davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OH)

XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XXXX I reviewed my credit report and I see that my name is misspelled XXXX XXXX XXXX is the correct spelling in my name ( XXXX XXXX is not my name, please delete ) I have to start a reinvestigation on my file I see addresses and phone numbers that are not mine. I do not live at the following addresses please delete : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following phone numbers are not mine please delete : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX. 
I do not know how this works, but I need it done or somehow corrected. 
I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRAsection 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. 
XXXX XXXX # XXXX account is reporting 30,60 DAYS LATE sinceXX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.
Consumer complaint received 2021-02-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

I received notifications on XX/XX/2021 and XX/XX/2021 that there were changes to my credit. When I checked, I saw two collections accounts that I do not recognize from a company that I have no dealing with. I have received no notifications, especially written ones, regarding these accounts from Portfolio Recovery. I disputed the collections accounts. They have not been validated. Portfolio Recovery 's practices are illegal.
Consumer complaint received 2024-03-22
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I was purchasing something online & it went to a scam website, I did not notice. I put {$1300.00} on my debit card & the next day when I realized it wasn't the correct site, I cancelled my debit card & reported it to the bank. They returned my money to me but today they took it out because they said I didn't do the proper paperwork. I wasn't sent any paperwork & the deadline for the paperwork to be in is today & that's when they took the money out. I am a XXXX XXXX. I need that money back. When I asked if the scam company had contacted them, they said no. So why are they taking this money away from me? I dealt with the Huntington Bank at XXXX XXXX XXXXXXXX but I talked to several people over the phone before I went in. My rent is due on the XXXXXXXX & my SS goes into my checking account & if they don't refund that money to me, I will have no money to pay rent. This is an emergency & unfair banking business!,,
Consumer complaint received 2018-06-12
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: EdFinancial Services (NY)

I am not working and can not make my loan payments. I have contacted Ed Financial in regards to this matter several times. I made a complaint on XX/XX/XXXX with CFPB. I made numerous attempts such as filing for Unemployment Deferment, Forbearance, etc. and have been denied by Ed Financial. They stated that I have used up the amount of times I can use these options. Ed Financial sent me an application for income driven repayment. I sent in a personal statement explaining that I do not have any taxable income. I also spoke with a representative who advised me that since I have no taxable income I should fill out the income driven application along with my personal statement and that he did not see a reason why it would be denied. 

Well the application was denied and I will have to start making payments in XX/XX/XXXX. These people refuse to work with you and just want to see you go into default. If I do not have a job how am I supposed to pay back the loan? I also have a child at home. Ed Financial is ridiculous and they don't try to help or offer reasonable ways to accommodate your situation in anyway. All they care about is their money.
Consumer complaint received 2020-05-09
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

ITS BEEN WAY OVER 30 DAYS NOW APPROACHING 60 SOMETHING DAYS AND I HAVE YET TO RECIEVE DOCUMENTATION THAT THESE ERRORS WERE CORRECTED AND REMOVED
Consumer complaint received 2024-03-22
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (AK)

Received a suspicious call that seemed like spam around XXXX time frame regarding apartment resided in 1 year ago having balance to pay to collection. Called apartment and they verified no debt owed and stated was likely a scam. Noticed on XXXX XXXX collections on credit report. Called apartment again ( XXXX XXXX ) and they verified again, no debt owed and ccd me on email to XXXX XXXX  this needed to be fixed. Contacted Genesis and spoke with XXXX ( XXXX? ) XXXX he aggressively told me I owed money and wouldnt allow me to explain this was not true and I had statement of proof to submit and request how to submit. He said it was an excuse and I owed and knew how to login to a portal to pay because of communications and correspondence. Told him I never received notice which he said was a lie. He told me I was given a case number of sorts and I told him I didnt have because I never received contact and just wanted to submit the invoice I have stating XXXX owed. He was extremely rude and said I received calls, texts, phones calls and to stop playing XXXX and just pay. 
I tried to submit into their portal and couldnt because it asked for company. I sent inquiry via site and received no response. I called later in afternoon and spoke with XXXX who said only I could email her and they couldnt email me with contact info on how to submit via email. I called XX/XX/22 genesis and was connected to XXXX XXXX again and asked for update on dispute- he only stated how to pay and I told him I spoke with him yesterday and was unable to use portal as he stated I should be able to. He started getting rude so I asked to speak with supervisor as I was suspicious to their dealings and professionalism and he was rude and transferred me. I spoke with XXXX XXXX and told him my issues and he stated they misspoke previously about portal and I could send PDF to him directly. I asked him why I was never contacted about and only seen on credit report and he stated they could not call me until correspondence and said it was my fault I didnt provide forwarding information to apartment. I stated apartment was given and they clearly had all my information ( phone, email ). He then gave me email and phone number. I again iterated that asked to clarify that XXXX told me they attempted text, phone, email which was not accurate because XXXX just stated they couldnt without correspondence via mail first. He immediately retracted and tried to get off phone with me. I told them I was detailing and documenting any and all information going forward as I was sure their business practices did not align with federal laws. I attempted to send email to him with document of PDF with stating no balance and received an email back that stated his email was not valid and not able to send.
Consumer complaint received 2021-07-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (GA)

Mr. Cooper has been charging me for PMI at {$58.00} per month. I requested PMI be removed SEVERAL times. I owe {$40000.00} and the home is valued at {$200000.00} per XXXX and comps in the area. I placed my request in writing to them XX/XX/2020 after several phone calls. I received a response that it would take about 6 weeks. Nothing happened. Again, I called and was told in 2-3 days ; nothing has happened. I am still be charged {$58.00} per month.

Please help me get a refund and get this unlawfully charged PMI cancelled. Thank you for your assistance.
Consumer complaint received 2020-07-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (IL)

I have for many months been able to make a principal only payment online with NewRez. Today a principal payment was only allowed if I also prepaid my XX/XX/XXXX payment. I called and spoke to two very nice individuals. The first one said that management new there was a problem with the online system but she could not process a payment without charging me {$15.00}. She transferred me to someone she said had the authority to draft the principal payment without charging a fee. When I was transferred to this individual he also could not draft the payment without charging me. Again I was unable to do this online. The individual tried for 10 min to get a hold of their manager and once they did the manager told him to tell me to call the escalation department, this after I had been on the phone for 30 minutes. This is an UNFAIR PRACTICE and I wonder how many people have had to unnecessarily pay a {$15.00} fee.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I have been trying to buy a car so today XX/XX/20 I went to the XXXX dealership and when they ran my credit to see if I qualified for an auto loan I was told I did not qualify because there were too many accounts with negative credit history on my credit. I looked through each account and there are five accounts and a few inquiries on my credit report that do not belong to me ; I don't know why those accounts/inquiries are on my credit report or who they belong to but I did not authorize anyone to open them on my behalf. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I contribute to any payments made towards these accounts. I have already filed a police report in regards to these unauthorized accounts.
Consumer complaint received 2015-11-25
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP (CO)

First I was not properly explained during my account opening the opt in or opt out procedure of overdrafts and they did n't go over any of the additional steps that I needed to take to ensure my protection against overdraft fees. I had the money available in my savings account but the personal banker had not linked my accounts together like I assumed she had when she talked about it. She explained the opt in as overdraft protection instead of what it really was. She also did not give me a temporary card when opening my account so I had no access to my money until I came back from vacation even though she knew I would need it. She did not go over the steps needed for online banking and I was not able to make the changes to protect myself against fees such as linking accounts and setting up alerts which I thought she had already done for me since it was something that was discussed. 

After I had noticed that I had over {$200.00} in fees in less than 2 days I went to a branch near my work but they could n't do anything since they did n't have an approval from anyone. The manager at the XXXX branch attempted to get approval but there was neither a manager or assistant manager to help and they told me I had to go in the next day when they would be available. When I went in to the branch that opened my account I was not able to speak with the manager because he was in a meeting. I asked if I could come back later and the assistant made a point that he would not help me and that it would be useless for me to call him at a later time. I then tried to get information about the call center and whether they would be able to help but she told me there was no point and that if she would n't help me no one else would be able to do anything either and I just had to take the fees. She was extremely rude the entire time and from what I understand from her customers and employees she is like this with everyone and also treats her employees poorly to where they no longer wish to work there just because of her just as I no longer wish to bank there anymore. This assistant manager is in the U.S. bank location in XXXX at XXXX in Colorado.
Consumer complaint received 2024-01-01
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc. (FL)

I have noticed an unexpected charge that I did not make it was a result of fraud someone used my card to book a hotel in XXXX. I reached out to the hotel and they told me someone with a different name than mines used my card and book it under their name. I told them that my card number was compromise. I reached out to cash app and explain to them What happened. I file a dispute with my card issuer company cash app on XX/XX/XXXX. Cash app have not gave me any updates. They are telling me that they can not provide me with any information. I have spoke to several different people including a supervisor. No one will give me any information on what is going on they have not refund me the money that was taken off my card.
Consumer complaint received 2021-09-12
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (OH)

I am filing this complaint because has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you
Consumer complaint received 2020-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Ive been trying to log in to their website and see my credit score and report and I cant see nothing and Ive tried contacting them numerous of times and they just forward my calls or cant tell why that is happening.
Consumer complaint received 2020-11-12
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. (VA)

On XX/XX/2020 I received a payoff quote from XXXX for my automobile and I used it to refinance the car with XXXX XXXX. My XX/XX/2020 XXXX payment was due on XX/XX/2020 & XXXX told me car would be paid off by XX/XX/XXXX. 

On XX/XX/XXXX I contacted XXXX because the payment from XXXX looked like it had still not been processed by XXXX & I did not know if sending a payment would interfere with that process, but I knew I was approaching 30 days late - I didn't know if I was still being held to that due date or if they were aware I had refinanced and they were processing the payoff already. I was unsure of what I needed to do. The representative I spoke to advised me she would place an extension on the account and as long as they received it by the end of XXXX, I would not receive a delinquency. 

Between XX/XX/XXXX and XX/XX/XXXX I Continued to receive collection calls from XXXX and on XX/XX/XXXX I called XXXX again and spoke with another representative. I explained the situation again and asked again if I needed to send a payment. The representative again said they would notate the account. 

The account was paid off in full on XX/XX/XXXX, but then the first week of XXXX I received notification that I was reported 30 days late for my XXXX payment by XXXX. I called XXXX on XX/XX/XXXX to dispute this with them, because surely this must be a mistake since I asked them how to handle this before I was 30 days late and they told me I would not be marked late if they received payment from XXXX  by XX/XX/XXXX and they received payment from XXXX  on XX/XX/XXXX. XXXX opened a dispute and I just received the results and they reported to me that they found they reported the 30 days late correctly. 

This is absolutely egregious. XXXX is a sub-prime auto finance company and I accepted them as my lender after a bankruptcy with the intention of working towards refinance. I worked hard for many months by paying on time to rebuild my credit and be able to refinance with a different company at a better rate, only for them to ding me as 30 days late after they told me how to handle my payoff payment with my new lender. That is absolutely unfair. Now when I attempt to purchase a house I will have a recent 30 day late on my credit that is inaccurate. I need this removed - it is absolutely incorrect and unfair. 

XXXX 's phone number is XXXX. I have attached our verizon cell phone records that reflect the calls I made to XXXX on XX/XX/XXXX from my husband 's cellphone XXXX and on XX/XX/XXXX from my cellphone XXXX. Had the representative that I talked to on XX/XX/XXXX at XXXX properly put in my payment extension OR properly notified me to make a payment despite the pending payoff, this situation would have been avoided.
Consumer complaint received 2024-03-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (MD)

IN XXXX I ASKED XXXX AND XXXX BANK FOR A {$11000.00} LOAN AND THEY DENIED THIS LOAN AND THEN SENT ME A {$1000.00} CRDIT LIMIT I NEVER ASKED FOR THIS WAS PREDATORY LENDING, AND FAIR CREDIT DISPUTE FOR A LOW INCOME RETIED GOVERNMENT WORKER, AND XXXX. 
I DISPUTE THIS CREDIT I USED THE CARD BUT IN XXXX TO PRESEMT I TRIED TO USE XXXX AND XXXX AND THEY TOOK FUNDS FROM ME I DID NOT GIVE THEM PERMISSION TO TAKE WHICH COST ME AT LEAST {$1000.00} FROM XXXX TO PRESENT M AND T BANK WOULD NOT DISPUTE THIS AND WOULD KEEP ASKING ME EVERYDAY ALL DAY HOW MUCH FUNDS DO YOU HAVE AND WITH NO DISRESPECT BUT THIS IS BEGGING AND I HAVE A LOW INCOME AND GOVERMENT BENEFITS AND WITH NO DISRESPECT M AND T BAN IS TRYING TO MAKE ME PRACTICE HOMOSEXUALITY TO DO BUSINESS WITH THEM FOR THE HAVE A XXXX PERCENT LGBT. 
I ALSO ONLY DO BUSINESS BY EMAILING AND CALLING XXXX AND XXXX BANK BUT THEY KEEP TELLING ME TO TO COME IN AND I HAVE XXXX AND THEY DO NOT LIKE ME WITH MY XXXX AND FIGHTING FOR THIS NATION FOR RIGHTS THEY SHOULD NOT HAVE A PERSON COME IN AND WE CAN SETTLE THIS DISPUTE BY EMAIL I WANT THIS CREDIT DISPUTE WAIVED AND OF {$1000.00} ALSO AND TO BE RESPECTED ALSO XXXX XXXX XXXX  BANK WONT ALLOW ME TO ACCESS MY CHECKING ACCOUNTS BECAUSE I FILED COMPLAINTS ABOUT THIS DISPUTE AND I CAN NOT ACCESS MY FUNDS AND MY RENT IS DO THE FIRST AND THEY AND THEY ARE USING ME TO MAKE A POLITICAL MOVE SO THEY CN DO THIS TO EVERY PERSON IN XXXX THEY CLOSED MY ACCOUNT BECAUSE I WOULD NOT SPEND ANY FUNDS I WANT IMMEDIATELY MY FUNDS ACCESSIBLE AND THEM ALSO TO ALOW A PERSON TO DO BUSINESS WHEN THEY ARE CLOSED SUCH AS XXXX P.M TO XXXX A.M. 
NOW IF XXXX XXXX XXXX BANK DISPUTE XXXX AND XXXX AND TAKES AWAY THE CREDIT DEBT OF {$1000.00} AND ALLOW ME ACCESS TO ALL MY ACCOUNTS THEN THIS DEBT COMPLAINT IS REMEDIED AND NO LITIGATION FROM PETITIONER ALSO THIS DEBT I S MAKING MY CREDIT REPORT FROM XXXX TO XXXX AND I NEVER MISSED A PAYMENT
Consumer complaint received 2020-07-13
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (NC)

This is my second FCPB complaint with Freedom Mortgage, A loan officer called me after 3 weeks of trying to get ahold of them. They promised the world and would help me out, My credit score met the minimum but after they ran my credit it drop by 2 points and I was denied. They have refused to contact me their customer and explain the situation or even try to work with me. So far I have spent over 1 month trying with my lender to refinance my loan and have had no luck or no one to speak with with the exception of 1 20 mn phone call and nothing after that.
Consumer complaint received 2023-02-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

Account XXXX has violated my rights 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 also state a consumer reporting agency can not furnish you without my written of instructions so what that means is I have rights to my privacy
Consumer complaint received 2024-03-22
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (FL)

American Express has been unfair and unequitable to me as a consumer. Twice already they have been utilizing predatory practices resulting in economic and personal loss by continuously lowering my credit limit causing distress and financial harm by affecting my overall credit with other lenders. American Express bills me a $ XXXX yearly fee and then pressures me by utilizing predatory practices, they are pressuring me to make payments ten times over the monthly required payment or risk lowering my credit limit. This bulling practices is without merit.
Consumer complaint received 2021-07-14
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: SUNRISE CREDIT SERVICES, INC (IN)

I have a fraudulent collections item on my account due to identity theft. This exact same debt was filed on my credit earlier this year, just with a different debt collector. XXXX  dispute XXXX was completed ( submitted XX/XX/2021 - completed XX/XX/2021 ), agreed this was not my debt and removed from my credit report. Now the exact same amount is being reported again, just from a different debt collector, and now I'm being told this is a valid debt ( which is impossible ). Dispute XXXX ( submitted XX/XX/2021 - completed XX/XX/2021 )
Consumer complaint received 2019-05-14
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Armcon Corp (CA)

Coachella Valley Collection Service called me to reach out to my brother, I was at work but the lady with the name of XXXX called me every 2 minutes, including my work number, after I called her supervisor / XXXX, he promised they don't call my employee anymore, but when I came back to work, my coworkers told me they called again. 
when I told XXXX the law doesn't let you call my employee, she just screamed at me REALLY??????