davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (PA)

On  XXXX   XXXX  I went online to p ay one of my mortgage  payments. I saw that at the end of the transaction the amount was {$5.00} higher than my normal payment, but I had already pushed the end button. So I went back into the site the next day and looked and it showed I had paid the normal amount.   When I checked my bank account it showed {$5.00} additional. So I called them last night but they were closed. But there was a recording that said as of  XXXX   XXXX , there will be a   {$5.00} additional charge to submit your payment online.
1. I was NEVER advised in writing that his charge was going into effect.
2. This is NOT what I signed up for. Not part of our original contract and I feel it is illegal to do this now.
this is Carrington Mortgage Services, LLC   Thank you
Consumer complaint received 2021-03-28
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: T.S. Holdings (AK)

Received a phone call on XX/XX/2021 called refused to use identify themselves until I stated my name. Once I validated my name they continued and claimed to be from a bill collecting agency and was calling in regards to an old balance from a past rental company for {$2200.00} and that if anyone else was in the room the call would be ended for security purposes. I informed them my funds come from my work and I would have to wait for each paycheck through the month of XXXX to pay the whole bill. That was unacceptable so I agreed to pay XXXX on XX/XX/2021. After that amount was transferred we agreed on XX/XX/2021 for the remaining amount to be processed. Due to lack of funds it bounced and I received a phone call on XX/XX/2021 and while I was trying to calmly and politely explain the situation and give a definite date for the payment I was yelled at and my credit threatened then at their mercy I was transferred to another person and told to get a payday loan. XXXX when I had called them upon their answer laughing was heard and thereby breaching the security and legitimacy of the company claims. 
*I have never received a letter claiming the outstanding bill or services are legitimate.
Consumer complaint received 2017-06-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Premier Portfolio Group (MD)

this company, Portfolio Group, at XXXX calls me repeatedly with different numbers claiming I owe a debt for a bad check from 2010. I have asked for them to provide proof of debt via US mail and they respond that they will be sending a process server to my workplace and will notify my boss and serve me and sue me.
Consumer complaint received 2017-06-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

do not think I enjoy or have time to keep filing complaints but much remains unresolved. number one I  do not have as I previously requested the NOI from XX/XX/XXXX. I was sent one from XX/XX/XXXX when forclosure was never filed and I never got that either. Do not make allusions in your answer to the amount of complaints I file. I never have time for the horrible, untimely service you provide. Non specific and evasive. I submit there is none since I received nothing. Do not tell me to contact the law firm. Appropriate legal filings have been filed. Do not send me previous responses as all are not effective. Just like the one you will send here. I want NOI frpom XX/XX/XXXX that was sent to me supposedly that I never got. Its supposed to be sent certified mail. I submit I received nothing.Additionally, I do not understand the property tax explanation in the last response and want to know that what I sent in was applied exactly what is short in terms of what is short if I was current which I realize I am not. do not in your responses as has been done previously send me copies of previous answers this does nothing but annoy or tell me to call the foreclosure mill you are working with. Both are ineffective responses. For the record, while I called the home preservation specialist many times to cooperate with loan modification process and to receive clarity for what is needed. I never heard back. NEVER with messages left XXXX XXXX
Consumer complaint received 2017-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (NC)

Obtained a car loan wi th Credit Acceptance Corp  in  XXXX   XXXX . Was involved in a motor vehicle accident in  XXXX   XXXX . Car was totaled. Credit acceptance Corp received check fro m Insurance Company (   XXXX   ).  A few moths later they sent a letter requiring me to pay additional balance ( around {$2500.00}  ). I s aid I would as long as they returned car to me since they had car and also the insurance pay off. They refused to do so. Finally ion  XXXX   XXXX  I gave up and agreed to a settlement. Paid {$1600.00}.  Credit Acceptance  was still reporting me to credit agencies  XXXX   XXXX . I want the late payments removed from my credit reports since it was settled and the reason I was not paying was because I was disputing.
Consumer complaint received 2018-03-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kimball, Tirey & St. John LLP (OK)

I moved into an apartment in XXXX XXXX and when my lease was up I moved out. The apartment manager or owner is attempting to collect a debt for what I assume is repairs or something to the apartment but when I moved in I paid a security deposit that should have covered it but they are claiming I owe them over {$800.00} which is impossible. I filed a dispute twice with XXXX  and my disputes went nowhere. I was never given documentation proving I owed them this insane amount of money and never returned my security deposit so this needs to be taken off of my credit and XXXX isnt giving me good results.
Consumer complaint received 2015-08-19
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (CA)

Santander Consumer USA has reported on my credit report that I have XXXX late/missed payments on my 72 months loan term. I have made XXXX payments on time and requested deferment of XXXX payments when I was injured at work. The deferment was approved and fees were charged for this request. The company has reported my payments as being past due since that request. Car was recently stolen and insurance made large payoff for loan and the payment was misapplied several times causing the balance to go down and then back up and no one can explain what happened. After XXXX payments at {$480.00} per month on a {$16000.00} loan - somehow I still owe {$11000.00}.
Consumer complaint received 2024-02-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (CA)

This is so annoying & frustrating. Ive sent Equifax multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Equifaxs responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX - XXXX XXXX  XXXX, XXXX - XXXX XXXX XXXX, XXXX - XXXX XXXX XXXX, XXXX XXXX - XXXX XXXX XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX. Please remove ASAP.
Consumer complaint received 2017-06-07
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: PNC Bank N.A. (TN)

My wife and I have had an had a joint checking and savings account with this bank since  XXXX , no w owned by PNC. We have an overdraft protection account with a {$1000.00} limit. We have a PNC Point Visa Signature CC and a PNC Core CC both with automatic payment set up. On three occasions CC payments were automatically drafted and the balance in the checking was insufficient -- at which point overdraft protection should have covered the amount of the difference. Instead, PNC did not honor the payment resulting in late fees totalling {$85.00} and negative marks on our credit score. They are as follows : PNC Cor  e  XX/XX/XXXX   Late Fee {$25.00}  PNC S ignature   XX/XX/XXXX   Late Fee {$25 .00} PNC Si gnature  XX/XX/XXXX Late Fee {$35.00} I spoke with a  PNC account representative who told me that PNC 's policy is not to allow overdraft to make payment if it is to another PNC credit product and they would not remove the late fee. Obviously, we have OD protection for just such instances and believe the payment should have been honored.
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Also, I should note that in all the year 's we have had OD protection and PNC CCs this is a new to us happening and believe it is a recent change in PNC policy made to unfairly collect more interest, penalties and fees on the back of their customers.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

A data breach at XXXX XXXX that unfortunately was a part of, a financial software provider, compromised the name, address, date of birth, Social Security number, and other account information of XXXX deferred compensation customers whose accounts were serviced by XXXX  XXXX XXXXThe breach occurred XXXX XXXX, according to the letter, and XXXX XXXX notified XXXX XXXX XXXX about the breach on XXXX XXXX. This caused me to occur late payments and new fraudulent accounts to appear on my credit report because of the identity theft that effected me during this time
Consumer complaint received 2022-03-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc. (FL) (AL)

Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Wheres my HIPPA release form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through.

Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Consumer complaint received 2017-06-07
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: EQUIFAX, INC. (MS)

On the dates of  XXXX / XXXX / XXXX  and  XXXX / XXXX / XXXX  I have unrecognized inquiries from the following company :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , DE  XXXX  (  XXXX  )  XXXX  I have sent a letter to address listed on  XXXX / XXXX / XXXX  but have yet to receive a reply.
Consumer complaint received 2017-06-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (FL)

This collection has been placed on my credit report however, I have no account with this company, nor the company they are saying that I owe. They say I opened an account in XXXX 2017 and currently have an open balance. This is completely false. There is very little detail on my credit report about this and as I do n't have an account with them, I do n't know anything more than what they are posting. According to my credit report it says : Diversified Consultants Opened XXXX XXXX, 2017 ( 3 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX
Consumer complaint received 2022-03-03
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. (PA)

I submitted an identity theft report to Equifax # XXXX. I have been incarcerated for 15 years, and have no knowledge of the fraudulent accounts on my credit file. I will attach proof of my incarceration. An extended fraud alert was placed on my credit file but the fraudulent accounts remain on my credit file. This is a direct violation of my rights as a consumer under FCRA.
Consumer complaint received 2017-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (IL)

Citibank switched over the credit card numbers from an old number to a new number due to security issues with their system. During this transition online payments were not possible. I called in to make a payment and was told that they could not accept a payment but when the card number transition was complete I could do so. But then Citibank  Charged  a late fee.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2022-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (NY)

Attempted and filed claims with the bank and local branch, with little to no help to get my money/funds back. 

I had used my TD account to fund these purchases, which were all considered pre-orders for physical goods. TD debit card, visa card. The expected delivery date would vary depending on when I purchased but stated 4-5 months after public release. 

Please refer to visa card rules : XXXX XXXX XXXX Says the bank investigated the dispute claim but now has wrongfully decided to reverse any funds given back to me. 
Case : XXXX Includes multiple transactions relating to my personal TD Bank checking account : As posted on my statements ( all relating to the same merchant - XXXX XXXX ) XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX ( {$3900.00} ) XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX ( {$640.00} ) XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX ( {$660.00} ) XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX ( {$190.00} ) XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX ( {$660.00} ) Please reach out to the necessary personnel at the TD Bank HQ and/or me if any other information is needed. 


I would like to get this resolved and receive my funds back.
Consumer complaint received 2017-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank (TX)

Last month my acco unt with First Progress wa s frozen due to my mail being returned back to them because the post office placed my mail in the wrong mail box. Because of this my account was frozen and I was unable to make a payment on my account until they resolved issue and unfroze account. Once they unfroze account I made a payment but it was already to late they reported my account late to credit bureaus. I called and spoke to customer service and they told me to write a letter in to correspondence office and they would take care of issue. So I did that but correspondence office says it is not their fault so they will not remove. The issue is not my fault either because FIRST PROGRESS froze my account I couldnt make payment. How is that my fault? They should not have froze my account.
Consumer complaint received 2023-04-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

im unable to add my card to XXXX XXXX and XXXXXXXX XXXX. i can not get XXXX via sms or email. i called customer support to get them to manually activate XXXX XXXX. they said they can not do it and i need to contact XXXX. i already contacted XXXX, they said they have no control and its the bank that needs to activate XXXX. and that is correct. I called hsbc many time, they are no help. 

I also called many times to have the hsbc relationship team to call me. several requests were made, but no contact from them
Consumer complaint received 2022-09-07
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: EQUIFAX, INC. (TX)

Ive contacted Equifax to advise them that there was an account opened and inquires that I didnt authorize on my credit report and the issue have not been resolved. I am a victim of identity theft. I do not know who the person is but I didnt authorize anyone to open an account in my name or run my report.
Consumer complaint received 2017-10-16
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Consumer Financial Protection Bureau ( CFPB ) this is my ongoing attempt to resolve and correct this injustice. Attached are the Denial Notices that should have been offered with Complaint XXXX. These Notices will be added to the already numerous amount of Credit inquiries that currently exist on my Credit History Report which I have been told will remain on the Report for a period of ( 2 ) years. The Credit Denial Notices are based on unlawful and outdated information that was supplied by one of the Credit Reporting Agencies (  XXXX XXXX, XXXX and Experian ). The behavior of these agencies is causing additional inquiries to be posted to my Credit History. It has been my experience that these agencies take turns sharing erroneous information acting out and a reflection of their own prejudices. For the record the Denial Notices indicated that the Creditors supplied with Credit History information indicating that there are and was Delinquencies, public record or Bankruptcy. This incorrect and erroneous information was supplied and offered by Experian. Many attempts have been made to clean and correct the Credit History File over the past 10 years, what Experian claimed took place almost ( 40 ) years ago and the sharing of that information was irresponsible, irrelevant and prejudicial. However what occurred was a Bad Creditor forced me into the Delinquencies and Bankruptcy and for the record I want except or tolerate any Creditors who hide behind bogus agreements and faulty merchandise just like Credit reporting agencies who erroneously and falsely share unlawful and outdated information. The Denial Notices offered the erroneous explanations for why the Credit Applications were DENIED however the bad behavior of XXXX XXXX, XXXX and Experian failed to stop or discourage XXXXXXXX XXXX from approving the $ XXXX Loan. XXXX XXXX approved the vehicle Loan Applications withstanding the current false and erroneous information that was offered by XXXX XXXX, XXXX and Experian.
Consumer complaint received 2022-03-03
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: Experian Information Solutions Inc. (NY)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-03-03
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

XX/XX/2022 all account I have with Wells Fargo are on a hard hold and have been for 7 day and still I have no $ $ $ I will not be able to pay any of my bills. 
1 account has over {$3000.00} in it 1 had {$20.00} 1 had {$50.00} I have been on the phone with Wells Fargo all day and I can not get any answers or my money