davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I was contacted on XX/XX/2021 by individual, " XXXX XXXX, '' representing himself as XXXX with XXXX  ( digital currency provider ). He stated that their system indicated my bank account had been compromised, and that he was going to help me resolve the problem. He proceeded to have me download software onto my device which he then used to enter my bank account. He spoke very fast, professionally reassuring me that he was saving my account, performing activities in my account so fast that I could not follow. While he was reassuring me he was saving me from fraud, he was sending my money through XXXX, actually stealing {$6000.00} under my nose. 
I was notified by Bank of America of the fraud, told they intercepted the exchange, and that they had my money, all was well. 
On this date, XX/XX/2021, Bank of America informed me that my claim was being denied due to lack of evidence, that my money would not be returned unless I provided evidence of " spoofing or porting. '' My phone provider, XXXX, can not offer that information. 
I have filed a consumer report with the FTC, which then also referred me to this website. 
I would appreciate any help at all. 
Thank you. 
XXXX XXXX XXXX e-mail : XXXX XXXX
Consumer complaint received 2022-07-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (AZ)

In XXXX of XXXX, I did a Covid forbearance with my Mortage Company, PENNYMAC LOAN SERVICES , LLC XXXX XXXX XXXX XXXX XXXX, CA XXXX. I did not make a payment for XXXX, XXXX, and XXXX and was told that the payments missed would become a 2nd mortgage interest-free and it would be paid when I sold my house. In XXXX of XXXX, I started to make my monthly payments again. I now have a loan statement that shows today in XXXX I have paid Principal {$5600.00} Interest {$5300.00} Escrow ( Taxes and Insurance ) {$3700.00} Fees {$7300.00} Credit Balance {$4400.00} When I call to inquire about the {$7300.00} I am told it was a mistake and they corrected it. It has not been corrected. I have requested a breakdown of the fees and was again told that it was payments missed allocated. I have requested a letter stating that the correction has been made and where the money was re-allocated and that the interest has also been corrected since the daily interest charges. I was told that that wasn't true interest doesn't work like that on a mortgage. I requested to speak to a supervisor and was left on hold for XXXX minutes then he came back and stated that no one was available but again assured me everything was fixed. 

You will see in the documents I am attaching that the documents and the online information do not reconcile and have different information on them. 

Also anytime I have made an overpayment and requested it be applied to my principal they have applied it to a suspense account and not reduced my principle to reduce my daily interest rate.
Consumer complaint received 2024-03-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Card Receivables Fund Incorporated (PA)

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items that you remain on my credit report in violation of Federal Law. You 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 that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately.
Consumer complaint received 2021-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation (TX)

I obtained a title installment loan from OneMain in XXXX and paid the loan off in XXXX. I contacted OneMain in XXXX to report that they're reporting my account as a charge-off ; which in fact it was not charged off, but paid in full. I have tried to resolve this matter with the company via letters and phone calls.
Consumer complaint received 2022-07-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/1998 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX PORTFOLIO RECOV ASSOC XXXX PORTFOLIO XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious PORTFOLIO RECOV ASSOC XXXX PORTFOLIO XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/1998 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (MA)

15 USC 1681Q- Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.

15 USC 1681b. Permissible purposes of consumer reports. A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. 

XXXXXXXX XXXX XXXX ( LATEPAYENT ) Account # XXXX PLease Help me correct this late payment and remove/deleted. 

XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX account # XXXX XXXX  Account # XXXX THESE ACCOUNTS WERE OPEN WITHOUT MY PERMISSION OR CONSENT PLEASE HELP ME REMOVE/DELETE THIS ACCOUNTS.
Consumer complaint received 2017-03-21
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: VW Credit, Inc (NJ)

Audi/VW Financial has stopped sending monthly statements in XXXX 2016 for the following reason : " You have made payments greater than actual due and we are using a third party company to issue statements. Since you 'do n't owe ' money we ca n't send you a statement. '' As a consumer, I am entitled to know 1 ) if they actually got my payment and 2 ) my current balance.
Consumer complaint received 2022-02-17
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

Today is XX/XX/2022 and this is my fourth time trying to submit this complaint about Experian to your company and each time my complaint has been rejected in your system. I XXXX XXXX XXXX XXXX XXXX is submitting this complaint for myself. I just got off the phone with your representative and your system wouldn't even allow her to submit my complaint by phone. What's really going on. Are you trying to do a stall tactic or what?????? This is not a joke for me. 
I have submitted my complaint to Experian numerous times along with several documentations verifying that I'm a true victim of identity theft and they are refusing to re-investigate my claim of the inaccuracies. erroneous and misleading information on my credit report. I'm a victim of several different companies : XXXX, XXXX, XXXX, Experian, XXXX, and the XXXX sent me a letter notifying me that someone has used my information to gain employment under my social security number. I have sent an XXXX reports and documents to back my claim on numerous occasions regarding my identity being stolen to the credit bureaus so that they could investigate and the have ignored my request and have also refused to investigate. I feel that this is a case of estoppel by silence which is a violation of my rights as a consumer.
Consumer complaint received 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

My account status on my Transunion report currently shows that the account is deragatory. However, this account has been paid off since XX/XX/2021 and should reflect closed instead. 
Acct : XXXX
Consumer complaint received 2022-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

N Accordance with the Fair Credit Reporting act XXXX  Account # XXXX / XXXXXXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX US Dept Of ED Account # XXXX US Dept of ED Account XXXX XXXX US Dept of ED Account XXXX XXXX US Dept of ED Account XXXX XXXX US Dept of ED Account 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 a account without my written instructions.
Consumer complaint received 2021-08-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc (NC)

Hello, This debt is the result of a residential electric bill at the home where I resided from XX/XX/XXXX - XX/XX/XXXX. 
In order to comply with FRCA guidelines, this debt is too old to be reported. 
Please have it removed from all tradelines. 
Thanks
Consumer complaint received 2022-07-06
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. (SC)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also stated a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-11-27
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (IL)

I have contacted American Express customer service XXXX separate times to inquire about when I will receive my welcome offer of {$300.00} credit and {$30000.00} mileage points associated with Offer Number XXXX, since I made the qualifying purchase of over {$1000.00} on XX/XX/2023. The last time I spoke with American Express on XX/XX/2023, the customer representative opened a case { reference number XXXX ) since he could not identify why I had not received my promotions.
Consumer complaint received 2022-02-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CONTRACT CALLERS INC (VA)

Account Name : CONTRACT CALLERS INC Original creditor : XXXX XXXX XXXX {$820.00} I was going through Chapter XXXX bankruptcy. This has been resolved through Chapter XXXX bankruptcy. Contract callers have incorrect dates for the account. I have reached out and disrupted this account with all the credit bureaus. 

I have attached supporting documents for your review. Please let me know if you need any additional information on my end. Thank you for your attention.
Consumer complaint received 2022-07-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

In XXXX I was contacted on a social media planform for romance marriage. He used a fake name XXXX XXXX. Birth place in Texas and race XXXX. All false. 
I was scam instead to send wire transfer to XXXX while he caught Covid-19 Respond Unit and to pay his medical bills because his bank account was frozen and he promised he will pay me all the wire transfer sent to XXXX XXXX XXXX XXXX XXXX while being treated form Corvid-19 for over XXXX He was suppose to be XXXX in XX/XX/XXXX. His doctor XXXX XXXX XXXX and his driver XXXX had passed away was the culprit scammer. He kept on asking to pay thru wire transfer before he will be discharged. Kept asking more and more till excited to {$400000.00}. If he ( us ) won't pay he will be sent to detention center of immigration in XXXX. Ones the medical pay will be paid then he will be discharged and able to come back home. It was all a lie.

I have all the wire transfer documents.

Please advise.

They posted fake photos of other attractive men and used as treating physicians. They were all fake. And there where all done in USA. To identify them by the phone number they used on
Consumer complaint received 2019-08-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc. (IL)

- I found an entry from ONLINE INFORMATION SERVICES on my credit report. 

- I searched XXXX for their phone number asking for more information. They refused to give me any information unless I " confirmed '' the debt. 

- I sent them a letter on XX/XX/19 asking for confirmation of the debt. I have attached a copy of the letter I sent as well as the Certified Mail confirmation that shows they signed for the letter on XX/XX/19. 

- I HAVE RECEIVED ZERO CORRESPONDENCE FROM THEM AND NO PROOF OF DEBT OR ANYTHING.
Consumer complaint received 2017-06-01
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)

I have tried resolving this matter with the debt collector after learning of this debt after obtaining my credit report. For months I have been going back and forth. I originally se nt 2 let ters to  XXXX   XXXX  asking them to validate this account listed on my credit report. I asked them to provide me with documentation bearing my signature or a contract that shows what I agreed to or what terms and conditions I signed up for. I am not even sure if the statutue of limitations has expired on this account, if in fact it belongs to me however, with no contract I have no way to be certain. Under  FCRA 609 I requested this information and it was not provided. However, the company did provide me with a small printout of one statement that does't look authentic in my opinion. This account is mere hearsay. After no resolution was made between myself and the collection company I reached out to the credit bureaus I was told this account was  verified and met FCRA requirements. I a sked the CB to provide me with the documentation and or information that was used to validate this debt to date no information has been provided to me. Instead I received a letter stating my claim could not be invesigated because the address listed on my letter did not match my credit file which is a lie I have attached a prinout of my credit report reflecting the address is listed. I will not send any personal financial documentation to a 3rd par ty company as I legally do not have to. I provided my social security number. Also after another search this debt collector is not licensed to collect in my state.
Consumer complaint received 2022-07-06
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (VA)

On or about XXXX XX/XX/XXXX, Freedom Mortgage issued a ESCROW Refund Check # XXXX for the amount of {$1900.00} for account loan number XXXX in which was my previous loan with Freedom Mortgage. I had a escrow overage for the aforementioned amount and was due that amount to be refunded to me. Freedom informed me XXXX XX/XX/XXXX they mailed a check for the aforementioned amount to my home address and subject property, XXXX XXXX XXXX, XXXX, VA XXXX. I NEVER RECEIVED THE CHECK AND OR CORRESPONDENCE IN REGARDS TO THE CHECK UNTIL XXXX XX/XX/XXXX. Freedom Mortgage informed me that because the check WAS NOT CASHED, they ( FREEDOM MORTGAGE ), APPLED the refund to my current mortgage with them for account # XXXX, in which I was informed there was an escrow shortage. I have called on numerous occasions since receiving the letter from Freedom in XXXX to seek resolution in regards to my refund. My last conversation was with a rep named XXXX XXXX, Agent ID ( XXXX ) XXXX on XXXX XX/XX/XXXX in which XXXX XXXX assured me ( XXXX XXXX XXXX, that he would escalate my concerns to higher up and provide resolution by XXXX XX/XX/XXXX. XXXX XXXX did not and has not followed up with me as of today 's date. I called on XXXX and XXXX XX/XX/XXXX and was told XXXX XXXX would call by XXXX a.m. on XXXX XX/XX/XXXX. THAT DID NOT HAPPEN!!!
Consumer complaint received 2022-07-01
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. (NY)

New information regarding complaint number XXXXMy name is XXXX and I am submitting this complaint myself. I received a letter from Equifax dated XX/XX/XXXX confirmation number XXXX regarding the inquiries listed. I, XXXX XXXX XXXX a consumer DEMANDS that Equifax remove these inquiries from my credit report and file IMMEDIATELY as they are a violation of my rights as a Federally Protected Consumer under title 15 chapter 41.USC 15a ( 2 ) ( b ). Also if I did not give Equifax to consent verbal or written consent Equifax is committing fraud which is under 18 USC 1028A. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-06
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. (MS)

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


The bureaus did not remove the previous late payments and permantly close the account which is harming me and causing injury.
Consumer complaint received 2022-07-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PNC Bank N.A. (SC)

PNC Bank required me to open up an account with them in order to close my HELOC. XXXX XXXX Loan Processing Analyst Sr ( XXXX ) XXXX # XXXX was my direct contact person. In XXXX was required to open four different accounts in order to receive a {$400.00} new client bonus. 
I contacted the company a few months later and they gave me the runaround. Stating I wasn't a new customer, because they merged with BBVA Compass. And I wasn't eligible for the new customer bonus. 
The merge was not complete at the time. I was reluctant to open an account with them, however, I was up against a rock and a hard place. 
I tried to reach out to the Branch I opened my account with, they gave me a customer support number to call. 
I spoke to XXXX XXXX at @ XXXX to try to handle the situation. She gave me the same spill about me not being eligible. We exchanged some not-so-pleasant words and I told her that I was going to be closing my accounts with them. 
A couple of weeks later I received an email from XXXX XXXX XXXX. I reached back out to her three different times and I have never heard back from her concerning my complaint. 
As a customer, I want what was due to me at the time of my opening of four accounts that I had no need for at the time.
Consumer complaint received 2023-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Reel Time Capital LLC (NV)

This company keep putting this on my report I disputed it three times this is the harassment no one can not afford. No cable bill {$900.00}. I am on Social Security receiving XXXX. They sent out letters. They email me constantly. This is harassment and this please be removed. Im tired of this company