davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-21
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A. (VA)

My original mortgage was by a bank in XXXX Ohio. Apparently, this bank sold my mortgage to PNC Mortgage. I was offered a better loan rate if I opened a PNC bank account. I opened the account because I was told that there was no fee on the account. PNC encouraged me to sign up for paperless billing, which I did as I thought it would be eco-friendly as well as cut down on mail to my home. I recently received a letter from PNC Bank stating that my bank account was overdrawn and they had tried to contact me previously. I know this is not the case as I recently refinanced my PNC Mortgage, which involved detailed discussions with all levels of staff within PNC and no one ever mentioned that PNC started charging a monthly fee for my bank account. When I called the PNC customer service number in the letter, I was told that PNC changed the policy XXXX years ago and that I had been incurring monthly fees ever since then. I was told that I would have to go to a branch and speak to a manager. I went to the nearest branch and told the manager that monthly fees had been charged against my account for XXXX years without me ever being given notice. I further explained that I only opened the bank account to get favorable loan terms and had no reason to further engage the account as it was a secondary account that had no activity since its inception ( other than the fees ). I did n't receive any statements because I opted out of postal mailings and I never established an online view because I was told there was no fees and I had no activity on the account. The branch manager said that she could only request a few months reimbursement for the fees and that I would have to make a complaint in order to receive my money back. My request was denied and the manager stated she could not override the reimbursement denial. I was told that the fees are assessed on any bank account with less than {$500.00}. I was paying a mortgage of {$3000.00} monthly with PNC.
Consumer complaint received 2016-02-03
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (TX)

Midland Credit Management ( MCM ) is attempting to collect a debt with a misrepresented amount. This is in violation of the Fair Debt Collection Practices Act ( FDCPA ). MCM is also reporting inaccurate information on my credit reports which is in violation of the Fair Credit Reporting Act ( FCRA ). 

I have contacted MCM through the XXXX ( XXXX ) in an attempt to resolve this matter. MCM stated in the XXXX complaint, complaint ID XXXX, that they would stop reporting this account to the credit reporting agencies until additional information is acquired. Their exact words are : " While Midland Credit has acted appropriately and according to applicable law, it will inquire with the seller for additional information and documentation for the account. Once Midland Credit obtains the requested information, a response will be forwarded to XXXX XXXX through your office. The account will not be furnished to the XXXX major credit reporting agencies until Midland Credit is able to provide XXXX XXXX with further information. '' MCM has not provided this additional information to either the XXXX or myself and is still reporting the account to the credit reporting agencies.
Consumer complaint received 2024-10-01
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. (FL)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Several errors have been found when examining the credit report 's details, raising questions about the accuracy of the data because it reports differently on all bureaus. 
Under the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. 
Account XXXX XXXX XXXX XXXXXXXX, Inaccurate account on my credit report. Provide verifiable proof or delete the record immediately. Account XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate account on my credit report. Provide verifiable proof or delete the record immediately. Account XXXX XXXX XXXX XXXX, Inaccurate account on my credit report. Provide verifiable proof or delete the record immediately. 
I looked at my TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 I ( 5 ) they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are supposed to 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 2015-07-22
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (TX)

My girlfriend and I are shopping for a mortgage. On XXXX XXXX, 2015, she visited a local Chase branch ( XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX ) and spoke with a mortgage banker named XXXX XXXX to find out what loan rates they could offer us. As part of the process, she called me to ask for my SSN. I stopped and inquired what it would be used for and was told they had to put it into their system to get an accurate rate quote. 

Next thing I know, she is calling me on the phone to ask questions about details from my credit history. He had apparently pulled my detailed credit report and was going through it with her discussing specific findings he was pointing out. It was very upsetting for me to me try to understand what they were seeing and referring to. He also gave her a printed copy of my entire credit report to take with her in a clear breach of my privacy. 

At no point did I authorize them to release details from my personal credit information to a third party. If there were particular items to be addressed, he needed to set up a time to discuss my personal information with me directly. 

My overwhelming concern is that this experience proves just how easily anyone could take someone else 's SSN into a Chase branch, chat with a mortgage banker, and with very little social engineering, walk away with someone 's entire credit history.
Consumer complaint received 2016-02-01
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: American Coradius International LLC (CA)

On XXXX XXXX XXXX, I received a billing from American Coradius International LLC ( ACL ). The billing is dated XXXX XXXX XXXX. In it, ACL indicates an account " has been placed with our office for collection. '' The creditor is identified as XXXX, XXXX. In the billing, my first name is misspelled. No validation of debt was included. A call to XXXX confirmed that I have no debt with XXXX. My credit report shows no negative report or judgment. While communication from ACL was not electronic, this billing and threat of action resembles phishing.
Consumer complaint received 2015-07-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Pinnacle Credit Services, LLC (NJ)

I owed XXXX XXXX {$360.00} a couple months later, Pinnacle Credit Services LLC was on my credit report. Moreover, a year later i settled the debt with there XXXX party which i dont understand because t tey have a lot of XXXX parties. Anywayway upon payment it was agreed that the debt was settled and will be closed and taken off my credit report after 30 days. They sent me XXXX letters verifying account is closed. I disputed to all XXXX credit burueas twise and it is still on my credit report and they keep reporting.
Consumer complaint received 2016-01-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (FL)

I have a communication from AFNI regarding an attempt to collect {$23.00} of a {$47.00} debt. There is no information on the origin of the debt, how it was incurred or when. I have always paid XXXX in full and returned all of my equipment, however I have had many issues with them trying to bill me for non-existant services or equipment that they could not track. XXXX, I owe nothing to XXXX and they never tried to contact me regarding a debt. My forwarding information has been included at every place I have lived and I am currently a customer of XXXX with no issues and all bills paid. I believe that XXXX is trying to fraudulently pursue a debt that was improperly issued by their billing system or ANFI is just fraudulently trolling for money. It is interesting that XXXX engages a debt collector for a mystery {$47.00} when I am currently paying them ~ {$70.00} per month and have probably paid them over {$1000.00} in the last 2-3 years and they have never, ever contacted me about any debts. When they did contact me about debts in the past I disputed their authenticity as they were trying to get me to pay for equipment that was returned and they failed to track properly or trying to bill me for services I was receiving as part of a block purchase contract by my HOA. I can easily pay this amount, however I do not owe and the low amount strikes me as an attempt by XXXX and their debt collectors to shake me down for free money.
Consumer complaint received 2015-06-03
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc. (CA)

After a hospital stay on XXXX my hospital bill was sent to my insurance and the remaining copay was sent to my address by XXXX XXXX, upon receiving this bill I payed my copay. On XX/XX/XXXX I received a call from a debt collector ( CMRE ) stating that I did not pay a medical bill from XXXX XXXX. After contacting XXXX blue cross they stated that XXXX failed to properly bill my health insurance and also failed to correctly write down my address so I did not receive any bills in the mail or correspondence regarding this bill. 

I have contacted XXXX XXXX and asked for the bill and they refused to email me the bill and refused to help me in any way. They stated I must deal with the debt collector. I contacted the debt collector and they refused to acknowledge that I have full medical insurance through my employer. My health insurance has paid this medical and I am still receiving calls from the debt collection agency and this will adversely affect my credit and my ability to obtain a XXXX I am currently in the process of obtaining. 

I would like XXXX to immediately contact CMRE the debt collection agency to desist and remove any and all debt collections that may appear on my credit in regards to this medical bill. My Insurance has paid this claim and I should not be getting harassed by a debt collection agency because of mistakes made by XXXX XXXX.
Consumer complaint received 2016-02-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Selip & Stylianou, LLP (NJ)

I was sued with judgment from a collection agency Eichenbaum and Stylianou- XXXX XXXX. I did begin paying after receiving documents filed in XXXX and threats via phone by the company representative, XXXX XXXX XXXX that there would seize everything in my possession and be a lien and garnishments from my bank account and However, on XXXX XXXX, XXXX I received another letter from a different agency for the same collection. This peaked my curiosity. So, I then contacted the phone company which no longer had records of this bill from XXXX. I contacted E & S advising that I would cease payment that the phone company had no records of and that another agency was also trying to on for a different amount beacause I had felt that this had seem fraudulent. In XXXX, a judgment was entered for {$1700.00} for breach of contract. In which I was unemployed at the time. However, I was told that I still must submit a payment.. I contacted the courts and submitted a letter to the court and E & S advising of my employment status. 
In the past year XXXX E & S now changed to XXXX ( XXXX XXXX ) has contacted my relatives looking to collect this debt. My address has not changed. This debt is neither in my credit report nor in public record. A few days ago I received a letter for garnishment of wages. So, I contacted my local court whom advised that the docket has not changed since in over 6 years - yet their letter refers to the docket from when it was filed XXXX and updated in XXXX. So, I really do n't find their collection practice as being legal as 1- the phone company has not record of this. 2. Another collection agency was trying to collect on it. 3. Courts has no updated info regarding the suit nor of a garnishment.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

My account with XXXX XXXX XXXX  is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports.
Consumer complaint received 2015-07-21
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: FIRST GUARANTY MORTGAGE CORP (NY)

I have been working with my mortgage company First Guarantee Mortgage ( FGMC ) since I applied for the loan XX/XX/XXXX. I was approved for a XXXX close FHA construction loan XX/XX/XXXX and still have yet to receive the final draw on the loan. I have been reaching out very regularly to the company and struggling each and every time. XXXX XXXX the draw administrator refuses to answer my phone calls and I lave her voicemails and she just emails me back when I just need to talk to someone. For over two weeks now I have been working with them to initiate the final draw. They will not provide me information on how to secure an exterior door that we will not be using in order to make it acceptable for the FHA loan. No one will put in writing for me that I will not lose my interest rate that I have been verbally told will not be lost due to this delay. I have had to initiate all contact with the company and no one follows up with me unless I call and get upset.
Consumer complaint received 2015-07-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This account has been paid in full since XXXX 2015. The company has yet to update the status and balance. It also lists late payments when in fact I was on time since XXXX 2015. I would like this account deleted if not then corrected
Consumer complaint received 2016-02-17
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: National Credit Adjusters, LLC (AL)

Plain green loans broken fair debt collection practices. And trick me into this loan with unjustifiable interests. They keep sending different amount to transunion credit when I check my credit report falsely accusing me of owing then XXXX and then XXXX this pay day lender slash loan sharks. XXXX. But now sold debt to XXXX, KS XXXX XXXX XXXX XXXX National credit adjusters XXXX XXXX XXXX and to mention this trying to collect a debt through a email. And never have they validate this debt.
Consumer complaint received 2015-04-22
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC (PA)

XXXX XXXX XXXX is trying to collect on a Debt that they have Changed the Date to a Newer Date and they made XXXX Debts into claiming that they is now XXXX Debts. There were only XXXX Debts and they were from XX/XX/XXXX-XX/XX/XXXX and now they claim that there are XXXX Debts and they are the XXXX duplicates.. I called them and told them they were the same Debts and they told me to pay all XXXX of them or they would have me arrested. Contacted XXXX and they claim they are valid, But never did any research on any of the debts or they would have clearly seen they are the same debts and are " re-aged ''
Consumer complaint received 2016-01-13
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (SC)

A forbearance was process on my Private student loans serviced by Navient Inc for the XXXX 2015 to XXXX 2015 time period. Navient reported my student loans as 90 days past due as of XXXX 2015. I contacted the Executive Offices at Navient to update this reporting error and they refused. I 've attached a copy of the e-mail correspondence from the Navient representative which clearly states that a forbearance was processed on my account and therefore there is no way possible I could be 90 days past due in XXXX 2015. 
According to a recent FTC advisory opinion which interprets Section 623 ( a ) ( 2 ) of the FCRA. The issue posed in the advisory opinion is how a lender is to handle a situation when subsequent information updates a report that was allegedly accurate when it was made but no longer is accurate in the present time ( the identical situation I am currently in ). 
The advisory opinion states that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus. In particular, this section requires a person that " has furnished to a consumer reporting agency information that the person determines is not complete or accurate '' to " promptly notify the consumer reporting agency of that determination '' and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct. '' Navient representatives told me that because the delinquent payments were accurately reported in XXXX of 2015 that any subsequently initiated deferments and or forbearances would not allow for Navient to update reports to CRAs to show that the payments were not late and actually in deferment. However, Section 623 ( a ) ( 2 ) clearly shows that the reports must be updated/corrected regardless of whether they were accurate at one point. *