davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY (PA)

I was using the American Express Blueburd card. On XX/XX/2019, at XXXX XXXX, I got my daily balance stating I had a negative dollar balance, which I didn't realize was possible since the last place the card was used was at XXXX, where I swiped the card, and the remaining balance was removed, and I paid cash for what was left. XX/XX/2019, I received an email staring that my account had been frozen, because they reviewed my account and believe that I violated the terms and conditions, a refund check would be sent out, and if I had any further questions, I could write a letter and send it to a po box in GA. On XX/XX/2019 a refund had been issued to my account bringing my balance to {$100.00}. Every day at XXXX, I still get a balance text telling me this XXXX is in my account. When I call, the automated system tells me my account is permanently suspended, and then hangs up, and I get an email identical to the original email. I wrote a letter, and have received bo response.
Consumer complaint received 2019-04-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (MS)

Since XX/XX/XXXX this company Specialized loan servicing has tried to foreclose on our home and we were in bankruptcy. They said we didn't pay for the entire year of XX/XX/XXXX we had receipt then they said the year XX/XX/XXXX. We are now facing the 4th maybe 5th foreclosure attempt since XX/XX/XXXX. No matter what I say they continue to say the same thing. I have sent this information to the attorney general office and it was told to them it was fixed as ofXX/XX/XXXX. And they called me todayXX/XX/XXXX and said we are in foreclosure still for XX/XX/XXXX and we owe XXXX. Before they said they were sending ourXX/XX/XXXX payment back because we had to pay XXXX per XXXX. I need something done about this company that has and is doing this to me as we as my family. We tried everyone the attorney general office is back on this because it was suppose to be completed since they call again with the same thing.
Consumer complaint received 2019-04-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Helvey & Associates, Inc., Warsaw, IN Branch (NC)

I was going to move into an apartment complex but didn't go through with it. 
Later on I found out that there was a an energy bill at that apartment complex in my name that I didn't authorize. 
It's through XXXX XXXX but being collected by helvery and associates. 
I wrote them a letter asking for proof the debt belongs to me or for them to remove it. It has been 2 months and I haven't received any proof, and it's still on my credit for the amount of {$870.00}.
Consumer complaint received 2019-04-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southern Management Systems Inc. (TN)

my son applied for an apartment and he got approved with me on the application, but we never signed a lease nor did we ever move in the apartment. We paid the initial upfront fees. We asked for documentation of this debt and they refuse to provide how we owe this amount of XXXX for something we never signed a lease for nor did we ever live in. The collection agency Southern Management Systems has not provided anything to us with our multiple requests for the information.
Consumer complaint received 2017-11-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (CA)

PNC Bank has a process for removing the PMI ( Private Mortgage Insurance ) from their customer 's mortgage that entails them sending a form by mail for the customer to sign and return along with a payment of {$500.00} to the bank to have the house appraised by a company of their choosing. My complaint with this system and the experience that I have had with them regarding this request are twofold : 1. The going rate for a single family home appraisal in my area by local appraisers is {$370.00}, {$120.00} less than the rate that PNC charges.
2. I requested the form to terminate my PMI from PNC bank on XX/XX/XXXX. As of today, XX/XX/XXXX, I have still not received the form. I called PNC 's customer service and they informed me that the form was sent out to me by mail on XX/XX/XXXX. I called them on XX/XX/XXXX, worried that it had not arrived yet and asked if they could electronically send or fax the form to me and they said that they could not. Tomorrow I go on vacation for 2 weeks, so I will be paying an extra month of PMI, simply because the bank could not accommodate me in a professional, timely and reasonable manner. 

I feel that this is disrespectful to the customer and that the delay of sending such a form only benefits the bank, since removal of PMI affects the amount of fees that they receive on a monthly basis. How should it take two weeks to receive a form in the mail? Furthermore, we live in the 21st century, where everything is digital. Why should n't a customer be able to download and print such a form from PNC 's website?
Consumer complaint received 2022-02-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: PREFERRED CREDIT INC (TX)

This company has predatory lending practices and has not honored the agreement that was discussed between the preffered credit rep and the titanium rep and communicated to me. The company is rephrasing cash savings for the 0 apr any lending company can offer as an incentive. Also in talking to the project specialist they said my.apr was not established by my credit rating which at the time was between XXXX to XXXX. I was also mailed a revised contract that had a different apr rate orignal.apr was 21. 20 % and now it's 20.60 % on my online account so why was it lowered.? 
I am not mistaken about the incentive I was offered. As consolation prize they want me to clear 36 month tem loan in 2 monthsand they wont charge me interest? That would require me to make {$400.00} payments monthly They have sympathy for me but they should have also done their due dilgence to screen the companies they provided financial services to theough solucitation. The customer service representative was also impolite. Since I've paid 770 to date only 400 isj dollars has went to principal on {$1600.00} dollar loan as military spouse and vet I know the mla act covers up to 36 %. I notified the specialist as well that I was being overcharged in interest in addition the finance charge and premium service fee?. I want the 6 months of no interest/cash savings honored. My next resolve is to file a complaint with the ftc. I have no problem paying off the balance. I would like to do it in the allotted time I was given. Please see the email i sent to furyher discuss.. Especially how contrite their service rep was with me. I feel like I'm being preyed upon again with payday loan agreement terms. That's not what I signed up for. Credit cards financing are not this predatory. The company is listed as a financial institution surely they can fix this issue of fraudulent service. I can provide the altered original contract sent to me by them. I filled a complaint with XXXX. The company did not want to honor the agreement
Consumer complaint received 2022-11-30
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. (OH)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Ohio Department XXXX XXXX XXXX : # XXXX, Ohio Department XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, Receivable Management Services : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.
Consumer complaint received 2019-04-10
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL (MI)

I received 2 garnishment orders at my work within a week of each other from the same attorney representing 2 different debt collection firms for a judgement against me from XXXX which was never renewed before the 10 year expiration date and from XXXX and I called them after being served the first one and was hung up on. I was never served to answer either of these judgements and I don't even know who they bought these accounts from or the amount that I owed when the accounts were bought but I am 100 % sure that I never had a credit card with those amounts on them so I don't know if these debts are even mine.
Consumer complaint received 2019-02-04
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: EQUIFAX, INC. (CA)

I have tried to get old addresses removed and addresses that are complete errors on my report. The credit reporting agencies seem not to care in any way. I just want my credit report to be factual and correct. Two addresses I use are XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX, CA XXXX ... .. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2023-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: FREEDOM FINANCIAL NETWORK (NE)

After visiting with the representative of Freedom Debt Relief ( FDR ), I signed a contract for services with an anticipation of cost based upon XXXX  % of enrolled debt with an anticipated payoff of 48 months. As my obligation was to have been done as of XXXX of XXXX I made plans to begin cutting back on work hours accordingly. Imagine my surprise when I became aware of their extension of this program for another 16 months at the same monthly rate of {$780.00}, meaning an additional cost of {$12000.00}. This changes the cost of services to represent well over XXXX  % of enrolled debt. As they clearly state on the front page of the contract, " clients who make all their monthly program deposits pay approx. XXXX  % of their enrolled balance before fees, or XXXX  % including fees ( fees may vary ) over 24 to 48 months. '' This is how it had been presented to me and this was built us as my expected result. I was, and continue to be aware of this being an estimation, and know that things can change, but the representation that FDR was going to take care of this for me established in my mind that risk and worry were no longer on my side, but rested with them. This unfortunately extends my need to stay fully employed and extends the time that our credit issues affect our credit report. I have spoken with a representative of FDR a couple of times, but with little concession on their part. I believe this stems from a misrepresentation of expectations and desire to resolve it soon.
Consumer complaint received 2019-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (NH)

This in reference to Wells Fargo bank. Reference # XXXX. They illegally repossessed my vehicle and impacted my credit score for five years, exponentially driving interest rates on all aspects of my credit. Their fraudulent cpi program caused me grave financial and emotional harm and financial hardship. I have asked them to immediately restore my credit rating and remove their information on my credit report
Consumer complaint received 2019-04-10
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. (TX)

XXXX  XXXX XXXX and Transunion are showing inaccurate information on this account which is a violation of the FCRA Date open shows 2 different dates high credit shows different amounts Date of last active shows 2 different dates
Consumer complaint received 2019-04-10
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MO)

We changed insurance companies in XX/XX/XXXX. The mortgage company received 4 letters and never paid it. Our home burnt to the ground XX/XX/XXXX. The mortgage co admitted fault and said they would cover the entire claim. We have been in litigation almost 2 years. They quit paying our living expenses wo warning breaching that contract as well as our mortgage by not paying our insurance from escrow. We have had our credit destroyed and have had to pay for living expenses for over a year and they have still not rebuilt our home or paid our losses or XXXX or storage. Our lawyer just quit on the case today bc he doesnt want to take us to trial. We need assistance asap. I have 14 other people who have contacted me regarding the same company. Its ridiculous what they have put our family through and we are still not restored and taken care of to no fault of our own. We have filed against them before and we are still waiting to have this mess cleaned up so we can start over. Please help.
Consumer complaint received 2023-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (KY)

This company is falsely reporting to the credit bureaus. during the pandemic I was unfortunately unable to work because not being deemed essential. I spoke to the company about future payments and they agreed to put my payment at the end of the loan. The next month the repossessed the vehicle was never late and according to my credit report you could see the inconsistency of them reporting. I have tried several times to get this resolution. I only get a voicemail for the department of XXXX  that handles these cases. I have sent numerous letters and tried to call several times. I understand that I was responsible for the car although the late payments is non sense.
Consumer complaint received 2022-11-30
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. (OH)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Ohio Department XXXX XXXX XXXX : # XXXX, Ohio Department XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX Bank XXXX XXXX XXXX XXXX, Receivable Management Services : # XXXX, CCI : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.
Consumer complaint received 2023-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I got a personal loan for {$1500.00} from XXXX XXXX XXXX. This company shows itself as if they're non profit and they work to help XXXX but it's not true. I was negatively affected by natural disaster in XXXX XXXX on XXXX XXXX 2023 so I reached out to them to defer payment till XXXX. They charged me twice at the beginning of this month and I paid {$210.00}. I have NO past-due balance with them. I got an alert from credit bureaus on Friday stating that this company reported me as past-due and my credit score dropped XXXX points! I am in the process of moving. I was going to apply for an apartment tomorrow. Because of their unethical, inhumane and wrong reporting, my life is very negatively affected. I can't rent any apartment without security deposit now. I don't even know if they will accept me because my score dropped huge. This company violated my rights and they have to be held accountable. Moreover, they need to be investigated for bad business practices targeting vulnerable XXXX
Consumer complaint received 2020-12-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

I recently was attempting to get a mortgage for a home. And I checked my credit report and notice the I had a false collection account totaling the debt of {$410.00}. This debt is not mine. I never has an agreement of contract with this company. I tried calling this company and was hung up on multiple times. I also sent letters to this company stating this debt isn't mine. I need this collection account removed from my report immediately.
Consumer complaint received 2019-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Checkr, Inc (WA)

Wrong information is on my report and keeps appearing. Ive XXXX with XXXX for months and they understood that the information was incorrect. One of the things that are wrong on the report is the Hit and run accident I was involved in, it was not my fault XX/XX/2017. Also on the report XX/XX/2017 I was pulled over going to a funeral, and I didnt have my license which was Valid at the time. They late had me come show my drivers license and they threw the case out
Consumer complaint received 2023-09-14
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bridgecrest Acceptance Corporation (TX)

Bridgecrest refusal to supply complete validation request ( supplying only contract in question ). Contract not bearing my signature nor have I been provided detailed information request showing confirmation of esignature as well as other requested documentation to be send via MAIL. Notice of Dispute have not been reported correctly to CRAs and continuance of inaccurate reporting. I have requested particular transcripts that I have not been supplied with as well as I have not been supplied with security asset filings as requested. I have attempted to reach out to specialist that handles these matters with no response ( XXXX XXXX XX/XX/XXXX ). I have sent certified mail for these request starting ( XX/XX/XXXX ) with no answer to certified letter request ( validation of account, notice of dispute, cease and desist of defamatory actions )
Consumer complaint received 2021-02-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PLAZA HOME MORTGAGE, INC. (IL)

Plaza Home Mortgage ( XXXX ) has failed to pay my property taxes in XX/XX/XXXX for the XX/XX/XXXX Tax Year from an escrow account. Countless phone calls have still not resolved the issue and a tax lien has been placed on my home, as the staff continues to falsely claim issue is being worked on. Even today, XX/XX/XXXX, Plaza Home Mortgage has not resolved this issue and are continuing delay, causing additional penalties.
Consumer complaint received 2019-04-10
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX I came to the dealership to purchase a vehicle and they told me they would try to find financing so I waited and sent them all my personal information. The finance manager also asked me to remove the fraud alert from my credit report because he couldn't find financing without it removed which I thought was a bit skeptical. I removed it thinking he would find financing they did a total of 6 Hard Inquiries on my credit report until one day the car salesman calls me and told me when I was going to pick up the car that it was ready. So I went over there and then the dealership did not want to release the car because they told me that they needed a XXXX down payment or the bank would not finance the loan. I was thinking I was going to finance it with my own bank but they used high pressure sales tactics and didn't allow me to use my own financing. I was told that they couldn't give me the car knowing that XXXX XXXX had already paid for the car in which I did not find out until 6 days later when XXXX XXXX mailed me the first car payment stub. So here I was thinking that everything was going to be ok because the General Manager told me that he would reverse the transaction and if not then it would just show on my report as paid. I thought to myself this can't be right because the vehicle is still registered and paid under my name and he kept telling me that the car was never paid for. I knew this was a lie but gave him an opportunity to fix the situation. So here we are now XX/XX/2019 and the car starts reporting on my credit file on XXXX. Now I am getting a little more concerned as to what is really going on with the vehicle knowing that I am being billed and I called XXXX XXXX XXXX which is with XXXX XXXX and they stated that the car was paid under my name and they issued a check for the amount of {$26000.00}. So they got paid under my name and then resold the vehicle 2 days later knowing that they were paid they should have released the vehicle the bank stated to me over the phone in which I have the calls recorded and advised them that I would be recording them for legal reasons. So I asked the General Manager what we would do about the situation and he stated he could not get the vehicle back but he could possibly pay the bank back with the companies check in which I thought was also a bit fraudulent. I have hired legal counsel to move forward with the matter so that I can make sure all of this is resolved fairly and I can move forward in purchasing a vehicle elsewhere.