davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc. (GA)

Professional Debt Mediat is not treating me right. They are saying that I owe a debt of {$1100.00} and I DO NOT. I am a victim of identity theft. I have contacted the credit bureau as well and no action is being resolved.
Consumer complaint received 2018-05-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (IN)

Client was going through loss mitigation. XXXX sold the loan to SP Servicing in XX/XX/XXXX. We got approval to do a short sale. We priced the home exactly where the bank told us too. Within a short amount of time we received an offer - XX/XX/XXXX. It is now XX/XX/XXXX still no response. I called. approximately 3 weeks after offer submission. Was told documents were missing. Obtained documents, sent them in. Nothing. Called approximately two weeks after that. Was told documents were missing. I explained they were sent in the same day I last called. " Oh here they are - well we need a differenct correction/paper/etc. '' I even XXXX XXXX XXXX out for this bank. Told I couldn't do that and had to put it back on. That was wrong - it needed to be a different amount even though I asked specifically " What do you want me to put? '' Fine. Corrections done and all docs resubmitted. I have been dealing with them since XX/XX/XXXX approximately every two weeks. I talk to a different person each time. Some friendly and helpful some not - my client, the homeowner, also calls often. EVERY SINGLE TIME - always something needs changed or changed back. I called today after submitting yet another correction for the THIRD TIME that had already been done and submitted previously! I was told the short sale is now expired and we are no longer in short sale. My client is devastated. We have done EVERYTHING this bank has wanted. Every correction every extra piece of information and now this. Over six months of trying to get my elderly client underneath this home - only to get the runaround and no one that can actually help. I talked to CSR 's. I talked to supervisors. I have been nice. I have been hateful. No one seems to know whats going on or how to help. I have been in XXXX XXXX for over 15 years. I specialize in XXXX 's. I know how to read a contract. I know how to deal with banks. Never, ever have I had an experience like this. I want someone to help. I have a client needing to sell. I have a buyer that met bank requirements. Why can't we sell this property? Why is the bank doing this? My client can not afford a lawyer. I don't know what else to do.
Consumer complaint received 2019-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (MA)

On XX/XX/2019 I contacted Citi because I was showing a minimum amount due of $ XXXX+ due to my card being over the limit. In speaking with several representatives I was told that the minimum showed as such because they wanted customers to bring there card under the limit, however ; the true minimum was {$150.00} and that they dont " advertise '' that to customers on their statements. I find this practice to be deceptive and not hold true to customers expectations of transparency.
Consumer complaint received 2019-05-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (MI)

On XX/XX/XXXX at XXXX XXXX I called for the second time to ask PNC to close my checking account.

I then went into the branch on XX/XX/XXXX and deposited XXXX dollars to settle a pre existing negative balance. I was told they were closing my account that day. They did not and I was then charged for a subscription service. and an overdraft fee. It has been over a week of fighting with pnc to close my account.
Consumer complaint received 2018-06-04
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (TX)

On XX/XX/XXXX, I initiated an online money transfer to XXXX of the amount {$130.00} via Moneygram. Initially, it showed a fee of {$5.00} and then I applied a coupon and fee was reduced to {$2.00}. At the end of the processing, I received a receipt from Moneygram ( also available at their website ) which clearly stated total amount as {$130.00} including fee ( {$130.00} transfer amount + {$2.00} fee ). For your information, I selected funds to be taken from bank which has {$0.00} processing fee. 
Next day XX/XX/, Moneygram charged my bank account ( XXXX XXXX XXXX ) an amount of {$130.00}. I noticed a discrepancy of {$3.00} ( although amount is small but it's a matter of principal ) and contacted Moneygram about this issue. Moneygram wasted an hour of mine and told me I owed only {$130.00} but they don't know how I got charged more. They told me to ask bank and bank told me that it's Moneygram 's issue because they are charging me more. Long story short, I am out of {$3.00} and Moneygram keeps pointing fingers at others. 

I have a receipt from Moneygram and a bank statement both at hand and I can show you anytime. Thank you so much for your time and I look forward to hearing back from you.
Consumer complaint received 2019-05-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (KY)

My parents both passed away ( Father- XX/XX/XXXX, mother- XXXX XXXX, XXXX ) and we have been trying to close their account since XX/XX/XXXX. I have power of attorney and am the executrix of both their wills. I was a signee on this account, but the bank seems to have no record of Mom and I filling out the card adding me in XXXX XXXX. We were out of the country so my father made this POD to my brother so he could have access to these funds in case something happened to mom. My brother lives in XXXX, MO, out of the PNC Bank footprint, and can not travel because of severe XXXX. Since PNC wouldn't let me have access to the funds, my brother called requesting info/forms to do this. He specifically asked if the letter identifying him and asking for the account to be closed needed to be notarized. The lady told him no, it did not. He sent in the letter/form and death certificats and we waited 3 weeks, no response. Meanwhile, the branch manager here in XXXX, Ky e-mailed in my parents death certificates 2 ( TWO ) times. I pressed the issue here in Kentucky to find out why we hadn't heard anything and they finally told us my brother had to write the letter requesting the account be closed and this time it had to be notarized, which he promptly did. They also needed Mom 's death certificate, so the local branch emailed it in AGAIN. That was over four weeks ago and we still haven't heard one thing from the bank. I have called and visited the local branch several times to find out the delay. I might add my parent 's other account at another local bank was closed in 10 minutes. PNC bank has lied to us, lost my signature card and Mom 's death certificate, put me on hold on the telephone for, literally, HOURS to try to get some action on their part. I have remained calm and patient, but this is getting to the ridiculous stage. I'm beginning to think they aren't going to let us close this account. We NEED this money to pay Mom 's final expenses. We need some help here, they have treated me terrible, although XXXX, the branch manager, has been nice. Please, please do something, it's been 2 months.
Consumer complaint received 2017-05-26
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: TD BANK US HOLDING COMPANY (CA)

I had not used my target card in over 2 months because my balance was {$0.00}. Checking my credit card statement in early  XXXX  it showed t hat I had reported owing money to Target, and it had caused a large hit to my credit score when I was trying to buy a house. I tried contacting Targets credit card support but they told me there was nothing I could do. I immediately paid them the {$15.00} that it showed I owed them. There was never any statement sent to my address, or my previous address and I had not received any emails either. I was told on the phone that even though I paid the balance on the card, they would not remove the credit card hit because " I was sent a statement so I knew I owed money ''. Very rudely the representative ended t he conversation. I tried calling back many times and explaining I was never told I owe any money, all ending with the same result. Eventually I ended up just calling to cancel the card because I was getting such rude and un-helpful service. I have filed disputes with all  XXXX  major credit agencies to get this removed, explaining to each of them that Target is being completely uncooperative.
Consumer complaint received 2019-08-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc. (FL)

I sent this company several letters asking them to verify this debt or remove it from my account. What they sent me back was just a letter with itemized charges that I allegedly owed. Theres no signed contract with my name or anything. That does not meet the federal trade Commissions guidelines of what constitutes proper debt validation! 
You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. In addition, the Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report and under this act.
Consumer complaint received 2018-09-14
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: AMERICAN EXPRESS COMPANY (IL)

American Express offered promotional financing on their website. I went to accept the terms, however, their website did apparently not accept those terms and I was never granted the financing I was offered and had accepted. I called American Express to address the situation and they acknowledged that I did accept the financing, but refused to fulfill their offer.
Consumer complaint received 2018-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Home Point Financial Corporation (CA)

Home Point Financial took over the loan about a year ago. For nine months they did not report my payments to the credit reporting services, so my balance was not going down, even when I made my payments. I complained to XXXX and Home POint Financial started reporting me. Around XX/XX/XXXX they started sending me double statements. One statement would say all is OK and one would say I am late by a month or two. I have never been late and I have proof of payment for every month. My credit scores are between 800 and 850.  Contacting them was nearly impossible. The website does not work. I have attempted to enter it a dozen times, but either it is down or does not recognize me even when I change my password. I believe I was successful one time. Their phone system does not answer, either. Latest time I tried to call them was today, but their recording says they have a system error. I have mailed them letters with proof of payment twice, but gotten no response, or at least no response I can access. Now I got two notices that they have reported me as late on my payment to XXXX, XXXX/XXXX XXXX ( not sure based on what service that is ) and possible others. This company is causing too much worry and work for consumers and should be fixed/shut down. Thank you for your help in advance!
Consumer complaint received 2019-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (GA)

My name is XXXX XXXX and i applied for an American Express card and was declined with no reason given. This was on XX/XX/2019. I decided to call the XXXX XXXX XXXX provided. 
I inquired from the customer service personnel while i was declined, he informed me my credit score was not a factor in their decision but was based on my past. That i had an American Express card that was charged off over ten years ago. I said that was my past that i paid for with my credit messed up for about seven years because they reported me to the credit bureau. I am a different person now with a credit score of XXXX. I know of people who had their American Express Card charged off in the past and were given or have American Express card. I feel this is discrimination against me. You can't punish some one twice for the same offence. I am a lot wiser and very responsible with my credit history. I will not have a credit score of XXXX  without being responsible managing my finances. I will appreciate for you to investigate this injustice and rectify it. Am sure am not the only one discriminated against.

Thank you in advance for your assistance. 
Sincerely, XXXX XXXX
Consumer complaint received 2019-04-12
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: First Federal Credit Control, Inc. (OH)

I was a patient at XXXX XXXX ( hospitsl medical ) in XXXX XXXX, Ohio.The First Federal Credit Control put 8 seperate reports on my credit report. They itemized the indivual daily charges. There 5 at XXXX.. XXXX.. XXXX.. {$61.00}. 
This has affected my credit report as well as my score. If they add all charges into one derogatory credit, it will improve my report and score tremendously. I was under the impression that medical bills not supposed to be on reports.
Consumer complaint received 2019-04-12
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. (IL)

Hello I check my credit and I see there a auto loan for XXXX on my EQUIFAX REPORT NOT XXXX OR MY XXXX REPORT. I BEEN SENDING IN ALL MY LEGAL DOCUMENT TRYING TO DISPUTE WITH EQUIFAX FOR A WHOLE YEAR. IM NOT UNDERSTANDING HOW IS EQUIFAX VERIFYING THE INFORMATION AND YOU NEVER SENT ME NOTHING IN WRITING. I NEED HELP TO INVESTIGATE MY SIGNATURE AND ADDRESS ECT. THIS IS NOT ME. I NEVER HAD THIS ACCOUNT XXXX XXXX XXXX THE ACCOUNT # XXXX. MY IDENTITY WAS STOLEN WHEN MY PURSE WAS SNATCH YEARS AGO. IM IN XXXX WHERE ITS KIND OF RUFF AND DANGEROUS WHERE ANYTHING COULD HAPPEN.
Consumer complaint received 2019-05-27
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (MA)

My loan was purchased by Freedom Mortgage. During the process I had several payments that were sent to the old servicer and were not forwarded according to RESPA guidelines. During this time I had defaulted on my mortgage due to failure to forward the payments which has since been resolved. However, Freedom Mortgage inappropriately reported late payments on my credit report during such time. My loan is current and the issue has been corrected however XXXX has not corrected my credit reports as I was informed. In fact all three of my major credit reports reflect different information. XXXX did acknowledge and take responsibility for this issue and reversed all late payment fees but has not updated my credit reports.
Consumer complaint received 2019-05-27
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. (KS)

I have tried to call numerous times, I keep getting transferred to multiple departments who are either closed or place me on long holds before disconnecting calls saying due to system technical errors. 
I have received your response, and to clarify my request I demand you cease and desist reporting to all credit bureau agencies, and delete the entire account history in full for inaccurate reporting. I am disputing the debt you have charged off which is why I want all communications with me stopped regarding the account. You dont have any right to damage my credit report after you have incorrectly applied a payment reimbursement '' as a curtailment. You are a not using common sense, and I don't care what your policy is because it is invalid in this case. The payment was not sent to you from an insurance company, it was sent to me as repayment for money I spent out of my own pocket to fix the car. As I have stated numerous times that money was allocated for monthly payments in my budget and it is not up to you to decide have to distribute my money on my accounts. Therefore you are in violation of several consumer protection laws I will hire an attorney to enforce in a federal court of law while requesting at least {$75000.00} in damages along with attorneys fees if this account history is not removed from Experian, XXXX and XXXX   immediately.
Consumer complaint received 2017-01-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (IN)

I have sent Experian XXXX certified letters asking them to verify that items being reported on my credit report be verified correctly under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). They have also failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 
They continue to respond that the items listed have been verified yet ignore my requests to provide copies of original documents with my signature on them.
Consumer complaint received 2019-04-09
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. (CA)

they are reporting a fraudulent account that doesn't belong to me on my credit file. XXXX XXXX XXXXXXXX confirmed this and i sent them as well as them documentation to remove this negative and incorrect account from my credit files. it was removed from some but not all of them i see now. XXXX XXXX  XXXX account is not mine and should be fully removed.
Consumer complaint received 2019-05-27
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. (KS)

I have tried to call numerous times, I keep getting transferred to multiple departments who are either closed or place me on long holds before disconnecting calls saying due to system technical errors. 
I have received your response, and to clarify my request I demand you cease and desist reporting to all credit bureau agencies, and delete the entire account history in full for inaccurate reporting. I am disputing the debt you have charged off which is why I want all communications with me stopped regarding the account. You dont have any right to damage my credit report after you have incorrectly applied a payment reimbursement '' as a curtailment. You are a not using common sense, and I don't care what your policy is because it is invalid in this case. The payment was not sent to you from an insurance company, it was sent to me as repayment for money I spent out of my own pocket to fix the car. As I have stated numerous times that money was allocated for monthly payments in my budget and it is not up to you to decide have to distribute my money on my accounts. Therefore you are in violation of several consumer protection laws I will hire an attorney to enforce in a federal court of law while requesting at least {$75000.00} in damages along with attorneys fees if this account history is not removed from XXXX, Equifax and XXXX immediately.
Consumer complaint received 2019-05-27
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. (KS)

I have tried to call numerous times, I keep getting transferred to multiple departments who are either closed or place me on long holds before disconnecting calls saying due to system technical errors. 
I have received your response, and to clarify my request I demand you cease and desist reporting to all credit bureau agencies, and delete the entire account history in full for inaccurate reporting. I am disputing the debt you have charged off which is why I want all communications with me stopped regarding the account. You dont have any right to damage my credit report after you have incorrectly applied a payment reimbursement '' as a curtailment. You are a not using common sense, and I don't care what your policy is because it is invalid in this case. The payment was not sent to you from an insurance company, it was sent to me as repayment for money I spent out of my own pocket to fix the car. As I have stated numerous times that money was allocated for monthly payments in my budget and it is not up to you to decide have to distribute my money on my accounts. Therefore you are in violation of several consumer protection laws I will hire an attorney to enforce in a federal court of law while requesting at least {$75000.00} in damages along with attorneys fees if this account history is not removed from XXXX, XXXX and Transunion immediately.
Consumer complaint received 2018-01-09
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Bridgecrest Acceptance Corporation (GA)

Company refused Police Report and Identity Theft Report on several occasion dating back to XXXX to Present. Several Calls were made to my cell phone due supplying the company with a copy of current Driver 's License, Social security Card and contact information to resolve this issue instead the account was just update with my personal information that was requested by the company after sending a Police Report and Identity Theft Report after abating this information I proceeded to get phone calls regarding the fraudulent account asking when I 'm going to pay it and that if I did n't pay they were going to press charges on me and garnish my wages.
Consumer complaint received 2023-08-19
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. (AL)

On XXXX XXXX I filed a complaint to update my personal information and I provided all documentation needed to verify who I am. The complaint # XXXX has taken more than 30 days and the issue is not resolved. Below I have attached documents to show what information should be updated or removed.