davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ORG GC GP BUYER, LLC (NY)

I tried XXXX service for my family, I cancelled after 10 days of service due to bad signal strength, I paid over {$350.00} to return equipment and close account, 2-3 months later XXXX sends me to collections for usage of 10 days of service, I paid the usage fee on XXXX/XXXX/XXXX and balance was XXXX .... Today is XXXX/XXXX/XXXX and I am still showing an active collection account from GC services on behave of XXXX, after numerous calls hours of phone conversations with XXXX and GC, XXXX admitted that the balance is and should be XXXX from XXXX/XXXX/XXXX ... A supervisor from XXXX had me 3-way a phone call to Collection agency, but the collection agency disconnected the call and refused to speak to XXXX ... I am now being denied a mortgage loan because of this negative collection report .... Please erase this negative from my credit as I am trying to make the biggest purchase of my life and realize the American Dream at the same time, not only for me but also for my family of XXXX.
Consumer complaint received 2017-05-30
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (FL)

I have a HELOC with PNC. I also have bank accounts and an investment account. The HELOC is on my primary residence in XXXX. My home was a part time residence as I lived and worked in XXXX  until XXXX XXXX 2017 when I moved to XXXX full-time. I contacted PNC to change my address on all my accounts to my XXXX home. My address was changed no problem on my bank accounts and investment account. I have forwarded my mail to my XXXX home so I got the statement for my HELOC the next month still showing my old address. I called PNC again to change the address. They said it was changed and I would not have any issues. The next month my statement again was sent to my old address and forwarded. I called PNC again and was told they would get it fixed. Within a week I got a letter from PNC saying they would not change my address until I wrote them a letter requesting it and for me to send them documentation ( utilities statements ) showing this was my address. I called and said I am not sending you that change my address and was told no. I opened a formal complaint with PNC and I received a call back from XXXX XXXX ( XXXX ) with executive escalations and she said they would not change my address without the requested documentation. I asked that this be escalated to the CEO 's office as I am not jumping through hoops to change my address. I have never heard from anyone and my statements are still being sent to my old address. At this point its about the principal that PNC is a horrible organization to do business with and I am not doing anything else about my address. Think about the absurdity of this situation. 1st they change my address no problem on my cash money/investment accounts with nothing more than a phone call. They will not change my address on a loan that the collateral is the address I am asking them to send the mail to. They are now sending my mail to an address that could be opened and accessed by an unauthorized person which I mentioned to XXXX XXXX and basically PNC does not care. If I have any fraud committed against me due to the fact that PNC is sending my mail knowledgeably to a old address I will hold them accountable. I tell everyone I know not to do business with PNC and I will not do business with them ever again. They treat customers like trash!
Consumer complaint received 2020-12-22
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. (GA)

I checked my credit reports through XXXX XXXX and XXXX. I have two credit cards with XXXX and on all my credit reports, it shows that one of my credit cards has been closed. XXXX said everything is normal and their no restrictions on the accounts and dont know why they would show closed on my reports. My credit reports are being tampered with and Im in the middle of home buying. I need help. Closing accounts can show as negative on credit reports and I need to know why this happened. Its not fair.
Consumer complaint received 2019-07-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Lending Club Corp (PA)

I have a loan with lendingclub.com i have moved the payment before to a different date and they charge me extra, i now i have moved the date to a closer date, and they don't want to lower that payment for that moment, this is ok..i have to pay on the XXXX each month, now I move to the XXXX of this on, and is the same amount, should be lower the first month., also i recucest t o lower the interest i see now is to much, and they refuse, what they tell me is to get another loan ... this is right. the interest rate i have is 35.9 % is very high.
Consumer complaint received 2018-04-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (MA)

On XX/XX/XXXX, I called my mortgage company to ask them to stop paying my local real estate taxes out of my escrow account because I was doing that now. 

On XX/XX/XXXX, my mortgage company paid my real estate taxes anyway, {$2000.00}. On XX/XX/XXXX, I closed my escrow account so they wouldn't pay any of taxes again. 

I then had to fight with my City to refund the extra tax payment. They did so by sending a check to my mortgage company on XX/XX/XXXX. XXXX. ( see e-mail confirming that ) So, I then started calling my mortgage company to get those funds. Each call lasted between 15 and 25 minutes. At each call I asked them to call my cell phone if there were any problems with my request. 

XX/XX/XXXX : they said they received the check but have not yet processed it. 
XX/XX/XXXX : same story XX/XX/XXXX : they have received it and will process my request XX/XX/XXXX : I was told there was a problem because the funds were deposited into a non-existent escrow account, so another procedure had to be started. And they would expedite my request and I should get it in a week. 
XX/XX/XXXX : I was told that it takes two weeks to process the request, so it should be done in another week. 
XX/XX/XXXX : I was told they sent me a e-mail on XX/XX/XXXX with some questions they needed answered. But I did not receive such an e-mail, but what are the questions and I will answer them. They said they didn't know, but they offered to start the process anew. 
XX/XX/XXXX : I called to tell them I was contacting my state Attorney General. 

My state attorney general said to file a complaint with the CFPB, so here I am.
Consumer complaint received 2018-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

They run mega technology to hord info, yet their simply ineffective www.Annualcreditreport.com does not provide the single free report from each agency. 
Each one error-ed out over and over. 

We have to call in. Why?
Consumer complaint received 2019-07-01
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: INTEGRAL RECOVERIES, INC. (UT)

On XX/XX/2019 and XX/XX/2019 I was contacted on my cell phone number from someone named XXXX asking for my husband to call her back at XXXX ext XXXX. She did not express that she was calling in regards to a debt or identify what company she was calling from. My husband has also been receiving these voicemails. There have also been calls made to his work where a woman asked for my husband but refused to say where she was calling from. She was rude to his coworker and as my husband was not available, they did not leave a message, they just hung up on his coworker. Today I called the number they called me from, XXXX and spoke to a woman named XXXX who did not identify the company name until I repeatedly told her that she needed to identify the company they are calling myself, my husband and my husband 's job, from. She finally told me that they are with Integral Recovery Services. When I told her I am going to report them for the harassing phone calls and voicemails where they have refused to identify where they are calling from, she laughed and said who are you going to report this to. I just let her know they will be contacted regarding this. It is inappropriate for a debt collector to not identify where they are calling from, to not even say that this is regarding a debt, to call multiple phone numbers multiple times and then to act rudely towards the people they are calling when we want to know who they are employed with. This has become very disruptive to both my husband and myself, as well as my husband 's job.
Consumer complaint received 2020-02-17
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX XXXX and XX/XX/XXXX BK OF AMER XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2019-07-01
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (MS)

Wells Fargo Bank NA - XXXX 'XXXX XXXX Credit card I set up automatic payments far above the minimum payment due. These payments would coincide with my pay cycle and thus make the payments earlier and earlier each month. 
Two key parts of this complaint are a. Wells Fargo increases the minimum payment due each month despite the overall balance becoming significantly less. I speculate that once they detect an automated payment source with a consistent amount, they make the new minimum payment slightly higher than the set amount. Example ( current Balance due + {$430.00} ( minimum Payment due + {$100.00} ). My automatic payment is {$100.00}. Now, because of the {$9.00} difference, they can charge a late fee and potentially report a credit delinquency. When this was set up, the balance was $ XXXX AND THE MINIMUM PAYMENT WAS {$40.00}. 
B. ) Wells Fargo applies payments made early to a prior months ' balance instead of paying forward as the next payment due. This too creates an opportunity for them to charge a late fee, when in actuality the payment was 3+weeks early.
Consumer complaint received 2022-10-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have a negative remark on my credit report. A bill that was paid over a year ago. I have confirmed with both the XXXX XXXX  and the collections dept that the bill was paid, yet still a year later, it remains on my report. When filing a claim dispute with transunion, they claim that the info on my report was accurate, which leads me to believe this is just a generated response, because they obviously did not investigate at all. This item has affected my credit score for over a year now and my next step is legal action towards transunion. The negative on my report is with XXXX XXXX for {$880.00} from XXXX XXXX XXXX  and again, this bill was paid in XXXX of 2021. Thank you for your time. XXXX
Consumer complaint received 2020-02-17
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (FL)

I want to make it crystal clear that I am not responsible for the debt with Midland Credit Management. I have no contract with them, and despite my request, they have failed to provide me with the original contract. Therefore, I can not be held liable for any debt associated with Midland Credit Management. 

{$670.00} Opened XXXX XXXX, XXXX ( 1 yr, 3 mos ) Account status Open Type Derogatory Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX Closed No Info
Consumer complaint received 2022-11-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

RE : Complaint ID XXXX. On XX/XX/22 I received an E-mail from a XXXX XXXX XXXX claiming to be from the Office of the Chairman at 'Citizens '. She said after failing to contact me at my home phone number she sent me this email requesting that I call her at this phone number XXXX. Well I did call this number, over 12 times between then and XX/XX/22 and always got the same recorded message about how she is usually in the office between XXXX and XXXX. I am beginning to wonder if she ever is 'in the office '.
Consumer complaint received 2020-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I checked my credit reports through XXXX XXXX and XXXX. I have two credit cards with XXXX and on all my credit reports, it shows that one of my credit cards has been closed. XXXX said everything is normal and their no restrictions on the accounts and dont know why they would show closed on my reports. My credit reports are being tampered with and Im in the middle of home buying. I need help. Closing accounts can show as negative on credit reports and I need to know why this happened. Its not fair.
Consumer complaint received 2016-07-10
Product: Prepaid card — Gift or merchant card
Issue: Fraud or scam — 
Company: U.S. BANCORP (CA)

I bought XXXX gift cards from XXXX and I loaded each card with {$500.00}. When I tried to use all the cards, my transaction was declined. so I checked recent activity. I found all the purchase made on the XXXX cards WERE NOT authorized by me. Further more I was out of country, and in XXXX from XX/XX/2016-XX/XX/2016 so any purchases on the gift card were not done by me.I called gift card issuer on XX/XX/2016. the operator told me the claim I filed with them on XX/XX/2016 WAS NOT TRACEABLE! I am very worried and there are a lot of victims like me reporting fraud online. 

This is not duplicate claim. This is my first time file complaint.I sent card issuer, US bank claim on XX/XX/2016. but they told me they could not find my case on XX/XX/2016!
Consumer complaint received 2024-03-26
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings (MA)

I called because they never notified me about this account. When I did call I was met with threats and he said XXXX XXXX XXXX XXXX get the money and I better have a good lawyer. Then he disrespected my ancestors and said I better ask them for a lawyer. He became very aggressive towards me and I filled a dispute because the amount is way off and they are adding stuff on for own benefit. I feel threatened for my life at this point. This account needs to be removed from credit file immediately.
Consumer complaint received 2020-02-09
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: Experian Information Solutions Inc. (MN)

The following accounts listed on my Experian credit report are fraudulent, unauthorized and not my accounts : XXXX XXXX XXXX, {$14000.00}, XXXX XXXX XXXX, {$3400.00}, XXXX XXXX  XXXX XXXX, {$30000.00}, XXXX XXXX XXXX, {$500.00}, XXXX XXXX  XXXX XXXX, {$1800.00}. The following credit inquiry is fraudulent and unauthorized : XXXX XXXX XXXX XXXX, XX/XX/2020
Consumer complaint received 2016-12-24
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Nelnet, Inc. (CA)

To whom it may concern on XX/XX/2016 I went to the police station and made a police report on 14 accounts that was identified and fraudulent accounts that occurred on my police report as identity theft. All companies removed the fraudelent accounts from my credit report by Law, Three of the accounts belonging to XXXXNELNET has not been removed from my credit report.
Consumer complaint received 2022-12-14
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. (NJ)

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I found that under section 605b ( a ) Equifax and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the XXXX XXXX XXXXXXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX Date Opened : XX/XX/2015 Balance : {$0.00} or XXXX XXXX Date Opened : XX/XX/2015 Balance : {$0.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2017-05-30
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (NY)

Hello, My name is   XXXX   XXXX   and I am contacting you on behalf of my grandmother   XXXX   XXXX   XXXX  . My grandmother is getting ready to retire and I am trying to get her finances handled and have come across some discrepancies. She has a SEARS card that she did use but stopped about 2 years ago and continued the payments as billed to her and her balance never went down. I have looked into her purchase history and nothing warranted the a approximately three thousand dollars. I believe that the interest and services fees are what kept her from minimizing the debt over the last couple years. I 'm hoping by contacting you that you can find out if there was any wrong doing over this matter. She has been for the most part a pretty loyal customer of theirs until they left the local area.
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Thank you for your time and patience,   XXXX   XXXX
Consumer complaint received 2019-07-01
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (PA)

On XX/XX/19, I set up payments with Midland Credit Management, paid {$160.00} with another {$160.00} payment set up for XX/XX/19. The total amount owed was {$300.00}. I received 2 statements with the payments taken. However, it is showing up on my credit report still with amount owed  {$300.00}. I called Midland where the gentleman advised they never received my payments and no record of sending me out the letters. I spoke to a supervisor who advised I should sent in a copy of the letter sent by HIS company since they had no record. Then he said he did see a payment made on XX/XX/19 of {$160.00} which then led me to believe they were lying. On my credit report, it shows the balance of {$300.00} so even if they only had a payment of {$160.00} they are committing fraud by not reporting the correct amount to the credit bureau. I paid this account as agreed to delete this off my credit and now they have no record of it and all this for a {$300.00} past due account.
Consumer complaint received 2019-07-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Associated Credit Services, Inc. (NJ)

In XX/XX/2019 I had a collection appearing on my credit report under XXXX XXXX XXXX with the original creditor being XXXX XXXX in the amount of {$120.00}. The amount was paid in full to XXXX XXXX on XX/XX/19 and after XXXX XXXX removed the collection from my credit reports. On XX/XX/2019, I received a credit alert stating Associated Credit Services has reported on this same collection that was paid off. I called a representative to inquire about this collection and stated that it was not only paid in full to XXXX XXXX but that this collection was under XXXX XXXX. The agent then asked that I send in " proof ' that it was paid to take it off my report. I asked why was Associated Credit Services asking for proof of payment when the collection was with another collection agency and that the collection was paid in full to XXXX XXXX. I then asked when was the account given to Associated Credit services and the agent stated XX/XX/XXXX which is the exact same time the debt was paid in full. The agent could not answer any questions and couldn't tell me when they " allegedly '' got this account from XXXX XXXX after being paid in full.