted me as my advocate at XXXX. 
He told me that the charge had been incorrectly added to my account. Moreover, he told me that the balance would be removed, and the credit bureaus notified. It 's been over month and a half since he gave me this update, and XXXX has not updated the bureaus. 
XXXX XXXX also has not returned my follow-up email or my call after I inquired about the lack of change. Please help me.
Consumer complaint received 2019-10-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

On XX/XX/XXXX I received a call from my bank of America, and text message stating that my ATM card ending in XXXX had been compromised, and they will be sending out a new card in replacement, I spoke with bank on XXXX of XXXX, I was told that I could use card, till XXXX of upcoming month, in which I asked why, since its compromised why use, so I discarded it..in outside trash in a plastic bag ... 3 days later I received a letter from them stating the card would arrive in 7-10 business days ... during that time frame several transactions were presented, I only disputed those in that time frame, nothing prior ... so chip card may have been found and used during that time frame, after receiving a lretter from Bank of America , that the investigation was closed??? I never spoke to them during the process, they left a fast message and the return callback number, put me into voicemail questions ... whwere I left messages ... on XX/XX/XXXX a Saturday I received a letter stating I was to be charged XXXX dollars, due to the findings ... as in the amount of disputed charges ... they stated a merchant said they deliver product, I requested proof of this delivery, via a signature of receipt ... the bank lady said that was not normal??? they are intending to take XXXX from my account on XX/XX/2019 ... this is not proper, and im disputing..they did not give me any credits for fees I was charged by regular merchants I pay, due to having to change ATM card, and I am out adds XXXX in fees ... please help
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-04-01
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: Resurgent Capital Services L.P. (AL)

I have recently reviewed my credit report and identified an account that erroneously claims I owe a debt It has come to my attention that this account is inaccurately reported on my credit profile. I kindly request you to verify the reporting method and either provide validation for this account or promptly remove it from my credit report. Under the provisions of the Federal Fair Debt Collection Practices Act ( FDCPA ), I am entitled to have the alleged debt validated by your agency. To date, I have not received any substantiating evidence demonstrating my indebtedness to your company. I hereby request that you furnish me with comprehensive documentation supporting the existence of this alleged debt.
Consumer complaint received 2019-10-07
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP (VA)

Between XXXX and XX/XX/2019 Selene Finance made a change to their payment portal. Now if you pay XXXX as payment and try to add XXXX as principal it comes to XXXX for the total. If you make the principal XXXX then it comes to XXXX. This is after their system failed for several months preventing the ability to apply any additional payment at all on the principal. 

They sent me a couple letters assuring me they arent skimming the pennies but I dont understand why they dont fix it. I also was seriously upset when I could not pay extra on the principal. But they sure call and harass you starting on the XXXX of the month if they have gotten your payment yet. 

Selene Finance is a terrible servicer and I am so sad that united veterans uses them for mortgage servicing.
Consumer complaint received 2019-05-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: TRANSWORLD SYSTEMS INC (CO)

when my daughter was in medical school, she took out loans to keep her family afloat. i cosigned the loans. and i would do it again if she needed it. she is doing what she wanted. i have been attempting to get a settlement on the loans so i can move on with my life. they have placed judgments/liens on my home. i have been trying since XXXX to get a response. NOTHING. where is the customer service?
Consumer complaint received 2019-10-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Early Warning Services, LLC (CA)

I was a victim of consumer fraud, in buying tickets to a Football game. I was asked to use Zelle to pay. I was concerned about this, until I read Zelle 's website, which states " Make every day better with Zelle - a fast, safe and easy way to send money in minutes '' Given that this was listed as Safe, I proceeded with the transaction. The tickets never arrived. When I reached out to Zelle I was told that there is no way to Cancel a Zelle transaction. This hardly seems " Safe '' as they had promised.

I looked over their website after the experience, and further found where it said " ith Zelle, you can send and receive money with peace of mind. Safely and easily send money to people you know through your trusted banking app ''.

This seems awfully fraudulent to me!
Consumer complaint received 2016-01-19
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch ()

I successfully completed my Chapter XXXX bankruptcy and the discharge was sent to BSI by the court, my attorney and myself by USPS and fax. They claim to have not received it, have not cashed the final payment from the BK court and are refusing my payments because they state I am still in BK. Wait times are ex- cessive, employees are rude, calls are not returned and they are great at dumping you into emails that have no contact information and nothing is getting done. This is placing my 'fresh start ' after BK in serious jeopardy and I am beyond panicked at the thought of this ruining my future when I am clearly trying to do the right thing.
Consumer complaint received 2024-04-01
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (AZ)

Citi Cards sent me a letter in my account that they are reducing my credit limit. 
They are reducing it bec. significant of the portion has not been used. 
But, I have worked hard to get this credit limit so, I can use it when deemed necessary or in the family urgency situations. 

I have been paying my credit card bill and have paid my bill on-time. I am being good customer and better knowledgable person about my expenses and credits. so, Why am I getting punished by reducing the limit.
Consumer complaint received 2019-05-24
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

The reason for my filing of this complaint is that this company is still reporting an account that It has fully failed to validate as required by the FDCPA. I first requested validation of this company account on XXXX. And until today I am yet to receive any validation response that I had requested. 

As a result, I am preparing to file a lawsuit against this company should they fail to remove this unvalidated account from my report as soon as Now. BELOW is the unvalidated collection account that I need to be removed from my report ASAP : PORTFOLIO RECOV ASSOC XXXX XXXX, Date Opened XX/XX/XXXX, Balance {$2900.00} PORTFOLIO RECOV ASSOC XXXX XXXX, Date Opened XX/XX/XXXX, Balance {$1000.00} PORTFOLIO RECOV ASSOC XXXX XXXX, Date Opened XX/XX/XXXX, Balance {$3500.00} I am attaching for your reference : 1. My earlier request for Validation I sent to this company 2. My small claims form prepared to proceed with court filing in case they fail to delete.
Consumer complaint received 2019-10-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

The 3 major credit bureaus ignored my request to provide me with the documents to verify the disputed accounts. As a result, this means that the items have NOT been verified or you can not verify any of these accounts under Section 611 ( 5 ) ( A ) of the FCRA. The unverified items still remain on my credit report in violation of Federal Law. The credit bureaus are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified these items as being reported correctly, yet no information has been provided to me. I have asked to be provided with the name of the individual, their business address, and telephone number of the individuals that were contacted to verify my accounts. The original letters were mailed out by certified mail on XX/XX/2019 and was delivered on XX/XX/2019 at XXXX for XXXX. The original letter was mailed out by certified mail on XX/XX/2019 and was delivered on XX/XX/2019 at XXXX for XXXX. The original letter was mailed out by certified mail on XX/XX/2019 and was delivered on XX/XX/2019 at XXXX for XXXX. The credit bureaus had 15 days to get me the information I requested so the information MUST promptly DELETED since it was not verified.
Consumer complaint received 2019-10-07
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (VA)

I had a 12 months no interest equal pay program that I was using to purchase a piece of jewelry from my wife at XXXX XXXX. The plan is no interest if you pay all 12 equal payments. I made 11 payments consecutively on the XXXX of every month for XXXX dollars per the arrangment. The last payment of XXXX was also made on the XXXX of the 12 month of the plan. This last payment was made on XX/XX/2019,  the due date using their auto pay system. 

Comenity Bank, XXXX XXXX card issuer, charged me accrued interest on XX/XX/2019 of {$380.00} stating that my account cycled on XX/XX/XXXX and therefore the promo expired before my payment was due. 

I am complaining because not only is this an unfair practice to customers but also because I made all of my payments on time per the schedule and the amounts that they provided me. 

I would like for Commenity to credit my account for {$390.00} and to reimburse me for the minimum payments that were taking from my checking account on XX/XX/19 ( {$30.00} ), XX/XX/2019 ( {$30.00} ), XX/XX/19 ( {$30.00} ) and XX/XX/19 ( {$35.00} ).
Consumer complaint received 2019-10-07
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: Experian Information Solutions Inc. (MD)

The 3 major credit bureaus ignored my request to provide me with the documents to verify the disputed accounts. As a result, this means that the items have NOT been verified or you can not verify any of these accounts under Section 611 ( 5 ) ( A ) of the FCRA. The unverified items still remain on my credit report in violation of Federal Law. The credit bureaus are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified these items as being reported correctly, yet no information has been provided to me. I have asked to be provided with the name of the individual, their business address, and telephone number of the individuals that were contacted to verify my accounts. The original letters were mailed out by certified mail on XX/XX/2019 and was delivered on XX/XX/2019 at XXXX for Experian. The original letter was mailed out by certified mail on XX/XX/2019 and was delivered on XX/XX/2019 at XXXX for XXXX. The original letter was mailed out by certified mail on XX/XX/2019 and was delivered on XX/XX/2019 at XXXX for XXXX. The credit bureaus had 15 days to get me the information I requested so the information MUST promptly DELETED since it was not verified.
Consumer complaint received 2019-10-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

The 3 major credit bureaus ignored my request to provide me with the documents to verify the disputed accounts. As a result, this means that the items have NOT been verified or you can not verify any of these accounts under Section 611 ( 5 ) ( A ) of the FCRA. The unverified items still remain on my credit report in violation of Federal Law. The credit bureaus are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified these items as being reported correctly, yet no information has been provided to me. I have asked to be provided with the name of the individual, their business address, and telephone number of the individuals that were contacted to verify my accounts. The original letters were mailed out by certified mail on XX/XX/2019 and was delivered on XX/XX/2019 at XXXX for XXXX. The original letter was mailed out by certified mail on XX/XX/2019 and was delivered on XX/XX/2019 at XXXX for XXXX. The original letter was mailed out by certified mail on XX/XX/2019 and was delivered on XX/XX/2019 at XXXX for Transunion. The credit bureaus had 15 days to get me the information I requested so the information MUST promptly DELETED since it was not verified.
Consumer complaint received 2023-08-14
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-06-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (TN)

I have paid this debt as agreed. It was paid on XX/XX/XXXX. I was told an email would be sent to me confirming payment in 3-5 business days. I have not received this email as of XX/XX/XXXX ( 13 business days ). When i call regarding this i am told it will be sent and it never comes. I am told to check my spam folder, which i do several times a day, and there is still no email. I even spoke with a so called supervisor and asked if it could be mailed to me and he actually told me that it cost to much to mail out the document. I spoke with a woman today who advised that she would have the document mailed out ( Thank you mama ) but i would still like to get the email as i have a business transaction that is being held up because of this matter.
Consumer complaint received 2019-10-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: North Shore Agency, LLC (VA)

I received a letter dated XX/XX/2019 from North Shore Agency attempting to collect a debt. The amount has been fully paid to the originating company and the check was cashed prior to this letter being generated. When attempting to speak to North Shore Agency on XX/XX/2019, their system hangs up on you if you don't select make a payment. This is a fraudulent attempt to collect a debit that isn't owed and the company clearly is only interested in trying to take the money not to cease illegal collection techniques.
Consumer complaint received 2023-04-10
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. (FL)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-06-15
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

I made an on-line mortgage payment to XXXX XXXX XXXXXXXX and they did not send confirmation that I made the payment and refuse to send me confirmation about the payment I made, although they agree I made the payment. I want written proof I made the payment and they refuse to give me that proof
Consumer complaint received 2022-02-12
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: Experian Information Solutions Inc. (PA)

Hi, my name is XXXX XXXX XXXX. I live at XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX. I am reaching out to have the negatives removed from my credit report. The items don't belong to me and they are impacting my score tremendously and I ask that they be removed from my credit file.
Consumer complaint received 2019-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (MN)

Onemain Financial - XXXX - Balance {$2500.00} - Type : Auto Onemain Financial - XXXX - Balance {$1.00}, XXXX - Type : Secured This is not an auto loan like you have been reporting on my credit report. I have the original signed contract and it is a Secured Loan. Not only is the loan type incorrect you guys have this loan listed on my credit report twice. Once as an auto loan and once as a secured loan with 2 different loan amounts. 

Please remove the falsely reported auto loan off of my credit report immediately
Consumer complaint received 2019-05-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NV)

On XX/XX/XXXX I went to Wells Fargo and asked if I could skip a payment because I had several medical bills. I spoke with XXXX XXXX. I agreed to pay {$400.00} more a mo. from XX/XX/XXXX to XX/XX/XXXX. I paid for XXXX on XX/XX/XXXX. I received my XXXX statmt and it showed my reg. pymt. I called on XX/XX/XXXX and spoke to XXXX and XXXX. The call was recorded. They told me the loan was paid and I had {$740.00} in a suspense acct.that I could use for my XXXX pymt. I only had to pay {$300.00} for XXXX. My XXXX statmt. showed 2 mos.late. I called and spoke to a supervisor, XXXX. She said XXXX and XXXX were wrong and I still had to pay my regular pymt plus {$400.00} extra in XXXX. I told her I had already paid other bills and only had {$300.00}. I asked her to listen to the recorded phone conversation I had with XXXX and XXXX. She said they were wrong and I still had to pay. They also reported to the credit bureaus that I was 3 mos.late with my mortgage. This isn't true.
Consumer complaint received 2022-10-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (MN)

Mortgage question : PNC BANK Spouse passed away in XX/XX/XXXX Surviving spouse contacts mortgage company regarding death, fills out the appropriate form and supplies death certificate in XX/XX/XXXX Deceased spouse only is listed on mortgage but according to MN law, I believe both spouses are required to be listed on title According to XXXX XXXX XXXX XXXX surviving spouse inherits mortgage and can assume it. We believed it be that no additional actions were required. 

XX/XX/XXXX, PNC reaches out to XXXX XXXX XXXX company to verify the homeowners policy has been renewed, as the mortgage has always been covered by private insurance. 

The homeowner had renewed the insurance policy with XXXX XXXX insurance but it was changed in XX/XX/XXXX to the surviving spouses name. We come to discover after reviewing statements that PNC did not change the name on the mortgage when receiving death certificate in XXXX. Now in XX/XX/XXXX, PNC reaches out to XXXX XXXX but claim they could not verify the Homeowners policy because it did not match the name ( deceased spouse ) on mortgage and added lender insurance on the loan. 

PNC did NOT change name on mortgage for a year, still listing the deceased spouse as mortgage owner. 

Because of this, the homeowner has been paying private and lender insurance. 

Not until XXXX did they change the name in the mortgage to the below instead of removing XXXX and replacing with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX