davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: PNC Bank N.A. (FL)

Notified PNC of fraudulent activity on my card credit card on XX/XX/22 just a month after last reporting PNC for poor fraudulent practices. 

They turned off the credit card as expected and are sending a new one. 

However, disputed charges still remain AND IN ADDITION, PNC charged me a transfer fee without notice or agreement. I was charged a transfer fee from their card to their card while a victim of fraud. Shame on you PNC.
Consumer complaint received 2020-05-07
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. (NY)

There is incorrect information on a credit report with one of the credit reporting agencies. 
After applying for a credit card with XXXX XXXX XXXX, I was denied a credit card because of the following reason : You have a closed account with an outstanding balance from XXXX XXXX XXXX.
Consumer complaint received 2020-05-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nationwide Credit Corporation (VA)

Multiple calls from the debt collector ( NCC - XXXX, case XXXX ). After speaking with them they are refusing to disclose the actual debt due to the Town of XXXX for personal property on a prior owned vehicle. According to the Town of XXXX, we have never had an outstanding balance on any of our personal property accounts for our vehicles. Debt collector claimed to have sent documentation but none was ever received. This debt collector is continuing to harasses us for fraudulent debt.
Consumer complaint received 2023-01-30
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: EQUIFAX, INC. (VA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2019-10-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

We have PHH Mortgage Company. We lost our home to the camp fire on XX/XX/XXXX. Our insurance company sent us a check in our name and the mortgage companies name. We signed it and sent it in to PHH Mortgage company in XX/XX/XXXX. We continued to make payments throughXX/XX/XXXX. In XX/XX/XXXX we asked PHH Mortgage to take those funds and pay off the mortgage. The insurance company based rhe payment amount on the payoff statement PHH Mortgage company sent to us. I was told by PHH Mortgage company that the process was going to be started. In late XXXX I was called by PHH Mortgage inquiring about our mortgage payment. It was then that I found out they didn't pay off the loan. I was told that I was going to get a payoff statement. In early XXXX I was called again about missing mortgage payments. It was then that the process of signing an affidavit and sending it in was going to get the mortgage paid off. I was told that it was sent to me. I found it in the back of the last payoff statement. I signed it only to find on the next page sent it in.I needed to hsve it notarized. I called and had another affidavit sent to me. We had it notarized and sent it in. We were called again in XXXX for not paying our mortgage payment. It was then that I was told that the previous affidavit expired. I was sent yet another affidavit and we had it notarized again. This is XXXX. I had confirmation that it was received from the PHH Mortgage insurance department and that we needed to pay off the additional amount before the mortgage would be paid off. As I waited for yet the third affidavit I spoke to the PHH Mortgage insurance department who told me that the payoff amounts on the affidavits were wrong and that we didn't owe more than the insurance check that was sent in and placed in an escrow account back in XXXX. In fact the check was more than the payoff so we were sent the difference, a check for over 3k. I have spoke with PHH Mortgage Company several times who states that we need to sign another affidavit for the current payoff amount. We have been asking to speak with managers only to be told they are not available and will be called 24 to 48 hours. We spoje with a supervisor today who spoje in circles and did not honor our requests and told us that they only follow their current processes. HELP!!! Now they have threatened foreclosure on a house that no longer exists and have damaged our credit.
Consumer complaint received 2019-10-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (FL)

Account was closed in XX/XX/2019 and American Express charged me back {$50.00} for a transaction from XXXX. 


Thank you for speaking to me about my issues on my account. Thank you for confirming the following : Even though the card has been closed since XX/XX/2019, the {$50.00} reversal is my responsibility. I have already mailed the check. The mentioned account has been closed since XX/XX/2019. Thank you for confirming that you can not provide me no additional assurance that there will be no additional " surprise invoices '' even though the account has been closed since XX/XX/2019. As a consumer, I am greatly concerned after our conversation that there may be another " future surprise invoice '' for another charge American Express decides to say I owe in two or three years. This is why you clearly refused, per our conversation, to put a letter in writing stating that the {$50.00} I remitted would permanently close this account even though it has been dormant for almost a year. You also mentioned that you report directly to the chairman and your word is final. I asked to speak to your manager and you told me you had none and reported directly to the chairman, Mr. XXXX XXXX. 
Please provide me the following : 1 ) The entire account agreement that I executed with American Express. 2 ) Any application I signed or approved electronically with the disclosures. 3 ) All written correspondence that you sent to me during the time I was a cardmember. 4 ) Please confirm that your address is XXXX XXXX XXXX, XXXX XXXX, NY XXXX and you work in Mr. XXXX 's office. 
I look forward to receiving these documents via XXXX XXXX by the close of business on XX/XX/XXXX. I remain, XXXX XXXX XXXX
Consumer complaint received 2022-10-07
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: Credit Center, LLC (SC)

I'm XXXX XXXX, I need your Help in contacting this company. I made an effort to contact them to find out who had opened an account in my name and why. I'm disappointed that this serious problem is now affecting my credit score. I don't allow anybody to use my name, birthdate, or any other details since it also violates data privacy. They need to identify the person who opened the account in my name and give them the data rather than me. Kindly help me in resolving this.
Consumer complaint received 2021-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sent a certified letter to all three bureaus asking for investigation regarding inaccurate Bankruptcy that was placed on my credit report. I respectfully as for them to provide proof of this alleged item, specifically the contract, note, or other instrument bearing my signature. I did not receive anything providing proof. Based on the letter that was sent back it was a little as three weeks from the date I sent my letter stating that this information was verified and accurate. I truly thought a real investigation was underway but it wasn't. I called and sent letters to the Bankruptcy Court, who explain to me in writing that they don't verify information with third-party companies, so how is it possible that the courts are the furnisher and I have in writing that they don't verify but XXXX and Transunion were able to verify information in less than three weeks. I believe that my rights were violated and I want some help with exposing this erroneous account off my credit report. XXXX did even give a course to even respond.
Consumer complaint received 2020-09-21
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Company A - Bank of America - reported when a fraudulent purchase put an unknown balance on my card and it became past due because the company failed to notify me. 

Company B - XXXX - put me over the limit with their own fees and never called me or emailed me to reduce the balance.
Consumer complaint received 2019-10-30
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Management Partners, LLC (VA)

Medical vendor neglected to file insurance claim as required by agreement with XXXX XXXX XXXX. They were informed how to do so no less than eight times. Now they are putting a collection on my credit accounts, which is fraudulent as they are in breach of their insurance agreement with XXXX
Consumer complaint received 2018-07-16
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NJ)

When i checked my experian account online, they dispute my XXXX credit card report, and they removed my fico score, i paid {$4.00} and {$19.00} for my credit increase but it goes down, they are telling me that if i will not update and pay them they will unlock my account and anybody can check it.. they are going scam not outside people but the inside who handle out credit. Its not fair.
Consumer complaint received 2017-10-19
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: EQUIFAX, INC. (SC)

I should not have to wait an additional 60 days to get inaccurate data off of my report with Equifax. How is this fair to me? I have already wrote a letter and mailed it to Equifax and nothing was done nor did I receive a response back. I feel I have waited enough time already. I was able to resolve it within 4 days with another credit agency. This is inaccurate and now I 'm being told it will take 60 days for the matter to be resolved. This is not fair please help XXXX XXXX XXXX {$130000.00} inaccurate never owed, please remove. I confirmed this with the IRS. 
COLLECTION # XXXX I called this agency they have no data on this. This is unverifiable, outdated and inaccurate remove COLLECTION # XXXX I called this agency they have no data on this. This is unverifiable, outdated and inaccurate remove
Consumer complaint received 2021-08-11
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: Resurgent Capital Services L.P. (TN)

I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties. This looks SUSPICIOUS AND DECEPTIVE ; I demand proof TO SEE valid authorization/proof of alleged debt. Reporting without valid proper disclosure requirements is in direct violation of my consumer rights. I XXXX XXXX, legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these regulations by the FTC U.S C41, et Esq. I am maintaining a careful record of my communication with your company.
Consumer complaint received 2020-06-02
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. (AR)

I was informed by my bank lender that I was not approved for a home equity loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.
Consumer complaint received 2020-05-07
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Io, Inc. (MD)

I have been making payments toward this debt for over a year. This debt collector adds interest to my account weekly, reports it to my credit weekly. Essentially, this debt can never be paid off, because everytime I make a payment, they add " interest '' to the account in the amount of the debt. I have paid over XXXX toward the XXXX debt, but now they are telling me my balance is XXXX. I asked for a copy of my statement showing payments applied as well as the interest applied and I am continually told that they have to talk to a supervisor to see if that's something that they can do. Even with the interest rate they told me of 18 %, it would be impossible for my balance today to be XXXX from an original debt of XXXX with the payments i've made. 

Today, XXXX after leaving several voicemails and then calling and refusing to be sent to voicemail, I spoke with Ms. XXXX. I asked her ( 1 ) for my balance - was advised it is XXXX ( 2 ) for the interest rate - was told it is 18 % ( 3 ) why it is being compounded and reported weekly - was advised she wasn't aware of that ( 4 ) for a copy of my payment history and statement - was advised she'd have to speak to a manager to see if they can provide that. 

She advised she was not able to provide help as to the interest even after I pointed out that this would not allow me to ever pay it off, if the payments are then added back as " interest ''
Consumer complaint received 2020-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (OH)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications regarding the investigation results. It has now been over 30 days. I filed a 30 day demand to comply with the credit bureaus and have yet to receive any response.
Consumer complaint received 2020-05-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

As you know we are in the middle of a pandemic people have been laid off or otherwise let go because of this situation. It seems however that Capital One bank doesn't seem to care about the well being of their clients as ive noticed that they have reported my credit card payment as late and affected my credit score by more than 60 points, I guess Capital One has no morals at all. This is completely unacceptable behavior.
Consumer complaint received 2020-09-21
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

credit cards keep reducing my limit after I pay a significant amount so that I wont be near the balance and i end up getting reported multiple times for being near or less than {$50.00} over my limit with no phone call, email or notification whatsoever.
Consumer complaint received 2017-08-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OH)

I was not notified by the company when my payment went from {$13.00} a month to {$170.00}. They did not inform me to why it skyrocketed $ XXXX+ a month. There is no way I can afford that and they never attempted to notify me to work something out. The company Navient has and will continue to take advantage of poor Americans. I do now understand how they can do this to someone without a letter or a phone call. This and other reasons are why they are facing multiple lawsuits. I am a hard-working American citizen and I do not deserve to be treated like this. Because I was not correctly notified about the extreme jump in payment I am now being told that I owe over {$340.00} when I had automatic payment set up for the {$20.00} a month that would cover the {$13.00} plus help pay down some interest. Thank XXXX they did not automatically take out the new and uninformed {$170.00} because that would have nearly crippled me financially as I am forced to live paycheck to paycheck. Please help me and let the lawsuits give Navient a taste of their own medicine.
Consumer complaint received 2019-10-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Mandarich Law Group, LLP (CA)

I was not served properly. when I got home on around XX/XX/XXXX my neighbor handed me two summons that she said were given to her by an un known person. I was not home so they gave them to her. I am never home at the same time as my neighbor he waited until he saw me. when I saw what it was it turned out to be a law suit. but by the time I got them it was long past the time I could show up to court. 
I don't think this is right. I am pretty sure that I would have had to be personally served and I was not. one of the summons was dated XX/XX/19and the otherXX/XX/XXXX I looked up both of the summons on line at the XXXX court house and both say that i was personally served. and that is not true. i was never served and when i got the paperwork it was long past the time i could show up to court. 
this is not fair business practice.
Consumer complaint received 2019-10-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP (TN)

OnXX/XX/2011someone open up a fraudulent account in my name with Elan Financial service goes by Card member service. I've reach out to the company numerous time requesting for them to send me legal documentation that the account belongs to me. I also ask the company to send me proof of my driver 's license and application were I did the application. Elan financial service will not send me any proof that i open this account with them. I have sent in a police report to the creditor bureau on my behalf stating that i have been a victim of identity theft. I fell that all my rights have been taking away from me because of this matter on my credit report. please help with this matter.
Consumer complaint received 2019-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Small Business General Correspondence Credit Card and Line of Credit Capital One Attn : Credit Card Fee Dispute Resolution XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX : Credit Card Late Fees Please Rescind Late Fees and Credit Service Reports We remain pleased with the services we are receiving through Capital One Credit Card Services. 

Please note an error in the credit card payment fees that we wish to address : We inadvertently made charges on two of our Capital One Business Credit Card accounts on cards that we do not use and in general, do not track. 

The charges on these cards should have been on another of our Capital One Business Credit Cards. 

The cards that were charged in error : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX The cards that we regularly charge on : XXXX XXXX XXXX XXXX Average of {$40000.00} per week in charges XXXX XXXX XXXX XXXX Average of {$1800.00} per week in charges With an annual charge on our Capital One Business Cards over {>= $1,000,000} annually and an unblemished payment record on both of these cards since XX/XX/2016 : Please Rescind the Late Fees and clear the Credit Service Reports on the late payments on the first two cards ( # XXXX, # XXXX XXXX. 

Finest regards, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-29
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: Experian Information Solutions Inc. (GA)

On XX/XX/XXXX XXXX XXXX reported a late payment on my account that they indicated was only 3 days late. But shows us 30 days late. My real concern is that I'm being discriminated against because I'm XXXX. And two years this is the first late payment that I have had on my credit report. My score was XXXX. Now it's XXXX. That is a tremendous decline in my score for just one late payment. I feel it was totally discriminatory and this would not have occurred to anyone else who was XXXX. I can not get an explanation as to why other than the system that's called XXXX score XXXX determines what my score will be. It took quite some time for me to get a score as high as I'd hand which was XXXX for it to suddenly decline to a XXXX. This should be a better way of informing a person why your score is affected so dramatically with no explanation other than blaming it on the computer system that they authorized. I think this is a direct violation to the US equal credit Act. Has been well documented at these practices have been done for quite some time when it comes to credit for XXXX XXXX  versus others. I'm hoping that you can help me in trying to resolve this issue with all three credit bureaus. I work very hard to establish my credit for it to be damaged so harshly with no cost. Once again I've only missed one payment in 2 years and my score drop close to XXXX points. I can see no justification for this action by the credit bureau. Please help me resolve this issue so hopefully it will not happen to other people. 

Thank you in advance for your assistance