davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

I was hit with two fees one after XXXX XXXX charged me for a subscription I canceled and reported it to the branch manager XXXX XXXX and he failed to act and got charged a XXXX fee and two XXXX fees for this, and sent him emails, and contacted customer service twice, and for purchase from XXXX and was charged another XXXX Fee and on XX/XX/XXXX, I was overdrafted by XXXX and hit with another XXXX fees. I want all the fees refunded under the XXXX overdraft fee protection act I do not allow my debit cards to cover purchases I do not have the funds for and XXXX for XXXX is highly excessive. The banker also does not respond and fix errors. I also stopped in the XXXX branch and spoke to sue XXXX about the XXXX XXXX and XXXX situation and she also failed to act!
Consumer complaint received 2019-09-12
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. (NJ)

Today, XX/XX/2019, I received alarm notice from Experian, stating it could not connect to my bank account to perform Experian Boost. I was anticipating score increase today due to recent utility payments, and immediately followed Experian 's online instructions to fix the problem. No luck, so I called Experian. Was told by first rep to disconnect my bank account and then reconnect. According to her, any points deducted from my score during this process would be reimbursed as soon as I reconnected my bank account. Although I was not comfortable with any of this, I disconnected my bank account. My credit score instantly decreased by 13 points. When I tried to reconnect bank account, Experian site again consistently prompted " Bank Unsupported ''. I called Experian 2nd time. 2nd rep told me to try to reconnect " at a later date ''. UNACCEPTABLE. I asked her to, at the very least, return my 13 points to my credit score. She wouldn't, and would not connect me with someone who could. At great personal cost, I have been rebuilding my credit. I am XXXX   XXXX and chronically ill. It is extremely difficult in my condition to jump through hoops consumers are put through by credit reporting agencies. Additionally, Experian insists on having your bank log in information, password, routing #, etc., which consumers are advised NEVER to furnish to anyone. My social security benefits are direct deposited into my bank account. I am worried to death about my money now. Due to XXXX XXXX, I am unable to physically get to bank today to take out my money, nor do I want to. I can not go to supermarket in person, so I need to keep my money in the bank in order to pay for groceries, as cash is not accepted by online grocery delivery services. Additionally, the frustration of credit score decrease instead of score increase through Boost which should have been done today is causing me to have a colitis attack which could very possibly put me in the hospital. I want my 13 points back. I want to know what Experian considers a " later date '' to reconnect my bank account. I want today 's Boost to be done - increasing my credit score.
Consumer complaint received 2019-01-16
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. (GA)

I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report. XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. I am doing this on my own behalf.
Consumer complaint received 2018-12-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (IL)

Fay Servicing LLC improperly applied thirteen ( 13 ) payments made to them during my Trial Payment Plan and subsequent HAMP modification from the period of XX/XX/XXXX to XX/XX/XXXX. Eleven ( 11 ) of  the payments included additional principal, but the additional funds were not applied to principal. Fay Servicing stated that the additional payments were applied to past due amounts from XXXX and XXXX, during which time they were not my mortgage servicer - and my home was in litigation for foreclosure. Due to the misappropriation of my funds and accounting reversals and late applications of payments on my account, my account balance due has never been correct, resulting in a higher balance and additional interest that I should not be responsible for.
Consumer complaint received 2019-09-12
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. (CO)

XXXX is reporting incorrectly to XXXX  ; Experian and XXXX a collection in the amount of {$900.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid and should be reporting a {$0.00} balance. This incorrect reporting of a collection is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus  to remove this item however, I have not been successful.
Consumer complaint received 2019-09-12
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. (CO)

XXXX is reporting incorrectly to XXXX ; XXXX  and Transunion a collection in the amount of {$900.00} on the XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) This account has been paid and should be reporting a {$0.00} balance. This incorrect reporting of a collection is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this item however, I have not been successful.
Consumer complaint received 2019-09-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I used to have a checking account with bank of america. I was talking online with someone that was hiring me for a new job from home. They send me a check with the amount of XXXX so I can buy the materials I needed to start as soon as possible working. When I deposited tue check two days later Bank of America closed my account, it turns out the check was fake. I was victim of fraud. They file this in my costumer report as I was depositing false checks. And that not true I was the victim. Now I cant open any other bank accounts.
Consumer complaint received 2019-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

These accounts below are more than 7 years old and should be deleted. Also these debts are all paid or I received an 1099-C for these debts. 

XXXX XXXX XXXX XXXX XXXX - - - Installment Negative XX/XX/2011 XXXX XXXX XXXX XXXX XXXX {$26000.00} - - Installment Negative XX/XX/2011 XXXX XXXX XXXX XXXX XXXX {$4900.00} - - Installment Negative XX/XX/2011 XXXX XXXX XXXX XXXX XXXX - - - Installment Paid XX/XX/2011 XXXX XXXX XXXX XXXX XXXX - - - Installment Paid XX/XX/2011 XXXX XXXX XX/XX/XXXXXXXX - {$3000.00} - Revolving Negative XX/XX/2011 XX/XX/2011
Consumer complaint received 2019-09-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I had previously a XXXX credit card and it has been discharged even in the credit bureau.All of a sudden port folio recovery shows up in my credit report saying the account was opened XX/XX/2019 and I owe them {$1100.00} and I had no knowledge of this. They buy charged off accounts to recoup much more money than originally owed. I live on social security and I want pay this because XXXX  closed this account and they were satisfied and they reported that to the credit bureau
Consumer complaint received 2024-03-24
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: LD Holdings Group, LLC (FL)

On XXXX, XXXX after XXXX  court finalized and I stayed with mortgage, my x-wife name needed to remove from mortgage. I communicated Loan Depot and informed them about the court decision. Requested mortgage assumption to remove my x-wife name from the mortgage. They requested from me the list of the documents that including court decision with including child support evidence as income to help me out in this process. Also they mentioned that this process usually takes 60 to 90 days. I prepared every single document requested from me and sent it to Loan Depot on XXXX, XXXX with XXXX. I have waited for them to answer until late XXXX, XXXX, but never heard anything. When I communicated with representative said they received it but divorce document was missing, and requested from me to send them one more time. I prepared everything sent it one more time, but I was 100 % sure it was in the package, also questioned them if something was missing why Loan Depot waited for 90 days which assumption needs to be finalize??? I waited until XXXX, XXXX  without communication. When I communicated again they said I need to send documents again one more time for final review. When I asked representative the cost of this assumption, I have been told that it will be around {$3000.00}. I sent documents one more time. After representative came up with over {$8000.00} last minute request because of my income was not qualified, actually it was perfectly qualified because house payment less than % XXXX of my total income. But representative entered personal income and spending information incorrectly on documents that it has been evaluated. I was frustrated and unhappy about her irresponsible service and questioned her why she did not mention before about over {$8000.00} which needs some preparation. Also, I requested from representative to correct all income and spending information on my record. I questioned Loan Depot about how come FHA requesting from me over {$8000.00} for only my x-wife name removal, when my house payment is less than 30 % of my total income and property has {$140000.00} equity on it which never ever makes sense to me. No explaination given and they denied assumption. I have been told that manager XXXX XXXX will call me about situation. I called him multiple times but he kept hanging up phone to my face like making fun of me. Never call me back. 
One more thing because of I complained about representative XXXX XXXX, she made mortgage hard inquiry on my credit without my authorization and sold it to all mortgage companies around the United States. I received more than 200 phone calls since then and I still keep receiving. Unethical business practices.
Consumer complaint received 2023-06-26
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. (IL)

These account listed below has violated my federally protected consumer rights 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
Account : XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX ( Auto ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (ID)

Have been trying since XXXX to get a pay off statement. After not receiving in XXXX we called again. We simply want to pay off loan. Last request was XX/XX/XXXX. They said we would have pay off quote in 7 to 10 days. Its now been 15 days.
Consumer complaint received 2023-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc (GA)

" I am deeply concerned about the way the card company has handled my situation. First and foremost, I feel my privacy has been violated as they required me to upload sensitive medical documents related to a XXXX XXXX, which I consider highly insensitive and an invasion of my privacy. 

Additionally, despite submitting relevant medical documents, the card company seemingly ignored this evidence, showing a lack of proper consideration for my claim. This negligence in evaluating my situation has caused me significant emotional distress, especially given the sensitive nature of my circumstances. 

Furthermore, the company failed to verify the missing payee information, despite the evidence I provided. This negligence on their part has not only caused me financial distress but also emotional turmoil. 

I believe I have been exploited as a vulnerable individual in this situation. Being XXXX XXXX of making such deals, I was taken advantage of, which I consider a form of financial exploitation. 

Moreover, it appears the company engaged in fraudulent activity by manipulating information in their computer system to secure insurance, protecting themselves while causing me substantial financial harm. As a result, I have suffered a significant loss of both money and property. 

The unauthorized contract, made with a person who had a representative payee, who was not present during the transaction, clearly indicates an unauthorized agreement. This, combined with the company 's deceptive practices, has left me in a dire situation. 

I urge the CFPB to investigate these matters thoroughly. The company 's actions not only violate consumer protection laws but have also had a profound impact on my life. I seek justice and restitution for the harm I have endured due to their unfair and deceptive practices
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: ALLY FINANCIAL INC. (MD)

Recently I saw late payments on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error and I just would like for it to be corrected.
Consumer complaint received 2019-01-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (MN)

On XX/XX/2019 I was charged two {$35.00} fees for debit card transactions. XXXX XXXX charged {$12.00} and XXXX charged {$9.00} for my monthly subscription. I was told when opening my checking account at the XXXX, MN location that I had the option to " Opt-In '' to Overdraft Protection for my debit card. I was told that if I Opt Out and use my debit card, they can decline the transaction, which is fine with me. I opted-out because I feel its senseless to pay a {$35.00} fee for a small pos transaction. 
Well, Wells Fargo failed to let me know that they still have a secret way they can charge me fees for debit card transactions, by constantly using the word " Recurring ''. This is a massive issue and of course its Wells Fargo creating this situation. 

I contacted Wells Fargo customer service regarding my account and told them I am not paying those two fees as I opted out of that service and they stated its different and its recurring. All they could continue to say was the word " recurring '' and that its legal for them to do this. I did not agree to this, I was not informed of this, and I would NEVER in any world authorize this. 

Wells Fargo told me they would credit back {$17.00} of the {$70.00} in fees. That is unacceptable, I will not pay a dime for any of these fees I did not agree to. 
It is kind of funny how even after hundreds of millions of dollars in fines for behaviors similar to this, they have concocted a way to continue to bilk consumers out of likely millions of dollars in overdraft fees using this magical word called " recurring. '' No where in any of my checking account paperwork did I agree to this. 
I feel this is a form of fraud and I urge the CFPB to look into this matter.
Consumer complaint received 2020-09-23
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: EQUIFAX, INC. (LA)

XX/XX/2020 i noticed accounts on my report that didnt belong to me. I immediately sent in a dispute to Equifax XXXX & XXXX. It has been since XX/XX/2020 I sent certified disputes in mail off & I still havent heard from the 3 credit bureaus & Im tired of waiting. I need results NOW!! COVID-19 should not give these people the power to not follow the FRCA!! This is a Violation that needs to be handled.
Consumer complaint received 2019-09-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JNR Adjustment Company, Inc (MA)

Company is attempting to claim rental car debt in claim which went to arbitration and other party was found at fault. Furthermore collector is attempting to claim fabricated charges such as " DIM VALUE - {$570.00} '' ( diminished value? ) on superficial bodywork which was fully repaired on rental vehicle. They are also attempting to charge a deductible {$300.00} but it's not clear what that is for, Loss of use {$250.00} and an " admin fee - {$150.00}. ''
Consumer complaint received 2019-09-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (NC)

I am filing a complaint against Ability Recovery Services XXXX. They are reporting negative information on my credit report. There is a collection account listed in the amount of {$140.00}. I have done further research and noticed that they are violating XXXX XXXX   State Licensing Requirements. I have attached proof from the XXXX  Department of Insurance ( License Services ) website. I am requesting for this account to be removed from my credit report
Consumer complaint received 2019-09-12
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. (FL)

You say that your company has reinvestigated these accounts and verified them as being accurate but it is obvious that you have verified nothing. All you have done is parroted information given to you by other sources and shifted the burden back to me to prove that the reported items on the accounts listed below are not valid which is clearly in violation of 1681 ( a ) ( 4 ).
Consumer complaint received 2019-09-12
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)

You say that your company has reinvestigated these accounts and verified them as being accurate but it is obvious that you have verified nothing. All you have done is parroted information given to you by other sources and shifted the burden back to me to prove that the reported items on the accounts listed below are not valid which is clearly in violation of 1681 ( a ) ( 4 ).
Consumer complaint received 2024-05-10
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Mid-America Accounts Control Bureau, Inc. (MO)

I am writing to bring to your attention a concerning issue that I have recently experienced with XXXX XXXX. 

I was offered a position with XXXX XXXX for which I was extremely excited and grateful. However, I was shocked and disheartened when they retracted the offer after discovering my disability in their medical records. I firmly believe that this action constitutes discrimination under the XXXX XXXX. 

To make matters worse, XXXX XXXX has since sent my medical bill to collections as further retaliatory measures. This has added unnecessary stress and financial burden to an already upsetting situation. 

I am reaching out to seek your advice and support on how to address this issue. I believe that it is important for organizations to uphold the rights of individuals with XXXX and to prevent discriminatory practices from occurring. 

Thank you for your attention to this matter. I look forward to hearing from you soon.
Consumer complaint received 2019-09-12
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. (TX)

These accounts below are not charge off 's. They are paid in full and should be listed as such. This wrong reporting information is causing me a hardship. 

XXXX XXXX XXXX Last reported XX/XX/2019 {$350.00} XXXX XXXX Last reported XX/XX/2019 {$2500.00} XXXX XXXX Last reported XX/XX/2019 {$950.00} XXXX XXXX XXXX Last reported XX/XX/2019 {$430.00} XXXX XXXX Last reported XX/XX/2019 {$220.00} This account below has wrong account balance and is paid up to date. 

XXXX XXXX Last reported XX/XX/2019 {$37000.00} This account below is not mines and i'm disputing. Also you will see this on my account twice. This company never contacted me or allowed me to dispute this debt. 

COLLECTIONS  {$31000.00} Reported balance XXXX XXXX XXXX   {$31000.00} Needs attention