davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (MD)

There are XXXX overdraft fees on my account due to a XXXX charge of {$5.00} that is set up via XXXX that should have used my XXXX balance instead of this funding source ( which I currently have a dispute ). There is also a XXXX charge of {$45.00} that was supposed to be paid in cash but when the cashier scanned my XXXX XXXX XXXX she said it automatically charged the XXXX  debit card that is linked to my bank account. I called PNC Customer Service today and I was advised that the fees could not be waived because service fees had been previously waived. The rep was only able to tell me that the service fees were from XX/XX/2018, however, I had issued with my account during that time and I was advised that the free checking had been switched over to a monthly fee checking acct. The representative advised the monthly charges would be waived and my acct was switched back over to a free acct at no fault of mine. The XXXX overdraft fees have caused my acct to go further in the negative. Please refund the XXXX overdraft fees totaling {$72.00}.
Consumer complaint received 2020-01-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FEDChex Recovery, LLC (CA)

In XXXX of XXXX I ordered some supplements from XXXXXXXX. Upon receiving the products it was discovered that I was allergic to some of the ingredients in the product. I sent an email as well as called the company and informed them that I needed to return the product. I obtained a RMA # and sent the items back. After not receiving the refund I was due I contacted them several times and inquired about the status of the refund. I was told that the refund would be given as the product had been received. I did not get a refund so approximately a month later I filed a dispute with my credit card company. My credit card company then notified me that XXXX had not responded so I was given the refund back to my card. In XXXX of XXXX ( 2 years later ) I received a call and a letter from a collection agency trying to collect on the charge back amount. I responded within the required time frame and received another email on XX/XX/XXXX stating that XXXX is now claiming they never received the product back. I thereby went onto my XXXX account and looked at the history and it shows my order was canceled and that no other orders were mailed out. XXXX has no right to try to collect on a debt not owed to them. I returned any product ever sent to me and have not made any other orders since. XXXX is threatening collection and negative credit reporting in the use of their vendor they are using as a collection agent. They have failed to provide any proof of an order coming to me and also have failed to document the numerous calls I made them asking about the refund status. They also failed to respond within the 60 days required when my bank originally reached out to them when I filed the dispute. XXXX should be barred from collecting on the debt as they failed to respond in the 60 days originally and for two years never communicated with me directly. For them to hire a vendor who is attempting to collect a debt not owed to them is in violation of FDCPA, UDAAP and Reg E.
Consumer complaint received 2018-02-07
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. (AL)

I contacted XXXX 's about my account not being credited, I was advised by the credit department that they would find out why my account was not credited for the return and make contact with me. This was in XX/XX/2014, I checked my credit report last year and noticed the collection and began filing disputes. 
I submitted two disputes through XXXX, XXXX  and Equifax reference to a creditor XXXX XXXX XXXX XXXX XXXX, WI XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify- through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. This account was closed due to the item ( XXXX ) was returned to the company back in XX/XX/2014 and the Account was never credited, as a matter of fact the XXXX   amount was {$350.00} and this company is still showing a past due amount of {$120.00}. I demanded verifiable proof from the consumer with my signature on it on what I am being charged and as of this date I have not received anything, only confirmation from XXXX that the company notified them that the account was accurate and has not provided any documentation which a violation of the Fair Credit Reporting Act is, Section 609 ( a ) ( 1 ) ( A ). 
XXXX failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I am requesting that XXXX be investigated. 
Regards, XXXX XXXX.
Consumer complaint received 2021-05-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

im just trying to fully verifiesd my paypal account and to connect to my acount no. and XXXX .. the day after XXXX XXXX they Hold my paypal account with in 180days .. i can't use it to transact my money XXXX my email linked to my paypal is XXXX XXXX
Consumer complaint received 2021-01-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc (MN)

I been receiving harassing, abusive, threatening phone calls repetitively from Hunter Warfield , Inc . Call Center Debt Collection Representatives for a collection account that is not my account and is the result of identity theft. Hunter Warfield representatives has been harassing me, using abusive and obscene language and making threats of violence and death against me for a collection account thats fraudulent, not my account and is the result of identity theft. The following collection account is fraudulent and not my account : Hunter Warfield , Inc., XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/2019, {$6200.00}. Hunter Warfield , Inc., is in complete violation of the Fair Debt Collection Practices Act ( FDCPA ).
Consumer complaint received 2022-09-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections XXXX09 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2021-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

I want to bring to your attention a great injustice done to me by my mortgage company XXXX XXXX ( actually XXXX  ) by reporting me to XXXX XXXX with a fake late mortgage payment. 
I have my mortgage on my condominium since XX/XX/XXXX and I paid every month in time. NEVER missing a payment or being late!!!! Working hard for over 10 years to build a great credit score of XXXX!!! 
In XX/XX/XXXX I received my last mortgage statement XXXX XXXX my principal being XXXX ( XXXX! ) $ after I made the payment in time. In XX/XX/XXXX I contacted XXXX for payoff, I send a cashier check of XXXX in XX/XX/XXXX if XXXX. 8 days later I found that the cashier check is lost and I cancelled it and send a new one XXXX in XX/XX/XXXX of XXXX. I also send it to you the received and the trucking number for the cashier check. 
With shocking surprise I receive in XX/XX/XXXX another bill for mortgage payment in sume of XXXX XXXX 
When I talk with them over the phone they told me that is a mistake, that the system is still generating mortgage payments because my mortgage maturity date is XX/XX/XXXX. They also told me that I should disregard the bill and that they will fix the system and I will no receive another bill for mortgage payments!! 
After weeks of talking with XXXX  on the phone, more than 14_15 phone calls and hours spended with them on the phone, I found out that they actually reported me beeing late and they XXXX my credit score from XXXX to XXXX now!! 
Is a big injustice!! Is fake, stressful and very dissatisfied after years of payments in time!! 
I consider XXXX beeing very unprofessional, fake, untrue, never looking for facts or verify the payments, just spreading fake informations. I will never look forward to deal with them for any other loan, never recommend them to anyone!! 
Please fix my credit score or I will look for justice in court. Just check all the fact and bring the true to the life. 
Thank you! 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX IL XXXX XXXX XXXX Loan number XXXX
Consumer complaint received 2018-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (MO)

Fell behind on payments due to wife 's family illnesses. Called bank to work to get back on track and arranged a payment schedule to catch up. Made the payments and actually paid {$5000.00} which was {$4000.00} more than I was behind. I was never told by bank representative that the card would forever be closed when sorting out a payment schedule. In fact, I believe the representative stated that once I get back on schedule and card is out of collections I should call and ask to have the APR reduced to the prior APR.
Consumer complaint received 2018-02-07
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (FL)

In XX/XX/XXXX, my online Navient account advised that I didn't need to make a payment till XX/XX/XXXX. No reason was given. To be clear, I didn't ask to delay payments. In fact, I have previously exhausted my ability to do so. When a resumed payments I noticed my " estimated payoff date '' changed by THREE YEARS. It went from sometime in XX/XX/XXXX to now it's XX/XX/XXXX. I believe it was those two " don't have to pay '' months. 

My loan started in XX/XX/XXXX. How in the XXXX can it take 28 YEARS to pay off? Stuff like this is the answer. Navient has failed as a loan servicer provider, as their mission is to keep people paying as long as possible so to collect as much fees as possible. Horrible communication and shady actions, such as what I described above are their hallmark.
Consumer complaint received 2021-01-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MoneyLion Inc. (TN)

I can not use my account because they closed it for " security '' measures. I have XXXX in the account. With pending deposits. And after 8 and a half hours of talking to multiple reps and a supervisor no results have came even after I supplied documents that I am who I say I am
Consumer complaint received 2020-12-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (GA)

The Money Source suddenly increased our escrow payment by $ XXXX/year with no increase in taxes or home insurance. We also saw a starting balance in XX/XX/XXXX that didn't match what the previous mortgage company showed prior to the transfer. When we contacted them as to why they stated it wasn't because those had gone up but because they could legally ask me to pay more. 

When I pointed out that their escrow statement they sent me was missing XX/XX/XXXX and another month in XXXX they said they would 'look into it ' which was over a month ago and they never did. 

I then asked them to remove the escrow account so I could pay it myself and did so in writing as outlined on their website. They waited a month to mail the paperwork, which I still don't have, and are still asking me to pay the {$1700.00} more upfront on the escrow with no justification and did not honor my qualified removal request
Consumer complaint received 2021-01-29
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

I've disputed with the credit bureaus for months because the inaccuracies, incomplete, and unverifiable accounts that have been reporting on my account. I would like for these accounts to be removed because they are purposely reporting these account to damage my credit worthiness, could you hold them accountable?
Consumer complaint received 2018-02-07
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: BARCLAYS BANK DELAWARE (NY)

There are 4 accounts on my credit report that i have never opened cor applied for credit with. 

I contacted the companies ( XXXX, XXXX XXXX & XXXX ) directly as well as XXXX  XXXX amd XXXX. 

They have not removed this information from my report. I asked them for the documents and any copies that they have with my signiture and there was no answer. I want thia removed from my report these are fraudulent accounts that were opened.
Consumer complaint received 2019-01-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (PA)

Nelnet was given standing instructions on how to apply my payments sitting a phone call to them in XX/XX/2018. Although, in XXXX, my payment was applied differently. I called them at the beginning of XXXX and was told that someone in the accounting department deciding that how they applied my payment was better for me, deliberately going against clear standing instructions that the staff member was able to articulate clearly from the notes on my account. I then called today, XX/XX/XXXX, to complain to a manager regarding this choice made by their employee. I was told that they would submit a formal complaint. I then requested that I receive a copy of the complaint. I was told that they could not and that was between Nelnet and the government.

There is no repercussions for this company and their inability to handle customers or their employees. No accountability to anyone.
Consumer complaint received 2023-02-14
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: CITIBANK, N.A. (MO)

I have had a personal loan with Citi Bank the past few months. It was for {$21000.00} starting in XXXX of XXXX. I paid each minimum payment on time each month. 
I decided to consolidate things even more with getting a {$30000.00} loan with XXXX on XX/XX/XXXX. Part of the consolidation with this loan was to pay off the rest of the Citi loan. XXXX approved my loan. On XX/XX/XXXX, XXXX sent a check of {$18000.00} to Citi to pay off the rest of my loan. Yesterday, XXXX told me that Citi cashed the check on XX/XX/XXXX. However, Citi did not take the money off of the rest of my loan and still has not done so. Each day it accrues more interest and still says that I owe this money that should have been paid off when they cashed the check. 
I have called Citi multiple times about this issue. A representative for XXXX was on the phone with me yesterday and recording these conversations. Citi told us that the check XXXX sent to them was not the correct address. The address I provided to Discover was the address Citi sent me on the Loan Note ( XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX ). Citi has told me the check should have been sent to an XXXX, MO location but I see that nowhere in my documentation from them on anything and they have never given me the exact address. 
It took a long time but Citi finally provided XXXX with the fax number at the XXXX XXXX location. XXXX needed this so they could send Citi a fax with the proof of payment. XXXX did that. 
Citi did create a XXXX XXXX for this issue. ( Case # : XXXX ) Citi told me yesterday this would take 2-3 weeks to resolve after the investigation. When I called today to get an update, they told me it could now take up to 90 days. 
In the meantime, they are still saying I owe the amount on my loan with my next minimum payment due XX/XX/XXXX. They advised me to not pay it and take the penalty of late charges until it is resolved. I do not want this to hurt my credit score if I do such a thing. They said all the late charges, interest and anything else will be resolved when the case is resolved. XXXX has been very good as they pushed back my first payment a couple of weeks to try to help me. Citi has not done this for me or put any payment on hold to avoid penalty or anything. Citi has also not guaranteed me this will be resolved after the investigation. 
In the meantime, someone cashed the {$18000.00} check though at Citibank on XX/XX/XXXX that was specifically sent to pay off my loan. 
This has resulted in me being very stressed out and have not had much sleep as I am very concerned about this whole process. I need this resolved ASAP and made right soon where Citi shows that I do not owe any more money on this loan from the money they cashed to pay it off. This whole process has made me very upset and I have a hard time doing anything else in my life with this always in the back of my mind. Please help. Thank you!
Consumer complaint received 2022-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

I have CONTACTED THE CREDIT BUREAU on multiple occasions regarding discrepancies on my account and they failed to comply with my demands, I am contacting you CFPB because pursuant to 15 USC 1681n ( b ) ( 2 ) I am a consumer and natural person and XXXX, Equifax and XXXX owes me {$1000.00} per violation, for willful non compliance.
Consumer complaint received 2022-09-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION (CA)

I submitted my final payment in full on Saturday, XX/XX/XXXX to Sallie Mae. The payment continues to being identified as processing on Sallie Mae 's site. This is accruing interest because the processing has not cleared, even though I completed the pay-off amount/final payment. 

I reviewed my bank statement, and the payment has not reached my bank. There isn't a charge at all for the transaction. This is abnormal. I have paid off two other loans from Sallie Mae, and it has never taken this long to process a payment. 


I reviewed my credit report, and they are running checks on it. This is inappropriate, and calls into question their cooperativeness and intent toward borrowers.
Consumer complaint received 2020-01-23
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2020-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (TX)

I requested a free annual credit report from Equifax. I had requested a report last year under the same address. Equifax had obviously failed to update my current address. Therefore, they requested that I fax them yet AGAIN my identity information. The fax process is outdated. This is XX/XX/2020. They were unable to provide me an up to date technical resolution process Furthermore, Equifax requested answers to questions related to my credit report. NONE of those questions related to my current credit status. I can only assume that Equifax is not processing my consumer credit information properly. In additon, they are requiring me to correct their mistakes. Absolutely, unfair to the consumer. In addition, XXXX  had my information fully updated and was able to handle any questions I had within a reasonable amount of time ( 30 minutes ) and process my report. In conclusion, if Equifax is to provide credit reporting services, they should obviously be as accurate and accessible as any other credit reporting service. Please help all of us consumers with these issues. Thank you for hearing my complaint.
Consumer complaint received 2021-06-09
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: EQUIFAX, INC. (CT)

XX/XX/XXXX CRA reported a late payment on my consumer report past due balance 0f {$38.00} dollars and XX/XX/XXXX CRA reported a late payment on my consumer report past due balance of {$60.00} They are in violation of the FCRA 15 USC 1681b ( 2 ) I never gave a written consent to furnish these on my consumer report I tried resolving with the CRA not the results I was looking for
Consumer complaint received 2018-02-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NY)

My mortgage was switched over to LoanCare during XX/XX/XXXX. Beginning last summer XX/XX/XXXX, i received a notification from the XXXX Department of Taxation for unpaid taxes. My mortgage payments include the property taxes to be held in escrow every month. I have never missed a mortgage payment so I was surprised to see the taxes remained unpaid. I tried calling and emailing XXXX several times since to no avail. Every time I am actually able to get a representative or " Manager '' on the phone, the common response is they will look into it and get back to me ... It is now XX/XX/XXXX, i still havent ' received an answer and I have now had 2 requests from the XXXX Department of Taxation for unpaid/delinquent taxes ''. I am also being charged interest on the unpaid taxes. If possible, please help me because I'm afraid a lien will be placed on the property if the taxes remain unpaid. It's unfathomable a bank or any financial entity can receive mortgage payments yet be remiss in paying taxes on accounts that have been set up to whole these payments in escrow.