davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-03-19
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Northeast Receivables Management, LLC (SC)

I KEEP RECEIVING PHONE CALLS FRON NORTHEAST RECEIVABLES MANAGEMENT LLC. I NEVER RECEIVED ANYTHING IN THE MAIL OR ANY PAPERWORK VALIDATINHG THIS DEBT. THEY ARE CALLING MY JOB AND MY RELATIVES TELLING THEM I OWE THEM MONEY. TO BE HONEST IM NOT EVEN SURE WHAT THIS IS FOR. I HAVE MAILED A CEASE AND DESIST LETTER TO THEM AT XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX
Consumer complaint received 2023-09-25
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. (TX)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately
Consumer complaint received 2020-10-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

PHH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX PHH has had a short sale package since XX/XX/XXXX. The file has been escalated yet PHH is refusing to give an update on this file. Today, XX/XX/XXXX we spoke with a Manager XXXX Agent ID XXXX XXXX. This Manager outright refused to get me in contact with anyone who can assist on this file in a timely manner. PHH has had this file since XX/XX/XXXX with no updates. The only appointment available for SPOC is on XX/XX/XXXX. by that point they will have had the file for over 30 days. There is no acknowledgement of what docs they have, what they are missing, or that anything is happening on file. The Manager claims their SPOCS handle " many many files ''. PHH is clearly understaffed for the workload that they have, as they take weeks to even give a followup call. ****************THIS IS A VIOLATION OF THEIR SERVICING OBLIGATIONS AND IS THE TREND WE ARE SEEING ON ALL OUR FILES WITH PHH XXXX THIS IS NOT ACCEPTABLE. *************** I want a callback in no less than 48 hours from a manager with an update on the short sale.
Consumer complaint received 2016-11-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc. (TX)

On XXXX 2015 i was evicted from the department i was leasing, we went to court and the court order the eviction and settle that we owe the the leasing company {$1400.00}. 

The leasing company first sent us a letter stating we owe them {$4700.00} with braking up the amount. 

After that we receive a letter form Professional Debt Mediation stating we owe {$4700.00} and they send this debt to the credit reports. 

Also they post the debt 2 times like if i owe {$4700.00} 2 times, when i contact them trying to settle, i ask them why they post my debt 2 times, the answer from the was that this way my credit score will be lower with the XXXX postings and i will be more urge to pay my debt, i offer to pay what the court settle {$1400.00} and they refuse to settle for less than {$4700.00}
Consumer complaint received 2016-11-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Allied International Credit Corp., (US) (CA)

I received a letter from ALLIED INTERNATIONAL CREDIT CORP stating that I owe money to XXXX. They also stated that the debt would increase if I did not pay this " debt ''. They use 3rd party tactics to pay the debt, Check, Money order, XXXX XXXX. I have not used XXXX in years and do not owe anyone anything.
Consumer complaint received 2023-09-25
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 took out a student loan for {$27000.00} from SallieMae bank in XXXX After COVID in XXXX I had dropped out and never graduated. Around XXXX I started making payments on this loan for {$360.00} a month. I had noticed that interest was being charged 3-4 times each month for different large amounts. All together most of the time theyd add up to more than what I was paying. My payment went up to $ XXXX  monthly without warning. Recently my Father and I lost our home after my grandma passed away from XXXX. I used to worked full time and just lost my job. We are trying to just survive and pay for food gas necessities. I attempted to contact Salliemae via their chat system on their app. I was connected to an agent who stated all they could do was stop payments for only 3 months and interest would continue to add up. I refused hoping there would be a better option. She stated there was nothing and the conversation was disconnected. I was unable to make the payment that month and was harassed with multiple calls texts and emails not only to myself but my co-signer ( mother ). I tried to contact them again through chat and they said because i failed to make my payment I am ineligible for any aid and i need to make my payment now. I called the help number and the women i spoke to was very understanding and asked for a financial statement. She stated they would need a financial statement from my co-signer as well. ( I was on my break at work when I had called/ my mother is currently unemployed and always looking for work ) She was unable to pick up the phone and the agent asked me to have my mother call back as soon as possible to submit her financial statement. My mother called the same number MULTIPLE times on Multiple dates at multiple times coinciding with their posted business hours. Yet every time shed call shed received an automated answering system asking to please call back during business hours. They continued to send me emails with the business hours on them to call and we would and NOTHING. I tried myself on a Saturday as it was the only day i was free and I received the automated system as well. Recently before I lost my job they started calling me at strange times when I was at work like XXXX XXXX times you wouldnt be on lunch. I havent received any calls since ive lost my job. I attempted to email their customer service email with my loan information and my issue 2 weeks ago and have yet to receive any response in regards to my email.
Consumer complaint received 2018-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (NV)

I filled out an online application for a Wells Fargo credit card on XX/XX/2018 and received a letter dated XX/XX/2018 denying my credit approval on the basis of Not a permanent United States resident. I've been in the United States for approximately 15 years, I have a SSN and have had several credit cards in the past, I even have a current bank account with Wells Fargo. I'm originally from XXXX, but I am a permanent resident of the United States and have gone through the proper channels to obtain my permanent resident card. I believe the reason they denied my application is discriminatory and violates the National Origin category of the ECOA.
Consumer complaint received 2023-09-25
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (TX)

I have closed my Chase Credit Card Account ( XXXX XXXX Rewards Business Card ) because Chase is now charging an Annual Membership Fee of {$99.00} on my existing account. I do not want to pay for the NEW charge. I called Chase Customer Service as soon as I received my XX/XX/XXXX statement that included this new annual fee. I called on XX/XX/XXXX, and requested that my account be closed immediately, and that the {$99.00} annual membership fee be immediately removed from my account. 

Chase did close my credit card account properly. But, now 10 days later, the {$99.00} fee still appears on my account. I called today ( XX/XX/XXXX ) and spoke with a customer service representative and a supervisor. I was told that it would take 1 to 2 billing cycles for this charge to be removed from my account. I was told that their " system '' could not handle removing this charge immediately. 

This is unacceptable. 

If I wait until this charge is actually removed, I could end up with a negative mark on my Credit Report. Just because Chase 's computer system is unable to remove this charge makes no sense to me. Just because Chase 's computer system is unable to remove this charge, I could suffer from a negative Credit Report. 

Again, this is unacceptable. 

Please ask Chase to immediately remove this {$99.00} Annual Membership Fee from my closed credit card account. 

Thank you.
Consumer complaint received 2023-09-25
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp. (FL)

Around XX/XX/2015 my contract ended with XXXX XXXX. I was wrongfully charged reconnection fees for 5 devices and early termination fees. I disputed the amount with XXXX and they sold the account to XXXX XXXX. XXXX XXXX claims they are a XXXX party who purchased the XXXX account but never sent a copy of the contract to validate the debt with my wet ink or digital signature from XXXX XXXX. I only received an incorrect invoice which I repeatedly disputed. Over the years XXXX XXXX has changed the dates of when the account was opened which is illegal to try and keep the debt newer than it actually is. This debt is over 8 years old and I was just contacted by True Accord. They are still trying to collect on and outdated and incorrect balance. I disputed the information with True Accord and asked them to cease and desist contacting me. Meanwhile I warned them that I was going to file a complaint which is why I'm here today.
Consumer complaint received 2018-12-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: World Omni Financial Corp. (FL)

World Omni Financial Corp., also known as XXXX XXXX XXXX   has claimed to have an arbitration agreement with me regarding a loan for my 2010 XXXX XXXX that was originated by XXXX XXXX of XXXX XXXXXXXX , XXXX XXXX confirmed in writing that I had never had an arbitration agreement with them. Yet XXXX XXXX claimed without any documentation that the loan was transferred to it and that an arbitration agreement materialized upon the transfer.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

XX/XX/XXXX Hello, It has come to my attention that the data furnished by XXXX XXXX is inconsistent and not congruent across all credit bureaus, resulting in an inaccurate representation of my credit profile. 

All data that is reported should be congruent and align with each other across the bureaus and reporting agencies. Since the data being furnished is not congruent and does not line up I DEMAND THE REMOVAL of this erroneous information from my credit profile, as it is tarnishing my credit history unjustly. 

As seen below the supporting documents show inaccurate and not congruent payment history/status of this account. For XX/XX/XXXX one bureau ( XXXX ) is reporting a payment versus the other bureau ( Equifax ) is reporting a CO status. This incorrect date and error is confusing me and hindering my financial status! Again since the furnished data is not congruent and there is an error with the reporting information this account MUST BE DELETED. 

This letter serves as my last and final warning regarding the inaccuracies in my credit report before LEGAL LAWSUIT ACTIONS are taken.
Consumer complaint received 2024-02-16
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (OH)

I paid the total balance owed {$310.00} on my Citi Bank/Home Depot account . The funds have been released from my checking account on XXXX  Citi Bank/Home Depot is stating theres a 13 day hold before funds on available credit line are released. This is unacceptable when Citi Bank/Home Depot has already been paid in full. It make absolutely no sense why they are including a hold on my account.
Consumer complaint received 2020-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

I tried to dispute a {$10000.00} for services that weren't rendered in XXXX and it still hasn't been resolved. I've sent letters from attorneys, receipts, buy sale agreement, second opinion letter, email where owner of company offered to refund my money and where my attorney and I accepted. I have provided capital one with everything they asked for and spent money on attorney fees and still on going
Consumer complaint received 2016-10-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (OH)

They refused to take multiple credit inquires of my credit reports. I told them I would not have XXXX credit inquires and I thought it had something to do with their breach or identify theft. They are being difficult. They are also refusing to take late pays off of some of my accounts that I have talked to the creditors and they took them off.
Consumer complaint received 2021-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

Pursuant to 15 USC 1681b ( a ) ( 2 ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 
I did not consent authorize nor benefit from the following inquires please block and remove them immediately. I have attached a FTC Report with all of the inquires listed that i want removed.
Consumer complaint received 2017-01-06
Product: Credit card — 
Issue: Other fee — 
Company: Army and Air Force Exchange Service (AP)

My wife and I both utilize Military Star credit cards ( websites : XXXX and XXXX XXXX. During this billing cycle and earlier ones, we have been unable to pay our bill in full and therefore avoid interest charges. Upon attempting to do so at their website, I am only able to pay up to {$2500.00} or the entire credit card balance. Furthermore, only one payment is allowed during every seven ( 7 ) day period. The Military Star card terms and conditions are located here : XXXX These terms do not mention a dollar amount or the minimum time required between payments. No credit cards we have ever used have imposed such limitations on the amount and frequency of payments.
Consumer complaint received 2024-01-24
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Self Financial Inc. (IL)

Self took money from my account on several occasions. Their bank is XXXX XXXX XXXX  XXXX. They took {$90.00} out of my account immediately. After that they keep making withdrawals for different amounts from my bank account. 
There was no savings like they said they just took my money and I canceled the account and they were supposed to return my money but instead they have a balance due to them on my account and put failed on all of the payments they took from my account. You can not get through to them and when you do they hang up. They have provided no service at all and they are still trying to make withdrawals from my account. Why cant they be stopped?
Consumer complaint received 2020-04-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A. (NJ)

I want to add money to my savings account to start getting interest and to be accounted for in the chance to win XXXX Im am in much need of money in my life right now but this is not allowing me to do so : ( Thanks, XXXX
Consumer complaint received 2022-08-25
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: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2016-09-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (PA)

I have contacted Experian regarding an inaccurate bankruptcy chapter XXXX on my credit file that is reporting inaccurately. I have contacted bankruptcy court. 
Experian has not contacted the court yet experian has verified this injurious tradeline. 
I have disputed the bankruiptcy and have sent XXXX method of verifications article numbers ; 1 ) XXXX ( Date XXXX/XXXX/2016 ) 2 ) XXXX ( Date XXXX/XXXX/2016 ) 3 ) XXXX ( Date XXXX/XXXX/2016 )
Consumer complaint received 2020-04-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: PNC Bank N.A. (PA)

Why are is PNC not allowing use of the XXXX app?? That is the easiest way to send money to friends/family for whatever reason. It's all of the sudden not allowing me when previously this was not an issue. Its EXTREMELY disappointing!!! The only thing I can figure is that PNC is forcing everyone to use XXXX on their app or website which is XXXX! Please fix this so that we have the ability to use XXXX again.
Consumer complaint received 2016-06-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Transunion is aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ). I would like to point out that Transunion is violating provisions of the FDCPA by implying that the legal status of XXXX XXXX XXXX XXXX debts are collectible by reporting the alleged debts on my credit report. The exact statute is XXXX XXXX XXXX, ( XXXX ) The false representation of -- ( A ) the legal status of the alleged debt and ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 
1. I am a resident of Colorado. 
2. Transunion does business in Colorado and is subject to Colorado 's laws including the Statute of Limitations and knowingly publishing/reporting/promoting false and/or defamatory and incorrect information. Transunion may not knowingly publish false information such as the collectability of a debt. The SOL in Colorado is well defined and is the period of collectability. Reporting incorrect information as to collectability is a violation of the FDCPA. 
3. Transunion is willfully and knowingly violating XXXX Colorado statutes by publishing defamatory and incorrect information.
Consumer complaint received 2023-07-24
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: OCMBC, Inc (MD)

I am the seller of a property in XXXX. The buyer 's appraisal came in about 23 % lower than the market rate. I reviewed the appraisal and found a number of discrepancies which orchestrated a lower valuation. 

The issues were : - - a comp on the next block and exact replica was not used - other comps .1 and .4 miles away were not used but one .8 miles away was - the appraiser noted a 2 % /month valuation increase but justified not assigning it to a comp which was 1 year old and adjacent to the subject property - negative adjustments were used and positive ignored - the market rate for the immediate neighborhood is XXXX XXXX XXXX XXXX XXXX but 2 comps that sold at around XXXX XXXX XXXX were used - the appraiser quoted incorrect square footage data for 3 comps. It made the ( 2 ) $ XXXX XXXX comps appear to be XXXX XXXX XXXX XXXX. It made the comp in closest proximity to appear to have sold for XXXX XXXX XXXX but with the right square footage would indicate it sold for XXXX XXXX XXXX - during the appraisal the appraiser ripped a shutter off the wall, took down a rail and dislodged a thermostat. He acknowledged this occurred during his visit. He then listed these as repair items Result The sale contract was for {$290000.00}, less than a {$300000.00} comp 335 feet away ( he did not use this ). My property is in better condition. However, the appraiser value came in at {$230000.00}. Please note he did assert a 2 % /month valuation increase. 

This low valuation meant the sale would not go through, unless the lender rectifies this. Being a FHA appraisal it will be associated with the property for 6 months and limit the pool of future buyers. 

Action Taken I wrote a letter and requested it be forwarded to the loan officer highlighting the issues. 
No feedback was received so far.
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I noticed unauthorized inquiry on my reports or noticed someone applied for something in my name. According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items must be removed. XXXX XXXX XXXX ( XX/XX/2022 )