davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PNC Bank N.A. (FL)

PNC BANK

Contact
XXXX XXXX XXXX XXXX, OH 44101
(XXXX) XXXX-XXXX  
HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF $XXXX THE COLLECTION HAS BEEN REPORTED AS PAST DUE . I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY . THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Consumer complaint received 2020-05-18
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CMG MORTGAGE, INC (LA)

I was shopping for mortgage rates in XXXX, I was about to Choose a XXXX XXXX when I a local regional manager for CMG financial call me and offered me 2.75 %, I confirmed in email that I would pay not points. XXXX XXXX responded in email that it cost 1.25 % but he was giving me a lender credit to cover the points. Now fast forward XX/XX/XXXXand I receive my final disclosure and there are the points with no lender credit. So I emailed XXXX only to get some lie of an explanation that they didn't know it was a mobile home until the appraiser. But my agent has communication with them that we had to change title companies because that title company didn't do manufactured homes. That was early in the process. Now I'm 3 days from closing and they will cost me my home with their lies and deceit. What can be done about this? Its basically lock you in thinking your going to get your home an they switch the interest rate trying to take your dream away from you. 

I did try and resolve this I forwarded the email that had the communication with the area manager to the loan officer, and asked if they would put the lender credit on the disclosure like promised, no response. XXXX XXXX told me he already paid 1.25 % and gave me credit when he locked the loan but this can not be true because it is not on the disclosure so they still owe me the lender credit promised.
Consumer complaint received 2020-10-29
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)

Dear Experian, I checked my personal credit report, which I acquired from your company on XXXX of 2020 and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/2020 is still being reported on my credit report. I contacted XXXXXXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. I request that you initiate a REINVESTIGATION into XXXXXXXX XXXX XXXX ( XX/XX/2020 ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter.
Consumer complaint received 2020-10-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (WA)

XX/XX/XXXX I made {$76.00} purchase item using PayPal. Item was returned seller received the item on XX/XX/2020 and said that issue a refund to my PayPal account. I have not received the refund. I contacted PayPal provide all documents and dispute XX/XX/XXXX transaction. I have not received any updates from PayPal. I have contacted my credit card company that I use in XX/XX/XXXX PayPal transaction. On XX/XX/XXXX credit was issued on my PayPal account for {$76.00}. XX/XX/XXXX My credit card company issued permanent credit for XX/XX/XXXX PayPal transaction. Few days later I received letter that I won the case by default because PayPal did not provide case evidence on time. On XX/XX/XXXX PayPal applied - {$76.00} charge back to my PayPal account causing negative balance. I have received emails and treats that my account going to be lock if I don't cover negative balance. I was only allow to cover the balance using my checking account. I have payed to cover the negative balance to have no transaction interruption in account. I been contacting PayPal for last 5 months they saying that is not in there hands I have to contact my financial institution. PayPal illegally applied " charged back '' to my account for {$76.00} and will not give me my money back.
Consumer complaint received 2021-04-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Conn's, Inc. (CO)

I called and talked to a representative with XXXX XXXX XXXX and asked to settle my account, I offered {$500.00} and the lady said they could settle my account for {$570.00}. I paid the {$570.00} on the phone call and was reassured it would be settled and removed from my credit. I recently checked and the payment I paid only took off the balance and the account is still on my report ... not removed as agreed In my phone call on XX/XX/XXXX. Ive called numerous times and have been given the run around each time or even hung up on, on XXXX of the calls before I was transferred the lady acknowledged that she seen the notes that I settled the account out to be removed from my credit and the next representative I spoke with briefly, was put on hold then hung up on. At this time I need the phone call recording to be pulled ( which they should have being they are a debt collector ) to verify the conversation held on XX/XX/XXXX and I need this collection item removed from my credit as promised when I paid the agreed settlement amount.
Consumer complaint received 2021-10-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (SC)

On XX/XX/XXXX, I was a victim of a sim swap. It was a hacker attack, the hacker accessed my acct and took out about $ XXXX {$50000.00}. When I realized about this I contacted Coinbase right the way. The only way to contact them was through email, and it took a couple days before they answered, but didn't take any steps to stop the attack, to block my acct. They had an option to block the acct over the phone but even that was not working, because I did it. Just a few days later I saw 2 transactions into my personal banking acct of {$1000.00}. So not only that the hacker took the $ XXXX {$50000.00} from my acct, he tried to get more from my bank acct that was linked to the coinbase acct. 
On XX/XX/2021, I read the news all other that Coinbase is reimbursing the funds to the victims of the hacker that used the 2 factors authentification system, including the sim swap cases, from XXXX to XXXX. My situation happened on XX/XX/XXXX so immediately after this period. Coinbase refuse to reimburse me saying that my email is not on their list. So please help to clarify this situation, since they assume their fault in all this hackers attacks but they refuse to reimburse when I have this exact situation. 
Thank you
Consumer complaint received 2020-10-29
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (MO)

Hunter Warfield has increased a debt owed over time. 
XX/XX/XXXX went up {$5.00} XX/XX/XXXX up {$4.00} XX/XX/XXXX {$10.00} XX/XX/XXXX {$4.00} XX/XX/XXXX {$15.00} XXXX {$5.00} XX/XX/XXXX {$10.00} XX/XX/XXXX {$19.00}. It is from an old apartment on move out charges. I cant go back any further in my credit report to find more evidence. They are adding either interest or fees monthly or twice a month.
Consumer complaint received 2020-10-29
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. (FL)

My identity was used by someone else to open fraudulent accounts. This has resulted in the following US DEPT ED XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX US DEPT ED XXXX XXXX XXXXXXXX XXXX XXXX XXXX FRAUDULENT items to appear on my credit reports : I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.
Consumer complaint received 2021-05-21
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 — Problem with personal statement of dispute
Company: AMERICAN EXPRESS COMPANY (NJ)

on or about XX/XX/XXXX American express put on my credit report a charge off for {$4000.00} dollars i do not owe American express any money and i want this off my credit report and i had a XXXX credit score and this situation dropped my credit score down to XXXX so i am making this formal complaint of unfair business practice 's especially in theses difficult times i take pride in my credit and i feel there is malfeasant 's going on at AMERICAN EXPRESS!!
Consumer complaint received 2020-04-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: NAVY FEDERAL CREDIT UNION (AZ)

I submitted an application to Navy federal I was told to wait 15 business day for a reply. This was back in XX/XX/XXXX. I called in XXXX to check my status of my approval. I was told I had to send in an appeal. I went to my local branch where a representative contacted customer service to advise the information. Then rep was then told I had to submit an appeal. I submitted an appeal on XX/XX/XXXX. I waited 15 business days. I called on XX/XX/XXXX to see if my appeal was received I was advised no, I had to resubmit the information. I resubmitted the documents via email on XX/XX/XXXX. I called again on XX/XX/XXXX. I was told by a representative, my application was denied due to fraud. I told the rep, it was not fraud it was myself. I submitted some incorrect information which is why, I was told to submit an appeal. I asked to speak with a manager to have this escalated. I was advised by a customer service manager, " if I want this account open I have to continue to wait '' then I was disconnected on. I asked the manager was this the process Navy Federal takes in regards approving a veteran for an account. The manager refused to answer my question, then disconnected. Because I do not have an account yet established with Navy Federal I was not able to get the manager 's name. I'm sure its recorded. In which it defiantly need to be reviewed. The manager I spoke with was rude, unprofessional, and showed lack of empathy. I felt like I was bothering her, just trying to get my questions answered. Why ... why hasn't this been taken care of ... .. I was told its sitting in a queue that hasn't been worked yet. So the queue hasn't been worked for going on 3 months??? I highly doubt that!
Consumer complaint received 2020-04-29
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Express Aviation (VA)

I attended XXXX XXXX 11 years ago. When attending I was young and unaware of the paperwork I was signing. I had no copies of my paperwork or student file! After further investigation this year of paperwork finally provided by the school, this month. The school is saying I never did an exit interview. I never received it! On the alleged exit interview paperwork it says I received a : 1. Federal Direct Subsidized loan for XXXX 2. Federal Direct Unsubsidized loan for XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX loan for XXXX Loan # 3 is what Im challenging. This loan was fronted by the school and paid for by the school. I was responsible for paying the school back once I dropped out of the program because they paid the loan for me. 

The school is now saying I owe them {$14000.00}. There is fraudulent activity going on. I was never told of XXXX  when enrolling. I was told by XXXX that I was enrolling into a HELP loan program that was provided by the school. I never signed nor agreed to a loan with XXXX. XXXX was just just found guilty of defrauding XXXX XXXX XXXX in 2018 for the same exact situation. I believe these charges are fraudulent and I want the school to be held accountable. They have harassed me for years for this money. I want all the money I paid to this fraudulent loan returned. I tried uphold and clear a debt a I thought I owed. However, this isnt my debt! It wasnt made clear to me. They took advantage of my situation and they took money from me for profit.
Consumer complaint received 2020-05-18
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (MA)

I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2021-10-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp. (FL)

ABSOLUTE RESOLUTIONS I Contact XXXX XXXX XXXX XXXX XXXX XXXX, MNXXXX  ( XXXX ) XXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$4200.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Consumer complaint received 2020-10-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. BANCORP (NV)

I received a settlement offer from US Bank that gave me until XX/XX/2020 to pay {$870.00} to settle a debt of {$2100.00}. The offer had a return address of XXXX. 

I sent the requested funds via a money order to avoid arguments about the funds clearing. I took the settlement letter and funds to the US Post Office on XX/XX/XXXX to make sure it went out and to be sure it would arrive before the deadline.

The US Post Office told me that zip code does not exist so I call US Bank and received assurances from them that they would receive it if sent it and my funds were delayed they would still accept them as my settlement. 

US Bank then did exactly the opposite of what they told me. They received my funds and didnt give me a settlement but accepted it as partial payment. I argued with them about the bad zip code, the delay and their promise to accept the payment, nothing. It was dishonest of them to give me a bad zip code then tell me everything is fine.
Consumer complaint received 2020-05-18
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2024-02-05
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (PA)

On XX/XX/XXXX, an amount of {$1000.00} showed up on my XXXX credit report as past due and in collections by Credence Resource Management. This is the third time this past due amount has appeared on my credit report. It first appeared in XXXXXXXX XXXX XXXXXXXX by Credence Resource Management and removed in XXXXXXXX XXXX XXXXXXXX after I submitted a dispute to XXXX. It again showed up in XXXXXXXX XXXX XXXXXXXX by XXXX XXXX XXXX and was removed in XXXXXXXX XXXX XXXX after I submitted a dispute to XXXX. I have never had an XXXX XXXX XXXX XXXX XXXX account. 

I spoke to XXXX XXXX at Credence Resource Management on XX/XX/XXXX and he said the account was associated with the address XXXXXXXX XXXX XXXXXXXX XXXX TX XXXX. I told him I never lived at that address or in Texas for that matter ( that address did show up on my credit report around XXXXXXXX XXXX XXXXXXXX and was removed in XXXXXXXX XXXX XXXXXXXX when I submitted a dispute ). After reviewing his files for a moment, he said I could either open a fraud report with the police, which he said would be a very time-consuming process ( trying to dissuade me from picking this option ), or I could pay a portion of the amount due ( why would I do that if it's not my debt ). However, he neglected to mention that if I did pay a portion, the collection would remain on my credit report even though the past due amount would be wiped out. I said no thanks and called XXXX to change my dispute to reflect fraud.
Consumer complaint received 2024-02-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (MN)

I'm making a complaint against the company advantage as they have reluctantly been able to process my payment of my loans. As I've been making multiple payments on date of XX/XX/XXXX for my subsidized loan and again try to make a payment on XX/XX/XXXX for both my subscribe and unsubsidized loan both payments were reversed. In addition to this the company has not even reached out to let me know that the payments reversed. Additionally no I am being faced with additional interest which shouldn't have had happened. I would like this to be fixed I have contact the company through email. Additionally I have sent another email as I reattempted to make the payment on XX/XX/XXXX for my subsidized and unsubsidized loan. I have contacted my bank and they have let me know that aidvantage hasn't even contacted them in response to gain the funds to pay off the loan. I know for a fact that my bank information is correct on the website as it sends me a confirmation every single time I try making a payment and it goes through.
Consumer complaint received 2020-05-18
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-05-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (NC)

On about XX/XX/20 I called Dovenmuehle to discuss the payoff of my mortgage. I was given a payoff amount of {$160000.00} as of XX/XX/20. I make my payments via XXXX XXXX bill pay online. I made a {$50000.00} payment on XX/XX/20, two XXXX payments on XX/XX/20 and a {$13000.00} payment on XX/XX/20. When I looked online I saw that these payments were not completely applied to principal. I called back on XX/XX/20 to ask them to reallocate the payments. I was told that would not be an issue and would be done in 3-5 business days. When that did not show up online I called again around XX/XX/20. I was told they could not do that and that the new payoff amount was {$530.00}. There is not a prepayment penalty clause. I had the same issue years ago with another company and they reallocated my payments with not issue. Of the 4 original payoff payments they only allocated {$160000.00} to principal. I feel I am owed {$3200.00}.
Consumer complaint received 2020-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (KS)

I was at the Airport and the XXXX rep stated that the XXXX XXXX American Express waives annual fee for their cards to military members. That is what made me apply. I applied and was granted the card. About three weeks later I was billed the annual fee. When I spoke with someone they advise for me to apply for the SRCA, which then I was denied. I have been dealing with this for over 3 months. I have contacted via email, phone, and chat. My chat is below. I can not speak with anyone in the department but was told that my account was reviewed for MLA when it was first open and did not qualify. 
Yet the reason why I can not get SCRA is because I was on orders when the card was opened. The company has refused to apply MLA.