davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-16
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PNC Bank N.A. (NC)

I was divorced in XX/XX/XXXX. My ex-husband and I had jointly financed a XXXX XXXX XXXX through PNC Bank. In the divorce he was given the XXXX and all financial debts linked to it. 
After I received a copy of the court order that the XXXX was to be the sole responsibility of my ex-husband I began to get notices of missed payments. Not knowing what else to do, I immediately took a copy of the court order to my local PNC branch and attempted to show them that I should be taken off the loan. This occurred multiple times. Every single time I went to a branch I was told they would not help me. 
On XX/XX/XXXX I received notice that the bank had foreclosed on the loan due to non-payment. All throughout this I tried to contact my former husband who was nonresponsive. Then in XX/XX/XXXX I received a notice of the plan to sell the XXXX at a public sale. The balance of the loan was a little over {$41000.00} and PNC sold the XXXX for a little more than {$23000.00}, leaving a balance of {$18000.00} that my former husband owed. I received the notice of this balance in XX/XX/XXXX. 
After several attempts to get help from PNC I finally found an attorney who was willing to help me for free because he was a member of my church. PNC at first took him seriously. In XXXX he began corresponding with different individuals at PNC until he worked his way to XXXX XXXX, and executive client relations specialist. 
In early XXXX I received a notice from PNC that they would settle the debt for approximately {$5500.00}. 
The attorney spoke with XXXX and she stated that there was nothing that PNC could do to help because I did not tell PNC that I was supposed to be taken off the loan before they foreclosed on it ( which is patently false. ) He then asked her about potentially discussing different settlement options. She said she would reach out to the settlement department and reach back out with what settlement could do. That was in early XXXX. The attorney reached out four or five times since that and has gotten absolutely no response. 
The last thing that happened he called and left a voicemail and the message said his call would be returned within 24 hours. When it was not he sent an email informing them that due to their failure to respond to any and all contact, that they misrepresented themselves, and have purposefully tried not to send us in the right direction that I would be reporting to CFPB.
Consumer complaint received 2024-09-21
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

I do not have specific dates as I have been struggling with this loan for 10 years now. I have acknowledged to the loan company that I have simply been paying the interest only and not the principal of the loan because of the amount due. I was told that I had a fixed loan percentage, and then come to find out I dont. Payments ranged from the amount of $ XXXX currently as being the interest. How am I going to ever pay a loan down that I took out that is more than what I originally took out. None of my low income driven forms that I submit ever get excepted, for some time they led me into going into forbearance for some time, which only let the interest go up. They recommended to refi my loan which I have attempted as well as my co signer, but nobody will help. I am going on 13 years now will the loan only getting larger and larger in amount, and yet nobody is willing to help or figure out how I can bring this loan down.
Consumer complaint received 2024-10-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: FCI Lender Services Inc. (NY)

Consumer Financial Protection Bureau ( CFPB ) have made efforts to streamline help provided to homeowners through mortgage servicing companies and provide enforcement of critical protections for homeowners who were affected by the XXXX economic crises. However, more needs to be done to scrutinize the activities of banks, investors, XXXX, XXXX Funds owners, Servicers and other private entities who continue to side-step existing laws put in place to help homeowners avoid foreclosure, equity theft, gentrification, and loss of generational wealth. I am writing this formal request for CFPB intervention due to the refusal of the Servicer to resolve my complaints and the predatory behavior of XXXX XXXX XXXX XXXX, its investors XXXX XXXX XXXX and its successor XXXX XXXX XXXX. 

XXXX. In the period preceding the foreclosure crisis in XXXX, Lender XXXX Mortgage ( my lender at the time ) started foreclosure action and I requested loss mitigation assistance from XXXX Mortgage who negotiated a settlement offer of {$150000.00} for full and final satisfaction of the debt in XX/XX/XXXX. 

XXXX. Before the payoff period expired, Investor XXXX XXXX XXXX through its XXXX XXXX XXXX XXXX XXXX intercepted this agreement/settlement offered by my lender and thereafter refused to accept payment within the time period allowed by XXXX Mortgage XXXX 

XXXX. XXXX XXXX XXXX XXXX XXXX a.k.a XXXX XXXX ( owner of XXXX XXXX XXXX ) tried to substitute as plaintiff in the foreclosure action instead of XXXX Mortgage and was denied multiple times in Supreme court. XXXX XXXX subsequently withdrew their attempt to substitute in the foreclosure action and restarted a new foreclosure case under new investor ( XXXX XXXX XXXX ) in XXXX after the statute of limitations had expired. 

XXXX. XXXX Dear denied XXXX XXXX XXXX for Summary Judgment with Prejudice on XX/XX/XXXX yet this investor and its Servicer XXXX XXXX XXXX XXXX continue to aggressively pursue deed -in-lieu, high pressure delay tactics, and costly litigation as a means to force me out of my home. This foreclosure matter could have been settled years ago, but XXXX XXXX XXXX XXXX and its XXXX XXXX XXXX XXXX are trying to steal the equity from my home through excessive fees, predatory delay tactics and illegal attempts to sell my home at auction. 

XXXX. XXXX XXXX XXXX XXXX also refused to provide proper accounting, did not properly serve pre-foreclosure notices as required by law ( RAPL XXXX ). 
Especially egregious, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX are actively trying collect payment of a debt that is past the statute of limitations in violation of XXXX XXXX ( XXXX ), XXXX ( h ), CPLR XXXX ( a ) and the Foreclosure Abuse Prevention Act..
Consumer complaint received 2024-10-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Early Warning Services, LLC (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, OH XXXX XXXX XXXX Consumer ID : XXXX XXXX Early Warning Services , LLC XXXX XXXX Department XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX Subject : Dispute of Inaccurate Information Due to Identity Theft in Early Warning Services Report Dear Early Warning Services, I am writing to formally dispute inaccurate information in my Early Warning Services report , which is the result of identity theft. I did not authorize the transactions or accounts reported under my name, and I am requesting that these fraudulent items be removed from my report immediately. 

Item ( s ) Disputed Due to Fraudulent Activity Please Remove XXXX XXXX XXXX Contribution Ref # : XXXX ABA Number XXXX XXXX Account Number : XXXX Name : XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone : XXXX SSN/Tax ID XXXX ID # : XXXX ID Type : Driver 's License/USA ID State : OH Incident Date : XX/XX/XXXX Principal Loss : Contribution Reason : Checking Account Fraud The following section refers to transactions related to your bank accounts ). 

Bank Name : XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Consumer Removed Date : XX/XX/XXXX Current Account Status : Closed-Purged Previous Account Status : Closed Reason for Dispute These accounts or transactions were not initiated or authorized by me. They are a result of identity theft, and I was unaware of them until I reviewed my XXXX report. 

Attached, you will find the following documents to support my claim : FTC IDENTITY THEFT REPORT I request that you conduct a reinvestigation of these items and promptly remove the fraudulent information from my report. I also ask for written confirmation that the report has been corrected following the investigation. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX
Consumer complaint received 2016-02-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Stellar Recovery, Inc. (MD)

Stellar Recovery Inc listed a collection account on my credit reports which I have no knowledge of. I have no clue who this company is or what account they have listed on my credit reports. I have received no correspondence from this company regarding any account. They have fraudulently accessed my credit report, and I am disputing this account.
Consumer complaint received 2015-09-16
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Voss & Klein, LLC (FL)

I filed for bankruptcy chapter XXXX, and part of the process included surrendering all of my properties. A company placed me in collection for a job I never requested, from XXXX of these properties. I did not receive any kind of communication and while I was in bankruptcy was placed in collection since 2011
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

To whom it may concern, I am writing a letter of dispute. I have included a copy of my driver 's license and social security card to validate my identity. In accordance with Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( hereinafter referred to as " FCRA '' ), your credit reporting agency is required by Federal Law to verify physical records on file of the original signed account or contract from any accounts you post my credit report.

I am formally requesting verifiable proof of the original consumer contract with my personal signature on the record. 
I have listed the accounts below in which I am requesting said verification of. Failure to verify account records in compliance with the FCRA will damage my ability to obtain credit. Under FCRA, unverifiable accounts must be promptly removed. 
I formally demand the following negative account records to be verified and/or removed immediately. 
Must provide proof of all your verification of the debt Explain and show me how you calculated what they say I owe Provide me with copies of any papers that show I agreed to pay what they say I owe with the original contract and my signature Identify the original creditor Provide a verification or copy of any judgment ( if applicable ) Please provide proof of the debtor, that they are licensed in my state and provide me with their license numbers ( if applicable ) XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Account Number : XXXX {$20000.00} XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX
Consumer complaint received 2024-10-01
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Sunnova Energy Corporation (NV)

I was approached by a XXXX XXXX ( the broker ) on XX/XX/year> to sign a solar power purchase agreement ( PPE-EZ ) with Sunnova ( the solar company ). 

The agreement was signed on the premise that my household average consumption is 1600 kW per month based on calculation of my electricity bill provided by NV Energy and analyzed by the brokers engineer XXXX. 

Per the agreement attached, the solar system, which is owned and maintained by the company, was supposed to surpass my household consumption requirements during the high season and produce enough power for credit that will cover the low season. 

The purpose of the agreement is paying the company a set payment instead of a fluctuating bill to NV Energy ( utility ).

The monthly statements attached clearly show the power being generated by the solar system is less than half my consumption resulting in payment to both the company and NV energy. 

When I reached out to the company to try to remedy this situation, I was told that the system is working properly and as expected. They said I can add more solar panels to reach sufficient production, which will result in another increase to my monthly bill. 

I am a senior immigrant ; my son was generous enough to help me write this letter because of my limited language skills. 
I feel that I was taken advantage by brokers engineer, who promised that I will have a set payment to the company and nothing else. 

I personally know another person who got burned by this companys business model and hes willing to come forward and file a complaint as well
Consumer complaint received 2016-02-14
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: G&P Enterprises, LLC (CA)

Allied Trustee Services filed a wage garnishment claim against me for 3 months of XXXX dues owed from 2011. I received no notice of this action nor had an opportunity to resolve prior to my wages being garnished. They garnished a total of {$6200.00} claiming interest and fees. I never received an itemized statement of charges from Allied Trustee Services. This property was foreclosed and I was no longer living on the property but the XXXX continued to bill me.
Consumer complaint received 2024-08-16
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. (NY)

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 XXXX XXXX XXXX. 

Account Name :XX/XX/XXXXXXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XX/XX/year> Experian XXXX XX/XX/year> Experian XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/XXXX XX/XX/year> XXXX 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 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Someone is continuing using my SSN to apply for credit. Things that I disputed in the past that has been removed are now back on my report. Also there is a new collection on my account that isnt mines. The credit agency has verified that Im a victim of identity theft, Removed the items but are allowing them to post again
Consumer complaint received 2024-08-16
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. (CA)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2024-08-16
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (FL)

RADIUS GLOBAL SOLUTION Reported a debt regarding XXXX to the credit bureu and it has drastically reduced my credit rating. I was never contacted and the debt is not mine. I reported it to them and to the cedit bureu.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

My federal student loan servicer is XXXX. There was a transition of XXXX so they would have more oversight by federal student loan agency. 
Now my same debt is showing up twice in my credit report. 
One reported at " federal student loan '' and once reported by " XXXX ''. 
I contacted Experian and they stated I must reach out to the company reporting directly. I contacted federal student loans dept and they stated they do not report to the credit bureau and only my servicer reports. I can only assume that XXXX was reporting and continues to report an that now under the new agency they created they are also reporting. 
My debt to income ratio is impacted as this doubles my debt prevent in g me from moving on with financial transactions that would typically be approved by a bank but are currently not. I have notified XXXX about the problem. 
XXXX is not rectifying the issue despite my account being completely transferred to their new platform 3 months ago.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

This letter is of extreme importance. This morning I received an update to my consumer report of a collection that has been added to my name. I have a fraud alert on my account because I have been previously a victim of fraud accounts. XXXX XXXX XXXX I has open. fraudulent account under my name im not liable for nor recognize. Please delete immediately as its not mine. This noticie is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. 15USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer. ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title. A consumer agency reporting shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. The following inquiries are a result of Identity Theft and was not initiated by me. I demand they are DELETED IMMEDIATELY.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

Please be aware that it is unlawful to threaten legal action without the intent to follow through. With that in mind, understand that I am fully committed to filing a lawsuit against your company. I have repeatedly requested that you investigate and remove the inaccurate information being reported on my credit profile, yet you have failed to take appropriate action. 
My understanding of the law is that you are required to investigate any incorrect information when requested, yet you have ignored all of my prior communications. This constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ), which provides consumers with the right to take legal action and outlines penalties for non-compliance by both credit reporting agencies and information furnishers. 
XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX & XXXX XXXX.
Consumer complaint received 2015-11-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: ERC (NM)

I closed an XXXX account in 2012 due to I have no signal in my house. I returned the cellphones and was charged a re-stocking fees, XXXX credited my account for the amount due to me, later a received an statement reflecting a debt. I returned to the XXXX store and the manager understood the matter and gave me adjustment form and noted the charges did not apply. Some time later I received another statement and returned to XXXX and explained this all over, I got another adjustment form noting I was penalized incorrectly and told me this was resolved. 
Then, At the beginning of this year I received a letter from Enhanced Recovery Company ( ERC ) LLC collecting an amount for ATT, I responded with a package of all documentation exonerating me from the debt. I never received a clearing letter from the collection company XXXX. 
On Thursday I checked my credit score and realized this account is still reported as on collection on the credit agencies. I contacted the collection company ERC and resend all information, today I received an email were ERC says they returned the case XXXX. I call XXXX customer service and financial office and no one help me. I ca n't get to the right office XXXX to clear my name, in the mean time my credit is affected and I ca n't get XXXX to engage in a conversation to clarify this since XXXX representatives told me that they can not help me since the account is close and there is zero balance. 
I need help in having XXXX clearing their mistake and clear my record, since XXXX in 2012 I have tried to correct it and provided XXXX all the information about this matter, no one has even look at it nor responded to me. 

See attachments. 


Thanks, XXXX XXXX XXXX