davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-30
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: PNC Bank N.A. (OH)

Hi my name is XXXX XXXX and I 'm contacting you concerning my PNC car loan for 2008 XXXX i paid the balance off which came from my XXXX which was XXXX in a check form which did clear my bank cause the first two times the numbers we 're entered inccorectly so i sent a check but they still has i owe them so i want this cleared up i have never been late on any payments until 3 months ago and always paid a little more then i fell behind and they meaning PNC had no compassion so went into my XXXX and paid it off now want my full credit
Consumer complaint received 2016-04-28
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: FIFTH THIRD FINANCIAL CORPORATION (AZ)

I recently pulled my credit report on XXXX/XXXX/XXXX because my mortgage lenders told me there was a couple of negative items. Looks like the Barclays Bank and Fifth Third bank are reporting late payments on XXXX XXXX for XXXX and XXXX XXXX for fifth third bank. I submit a request for a goodwill adjustment to remove nagative payments from my reporting. However after making my submission, I received my results back from the dispute, and now the report is looking even more negative which in not correct. The report now is showing XXXX, XXXX, XXXX of XXXX and XXXX XXXX as late payments for fifth third bank. That information is not correct and affecting me greatly. Please review again. I am currently in the progress in buying a home. I ask again please correct my report as it showed on XXXX/XXXX/XXXX and if you may consider to removing the negative reporting of my XXXX XXXX XXXX payment and fifth third bank Payments please. At time of the late payment, I dealing with a number of things, my son got sick and my partner lost his job. I been a great consumer and always make payments, if you continue to review my report I am never late on any other creditors. The attachment I included shows my original reports. Please review.
Consumer complaint received 2020-10-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

XXXX, Experian and XXXX XXXX XXXX are reporting a tax lien from the XXXX County Circuit Court for the State of Indiana. In attempting to dispute the liens against my business I have been unable to receive a copy of my business report to dispute the information unless I pay {$49.00} or more for a copy of my credit report.

I spoke to an XXXX   representative who initiated a case on my behalf  with XXXX  Business Credit and told me that I would receive a copy of my business credit report almost two months ago. To date, I have not received the report or any additional requests for information. The  XXXX  business grade of " F '' has caused my business undue hardship because of inaccurate reporting and prevented me from being able to obtain much needed business funding in the midst of COVID-19.

I have attached supporting documentation that shows I do not have any outstanding debt in the State of Indiana as I have never done business there.
Consumer complaint received 2016-03-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I filed a law enforcement report as directed by both the CFPB and FTC, regarding several credit card accounts that were opened in my name. I sent a copy of the original police report, FTC ID theft report, Officers name and badge number and a sworn statement attesting that I did not authorize anyone to open the accounts and I would prosecute. The accounts currently being reported are XXXX XXXX XXXX, XXXX Bank XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. Additionally they reported a plethora of inqs. that do NOT belong to me and where listed in the report.
Consumer complaint received 2022-02-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (IN)

In XXXX of 2019 I purchased a car with a loan from Credit Acceptance. I was only XXXX XXXX XXXX at the time with no credit history, and was unaware of how terrible this loan was. I was denied the opportunity to take out a smaller loan for a cheaper car. They only gave me the option for a {$14000.00} purchase with a 22.99 % interest rate, and me being young with no one to help me figure out that this wasn't right took it anyways I was not told that they do not allow refinancing through their company and have no payment deferral options if I were to need it in the future. So I now am XXXX already payed around {$13000.00} on this car that I never asked for, still owe {$14000.00} going through a rough patch, have almost no choice but to just accept that I'll still have to pay them for nothing as well as have no reliable transportation to work. What company honestly thinks that a XXXX XXXX XXXX kid working fast food in the XXXX can afford to make a {$410.00} per month payment. Based on the history of company it would seem that I'm not the first or last person that they will take advantage of just to make money.
Consumer complaint received 2021-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (FL)

I reserved a hotel stay on my citi card for hotel XXXX XXXX in XXXX XXXX, for the amount of {$1700.00} back in XX/XX/2020. The reservation was for XX/XX/2020. I reached out to the hotel and they promised a refund I have the emails that i provided to citi cards showing the hotel promising me a full refund. In XXXX the reservations department at the hotel stated they were not going to issue the refund because of the pandemic and they did not issue any credit either. Instead they ask that i go through my credit card which is what i did. Citi entered the first dispute incorrectly. They issued it as though i did not like the service and was claiming a refund. WHen in fact the country was shut down due to covid no one was able to fly in or out. I cancelled well within the time frame required. Citi then opened the correct dispute and i have been back and forth with it has been a year later dealing with Citi and there response was the case has been closed the merchant and their bank have declined to give me a refund. So i am out of {$1700.00} no resolution. I am reaching out for your help to get this matter resolved. I feel that they have given me the run around and have not helped me with a full refund. The pandemic was hard on everyone. It is no fault of mine that we were unable to travel. The airlines gave me a full refund. They understood that it was out of my control. Thank you for your help on this matter.
Consumer complaint received 2019-02-22
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (NY)

I paid the company and they keep calling me in regards to this issue and I talked to them respectfully twice but then was told that the amount was still due which it is not. This is the information I reported before : COMPLAINT ID XXXX SUBMITTED ON XX/XX/2019 PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Incorrect information on your report These individuals are associated with XXXX and their finance company, XXXX XXXX XXXX, I want these phone calls to stop. They also are calling and when I answer the phone they hang up this is supposed to be a professionally run company and yet this is happening and the employer should be made aware of some of their employees actions
Consumer complaint received 2015-06-22
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (KS)

Hello I called earlier because my account was closed from USA bank and now I 'm not allow to open another account in any other kind of bank. I 'm in the need of my debit card. I talked to the polices department and let them know everything that USA bank has done to my account. And have n't gave me any time of information.
Consumer complaint received 2020-10-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NV)

Hello, this complaint is regarding PHH Mortgage company.

PHH, for the past 6 months, has consistently misapplied my monthly payments and extra principal monies I have periodically also submitted. I believe their intent is to get more interest money as I attempt to pay down this loan. I am concerned that are also doing this to other clients, which is my reason for contacting you.

In attempting to correct these errors, I only receive inconsistent communication from PHH, despite my best efforts to work with them.

At this time - without notice - PHH has blocked on-line payments and an extra principal payment is unaccounted for ( withdrawn from my bank account but not credited or acknowledged on my account ).

Thank you for providing this consumer service. I can provide you with more details at any time. 

Sincerely, XXXX XXXX
Consumer complaint received 2015-08-25
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CREDIT ACCEPTANCE CORPORATION (NY)

Continually harass my husband and I. I am a XXXX out until XXXX starts back XXXX XXXX and my husband is out on XXXX so we are unable to pay the loan. Keep asking us to borrow the money, call constantly, and are rude and threatening.
Consumer complaint received 2015-04-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Fidelity National Information Services, Inc. (FNIS) (WA)

I think I disputed account but not 100 % sure. I do know that I never received any communication from collection agency ( certigy ). I did receive communictions from a different collection agency asking for payment on XXXX returned checks from XXXX which I paid XXXX 2013. Certegy is reporting that the account is open and that I have XXXX late pays. Certigy should be reporting acct closed and no late pays. I never set up any payment plan with Certigy or first collection agency that was assigned my account. I also requested validation and received no response.
Consumer complaint received 2015-12-24
Product: Prepaid card — General purpose card
Issue: Fees — 
Company: U.S. BANCORP (NC)

Without receiving any notification that my account had gone inactive I was charged a {$2.00} a month inactive fee. I went to use my card this month and apparently the {$23.00} I had on it had been drained out slowly by this fee. After calling the company they refused to refund my money.
Consumer complaint received 2023-03-17
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Consumer complaint received 2019-02-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IA)

In XX/XX/XXXX I pulled all three credit reports. I noticed an account from Portfolio Recovery Associates, LLC. In XX/XX/XXXX I disputed the alleged account with all three credit bureaus. In XX/XX/XXXX all three credit bureaus came back as verified. On XX/XX/XXXX I received a letter from Portfolio Recovery Associates, LLC. ( Letter enclosed ) Prior to this Portfolio Recovery Associates, LLC did not send a dunning notice. They also did not notify me within 30 days of placing negative information into my credit file. On XX/XX/XXXX I sent a certified letter asking for validation of alleged account.
Consumer complaint received 2017-03-13
Product: Credit card — 
Issue: Billing disputes — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OR)

I had set up automatic payments with USAA to get my account caught up. After payment arrangements had been made I had the ability to pay off my credit card account, of which I did. I had called to stop the automatic payments ; however, they did n't stop. USAA is claiming I owe them for the NSF fees and automatic payments that did n't go through, even though the credit card had been paid off and had a balance of {$0.00}. After speaking with the dispute resolution team and providing the documentation of payoff, the representative I spoke with still insisted to not listen to what I was trying to say. To say that I had tried to stop automatic payments and tell me that the account rightfully had a balance, even if the card had been paid off and payments on an account that had a {$0.00} balance had been made.
Consumer complaint received 2022-02-08
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. (GA)

too whom it may concern. I am submitting this complaint on my own and there is no third party involved in me submitting this complaint. I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I have sent numerous letters with a police report and FTC report, and an notarize affidavit to TransUnion, and XXXX and they have yet to remove the items i stated were fraudulent on my credit report. This is a total violation of the FCRA. I feel they are taking advantage of me and are not doing their jobs. FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. It's been months and they have yet to remove these accounts even after i sent a police report and an FTC report. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove XXXXXXXX XXXXXXXX and XXXX XXXX from my credit report. the following items do not belong to me and is a result of fraud that I did not authorize. 
Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.
Consumer complaint received 2019-02-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (SC)

Paypal is attempting to collect a debt in the amount of {$3400.00} that does not belong to me. I have called a notified them of my dispute and that I have been a victim of identity theft. To date, I have been unsuccessful in getting this issue resolved.
Consumer complaint received 2017-02-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (IL)

About 2 years ago I received a notice from XXXX stating that I was past due on my cell phone bill for about {$680.00}. I contacted them and we went over every inch of my bill and they agreed that I did not owe the payment. Later on I received a bill from a collection agency stating that I owed XXXX the amount listed above. I contacted XXXX again and they said they would take care of it. About 2 months ago I have been receiving phone calls and statements from the same collection agency about the same charges. I do not owe this money and I have NEVER missed a payment. I am tired of all of the collection calls and notices. I want XXXX to fix this and guarantee not harm to my credit.
Consumer complaint received 2015-08-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Performance Management, LLC (AR)

XXXX XXXX is utilizing debt collection agencies to attempt to collect for a debt I am not contractually obligated to pay. See previous cases XXXX and XXXX. RPM LLC is the latest collection agency hired by XXXX XXXX to collect on a debt I do not owe. XXXX has not produced a written contract to support their position, however, XXXX continues to use collection agencies as their agents to harass me. We are preparing to file action against XXXX XXXX in XXXX XXXX, XXXX XXXX, Arkansas and I will, without hesitation and great satisfaction be glad to amend said complaint to include the collection agency RPM LLC.
Consumer complaint received 2022-02-08
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: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (AP)

I have a less than stellar credit score due to old, inconsistent information being reported across the three credit bureaus. Peoples United Bank reports a charge off of a {$1000.00} line of credit which they report as delinquent from XXXX. I have not been associated with that institution since XXXX. They have reported I have a charge off on my record in excess of 12 years.
Consumer complaint received 2019-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

THIS IS A CLOSED ACCOUNT DUE TO MULTIPLE ACCOUNTS OPEN AT ONE TIME THAT HAS ALREADY BEEN RESOLVED. BUT COMPANY HAS IT AS A DERROGATORY MARK ON REPORT.
Consumer complaint received 2015-07-06
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (TX)

I financed a vehicle through Ally Financial in XX/XX/XXXX. I missed XXXX payment and was unable to pay the late fees which accumulated and turned into payments. Although I continued making the payments. The car was repossessed in XX/XX/XXXX when the late fees totaled XXXX car payments.
Consumer complaint received 2017-04-06
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC (VA)

We continue getting calls from a XXXX # varies from day to day but its the same company National Credit Adjusters. # XXXX ; XXXX, the last phone call was from # XXXX. 
This morning they called 4 times iin a row. At XXXX, I answer, there is no response but I stated in the phone to remove our number from the call list. I hung up, the company called back 3 times ( XX/XX/2017 ) at XXXX. I answered and asked to be removed from their call list, the Rep stated they dont have a call list he was looking for a XXXX Again, I requested as I did the previous call ( XXXX ) that our number be removed from the call list, he repeated he was looking for someone, I told him I didnt know them and he continued to question me. This is ridiculous. Someone calling my home, harassing us. My elderly mother resides with us and she has XXXX. Every time the phone rings its bothersome to her.XXXX
Consumer complaint received 2021-04-29
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. (CA)

TransUnion claims that the only way to get them a police report indicating fraud from my credit report is to use the USPS and mail it. I have already sent them a paper copy of the report, which was apparently lost in the mail with all of my credit information on it. They also claim that until the police report is received there is nothing else they are able to do. Am I going to have to take legal action to correct these? Thank you!
Consumer complaint received 2016-09-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me instead of my attorney
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NY)

NUMEROUS illegal actions taken by " Fair Collections and Outsourcing '' including violation of FDCRA 605 ( c ) by attempting to " re age '' a XX/XX/XXXX debt by resubmitting today XX/XX/XXXX the same debt Violation of FDCPA 809 ( b ) by failing to validate the debt when requested by my attorney and then continuing to attempt to collect and reporting to Experian Violation of FDCPA 805 ( b ) by contacting my elderly parents and telling them " something bad '' would happen to me if I did n't pay
Consumer complaint received 2015-06-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Transunion and XXXX is showing my mortgage was in bankruptcy and I have informed them that my home was never in bankruptcy and I have also contacted the mortgage company XXXX XXXX about this incorrect information several time and they were suppose to clear this up as well. XXXX was not giving me credit for my mortgage Staten that the information about my mortgage is insufficient. I pay on my mortgage each month and last year they had ask me to forward my house payment information over to them and I did and they are still not showing it correct and this is making my credit score low with them. they are telling me because someone has off me a credit card this will make my credit score low as well never heard of that before. they have all these inquires pulling with out my knowledge and they will not remove this inquire from my report as well where these companies has pull more than once and some of them I do n't know who they are and I need them to be remove as well this is messing up my credit score as well. the bankruptcy normally stay for 7 years now they are making them to last for 10 years on people credit report and this ridiculous for this to happen for a chapter XXXX. these credit bureaus are out of hand with this. Please help.
Consumer complaint received 2016-05-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I am a victim of identity theft. I filed a police and identity theft report with the XXXX XXXX Police Department. The police report case number is : XXXX. The following accounts are unauthorized, fraudulent and do not belong to me : XXXX XXXX Bank, XXXX XXXX, XXXX Account XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, U.S. Department of Education and XXXX XXXX XXXX.