davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-24
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. (NJ)

I just checked my credit report and saw some accounts that are fraudulent and have to be related to my identity being stolen. The accounts are reporting as XXXX, collection bureau, and XXXX and XXXX. This is impacting my credit in a negative manner. I do not recognize these companies nor have ever done any type of business with them.
Consumer complaint received 2017-12-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PHH Mortgage Services Corporation (TX)

I have tried to get a modification or forebearance or something to help me when I lost my job back in XXXX. I finally got a job in XXXX but was turned down twice for assistance. My problem is that twice I received letters asking me to send information to them so they can review for assistance. I am getting confused on what is going on. I feel I am being strung along. XXXX are and PHH are both not being honest with me on what is going on. I want XXXX XXXX investigated also.
Consumer complaint received 2017-02-24
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: PRESTIGE FINANCIAL SERVICES INC (NC)

On or about 2006 it 's been a long time now my wife and I financed a car through prestige financial services Inc a XXXX during this time we were residents of XXXX az. When the economy tanked we lost everything as many did including XXXX in 401k and this car our home everything even our job. We moved back XXXX lived with family and began the painstaking process of rebuilding this company has never let us rebuild they have haunted tortured threatened cost me a job where I was working a couple years back. And after well over ten years and not hearing from them for three of those they out of the blue send a garnishment to my new employer.in XXXX where garnishment for a car is not allowed! I spoke with the state attorney General today they are stopping this garnishment but the damage this has done with my employer is done. I was up for promotion now?
Consumer complaint received 2022-03-10
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A. (MD)

Hi, I applied for a Heloc for the amount of {>= $1,000,000} with PNC bank in XX/XX/XXXX. 
I was told the process would take around 45 to 60 days. Previously, I had a Heloc with PNC bank that I paid off in a few months. My expectation was everything would be the same since my credit rating is better and my bank is PNC bank. I was going to use the money to pay off some of my credit cards. Since I applied for the loan, I have pay off half of my credit cards, and I provided all the documents to the bank. I feel like I have been discriminated based on my previous loan which was back in summer of XXXX. My credit rating is much better and PNC should have access to my soft credit report since I am their own customer. My financial hasn't been change, my assets our stronger and my credit rating is better. I also have a better job since XX/XX/XXXX. I applied for the loan in XX/XX/XXXX and now is XXXX XXXX a lot has changed since I applied for the loan. I tried to escalate the matter internal but I haven't been successful. 
ordinary people such as me apply for a loan to pay down their debt and access to the capital shouldn't be monopoly only to a certain group of people. 
Thanks
Consumer complaint received 2016-09-04
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alliance Collection Agencies, Inc. (CT)

I visited a clinic run by XXXX XXXX in XXXX XXXX. I paid in cash for a throat culture. At the time I was living in XXXX. 
In XXXX XXXX I moved to the US and continued to use XXXX XXXX in XXXX for several things, paying in full with their online system. 
In XXXX XXXX I was moved back to XXXX by my company. I called XXXX and ensured all bills were paid. Everything was ok. 
In XXXX I received a bill for the visit in XXXX XXXX. I called to dispute it. In XXXX XXXX they turned it over to a collection agency. When I called this time they said they had been trying to collect since XXXX XXXX. When I proved further the lady on the phone said that the throat culture test I had did n't even cost this much and she would look into it. She never came back to me. I followed up in writing using their online system. They said they do n't have a record and as I did n't save the receipt ( from nearly 2 years ago ) I needed to pay. 
I followed up again with them and the collection agency to discuss in XXXX. Neither had record of the bill. 
Now in XXXX XXXX I am being contacted by another collection agency to pay this XXXX .
Consumer complaint received 2019-10-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (TX)

I called to close my bank account because I have moved states. I was told I could not close due to a monthly fee of {$5.00} that I had been charged for not using the account enough. This {$5.00} charge overdrafted my account by {$1.00}. I transferred {$5.00} to the account the same day and it posted the following day. Meanwhile, Union Bank began charging me an additional $ XXXX/day for a continued overdraft fee for 5 days. I transferred {$40.00} to my account again and called customer service. They reversed the overdraft fees and said my account would officially be closed at the end of the day XX/XX/XXXX, and the remaining balance would be mailed to my new address. I checked my account today and Ive been charged {$41.00}. {$2.00} remain in my account. I called and asked why Im being charged anything today when my account closed the day before and had no pending charges yesterday. The only information they could give me was that it was a branch charge, and they could give me more information tomorrow, but could do nothing until XX/XX/XXXX because the branch is closed. I do not understand why I would be charged {$41.00} if Im just closing my account. I have been trying to close my account since XX/XX/XXXX. It is beyond ridiculous at this point, all of these hidden charges.
Consumer complaint received 2019-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello I have been disputing inaccurate account information on my Student Loans with TransUnion for about five months now, since XX/XX/2019. They continue to updated inaccurate information. I have enclosed clear inaccuracies below. Please help me.
Consumer complaint received 2016-03-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Automated Collection Services, Inc. (NY)

My school loan went into collections a few years ago, XXXX ( XXXX XXXX XXXX XXXX ) was the first to contact me in XXXX XXXX after my bankruptcy closed a few months earlier. I have since made arrangements with them for repayment. I was also contacted numerous times by mail, phone and even my work place from ACSI ( Automated Collection Services , Inc ) which started about 2 months after XXXX contacted me. ACSI had NO accurate, up to date information on me, I had requested multiple times by phone, in writing for information on the loan they claimed to be collecting on-I never received any return calls or emails with this information. In XXXX XXXX I received a notice for wage garnishment from ACSI, I filled out the forms asking for a hearing, mailed back to them certified return receipt XX/XX/XXXX, they received it, but I have not received ANY updates or contact from them since. About a week after I sent the garnishment forms back a NEW collection agency-XXXX sent me a letter claiming to be collecting on the same exact loan as ACSI and threatening to take my federal tax return-again NO confirmation of the loan information. Both ACSI and Performant claim it is from XXXX XXXX XXXX ( I consolidated my loans with them after completing 1 year in school ) In contacting XXXX XXXX XXXX it was brought to my attention that ONLY XXXX handles the collections for XXXX XXXX XXXX. My Federal return for filing year XXXX has been confiscated with no advanced notice of this happening. I have not heard from ACSI or XXXX regarding any collections processes since XXXX, I have never received any confirming information on the loan they claim to be collecting on, the amount they claim I owe is equal to 5 years in school ... I went into a certificate program which was 1 year.
Consumer complaint received 2019-10-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Accounts Receivable Consultants Inc. (TX)

XXXX Unfortunately you closed the case without listening to me? 
I just received a letter from this company and I am sending it to you..that letter shows that this medical bill is not mine.The name is on the letter is not my name. 

THIS MEDICAL BILL IS NOT BELONG TO ME. 
AND THE PROOF IS ATTACHED.PLEASE RESOLVE THE PROBLEM. 
THANK YOU I sent you all the information under the case XXXX please look at it.
Consumer complaint received 2019-03-04
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN HONDA FINANCE CORP (FL)

My name is XXXX XXXX XXXX. I live at XXXX XXXX XXXX in XXXX XXXX, FL XXXX. My social # XXXX. XXXX/Honda financial is showing a lease on my personal credit report, one that is NOT in my name as borrower or co-borrower. I am however listed as a GUARANTOR on ( 2 ) XXXX leases. A XXXX XXXX and a XXXX XXXX. However, I am not a borrower or co-borrower. The ( 2 ) leases mentioned above are ONLY in the name of a business, which is " XXXX XXXX XXXX XXXX, XXXX " XXXX XXXX, myself and the dealer, XXXX XXXX, all have copies of the contracts that proves both of the above. Neither of these leases should be showing up at all on my personal credit reports unless the business were to default on the leases With XXXX/Honda Financial. I need swift help taking care of this with XXXX, as this mistake is causing severe damage to my credit report and debt to income ratio. 
Thank you XXXX XXXX XXXX
Consumer complaint received 2015-11-17
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (CO)

I contacted Wells Fargo to see if they could compete with an auto loan offer I received from a credit union. I was assured that they would be able to offer a loan at or below 3 %, I made sure this was the case before proceeding with the application. The loan was approved, but at 5 %, rather than the promised 3 %. I feel I was misled into applying for the loan that was not desirable.
Consumer complaint received 2017-10-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (IL)

Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX . XXXX XXXX, IL. XXXX ( XXXX ) XXXX Account # : 1. XXXX - opened XX/XX/XXXX-closed XX/XX/XXXX JPMorgan Chase & Co XXXX XXXX. XXXX XXXX XXXX, IL. XXXX Dear Sir or Madam : I am writing to dispute in regards to my checking account, which was closed without anyone telling me why? I opened acct. with Chase on the day mentioned above with the upmost of good intentions. My SSI check and my child support check is deposited monthly. I was wondering since XX/XX/XXXX why, would your bank chose to just close my account? I tried to pay a bill and my card was denied! So I called the bank and was told that my account was closed and, I will be notified by mail! But what happens to my direct deposit checks? How am I to get my money? I am a single mother with XXXX sons, I have bills to pay! Im a very honest person. I feel that someone in the bank should have set down with me and told me why my account was closed. 
If you are wondering what took me so long to contact you on this matter, the reason is I didnt know what to do. 
I would appreciate a response from you in writing or email. Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX CC : Consumer Financial Protection Bureau Federal Trade Commission Office of the Comptroller of the Currency Federal Reserve Consumer Help Center FDIC Consumer Response Center National Credit Union Administration
Consumer complaint received 2024-02-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (MD)

I'm experiencing issues with both XXXX XXXX and National Credit Adjusters, the collection agency that acquired the debt. Through my investigation, I discovered a loan opened in my name with XXXX XXXX in XXXX, which was never repaid. In XX/XX/XXXX, I received a credit notification about this debt, impacting my score significantly. Upon further research, I found that this debt from XXXX was sent to collections in XXXX, violating Maryland 's three-year limit for lenders to sue for a debt. The delay in selling the debt and reporting it has reset the 7-year term on my credit report. Moreover, XXXX XXXX wasn't licensed to lend in Maryland in XXXX. I've requested documents from the collection agency but haven't received any feedback yet.
Consumer complaint received 2016-03-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (IL)

I wish that the consumer fraud bureau review this complaint and act upon it, PLEASE DO NOT FORWARD IT to the XXXX organization for they did nothing. Ive been trying to get a modification of my mortgage with wells fargo home mortgage for approx. 2 years now. They committed fraud and intentional delays several times by not responding to me within the 30 days with either an approval or a denial. This I have proof of and wish it to be provided to the consumer fraud bureau as well..
Consumer complaint received 2022-08-05
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. (VA)

This is the several times I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 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 2020-04-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC (GA)

I currently owe {$150000.00} on my home. 

I called to get the PMI removed. They told me I need to pay for an appraisal since my LTV was not 80 %, I agreed and went through them using 3rd party company to get my home appraised. 

We both have official paperwork stating my new home value is XXXX. Putting my LTV at 78 %. 

They still refuse to remove my PMI. Now stating I would need to get my LTV down to 75 % before that happens. 

Reading up on my rights as a consumer, I believe I'm protected from this and this would be illegal to not remove PMI once I'm under 80 %
Consumer complaint received 2017-12-26
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: Experian Information Solutions Inc. (NY)

i recently found 6 fraud accounts has been listed to my credit reports to ( EXPERAIN, XXXX XXXX XXXX ) and also found address has been listed that 's i never lived there also wrong names has been listed too, i filed FTC report # XXXX and also i reported to local Authorities to XXXX # XXXX, the accounts listed below as : ( ( 1- ) ) -Account Name : XXXX Account Number : XXXX Date Opened : XXXX/XXXX/XXXX ( ( 2- ) ) Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX/XXXX/XXXX ( ( 3 ) ) - Account Name : XXXX XXXX XXXX Account Number XXXX XXXX Date Opened : XXXX/XXXX/XXXX ( ( 4 ) ) - Account Name : XXXX XXXX Account Number : XXXX Date Opened : XXXX/XXXX/XXXX ( ( 5 ) ) - Account Name : XXXX Account Number XXXX XXXX Date Opened : XXXX/XXXX/XXXX ( ( 6 ) ) - Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date XXXX
Consumer complaint received 2017-10-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MI)

Navient keeps ignoring my allocation instructions, as I am paying ahead on my loans. I write the instructions on a separate piece of paper when I send it in, and also call them before I mail the check with the instructions to put into the computer. They always say they are sorry and it wo n't happen again, yet each month I have to call back after I go online and see my payment has been allocated incorrectly. Dealing with them is 15-25 minutes of frustration each month.
Consumer complaint received 2023-01-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

In accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2017-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I have paid all my debt, accounts that were past due or closed. some were removed but others were n't. i wrote to the credit reporting and sent them copies of the letters I received that shows they were paid but nothing has changed
Consumer complaint received 2017-12-26
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. (CA)

I have paid all my debt, accounts that were past due or closed. some were removed but others were n't. i wrote to the credit reporting and sent them copies of the letters I received that shows they were paid but nothing has changed
Consumer complaint received 2017-10-01
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. (TX)

Remove it violated my rights Still XXXX refuse to pay me Experian not any better XXXX XXXX XXXX Lied so much said all kinds of XXXX protectionism that she should be fired Lies doesnt know what or how to do her job I wan XXXX associate to personal apologize for being a liar Violation of XXXX XXXX
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (IL)

I have reached out to Synchrony bank in regards to many fraud accounts. They refuse to remove any of the accounts from my credit report. The information is linked to a different state I have provided documents to the company multiple times! Im not getting anywhere its so sad that this is the way situations like this are handled in our country. They have allowed for multiple charge accounts to be open in my name and fail to help me absolutely wrong!!