davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NCB Management Services Inc. (GA)

Back in XX/XX/2020 I applied for a loan for a vehicle with XXXX. I had set up to even look at a car. I never went and never got a vehicle out with the company. They dinged my report with a XXXX loan. We discussed this would be about the car price as well. However nothing was taken out from the company. No loan or anything of this matter should be on my report. I have attempted to dispute this matter and they keep coming back with this is a legit report
Consumer complaint received 2020-07-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NY)

I have a credit card from Comenity Bank that is associated with Victoria 's Secret. I have had this card for over 7 years. Earlier this year, I missed the XXXX / XXXX payments on a {$50.00} purchase made at victoriasecret.com. In complete honesty, the past few months have been extremely chaotic and difficult due to Covid-19. I have always been a loyal customer and reliable and responsible with my payments, but while dealing with the stresses of recent times I unfortunately neglected to make the on-time payment for my purchase. I have since paid off the payment as well as the late fees on the payment.
Consumer complaint received 2020-07-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (PA)

I am a landlord. XXXX group offers the ability for my renters to ach their rent payments to me. My rental account is with PNC Bank. I attempted to set it up on my end. It starts with XXXX and to enter my PNC account I am redirected to sign in my PNC account. I enter my PNC username an password and then I hit a wall that says " PNC has made a change that prevents you from being able to link your accounts. '' XXXX suggests filing a complaint with cfpb. 
Surely there should be a paper form signup option until whatever issue is resolved.
Consumer complaint received 2020-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I am a XXXX year old XXXXXXXX XXXX student who is a victim of scam. I am a XXXX XXXX and I discussed via phone a business transaction involving performance and or ownership rights to some of my XXXX that I was willing to sell. We agreed on a price and the transaction/deposit was completed. I informed him that I would wait for the monies to be received and get clearance from the bank to legitimize the check before I would give authorization to my XXXX. The check was immediately placed on a hold and I never had access to the funds and I had no knowledge of the check being counterfeit nor would I know what one would look like. I assumed that if there was an issue with the check, the bank would notify and or assist me, but nothing was said or done until it was too late. I acted on good faith, being young and naive, and suffered great consequences. A few days later I noticed that the check never posted to my account and was in fact charged back/returned to the sender and shortly after, my Bank of America account was locked. I called the bank to inform them what was taking place and I received no help or resolution regarding the matter by various representatives. My account was then closed and I have been treated as if I were not a customer, or victim in the matter. I was completely oblivious to what was ensuing and I would never partake in any fraudulent and distasteful acts such as this. I have not been treated fairly nor assisted in any helpful manner by Bank of America. This is my last resort option to try and remove this heinous crime affiliated act from my consumer/credit report accounts. I pray that this be of some help to me to resolve this matter so I can carry on with my life. Thank you.
Consumer complaint received 2018-02-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (NC)

XX/XX/2018 at XXXX XXXX COMPLAINT ON MERCANTILE ADJUSTMENT BUREAU,  XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, New York XXXX, XXXX, XXXX ext. XXXX 1. Experience - I have received repeated and frequent telephone calls on my home and business phones from the Mercantile Adjustment Bureau regarding a debt owed. I don't owe ANY money on any account that is associated with Mercantile Adjustment Bureau, and there is NO REASON for this company to call me regarding a debt.

2. No Accounts - I do not have any accounts that I know of that are associated with MERCANTILE ADJUSTMENT BUREAU.

3. I have communicated by telephone with MERCANTILE ADJUSTMENT BUREAU, that, I do not have ANY business with them, and there is no reason for them to harass me with ROBO calls to my home and business for a debt, for which they will not identify!

4. I have not received any written notification of any delinquent, passed due or in arrears accounts from MERCANTILE ADJUSTMENT BUREAU for any account ( s ).

5. I am submitting my telephone log with dates and times of the calls.
Consumer complaint received 2020-07-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION (GA)

My personal information was used without my authority or knowledge to to open several fraudulent accounts as follows : XXXX XXXX ; XXXX XXXX XXXX FL XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX Date Opened : XX/XX/XXXX Amount : {$1600.00} XXXX XXXX, was notified on several occasions by via phone that the above debt was due to identity theft but they continue to attempt to communicated with me concerning the alleged debt and fraudulent account. Federal Trade Commission Identity Theft Complaint was also made. 

Navy Federal Credit Union XXXX XXXX XXXX XXXX, XXXX, VA XXXX ( XXXX ) XXXX Date Opened : XX/XX/XXXX Amount : {$3200.00} Navy Federal was given multiple notifications regarding the accuracy of this account which was created due to theft of my identity. However Navy federal keeps violating FCRA by reporting inaccurate information onto consumers credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX ( XXXX ) XXXX Date Opened : XX/XX/XXXX Amount : {$1400.00} XXXX XXXX XXXX, has stolen the consumers identity and has been using it with authority and or consent to trade and sell consumer information.
Consumer complaint received 2020-06-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NY)

On XX/XX/XXXX I set up bimonthly payments with Specialized Loan Servicing on the SLS.org website. 

On XX/XX/XXXX SLS withdrew {$1400.00} via ACH for 1/2 of the XXXX mortgage payment. 

On XX/XX/XXXX SLS withdrew {$1400.00} via ACH for the second 1/2 of the XXXX mortgage payment. 

For unknown reasons SLS did not withdraw either of XXXX XXXX ACH payments and did not notify me until XX/XX/XXXX that my XXXX payment was late. In the notification letter they listed a next payment due date of XX/XX/XXXX for a total amount of {$2400.00} and a late charge of {$72.00} inferring that the XXXX payment was late. ( As stated above SLS had withdrew both XXXX debits. 

After 4 separate requests SLS is refusing to reverse the late charge claiming that they had already dismissed a previous late charge in XX/XX/XXXX. 

I don't feel that I should be responsible for this or any late charge as I paid the XXXX payment via ACH and it was SLS 's fault that they didn't process the XXXX payments via ACH.
Consumer complaint received 2021-08-08
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: SYNCHRONY FINANCIAL (NC)

Syncory bank HSN card shows 30 days late XXXX and XX/XX/2019. During time didnt have account with them tried numerous times to get them to fix credit report. Please remove late payments from credit report
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2021-11-05
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I submitted a claim with Bank of America on XX/XX/21 because I was unable to make purchases at 2 different merchants. Once I called I was told I had a balance of XXXX cents and I knew I had a balance of {$240000.00}. I gave the rep my information and was told that I would receive a call in 2 days. That never happened so I called back and was informed that the claim was never submitted. At that point, I lost all trust. I called the next week and was told my claim was submitted for {$750.00} and that was the wrong amount. Its been a nightmare since that point. I have spoken to at least 40 reps, supervisors, and managers. No one is consistent with their information. I have emailed, texted, and direct messaged Bank of America. I have asked for a corporate number and they respond by saying there is no such number. I have gone into the Bank Of America branch and they informed me that they can not help me because it is my unemployment card. I spoke to ( 2 ) people on XX/XX/21. XXXX who is a manager and XXXX who is a supervisor and they assured me that an escalation had been submitted after having being told by at least 10 other reps that it had already happened and that the disclaimer states they have 30 days to respond to it and return my money. I have been credited {$1200.00} but am still owed {$1100.00}. I spoke to a supervisor today named XXXX and she told me they are still working on it and can not assure me of the XX/XX/21 deadline they assured me of on XX/XX/21. I have exhausted all my resources trying to resolve this and Bank of America has been lying to me since XX/XX/21 and the investigation proved my account had been compromised of XXXX XXXX in the amount of {$2400.00}. My bills are beyond behind and they continue to spin their web of lies and make mistake after mistake after mistake and I feel they are purposely doing this and will not release the remainder of my money. They also submitted at least 30 complaints that are probably sitting on a desk somewhere.
Consumer complaint received 2020-07-15
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. (CA)

I have attempted to remove two accounts off of my credit two times via certified mail. XXXX, Experian and XXXX  have not helped me at all! I am seeking to get this resolved. I think my identity was stolen or I was hacked because these accounts arent mine.
Consumer complaint received 2020-07-15
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. (TX)

I FILE A FTC REPORT AND REQUESTED THAT THEY BLOCK THESE ITEM AND DELETE THEM THEY TOOK OVER 45 DAYS WHICH IT SHOULD BE 4 BUSSINESS DAY ONCE THEY RECIEVE THE ITEM AND THEN MAKE THERE DECISION I ALSO SENT LETTER TO THE CREDITORS AND THEY ALSO SENT ME NOTHING BACK
Consumer complaint received 2020-07-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Emerald AR Systems, LLC (CA)

I am a member of XXXX and not supposed to be billed for medical bills covered by XXXX or  deductibles. XXXX XXXX billed me for {$43.00} and I explained this to them. I gave them both my XXXX  and XXXX   information. They sent me to collections with Emerald AR Systems. I contacted XXXX at Emerald AR Systems on XX/XX/2020 and explained I was XXXX.
Consumer complaint received 2020-06-29
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently submitted a complaint for items that are not mine and was informed that it was closed due to being sent by a third party. I have attached the notarized affidavit to show that I am doing this on my own behalf. Please reopen complaint numbers XXXX, XXXX and XXXX to remove and block these items.
Consumer complaint received 2020-06-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Lending Club Corp (MO)

Lending club offered 2 month deferment of payment which includes principal and interest to be deffered to back side of loan. These 2 months were for XX/XX/XXXX and XX/XX/XXXX payment. XX/XX/XXXX I made my payment and all {$920.00} was applied to principal. I called and they were going to get this resolved. Nothing happened so I called back about middle of XXXX and said it was still showing interest. They made lots of notes, put me on hold, called other departments and said they would get this figured out. Today I called because I logged onto account and my XX/XX/XXXX payment is showing {$760.00} went to interest and {$160.00} went to principal. the rep said it was because I skipped 2 payments and that the next 2 collects the interest. The first 2 reps on XX/XX/XXXX and the XXXX never said any of this and I have a letter dated XX/XX/XXXX that sais *Extended loan term : The term ( length ) of your loan will be extended to account for any deferred payments and interest accrual. Interest will continue to accrue daily on your outstanding principal balance as outlined in your truth in lending disclosure. 

So it looks like for XXXX and XXXX they charged me {$1600.00} of interest.. This is fraud!!! My interest for a normal month is {$430.00} so 2 months should have been roughly {$860.00} and even that should be at the back of the loan. 

The rep today had incredibly strong accent so very hard to understand but I still understand that this is an absolute rip off. Taking advantage of covid times should be illegal.
Consumer complaint received 2020-06-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Perfection Collection (NJ)

My name is XXXX XXXX XXXX have noticed a negative balance on my credit report I call my credit bureaus and the company that place me for collections the company stated that the account is me I have try to file a police report but the precinct is giving me a round around I told them that its not me they still keep posting this negative balance on my report
Consumer complaint received 2020-05-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Consumer Portfolio Services, Inc. (CA)

I purchased a XXXX XXXX XXXX on XXXX XXXX XXXX and Consumer Portfolio Services financed it. I am an XXXX XXXX XXXX and my work stopped as soon as the shelter in place order went into affect. I told the lender what happened and that I would be signing up for unemployment. They have called me every day including Saturday 's since then. In California Self Employed people could not even sign up for unemployment until XX/XX/XXXX. I told them that calling every day was harassment and to stop. They gave me an extension on XX/XX/XXXX but my account was immediately overdue the following day and they started with the calls every day after that. I still have not received unemployment or my stimulus check. I don't know if what they are doing is illegal, but it is a terrible way for a business to behave during a national crisis
Consumer complaint received 2018-02-02
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. (NY)

There was some fraud made on XXXX XXXX  XXXX as someone tried to make accounts under my name. XXXX XXXX XXXX said they would tell transunion to remove the following the hard pulls as I did not authorize them. Transunion also said they would remove them. Both companies have nothing removed them and they are still on my file. 

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2015-11-19
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: Onity Group Inc. (CO)

I am frustrated at the general consensus that mortgage companies are allowed to collect their interest upfront and not refund the money back if the loan is paid off early. Why are mortgage companies allowed to collect interest on money that has not been lent. Meaning that they should only be allowed to charge interest on the loan as it stands current. Not collect the interest on a note based on 30 years even if it is paid off in 5. I just think that as consumers the mortgage companies should be giving us a choice.
Consumer complaint received 2021-02-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (WI)

On XX/XX/2019 my truck was totaled. The insurance company decided to total it out due to the air bag and the damages. A week later my insurance company paid the blue book value of the truck with the miles that was on it. I had to go back and forth with XXXX for 2 months so to get them to pay the remainder balance. Then once that was done. I get a bill from them stating I owed them {$1800.00} I called them trying to figure out how. It seems like since the pay out wasn't payed all at once they kept the number rolling. I made sure they got their money before i even go a car myself. Putting all my energy into making sure they got theirs first. I was hurt in the accident and still going threw pains and issues from the accident. I need you to look into my situation about this matter at hand. I can look for paper work to support my case at hand to prove all thee above stated is true. I really need you guys to make right by this situation.
Consumer complaint received 2020-07-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC. (LA)

IQ Data International, representing XXXX XXXX XXXX, is reporting that I owe their client {$3300.00}. This is false. 

I called them and they told me to dispute this with the three credit bureaus and have them deal with it. It refused to acknowledge any responsibility even after I submitted the last four of my ss number ( XXXX ). 

I respectively submit this complaint and ask that the reported account be removed AND that IQ Data is  reported as being uncooperative.
Consumer complaint received 2020-06-29
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: WELLS FARGO & COMPANY (AR)

In XXXX of 2019, I went in to get an auto loan. The dealership ran my credit and long story short, I left with a newly purchased vehicle. A while later when my credit report updated, I expected only to see one hard credit inquiry, but instead I saw a total of 5 hard credit inquiries added to my report for the same thing. Based on some advice from realtors and colleagues, I should be protected from multiple hard credit inquiries for the same type of inquiry on the same day. 

The inquiries are as follows : XXXX XXXX, NC XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX, TX XXXX  XXXX XXXX, MN XXXX  XXXX, TX
Consumer complaint received 2018-02-02
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

There was some fraud made on bank of america as someone tried to make accounts under my name. Bank of america said they would tell XXXX to remove the following the hard pulls as I did not authorize them. XXXX  also said they would remove them. Both companies have nothing removed them and they are still on my file. 

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2018-02-02
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. (NY)

XX/XX/2017 I am being hit with a hard inquiry from XXXX. 
This was fraud as I did not apply for one from them. 
I was told this inquiry would be removed and still hasn't transunion and XXXX were also gon na remove it but still have yet to do so.
Consumer complaint received 2015-10-02
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (FL)

I bank with Citibank. 
On XXXX/XXXX/15 my balance was {$8.00}. 
On XXXX/XXXX/15 Citibank charged a monthly banking service fee of {$12.00}, which made my account overdrawn. 
On XXXX/XXXX/15 Citibank charged me a {$34.00} overdraft fee, because of the Citibank service fee charged to my account overdrawing the account. 

Is this legal? 

Below is the end of my live chat conversation with Citibank? 
Is what they are saying true? 


XXXX : at XXXX, please repeat the stance of Citibank when it comes to Citibank service fees overdrawing an accountNoble : at XXXXXXXXWhenever an account is overdrawn, account will be charged with the Overdraft fee of {$34.00} on the next business day. You can avoid the overdraft fee of {$34.00} by enrolling into our Overdraft protection. 
XXXX : at XXXXXXXXAnd that will also occur when a customer has a positive checking account balance, and then a Citibank service fee is charged that makes the account become overdrawn? 
XXXX : at XXXXXXXXYes, Overdraft fee will also occur when the account is overdrawn due to service fee.