davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-12
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: MNS & Associates LLC (NC)

Company calls multiple times on multiple numbers. Keeps calling my place of employment asking for my personal phone number. XX/XX/XXXX and XX/XX/XXXX have called several times. Leaves voicemail saying the are trying to do an assest verification and needing to verify place of employment. Also in voicemail says that the process is being expedited and should come within the next 24 to  48 hours and then they leave the number XXXX, failure to call back may result in further terminations being made. Then the guy talks real low about state and federal guide line and then I have been officially been notified. 


XX/XX/XXXX called my place of employment threatening legal action, would not give me any info in regard to why he was calling. Told me he needed to transfer me. I told him he would need to speak with my lawyer if it was a legal matter and I could give my lawyers name. The guy scoffed and said he wasn't getting off the phone just because I supposedly had a lawyer. Would not give me any info. I asked him not to call my place of employment again to contact me via certified mail only. He told me he could call me wherever and whenever his company wants to.
Consumer complaint received 2015-04-16
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: PNC Bank N.A. (PA)

In XX/XX/XXXX I used a PNC ATM that had a skimmer on it. {$200.00} was taken from my checking account on XXXX XXXX. The next day I discovered that I had no money in my checking account. On Monday the XXXX I called my credit union and picked up a discrepancy report and returned it on XX/XX/XXXX. Two weeks later the local XXXX XXXX aired a story about the skimmer on the same PNC ATM. 

Then my credit union told me that Pnc bank will not refund my money since it was a pin transaction the next then I called PNC bank and they told me that I had to talk to the credit union. At this time I started to become frustrated with the runaround and being told it 's the other places responsability to refund my money so I contacted the XXXX and they told me that it was PNC bank and that I should contact the CFBP I know my {$200.00} is never going to be seen again but I figured to try one last option
Consumer complaint received 2021-04-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TX)

I have a mortgage with NewREZ company for my home. I have this house from XX/XX/XXXX. As a part of loan amount I pay about {$170.00} in Mortgage insurance. Around XX/XX/XXXX I requested for PMI ( mortgage insurance ) waiver since the home has appraised over the years. I was asked to sign a document and sent it over authorizing the appraisal to be done. I have done so and sent back the document by XX/XX/XXXX. 

I have been following up with the costumer support regarding this issue and I have not received any clear direction. At one point I was told that they are processing my request but I have not received any updates at any point of time. I made the last call 3rd week of XXXX and costumer support agent mentioned that I need start the request process all over again. 

I was never informed in my previous phone calls that they have not received documents or asked me to re-send the documents. This delay in responses and lack of follow-up from the loan company has costed me {$2500.00} ( $ XXXX15months ) in PMI.
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: CARRINGTON MORTGAGE SERVICES, LLC (NC)

Carrington Mortgage is reporting that my mortgage is 2-months past due as of today. However, I have been in direct conversation with Carrington Mortgage. It was late in XXXX, but I have confirmed multiple times ( directly with Carrington ), that my mortgage account has been current ( and still is ) since XXXX. I have also contested the status of my mortgage several times with XXXX, XXXX, and XXXX XXXX ; but Carrington Mortgage continues to confirm the delinquent status to the credit bureaus. So essentially, Carrington Mortgage is telling me that my mortgage is current and has been since XXXX, but they are still reporting it as 2-months past due on my credit report. They keep saying they will fix it, but the correction never happens.
Consumer complaint received 2018-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BARCLAYS BANK DELAWARE (NC)

called XXXX extra points barkleys card in XX/XX/2015 disputed XXXX  for charges on card for returned mdse lied to XXXX lawyers claimed did not receive coins but I was advised by XXXX XXXX  owner received coins and would issue credit but no credit on card
Consumer complaint received 2021-04-22
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (VA)

I took out a second mortgage with XXXX XXXX in XXXX and consistently paid. In XXXX it was transferred to HSBC. In XXXX it was again transferred to XXXX but I did not receive any paperwork as I was XXXX overseas to XXXX. HSBC told me they have a record of return to sender. XXXX then became XXXX and XXXX sold to XXXX XXXX XXXX. HSBC told me to contact XXXX XXXX which I did. XXXX XXXX claims they have no record of this loan. I am trying to sell the house but the title report is still showing an old XXXX lien from HSBC who refuses to release because they said it was sold. No company is claiming ownership of the loan and my VA certificate is tied up as HSBC will not release even though they are the last assignment. I am desperately seeking help as a veteran who has been penalized for being XXXX overseas unable to handle this matter. I as for assistance trying to get HSBC to remove this old lien they do not claim ownership of. In my internet research I understand they have done this to many people and it is an unfair predatory business practice.
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: EQUIFAX, INC. (CA)

Several credit cards have me marked as late. All lates were during the current Covid 19 health crisis and should not have been shown as late on my reports. In fact, the lates should actually never have been marked as such. The 3 cards reporting as late were XXXX XXXX XXXX XXXX, XXXX XXXX/XXXX XXXX  and XXXX XXXX. Again, these lates should never be reported on my credit reports and now my credit score has been negatively impacted.
Consumer complaint received 2018-06-12
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

Company is consistently contacting me at my place of work and on my personal cell phone. Calls are several times each hour, every hour. I've spoken to a representative that my employer does not allow for such calls, but the calls have continued.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.
Consumer complaint received 2020-07-14
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: Experian Information Solutions Inc. (SC)

XXXX XXXX is reporting on my credit false information. I have proof from screenshot of my XXXX XXXX  report & XXXX XXXX letter to me. Dates not matching, Experian and XXXX   states account was open XXXX but XXXX XXXX clearly typed letter saying the account was opened 15 days later which was XXXX. I feel they all are taking advantage of me and future of my credit. Please help me.
Consumer complaint received 2020-07-14
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: Convergent Resources, Inc. (SC)

Convergant Outsourcing is reporting on my credit false information. I have proof from screenshot of my XXXX XXXX report & Convergant Outsourcing letter to me. Dates not matching, XXXX  and XXXX  states account was open XXXX but Convergant Outsourcing clearly typed letter saying the account was opened 15 days later which was XXXX. I feel they all are taking advantage of me and future of my credit. Please help me.
Consumer complaint received 2017-01-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Flagstar Bank, N.A. (MN)

I would like to split my monthly payments into two payments per month fulfilling the total monthly amount. The Bank will not accept partial payments. The offer was to participate in a program whereby there is an automatic deduction from my bank account on a bimonthly basis. I do not want to participate in this program since there are 2-3 additional payments incurred throughout the year as a result of some months having five weeks. I would rather pay on my own and have the bank accept my partial payments throughout the year, meanwhile fulfilling my monthly obligations as I choose. My intention is to use a voluntary prepayment schedule as to take advantage of minimizing the interest accrual.
Consumer complaint received 2023-01-26
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with the Fair Credit Reporting act the aforementioned accounts have violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 166b A Creditor May not treat a payment on a credit card account late under an open ended consumer credit plan for any reason. 

Refuse to block information resulting from identity theft Refused to send proof of validation of debt and full details of the supposed investigation.
Consumer complaint received 2018-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MA)

I put a freeze on a number of years ago and need to temporarily remove it because a potential employer needs to pull my credit. My issue is equifax, I do not know my PIN and can not retrieve it or get the freeze lifted. 

Its clear that the credit bureau does not benefit from a freeze, its clear they are making the system impossible to navigate so people will not use it. I can not get the PIN, I have started 4 chats but there is no rep to chat with, a dead line. 

I want to file a formal complaint for fraud because I have paid for the freeze which is a contractual service paid for an expected. they are not providing that service and also making the service so impossible to navigate that they want people to remove it. 

The payment for a service and not providing it is fraud. I want to file a complaint of fraud on the president and CEO of equifax personally
Consumer complaint received 2020-12-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENTAGON FEDERAL CREDIT UNION (NC)

I did not see my automatic payment come out of my account in XXXX, so I emailed them. Pentagon Federal said I had paid them. I knew this draft did not occur so I called them. They said it was fine, paid. 

I called them again after I noticed it was reversed. They said I had the wrong number in for the account, and that they would correct it. 

The payment went through but again was reversed. I called again today XX/XX/XXXX and they think they have my XXXX payment correct but still are working on my XXXX payment. Both the latest attempt to pay XXXX and XXXX were reversed XX/XX/XXXX.
Consumer complaint received 2020-07-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WEBSTER BANK, NATIONAL ASSOCIATION (WA)

XXXX XXXX, a division of Webster Bank, N.A., instituted a policy to require XXXX USD dollars to be present in the saving account at all times. They have added a restriction which prevents transfers that would bring the balance below a XXXX USD. In effect, they have limited my and others access to these funds without due cause to myself or to any other account holder.
Consumer complaint received 2016-11-19
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc (CT)

Paypal denied my fraud claim for a fraudulent transaction on XX/XX/XXXX in the amount of XXXX. Paypal claims I previously submitted an e-check in the same amount to same person, which is a lie, I explained to rep that whomever did the transaction had previously attempted it differently using an e-check but that was canceled prior, then sent directly from Paypal balance. This was done so I am unable to dispute the transaction as a purchase, I also explained this to Paypal rep ( s ). The person the funds were sent to. XXXX XXXX, has not responded to my emails and I absolutely do not know this person. I suggested to Paypal rep ( s ) that the transaction be reversed out of the persons account ASAP. However, they have not complied and will not credit my account back. I have also explained that someone also hacked into my XXXX account prior, I was advised via email by XXXX to change my password. I think the same person ( s ) may have also hacked into Paypal account. I did change password and added extra security as suggested by Paypal rep, however, they have done little to nothing to get funds back
Consumer complaint received 2016-10-10
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO. (IL)

I applied for a Chase Sapphire Reserve credit card in a Chase branch. However, the banker submitted an application for a Sapphire Preferred tier card instead. Additionally, I have ended up with several Chase credit cards but I only wish to carry XXXX so I would like Chase to 1 ) fix the Sapphire error by replacing my Preferred card with the Reserve card I applied for and 2 ) move the credit limit of all my Chase credit card accounts to the reserve card and close all other accounts but 3 ) before consolidating credit lines and closing accounts, please confirm that I will not lose any reward points accumulated on those accounts ... .in other words, since I will keep a reserve card active, all my existing points will stay as-is.
Consumer complaint received 2019-05-14
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capital Credit and Collection Service, Inc. (OR)

Hello, I called on XX/XX/2019 to resolve a debt & find a solution, the call ended at XXXX XXXX. I tried to explain I wanted to pay them back. XXXX, the supposed " supervisor '' kept lecturing me that I made an agreement & that I let this happen. Advised me they couldn't do anything unless I paid a lump sum of the loan, that then she could offer a discount. That's not so much my problem, but I continued to tell her that " where would I even find that money '', she responded that she didn't know me that it clearly wasn't her problem, how this was the only way to get a discount. At that point, I became frustrated because she continued to belittle me & it felt as she was laughing at the situation. I let her know she was coming off rude and that it was very unprofessional, counterproductive too. That I wanted to find a solution and that this conversation had turned into a lecture of thing I already know. I already know it was my responsibility to adhere to the bank agreement. I would have preferred to find some sort of payment plan, which I asked her if I made payments and then got my balance down if I could eventually find some sort of discount for the debt I have. She ignored that questions. Then argued with me about her being rude and unprofessional. Continuously interrupting me to the point I felt very disrespected. When I requested to speak to the manager, she said there was no one else and that I could talk to the owner. But, refused to transfer me & also refused to give me anything other than her first name. Told me she was the one in charged & then hung up on me. Following that I attempted to recall & another employee again told me they heard her talking to me and said that she didn't do or act rude to me. He also laughed, then transferred me to the supposed owners voicemail saying he wouldn't be in until the afternoon. The voicemail had no features of identification, so I'm still not sure if they even did that. Hands down the most rude and violated feeling.
Consumer complaint received 2024-03-24
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (MN)

XX/XX/XXXX Signed month to month lease with XXXX XXXX, at the time owned by XXXX XXXX XXXX, for car parking space. This included payment of security deposit. 
XX/XX/XXXX Provided notice of intent to vacate in 30 days via online portal, as required by leasing agreement. 
XX/XX/XXXX Paid prorated months amount for portion of rent due through XX/XX/XXXX through online portal, as indicated by XXXX XXXX  at XXXX XXXX ( XXXX XXXX ). For this payment, new portal was used due to XXXX having purchased the property at some point during our lease. 
XX/XX/XXXX Vacated, returned key fob to XXXX XXXX, XXXX property management staff, in person at XXXX XXXX. XXXX confirmed security deposit of {$100.00} would be refunded via check by mail. This payment has not yet been received. 
XX/XX/XXXX Received move out statement from XXXX with incorrect balance of {$42.00} claimed. No detail was provided as to what the {$42.00} was in relation to. 
XX/XX/XXXX Contacted XXXX XXXX via e-mail, detailing all payment charges and history, indicating that {$100.00} was owed to me and that the {$42.00} claimed as due to them was incorrect. 
XX/XX/XXXX Received e-mail from XXXX XXXX confirming that all money claimed as owed to them was an error, that the debt would be cleared, and I would still receive check for {$100.00} deposit still owned to me ( attached ). Received no further bills. {$100.00} security deposit has still not been returned. 
XX/XX/XXXX - Received notice of debt collection for {$42.00} from Columbia Debt Recovery/Genesis . 
XX/XX/XXXX - E-mailed Columbia Debt Recovery requesting proof of license to collect debt, registered agent, as well as detailed debt information ( attached ). Never received proof of license to collect debt or registered agent. 
XX/XX/XXXX - Received e-mail only re-stating alleged debt amount and saying it was a debt to XXXX XXXX, with no information on what the claimed debt charge was for. 
XX/XX/XXXX - E-mailed again requesting response to previous request. Provided documentation from XXXX XXXX proving that no debt was owed, that XXXX XXXX XXXX confirmed that no debt was owed, and that in fact XXXX XXXX was attempting to refund {$100.00} owed to me by XXXX XXXX. 
XX/XX/XXXX - Received automated response from Columbia Debt Recovery confirming receipt of letter. 
XX/XX/XXXX - Sent a follow-up letter to Columbia Debt Recovery requesting reply within 5 days due to previous non-response. 
XX/XX/XXXX - Received automatic reply from Columbia Debt Recovery confirming receipt of letter received. No further response has been received to this date and we still have not received {$100.00} deposit refund owed to me.
Consumer complaint received 2023-02-15
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: JPMORGAN CHASE & CO. (GA)

I reached out to Chase Bank about their actions of sharing my non public personal information with others is a inconvenience and has hindered me from obtaining more credit. I sent an letter to Chase Bank about their actions and no change of actions have occurred.
Consumer complaint received 2019-05-14
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: Experian Information Solutions Inc. (GA)

I recently applied for a person loan to start my new business. Long story short I wasn't approved so it prompt me to check my credit report. I see items on my credit report that are not mine. These items are not mine and I need these items removed from my credit report. I've contacted the FTC and the police and I'm doing this myself. XXXX XXXX, XXXX, XXXX, XXXX. Inquiries : XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX, XXXX XXXX
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I've been a victim of identity theft. There are several accounts in my credit report that I do not recognize to be mine. After doing a research, I learned that my personal information was compromised in the dark web through different data breaches in repeated occasions. My information is being sold without my permission, I've tried to complain regarding this issue with the credit reporting agencies, I tried reaching out to the companies and file a Identity Theft Report but the issue remains unresolved. I need additional help having this situation sorted out. The following accounts reporting on my credit report do not belong to me : XXXX XXXX with the amount of {$27000.00}, XXXX XXXX with the amount of {$76000.00}.