davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX  A - Account # XXXX-XXXXXXXXXXXXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX  XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX/XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 3. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2021-04-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (MD)

As of XX/XX/XXXX PNC HAS NOT UPDATED MY BALANCE CORRECTLY. My account number is XXXX. I've longed complained for the sum of 3 months about my ledger balance. PNC 's algorithm hasn't been updating correctly. My ledger balance is not updating correctly which is causing overdraft fees and misappropriated funds. XX/XX/XXXX i was granted a covid relied fund totaling the amount XXXX and XX/XX/XXXX my payroll deposit went in in the amount XXXX the morning of XX/XX/XXXX my account was overdrawn XXXX by no cause of my own. My total spending did not exceed the amount of available funds. I contact pnc 's escalations team about the missing Money in my account in the latter of XXXX XXXX .The account escalations rep XXXX XXXX XXXX XXXX XXXX, of whom I've yet to have a conversation with about the account however she has noted the account as if the bank has no wrong doing. PNC sent me a email stating my account was overdrawn for 12 days in the amount of XXXX since XX/XX/XXXX, i emailed XXXX XXXX my receipt for that day and the copied email stating the system is no calculating the account activity correctly. i also visited the branch in XXXX Maryland and spoke with a XXXX XXXX XXXX about this and although he was polite he referred me back to XXXX XXXX. I can't prove yet it appears someone employed is preying on lowered income peoples accounts.
Consumer complaint received 2021-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Smart Money Alliance (CO)

I entered the Smart Money Alliance XX/XX/XXXX. A week later I was assigned a mentor a week later charged XXXX  dollars on a free program. Then hit with a non compliance law suit for XXXX Called the company with zero response When the document stated call within 24 hrs ... .called and called. They replied via email stating they were going to proceed with a small claims court.
Consumer complaint received 2021-04-17
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: Home Point Financial Corporation (IL)

My mortgage was in forebarence due to COVID from XXXX at which time my mortgage was transferred to another lender. Home point financial reported to the credit bureau that I was late on my mortgage for the following months : XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX which were protected under the forebarence not to be reported as late
Consumer complaint received 2021-04-16
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. (OK)

. I submitted dispute letters on XX/XX/XXXX, a 30 day to comply letter mailed on XX/XX/XXXX and a final dispute letter mailed on XX/XX/XXXX. Along with my FTC report along and a signed and notarized Identity theft affidavit, to show proof of ID theft and the accounts that were listed were not deleted or investigated but remained on my credit report.
Consumer complaint received 2021-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MI)

I am trying to refinance my home since the rates are so low, however, my credit score has disappeared from XXXX  and Equifax. According to XXXX, it is at XXXX but the other two have shown it as frozen or non-existent. I paid XXXX  have the scores revealed there, but they are at 0. The only thing we can think of is that when we let the bank know that my mom passed away on XX/XX/2020, something must have also happened to my credit score by XXXX, as that was when I was unable to get my FICO score in my mortgage app. She helped me create a bank account and establish a credit score when I was 18 under her own account. I've tried everything from creating accounts on the credit bureau websites, unfreezing my score, calling customer service, visiting my bank, etc. but nothing has helped me to find what happened to my score. I am still paying my mortgage, I've always paid my credit cards in full and have no delinquent payments. PLEASE help me find out what happened to my score and how I can get it back. Thank you.
Consumer complaint received 2021-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (AZ)

Discovered that Nelnet does not report late payment greater than 30 days and that they only report greater than 90 days. On XX/XX/XXXX, according to agent XXXX XXXX with agent number of XXXX, he stated that my loans went out of deferment and the first loan payment was due XX/XX/XXXX, over 6 months later. Credit reporting agencies show that the loan was reported as " ok '' from XX/XX/XXXX thru XX/XX/XXXX. According to their records, they did not start reporting late until XX/XX/XXXX. I was not notified of loan coming out of deferrement status and in turn the loan has late payments from XX/XX/XXXX thru XX/XX/XXXX due to the false reporting of Nelnet. They reported my loan as " ok '' from XX/XX/XXXX thru XX/XX/XXXX, when it was in reality in default. The loan has since been sold to XXXX  and they are refusing to edit their false reporting of payments to all three credit bureaus. I have also included a deferment approval letter stating that my loan payments were never due. Nelnet never communicated with me to notify me of loan payments being due.
Consumer complaint received 2021-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Hey Good evening, So I recently check my credit from XXXX and i notice a few fraudulent accounts on my credit report. I dont normal check my credit but i was at shocked when i saw how many accounts that was fraudulently open under my name. I got a few alerts stating that my information was on the dark web. Also, i was affected by the equifax breach that happen a few years ago. I contacted the 3 credit bureaus regarding this and i was told to get an FTC report.
Consumer complaint received 2021-04-16
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. (TN)

XXXX XXXX XX/XX/2021 SSN : XXXX To whom it may concern, Im writing this letter to dispute the following accounts : XXXX XXXX XXXX This company is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.

Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g
Consumer complaint received 2021-04-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (NE)

I believe Specialized Loan Servicing purposefully under calculated escrow accounts during mortgage modification to make my modification appear better than it actually is. 


This is reflected in the rapidly increasing escrow shortfall and the resultant increased monthly mortgage payments. 

In 2021, although my property valuation did not increase, escrow shortages have increased mortgage payments over {$100.00} per month.
Consumer complaint received 2021-04-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Tried to wire {$150000.00} from XXXX XXXX account to BofA checking account. BofA rejected the wire because I used my maiden name. They returned the {$140000.00} to XXXX charging a {$45.00} fee. The wire team at BofA confirmed the fee but said they couldn't return it to me, I would have to speak to the general customer service team to get this money back. When I spoke with the customer service team, they said they didn't charge this fee and said that BofA doesn't charge this type of fee. But, I was told the exact opposite from the wire specialist with whom I spoke and there are other blog posts of BofA charging others for the same thing. This is an erroneous fee that I'd like returned to me. All of the calls with BofA are recorded and I'd like someone to look into them
Consumer complaint received 2021-04-17
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: EQUIFAX, INC. (MD)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-04-16
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: IQOR US INC (OH)

I paid off {$1300.00} of a collections balance to remove a family member as a cosigner from my account with the company. I received a receipt stating the cosigner was removed and I would be responsible for the remaining balance. I still owe a balance but my cosigner is still being called about the loan. My cosigner has begged them to stop calling her and has told the company I have not lived at that number for years. I told them the same when I spoke with them and begged them to stop calling my cosigner because she is elderly and sick. She is extremely stressed and is being harassed at this point. They continue to call and my cosigner stated the company told her they will not stop calling her because I still owe a balance. I was assured after the {$1300.00} payment was made to release her as a cosigner that no more calls would be made to her. I simply want the company to stop calling my cosigners home and to stop harassing her.
Consumer complaint received 2021-04-16
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: HW Holding, Inc (SC)

Hunter Warfield Inc add a derogatory mark on my credit report per XXXX XXXX. upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. also, there was No written form communication, contract, or signature for this accused debt at all. a bill without a signature does not validate the debt and anyone can send a bill and say its mines. according to the FCRA, Hunter Warfield Inc has violated my rights as a consumer and im requesting legal action to remove this account immediately.
Consumer complaint received 2021-04-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Automated Accounts Management Services (FL)

In XX/XX/XXXX, I checked my credit report and noticed a collection account from Automated Accounts Management Systems ( AAMS ). I sent a validation request on XX/XX/XXXX. I received a response from AAMS dated XX/XX/XXXX. I noticed that this company had my all of medical information from XXXX XXXX XXXX and that is what they sent me. I was never given any validation that had my signature on it that allowed them to collect. At that time I was beginning to do research on HIPAA violations and realized that this is a violation of my HIPAA. AAMS should not have this protected information without my consent. I sent a letter requesting that this information be immediately removed as this is all a HIPAA violation. I received a response from AAMS that they had sent verification information back in XX/XX/XXXX and that they would not respond to any more requests. I was flabbergasted. They are not allowed to have any of my medical information. I send another certified letter dated XX/XX/XXXX ( Sent on XX/XX/XXXX ) and they received the letter XX/XX/XXXX. I have not received any response.
Consumer complaint received 2021-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BBVA FINANCIAL CORPORATION (TX)

Hello, On XX/XX/XXXX, I messaged BBVA to inquire about a credit limit increase. I thought there was a certain amount of time before a new customer is eligible for an increase and didnt want to waste a hard pull by asking too soon. 
Via messaging they told me I could ask anytime, theres no time to wait. It would be hard pull etc. thats fine. I knew I wouldnt be denied based on credit worthiness. 

So, I took the hard pull and applied and I was denied based solely on the fact that I asked too soon! Length of time accounts have been established. 

I asked why I was lied to and basically I was told too bad. It should be illegal to lie to people and have them take a hard pull and deny them based on something you said was a non factor.
Consumer complaint received 2021-04-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc. (TX)

Procollect received my utility account debt from XXXX XXXX. I contacted them to payoff the balance in full but prior to setting up an arrangement, I asked the collector, XXXX XXXX, at the time if this item would be removed from my credit report and she advised that it would be removed and to allow 30 days to see the deletion. I paid this account off on XX/XX/2020 and the item is still on my credit report. I tried contacting both Procollect and XXXX and was advised that I was misinformed but the debt will not be deleted from my credit report.
Consumer complaint received 2021-04-16
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX XXXX AND XXXX CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX XXXX AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING
Consumer complaint received 2021-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I called XXXX and sent a dispute to the credit bureau in XXXX about the account still showing open on my credit report. XXXX is saying the credit bureaus take 90 days to update their records. Which is false ... one because I did a dispute with experian and XXXX lied and told them the account is still open. And they are refusing to correct it on my credit report
Consumer complaint received 2021-04-04
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. (DE)

Account not mines, submitted FTC report.

1. XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX {$650.00} Balance updated XX/XX/2021 Account Info Tap labels for more details Account number XXXX Inquiry 2.XX/XX/XXXX
Consumer complaint received 2024-09-10
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (TN)

I am writing to formally dispute the collection account placed on my credit profiles by National Credit Adjusters ( NCA ), claiming that I owe {$230.00} to a company named Cash Central. I have no knowledge of this debt and have never conducted any business with XXXX XXXX. I believe this claim is inaccurate, misleading, and unfounded. 

On XX/XX/year> and again on XX/XX/year>, I requested debt verification from NCA via certified mail, as required under the Fair Debt Collection Practices Act ( FDCPA ). Despite providing ample time for a response, NCA has failed to provide any proof or documentation that substantiates the validity of this debt. This failure to respond violates my rights under the FDCPA, which mandates that a debt collector must provide verification upon request. 

Given the lack of response and the absence of any evidence supporting this claim, I am demanding that NCA immediately remove this inaccurate collection from my credit profiles with all credit reporting agencies. Continuing to report this unverified debt is a violation of the FDCPA and XXXX subject NCA to legal action. 

I expect written confirmation that this collection has been removed immediately to avoid further damage to my credit standing. 

Thank you for your immediate attention to this matter.
Consumer complaint received 2021-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I tried to send them a letter last XXXX asking for a copy of a signed contract bearing my signature, a copy of the payment statements of this account from which BANK OF AMERICA is reporting to the credit reporting agency. I am asking for proof that I was late on payment because they are reporting erroneous inconsistent account information. 

I received an automated response from them and they did not update the credit report as disputed. 

BANK OF AMERICA is violating the FCRA for reporting this account with inconsistent and inaccurate information that I disputed which they then did not update to the credit reporting agencies as " disputed '' and continues to report inconsistent account information which is in direct violation of the FCRA. 

Attached is the letter I sent them and the response from the BANK OF AMERICA.
Consumer complaint received 2021-04-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Cstone Mortgage Inc (NV)

I got a call from XXXX XXXX at cornerstone mortgage who say we can refinance your loan she help me originally loan I have now from purchasing in nevada retire home move from California sold house there. The refinances loan started last year in XX/XX/XXXX. I send all information that the underwriter needs approved me 5 times the out the XXXX then a few approved of conditioning loan approvals then XX/XX/XXXX loan should have closed. So the underwriter decided not to close loan on retire booklets bottoms page were I highlighted out my CSA number retire booklets on page were the underwriter approved 5 to 6 times with the same info in pages the. Decided not to approve on XX/XX/XXXX and still waiting on closing just fax income proof letter from ssa that i will be getting in next year still have not heard anything from this company I like just paid off my debts with another co but I think they may charge me a fee can someone help please need help my number XXXX and now few more month it a year no one should wait this long for refinance loan I work XXXX at XXXX XXXX XXXX XXXX XXXX helping vets I hope this will never happen to anyone thanks XXXX XXXX this complaints of processing loan only and waiting to long as almost a year.
Consumer complaint received 2021-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

The 3 credit reporting agencies has an increased balance ( over {$50000.00} ) on my credit report. My mortgage company has the correct balance. Its almost impossible to speak with anyone at these credit reporting agencies. They have erroneous information on my account. I would like them to remove the extra amount. They didnt get the information from the mortgage company. The credit scores for Experian is XXXX points lower than the other 2. This is not fair to consumers. I need help in removing the incorrect {$5000.00} from my credit report. Thank you.
Consumer complaint received 2021-04-16
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: CCS Financial Services, Inc. (FL)

VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX, XXXX  AND XXXX  CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX  AND XXXX  AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.