davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-27
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: HSBC NORTH AMERICA HOLDINGS INC. (MN)

We had a XXXX mortgage with HSBC.We received a Cancellation of Debt from HSBC dated XXXX/XXXX/XXXX on XXXX/XXXX/XXXX. Months later we received another copy of Cancellation of Debt which was dated XXXX/XXXX/XXXX. This form said it was corrected and stated the debt discharged was XXXX.The XXXX discharged {$24000.00}. We heard nothing from HSBC or XXXX XXXX XXXX XXXX XXXX XXXX XXXX. At this time we heard from XXXX XXXX XXXX. 
XXXX claimed we owed $ XXXX+with late fees. We were able to get a loan modification on our XXXX mortgage due to my being forced to retire due to health issues and we could not afford our XXXX mortgage monthly payments. We are still struggling with our monthly mortgage payments and we heard out of a 4yr. silence that we owe for a XXXX mortgage. There is no way we can pay this back on our current fixed income.
Consumer complaint received 2021-02-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Revolut Technologies Inc. (MI)

A {$15000.00} transfer was sent to Revolut on XX/XX/21 from my XXXX brokerage account. They asked for a statement from XXXX which I sent within 1 hour. They later asked for another statement from my source of income. I sent them my XXXX statement showing my income. They then threatened to close my account and stole all my money. Revolut claims the {$15000.00} was " reverted '' but it was never returned to XXXX. This company is a total fraud and should be shut down and the people responsible should be put in prison for life.
Consumer complaint received 2017-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

I recently pulled a copy of my credit report and to my surprise I noticed that you are reporting inaccurate data- such as : REPORTING AN ACCOUNT AS A COLLECTION ACCOUNT MULITPLE MONTHS IN A TOW WHEN AN ACCOUNT CAN OHNLU FO INTO COLLECTIONS ONE TIME. NOT 4 TO 24 MONTHS IN A ROW LIKE YOU ARE REPORTING IT!!! AND NOT AS A BRAND NEW COLLECITON EACH MONTHYOU HAVE REPORTED THESE ACCOUNT INACCURATLEU LONG ENOUGHREAGING OF AN ACCOUNT IS A MISREPRESENTATION OF MY CREDIT HISTORY.. SO DELETE THESE ACCOUNTS NOW!!!!!! PLEASE!!!!!
Consumer complaint received 2016-04-12
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: HSBC NORTH AMERICA HOLDINGS INC. (IL)

Debt was discharged in bankruptcy in XXXX. Received letter XXXX from 3rd party collection agency stating that I still owe original creditor. I called XXXX, XXXX XXXX XXXX, spoke to XXXX XXXX & gave them the bankruptcy file number & told them this debt was not valid. He said my lawyer from the bankruptcy did not do their job & that here was an arbitration judgement issued in XXXX & that he was collecting on behalf of that judgement. He was able to finally verify the item was listed in bankruptcy discharge & continued to belittle my lawyer for getting me in this problem in the first place. He was very rude & made me feel victimized for something that is a non issue.
Consumer complaint received 2022-12-14
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. (FL)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly.
Consumer complaint received 2018-06-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (NJ)

My complaint is with PNC Bank. I've had a HELOC with them since XX/XX/XXXX and banked with them since XX/XX/XXXX. 

My concern start in XX/XX/XXXX, when they implemented a " new '' system. Since inception of the HELOC, I've had autopay and periodically submitted additional " Additional Principal '' payments, without problem. 

XX/XX/XXXX, a normal payment of {$560.00} was recorded with {$330.00} going to principal and the balance going to principal. And on XX/XX/XXXX I sublated an online additional principal payment of {$5000.00}. A couple of days later and saw my additional principal {$5000.00} was broken up into a {$560.00} payment and {$4400.00} additional principal payment. So, I called PNC Bank and asked the loan servicing department to fix this situation. I was forwarded to a dispute resolution department and they told me the new system had problems and they would fix my loan. 

XX/XX/XXXX, no autopay was deducted and I called to make sure they took the payment. I told them that there was plenty of money in my checking account and they should fix this so I wasn't charged late fees or wreck my credit. They said OK and would have things fixed soon. 

During XX/XX/XXXX, I called several times and even went to my local branch to have this problem fixed, but it wasn't. My local branch was cooperative and understood my concerns. They even called ( on my behalf ) and emailed the Customer Resolution dept. Also, during XX/XX/XXXX I started receiving calls from the PNC Loan Department stating that they wanted to collect on my delinquent loan account. I spoke with a supervisor and he said he make a note about my situation and I wouldn't get any more calls, but I did. On XX/XX/XXXX it looks like PNC credited my loan with the XXXX to " other '', not principal or interest. And what happened to the other {$560.00}? I was told it's still in work. 

XX/XX/XXXX my account was credited with a {$560.00} payment but the principal was only {$130.00} and the rest to interest. I called again and told that payment was being backdated to XX/XX/XXXX. So, I said if that's the case the principal and interest needed to be fixed to accurately reflect. I was told it would be fixed but, to date it hasn't. Additionally, on XX/XX/XXXX the took a payment of {$530.00} with {$290.00} going to principal and the rest going to interest. 
I thought
I may be on my way to becoming whole, but on XX/XX/XXXX {$570.00} was auto paid to " other '' and not Principal or Interest. 

My local branch has been cooperative and they've requested a daily accounting of my loan info from XX/XX/XXXX to present. This is the only way to ensure I'm being credited for payments. 

Additionally, during conversations with the " Resolution '' office/department, I was informed that in the future ; " if I want to make additional principal payments, I have to make them at the local branch and they have to be submitted on the date that they deduct/credit my autopay. '' " This is the new system. ''
Consumer complaint received 2024-03-01
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: BMO Bank, N.A. (CA)

Request for Assistance with Account Closure and now a Refund Dear Sir/Madam, I am writing to request your assistance with reopening Case # XXXX, as the process of closing my account is still pending. According to the previous case notes, after closing all my accounts, the bank agent informed me that no further transactions would take place after 30 days. However, there were three merchants who refunded my account well after this period, without my knowledge. According to XXXX XXXX XXXX statement, the account in question was closed on XX/XX/year>, but it appears that it was not actually closed. I would like to understand why these funds were accepted and more importantly, why they were not automatically returned to me. I believe I should have been informed about this, and I am disappointed that this was not the case. I can't help but question Alans statement in his previous response, We are committed to serving our customers in a fair and ethical manner... 

I contacted the bank, and they assured me that they would issue the credit balance via mail. However, it has been over a month since that conversation, and I have not received the check. My BMO account indicates that the refund ( transaction ) took place on XX/XX/XXXX. Since then, I have moved, but I have a forwarding request with the postal service, and I have received other forwarded mail. 

Today, I attempted to use the chat function on the BMO website to inquire about the status of my refund, but I was logged out just as I received a response from the support agent. I was able to log back in and was reconnected, but the agent informed me that they could not assist me with credit card issues and advised me to call the helpline. Unfortunately, I was informed that the wait time for the helpline was another half hour. 
I have spent a significant amount of time trying to resolve this issue and finalize the closure of my accounts. I respectfully request your assistance in expediting the account closure and refund process, which has been ongoing for several months. 

Thank you CFPB for helping me with this. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-02-09
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: M&T BANK CORPORATION (CO)

In XXXX of XXXX I sent a message to M & T Bank to request if it was possible to change the due date of my camper loan. About 2 weeks later I received paperwork in the mail to change the due date. As the camper loan is in both my name and my husband 's name we both signed the paper, I took a copy for my records, and placed it in the mail on XX/XX/XXXX. When no changes were made to the account in XXXX I thought perhaps they require a full billing cycle to make the change. When the change still was not reflected in XXXX I attempted to call the bank with no success. Every time I have attempted to call, which has been over a dozen times, I am looped through their menu and regardless of what options I choose it always ends with a message stating they are experiencing a higher than usual call volume and can not take my call so I should try at another time. After I was unable to reach anyone by phone I sent a message on XX/XX/XXXX through their secure message system on the bank website asking why my account still did not reflect the due date changes. I did not receive a response until XX/XX/XXXX informing me that they never received the mailed paperwork. I was told I could mail a copy again or fax it to a number they gave me and the changes would only take 2 business days to be reflected on my account once they received the paperwork. I chose fax so that I could be sure it was received this time. I faxed the paperwork to M & T Bank on XX/XX/XXXX and received confirmation that the fax was successfully transmitted. It is now XX/XX/XXXX and my account still does not reflect the changes and I have attempted to call 6 different times on XX/XX/XXXX with every call ending with the message indicating they were experiencing a high call volume and to call again later. I sent a message through their secure message system on the website on that same day, XX/XX/XXXX and still have received no response. Our camper dealer secured this loan and we had no idea there are no physical locations anywhere outside of the eastern United States. We live in Colorado and since their phone system is either unmanned or grossly inadequately manned we are literally at their mercy. I have no recourse and I can not reach anyone at this bank to find out why we have been actively working for 4 months to make a simple 10 day change to our loan due date and can not seem to accomplish this. It causes me great concern as to the reliability of this bank and as a loan holder through them I feel incredibly helpless to do anything but continue paying my loan for the next 12 years.
Consumer complaint received 2017-12-09
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. (FL)

My credit report shows an account that does not belong to me, original creditor was XXXX, and the reporting agency is XXXX XXXX XXXX. 
I have submited disputes to transunion and they deleted the account after months of letters and calls. I even submited a letter from the collection agency which states they would not report on my credit report. 
Yet, the account is there again, and transunion has removed my ability from disputing online. 
I am under the understanding that once an account is removed i should have been notified if it would be reinserted on my credit within 5 days, yet none of that happened. 
as a result of that account showing on my credit report, XXXX XXXX XXXX decided to close my credit card which was on perfect standing. affecting my credit even more
Consumer complaint received 2024-03-01
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Nothing happened. They ( Bank of America ) Stole my home and violated my Constitutional rights under the XXXX and the XXXX amendments. They have been investigated under XXXX. XXXX XXXX XXXX.
Consumer complaint received 2019-05-13
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. (NY)

While I was monitoring my credit report on Transunion ( XX/XX/19 ) I  found out my credit score went  down 32 points, right away I got in touch with the mentioned credit bureau to inquire about what was the reason, all my accounts were and are at the moment current ( no delay payments, no over the limit, no liens or else ), They couldn't explain in a reasonable or logical way other that 2 specific accounts weren't current ( XXXX XXXX and XXXX XXXX XXXX XXXX ), I called both companies and They told me that both accounts were current and had no issues.
Consumer complaint received 2017-10-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (PA)

I sold an XXXX for XXXX the buyer paid and I shipped it. She has the phone and PayPal refuses to release my funds. I was never made aware they were holding m yu money I would have never sent the phone we or used PayPal. They charged me XXXX Dollars IU n fees and IU do n't know why I 've tried to get my money and they keep saying they ca n't yet
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (NC)

It says I was late or bankrupt but I can't find any proof of that.You know those cases, XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX )? They make it pretty clear that this needs to be sorted. So, if you can't find any evidence, could you update it to " paid as agreed, never late '' or complete DELETE THE ITEM? 
un-authorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account : XXXX XXXX  Account : XXXX XXXX XXXX Account : XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXXXXXX XXXX Account : XXXXXXXX XXXX  Account : XXXX
Consumer complaint received 2018-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (AR)

Fair collections & outsourcing is reporting to XXXX  as a collection which is not, it is a paid to delete account which should be removed which was removed for the other two credit bureaus.
Consumer complaint received 2019-05-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

A company called Portfolio Recovery calls my phone number constantly for my ex husband who hasnt lived here in over 7 years. Portfolio Recovery is a Debt Collection agency. I keep blocking their number but they call back from different numbers leaving a computer generated message. I have never spoken to them. They have been calling for years.
Consumer complaint received 2020-05-08
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. (CA)

I discovered an account that does not belong to me from a company called XXXX XXXX. I was made aware of it today XX/XX/20 when I was rejected from renting an apartment that I applied for due to this account being in negative standing. This account does not belong to me and I did not allow anyone to open this account on my behalf using my personal information such as my name, social security number or address. I did not benefit anything form this account and I did not make any payments to this account. I am not affiliated with this company whatsoever nor do I have any formal contract or agreement with them. I have filed a complaint with the Consumer Financial Protection Bureau as well as a police report regarding this unauthorized account.
Consumer complaint received 2022-06-09
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. (TX)

I found out my minor child have a credit with this company and I am requesting these items to be removed from my daughter profile and i want mailed proof of doing this first mistake they have her birthday as XX/XX/XXXX when my child birthday is XX/XX/XXXX which is she's only XXXX years old they have her same social security number as my minor child as well i am including my license showing i am the mother my child birth certificate and her social as well WITH MY RECENT BILL
Consumer complaint received 2022-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I was never late on this account. This account is reporting inaccurate information which is highly damaging me as a consumer. I NEVER LATE PAYING ON THIS ACCOUNT! This is incorrect reporting!
Consumer complaint received 2020-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation (FL)

I open this account 2 1/5 years ago. ACCOUNT # XXXX They request that I set up automatic payments as there terms, I agreed and provided then a blank voided check. This account was never late but according to there report it shows account was late because automatic payments was never set up properly. I called one main was told it would be corrected. I was told to write a letter to there credit department which I did and again was told it was going to be correct. It has been two years an they still have not corrected the error
Consumer complaint received 2018-06-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (CA)

I took out a loan with XXXXXXXX XXXX back in XX/XX/XXXX for $ XXXX to buy my home. It is allegedly now being serviced by Caliber Home Loans and they have failed to give me a complete payment history of payments made to XXXX  and transferred to them in XX/XX/XXXX.  Also I paid into an escrow account for taxes and insurance and they have failed to pay me the 2 % interest at the end of the year. I have now had to join a class action and they keep deny sending me the requested information. They are also trying to unlawfully foreclose on my property when it is in BK and I only owe them $ XXXX. ( See attached RETRAN document ). Please audit this loan asap. Thank you.
Consumer complaint received 2016-11-23
Product: Credit card — 
Issue: Balance transfer — 
Company: AMERICAN EXPRESS COMPANY (CA)

I requested a balance transfer of {$750.00} from my XXXX account to my American Express account, however, American Express posted the charge twice on my account but it only transferred once. I tried to get this resolved for a month now but they have not fixed the issue and have reported inaccurately to the credit bureaus.
Consumer complaint received 2021-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Onity Group Inc. (IL)

Good Afternoon, This complaint involves not only PHH Mortgage Services XXXX XXXX XXXX XXXX XXXX, NJ XXXX But all 3 Credit reporting bureaus, XXXX, XXXX and XXXX. In the previous year of 2020 my mortgage payments were reporting late on my credit report, negatively affecting my credit and lowering my score. The credit bureaus are operating out of compliance. Due to the fact stated in the Consumer Financial Billing Act. I should be contacted before anything is placed on my credit report that has the potential to adversely affect my report. Also, I'm given A certain amount of days to respond to offer an explanation. In this case I was never called, emailed or received A letter. 

Thank you
Consumer complaint received 2021-02-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

I invested in XXXX and XXXX  through Coinbase on XX/XX/XXXX in the amount of {$5000.00}. 
Apparently my account was hacked on XX/XX/XXXX. 

I have tried many times over last few years to contact Coinbase support but it is impossible to talk to anyone and their online support asks for information with an email that can not be replied to and they auto-close the ticket after a few days. 

This company is a complete scam/fraud with no customer support available.