davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (NY)

I am formally filing a complaint against : PNC bank : XXXX XXXX XXXX XXXX   XXXX OH XXXX ... XXXX They have illegally and fraudulently added a balloon payment Of {$8000.00} + to my loan balance which was not on the original contract that we signed in XX/XX/XXXX. The terms of the {$100000.00} home equity loan ( 5.99 APY ... 15 years ) clearly stated that I had to make 180 payments of {$840.00} over 15 years ; starting with the first payment on XX/XX/XXXX until the last one in XX/XX/XXXX.

As of today I am current on all payments including all late charges and financing charges which might have occurred over the years.

I just made my XX/XX/XXXX payment. As of today I should only have 13 payments of {$840.00} which should equate to a balance of {$10000.00}. Instead I am being told that PNC will charge me a balloon payment of $ 8000+ after the final 13 payments, raising my balance to over {$18000.00}. That is contractually false and fraudulent.

As I stated earlier, this was not stipulated in my contract. PNC is clearly trying to overbill me on this ; loan.

As a resolution, I would need to start receiving statements from PNC which would accurately report the actual balance owed ( {$10000.00} as of XX/XX/XXXX -- ( 13 payments of {$840.00}. I do not owe the {$8000.00} balloon payment they have added on the backend of the loan. It is pure financial theft.

Thank you XXXX XXXX
Consumer complaint received 2021-04-13
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: Transcontinental Credit & Collection Corp (MO)

XXXX is the company that is handling my student loan. 
They have repeatedly and constantly are making phone calls, emails, and leaving messages on my phone. I had filed a compliant about this before, but there has been no relief. 
This company has been reporting balances to the credit bureaus, and of course there is a halt on all student loans due to the pandemic. 
This company has purposely lowered my credit scores.
Consumer complaint received 2019-01-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CO)

My Mortgage was initially held by XXXX  XXXX  then sold to XXXX  XXXX  and then to XXXX XXXX  and then to XXXX XXXX. I was never informed my loan had been sold from XXXX to XXXX and kept paying XXXX XXXX  who collected the money. In XX/XX/XXXX I received a certified letter from XXXX saying I was in default and immediately paid three payments but they had already sold my mortgage to Bayview. I have paid the mortgage each month but Bayview states that I have not paid for XX/XX/XXXX. When I first called Bayview they said I owed XXXX dollars and then I was current. I paid the amount at that time. Now they are saying I am late for a payment even though I provided documentation that I had paid every month. XXXX reimbursed some payments but did not return all the payments I had paid them. Bayview says XXXX did not pay them the correct amount. I requested a transcript of calls with Bayview which they have not produced, I have also requested an answer to the documentation sent to them showing the payments I have made to all these companies and have received no written response. I am speaking to their escalation department again requesting and they are now saying that I requested a transfer from my escrow account which I have not made.
Consumer complaint received 2019-01-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (TN)

I recently started the 3 payment trial period with my mortgage servicer Select Port Folio XXXX. My 1st payment was sent to them XXXX. I have received a property foreclosure notice for XXXX. I'm paying the mortgage payment, how am I receiving a foreclosure notice with a sale date for my home. Also please contact foreclosure attorney XXXX XXXX TN, XXXX to cancel foreclosure sale.
Consumer complaint received 2019-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

In my credit report XXXX XXXX XXXX ACCOUNT # XXXX is showing a late payment 0n XX/XX/2018.The information is incorrect. I sold the car on XX/XX/2018 as showing on document upload.The late payment on XX/XX/2018 is incorrect. Please delete and correct the information.
Consumer complaint received 2019-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In my credit report XXXX XXXX XXXX ACCOUNT # XXXX is showing a late payment 0n XX/XX/2018.The information is incorrect. I sold the car on XX/XX/2018 as showing on document upload.The late payment on XX/XX/2018 is incorrect. Please delete and correct the information.
Consumer complaint received 2019-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

To Whom It May ConcernI was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete. This is the third time I have requested the original contract and/or bill of sales, change of title of ownership. I have not received any thing that meets the standard of Section 609 E2 A1 Validation, Disclosure, [ 15 USC 1681g ] of the Fair Credit Reporting Act. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inaccurate reporting. In addition if you cant obtain this info you are required to delete this information off, is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where the following companies are in compliance with OHIO LAW.  The following account are still unverified : XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX # XXXX XXXX XXXX I demand original paperwork, contract or bills of sale something, the account are not accurate on my file
Consumer complaint received 2019-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK (VA)

I was approved for a Discover Card at the end of XX/XX/2018 with the promo of 14 months at 0 % interest. I just so happened to check my most recent statements and noticed I was charged interest. I was charged {$17.00} in XX/XX/XXXX's statement and {$21.00} in XX/XX/XXXX 's statement. Perplexed, I contacted Discover 's customer service, thinking this was an error. The customer service agent looked into the matter and informed me they did not see the promo on my account. At which point he transferred me to a supervisor. The supervisor, too, looked into the matter and informed me that I was not eligible for the 14 month promo as this was based on credit worthiness. At this point I was shocked, I have never before been approved for a credit card that offered an introductory 0 % interested and then been told, yes I got the card but not the 0 % interested because my credit was not good enough. I found this to be very underhanded and deceitful. At this point I looked at Discovers site and they were still offering the same promotion. I read the fine print and there was nowhere in the online disclosures that stated the 14 month 0 % promo was based on credit worthiness. Obviously, when applying for the card these are the only disclosure you are privy to at that time. It does state in the only disclosures that after the 14 months is over and APR kicks in, that is based on credit worthiness, which is expected. 

After reading the information on the site, I called back and asked to speak to the manager above the supervisors. I was contacted a little less than 24hrs later. At which point she offered to refund the most recent interest charge of {$21.00} and 12 months interest free. I accepted the refund of {$21.00}. However, I would like to have my 14 months interest free. That is what the offer stated, and that I what I am due. I would also like to have the {$17.00} interest refunded as well. My balance is currently at XXXX, I have not had any missed payments, nor have I exceeded my balance. I have been a model card holder since receiving my card. I carried a balance XX/XX/XXXX and XX/XX/XXXX, but have since brought the balance back to XXXX. 

The fact that I was told information that based on their website disclosures was incorrect, is completely unacceptable and deceitful. I am really taken aback and quite frankly feel that XX/XX/XXXX is not a good company to bank or do business with and I wont be recommending to any friends or family.
Consumer complaint received 2019-01-18
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)

I recently checked my credit report and found XXXX XXXX XXXX   located on there. I then made a police report and also I identify theft report regarding the Issue. XXXX and XXXX  took my request in and blocked the account yet its still located on my Equifax account. 

After time went by, it had been three weeks so I gave XXXX XXXX a call see if they received my request that I had mailed it.. 

XXXX XXXX XXXX told me my request was denied because my address links back to the account that was opened in my name. 

When I sent it my identity theft report which is attached below. It currently has my current address. Phone number. And also email address. 

Even after XXXX XXXX  received my identity theft report and affidavit. They still denied my request.
Consumer complaint received 2019-01-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NY)

I have had the loan for ten years now, i have never been able to pay the loan balance down and the loan has doubled in size ever since. 

I have never gotten correct information regarding my loan and was never advised or told how changing the due date would affect my payments and make them late. 
I was enrolled in a rate reduction program and never see my loan balance decrease. I would like to know how my payments are being applied. 
I recently lost my job and they told me i had no options and nothing they could do for me. 
Even though i make payments i get harassing calls all day long, and letters. 

I am paying XXXX a month, but i also get a bill to my house for XXXX dollars which i dont understand. i feel i have been defrauded by this company and have been paying for the last 10 years and my balance has gone up by 59 %. ON many occasions i have been told no, i cant be helped no and i am still getting charged for things im un aware of in ten years my balance has never gone down.
Consumer complaint received 2021-04-13
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: EQUIFAX, INC. (FL)

According to 15usc 1611 XXXX XXXX and Equifax is criminally committed. They are amiably committed for twofold the proportion of the cash charge according to 15 usc 1640. 

Besides, they are in danger for each fdcpa encroachment according to usc 1692k. I'm mentioning they wipe out this alleged commitment from my customer reports, send portions to me for encroachment. 

Aslo, apologize. 

An alleged commitment being equipped on your " credit '' report is an encroachment of 15 usc 16922b. ( 2 ) it is similarly publicizing to certain portion. Which is unlawful. 

I'm mentioning that you dispense with these Transactions from my report immediately as they are an encroachment of my advantages as an administratively ensured buyer under title 15 area 41. Concerning the records recorded under as a client I'm mentioning a crossing out of these records. 
Cc : Consumer Financial Protection Bureau.

Cc : Attorneys General Office.

Cc : Better Business Bureau.

Cc : State Senate.

Cc : Federal Deposit Insurance Corporation.

Cc : Comptroller of the Currency.

Cc : Federal Reserve System.

Cc : Credit and Insurance.

Cc : Federal Trade Commission.

Cc : State Regulatory Agency
Consumer complaint received 2019-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (MD)

I have a closed Chase Visa credit card. Each month I receive a billing statement which includes late fees even tho my payments are made on time. I then have to telephone a dispute to have said late fees removed. Each month.
Consumer complaint received 2018-02-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (TX)

I contacted XXXX/resurgent To pay the XXXX that I owe for a XXXX account. I asked that if I would be able to have a pay to delete done and I was told no they would accept payment but this would still show negativity and would not remove from my credit. I just want to pay this have it completely removed from my credit and move on with my life
Consumer complaint received 2019-01-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: JPMORGAN CHASE & CO. (TX)

I CAN NOT HEAR ON HEADSETS OR WHEN SOMEONE DOES NOT SPEAK CLEARLY OR WITH A STRONG ACCENT. 

LATELY IT HAS TAKRN OVER AN HOUR FOR HELP.
Consumer complaint received 2018-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I have already described what had happened in complaint number XXXX. I probably needed to elaborate more but you guys were on the wrong and you guys filed and incorrect response to consumer reporting agency when I feel like I was stalked by someone watching what I do because I am and have an executive level bank through bank of America and my name is Under XXXX XXXX XXXX under the Private Reserve in the Federal Reserve Bank.
Consumer complaint received 2021-08-18
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. (PA)

These company did not accurately complete an investigation for the fraudulent account on my credit report. I have submitted my FTC report along with dispute letters since XX/XX/2021.
Consumer complaint received 2021-08-18
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. (PA)

These company did not accurately complete an investigation for the fraudulent account on my credit report. I have submitted my FTC report along with dispute letters since XX/XX/2021.
Consumer complaint received 2020-09-14
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (NC)

On XX/XX/2020 I called Ally Auto to request a loan modification to lower payments due to a loss of hours and revenue due to the Pandemic. Upon calling Ally the representative I spoke with said there was nothing in the records that showed I requested a loan modification in XX/XX/2020. I then asked to speak with someone else possibly a manager and they gave me a number to a different department to call. I hung up and called the other department and spoke with some who said they located the loan modification request and I asked why it was never honored by Ally? The rep told me that I never paid the {$68.00} to have the loan modified, I have never paid to have a loan modified before and now they are requesting a full payment for an extension. 

I asked the rep can we apply for a new loan modification nothing has changed in circumstances since XX/XX/2020 when I applied for the first loan modification and the rep said that I was denied. We attempted again and still a denial but I never received a reason for denial and the rep did not tell me why as he could not see the reason why on his end. The series of questions that are asked and the answers I gave makes us qualified for the loan modification but they refuse to offer it with no reason why. 

I feel that Ally is not truly willing to work with us and that will allow us to pay and keep a good standing with the organization. The continuous denials for modification during a troubled time and I need help dealing with this company.
Consumer complaint received 2023-08-02
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. (NY)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-08-28
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. (VA)

In accordance with the fair credit Reporting act, my rights have been violated. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-01-25
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)

Equifax is not removing or blocking an account per FCRA regulations when I submitted an identity theft report claiming I was a victim of ID theft. I'm attaching the report for your records.There are 2 accounts reporting to Equifax which are fraudulent and I'd like them removed from my report. They claim they verified the accounts with the company but I'm truly confused how they can verify a fraudulent account. I believe they feel they're above the law and I'd like this matter handled ASAP as it's damaging my credit & impacting my emotional and physical health.
Consumer complaint received 2018-09-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (SC)

I originally took the loan under the impression that the APR rate would be way lower than it turned out to be. I was also under the impression that the finance charge would be a one time fee. The company was very misleading because I later found out the finance charge is a percentage that is subject to change. I attempted to make a {$300.00} payment the end of XXXX which was never 'processed. ' I looked today and the payment still says pending. This would have made a huge difference on my interest rate. I think this was another scheme to keep me from paying off my loan early. I called today to make a payment on the principal. I told the representative that I planned on paying off the loan next week ( on my payday ) and she could not tell me what that amount would be. They also claimed that they could not process my payment for two business days and that I would still have to pay interest for the weekend even though i have been attempting to pay. The representative said there was no pending payment on my account ( I have a screen shot of the website mentioning my online payment ) Overall, this has been a terrible experience. The company has been so dishonest and they set you up to fail.
Consumer complaint received 2021-04-13
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: Navient Solutions, LLC. (MO)

Navient is the company that is handling my student loan. 
They have repeatedly and constantly are making phone calls, emails, and leaving messages on my phone. I had filed a compliant about this before, but there has been no relief. 
This company has been reporting balances to the credit bureaus, and of course there is a halt on all student loans due to the pandemic. 
This company has purposely lowered my credit scores.
Consumer complaint received 2021-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I have asked for who my alleged late payment was verified. I have not received any documentation with this information. I have paid as agreed and on time every time. I'm asking that documentation been sent to me per my letter providing in detail who verified it and how because I have never been late.