davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: PNC Bank N.A. (IL)

Closed my account recently. I owed {$25.00} for early closure fee and was not told about that from beginning. PNC seemed like nice online bank from start, till I noticed closure fee. I was trying them out. Thought it as no big deal to just close my account. 

Staff at XXXX branch were friendly and helpful as was manager. Just don't like that the bank has to be closed during pandemic as my current bank has their lobby open even though there's a window between customers and staff. A lot of these types of banks like PNC can improve by removing fees for closure, offer free ATM reimbursement. That would make it a better choice bank. I get free ATM reimbursements with my current bank ; ), thus a better choice bank and staff knows me well. Never had any closure fees. Staff at my current bank go the extra mile for consumers.
Consumer complaint received 2019-03-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (OH)

We did not receive, nor is there record of, escrow analysis for years XXXX, XXXX or XXXX and now our mortgage has gone up approximately {$700.00} per month despite being in a fixed rate product. Our property taxes and insurance rose marginally and PMI is on a steady decline. Yet, we have a negative escrow balance of nearly XXXX and PennyMac wants us to pay approximatey {$4600.00} to true up the escrow account or continue to make our increased monthly total. It shouldnt come as a shock that when someones budget on a fixed rate mortgage starting at around $ XXXX is completely and unreasonably stretched nearly 7 years later when the mortgage is $ XXXX. Since we did not receive, nor did PennyMac perform, escrow analysis for 3 consecutive years we feel this is an unreasonable encumberance to our family and feel they shoulder a great deal of liability in this severe an oversight.
Consumer complaint received 2019-08-21
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I submitted a method of verification on 5 different occasions XX/XX/19,  XX/XX/19,XX/XX/19, XX/XX/19, XX/XX/19 to resolve the inaccurate bankruptcy being reported on my credit report. I have contacted the bankruptcy court, XXXX XXXX and all parties have validated that the information is incorrect and not valid. I have submitted copies of these document several times and Experian continues to say they are validating the information from the exact source that provided me a letter that stated it is inaccurate. I was a victim of identity theft and I have provided that information as well. No method of verification has been provided to me on how the information Is validated even after several requests. Yet the information continues to be on my credit report
Consumer complaint received 2021-10-26
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (NJ)

This is not a duplicate complaint. I am a natural person and a consumer. On Monday XX/XX/2021, I received electronical correspondence ( email ) from WELLS FARGO AUTO in response to my demand to validate an alleged debt. WELLS FARGO AUTO sent me a contract which does not match any of my personal information, nor does this match my VIN. Not withstanding the proceeding sentence, contracts and monthly statements are not written statements from WELLS FARGO AUTO that should have been sent within 5 days of initial communication to allow the consumer to validate a debt pursuant to 15 U.S. Code 1692g. WELLS FARGO AUTO is not only infringing on my consumer rights and privacy rights, but is also infringing on other consumers privacy rights as well. WELLS FARGO AUTO has reported inaccurate information to the Credit Reporting Agencies about the status and payment history. Because this debt has not been verified to be an obligation, they are in direct violation of 15 U.S.Code 1681s-2 ( a ) ( 1 ) ( A ). WELLS FARGO has been willfully and knowingly not compliant with federal law and now through the discovery of their most recent correspondence they are being negligent to other consumers privacy rights as well. Providing the documents WELLS FARGO AUTO have sent : This debt is alleged and I refuse this debt.
Consumer complaint received 2018-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CA-XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Dear Capital One, Capital One Credit Card # XXXX I requested early assist customer service plan on XX/XX/XXXX and I got approved later dated on XX/XX/XXXX. 
( Letter attached your reference ). as per letter my APR 7.40 %, Monthly Minimum Payment {$92.00} and program terms apply account 2 billing cycles. 
Now already 3 billing cycles has been completed and APR 7.40 % not apply my account ( XX/XX/XXXX Statement attached your reference ) I called yesterday ( XX/XX/XXXX XXXX PCT ) Customer Service number XXXX and answered XXXX and I inquired about APR reduction my account and he said he can not see any letter issued on that day and I have to call Payment plan team on tomorrow. He not treat as a valued customer and I felt discrimination. 

I called today ( XX/XX/XXXX XXXX PCT ) Payment plan customer service number XXXX and Answered XXXX   and I inquired about why not apply reduction APR my account. 
He treated me so unprofessional and he didn't give positives feedback.He also says I don ' know what happens and he will follow up. 
I felt what happen Capital One.and it's seem like scam. 

Please investigate this issue and please adjust APR Reduction and Refund interest charge my account. 

Thank you XXXX XXXX XXXX
Consumer complaint received 2022-10-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

Contacted Agent on XXXX only gave confirmation # XXXX Credit Report has multiple accounts reporting adverse ; however when I call agent can't find accounts listed nor has she been able to remove those acounts. File # XXXX XX/XX/2022.
Consumer complaint received 2018-02-04
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. (CA)

I sent TransUnion a letter on XX/XX/XXXX asking them to remove my PAID AND RELEASED FEDERAL TAX LIEN FROM MY TRANSUNION credit report. I received a response dated XX/XX/XXXX with results Verified as accurate. I did not dispute the paid and release was not mine. I ask that the information be removed as it is over the 7 years date. 

Per the information on the TransUnion web site and I QUOTE A tax lien can be one of the worst items to appear on your credit report. Its considered very negative and can cause your credit scores to drop significantly. Even worse, under federal law, unpaid tax liens can remain on credit reports indefinitely, though in practice credit bureaus may remove them after a decade or so. ( Once paid and released, a tax lien must be removed seven years from the date it was filed. ) My Federal tax lien was paid and released. I also sent the proof of this information to TransUnion and they have failed to correct my credit report.
Consumer complaint received 2018-02-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (TX)

Account opened fraudulently due to XXXX data breach in XX/XX/XXXX. Charged 500+ dollars to the account, went to collections before I even knew it existed. Went through XXXX to dispute. Gave all proper information, never removed from my credit report. Midland refused to acknowledge the legitimacy of my claim. Still calling me requesting money I am not, nor ever have been liable for.
Consumer complaint received 2022-07-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (MA)

The XXXX has been working with us ( my wife and I ) and has been engaging with Shellpoint XXXX XXXX dba Newrez LLC. XXXX is willing to pay the cost as 2020 due to COVID. Additionally, my wife and I are willing to pay XXXX dollars in addition to what XXXX is planning to pay. This leaves about XXXX that we are requesting Shellpoint to act in good faith, total consideration, and modify the morgage However, Shellpoint seems to demand all the money to be paid right away. Shellpoint has sent a proposal to XXXX asking for all the money to be paid off. If not, Shellpoint want us to mortgagors to pay the money. Our complaint is that Shellpoint is acting out of the consideration to prevent the foreclosure and is denying us the right to modification considering the XXXX is stepping in to support in every way possible as well as our efforts to pay XXXX dollars. We have XXXX children and foreclosing the property will destabilize us and we won't have a place to live. We want to keep the property and continue paying our mortgage as it should be. Since my last complaint, we have applied for modification several times and Shellpoint has been denying us. We are completing another one tomorrow and if Shellpoint is not going to consider what XXXX is paying in addition to what we are paying, XXXX dollars, then they will deny us right away. Shellpoint should grab the opportunity to prevent the foreclosure by modifying the mortgage.
Consumer complaint received 2021-09-20
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. (VA)

I am filing the complaint against XXXX, Experian, and XXXX because they have ignored my request for a reinvestigation since XX/XX/2020. YES! I have been sending dispute letters for the accounts items listed on this complaint for AN ENTIRE YEAR! I have not had one response from this credit bureau! Per FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) and section 611 ( 5 ) ( a ) of the FCRA, they are required to " promptly delete all information which can not be verified '' and that has taken over 30 days to investigate that I have disputed. PLEASE DO NOT CHANGE THIS TO A DISPUTE ISSUE! This is a VIOLATION OF MY CONSUMER RIGHTS ISSUE! Your assistance in resolving this concern as soon as possible is appreciated. Thank you
Consumer complaint received 2021-10-26
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. (GA)

The information on my credit report is not correct. I don't know these account I didn't apply for any of them. I don't understand where is come from and why I see them. I think someone used my personal information
Consumer complaint received 2021-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IN)

Previous dispute with XXXX XXXX. I was sent a letter from XXXX XXXX on last dispute, which CLEARLY states incorrect COMPLIANCE DATE/DOFD! This letter claims DOFD to be XX/XX/XXXX. My report, and payment history REPORTED by XXXX XXXX CLEARLY states DOFD  as XX/XX/XXXX! This is over a year discrepancy, and is ILLEGALLY RE-AGING MY ACCOUNT! 2 attached file will CONFIRM! This is a violation of my rights! Remove account IMMEDIATELY!
Consumer complaint received 2021-08-16
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. (NC)

On XX/XX/2021 i sent dispute letters to all 3 credit bureaus disclosing wrong inaccurate information on my credit report. It has been more than 30 days and the companies have yet to respond to me or correct the incorrect data on my credit report.
Consumer complaint received 2021-05-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: HYUNDAI CAPITAL AMERICA (AR)

I have been trying to correct a multitude of problems with Kia Motors Finance since XXXX of XXXX due to them incorrectly applying extra payments to interest instead of principal, erroneously charging me late fees and NSF fees and later agreeing to waive them but never updating my balance, charging me higher interest on a higher principal balance due to failure to correct my principal balance as promised and then later promising to correct the inappropriate interest charges and not doing so, and continuing to erroneously report a late payment and incorrect balance to the credit bureaus despite dispute and numerous calls. I contacted Kia on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX, email on XX/XX/XXXX, XX/XX/XXXX by phone an email, and today I spoke about the problem again with a XXXX reference number XXXX who confirmed they still had not corrected the payments but he could see I have called numerous times about it and that it was supposed to be corrected. I spoke with a supervisor on XX/XX/XXXX who reported she would " waive the NSF and late fees '' and XXXX said he saw that and it should have been updated within XXXX hours by Friday XX/XX/XXXX but could not explain why it had not been updated once again. I have included call logs, my Kia Finance payment history that shows payments, and how the principal balance has not updated in months nor have the extra payments for principal been moved as promised. You can also see NSF or late fees randomly applied to my account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They also applied {$510.00} out of my {$700.00} to interest only on XX/XX/XXXX payment which is more than the required {$600.00} and then reported me as late in XX/XX/XXXX to XXXX and the other credit bureaus despite filing disputes with all XXXX. I am tired of calling this company and them doing this to me and the late payment interfered with a mortgage application I applied for just last month and was part of why I am paying a higher deposit to my new apartment since I could not get a mortgage.
Consumer complaint received 2022-01-10
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: Bridgecrest Acceptance Corporation (GA)

On XX/XX/21 I mailed certified mail including an identity theft affidavit and an FTC identity theft report to XXXX, Bridgecrest, and XXXX XXXX regarding identity theft and they have refused to remove items from my credit report. They received mail on XX/XX/21 according to USPS.I sent another letter to them back on XXXX XXXX. They have failed to provide me with evidence of their claims. It has been over 30 days since they was suppose to verify so items must be removed from my credit report
Consumer complaint received 2021-08-16
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. (PA)

XXXX is reporting {$170.00} being charged off on this account on my credit report ... this is inaccurate..this account was paid in full and always on time ... .this 1 inaccuracy is holding me back from purchasing my home ... I have contacted Transunion and XXXX  trying to get this corrected and it comes back verified ... how are they verifying this account being accurate when XXXX doesnt even have the contact information on my credit report..i have no way to dispute this inaccurate reporting with them as i should be able to by law ... ... how are the credit bureaus contacting them? ... .Transunion and XXXX  have not even marked this account as in dispute as they should do by law ... i have sent written letters challenging the reporting ... ..Delete this now
Consumer complaint received 2018-02-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2018, XXXX XXXX has notified me that a hard inquiry has appeared on my account, which was not approved by me. I believe someone must have gotten my Social Security Number from the XXXX  hack and is trying to get a phone in my name. I have tried to contact XXXX XXXX XXXX to get the inquiry removed but keep running into brick walls -- website not allowing me to progress and confusing questions XXXX XXXX XXXX keeps asking me that do not help me resolve my issue. 

I didn't know what else to try so I went ahead and froze all my credit reports on XXXX, Transunion, and XXXX ; however, I don't think the Transunion freeze worked correctly because it keeps giving me an error that it can't confirm my identity. It is odd how XXXX and XXXX have found my files without any trouble but Transunion has not. 

I have not worked yet, so I have no employment history, credit score, or credit card accounts with any bank. I only have two accounts in my name that I opened myself for attending college.
Consumer complaint received 2018-10-04
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (IA)

I went back to college in XXXX to finish my XXXX XXXX. Navient has a private loan I borrowed in XXXX for college. It was originally in my loan contract that I would not have to make any payments as long as I was enrolled in classes full time. When I went back to school they told me that detail had changed without my knowledge, and they were trying to make me pay monthly interest charges. I received multiple automated phone calls, which I did not agree to on my cell phone, frequently getting multiple calls WITHIN MINUTES. This happened in the summer of XXXX, a year after I had come back to school. When I spoke with someone at navient, they told me their automated system was messing up and continually threatened me with default regardless of the improper phone calls. They said if I made my payments, I wouldnt be getting calls in the first place. I deliberately told them to take me off of their auto dialer, but the automated calls continued. They then placed my loan in default in the fall of XXXX, wrecking my credit. The loan continues to sit in default and harm my credit score because they refuse to put my loan in in-school deferment. I tried to work something out but they only cared about getting any money they could as soon as possible. I am now in XXXX XXXX and continue to suffer from their practices, including continued phone calls as recent as hours before writing this, and the fact that my loan continues to be in collections.
Consumer complaint received 2019-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (UT)

XXXX XXXX # XXXX is reporting a late in XXXX I do not owe. I tried to log in to my account and pay it but it did not go through, tried calling several times and by the time I could get someone to process my payment two weeks had passed and it triggered the late payment. This was not my fault and there should not be a late on this account.
Consumer complaint received 2022-01-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: JPMORGAN CHASE & CO. (CA)

I looked over my consumer credit report with XXXX, XXXX, and XXXX. they all have this JPMCB CARD account on my consumer credit report however each bureau is reporting on my consumer credit report differently with each credit bureau I disputed the information with XXXX and XXXX they are reporting false illegal and inaccurate information I would like this account removed, delete, and blocked off my consumer credit report immediately
Consumer complaint received 2020-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (TN)

Due to the cares act, government mandated that all school loans be put on deferment. This was done without my approval. When doing so account was reported as such which DIRECTLY caused my credit to dump over 60 points with XXXX and over 20 points with XXXX. I was unable to get a reading from XXXX. I have contacted Great Lakes after spending two entire days they finally took my account off deferment and reported such. However, I never could get through to XXXX to repair the credit issue. I was on hold for 3 hours 48 minutes and 36 seconds with this company. I also disputed online however was unable to get into the account after registering through their system. When I tried to contact them I was disconnected three times. All of this is documented on my phone and I have screen shots that prove the decline of credit due to the educational loan deferment. There is no denying by XXXX or XXXX that the credit decline was due to the report. I have PAID ONE YEAR IN ADVANCE ON THIS LOAN. I have auto payments and ALWAYS pay on time. This is clearly noted yet they decided to dump my credit by 60 and 20 points. My complaint is with the Government and these reporting companies. How can the government mandate such and then CAUSE harm to citizens? I would like this fixed. This has also harmed my chances of getting an EIDL as I am XXXX XXXX  and have been under extreme hardship due to COVID. This is so unjust and unethical. I believe that this is in violation of the Fair Credit Reporting Act.
Consumer complaint received 2020-12-01
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. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.