davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (AZ)

I bought a house thought XXXX XXXX Bank Home Mortgage on XX/XX/XXXX, on XXXX XXXX XXXX XXXX, XXXX AZ XXXX, they set up a bi-weekly payment for 2 payments {$500.00} each, every 1st of the month and every 15th and I was never late.. all of a sudden I received a letter from US BAnk XXXX stating that the loan was sold to XXXX Home Mortgage. I called USbank today ( XX/XX/17 ) to find out what was going on and to set up and continue the bi-weekly payment, I found out that they did n't have the cell phone number I have for 12 years, but one really off and no email address on file. Therefore I was never contacted. They said that they do n't have bi-weekly payments and that my due date for the full amount {$1000.00} is on XX/XX/XXXX .... Since this took me by surprise I ask them for a month period of grace to start fresh and be able to pay on time. They denied me that grace period. i do n't have the full amount because I have all my bills set up in a way that i divide them between theXX/XX/XXXXhecks I receive from work ... I will be late on my mortgage and I making a complain because : 1- they did n't notify me. 2- USbank did n't have my information on file. Therefore they owe me at least a month period to came up with the full amount and do n't be late ... My name is XXXX XXXX cell ( XXXX XXXX XXXX. USbank loan # XXXX
Consumer complaint received 2018-10-01
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: Experian Information Solutions Inc. (GA)

Reporting on Experian & XXXX XXXX XX/XX/XXXX 30 day late For the last 15 yrs. I have made my payment via phone to XXXX Card. I do this because it is free, easy, and I have confirmation that my payment has been received. Just as I do every time with XXXX I called to their automated system to make a payment. However, on this particular-occasion XXXX interrupted the call with a live customer service person that wanted to sell me on a balance transfer. I respectfully declined and stated I wanted to just make a pmt. She replied that she would be happy to help me, so we moved forward with the process. Normally the automated system would prom me if I want to make the pmt. from an already existing checking account which is what I do every time. But because the customer service person was prompted this avenue wasnt available to me. Therefore, I had to recall my checking account number and give to her directly. Which is what I did and was given a confirmation number. 
In XX/XX/XXXX because I am an owner of mortgage company my warehouse banks pull my personal credit on a quarterly basis. One of my warehouse banks alerted me to the fact that XXXX reported me 30 days late on XX/XX/XXXX. I immediately called XXXX and apparently my recall of my checking account was missing the first 4 digits and the payment was never made. I went up the customer service channel and explained to them that I never been late on any account for the last 25 yrs. I also explained to them on what exactly had had happened and asked them why if I missed 4 digits would I then receive a pmt. confirmation number? They totally understood and stated they would give me a letter stating that I made the XX/XX/XXXX payment on time. Which is exactly what I uploaded to Experian in my prior dispute. Now that it has come to this I want proof from XXXX of my late. As I called in to make the payment on time and received confirmation of it.
Consumer complaint received 2018-10-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC (FL)

On XX/XX/XXXX, XXXX XXXX XXXX posted XXXX $ for collection on XXXX and XXXX. Dispute is in progress with XXXX  but at XXXX, I cant even verify its me. It says i have autoloans i opened, mortgages and student loans. I answered truthfully with none of above and they say the information is incorrect! Theres hard inquiries on XXXX as XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX.
Consumer complaint received 2020-10-24
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. (SC)

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORT ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX FOR MY XXXX XXXX ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. 
IT WOULD HELP ME IMMENSELY IF YOU COULD GIVE ME A SECOND CHANCE AND MAKE A GOODWILL ADJUSTMENT TO REMOVE THE LATE PAYMENTS.
Consumer complaint received 2020-04-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (CO)

ENHANCED RECOVERY Recent balance {$5300.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Original creditor XXXX Type Collection Terms 1 Months On record until XX/XX/XXXX Credit limit or original amount {$5300.00} High balance $ XXXX Monthly payment {$0.00} Recent payment amount {$0.00} Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual I have no idea why this would be on my credit plus the amount is unrecognizable. I've never owed that to any company.
Consumer complaint received 2018-10-01
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: SECURITY FINANCE CORP (SC)

on Today XX/XX/18 my grandmother who is a reference on my account they called her and discussed my balance on my account. I know that they aren't supposed to release any of that information but they can call and ask for an updated address or phone number. However, once I called the representative that told my grandmother this information she states she only told since my grandmother asked but I told her I don't care because she still should not have disclosed it due to it not being her account. I think got transferred to the manager she told me that I am not telling the truth that my grandmother told them the amount of my loan. I am like how can she know the amount if I didn't tell her and she was speaking to your representative that stated she told only because my grandmother ask, no way possible for her to know the exact amount of the loan. I also advised that I get numerous calls she told me that's false she only calls me once a day. I said ma'am I get a call from XXXX at least twice a day and one from her each day. I told her I could show her my voicemails but she told me she isn't hear to discuss that just the payment of my loan. so I asked her not to call me or my grandmother any more. I spoke to the assistant manager XXXX an made a payment and he told me the payment wouldn't be due until the XXXX of each month. granted I am behind and did mention I would pay it and I said I would go ahead and make 2 payments this month well I forgot on Friday due to death and on Monday today XX/XX/18 woke up to 4 voicemails and then a call from my grandmother. she told me since I'm late they can call me about it as much as they would like until I'm caught up.
Consumer complaint received 2024-03-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC (IN)

I have been making payments on this bill once a month of various amounts. I thought as long as you were making payments of any sort that would keep it from going to collections. The following are the payments that I have made to this medical facility. 
Date of XXXX XXXX Visit at XXXX XXXX XXXX : XX/XX/XXXX Payments : XX/XX/XXXX - {$50.00} XX/XX/XXXX - {$75.00} XX/XX/XXXX - {$75.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$30.00} I can only pay a chunk at a time. This should not have been sent to collections, because they are receiving payments from me.
Consumer complaint received 2020-07-28
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)

On XX/XX/2020 I sent via certified mail, deliver receipt to advise that two accounts with this bank listed on my credit report were fraudulent. This company failed to remove although cfpb complaint, police report with account listed, notarized affidavit were received. This company is acting in excess of the law. I sent a follow up letter on XX/XX/2020 demanding they comply with the law.
Consumer complaint received 2020-04-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (DE)

On XX/XX/XXXXI send money from one account of my to another on the attached documents it says it was sent I never receive it I called they transfer me to a fraudulent department to answer some questions where the money came from and where it was going XXXX questions that I I answer that was really none of their business then they said we are going to release the funds then all on a sudden the system crashes and I would have to wait 48 hours so I called Monday they I have to wait another 48 hours Wednesday same thing Friday same thing Same thing I called this Sunday they said 24 hours when I call tomorrow it will be the same I put a complaint in with my bank, XXXX, and the the two companies they have on the bottom of this attachment
Consumer complaint received 2018-10-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (NY)

XXXX XXXX put collection on my credit reports without my knowledge and in doing so, this violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. Plus there is NO verification from the LA Secretary of State that they are registered in Louisiana which is also against the FDCPA! 

I request that XXXX XXXX verify the following information. 
1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. 

If XXXX XXXX XXXX is unable to provide the above identifying account information, this account must be deleted from all CRAs. 

XXXX XXXX XXXX also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law. There was no prior knowledge of debt until XXXX alerted me to it. No contact has ever been made.
Consumer complaint received 2018-10-01
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: Experian Information Solutions Inc. (TX)

XXXX is appearing on my credit file that you maintain under my social. I have contacted XXXX 3 different times certified mail and have yet to get anything to validate this account. How is it possible for to verify this account and they are not validating it with me? This company is reporting inaccurate information and cant provide proof bearing my signature that 'i had any contract with them or any company that they represent. Please remove this from my credit file immediately.
Consumer complaint received 2018-10-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aargon Agency, Inc. (LA)

I was checking my credit report and saw i had a collection account with this company, I've never had any dealing with this company. I've different tactics such as a debt validation letter asking them to provide my signature as well as with me giving my permission to share my information with a third party as well as contacting them to remove this negative reporting item from my credit report and I've received no solution
Consumer complaint received 2021-05-19
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: R.T.R. Financial Services, Inc. (NY)

I received an initial letter from RTR Financial Services dated XX/XX/XXXX alleging I owed a medical debt. I sent a debt verification letter dated XX/XX/XXXX and received a reply dated XX/XX/XXXX enclosing an " itemized bill '' which showed amounts that did not foot, with a note across the bill saying " This bill is true and correct and each of the items shown hereon was necessarily furnished or supplied and the amounts charged therefore are the fair and reasonable value ''. Due to this bill not totaling to the amounts shown, and it does not look to be a proper bill from the hospital, I replied to this letter. The letter I sent back was dated XX/XX/XXXX ( received by RTR Financial Services on XX/XX/XXXX ), where I stated this reply did not validate the debt, and to also cease ALL contact with me. All contact was to cease via USPS, and via phone calls, specifically stating to not call my cell phone also. 

Today, XX/XX/XXXX, I received a call from a RTR Financial Services representative to attempt to explain the debt to me. I told them I do not know what this debt is for, and that I wrote back to them two times about it already and have return receipts to show they received the bill. I also stated that I said to not contact me and this call is a violation of the FDCPA. I stated for their recorded line to not contact me further about this debt. 

This complaint is to report the violation of the FDCPA, as shown below : ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except -- ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 

If such notice from the consumer is made by mail, notification shall be complete upon receipt. 

The call they made did not meet any of the criteria in numbers 1 - 3 above. The call was to explain the debt to me which violated my do not contact request.
Consumer complaint received 2021-04-06
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: SANTANDER BANK, NATIONAL ASSOCIATION (PA)

My Bank has not resolved my claim ; I was charged {$100.00} since I was a victim of a fraudulent transaction. I made the claim through my bank and they responded that my claim was not valid. They were not able to provide documentation to prove that the transaction was valid even though in my credit card the transaction was located in XXXX which I have never been there. How come is possible that my Bank did not support its customers and proceed to pay these people who are thieves and clearly are taking advantage of vulnerable people?
Consumer complaint received 2020-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: PNC Bank N.A. (KY)

PNC points VISA PNC Bank Credit Card XXXXXXXXXXXXXXXX balance now over XXXX on a XXXX limit. Had tried closing the account at XXXX balance but they never allowed it to close and problem person used credit card. 

help please.they will not close the account even when it was at {$1200.00}. I have repeatedly asked them to close it and they say they are but do not take action, then try jacking up the credit card even further.
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (SC)

I had an old debt owed to American Express. I recovered financially and wanted to pay off and clear my old debt. An " American Express Debt Collection '' company ( authorized to use the AMEX logos and represented as an agent of American Express ) looked up my employer phone number and repeated started calling my workplace. Repeatedly they had the receptionist " page the whole office '' to get me on the phone. This caused me very real conflict with my Broker in Charge and potentially jeopardized my license to do business as we have a fiduciary duty to the public and debt collectors calling and paging me at work is ILLEGAL. 
Because of this stress, duress, I called American Express and PAID A FULL SETTLEMENT they asked for to clear the debt and credit reports. 
American Express did not settle or clear the debt as agreed. When disputed, they also then reported the TOTAL DEBT and did not account for ANY OF MY PAYMENT. 
NOTE : this debt was very old, near the 7 year expiration, but I worked in good faith to try and settle. 
Now, they have sent me a tax form that I owe them money or have a credit I must report for the difference THEY AGREED TO. 
I was mislead, and they have broken various collection rules in this process. 
I would like this all REMOVED FROM MY CREDIT report at this stage as I have tried, and tried, all reasonable steps to work with them and they are being very unfair about handling this long past account.
Consumer complaint received 2022-08-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION (TN)

XX/XX/XXXX - Around XXXX I checked an old email account. I received XXXX emails : XXXX at XXXX stating " a user ID was created and associated with your account ( XXXX ) on : Date : XX/XX/XXXX XXXX XXXX ET " with Truist Bank ; XXXX XXXX at XXXX with new account summary information regarding my new accounts : Truist XXXX Checking # # # # and Truist XXXX Savings # # # #. 

I called the financial institution 's hotline and was transferred to an automated answering system. I decided to look up the nearest Truist Bank. At the time, I had never heard of Truist Bank. I then went to the nearest Truist Bank and explained the situation. They confirmed that a checking and savings account had been opened in my name. I then spoke with an account XXXX who confirmed that the XXXX accounts had been opened using my name, birth date, social security number, old mailing address and a rarely used email account. He was able to confirm that the accounts were opened online in the state of Tennessee. He closed the accounts and advised me to call XXXX, XXXX and XXXX to freeze all accounts. I have since contacted all bureaus and requested hard copies of my credit report from XXXX of the XXXX agencies. I have also begun calling all open lines of credit to inform them of the situation and have requested all new cards.
Consumer complaint received 2020-10-23
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. (NY)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2018-10-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

On XX/XX/2018 my XXXX XXXX premier account ( account # XXXX ) had been hacked, and being illegally transferred out twice ( {$2800.00} & {$6200.00} ). I noticed the same day while I was in XXXX, I called HSBC Premier customer service line ( XXXX ) I was being switched to HSBC fraud department. All my XXXX XXXX accounts ( premier, saving, checking, business and credit accounts ) were suspended. I could not log into my account online anymore. I came back to New York on XX/XX/2018, went to HSBC XXXX branch to learn that my account was being hacked many times since I reported. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, hacker came in and transferred money out freely. 
On XX/XX/2018, I filed a complaint with CFPB because I was in XXXX could not get response from HSBC. The complaint number is : XXXX. I received your letter 2 days ago telling me that this complaint is closed. My money is not recovered completely yet. HSBC efraud team refused my phone calls several times, they asked me to branch, when I went to HSBC several branches and I was told to contact my account manager. My personal account manager left HSBC more than 2 months ago, but on their system my account manager is still he.
Consumer complaint received 2023-04-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (OH)

My mortgage was bought by PNC Mortgage from my previous company. After receiving a tax abatement, I sent materials to PNC Mortgage to have my escrow adjusted and alter my payments. I had, when visiting a branch to get my account set up, did a physical form for automatic payments ( in XX/XX/2022 ). 

Now in XXXX of 2022, I called to cancel that automatic payment since I an unable to cancel online what was submitted by physical form & fax. I was promised on two separate occasions that this old automatic payment was cancelled and I was instructed how to go about setting up a new one that is available on their Online Banking. 

It turns out that the rep only paused, not cancelled my automatic payment, without my knowledge. So I had set up a new payment. This means that PNC Mortgage has deducted TWO payments from my checking account and can not provide immediate relief of that second payment, opting to mail a check. As you can imagine, a mortgage is my single largest bill, so it's not like I can float that money until they snail mail me a check. 

However, had I not paid, I would receive fees. PNC Mortgage refuses to issue any sort of compensation or reimbursement for the issue and has not provided an adequate way to send the payment back immediately. 

AVOID PNC MORTGAGE AT ALL COSTS.
Consumer complaint received 2021-04-06
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Direct Recovery Services, LLC (CA)

Direct Recovery Services contacted my Employer and left a voicemail on XX/XX/21 at XXXX XXXX on my Employers General Mail Box that is checked by various receptionists, and there message was VERY detailed but mentioning the EXACT amount of my debt, as well as optional payment amounts for settlement. This was VERY EMBARRASSING AND INVASIVE as again, this was left on my Employers general mailbox where numerous people/employees have access too.