davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (GA)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2024-09-26
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. (NC)

In accordance with the Fair Credit Reporting act. The attached Document listed with the accounts that has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2016-09-21
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A. (NJ)

PNC bank is holding funds for over 3 weeks with regard to a dispute I entered when someone used my debit card through an online scam. When I speak to the customer service representatives they tell me the dispute investigation is almost complete and it should be any day. This vague reply by PNC is useless and I still have no idea when PNC will release my money. Furthermore, I have no way of contacting anyone at PNC except for the general XXXX number. When I ask to speak with someone who would be able to give me a better answer I get a number that no one answers and I you need a code to leave a message. PNC is stealing my money. How can a bank legally hold funds for over 3 weeks?
Consumer complaint received 2015-08-09
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. ()

While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX CO on or about XX/XX/XXXX on Experian. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.
Consumer complaint received 2016-11-11
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Statebridge Company (NY)

I 've been dealing with an impending foreclosure by a bank that has not at all been willing to work with me, fudging the numbers to make it look like I can not afford my home and exaggerating the modification amount so I wo n't qualify. I have equity in the property. They are saying that the loan to value ratio is too high and if it is more than 70 %, they will not modify. This is not the case at this point in time. They 've been going forward with the foreclosure while I 've continued to submit modification documents several times. We now have an auction date of XX/XX/XXXX. 
I am a single mom, XXXX, trying to modify or at least stay in this house for another year, or at least until next fall when my daughter enters college. My attorney has informed me that his firm is usually able to work something out with the various banks, but my bank just wo n't budge, even though I earn enough money in XXXX paycheck to pay the mortgage. 
At one point, the bank sent my check back to me stating that if I could n't bring the balance current then they did n't want my check. I never missed a payment, but was about {$300.00} short every month as the crash of XXXX negatively effected my income, leaving scarce work, but it was temporary. We had an agreement but the the mortgage was sold off and my options became slim at best. 
Most recently, I received a letter saying that my home was going to be sold at auction on XX/XX/XXXX, right before the holidays. My attorney has been able to defend me and buy me some time but I need more time or a chance at a fair modification. He tells me this particular group are very shrewd and take advantage of people in my situation for profit. Please help!
Consumer complaint received 2015-04-11
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (AL)

My mother and I were on a CD together at PNC Bank. She unexpectedly passed away in XXXX XX/XX/XXXX. I let the CD roll when it came due in XXXX XX/XX/XXXX since I was unprepared to deal with that after her recent passing. In XXXX of XX/XX/XXXX, as I was trying to close my mom 's estate, I went to the PNC Bank branch in XXXX XXXX, Alabama and provided all necessary documentation to remove her name from the CD. In the course of removing her name, I was then charged a fee of {$40.00} as a " early withdrawal penalty ''. I was told at the time that this was necessary and could not be waived even though I was leaving the funds on deposit with PNC Bank and remaining as a customer.
Consumer complaint received 2015-08-23
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: FIRST HAWAIIAN, INC. (HI)

I have had a pending issue with First Hawaiian Bank, regarding a scam that took place. In the previous complaint i filed it goes into more detail. I was given a fraudulent check in which i deposited {$2600.00} into the bank. The next day, even though the check had n't been cleared, i was allowed to withdraw half of the money. First Hawaiian Banks policies state that until the check has cleared, only {$200.00} would become available to me next day. Yet, I was able to withdraw more than stated amount. This is an excerpt from First Hawaiian Banks website on their policies for depositing checks. 

Q : What does it mean if I receive a hold on my account after I have made a deposit? 
A hold means that although we 've received your check for deposit, you wo n't be able to use the funds until the hold period has expired. Depending on the type of check that you deposit, funds may not be available until the third business day after the day of your deposit. However, the first {$200.00} of your check deposits will be available on the first business day after the date of your deposit. If the deposited item is returned unpaid before the hold expires, those funds will not be made available to you. If the deposited item is returned after the hold expired, we charge your account for the amount of the item. Holds are placed to help protect both you and us from losses that could occur when a deposited item is returned unpaid. Situations that typically cause a check to be held include : -There is reason to believe the funds may be uncollectible-The source of the check ( e.g., foreign checks ) -The account is a new account ( new account rules apply for the first 30 days the account is open ) -The account has repeated overdrafts in the last 6 months-You deposit checks totaling more than {$5000.00} on any one day-Fraud is suspected-The check was previously deposited, then returned unpaid-The check was not properly endorsedAs a XXXX year old, making her way through the tough economy that is XXXX, I never had much money in my bank account, and if First Hawaiian Bank checks their records they 'll find that previous to this transaction my account had been over drafted several times before. At the time I deposited that fraudulent check, i only had about {$3.00}. I will not pay for the negligence of First Hawaiian Bank, I should have been protected under these policies that are stated so clearly on their website for everyone to see. A hold should have been put on my account. Never had I deposited a check that big before into my account, that should have been a red flag in itself.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (UNITED STATES MINOR OUTLYING ISLANDS)

Subject : Complaint Regarding Equifax 's Violation of My Consumer Rights Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Equifax regarding their handling of my credit file, which I believe violates my rights under the Fair Credit Reporting Act ( FCRA ).

In applying for a HELCO I discovered that Equifax placed a block on my credit report without providing any prior notice or explanation. When I contacted them to request the removal of the block, I was subjected to a series of questions regarding information from over 10 to 15 years ago, which I could not accurately recall. As a result, Equifax refused to lift the block, despite my attempts to verify my identity and resolve the situation.

This situation has left me unable to access my credit report, which I believe violates my rights as a consumer. Specifically, I believe the following rights have been infringed : Right to Access My Credit Report : Equifax has blocked my ability to access my credit file without providing a valid reason or clear communication.

Right to Be Informed : I was not informed of the block or the reason behind it, which is required under the FCRA.

Unreasonable Identity Verification Procedures : The questions Equifax asked to verify my identity were unreasonable, relating to events from over a decade ago that I could not recall.

I kindly request your assistance in investigating this matter and enforcing my rights under the FCRA. I would appreciate any guidance or intervention that the CFPB can provide to resolve this issue. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2015-06-14
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (NC)

For over a year, I have subscribed to Experian for a monthly review of my credit status. However, when I tried to get the information for the current and the last cycle, both of which were billed to XXXX XXXX, Experian claims that the personal security I provided is not the same as what I submitted originally. I have never changed that information -- my mother 's maiden name, my date of birth, my SS number, the name of my favorite teacher. I asked XXXX XXXX to remove the current charge and not to accept any more payments using my XXXX number, and they quickly agreed to do that. I intend to meet this week with my attorney to see what happened to my information, and how I somehow am being ignored by Experian. 
Thank you very much for any information and assistance you can provide. 
And blessings on XXXX XXXX XXXX for being the moving force behind the CFPB! 
XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXXXXXX
Consumer complaint received 2015-08-24
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: Mortgage Research Center, LLC (AL)

We filed for a V XXXX A XXXX home loan and recived aletter from veterans united home loan of denial for the following reasons attachs XXXX and XXXX they said credit score had to be XXXX XXXX XXXX XXXX said my report was XXXX and my wifes was XXXX we bought XXXX vehicles from XXXX for the amount of XXXX dollars. these people say we have collections and derogatory public records and we do not have either. Also they are using a gov name that they should not.To my and a lot of Veterans these people are a fake none of them are for Veterans of America.
Consumer complaint received 2015-09-09
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NM)

I had charges processing on XXXX/XXXX/15 which would have put me in overdraft. At XXXX on XXXX/XXXX/15 my SS check was deposited ( processing ), none of the charges had been posted, they were still processing. Today XXXX the charges showed up as cleared on XXXX/XXXX/15 which also charged a XXXX overdraft fee. That transaction showed up as still processing at XXXX on XXXX/XXXX/15. Also at XXXX it showed my SS deposit as XXXX then all the charges. I believe that Bank of America is manipulating deposits again to get overdraft fees. I can not print my on line acct to prove that. I have received in the past refunds from BOA manipulating overdraft fees. I 'm tired of this!!!!
Consumer complaint received 2024-10-30
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC (CT)

I have called several times to make sure the payment was processed and was told on recorded lines that my payment was received and my account was up to date as of XX/XX/XXXX. My bill was due XX/XX/XXXX and they didnt process the payment until XX/XX/XXXX and now they expect me to pay all the fees because of their mistake not fair to me
Consumer complaint received 2015-05-05
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Tower Loan of Mississippi, Inc. (LA)

I spoke with the company on many occasions telling them I was filing bankruptcy. I know they still have the right to try and collect until I receive a case number. XXXX went to my house and handed my sister a letter that was not in an envelope that stated my account was seriously past due. When I called him to tell him that the letter should have been in an envelope because he was giving confidential information to someone that was not on the loan. He said oh well sorry if that hurt your feelings. I then began to explain why I had to file bankruptcy and he said that when he lent me the money in was not circumstantial to my financial problems. I explained to him that bankruptcy was my last resort and that I tried other avenues and he was like oh well.
Consumer complaint received 2017-02-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (AR)

I 'm dealing with Navient and it has been a hassle understanding the balance being reported on my credit report and interest being applied. I Recently saw a {$3000.00} spike on XXXX loan in a 30 day period. There are XXXX other accounts being reported and I need to know what schools they came from because the same activity is happening on those loans. Navient has not been of any help even though they call me daily about a payment that I do n't owe. I was forced into an IBRP because I did n't know my rights and did not want my credit effected anymore. After all, it 's the government. But if I 'm forced to pay something I would like to know the source, where the balance is coming from, and the interest rate applied to calculate the amount of accrued interest. If Navient is unlawfully misapplying payments and can not verify the above, the only resolution would be to delete these accounts.
Consumer complaint received 2016-05-13
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

On XX/XX/XXXX a " Small Balance Adjustment '' of {$.00} was taken from my account. Four out of the last 5 months this same " Small Balance Adjustment '' has taken place. This " Small Balance Adjustment '' has happened on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX. Submitted complaints every month after this " Small Balance Adjustment '' occurred with no resolution to this matter except, not to keep a balance in the account that was an overpayment on my part. On XX/XX/XXXX I received a phone call from XXXX ( XXXX Ext XXXX ) and was told they expect to have the problem resolved by XX/XX/XXXX. Also informed her I did not want a check mailed to me for {$71.00}, which was the overpayment in my account. At this time I requested a letter be mail to me to confirm our phone conversation. As of today, XXXX XXXX, XXXX I have not received any letter to confirm our phone conversation. I did receive check number XXXX, dated XXXX in the amount of {$.00} which was the overpayment in my account as of XX/XX/XXXX. On XX/XX/XXXX I contacted XXXX, a Customer Service Rep ( Employee XXXX ) in your XXXX, VA office. He suggested to place a stop payment on the above check, which he did on XX/XX/XXXX and the {$.00} ( amount of the check ) would be applied back to my account in 3-5- business days. As of today, XXXX XXXX, XXXX, the {$.00} has not been applied back to my account. I am requesting the {$.00} and the {$.00} in question be returned to my account which were removed at a " Small Balance Adjustment '' on XX/XX/XXXX and XX/XX/XXXX. Please also advise if the " Small Balance Adjustment '' problem was resolved on XXXX XXXX. If it has not please advise when the problem will be resolved. This issues was reported to Bank of America in XXXX, XXXX, which is 5 months ago, and still it is a on going issue. Per XXXX XXXX ( XXXX Ext XXXX ) I was informed the " Small Balance Adjustment would be resolved by XX/XX/XXXX. What happened? Please also inform me as to what steps Bank of American has taken to resolve this issue. Thanks for you help and please call me at XXXX and confirm our phone conversation with at letter stating what was discussed.
Consumer complaint received 2024-09-26
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)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I regret to inform you that I have identified inaccuracies in my credit report, despite the standards set by the Fair Credit Reporting Act and Metro 2 compliance guidelines. I expected a higher level of diligence in ensuring the accuracy of the data reported by your organization. I now request that you take immediate action to correct these errors and verify the legitimacy of any inquiries listed on my credit profile.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters. 

Added Wrong Personal Information : Name : XXXX XXXX Also Known As : XXXX XXXX ( NEW ADDED ) Previous Address ( es ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Previous Address ( es ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NEW ADDED )
Consumer complaint received 2016-10-31
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Law Offices of Mitchell D. Bluhm & Associates (FL)

*Complaint number XXXX of XXXX My credit report shows collections accounts that seem to have been unlawfully re-aged by the collection agencies and law firms that hold the debts. 

XX/XX/XXXX, I had an emergency hospital stay and did not have insurance, so I was billed for the stay. The bill was split up into at least XXXX different collections accounts for varying amounts between {$100.00} and {$2000.00}. XXXX of the XXXX show dates far later than XX/XX/XXXX. 

Those items are : - XX/XX/XXXX : XXXX - {$1900.00} - XXXX/XXXX/XXXX : XXXX - {$100.00} - XXXX/XXXX/XXXX : Law Offices of Mitchell - {$980.00} These debts were all incurred XX/XX/XXXX, but the date of last activity for each of them incorrectly indicates a much more recent date. I have had no contact with any of these creditors and have taken no action that would result in a new date of last activity. I feel that these accounts are being re-aged as an attempt to circumvent the statute of limitations set by federal regulation.
Consumer complaint received 2017-01-26
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (GA)

I am a cosigner on my daughter 's student loans. As outlined in the pending suites we have been victimized by Navient 's unfair, deceptive and predatory business practices. On numerous occasions Navient has not been helpful in trying to resolve issues and, as noted in the various government complaints, tried to steered us into more costly forbearance. There have also been instances where monies have been misapplied to loans. I have been trying to work out a plan of action to get current with Navient but have encountered resistance at each turn. I also feel i have been outright lied to concerning information on payment postings.