davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc. (FL)

I have been living at XXXX XXXX XXXX for over a year. My contract ended XX/XX/2022. My final payment amount was {$1700.00}, which payment was made on XX/XX/2022 and was reflected in the bank account on XX/XX/2022. In addition to this payment, I lost one of the keys to access the pool for which the company charges {$75.00}, which was paid in full. All documents attached show that I did not owe this company XXXX XXXX XXXX anything.
Consumer complaint received 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

As ALWAYS with TRANSUNION, I have sent all personal information required to verify who I am. Only response was a mailing addressed to some other person at my address. 
I tried to contact transunion on their web site and by phone ... ..ALWAYS THE SAME. 
Can not log in because they force you into a loop making it impossible to log in. The same with phone contact. It goes to automated answering which does the same routine, THE LOOP. 
I am beginning to think that this is just another company that facilitates HACKING INTO PEOPLE 'S ACCOUNTS. There is no other apparent reason for their existence. They seem to XXXX XXXX  people 's information only to manipulate into some other entity. 

At the present time my phone has been on hold for over an hour with the same cacophony polluting the airwaves.
Consumer complaint received 2021-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE (NV)

The Credit Card Statement ending on XXXX XX/XX/2021 is not totally correct. I sent 2 e-mails to the credit card company on or about XXXX XX/XX/2021. I received a generic response back for both e-mails. I then called the Office of the President of the company and waited 24 hours without a response before I filed this complaint. I also attempted to discuss this issue with the phone Customer Service Representatives on XXXX XX/XX/2021. One was no help and the second, who I think was from a call center in XXXX was attempting to help, but we were disconnected and I didnt receive a call back. 

A person cant pay off an Easy Pay Transaction early without undertaking draconian measures. 

Please answer these 3 questions separately. All are from the XXXX XX/XX/2021 statement. I paid the XXXX XX/XX/2021 statement balance in full on XXXX XX/XX/2021 which was the due date.

1. There is a Interest Charge of {$42.00}. This is located on pages 1, 3 and 5. Since the previous statement was paid in full, there should not be any interest charges. Please explain this charge.
2. The minimum payment due is incorrect. It should be between {$29.00} and {$39.00}, not {$450.00}. Which invalidates the complete Payment Information Block to include how long it will take to pay off the statement balance. The minimum payment due is between 11 and 12 % of the Statement Balance. Is it this high as retaliation for a previous CFPB complaint?

3. The statement balance on page 1 of {$3900.00} are the new charges since the previous statement. On page 5, Easy Pay Summary, the summary still identifies 3 transactions as having a remaining balance. Those balances should be XXXX. Instead the statement identifies a balance of {$2400.00}, which is not reflected in the XXXX XX/XX/2021 Statement Balance. Please explain why there is an outstanding balance since I paid the XX/XX/2021 statement in full. 

My last charge for this credit card is XXXX XX/XX/2021. The only two options I have determined for this credit card to get out from under Easy Pay is to either not use ( new charges which Im selecting now ) or cancel the card. There is no way to pay off the Easy Pay charges early. Barclay Card is right up there with pay day loan companies.

I am also going to file a complaint with my Federal Senator to have the CFPB look into the procedures of this company. 

Included to XXXX XXXX will be a complaint concerning this issue to make them aware of their advertising choices.
Consumer complaint received 2024-01-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Affirm Holdings, Inc (IL)

Signed up with Affirm because they advertised their 4.37 % interest rate with their savings account. Seemed easy and trustworthy as they are used on a lot of popular websites such as XXXX and XXXX. 

Transferred XXXX  XXXX ( meant to try {$8.00} ) ; Affirm customer service said they could not assist. Then escalated but they never reached back out within the timeframe provided ( XXXX hours ). 

Now, the funds have cleared in Affirms savings account but can not transfer due to a random freeze which none of the companys agents have access to, allegedly. I requested for my routing and account number so I can attempt a withdrawal but they refused. 
Affirm shows Available Balance : {$8000.00}. 
My credit union recommended I reach out again but I already have and it seems to be common -via Reddit forum.

I understand Affirms savings accounts are held by XXXX XXXX XXXX  : They are a New Jersey State Chartered Commercial Bank, Member FDIC.
Consumer complaint received 2018-07-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc (NY)

I'm having trouble disputing and removing a collection account on my report. 
On XX/XX/18 I submitted an dispute for Hunter Warfeild via XXXX in the amount of {$3300.00} based on the grounds of Fraud/Not my mine which the finial Result was : Verified As Accurate And will likely stay on my report. 
This is incorrect, I have NEVER opened or had any account with creditor XXXX XXXX XXXX. XXXX XXXX XXXX XXXX is an rental management company that I have NO knowledge of/Rented from/Applied for credit from. 
On XX/XX/18 I sent out the requested official documents which included court documents, medical documents, and government documentation along with my ID to Hunter, Warfeild via email supporting my claim that I was residing in a different state at the time this account was supposedly have been opened. 
This is my official proof that I have no knowledge of this debt. 
On XX/XX/18 I received confirmation that my notice of dispute has been received, However the notice dose not provide enough information. This is incorrect. I submitted OFFICIAL government documentation along with identification. 
I also requested to see any certified/official documentation that supports the claim to this collection account, I was unsuccessful in receiving any documentation which could help me move forward with legal action.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (DC)

XXXX XXXX XXXX XXXX the primary cardholder XXXX XXXX add XXXX XXXX as an authorized user on XX/XX/XXXX. Authorized users was issued their own credit card with their name on it. This was reported on all three major credit bureaus ( XXXX, Experian and XXXX ). 
On XX/XX/XXXX Account Number XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE you have additional questions about this item please contact : XXXX XXXX XXXX XXXX, as a result my FICO Score drop from XXXX to XXXX this is a pattern with XXXX XXXX XXXX XXXX on XX/XX/XXXX my FICO Score was XXXX drop to XXXX, I contact XXXX XXXX XXXX XXXX on XX/XX/XXXX their response were have the primary cardholder XXXX XXXX to add you again as an authorized user. 
According to 12 CFR 1026.12 Special credit card provisions accepted credit card means any credit card that a cardholder has requested or applied for and received, or has signed, used, or authorized another person to use to obtain credit. I was not treated fair. 
The primary cardholder XXXX XXXX receive no Notification from the card issuer by telephone, or in writing that the authorized user have been deleted from the primary cardholder credit card.
Consumer complaint received 2022-02-24
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have reviewed my credit report and found the following inaccurate information and unknown accounts are still reporting under my credit report, I am listing the following inaccurate accounts in order for you to DELETE from my Credit Report. 
DELETE - XXXX XXXX  per Section 533 ( c ) ( codified at 50 USC 3953 ) DELETE - XXXX XXXX per Section 533 ( c ) ( codified at 50 USC 3953 ) DELETE - XXXX XXXX per Section 533 ( c ) ( codified at 50 USC 3953 ) DELETE - XXXX XXXX per Section 533 ( c ) ( codified at 50 USC 3953 ) DELETE - XXXX XXXX per Section 533 ( c ) ( codified at 50 USC 3953 ) DELETE -XXXX  XXXX per Section 533 ( c ) ( codified at 50 USC 3953 ) DELETE -XXXX  XXXX  per Section 533 ( c ) ( codified at 50 USC 3953 ) DELETE - XXXX XXXX  per Section 533 ( c ) ( codified at 50 USC 3953 ) DELETE - XXXX  per Section 533 ( c ) ( codified at 50 USC 3953 ) DELETE - XXXX per Section 533 ( c ) ( codified at 50 USC 3953 )
Consumer complaint received 2017-09-01
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A. (NH)

I have a New servicer " PNC Mortgage '' recently servicing my loan. I read a Law that says " an automatic cancellation of PMI '' would be triggered if my mortgage pricipal balance drops to 78 % of my original principal balance. Currently my principal balance dropped to 76 % below 78 % required to automatically cancelled my PMI. I called PNC mortgageXXXX and they are asking me to reappraise the property again even though since I bought the property 2 years ago ( XX/XX/XXXX ) real estate prices went steadily up in the 3 % range in the XXXX XXXX AREA and PNC mortgage wants me to reappraise the property and wants me to pay them {$XXXX} check up front and it is their appraisal who would appraise the property and I do not have a choice. 
For my mortgage INFO : Original appraised value at the time of closing ( XX/XX/XXXX ) :XXXX Money I have put down:5 % Mortgage principal balance at the time of closing:XXXX Current Mortgage balance as of ( XX/XX/XXXX ) :XXXX
Consumer complaint received 2024-06-03
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Cash Express, LLC (KY)

I am homeless I dont have the funds to repay the loan At this time. A letter was written to the company to stop taking automatic payments/ACH authorizations from my bank account on XX/XX/year>. I Informed the company that I was revoking authorization of debit and via electronic funds being taken out of my account, the revocation applied to any and all future debits. The company has still been charging my account without my authorization.
Consumer complaint received 2022-08-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: DriveTime (TX)

I signed a contract with drive time on XX/XX/22 and was never given 2 copies of information informing me of might rights to rescind. As if they were intentionally misleading me. I recently submitted a affidavit of rescission to drive time at XXXX XXXX XXXX XXXX XXXX fl XXXX on XX/XX/22
Consumer complaint received 2022-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (GA)

I was scammed on a job site. I was sent a check that was not a good check. I was asked to send money over XXXX and then it clicked the check was a scam. Wells Fargo will not work with me on the check not being owed to the bank by myself. XXXX is investigating the transfer. I need Wells Fargo to make my account good again and show I don't owe them money.
Consumer complaint received 2015-04-29
Product: Credit card — 
Issue: Rewards — 
Company: U.S. BANCORP (VA)

As stated in the US Bank credit card terms and conditions a XXXX night award stay results in the XXXX night free. This is a benefit of the credit card and is available for those who pay the {$75.00} annual fee. I have been notified that this card benefit is going away in XXXX 2015. I have paid my annual renewal of {$75.00} and feel I am entitled to this stated benefit for the duration of the paid period. 

XXXX XXXX Visa XXXX XXXX XXXX Card Terms and Conditions : Complete terms and conditions are described in the Club XXXX Visa Cardmember Agreement and the Card Benefi t Program rules ( described inthe Benefi ts Guide ), which are provided to new cardmembers and are subject to change from time to time. 
XXXX Earning Points : For each dollar ( {$1.00} USD ) of eligible Net Purchases ( purchases minus credits and returns ), XXXX XXXX XXXX XXXX Visa Signature Cardmembers earn XXXX Points at any XXXX hotel. For each dollar ( {$1.00} USD ) of eligible Net Purchases, XXXX XXXX XXXX XXXX Visa Signature Cardmembers earn XXXX Points everywhere else Visa is accepted. 
XXXX Bonus Award Night : When you redeem Points for Award Nights of XXXX or more consecutive nights at the same XXXX XXXX hotel property, you will receive the last of the Award Nights of thatstay free without deduction of any Points from your XXXX XXXX account ( " Bonus Award Night '' ). Your Account must be open and in good standing. Your account must be open at time of redemptionto qualify for Bonus Award Nights ; any Award Night reservation made before your Account was open will need to be rebooked to qualify ( rebooking is subject to availability ). 
XXXX Renewal Bonus : Each year that you renew your Account by making at least the minimum payment by the due date printed on the Account statement in which the annual fee is billed, you willreceive a Renewal Bonus of XXXX Points. Please allow 6 to 8 weeks after the payment due date for your Renewal Bonus to appear in your XXXX XXXX account. 
XXXX XXXX reserves the right to add, modify or change the Terms of this Offer without notice. 
Please refer to your XXXX XXXX Visa Cardmember Agreement and the Card Benefi t Program rules as described in the Benefi ts Guide for the full terms and conditions of the Program rewards and benefi ts. 
The creditor and issuer of this card is U.S. Bank National Association, pursuant to a license from XXXX XXXX XXXX. 
XXXX XXXX XXXX 2014 XXXX XXXX XXXX XXXX and U.S. Bank National Association. All Rights Reserved.
Consumer complaint received 2017-09-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (OK)

Filed for a loan modification in XX/XX/XXXX with OCWEN Loan Servicing. I was 2 payments behind and they already denied other remedies for the problem and told me I had to apply for a loan modification to fix this problem. I was ask for documents over and over and over again. I would send more documents and they would ask for more and more. I would try and talk to " Relationship Manager '' and she was NEVER available and was told it would be 3-4 weeks even with an appointment. Waited for calls and they would do nothing except for tell me that I needed more documents and say I did not send then. I have emails to prove the documents were sent. They ask for my ex husbands signature even though the loan had already been put in my name only years earlier, I was told there was nothing I could do except get his signature because his name was still on the loan. ( It was not ) They foreclosed on my home while waiting on the loan modification. My foreclosure was overturned in the middle of XX/XX/XXXX and I was told they were still working on the problems And I would be receiving a letter on what I needed to do. 
I received a default letter a couple of weeks ago and I called XXXX XXXX that has been working the problems on my case and I was told they were NOT forclosing on my home and that she was sending an email to XXXX XXXX XXXX my relationship manager and ask her to call me about what I needed to do to get this issue fixed. I told XXXX XXXX I wanted to keep my home and I still needed the loan modification! I told her I would start making payments but I did n't want to make payments on a house they were foreclosing on! I just needed information on what I need to do to get this fixed! 
Today XX/XX/XXXX I received another foreclosure letter, foreclosing on my house for a second time from attorney XXXX and XXXX, XXXX. ( See attachments ). Since I never heard anything from XXXX XXXX I sent emails with new paysubs, bank statements, lien release on my car. Everything I thought they might possibly need, even though I have not received another letter, or phone call! I received confirmation they received them. I did not get any follow up email, letters, phone call about my loan modification again! The only reply has been foreclosure papers!!!!! 
Please, please, please help!!!! I do n't know how to deal with this company that will not respond!!! They sent a letter to Oklahoma Attorney General in mid XXXX turning around their demand for a signuture of my ex-husband that I had told them since XXXX they did n't need and ask them to look into this because it was wrong. I was hung up on, told to send documents I had sent over and over again, then told they are old now and I have to start over, then when I would get upset I was hung up on, told I was wrong, I would beg them to just actually look at the documents that I had sent and they would see that I had sent them what they needed, and that it would be weeks to make another appointment! 
I NEED SERIOUS LEGAL HELP!!!
Consumer complaint received 2021-07-19
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)

IVE SUBMITTED LETTERS TO THE CONSUMER REPORTING AGENCIES REGARDING SOME ACCOUNTS REPORTING ON MY FILE. THEY ARE VIOLATING MY CONSUMER RIGHTS UNDER 15USC1681A ( 4 ) AS I HAVE A RIGHT TO PRIVACY. THEY ARE ALSO VIOLATING 15USC1681A ( 2 ) B AS I HAVE THE RIGHT TO EXCLUDE THESE ACCOUNTS THAT ARE REPORTING ON MY CONSUMER REPORT AND UNDER 15USC1681N THEY ARE NOT COMPLYING WITH ME AS THE CONSUMER.
Consumer complaint received 2022-08-30
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: EQUIFAX, INC. (MI)

in accordance with the fain Credit Reporting act XXXX Account number XXXX 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 states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-08-30
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. (MI)

in accordance with the fain Credit Reporting act XXXX Account number XXXX 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 states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2017-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

I have had a Capital One credit card for 8 or 9 years. Around XXXX XXXX, I had called to see if I could switch from a Platinum XXXX to a XXXX card. I spoke with a gentleman that told me it was an easy upgrade so my interest rate would stay the same, card number the same, but with no more annual membership fee and 1.5 % cash back. Just now I realized my balance was higher than the last time I checked when I had not used the card. On XXXX XXXX, XXXX I was charged a {$39.00} membership fee. I looked back and was charged the same thing in XXXX XXXX. I checked the Capital One website and saw clear as day under the XXXX card description that the annual fee is {$0.00}. I called them this evening XXXX XXXX/XXXX/XXXX XXXX and spoke to 2 people that both told me they have a membership fee on this version of the XXXX. They refused to fix the problem and claimed that I must have agreed to it because all the representatives have to disclose that this is a different version of the Quicksilver than what is advertised. I was blatantly lied to and signed up for a card that I was not clearly described in that phone call. I should have been made aware of this especially because I told the sales representative that I was looking to get rid of the membership cost. Not only are they unwilling to change my card to the right " version '' of the XXXX, but they refused to waive even one of the fees. I feel not only was I lied to, but many people are being tricked into this card by looking at the marketing online.
Consumer complaint received 2018-12-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I received an email asking me to verify my banking information, so that I may receive a large settlement from a XXXX XXXX. It follows. 

From The Desk of : Dr XXXX XXXX XXXX 
Bank of America. 
Branch Offices XXXX XXXX XXXX XXXX, XXXX XXXX. 
NY XXXX, XXXX. 
Vice Chairman on Investment Banking Director, Credit Control Dept. 

We are hereby officially notify you concerning your fund telegraphic Transfer through our bank, Bank of America, New York, to your bank account, which has been officially approved by the management of XXXX XXXX XXXX ( XXXX ) to credit the sum of US {$18.00} Million into your bank account. 
Note that I have started processing your payment and every thing concerning the immediate remittance of your funds will be carried out within the shortest possible time from the time we received your? Below needed information Also be informed that the Governor of XXXX XXXX  XXXX ( XXXX  ) will sign on your payment advice and a copy of the advice will be sent to the XXXX XXXX  XXXX   XXXX for some record purposes. Meanwhile your information and your full contact details were received from our research manager, XXXX XXXX on your behalf to XXXX  for immediate release of your fund This fund was part of the lodged Late President XXXX XXXX of XXXX discovery fund with XXXX XXXX  XXXX XXXX, which the XXXX XXXX  has decided to distribute it generously to help few lucky individuals and the American Government is in agreement with the XXXX XXXX  to distribute the fund to XXXX XXXX XXXX people in America, XXXX & XXXX in other to help improve their businesses. 
Therefore, reconfirm the aforesaid information accurately, because this office can not afford to be held liable for any wrong transfer of funds or liable of any fund credited into an unknown account. 
These are the information we needed to be reconfirmed by you. 
1.Your Full Bank Account Details 2.Your Direct Cell or office phone to reach you 3.Your address of locations 4.Your full name