davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-06
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. (MS)

My loans were paid in full in XX/XX/XXXX, I thought I gave XXXX ample time to submit my account status as paid to credit bureaus, as I did not start inquiring until XXXX XXXX as to why they show " deferred '' with an outstanding balance of over {$130000.00}. Each time I am given the run-around. The last representative I spoke to in XXXX, emphasized with my position as this is hindering my ability to obtain new credit because of the high balances an assured me he would send in correct to the 3 bureaus. I called back last week on or around XX/XX/XXXX to inquire if my credit bureau had been correct. I was told by another representative that she saw the notes from the last phone call. She further stated I would need to send XXXX a letter disputing the debt they are reporting erroneously, along with a copy of a credit bureau that shows how the debt is reporting of which I did as requested. I called to check on if XXXX is in receipt of letter, I was told yes, but it will take a while. I am XXXX and need to purchase a lawnmower on credit so I can have a riding mower as I am unable to cut my grass with a push lawn mower now. I really need help getting this off my bureaus.
Consumer complaint received 2022-09-17
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. (PA)

There are several inquiries on multiple bureaus that i do not recognize and did not authorize. They are listed below.. 
Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (OK)

On XX/XX/2021, Certified Mail Package ending in XXXX was sent to NATIONAL CREDIT SYSTEMS regarding the account reported on my consumer credit report, for the amount of {$1800.00}. There has been no official rebuttal to my Affidavit of Truth, this company remains in violation of laws that govern US commerce. This company reported the account as closed on XX/XX/2021 to XXXX, updated the balance only, still inaccurately reporting this account on XX/XX/2021 to XXXX. The failure to comply with law pertaining to consumer credit has caused me and my dependents great harm. This account remains unverified and should be deleted immediately from all consumer credit reports.
Consumer complaint received 2018-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (DC)

USBank froze my Business Edge credit card against my will. USBank did not allege that I violated any terms of service. I complied with all of the bank 's requests. My account had XXXX rewards points, which are equivalent in value to {$470.00}. My access to those funds has been cut off by USBank. These are rewards I earned in prior periods that I now can not redeem. I request a payment of {$470.00} to make me whole.
Consumer complaint received 2024-03-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Firstly, why did XXXX drop my credit score over XXXX points when I applied for this Capital One card? I would like to request an investigation into XXXX, XXXX, and XXXX for being unfair and biased during the credit reporting process. Also be advised that I feel Capital One and XXXX harassed me daily with credit card matches and ire approval emails from both Capital One and XXXX. I feel this is definitely credit card predatory services. 

There are several issues I need to file complaints for regarding this credit card service. There were problems with the initial credit process, rewards, credit limit amount etc I made a {$320.00} payment to Capital One via Western Union on XXXXXXXX. ( Western Union Tracking # XXXX ). See attachments Capital one refused to post my payment and place my account in Over The Limit Status. 

{$300.00} Credit card limit is very low for a travel credit card. Everytime I need to rent a car I have to add money to this credit card as if it is a debit card. 

Capital one was dishonest about receiving that payment abd did not post it to my account until 19 days later on XX/XX/2024 ; After I filed complaint with Floridas Attorney General and after I called Western Union to request a refund. Western Union advised they were sending capital one an email to either post my payment or refund. 

Please see all attachments.
Consumer complaint received 2018-07-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (CA)

PNC Bank stopped sending information necessary to continue my multi-year history of timely and complete, full payments of my HELOC as of XX/XX/2018. I have made numerous attempts including but not limited to online correspondence, telephone calls, and written letters. PNC Bank has replied with a succession of non-action. I have gone above and beyond my due diligence and reserve all rights while withdrawing none. The aggresive and predatory techniques by PNC Bank, mainly the purposeful and premeditated deceit of their obligations as established by the PNC Bank Code of Conduct, and, most importantly, Federal Law, should concern all. I have continued to make timely monthly payments using my payment stub from XX/XX/2018. PNC Bank continues to draw monies from my personal checking funds while denying me requested information as to where these funds are applied. In addition, PNC Bank will not provide me with a copy of original terms and conditions of my HELOC. This written document shall serve as instrument.
Consumer complaint received 2022-09-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: PENTAGON FEDERAL CREDIT UNION (OH)

I filed a dispute for fraudulent transactions with Penfed Credit Union. It was for ALL transactions made at XXXX in the month of XX/XX/2022 as I lost my wallet in the store for a period of time. 

I am not able to see the transactions as a new card was ordered but the fraudulent transactions are still on my account and they should be removed immediately.
Consumer complaint received 2018-07-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Sortis Financial, Inc. (MD)

I signed loan modification papers with soritis for new reduced mortgage interest rate and payment. An electronic payment of {$990.00} was sent to sorits on XX/XX/18 ( prior to the XX/XX/18 due date ). 
I received a statement on XX/XX/XXXX, dated XXXX as a monthly statement from sortis, that does not reflect that payment the from XX/XX/XXXX. Attached is a copy of that statement.
Consumer complaint received 2018-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I have been trying for several months to try to rectify the address that Equifax has about me. I have explained that i live in a single family dwelling, that it is not an apartment building and yet they persist on maintaining an incorrect address which has been on my file for many years after a mix up of addresses. They have requested, and I have sent, a copy of my social security card and of my drivers license which shows my home address correctly.

Still they send me letters requesting more information of the kind I have just provided. The bureocracy of this company is beyond belief. I want a correct credit record and they are of no help.
Consumer complaint received 2020-10-21
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. (AL)

On XX/XX/2020, a sales person contacted me from XXXX XXXX advised that I was able to trade my vehicle in with no down payment with this program that they have because I had my vehicle for over a year and was making good payments. I advised that I was not trying to have my credit pulled was in the purpose of trying to purchase a home. The promise and guarantee me that only XXXX would pull my credit, and that not the case server lenders pulled my credit without my permission.
Consumer complaint received 2018-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP (OH)

I was contacted by my bank institution ( key bank ) and I was informed that there were some activity within my account and wanted know if I knew or authorized. I told them no I did not and do not have any transactions recently that I made. I was instructed to come in to my parent banking institution to sign some papers stating my knowledge of the inscident and let them know I did not make that transaction. I failed to remember my ID and I was denied seeing the gentlemen who I spoke with from my branch and therefore I missed the ending time for gettin the papers signed and my account was canceled with an alert on my name. I work full time on a some of 50-70hrs a week so Its a conflict with me being free to situate this issue. I also stated that and I took a day off work. Only to be rejected. I asked the clerk at my branch if it would be a problem to make the gentlemen aware that I was present in hopes he would understand my issue of my ID, so that I could be given a grace period to straighten this out. Again, I was not accepted. I went back a couple later to fill out the papers anyway just because. I was contacted by the gentlemen who instructed me to come in and he told me he couldnt do anything now that the account had been closed. I was given the info about this site by XXXX XXXX  after an attempt to establish another account there. I was told theres a alert attached to my name. The issue was that an attempt to deposit a check for a some just under three thousand dollars on XX/XX/2018. Again I informed them that I had no knowledge of this activity. I cant recieve any of my work checks because of this. I have to support myself and family. Big hinder! Please help!!
Consumer complaint received 2018-07-24
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc. (AR)

XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX , to XXXX this company place a debt on my credit report which after disputing it with the credit bureau , it was deleted off my report in XX/XX/XXXX ... then as of XX/XX/2018 after checking my report, they sold the debt without accurate information to a company called Commonwealth Financials, using a different acct # XXXX, with an incorrect open date of XX/XX/2018 and they reported it on XX/XX/2018. Commonwealth Financial address is XXXX XXXX XXXX, XXXX city, pa XXXX ... I think it not fair the way debt collectors be buying debt from other companies without even verifying if the information is valid. I am asking you to stop these companies from falsely adding debt to consumers credit report.
Consumer complaint received 2019-06-08
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: C/C Financial (NY)

I had went to a furniture store on XX/XX/XXXX received it on XX/XX/XXXX. They told me I can get a line of credit from a Company called Merchants Preferred Lease-Purchase Services, a division of C/C Financial Corp. located on XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX. I applied and got approved for the XXXX. If I would of payed it off in three months no interest rates would of applied. However that could of went as planned cause the flowing week the furniture started falling apart. Draw handles were breaking bed legs were on the verge of breaking and wood was chipping on the bed. I called back the furniture tried to get them to fix it. They were rude I called the loan company tried to get there help and they told me I had to call the furniture store cause they wont take back damaged furniture until I make a payment. It was to the point where I went to small claims court and filed a complaint against the furniture store. My court date was set for XX/XX/XXXX at XXXX. Until then I continued to call the merchant and the credit company. Then on XX/XX/19 the Furniture store decided they want to come and fix my furniture. I allowed them to cause my XXXXyr old  had to sleep on that bed. After they fixed it I called back Merchants Preferred Lease-Purchase Services, a division of C/C Financial Corp. to have them adjust my late fees and payments to start my payment for after they fixed my furniture due to my furniture being damaged for 3months and me trying to get them to fix it. Instead of them helping me with my three months of stress and worry about weather or not the bed is going to break while my son is sleeping on it. They rather tell me this will be on my credit it I dont pay and I signed a contract with them. What about the defaulted furniture I was sold. I would like for my bill to be started fresh in XXXX or I want my lease terminated. I have pictures to prove my case as well as legal papers I had filed for court. As well as they have recording of our conversations. This is injustice and a company like this should never be in business they are robbing people and messing up their credit.
Consumer complaint received 2019-06-08
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: Resurgent Capital Services L.P. (NY)

I checked my credit report and noticed that there is a collection negative item on my report from XXXX XXXX XXXX - that account has been closed all merchandise was returned and there should not be an amount owed noticed LVNV Funding LLC has this account should be removed / deleted been an ongoing issue
Consumer complaint received 2019-06-08
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. (NY)

I checked my credit report and noticed that there is a collection negative item on my report from XXXX XXXX XXXX - that account has been closed all merchandise was returned and there should not be an amount owed noticed XXXX XXXX XXXX has this account should be removed / deleted been an ongoing issue
Consumer complaint received 2019-06-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Friendly Finance Corporation (VA)

XX/XX/2019-Friendly Finance Rep called and left a msg stating she would move forward with locating my vehicle for repossession. I called her back within a few minutes and scheduled a pmt arrangement to pay XXXX pmt on XX/XX/XXXX and XXXX pmt XX/XX/XXXX. I explained that I did not have card or account information to provide her and I would call back on the XX/XX/XXXX to pay. 
XX/XX/2019-Friendly Finance rep called again and I gave the same pmt arrangements again and also explained that I had already made arrangements the previous day. When I was not able to provide her with my debit card number she said she would just call back on Monday XX/XX/2019- Friendly Finance rep called again. I explained to him that I have made the same pmt arrangements every day this week and nothing was going to change. If my arrangement to pay was not sufficient then the reps should have explained that on previous days. He said my plan to pay on XX/XX/XXXX was noted but not the arrangement for XX/XX/XXXX and that he would document that. I explained to him the rude communications that I have been having from them. I told him what the previous rep said about calling me on Monday when I wasnt able to provide my bank acct number or card number and he suggested that I do not answer the call on Monday XX/XX/2019-Friendly Finance rep XXXX called. I explained that I have already made arrangements almost every day this week. I was upset about the 4th conversation within 5 business days. I told her my arrangement wouldnt change and to stop calling my phone and she threatened to move forward with repossession efforts. I called and spoke with who I thought was a supervisor. She explained that my call was being recorded and that my complaint would be given to her manager. I also requested that XXXX not call me again or handle my account any further. 
My account is not even 30 days past due yet. Why am I going through so much and being harassed almost everyday. This is entirely too much. Please help.
Consumer complaint received 2020-06-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (IN)

I waited much longer than the 180-day period as indicated by PayPal that the funds would be held and, as of XX/XX/XXXX, the account shows a zero balance and the funds have not been returned. On XX/XX/XXXX, PayPal withdrew all of the funds, {$7800.00}, from my account. The transaction note cited damages caused by Acceptable Use Policy violation. 

I have previously requested a review/appeal of my case with PayPal when my account was limited in which I had submitted receipts for a sample of the sold items which was denied. 

From a previous correspondence from PayPal, they seem to believe these items were counterfeit, however that simply is not the case. These were authentic items purchased from retail/thrift/etc. I believe an assumption was made by PayPal that because the items I sold were branded, that they must be counterfeit, which they find as some justification for keeping the funds for themselves. 

PayPal 's previous responses were along the lines of " you were selling items that contained brand logos and IP owned by other companies that you do not have permission to use '' and that the funds being seized by PayPal being " part of the terms of service that you agreed to ''. 

Again, these were authentic items, and it was legal to sell them under first sale doctrine. 

I have already had a law firm send a demand letter to PayPal which was ignored, and a notice of pending lawsuit sent to PayPal which will be filed if I can not get a satisfactory resolution from PayPal.
Consumer complaint received 2021-06-28
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. (MS)

i sent letters out certified over 60 days ago and have not been notified. as a consumer i feel like these clowns taking advantage of normal people.
Consumer complaint received 2019-06-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (NY)

Citibank changed their policies on charging monthly fees. They started charging me {$25.00} / month. Many months went by before i noticed. I tried multiple times to telephone them. They have a completely incompetent call center in XXXX that disconnects the line, gives misinformation, etc. You always spend 1 hour trying to call them. After tiring of how poor their service is, I moved to close the account. As part of  that process, I said that I needed to download my checking account statements to save them for my records for taxes, etc. They said I could do so, that my online account would remain open. I went to feed my children lunch and have just returned to the computer and can not access the statements. i contact citibank on " chat '' and they claim i can not access statements. the people in " chat '' take no responsibility for what i've been previously told. after paying {$25.00} / month i can't even get a copy of the statements! This bank is so bad it's unbelievable. I just want to get out of Citibank with my records. Please help!
Consumer complaint received 2019-06-08
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Navient Solutions, LLC. (AR)

SALLI MAE NOW NAVIENT WAS DELETED FROM ALL CREDIT BUREAUS LONG TIME AGO. RECENTLY THEY RE-INSERTED THIS DISCHARGED LOAN WHICH SOL EXPIRED AND HTEY FAILED TO GO TO THE MEETING OF THE CREDORS IN XX/XX/2018 BK XXXX. LASTLY ARE AWARE THAT THIS DEBT WILL CAUSE FINANCIAL HARDSHIP, DUE TO THAT FACT MY HUSBAND IS XXXX AND I BEING XXXX XXXX XXXX.
Consumer complaint received 2023-01-30
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

Long story short, my ex-husband allowed our home to go into foreclosure. I called and made payment arrangements, gave over XXXX to catch up on some payments, drained my XXXX only to be told that after my 3 on-time lower payments, I was denied the program to assist with the mortgage. I attempted over 4 years to work out payments, sending additional money and payments that they asked for to get into the lower income repayment programs and denied many times. Throughout the 3 years of them taking payments, and making promises to work with me, I got a notice XXXX weeks before XXXX that I had 30 days to get out, even with my children. My ex-husband claimed XXXX on his portion of the home, which I did not know, since I received a letter from his attorney stating he mortgage was not included in the XXXX Needless to say, I called Wells Fargo immediately, they said there was nothing they could do that I must get out of the home. I explained again, they have all the notes in the system that I was trying and not one person told me that there was a XXXX  on the home and that the 3 year tome period was up and since I did not refinance, I had no claim to the home. After almost 4 years talking to them every other month, them taking over XXXX of my money then taking my home. I lost my home in 2014 due to Wells Fargo allowing a XXXX  on an individual and turning it into a joinXXXX XXXX XXXX NEVER CLAIMED XXXX! MY EX-HUSBAND DID, ON A JOINT MORTGAGE!
Consumer complaint received 2019-06-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CO)

I am currently enrolled in the PSLF program and have made a number of payments. TWO YEARS AGO I asked for an accounting of all my qualifying payments ( because I think their counting might be wrong ). I have never received such an accounting ... I have repeatedly asked for a payment by payment accounting in order to ensure all are counting towards my 120 payments. However, I still havent heard anything. Each time I call, they promise that it should be coming soon, but nothing ... also, I may qualify for the expanded PSLF, but I cant apply until I know for sure. They are purposely not responding to me. Frankly, I think the government should go with another loan servicer. I have not been impressed with myfedloans.