davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-11
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Interstate Credit & Collection, Inc. (PA)

XXXX/XXXX/XXXX XXXX XXXX referred XXXX bills for services to a collection company, Interstate Collection Inc. After examining the explanation of benefits and speaking to a representative from my health insurance company, it was determined that the dates of service and fees are erroneous. I wrote a letter to the collection company denying bill. I also spoke directly to a customer service representative from XXXX hospital billing office by phone. When I quoted the dates of service and fees listed on bill the representative stated that she did not have that information in the system. Letters and phone conversations have been unsuccessful in getting this matter resolved. This negative information will affect my credit rating and impact the interest rate. 
Listed Below is the bill information Date of service : XXXX/XXXX/XXXX {$180.00} Date of service : XXXX/XXXX/XXXX {$20.00} Date of service : XXXX/XXXX/XXXX {$100.00} Date of service : XXXX/XXXX/XXXX {$170.00} My health insurance company mails me an explanation of payments which listed the fees they pay and the any cost that I am responsible for. I reiterate -- the insurance company has stated that they do not have any information for dates and fees listed above. I am responsible for deductibles and copays.
Consumer complaint received 2020-10-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (PA)

I am living in XXXX and have been for the past few years. for the past 4 years i have used my debit card without any problems, but beginning in XXXX my card started being declined. at first i was able to contact the bank, Huntington bank, to put a travel authorization on my card to allow it to work for a month, but now the bank says there is nothing that can be done and i cant access my money form XXXX even though have a chipped card, PIN and have contacted the bank multiple times about this issue. i just want to be able to use my card here as i have for the past 4 years.
Consumer complaint received 2019-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (CA)

My Creditors negligence ( Chase ) led to a late payment, and then they decided to ruin my credit : In or around XX/XX/2018, I had 2 credit cards  with Chase and had only been actively using 1 of them. I was logging into their website that consolidates Chase accounts, making multiple payments per month and checking my balance frequently because I used my credit card heavily. 

On or around XX/XX/2018, my credit monitoring agency sent me an alert referencing Chase. I checked online, saw nothing unusual, and I then called Chase who authenticated my identity, opened up my profile and told me that my account was in good standing and to ignore the alert. 

2 months later, I learned that the alert was due to a recurring charge posted to my inactive credit card I was not using, and that it was now 90 days past due. I called chase again and paid the {$90.00} amount. I also explained to them that when I called earlier they had specifically told me to ignore it, that there must be a mistake, and I was in good standing- when actually that information was incorrect ( they recorded this conversation ). I also stated that when I go online, the card in questions was not being shown on the web dashboard that showed my other credit card and mortgage. I then asked that they clear up their mistake- they rudely said no. 

Given that this was a business credit card, and given that Chase never reported to the credit bureaus when I did pay this card on time, I was shocked when they made the decision to report it as 90 days late thus decidingly crushing my credit score.
Consumer complaint received 2022-08-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (KY)

My student loans was transfered from NaviXXXX to Aidvantage, when I was with NaviXXXX my total loans I owed was {$20000.00}. Aidvantage has to add another XXXX on my loans. ThIS is FRAUD
Consumer complaint received 2022-02-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (TX)

I personally have been calling BSI financial about my XXXX tax that hasn't been paid by my escrow. I keep getting told that they will escalate the information to a supervisor, but it has now went on 3 weeks and my mud tax has still not been paid resulting in a fine. I also told BSI that the amount they have on file was incorrect and I emailed them a copy of the tax statement and updated fees due. If this goes on another month of not being paid it will result in another tax fine from the county. This needs to be resolved immediately.
Consumer complaint received 2016-01-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AR Resources, Inc. (PA)

The company that 's handling this specific debt, AR Resources, says that I owe money on XXXX different accounts with them. Upon the evaluation of my XXXX credit report, I found out that they 've still continued to list this debt TWICE, and have never corrected the issue. XXXX account was listed since XXXX XXXX, and the other since XXXX XXXX. To date, they 've never come forward to explain themselves and their error in judgement. This may have caused my credit to be rated more poorly, as well as other related issues.
Consumer complaint received 2020-09-10
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: TOYOTA MOTOR CREDIT CORPORATION (MA)

There is a 30 late payment on XXXX 2014 on my credit report from toyota motor credit . Makes 7yrs should not be on credit report
Consumer complaint received 2019-02-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRST INTERSTATE BANCSYSTEM, INC. (WA)

On XX/XX/ 2018 my account was presented with a charge for {$39.00} and the bank paid the amount out. This caused my account to overdraw. I had opted for a service when I opened this account that would prevent overdrafts by not paying if there was no money in the account. My local bank was taken over by a large bank and they said that they changed my preferences to allow overdrafts. The said that they mailed me a notice, but I never saw it. The bank then proceeded to charge consecutive overdraft charges every five days. They also said that they were allowed to do this now that they are a different bank then the one I signed up with. Once my account was overdrawn for over a month they forced closed my account charging another {$50.00} for a total of {$320.00} in bank fees, at the time my account was closed after the {$50.00} charge my negative balance was {$360.00}. The amount I am negative in the account is {$40.00} and the bank fee 's are {$320.00}. This is 800 % in fee 's in just over one month.
Consumer complaint received 2016-04-19
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

probably XXXX 6 years ago the credit bureau said I owed money on a capitol one credit card. I have never had a capitol one credit card also they said I had a XXXX credit card which I purchased a computer. I have n't signed up for a credit card thru XXXX. I have n't had a computer for probably XXXX or 7 years
Consumer complaint received 2015-03-30
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: PNC Bank N.A. (CA)

I had a really great experience with PNC Mortage on my home loan. Who do I call and complain tio about good service and low rates. I don ' t even understand how a bank would make a loan at 2.99 % or 3.99 % and tie up their money for XXXX ur XXXX yrs at such low returns. 
Would you inves your money for a 3 % return and wait XXXX or XXXX yrs to get it back Seems odd? Why would they lend money at such low rate of interest? Please share this compliant with PNC. They gave me great service! 

XXXX XXXX XXXX XXXX
Consumer complaint received 2016-03-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (WA)

Home is in foreclosure with PNC. I challenged whether or not PNC had my actual loan. I received, unsolicited, a letter stating " Based on a review of the information you provided, you have been approved for a conditional Trial Period Plan. '' I never applied for a plan and did not sign off on any plan. PNC 's attorney ( XXXX XXXX ) thinks I did but has not provided documentation despite repeated requests. I think this is a XXXX to XXXX homeowners into waiving rights.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-04-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Between XX/XX/XXXX and XX/XX/XXXX I filed a CFPB. And I had a carloan account with XXXX XXXX XXXX XXXX that open in XX/XX/XXXX, however they reported that I was 30 days late on the last payment of the car. The 30 day late payment was removed when I filed a CFPB, however the 30 day late payment has been put back on my credit file.
Consumer complaint received 2024-01-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

On XX/XX/2023 I was notified of a fraudulent charge on my Bank of America account. The card was cancelled and a new one was to be mailed, however the new card automatically uploaded to my XXXX wallet. 
The next day I received a phone call from bank of America on the caller ID, as well as the actual phone number. The man identified himself as a fraud department representative and was here to help. He asked if I knew anyone in XXXX XXXX that was using my card. I said no. He was already aware of the fraudulent activity from the day prior, and then told me my entire account was being compromised and that I needed to act quickly to resolve the issue. So I had every reason to believe him, since I thought I was speaking with an actual BofA representative. He explained that the digital fraud team would reach out, and they did, I answered, they had me share my screen, and log into my online banking. He then had me transfer my savings to my checking and then the checking ( {$8000.00} total ) to XXXX XXXX. I was then told to remove all of my cards from my XXXX wallet. He then had me upload a Chime card, and transferred {$8000.00} to that card. He said they would wave the transfer fee and that this was only temporary while the bank investigated and I would receive the money back in 2 days. After I hung up I had some feelings of uncertainty, but talked myself out of it because it was the bank calling me. I was not aware of spoofing or any of these types of scams. I fell victim to this and the bank refuses to refund the money since the payment was authorized. I only authorized because I was under the impression I was talking to a real employee. I immediately called the bank the following day, I also went to a bank branch. I was told that they could put a stop payment but it didnt work. I also filed a police report with the local police department and have a detective assigned that got a court order on the transaction ID. I filed a fraud complaint with XXXX and Bank of America.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account Name : 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 2022-02-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (NY)

I am a current customer of Rocket Mortgage and have a current Mortgage out on my primary residence and my mortgage is in good standing. Recently I was contacted regarding refinancing solicitation by Rocket Mortgage on XXXX. During this call a representative from the company stated there was a possibility for a new rate and cost savings that they can try to offer through additional refinancing. I expressed that I did not think I would like to refinance as I had refinanced my mortgage with Rocket 1 year prior. The representative redirected my concern and stated that it could be possible to help me save money and it would be a quick check. I stated then that I did not want my credit score affected and did not want a hard pull on my credit but should they be able to tell me available rates I would hear them.

After that the representative submitted a new application for refinancing into my account and did not give my any rate quotes and pulled my credit for a hard pull. I ended up having my credit score then drop XXXX points in a matter of a week. I have reached out to Rocket Mortgage to ask them to look into and also to rectify the situation as this could be considered in my opinion misleading or predatory behavior but my request was denied. Thus I am moving forward with my concern and complaint to CFPB so others do not experience this kind of misleading and poor business practice moving forward. 

Thank you for your time and your help.
Consumer complaint received 2020-09-10
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: WELLS FARGO & COMPANY (VA)

Ive been disputing this wells fargo account with XXXX  for about a year now starting with date XX/XX/19 item was removed and deleted and placed back on my credit and the account number is XXXX amount showing before deletion was {$140.00} police report was sent also with report number XXXX for identity theft dispute report number XXXX wells fargo refuses to send me information on why this continues to be reported and has not responded to my request for information.
Consumer complaint received 2017-01-26
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CREDIT ACCEPTANCE CORPORATION (MD)

Credit Acceptance Corporation is reporting my account status to keep my account as a negative account with the XXXX credit reporting agencies ... On my credit report dated XXXX/XXXX/XXXX it shows that Credit Acceptance Corporation reported my account as " Paid in full '' was a collection. However as of today 's date XXXX/XXXX/XXXX my credit report shows account is now past due with a balance of {$8600.00}. Also by Credit Acceptance Corporations own Monthly Reporting to the credit reporting agencies and the paperwork they provided me they claim that my balances were XXXX amount and the amount the paperwork they sent me are different by amounts ranging from $ XXXX {$7000.00}. Each an every month.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CT)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-02-21
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. (PA)

TransUnion lower my score 81 points in XXXX despite the fact I been paying on time, no current delinquencies while the other agencies been up. There is absolutely no reason why I drop a whopping 81 to 90 points in a month. Go ahead, review my accounts I even paid a few off. I
Consumer complaint received 2015-12-17
Product: Credit card — 
Issue: Late fee — 
Company: BARCLAYS BANK DELAWARE (AL)

I pay bills online exactly the day they are due. Barclay has decided to not accept online payments for my due date after XXXX eastern time which is XXXX for me. This has never been convenient and payments online after XXXX is my standard procedure. This problem is currently occurring and has been an negative issue for several months. I have made this problem known to the company several times and they have responded by refunding the late fees, only to make me pay the amount due and removing the fees from the balance. This method is also inconvenient because I am still having to go over budget to pay the " waived fees ''. I have complained to them about this several times and now they refuse to remove the fees. This problem is well documented within my account and their acceptance of it being a problem is well documented with the refunds.
Consumer complaint received 2015-03-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Hillcrest Davidson & Associates (TX)

I called the agency to get a better understanding of the debt and instead of someone helping me I was transferred several times and spoke to XXXX different people. It seemed as though XXXX at ext XXXX was trying to help me but he needed to transfer me over to his supervisor named XXXX. I tried to receive information regarding to debt from XXXX and he was very rude, hard to talk to and he hung up in my face. The issue was not resolved so I attempted to call back and I advised that representative that their supervisor hungup in my face, the rep then stated that he did not care and he was very rude to me also ... so I ended the phone call. I also wanted to advise that I receive XXXX phone calls from this collection agency per day. They will leave a voicemail XXXX times a day.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

This complaint is in regards to XXXX XXXX account # XXXX open XX/XX/2023 according to the fair credit reporting act sec 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through verification of the original signed consumer contract, My rights are in violation since this item is being negativity reported
Consumer complaint received 2019-02-21
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (IL)

Carrington Mortgages is unfairly rolling adjusted Escrow outstanding balances into your loans without giving Mortgage Owners an opportunity to pay off the outstanding balances. 
At the end of XX/XX/XXXX my mortgage payment was {$880.00}, My mortgage payment for XX/XX/XXXX was {$910.00}. When I contacted Carrington Mortgages, they informed me that my escrow account was delinquent by {$290.00}, They also advised that they sent out a notification, which I did not receive. I have loans with two other banking institutions and I received their XX/XX/XXXX escrow summary report. XXXX Mortgage contend that I did not receive the escrow summary because I opted for electronic notification and correspondence. Carrington did allow me to pay the escrow balance in full. If I did not contact the bank, the {$290.00} would have cost me {$390.00} for this year and {$3900.00} for the remaining life of my mortgage. I do not understand why banks are allowed to practice this type of fraudulent activities without getting into trouble. This is the second time that Carrington Mortgages has done this to me, Can they be investigated for this unfair practice,
Consumer complaint received 2019-02-21
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: BMO Bank, N.A. (IL)

I have an overdraft line of credit with BMO Harris Bank. I recently applied for an increase to the line of credit. I was told they have a whole new process for there applications. I called in a few days after I submitted the application and spoke with a representative about the status. He indicated that the application was declined ( despite my strong credit profile, income, & assets that includes several credit lines for several years of a similar size ). When I asked what the reasons were, he indicated that I would receive a letter in the mail in 7-10 days explaining the decline reasons. I asked if there was a way to appeal as this was a judgmental lending decision ( meaning it was manually reviewed ) and that I have several pre-approved offers on there website for other lending products. He said no.

Today, I received the letter from BMO Harris Bank that simply states that my application was declined and that if I wanted a reason I would have to call in to customer service and request the reasons be provided. I already did this onXX/XX/XXXX and this is the letter that they sent which does not provide me any detail other then I have a good credit score.