davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-18
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. (FL)

To whom it may concern : I am filing a complaint against : Experian, XXXX. XXXX XXXX, XXXX, Texas, for inaccurate information and not following the law, FDCPA section 807 ( 8 ) and FCRA section 623 ( a ) ( 3 ). I have attached multiply registered letter to both Experian and XXXX XXXX XXXX XXXX. 

What am I looking for you might ask? Information showing when I received this late payment. 

Not only have they ( XXXX XXXX XXXX XXXX ) failed to furnish me with any information or statements they ( XXXX XXXX XXXX XXXX ) continue to put remarks on my credit file via Experian Credit Bureau. I have sent several certified registered letters to them asking for evidence of this late payment. They ( Experian ) have only said to me that they have as per my credit report We have completed the processing of your dispute : Outcome : XXXX XXXX XXXX XXXX Remains the company that reported the information has certified to Experian that the information is accurate. As of XX/XX/XXXX. So, how can that be, because I still have not received any information from XXXX of proof or Experian for that matter. 

Verified : The collection agency or creditor may provide you with what they call proof, such as an itemized printout of what they claim is your account or billing statement. The FTC has issued an article on this subject, and concludes that an itemized printout does not represent verification. 
Unverifiable - you may want proof that a creditor or debt collector has the right to collect from you, and you find out that they dont have your original hand- signed contract on file anymore - paperwork gets lost. No proof of contract means no authority to report or collect from you. 

I also sent Experian Credit Bureau information about the company in question. Experian has not been forth coming either, saying that they have spoken with and validated the information to be true. Yet, I still have not received any evidence to prove that fact. I have asked time and time again as you will see in my attached letters to Experian and XXXX XXXX XXXX XXXX to do what is right. So, Please validate this information with ( Experian ) and provide me with copies of any documentation associated with this account. 

I would appreciate any help in this matter would be great. I have been trying to get to the bottom of this matter for well over a year now. 

Thank you Reference to : XXXX XXXX XXXX XXXX Closed Account showing late payment from XX/XX/XXXX.
Consumer complaint received 2017-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TN)

these are unauthorized inquiries XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Mortgage Reporters XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX XXXX XXXX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX
Consumer complaint received 2021-09-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

Hello, CFPB : In XXXX of 2021 I made an extra principal payment that my mortgage company, PennyMac Mortgage Services, LLC mishandled. I was charged an extra interest payment and an extra escrow payment and my principal balance was incorrectly calculated.

I have contacted the mortgage company, PennyMac, who have told me that they will " correct '' the problem. However, I felt that their response was weak and non-specific, and when I asked for the address of the Consumer Financial Protection Bureau, the agent said he did not have the address and had never heard of the agency.

In addition to the misapplication of my principal reduction payment, which was erroneously applied to my account and did not reduce the principal that I owed to the correct amount, I have had trouble for the past several weeks accessing my account online, because the PennyMac website fails. After I enter my user ID and password, I get a screen that says, " Sorry! we're currently under maintenance. Our team is working quickly to bring the site back online. We apologize for any inconvenience. Please try again later. Thank you for your patience. '' This problem has existed for at least three weeks, and it makes it much harder for me to determine what is going on with my account. When I asked the PennyMac customer service agent if he could give me an estimate for when the website would be fixed he could not.
Consumer complaint received 2020-05-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant Mercantile Agency (CA)

Grant Mercantile Agency fraudulently attempts to collect on corporate debt. This debt is corporate debt and I am not legally liable. I have informed Grant Mercantile Agency representatives to no avail. Additionally, they are in violation of HIPAA. I request immediate removal from all credit reporting agencies and an updated report.
Consumer complaint received 2017-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (MN)

Citi Bank Account ending in XXXX Refinanced house in end of XX/XX/XXXX. 
I paid off my bill for Citi Bank {$12000.00} from my XXXX XXXX  account Our Finance company paid off the same bill, so until it was caught in XX/XX/XXXX we paid them twice. I called Citi bank and they proceeded to transfer me from one person to another ; still would not refund the money stating that they had to wait for it to clear my bank? According to my bank statement the electronic payment was made on XX/XX/XXXX? Still arguing about money clearing we proceeded to call my bank so she could verify the money had cleared the account. My bank indicated that it was an electronic payment so therefore there should not be a wait period for $ to clear? After a lengthy dispute about 3 hours they decided to refund the money and at that time I wanted to CLOSE MY ACCOUNT. On XX/XX/XXXX the electronic deposit was put in my account. 
On XX/XX/XXXX an email from Citi bank came to me with an overdue amount of {$580.00}?? My account was closed I thought, but apparently when Citi Bank refunded my account they left a balance on the credit card? Why would they leave a balance when they had more than enough to pay the complete balance and I told them to close the account at that time? Unbeknown to me my account was accruing interest and late charges as well as reporting it to the credit agencies giving me a mark on my credit! I was in tears, I didnt want to argue anymore after another hour and a half! They did not waive the late fees and were not able to change the credit bureau! Asked them why the account wasnt closed the first time and they couldnt say? 
On XX/XX/XXXX I received another email from Citi bank with another past due balance of {$64.00} from a software company on XX/XX/XXXX. I was furious!! I did not authorize any payment for software and besides all this my account was closed for the 3rd time in one year. Now XX/XX/XXXX I get a email statement with interest charges and late fees for this purchase. The bill is up to {$120.00} with late fees and interest. 
This company has been very disruptive to my life. I pay my bills on time and am very conscious of my debts. Something has to be done with this Citi Bank merchant. Please help me.
Consumer complaint received 2015-08-20
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

We have these individual who used our Business Checking Account for his personal use to pay his credit card. It tremendously affect our business operations and mess the owner 's credit score because of this fraud issue. We have filed police report for this identity and grand theft. Please see attached report.
Consumer complaint received 2016-03-28
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Alliance One, Inc. (WA)

Debt collector trying to take legal action over a debt that is not mine. XXXX is for a traffic citation in 2013 for a photo enforced camera. I was not driving the vehicle, and the original collector was notified of this. They have since assigned it to a debt collector who has not validated the debt when requested, and also is now threatening to garnish and wages. The second is for financial Aid, which is also invalid as I have an account for my federal student aid, that is up to date. It is ALLIANCE ONE
Consumer complaint received 2021-07-06
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I began my dispute process with on XX/XX/2021, after noticing several incorrect items on my consumer report. I sent a letter to Experian, and received a response dated XX/XX/2021, where some items were updated, and others were not. In accordance with my consumer rights under the Fair Credit Reporting Act, I sent a response to Experian dated XX/XX/2021 requesting the information the agency used to verify the items in question as accurate. USPS tracking shows my document was delivered on XX/XX/2021. It has been over a month and I have yet to receive any response from Experian regarding the results of their investigation. Experian 's negligence to this matter has caused serious harm, as I have been denied new accounts because of items that XX/XX/XXXXshould have handled much sooner.
Consumer complaint received 2017-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

In my three credit reports appear wrong information which could be fixed but the bureaus do n't report the correct information or remove the incorrect. XXXX XXXX sent to me a letter fixing the wrong report on XX/XX/XXXX about a pay late they were reporting in my mortgage on XX/XX/XXXX by mistake and is now yet the bureaus have n't fix that and other debts I already paid for and I have the XXXX they sent me and neither they have remove from my credit report affecting me in my financial goals. If you need the information I have tell you I can send you when you ask me for. Please help me in this matter as soon as you can because I am trying to refinancing my home and this is stocking me. 
Thank you XXXX XXXX
Consumer complaint received 2021-07-06
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. (IN)

I filed a dispute with the credit bureau regarding a collection from XXXX that was reporting an auto loan 1 x 30 days past due. I called TransUnion to advise that this was incorrect and that I traded in this vehicle in XXXX, XXXX. I also contacted XXXX and filed a complaint. I was notified by XXXX from XXXX 's compliance team. She called me on XX/XX/XXXX and left me a message to call her back at XXXX. I called her back the same day and she advised that XXXX would update this delinquent status to current and that it would take up to 30 days to reflect this on the credit bureaus reports. Prior to this TransUnion had updated the transaction to current as my credit scores went up over 40 points. I received a notification yesterday that TransUnion updated an account to delinquent status on my credit report. When I logged in my credit report on my current auto loan and XXXX XXXX, I see that XXXX was back to negative status showing 1 x 30 days late. If TransUnion had completed my investigation and spoke to XXXX or received a response from XXXX, then TransUnion should have reflected this account as current and not negative in any way. Again I spoke to XXXX on XX/XX/XXXX. After XX/XX/XXXX my scores jumped up over 40 points. TransUnion in my opinion is doing some shady things and they are NOT verifying information and they are obtaining information illegally to be placed on consumers credit reports.
Consumer complaint received 2017-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: SUNTRUST BANKS, INC. (TX)

I purchased a new vehicle XXXX XXXX, 2017. I advised the salesperson that I wanted to finance my vehicle with XXXX XXXX. The dealership ran my credit through several different financial institutions without my permission.
Consumer complaint received 2021-10-04
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

My old card was lost so I requested a new card. However when I received the new card I couldnt activate it because the bank put a block in my card/account. I called them multiple times to remove the block so that I can activate my card but why just wont do it. I have been using the card to receive my unemployment benefits payment for a little over 6 months now and its always a problem using the card. Every time I tried to make a purchase ( it could be something as insignificant as buy gas ) they would block it and I would have to call and be asked a whole lot of questions to make sure Im me. Of course every time I would answer all the questions correctly and they would remove the block. However, this time, they refused to remove the block and they also refused to ask me the identity question. I asked them to close my account and send me the remaining of balance via check, they refused to do as well.
Consumer complaint received 2017-11-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (NJ)

PNC keeps sending me a bill from my closed account for the amount of XXXX. I had an overdraft back in XXXX 2017.  They continued to charge me XXXX per day my account was overdrawn which now is the amount stated above. I went into to speak to the branch manger at the XXXX office to correct the isssue an she was very rude. She said they closed my account and could n't reopen because of the fees. 
I am on XXXX and was just award and all my retro was to be deposited into that account. She told me that they are allowed by law to charge the XXXX per day until they either close or you make a deposit. 
I was so upset because I did not know that one of my bills were paid out of that account. I was n't really using it expect to make a payment when I had money in the account. Now they have placed this into collections and feel that there banking practices are a bit high and not be able to change every day. It is more than the normal about of XXXX. 
I was a long time customer and had hardly no overdraft fees ever. To leave me with out a checking account to receive my Social Security Benefits was very poor judgment on them and overcharging fees to customers.
Consumer complaint received 2021-07-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

On XX/XX/XXXX, I visited Citizen 's bank on XXXX Street in XXXX, MA to close on a {$200000.00} HELOC which was to payoff my mortgage balance. 

The HELOC was for : XXXX XXXX XXXX XXXX, MA XXXX As of XX/XX/2021 the mortgage balance was {$6200.00} and the loan number was XXXX. 

On XX/XX/XXXX, I received confirmation the mortgage was paid off and applied to my HELOC but the bank paid {$10000.00}. 

Congratulations! We received your home loan payoff. 

Property Address : XXXX XXXX XXXX XXXX, MA XXXX Loan Number : XXXX HERE ARE YOUR PAYMENT DETAILS : Process Date : XX/XX/2021 Amount : {$10000.00} The HELOC should have paid off only {$6200.00}. I will have to wait 15-30 days for the difference to be mailed to my home yet the interest on the {$10000.00} will be charged for that period. The bank is wrongfully charging me interest on a higher balance. I question this practice of overcharging interest. Since Citizen 's is pushing this HELOC aggressively, I anticipate they are recognizing more interest on their earnings for this quarter.
Consumer complaint received 2021-05-22
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. (FL)

I XXXX XXXX PULLED MY CREDIT REPORT AND NOTICE THERE WERE A LOT OF THINGS THAT WERE NOT MINE, AND I SENT IN A LETTER TO HAVE THE ITEMS VALIDATED OR REMOVED AND I HAVE NOT HEARD ANYTHING BACK YET. I NEED ANSWERS, PLEASE.
Consumer complaint received 2018-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (DC)

XXXX, Experian and XXXX has failed to updated my credit report and hold creditors responsible for false information. I did not give them permission to sell my information to a collection agency. They did not contact on any of the delinquency.
Consumer complaint received 2016-12-01
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: PNC Bank N.A. (UT)

I was owe money and the women owing me money sent a check via usmail to my address in XXXX. The address was not completed right and I never recieved it. Contacting her she told me the check was written on the XX/XX/2016 and was cashed the XX/XX/2016. She contacted her back and they sent me a copy of the check. I recieved a copy of the check with some scribble on the back which I assume is an endorsement. It has no other Id on the check. I never recieved it or cash it. I called the bank to advise them of this and to open an investigation. help. Thank you
Consumer complaint received 2017-11-19
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Freedom Mortgage Company (NY)

To whom it may concern, I am inquiring about removing a few late payments off my credit report. During XX/XX/XXXX, I had XXXX XXXX XXXX XXXX causing me to miss work for 8 months or so, my I come was severely reduced causing me to fall behind on my mortgage payments. Thankfully, Ive resumed work and caught up on all my payments, paid every late fee and have been current without missing a payment for 8 months. Ive asked to have my lates removed due to the hardship I endured and as I stated, all payments were made and fees were paid. I was 30 days late on XX/XX/XXXX ( mo th I had my XXXX XXXX ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and 60 days in XX/XX/XXXX and XX/XX/XXXX .... since Ive made every payment on time and have never had an credit issue previously or after those dates. 
If you could please assist in clearing up my report due to the nature of my situation it would be greatly appreciated
Consumer complaint received 2022-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Spring Oaks Capital, LLC (GA)

In accordance with the Fair Credit act SPRING OAKS CAPITAL LLC Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2017-11-20
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Frost-Arnett Company (TN)

On XXXX/XXXX/XXXX I received a letter from Frost-Arnett Company at XXXX XXXX XXXX, XXXX, TN XXXX saying that I owed a debt that I do n't believe I owed. I sent them a letter, certified with return receipt requested that asked for validation of the debt and also in the letter they were told to cease and desist all contact. According to the return receipt and the tracking info on aimed by the XXXX, they received the letter on XXXX/XXXX/XXXX and was signed by someone in their office. They continued to call. They called on XXXX/XXXX/XXXX and continued to harass me from a Kentucky number at XXXX : XXXX. ON XXXX/XXXX/XXXX I received a letter from same company. In a false attempt to verify, not validate, the debt they had access to important personal medical records with procedures and procedure codes on it that I thought was a hippa violation. I do n't feel comfortable with them having access to my medical records.
Consumer complaint received 2024-03-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am authorized by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. These collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization - used my personal identifying information to apply for goods, services, or money, and was successful in creating some accounts. All is being investigated by FTC.
Consumer complaint received 2023-02-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: OneMain Finance Corporation (NJ)

I tendered payment via an ambiguous negotiable instrument in the form of XXXX XXXX XXXX XXXX XXXX in the amount of XXXX in accordance with HJR-192, UCC 3-603 and UCC 3-311 to One Main Financial on XX/XX/2022. They did not accept my legal instrument and refused to credit my account according to public law and are in dishonor in question without levy and without recourse. I have been denied my rights by this company choice to not honor even though it stated they are too under UCC 3-603 and 3-311. as well as public law of a Negotiable instrument