davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (NY)

This is a new loan that was originally w XXXX XXXX. It was sold to PNC. I made the first payment to XXXX XXXX I paid an additional {$800.00} + above my payment amount which was to be applied to principal. XXXX XXXX  made 2+ months payments charging me double interest. I called them explained my intention was to apply all to principal not to pay multiple months. They corrected the payment and the loan was sold to PNC. PNC is not giving me credit for the $ XXXX For reasons unknown to me. I began contacting them the first week of XXXX by phone, and email. I keep being told its under review. It has been almost 2 months since the payment in question was made. I dont know what to do ; but I do know what I paid.
Consumer complaint received 2022-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion has discriminatory practices against women. I attempted to check the status of my transunion credit report freeze status because I am trying to secure financing for a mortgage. I was married last year and both my ID and Social have been updated to my new last name. I attempted checking the status withy my legal name, social security number, and address that I have lived at for the last 6 years. I was not granted access to the information, and was told I would need to contact support. I did, and they told me that I would have to reconcile my report between my former and married name. Not only can I not access my credit report with my legal name, I can not freeze my account to protect myself until I send a paper copy of my ID ( despite the fact that my social security record has been updated ) in by mail ( a process that two agents have said takes 12 days to receive and process ). This policy disproportionately and negatively affects women as approximately 80 % of women change their name when they marry and only 3 % of men change theirs. I asked them if there was any other way to do it and they said mail was the only way. Now there will be a delay in the financing I am trying to secure, which in this market can mean the loss of a home. Additionally, I cant protect my credit report until they process the update.
Consumer complaint received 2016-09-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (MI)

My mother passed away XX/XX/2014. I contacted the mortgage company about the situation. They told me i needed to send them the letters of authority. i did, called them back and they said they did not receive them. so i sent them again, called them, said they did not receive them. called them again and finally got some one to help me. they told me what i needed to send over to them and what email i needed to send it to. i did. never received a response. called them multiple times. would not talk with me. I called the estate attorney and he sent them the letter of authority four times. with a documentation of the fax going through and they received it. He also called them and they told him they did not receive it.I have tried to call them for almost three years now and still get no corporation. Now they are trying to foreclose on the house. The mortgage company is SPS select portfolio. This has been very frustrating to deal with besides the lost of my mother. I am also on the deed of the house. But not the mortgage.
Consumer complaint received 2022-01-26
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: TIDEWATER FINANCE COMPANY, INC. (AZ)

I surrendered my car in XX/XX/2021. I was contacted by Tidewater after they sold the car for 4,000. They call me repeatedly telling me I owe 16,000. They have even called my landlord asking questions about me and telling them that I owe them
Consumer complaint received 2022-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: PENTAGON FEDERAL CREDIT UNION (NC)

PenFed has broken the law pursuant to the TRUTH-IN-LENDING ACT, EQUAL CREDIT OPPORTUNITY ACT, FAIR CREDIT REPORTING ACT and FAIR DEBT COLLECTIONS PRACTICES ACT. I have been denied credit which is against the law pursuant to the Equal Credit Opportunity Act. I have been denied my right to my open ended credit plan pursuant 15 U.S.C. 1602 ( ( j )
Consumer complaint received 2021-07-24
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I submitted dispute letters on XX/XX/2020 and have yet to receive any indication that an investigation has started. I feel like I'm being taken advantage of. To my knowledge the bureaus are supposed to respond with results within 30 days. It's going on day 40 and I haven't heard anything. The information being reported on my credit file is completely unverifiable and inaccurate and should be deleted immediately. I have called numerous times about this matter. Please expedite the process, I am in distress.
Consumer complaint received 2020-02-11
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. (AR)

My identity has been compromised. I found out because XXXX XXXX sent my husband an email that he needed to take action. I immediately pulled my credit report and saw a outrageous amount of items that were opened under our social security number and by the look of it this person that stole our identity was not able to pay the things opened under our name. These fraudulent items are not mine. Please remove them from my report. 

XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX {$20000.00} XXXX/XXXX   XXXX {$510.00} XXXX/XXXX XXXX {$510.00} XXXX XXXX {$20000.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Consumer complaint received 2022-01-26
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. (FL)

I checked my personal Equifax credit report on XXXXNoticed that this unauthorized inquiry had been made : XXXX XXXX  XXXX XXXX. XXXX XX/XX/XXXX -XXXX XXXX  XXXX XXXX. XX/XX/XXXX XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX. XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX. XXXX XX/XX/XXXX XXXX XXXX. XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX I contacted ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ). who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.
Consumer complaint received 2020-02-11
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 — Problem with personal statement of dispute
Company: U.S. BANCORP (IN)

I filed Chapter XXXX bankruptcy in XXXX of XXXX -- it was finalized ( completed ) this past fall of XXXX. My US Bank mortgage was excluded from the bankruptcy and I continued payments. I requested several times during the bankruptcy that they resume credit bureau reporting to no response. I waited until it was finalized and I again requested that they resume credit bureau reporting. They have denied this request and claim it is their policy to stop all reporting after you file. I can understand them doing this BUT if a consumer requests individually that you resume, I feel that request should be granted. 

I have had this mortgage fifteen years and have never once been late -- every single payment has been made on time. I feel like this is continued punishment for having filed bankruptcy. I was counting on this to help rebuild my future going forward and I feel like it's a slap in the face. I will fight this for every single person out there in my position until it is made right. I will file a complaint with every agency I have to until my complaint is given legitimate review.
Consumer complaint received 2020-02-11
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. (AR)

I pulled my credit for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX/XXXX  XXXX {$830.00} US DEP ED XXXX {$26000.00} US DEPT ED XXXX {$36000.00} DPT ED/XXXX XXXX {$60000.00} XXXX   XXXX {$590.00} XXXX XXXX XXXX {$68.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-FILED XXXX {$0.00}
Consumer complaint received 2019-04-04
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: REGIONS FINANCIAL CORPORATION (GA)

On XX/XX/XXXX my loan was modified. At that time, the balance was {$140000.00} with a balloon payment due on XX/XX/XXXX of {$130000.00}. All payments were made on time so imagine my concern, when I was advised the balloon payment due was {$130000.00}. No one at Regions Bank could offer an explanation as to why there was over a {$7000.00} difference. On XX/XX/XXXX I was approved for a new loan to payoff the balloon. The new loan finally closed on XX/XX/XXXX with a disbursement date of XX/XX/XXXX in the amount of {$140000.00}. Then I received a letter dated XX/XX/XXXX that my initial loan was in default and I owed a total of {$130000.00} ( consisting  of principal in the amount of {$130000.00}, late fee of {$100.00}, and interest in the amount of {$3200.00} XXXX If the total due as of XX/XX/XXXX was {$130000.00} and my closing was for {$140000.00}, where did the difference ( {$2300.00} ) go? The total closing costs were stated to be {$710.00}. And most importantly, since XXXX I faithfully and timely made every payment for 83 months ( a total of {$91000.00} ) and now I owe more than I did then.
Consumer complaint received 2020-02-11
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. (AR)

I pulled my credit for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX/XXXX  XXXX {$830.00} US DEP ED XXXX {$26000.00} US DEPT ED XXXX {$36000.00} DPT ED/XXXX XXXX {$60000.00} XXXX   XXXX {$590.00} XXXX XXXX XXXX {$68.00} BANKRUPTCY CHAPTER XXXXDISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXXFILED XXXX {$0.00}
Consumer complaint received 2019-03-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Federal Credit Control, Inc. (TX)

I have called this original creditor company several times informing them that I was a part of several government and XXXX data breeches. I have submitted to the credit bureau all of the police reports and the fraud reports filed during the time prior to, during and after this debt being added to my credit report. I am not sure what else I need to do.Its as if they want to collect from me on a debt even if it is fraudulent. There has to be some recourse for them not taking my identity theft into account. This has damaged me financially and emotionally because I am unable to secure credit line due to this fraudulent account being on my credit report. 
I have even filled out papers for the original creditor informing them that this is a fraudulent account. I have gotten not response each time I filled it out. When I would follow up after a month I am told to fill the same papers out all over again. It is frustrating and unfair to me. 
The credit reporting agency told me that all the collections company have to do is to send an electronic message to them claiming they investigated and found the account is mines. So they can lie as if they have reached out to me and conducted a verification and it will remain on my credit file. 
Also These accounts were once deleted from my file and then allowed to be added back by the credit reporting agency.
Consumer complaint received 2021-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

Within the last 30 days I requested and was provided a credit card from Bank of America that stated at {$1000.00} in purchases, I would receive {$200.00} returned. 

After spending approximately {$500.00} towards the {$200.00}, the company without notice and without reason closed the account. I attempted to gain a reason why by calling the company and was unable to garner aa reason for the closure. 

I rechecked my credit score and no changes are seen. I can see no earthly reason for the closure except an educated suspicion the company is falsely advertising the return of {$200.00} at the {$1000.00} purchase mark and then closing the account before a person can achieve that {$1000.00} mark.
Consumer complaint received 2021-12-01
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

In late XXXX early XXXX I was contacted by Capital One for a credit card debt. I spoke with a woman and manager at the time about a lump sum payoff. The communication moved to XXXX XXXX XXXX for XXXX. I was told that for both credit card balances I could receive a lump sum payout and if paid on time they would cancel the debt. I was given to dates to pay which then complied. I later received a letter claiming only XXXX account which entirely incorrect. I proceeded to contact the both companies where they passed the blame for the communication several times. I finally got fed up and decided to pursue other avenues. I contacted a woman who works with credit and paid her money which turned out to help me get several things cleared up but not the card situation as the company continued to state that i did not complete the payout for both cards as verbally discussed. I did my due diligence and requested information in writing however they refused to do so until after payment of {$1600.00} which I felt pressure to do so and was able to make happen at a time very traumatic in my life. Fast Forward to now and I am being falsely reported to credit bureaus for be delinquent when this matter has been solved since around XX/XX/XXXX. I want to make aware of their practices and shady business transaction to get money.
Consumer complaint received 2023-06-30
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Asset Recovery Solutions, LLC (GA)

On Friday, XX/XX/, I contacted Asset Recovery Solutions , LLC via chat after speaking with XXXX XXXX, XXXX and being informed, for the first time, Asset Recovery had my debt. XXXX XXXX gave me reference number ( XXXX ) to give to Asset Recovery. After speaking with Asset Recovery, I was informed by the agent that my file was " no longer '' in their system and they gave me a number to call XXXX. XXXX said they didn't have my file and gave me another number to call. I spoke with at least 5 different debt collection agencies that day and gave out my PERSONAL information over 5 times, only to be told by each representative the same thing - 'they do not have my file. ' XX/XX/, was the very first day that I have ever received any communication from Asset Recovery Solutions, despite being told that my information was not on file. I emailed them back requesting verification, but they never responded. Today, XX/XX/, I reached back out to Asset Recovery via chat and was conveniently told they had my file AND they received my email. 

I asked a myriad of questions for clarification on why I was given the wrong information, why it took so long for them to reach out to me, and what actions were taken for them to now have this debt - considering when I asked, they said they did not have it. The agent I spoke with today is the same agent I spoke with on XX/XX/XXXX. He would not give me any straight answers and essentially, blamed me for giving the wrong reference number during our first conversation ( the number XXXX  gave me to give Asset ) ; yet, he made no attempt to even investigate during our first communications. After speaking with Asset Recovery today, I re-contacted XXXX  and was informed ( again, for the FIRST TIME ) that my file was initially with XXXX XXXX and I could contact them for further information. 

All in all, I have been attempting to verify this debt for MONTHS. I never received any communications from any debt collection agencies until I reached out to them. The only reason I knew of these agencies was because I noticed charge-off on my credit and disputed it. There has been no written or verbal communication with me from the original creditor or any debt collection agencies until I initiated an investigation. I have been given false information, ran around in circles, and ultimately, mistreated. This is severely affecting my credit and I can't get approved for a home because of it. Nothing about this makes sense nor does it feel ethical. I have disputed this numerous times with each Credit Bureau and provided documentation for each encounter. 

I am attaching documentation of my conversations and falsely reported payment history.
Consumer complaint received 2022-01-26
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: CL Holdings LLC (OR)

Jefferson Capital Systems LLC They continue to renew the date on the debt in question. 
The latest date renewed on XX/XX/2022 from a previous date. 

This keeps bringing my credit score down every time they change the date to a newer one.

I have disputed the validity of the debt and have requested any documentation of Oral agreement, Written contract, Promissory note or Open-ended accounts. 

They have not responded to my emails or written letters requesting documentation. 
I have also requested for them to remove the debt in question from my credit report, which has obviously not happened. 

They claim that I have an open balance of {$1500.00}
Consumer complaint received 2019-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Commonwealth Financial Systems, Inc. (GA)

opened : XX/XX/2018 Balance : XXXX I called to see where the bill came from and was told it was from me last apartment. I spoke to a representative befor I moved to make sure all my bills were pay in full and accounts closed.
Consumer complaint received 2022-01-26
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. (PA)

The following inquiries are unauthorized : 1. Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 return but youve got to do it whenever you have a part theres no way around it now I know youre asking about disregarded entities to chill out Im trying to build a baseline XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Creditor : XXXX Inquiry date : XXXX XXXX I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time.
Consumer complaint received 2022-01-26
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. (CA)

I have contacted Experian multiple times regarding inaccuracies in my credit file in addition to their constant reporting of " Too many Consumer Finance Company Accounts '' and which of my creditors all of a sudden has started to trigger this comment to be placed in my file. 

Experian continues to ignore my request and continues to not give me a straight answer. This comment use to never be there and all of a sudden has appeared. If they are placing information in my file they are obligated to tell me why or which creditor and they refuse to do so. 

I have also requested a personal statement to be added to my credit file and this too has failed to be completed.