davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-31
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. (MA)

How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified Hows it possible that youve reported me 90 days late with no late payments prior to that? Also, wasn't XXXX  student loan servicer was sued for not applying payments to consumers accounts correctly. I was never late and this account needs to be removed.
Consumer complaint received 2020-11-01
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. (IL)

On XX/XX/2020 i disputed an account ( XXXX XXXX ). In the results of Transunion first investigation with Account ( XXXX XXXX ), Transunion stated in writing that they verified that this item ( XXXX XXXX ) is being reported correctly? with SEVERAL INCONSISTENCIES ( shown in attachment ) reported on this account how could you verify it? Who verified this account? This is not a request for VERIFICATION or proof of mailing address but a request for VALIDATION made pursuant to the above-named Title and Section. Now, I respectfully request that Transunion provide me with competent evidence with an original contract/agreement, the promissory note between Consumer and original creditor, bearing Consumer wet-ink signature.
Consumer complaint received 2020-06-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (NC)

My company where I have recently joined uses XXXX  software, which is a cloud-based payroll software to make payments to its employees in the US. When I try to link my PNC account with the XXXX   software, a notification message pop-ups on the screen saying that PNC Bank has made changes that prevent me from linking the account with this software. My company has been trying to solve this issue, but they are unable to do so. 

Kindly solve this issue and help me link my account with XXXX  software to receive my salary swiftly. 

Thank you
Consumer complaint received 2021-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc. (GA)

called collection company, which is not the original creditor, and informed them that this bill was part of the hospital bill, either XXXX XXXX or XXXX XXXX XXXX XXXX XXXX, and these bills were paid by Dept of Veterans Affairs, also when the hospital accepst payment the entire bill is considered payed in full. the XXXX XXXX who is the origanal creditor only received what the hospital disbused to them. but me the Veteran is not liable for any charges, being the original creditor was contracted to the hospital .so this bill should not be put on my credit report as a charge off .and the date of service was last year in XXXX, not this year in XXXX.
Consumer complaint received 2020-11-01
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2100.00}, {$8500.00}, {$2300.00}, {$5000.00}, {$0.00}, {$3300.00}, {$1700.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5000.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account. 

7. XXXX XX/XX/XXXX/XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account. 


-- AUTO ACCOUNT 8. XXXX XXXX XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have requested from XXXX, XXXX and transunioun signed documentation of the original debtor and date as well as documentation of validation on three seperate occasions and it was never provided as well as my personal information is incorrect
Consumer complaint received 2020-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (WA)

Since XX/XX/2020, I have contacted Comenity Bank 13 times in writing and multiple phone calls to request that an amount of {$250.00} be reimbursed after it was incorrectly withdrawn from my XXXX checking. It occurred after a canceled payment in the XXXX XXXX XXXX  in XXXX Washington. 

I was able to obtain a copy of the canceled transaction receipt for the attempted payment on XX/XX/2020, of {$250.00} from the XXXX XXXX XXXX in XXXX, Washington. I sent them a copy as well that shows the transaction status states CANCELED, and then further down it states, " The aureus response text : DECLINED '' And the reason " Payments can not be made on a MasterCard account until a customer has received and activated their physical card, '' was given. I had not, in fact, received a physical card at that point. 

I also sent them a letter from my credit union, XXXX affirming that the transaction posted to my account and the funds of {$250.00} had been removed from my checking. The official letter gives the date, the time the transaction was initiated, as well as the trace number. 

I have submitted everything Comenity Bank has requested and still have yet to get the problem resolved. It has been going on for almost 8 months now. I have requested that the amount either be applied to my account or refunded back to my bank since I made a second payment of the exact amount from XXXX XXXX XXXX XXXX on XX/XX/2020 that was correctly applied by Comenity Bank on XX/XX/XXXX.
Consumer complaint received 2020-10-31
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: AFNI INC. (OH)

Looking over my credit report and noticed there was an account that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following account is listed below : XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX
Consumer complaint received 2019-10-30
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mr. Cooper Group Inc. (IL)

There are forged Promissory Note signature page which has been brought to Mr. Coopers attention and they simply deny any understanding of the differences. Please explain the differences between the XXXX documentation I am providing and Mr. Coopers documentation.
Consumer complaint received 2021-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (KY)

I requested a credit balance refund for my XXXX XXXX on XX/XX/XXXX. I was told I needed to send in proof of payments that were made on XXXX and XX/XX/XXXX. I was told to send them via Secure message which I did on XX/XX/XXXX. I received confirmation that my documentation was received on XX/XX/XXXX. 

On XX/XX/XXXX I asked support what the status on my refund check was. I was told that the request was denied as they needed to receive proof of the payments. I told them that I sent in proof of the payments on XX/XX/XXXX. I was told they they could not access them as they were customer support.
Consumer complaint received 2020-06-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

Background Information : My bank statements verify that I purchased this home in XXXX and have never missed a payment. Loan service provider at that time removed the XX/XX/XXXX payment to a suspense account to partially repay wrongfully deducted hazard insurance. The error was reversed and no further funds were withdrawn from payments. But the removed funds were never returned, incurring delinquency charges that I have never paid. Because of the error and improper late fees, my account consistently appears to be one month behind, even though I have never missed a payment. I sent multiple letters to the original servicer and to each subsequent servicer, providing documentation and explaining what had happened. Each company stated that the problem had been resolved, however I continued to be charged fees that I would never have incurred without the unapproved home insurance payment. 

A new service company assumed responsibility on XX/XX/XXXX. I wrote to them in XX/XX/XXXX affirming my position. They answered in XX/XX/XXXX that there was no discrepancy after reviewing records from XXXX to XXXX with the attached records showing no late payment. I would have to pay {$9100.00} immediately. 

The current issue and reason for this complaint : A recorded phone conversation to servicing on XX/XX/XXXX informed the service company that I would be paying principal and fees separately and asked for these two amounts on that day and routing numbers. On XX/XX/XXXX I wired {$270000.00} to the company with an expectation that the funds would be applied. On XX/XX/XXXX they returned that amount to my savings account, with no explanation why the payment was returned. I wired the funds a second time on XX/XX/XXXX and closed the savings account. On XX/XX/XXXX I received a notice of default with intent to accelerate and notice to initiate foreclosure on XX/XX/XXXX. I sent the late fees, {$9400.00}, on XX/XX/XXXX. That same day I sent the sum of {$3400.00}, a miscalculation of the interest on the principle for XXXX, XXXX and XXXX. The real figure was {$340000.00}. They accepted these funds as reflected in the XXXX billing. With the principal in hand, fees paid, and false interest tolerated, I had hoped that they would be satisfied. The principal was returned on XX/XX/XXXX, two months after the funds were wired to PHH, again with no explanation why the payment was being returned. XXXX XXXX applied the funds to my checking account. I rewired the principal to the servicing agency on XX/XX/XXXX. The principal was returned to my checking account on XX/XX/XXXX without explanation.
Consumer complaint received 2021-04-08
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (PA)

I originally contacted my mortgage company PennyMac XX/XX/2021 regarding a refinancing of my current mortgage. I have had my home for 10 years and wanted to refinance the remaining 20 years of my mortgage. 

I was told based on my credit score I was eligible for a 2.25 % re-fi FHA and closing costs would be approximately {$500.00}. 

Each time they requested documents I had to supply them within 24-48 hours and I complied even though the requests were made late on Thursday nights. 

Aside from the requests for information there was little communication with them. When the process was approaching 60 days I requested an update several times wanting to know why it was taking so long and no response was received. On XX/XX/2021 I received information that they had identified {$900.00} in my checking account for closing costs and another {$250.00} was needed. When I questioned what the closing costs were really based on because it did not seem right to be based on my available funds no response or explanation was given. Nor did anyone respond with an explanation as to why the process was taking so long. XX/XX/2021 I received an email that indicated there was information needed on my account. When I logged in there was a document request dated for XX/XX/2021 stating {$900.00} had been identified as available for closing and an additional {$600.00} was now needed. How does this happen? Why did the closing costs go up? Why the different dates going backwards on the request? Still no explanation as to why the closing costs were much higher than stated or why the process was nearing 90 days. I had been with this company for many years and never late on a payment. There was no pending inspection or appraisal but no one would answer my questions.
Consumer complaint received 2021-04-08
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: Experian Information Solutions Inc. (AZ)

In XXXX of 2020 I placed a freeze on my credit score. At that time my XXXX credit card was removed from my account by Experian. In XXXX of 2020 I applied for a mortgage which I was refused numerous times by numerous lenders. I have been told repeatedly that I have no FICO score. After contacting Experian in XXXX I have complied with each and every requirement they insisted on. Experian refuses to reestablish my 30 year credit history with XXXX. We have been in contact with Experian numerous times since XXXX XXXX has sent them all requested information. Experian continues to request more information which has already been sent to them. They have assured me numerous times that everything would be taken care of in 7 days. It has now been 5 months and I am still unable to qualify for a mortgage. My FICO score in XXXX of 2020 was XXXX. Experian continues to refuse to reinstate my FICO score until they receive more information which they have already been given. I have requested to speak to a supervisor and been told there are none available.
Consumer complaint received 2019-10-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (MI)

I am contacting you today because Citi Bank is reporting my account history on my credit report incorrectly. After applying for a home mortgage I took a look at a recent copy of my credit report and saw that Citi Bank is reporting that I was 30 days past due in the months of XX/XX/2014 and XX/XX/2014 which I know is inaccurate ( please see an attached screen shot of the account on my credit report ). I have been a card holder with Citi Bank for over 20 years with never a late payment on my account. I am requesting that Citi Bank removes the late payments reporting on this account for the months of XX/XX/XXXX and XX/XX/2014 from XXXX, XXXX, XXXX  and any other credit reporting agency they have reported this account.
Consumer complaint received 2021-04-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (PA)

When I bought this car it was priced at {$9900.00}. I had to apply for an auto loan with Ally Financial. At this time they added GAP coverage to the loan for an additional {$2300.00}. the car came out to {$12000.00}. I put down {$4000.00} cash. which should of brought my car to {$8000.00} as the actual financing price. 3 months into my loan i learned the real value of my car and decided to cancel GAP insurance. {$2000.00} was refunded back to my Ally financial loan. With this activity alone, my loan balance should be below {$5700.00}. I FINANCED MY CAR XX/XX/2018. I have made over {$4500.00} in payments. YET MY BALANCE on my car is over {$6000.00}. ALLY financial is keeping every payment and adding it towards " Interest ''. All these payments, cash down, refund of gap insurance should have my balance close to {$1200.00}!!! PLEASE HELP ME AND DEMAND THEY STOP THIS AT ONCE. For 3 years I have been making payments. But my balance keeps going up instead of down. PLEASE HELP ME!!!!! Than they repossessed my car and charged me {$1200.00} to get it back. {$800.00} toward 4 arrear payments ( DUE TO COVID-19 ) and {$400.00} in fees. Out of the {$800.00} payment only {$550.00} went to the the car and Ally kept {$280.00} for additional fees, Plusss the {$400.00} IN FEES this is {$700.00} in fees and only {$500.00} went towards my arrears. PLEASE STOP THEM! I have all the paper work on this car from the day I bought it. To show proof of the sale price and money down! plus gap insurance receipt.
Consumer complaint received 2019-10-30
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (TX)

We have been receiving daily robocalls, for at least two weeks ( as of XX/XX/2019 ), usually between XXXX and XXXX in the afternoon, from Pioneer Credit Recovery, claiming that they are calling about debt collection. There are a number of things about the call that scream 'scam ' to me - too many to list here. 

The call is always the same recording, whether I answer or if I let it go to voicemail. There are no specifics, but always a statement that I need to call them back at an 800-number.  There is no ability to connect to a real person when I answer the call We have no unpaid debts, and our credit is golden. This is definitely a scam, and has risen to the level of harassment. 

The call is always from the phone number XXXX. The call-back number is always XXXX
Consumer complaint received 2021-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I have been sending letters to equifax for almost a year to remove inaccurate information from my reports. The inaccurate information was removed from XXXX  and XXXX over a year ago but Equifax still has not removed it and will not send me a response. This is hindering me from opening a bank account, getting approved for accounts and I sent several letters to them letting them know the information they are reporting for me is inaccurate.
Consumer complaint received 2020-12-09
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (OR)

XXXX XXXX XXXX totaled. Kia Finance requested {$14000.00} to guarantee title to insurance company. ( Payoff was {$1800.00}. ) Insurance co sent check for {$14000.00}. Checked received by Kia Finance XX/XX/XXXX. I am owed {$12000.00} by Kia Finance. My refund check is still " pending '' with Kia Finance. I have called their customer service several times regarding this with no satisfaction.
Consumer complaint received 2020-08-31
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. (MA)

Good morning ; How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts all my student loans accounts. I disputed this account and nothing was sent to me to legally verify the accuracy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified Hows it possible that youve reported me 90 days late with no late payments prior to that? Also, wasn't XXXX   student loan servicer was sued for not applying payments to consumers accounts correctly. I was never late and this account needs to be removed.
Consumer complaint received 2020-08-31
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. (MA)

Good morning ; How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts all my student loans accounts. I disputed this account and nothing was sent to me to legally verify the accuracy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified Hows it possible that youve reported me 90 days late with no late payments prior to that? Also, wasn't XXXX   student loan servicer was sued for not applying payments to consumers accounts correctly. I was never late and this account needs to be removed.
Consumer complaint received 2021-10-15
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION (VA)

I applied HELOC with Pentagon Federal Credit Union and they start process few months ago and at the end after conditional approval, they told me to submit extra insurance as a second lien and my insurance can't increase my insurance because it is illegal to do so. They still keep sending me email until XX/XX/21 to get extra insurance to give me HELOC. If you need the email correspondence, I can forward to your organization. Please find attached email correspondence for your review.