davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (NM)

I moved out of an apartment complex before my lease was up. The current owners of XXXX XXXX XXXX in XXXX NM at the time was XXXX. They took this to court and a judgement was filed for the amount due for breaking the lease of {$2200.00}. The account was then sent to Pro Collect but had additional rents tacked on to it. I have been trying to get this company to take a look at the statement and understand that they charged me for the full month of rent for XX/XX/2019 of {$720.00} and then they also charged me another {$410.00} for XX/XX/XXXX through the XX/XX/2019. So essentially they are charging me above my contracted amount for XXXX rent. I have called and sent emails and every time they get extremely hostile and aggressive over the phone and just keep saying " your refusing to pay this debt '' not one person has looked at this however and realized that it is wrong. When I ask for the original creditors information to contact them they refuse to give it to me and they also refuse to work out a payment arrangement stating it has to be paid all at once up front. No where in the Lease agreement does it say they can charge me 1.5 times the amount of rent for one month. This is illegal and they refuse to address this issue. I will not pay a balance that is not correct.
Consumer complaint received 2022-01-05
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. (IL)

I SENT A DISPUTE TO TRANSUNION, XXXX AND XXXX IN XX/XX/2021. EVERYTIME THEY ARE SENDING BACK MAIL SAYING THE ACCOUNTS HAVE BEEN VERIFIED WITH NO PROOF OF INVESTIGATION. THE ACCOUNTS THAT ARE BEING DISPUTED ARE XXXX XXXX XXXX XXXX WHICH THERE ARE THREE ACCOUNTS. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX AND XXXX XXXX XXXX. THESE ACCOUNTS ARE REPORTING DIFFERENTLY ON ALL THREE CREDIT BUREAUS. THEY ARE NOT CONSISTENT ACROSS THE BOARD. I NEED THEM REMOVED AS SOON AS POSSIBLE. ALSO TRANSUNION AND XXXX HAS CREDIT INQUIRIES WHIC I DISPUTED BUT THEY TOLD ME TO CONTACT THE PROVIDER. ALSO MY NAME IS NOT REPORTING CORRECTLY ON TRANSUNION. I ONLY WANT ONE ADDRESS TO SHOW WHICH IS XXXX XXXX ON ALL REPORTS.
Consumer complaint received 2016-08-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Transunion is reporting this account as being paid late on XX/XX/2012. This account is being reported by XXXX which bought this account from XXXX XXXX long after XX/XX/2012. This account was never late. I contacted XXXX XXXX and the agree but they do not report this information to the credit agencies. They have supposedly contacted XXXX however this information is still not corrected. I am getting sent in circles.
Consumer complaint received 2021-08-26
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (OH)

Synchrony Bank Closed my QVC card due to me missing 2 payments. I understand that that is their policy however during this time of the pandemic I am able to make my payments and on time. I SWITCHED BANKS from XXXX XXXX XXXX XXXX to XXXX  XXXX XXXX and missed the second payment ( {$40.00} ) although I did make my payment they refused to work with me and will not RE-OPEN or " REHAB '' my account. I still have my QVC card set up on automatic bill pay because I don't want a " charge off '' however, considering that the whole country is in a perilous time they could consider re-opening the account for a customer who is 'ACTUALLY '' paying their bill.
Consumer complaint received 2021-08-26
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (WI)

Ordered a service for a move in XXXX of 2020 which was incomplete. When I explained to the credit card company, they filed a " temporary reimbursement '' then confirmed the merchant shouldn't be allowed to rebill me as I'd provided sufficient evidence. I later received from the credit card company, documents I'd had never been provided by the merchant " XXXX XXXX XXXX XXXX XXXX MN '' claiming I signed additional documents approving an incomplete service. I clarified with the merchant whom didn't bother to come back to finish the service when called or lay down floor protectant ( leaving additional costs to me ) there were additional and inapplicable charges as well as missing items ( owner said, maybe it got lost on another shipment ) the company never fixed or replaced. They also didn't unbox and put everything away as agreed much like leaving with plenty of truck space and not returning to clear out the garage. 
Chase requested new documents every time and even after sending photographic evidence of the cleaners I needed to hire, the refusal of the business owner and corporate to provide insurance information to fix my damaged belongings, the empty promise the owner of the moving company " would fix it personally or deliver it himself '' and pay for the four trips back, they allowed the merchant to rebill. When I asked them why they would do such a thing Chase replied " we can't control the merchant ''. 
Ultimately I paid > {$5000.00} when I was informed the maximum cost by the personnel giving the quite would be {$3500.00} yet was charged for a partially empty truck bed and unloaded at the wrong address outside ( also charged for ) and never assisted to unpack and charged for as well. I asked Chase to contact their insurance company as I even filed a police report due to the movers stealing items and they still allowed the charges to remain. I requested my copies of the repeat filings they asked for from me and verbatim a staff member said " it's probably time to hire an attorney '' when accepting the moving company was allowed to submit forged documents and Chase accepted them.
Consumer complaint received 2022-01-05
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. (PA)

To whom this may concern : I am writing you today because well over 30-days I sent in a detailed letter to TransUnion requesting that they investigate false collections accounts that does not belong to me but were reporting on my credit account. I asked for the results of the investigation in clear details via letter and my request was unmet. 

This information is a violations of my right under federal laws 15 USC 1692 ( g ) ( a ) " Validation of debts ''. 15 USC 1681i ( a ) ( XXXX ) ( B ) ( XXXX ) " Notice of results of reinvestigation '' and lastly 15 USC 1681i ( a ) ( XXXX ) ( A ) ( XXXX ) " Treatment of inaccurate or unverifiable information ''. I've tried to settle this with TransUnion for months now but they refuse to send me the information that I've asked. 

My rights are being violated and they are not living up to their standards of guaranteeing complete fairness and accuracy of credit reporting under the FCRA. Please assist in anyway that you can and I greatly appreciate it in advance.
Consumer complaint received 2020-04-24
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems (OH)

Received notice from XXXX XXXX of a newly added debt collection from Midwest Recovery Systems opened on XX/XX/20 in the amount of {$1800.00} I never had a loan in this amount. I have not received a phone call or any written communication regarding this so called debt. It simply appeared on my credit report. 

Very unfair - especially in a nationwide shutdown!!
Consumer complaint received 2021-08-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica (TX)

On XX/XX/XXXX I opened a checking account online with Comerica Bank. I recently moved to XXXX and I would like to utilize a local bank. I also saw an ad on XXXX about {$200.00} bonus for a new account with direct deposit. After the account was approved and opened I immediately set up direct deposit so that my next paycheck would go to this new checking account at Comerica Bank. I also received a debit card a couple days later. 

On XX/XX/XXXX I called in to unlock my online access since I forgot my password and I was told by the representative XXXX that my account was closed on XX/XX/XXXX. There was no communication from Comerica Bank about this closure. My paycheck is supposed to arrive on XX/XX/XXXX and I am not short of funds to settle my bills due to this confusion. 

My account number is XXXX I can understand that banks want to close accounts due to various reasons but the lack of communication is evident of deceiving and misleading practices that can harm consumers greatly.
Consumer complaint received 2018-05-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I opened a secure credit card to build credit. I also had a bank account with Bank of America. While in XXXX my bank card malfunctioned and i was forced to only use my secured credit card. a unauthorized charge was made on my account. I provided proof and was refunded then they put the charge back on my card. This caused my card to be charged off. i request that the error report be removed from all my credit reports immediately.
Consumer complaint received 2021-08-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (IL)

Ive had problems with Citibank since my account was opened. Over the last week. Ive been corresponding with company via Email in which it Completely contradicts some of their previous statements regarding this issue of me receiving my funds. 

These replys from the company state my account was in normal status and I should have been able to get my funds allocated to me ; in the time I needed them. ( as they were my funds. ) But Citibank didnt provide me this opportunity and I verified my identity on every level possible. 

I was treated as if I was scum on a shoe. And now in this reply from Citibank that I attached to this complaint. its stating they closed my account. But opened it to get a deposit but closed it again. But I was trying to get my money from them once I seen my XXXX went to their account. And was denied continuously. I should have gotten at least that part of my money back. As my account was closed and they werent accepting any more deposits. 

So if my account was active during the beginning of XXXX Why was my wire transfers denied out if my account. My XXXX access restricted. Why did they deny me the chance to activate my debit card ; so, I couldnt go to a ATM. Why havent I still gotten my check from my account closing. 

Citibank is gaining interest off my money. As I accumulate XXXX  of not having my funds in a pandemic. Due to this institution denying me because of the color of my skin. But after my account was supposedly closed. They still accepted a XXXX into that account. Even tho I received multiple emails of my account closing. And any deposits into the account would be returned. But they kept a XXXX. This bank is refusing to give me my funds. And I want this complaint to be public record with all images applied for future references to this matter. 

But the bank has yet to release my funds!!!! 


But I was bamboozled into opening my account. I had it for 3 days. The same day I switched my direct deposit. I had my email on my account status the next day. 

Ive been contacting this bank religiously trying to get my funds. Its all recorded how they treated me. I went to the branch and was denied. They told me my account had a block and they cant get it off. The banking official said they can do it on the phone. I explained the Fraud department said they couldnt either but I can visit a branch and you could allocate them and I was shoed outta their bank. 

They are playing with me. Opening and closing my account as they please and denying me my money ; Still!!!! This has been going on since XXXX. Im begging you to please help me.
Consumer complaint received 2021-08-26
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. (IL)

I have previous XXXX  Loans that are in the process of being dismissed due to me not having a Highschool diploma at the time of me getting my student loans ( Ability to Benefit ) I had 3 Sub & Unsub loans through XXXX XXXX which switched to XXXX. Each Loan had 11 Late Payments which totaled 33 Late Payments across the board. 

I was informed to consolidate the loans since they were being investigated, I informed the bureaus that the loans where not reporting correctly and XXXX  has deleted the closed out account while XXXX & Equifax has not followed suit.

Since everything on my report should be reporting accurately how is it that a account can be deleted by one company and not another. I demand that XXXX  AND EQUIFAX FOLLOW SUIT AND DELETE ANY CLOSED XXXX  ACCOUNT FROM MY CREDIT FILE
Consumer complaint received 2021-08-26
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: EQUIFAX, INC. (GA)

I am filing a complaint against Equifax, XXXX  and XXXX XXXX as they are not complying with their own policies in a timely manner. They had 30 days to review my dispute and I have not received a response.
Consumer complaint received 2021-08-26
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. (FL)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2017-10-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (KY)

fay servicing said they paid my property taxes ( they did n't ) and set up an escrow account and deferred monies into the account for the taxes. which I did not approve. the then stopped applying my payments to the house until the account was brought current but they took the monies from my payments and stored them in separately causing my account to be behind. I paid the taxes long before this occured and after checking with the county clerk they informed me that I was the only person to make a payment and there was no record of fay servicing trying to pay anything I spoke with XXXX who said he needed proof that I paid the taxes but never gave me his email address, I had to get that from an associate. I emailed him the proof but he will not return my calls or emails
Consumer complaint received 2018-05-30
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. (MO)

I received your response oh We have reviewed your complaint along with the information you previously provided regarding this issue. As a result of your dispute on XX/XX/2018, the account which was reporting a deceased remark no longer appears on your TransUnion credit report. In addition, we have sent a corrected copy of your TransUnion credit report to XXXX XXXX.
Consumer complaint received 2021-08-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: PNC Bank N.A. (FL)

Hi, I want to fill a complaint to PNC Bank for a car repossession process. This bank started reaching out to me through a collectors number, where they asked me for my social security without explaining reasons for me to provide such delicate information. 

After calling the bank myself, I was informed I owed payments for my new car loan, however, as I never received an email or official communication from the bank, I did not have any information on my account, status of my mortgage, or anything. 

When talking to the bank, I requested to have access to my account, for which they said they were going to send me a mail, where I could log in and have access and visibility. 

A few days later, before I received any formal letter communication that they mentioned they would send, my car got repossessed and towed. 

Now the PNC Bank is asking me to pay XXXX in fees for repossession, and also the towing company fee which is of more than XXXX dollars. Moreovoer, they are asking me to pay the full amount owed ( XXXX dollars ) cash at their bank, they do not accept any other type of payment. to be forced to pay cash a process like this looks like a scam. 

Im complaining because this is a very unhealthy and unfair process as a customer. I have the money to pay, but I never received any official information from the bank, now im in this situation with my car towed and the bank states they have tried to reach out, even though I was asking them for formal mail communication and access, which they never did. 

I hope this serves to help us, the people of the state, to have processes that are transparent and that do not play against us and benefit the banks. This inefficient process and communication, where customers have cero visibility or formal communications, serves to benefit PNC Bank, and is leaving me without car without any notice, paying a ridiculous fee amount in cash to the bank, still without any documentation or access from the bank regarding my account, and now affecting my credit with this repossession while the bank is lucrating from it and obtaining cash money.
Consumer complaint received 2018-05-30
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: BBVA FINANCIAL CORPORATION (NM)

I lost my job and had been unemployed for past 6 months. I recently found a new job and also am expecting a refund check in the mail for total amount of money I am behind. I called BBVA a week or so ago and informed them of the situation and that I was told my check should be arriving by XX/XX/XXXX. I told them I would pay full balance past due then. The lady I spoke to said that was okay. 

Today, BEFORE XX/XX/XXXX, they are telling me they will put my car into repossession unless I pay them immediately and as I tried to tell them, I do not have money yet or check in hand! I asked them to wait until next week and they refused! THEY BROKE THEIR PROMISE TO ME.
Consumer complaint received 2021-08-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC (DE)

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedback about this concern. Please investigate and remove it from my personal credit file. Thank you.
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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX, third party collection agency, for an original debtor, plain green corp date XX/XX/XXXX. This debt was never verified. They never sent me a bill or proof of this debt. Already reported this in collection to Trans Union back in XXXX. I disputed this back in XXXX, XXXX and it was removed from my Credit Report on XX/XX/XXXX. 

I receive an alert from XXXX XXXX that there was a negative item reported to TransUnion. I have called Transunion and are of no assistance. Though I have the credit from XXXX, Transunion and it clearly states this item will be removed on XX/XX/XXXX. It was, until it was re-reported again now. Same Company, same amount. 

This situation has made me sick, I have worked diligently to rectify my credit for over 3 yrs. Letter,  disputes, filing complaints. Now this again. How is this legal? This debt, whatever it is, is beyond the stature of limitations of reporting since it is from XXXX. 

They are now starting to robo call me. As of today. XXXX
Consumer complaint received 2021-08-20
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AES/PHEAA (VA)

This alleged debt is fraudulent as I am the natural person, consumer in fact, and entered into a consumer credit transaction. Pursuant to 15 U.S. Code 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. I in fact extended you credit as the Creditor/Natural person and you gave me a loan which isnt defined under Truth in Lending or FDCPA, which created an alleged debt. That is deceptive behavior, fraud, and punishable under federal law. I am not participating in the collection of any alleged debt. Pursuant to 18 U.S. Code 8 as defined by congress, The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency, Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. THERE SHOULD BE NO ALLEGED DEBT IN ANY CONSUMER CREDIT TRANSACTION. Natural person defined 15 U.S.C. 1692a ( 3 ) The term consumer means any natural person obligated or allegedly obligated to pay any debt., so be it, and ; '' PHEAA HAS VIOLATED SEVERAL FEDERAL LAWS THAT PROTECT CONSUMERS.