davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-11
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: FIFTH THIRD FINANCIAL CORPORATION (TX)

On XXXX XXXX, XXXX I received a letter from Fifth Third Bank ( 5/3 ) stating ''a merchant security breach that may have compromise your debit card '' a new card is being issued, activate immediately & destroy old card. I activated the new card on/around XXXX XXXX, XXXX & destroyed the old card. I made a purchase WITH the new card on XXXX XXXX. On XXXX XXXX, XXXX I received a text ( & email ) regarding 'suspicious activity ' at XXXX Central Time. I responded & spoke with FRAUD department. XXXX fraudulent transactions are pending. XXXX transaction on XXXX/XXXX/XXXX & XXXX transactions on XXXX/XXXX/XXXX. Through further investigation I have been told that there are XXXX open cards on this account. I have NEVER requested MORE than ONE active card on this account! I requested a replacement card & to block all transactions on the card I believed to be compromised after 'suspicious activity ' ( XXXX XXXX? ) that I had seen on the account & have letterhead from the 5/3 ( came with the card used in the fraud ) stating " For your protection your current card will be deactivated upon activating your new card ''. I have been informed by 5/3 a 'supervisor ', CS XXXX XXXX , & Fraud XXXX ' that I am responsible for deactivating EACH card EVER issued to me. The 5/3 'supervisor ' stated the card 5/3 was notifying me about ( XXXX/XXXX/XXXX ) was a different card than the XXXX that was used for TODAY 'S FRAUD. I do NOT understand how MULTIPLE CARDS can remain ACTIVE when I applied for & have maintained, in good faith & standing XXXX CARD on XXXX debit/checking ACCOUNT! I immediately requested ALL open cards ( save the JUST activated ) be CLOSED. I have been told this has been done by the 'supervisor. ' I believe 5/3 CREATED this BREACH by permitting multiple cards to be active WITHOUT my explicit consent to have MULTIPLE cards ACTIVE on my SOLELY OWNED/PRIVATE account. I was engaged in a TRUST between me & Fifth Third Bank that 5/3 would manage my banking transactions. Having multiple cards ACTIVE without my written consent is a BREACH of my TRUST in their ability to professionally manage my transactions. This has created a HUGE problem for me by tying up funds that I had PLANS to use on XXXX XXXX as it will take UP TO XXXX -7 Business days for the fraud transactions to be assessed. Had ALL other cards been deactivated as the paperwork that came with the card used in the fraud stated ( old card will be deactivated ) - the previous letter of concern would have been unnecessary & the current fraud claims would never have occurred. Those charges would have immediately been declined on a 'dead ' card. This has, additionally, dropped my account BELOW minimum balance requirements which may result in BANK FEES that could be assessed against my account. Thus marring my 'in good standing ' with my account.
Consumer complaint received 2016-03-24
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: State Home Mortgage (GA)

When I purchased my home, I used the Georgia Dream program, which gives {$5000.00} towards closing costs and down payment. I was told it would be a 2nd lien on my property, but that it would go away after 5 years. I just learned that it does not go away and has to be paid back upon refinancing or selling of the property. I have spoken to other people who signed up for this program and they also thought the lien would go away after 5 years. There is not enough information online regarding the Georgia Dream program and I could not look this up to verify it. It is not fair to market something like this only to find out later that it has to be paid back unless you stay in the house forever.
Consumer complaint received 2022-04-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: PENTAGON FEDERAL CREDIT UNION (FL)

Hello I had a fraud committed on my bank account at Pentagon Federal CreditUnion on XX/XX/2022. As of today, XX/XX/XXXX, no one has contacted us or informed us how they gave away our money so quickly, but now we have no access to the money, it is all we have, and we have bills to pay. We keep getting therunaround. I noticed a wire transfer for {$4100.00} and a {$25.00} wire fee on my account on the XXXX of XXXX, which I did not do. I was told someone called and made the request on the phone. Since then, we have had nothing but roadblocks. They opened a new account hopefully for our funds to be put in, but we do not have access to that account either.
Consumer complaint received 2019-05-02
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: EQUIFAX, INC. (CA)

one inaccurate collection is reporting under my equifax credit reporting agency, this collection does not belong to me it is called as XXXX XXXX  XXXX # XXXX ) it was opened XX/XX/2013, this account is not mine. i have disputed this inaccuracy several times and equifax is giving me a hard time, please help me to resolve this problem, i will be attaching my police report and the FTC report received, thank you
Consumer complaint received 2020-02-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (CA)

I have 5 mortgages with PNC Bank since XX/XX/XXXX, in XX/XX/XXXX I refinanced all 5 loans. I originally had impounds for property tax and insurance but had the insurance portion removed due to errors caused by PNC paying 2 insurance companies and not discovering any problem until I reviewed my impounds almost a year later. 
In XX/XX/XXXX my impound account for property tax was seriously delinquent due to two factors.

1.PNC pays property tax in XX/XX/XXXX or XX/XX/XXXX even though property tax is not due until XX/XX/XXXX making the impounds 2 or 3 months short on funds for that year.

2. PNC Bank was collecting taxes at a XX/XX/XXXX property tax rate which was 40 % below XX/XX/XXXX rates, my impounds went up about {$110.00} per month per house to cover the arrears. I ask the bank to review the account in XX/XX/XXXX when the preliminary property taxes are released they informed me that they only do impound evaluation in XX/XX/XXXX every year which would be at the prior years amount. This is an irrelevant amount and does not reflect what is due in the present year. Due only to the banks incompetence again I have asked to completely close all 5 of my impound account so I could handle them correctly, they have agreed. They have billed me {$190.00} per account for a total of {$970.00} I refused to pay this fee. I would not entertain closing the impounds if they were done correctly.The loan is 13 years old.I know that the only reason I am requesting removing the impounds is due to total incompetence. I refuse to pay any fees.
Consumer complaint received 2020-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Certegy Holdings, LLC (TN)

XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I have attempted to resolve my accounts with Certegy. This company is by far the worse company to do business with. They lie. They lie and practice fraudulent tactics. They place things on your report that are NOT accurate and then never remove it. They have devastating consequences on people and peoples lives. They refuse to remove information that is NOT mine.
Consumer complaint received 2018-05-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Requested information about the debt from debt collection company and Transunion Received letter dated XX/XX/XXXX Debt collection " confirmed '' and remains on credit for debt owed to XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX Balance {$130.00} ( attached ) Requested for TransUnion to reinvestigate the debt. 

Received letter dated XX/XX/XXXX stating the investigation of the dispute is complete and has been confirmed. 

This is NOT my debt. I have never banked with XXXX XXXX XXXX. I am requesting that this debt be removed completely from all my credit reports and any other documents which may include this false information.
Consumer complaint received 2020-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

XX/XX/XXXX {$1800.00}, CREDIT BALANCE REFUND DEBIT.

So basically I made an extra payment for that amount and bank of America told they sent a check, but I told them to do a stop payment against it as I was flying for a vacation to XXXX, I called in once I came and they say the check is cashed, But I want you guys to tell them to match the signature on the check with bank records to determine the case. 

Thank You
Consumer complaint received 2017-12-28
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. (FL)

Please be advised that I am the victim of identity theft, a result of which is the reporting of negative information on my credit report. In accordance with the provisions of FACTA, I hereby request that such negative information be blocked from my report. The specific information that I am requesting be blocked is as follows : As required by FACTA and in support of my request, I am including a copy of my police report And police report filed with a law enforcement agency. I also hereby request, in accordance with the provisions of FACTA, that you promptly notify the company or companies providing the false and negative information that the information provided by them is the result of an identity theft, an identity theft report has been filed, and an information block has been requested. Thank you in advance for your assistance in this matter. Sincerely,
Consumer complaint received 2022-10-15
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)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 2021-04-16
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. (TN)

XXXX XXXX XX/XX/2021 SSN : XXXX To whom it may concern, Im writing this letter to dispute the following accounts : XXXX XXXX XXXX This company is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 

Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity XXXX XXXX. ) Violations of 15 U.S.C 1692g
Consumer complaint received 2021-04-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY (NY)

I was sent a XXXX  payment which is linked to my TD bank account. The funds were posted as available balance. I used some of the funds and was hit with a few overdraft fees. When I called rep, he emailed his manager to have it reversed because system wouldn't let him. They have done this repeatedly. The rep said this is an unfair tactic because why post the money into account if it isnt available and is " pending '' I have the call recorded. 

I have a couple of business and personal accounts with different banks. TD is the only bank who does something like this and gets away with it. When money is sent via XXXX. Its not reversible so its deemed YOUR MONEY and no OTHER BANK puts it in pending status and makes it available.
Consumer complaint received 2021-02-17
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. (FL)

THESE ACCOUNTS DO NOT BELONG TO ME SOMEONE STOLE MY PHOTO ID AND SOCIAL SECURITY NUMBER AND OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA. On XX/XX/2021, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-02-10
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: EQUIFAX, INC. (TN)

In XX/XX/XXXX, I received a letter in the mail about a bankruptcy, but I didn't pay much attention to it because my names was misspelled and I knew I had never filed for a bankruptcy so I just left that alone. In XX/XX/XXXX, I try to finance a vehicle and I was denied because of a low credit score. I left that alone and tried again in XX/XX/XXXX and I was denied again and I was not understanding why so I finally lit up and ask the salesman to show me my report and I wish I would of done this along time ago I was furious to know I had accounts opened under my name that I never ever opened and even more shocked when I saw the bankruptcy 's. I have never filed for bankruptcy in my life. The things I am reporting from my credit report do not belong to me. Please remove these things from my report.
Consumer complaint received 2020-02-10
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Cottonwood Financial Ltd. (NY)

I had taken this loan out in XXXX while i was stationed at XXXX XXXX XXXX. I was XXXX years old when i needed cash because i found out i wasn't going to recieve a paychecl due to a XXXX XXXX XXXX problem with the Finance Department. 

I made a few payments but was unable to keep up with the interest rates. 

I got out of the Military XX/XX/XXXX. I never received a single phone call from the company to resolve the debt, not one. i never received a bill in the mail - and i properly change my address upon each move i have ever made - with the USPS. 

here we are now in XXXX and i receive a phone call from Law firm that they are taking me to court in XXXX  ( I live in XXXX ) the first phone call i received was Last week on Thursday but they didn't answer - i just remember the wait time music. so when they called today i heard the music and thought, " Oh this is that weird phone call i got last week, i wonder what this is for? '' so when they picked up and explained the situation it all made sense. 

so from XXXX to XXXX i had never received a call, or bill and still haven't. they allowed me no turn around on going to XXXX  to answer the summons, and i haven't even received a summons formally in the mail as of yet? 

In XXXX i filed Chapter XXXX Bankruptcy and was under the impression this was covered under the loan. 

I was unaware of the Military Lending Act At the Time i applied for this payday/cash loan. i was also unaware of the Civil Servicemember Reliefe Act.
Consumer complaint received 2018-05-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc. (FL)

My mortgage was behind because I was working part-time and then lost my job. Florida 's Hardest Hit payed the past due, plus 12 payments. The loan was in default again because I still had no income. I was told that I didn't qualify for modification without income. Once my social security XXXX was approved I applied for modification. I was told that I needed to pay the past due amount so I did. I was then told that I didn't qualify for modification because I was not past due. I was then told that once I begin making partial payments I would fall behind again and would then qualify. I contacted XXXX for assistance but Seterus would not speak to me with them on the line, so I spoke with Seterus on my own. I only had a few days to make a decision and I was sick with the XXXX. I later realized that my interest rate remained the same, my payment was reduced by a minimal amount and my loan terms were extended an additional 30 years. The original mortgage was 30 years and I have approximately 20 years of payments. I would like to know why the modification ( which I thought was designed to benefit me as well as my lender ) has left me with a 40 year mortgage. I called on XX/XX/2018 and asked for an explanation of the terms of the modification.
Consumer complaint received 2023-03-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: BARCLAYS BANK DELAWARE (CA)

On XX/XX/2023 BARCLAYS BANK DELAWARE, XXXX XXXX XXXX, XXXX, DE, XXXX, ( XXXX ) XXXX, made an unauthorized fraudulent credit inquiry thru XXXX XXXX, and on XX/XX/2023 opened an unauthorized fraudulent carnival XXXX master card account using my personal information without my knowledge or consent, they appeared to have stolen my personal information to open a fraudulent carnival XXXX master card account for {$8000.00} I only got this information from them thru a phone call.
Consumer complaint received 2020-02-10
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: Experian Information Solutions Inc. (PA)

I have a collection account in my credit report that is about seven years old and dont belong to me showing. Late payments every months the account was previously disputed and removed but for some reason was reinstated in my credit report I asked Experian to stop reporting this account in the late payment status since that is hurting my credit report month by month I asked Experian to provide me with the way they had verified this account however they had no do so
Consumer complaint received 2022-04-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

I have asked numerous times to not be contacted and for them to not send out letters from them because they are sending them to my parents address and NOT mine. They have not provided me with accurate information. I just financed XXXX through XXXX XXXX for a auto loan. Not sure why they would approve me for that if I truly had a debt from them go to collections.
Consumer complaint received 2016-09-08
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Avant Credit Corporation (IL)

After having to retire early for my health, my husband and I had to take out a loan from AVANT to make it while I 'm waiting on SSA. Since we planned on paying it off it large payments we chose a loan company that advertised " no pre payment penalty ''. AVANT neglected to tell us that it must be done in XXXX lump sum. I paid {$2800.00} in the past month and only {$380.00} went to the principle. Apparently AVANT does tell you, just not in terms a lay person understands. I SPECIFICALLY asked if I could pay the loan in large payment to avoid the interest. AVANT completely reassured me I had no worries. To date we have paid about {$10000.00} on a {$20000.00} loan and our buy out from AVANT is just under {$18000.00}!! And unless I get a lump sum from somewhere else there is n't anything I can do. I asked AVANT the right questions, AVANT purposefully answered in half truths. I totally feel lied to, mislead, and scammed. Is this predatory lending? Is this legal? Is there anything I can do?
Consumer complaint received 2015-09-22
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Williams & Fudge, Inc (TX)

A creditor came to my place of employment at the bank and threaten to sue me if I did not pay back my private loan from XXXX XXXX College in XXXX Texas. I know this is clearly against the law.
Consumer complaint received 2022-10-15
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I ordered a copy of my report XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax XXXX and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the following accounts listed below. I believe it was reporting in error. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$2600.00}
Consumer complaint received 2020-02-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO. (NJ)

I was scammed on XX/XX/XXXX. The bank told me if the check cleared it was a good check. It cleared and was a forgery. I am out the money. Ithe bank took my ssi check in full for XX/XX/XXXX! I am {$820.00} in arrears now. My credit is great and I dont want this to ruin me beyond what it has done. I have been to Social Security office, the bank, the police and no one can help me. Can you please show this to a lawyer or someone who can help. I just read that they were not allowed to take my check. What do I do now? I am borrowing money from friends to get through the month. I am a good guy with good credit and I made a mistake. Do I get crucified for that? Nobody seems to help me! My number is XXXX I would appreciate if someone could take a look at this. Thank you in advance.