davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-06
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CREDIT ACCEPTANCE CORPORATION (VA)

On XX/XX/XXXX at XXXXXXXX XXXX, I contacted Credit Acceptance Corporation regarding a debt that was being garnished from my wages. They stated that the debt was from an auto loan from XXXX and that they received the debt in XXXX. When I asked when they notified me of this debt, they said XX/XX/XXXX. However, the notice was sent to an incorrect address, so I never received it. I never had an opportunity to dispute this debt. When I asked the representative for additional information and inquired about the statute of limitations regarding the debt, I was hung up on.
Consumer complaint received 2024-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION (GA)

I went to the Truist XXXX XXXX to find out what happened to the funds from the BB & T Branch Bank and Trust previous bank -Descendants of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The account was XXXX XXXX XXXX XXXX XXXXXX/XX/year> The bank has not provided information as to where or what happened to the XXXX XXXX in funds that were in the bank account and how do we recover the funds.
Consumer complaint received 2018-08-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (AZ)

I refinanced my loan back on XXXX ending with a conventional ARM loan, currently with an interest rate of 7.75 %. I was able to maintain my payment on time until I was forced to retire back on XX/XX/XXXX due to serious medical condition. I am now depending on my social security benefits and a small pension from XXXX. Due to the income reduction I was also forced to file for bankruptcy in the beginning of XXXX, finally discharged on XX/XX/XXXX. I contacted a Housing Counseling Agency since XX/XX/XXXX after getting a steep increase in my payment. My housing counselor has submitted the workout package along with my financial documentation for a couple of times and I have been following up closely since then. I am know 60 days behind and the lender keeps arguing the bankruptcy case must be " dominated '' to process my application. I have gone back and forth to the bankruptcy court and their staff had clearly stated the bankruptcy is done, shouldn't be an impediment any more. My counselor recommended to report my case to you agency, hoping to get an answer from my lender.
Consumer complaint received 2018-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (AR)

Hi, I received a brochure from PNC Bank saying if I refinance my current PNC Mortgage to a Harps mortgage loan and also open a checking account, I would receive {$400.00} incentive in my checking account. 

The condition ( s ) of the incentive is : ( 1 ) initiate a direct deposit within 60 days. 
( 2 ) Make 3 bill payments within 60 days. 

I talked with XXXX the loan officer at that time and confirmed it. He opened the Mortgage loan and a checking account. I fulfilled all the requirements from my end and still didn't receive the {$400.00}. 
I contacted XXXX who escalated it to XXXX who then escalated to the customer relations officer with no result. All they said is that I did do a direct deposit and 3 bill payments but made one of the bill payments which is initiated through my other bank and came out of my PNC Bank?? How does a non employee know if it is different when it is initiated from PNC or other Bank? All I know is, the payment came out of PNC bank. 
I also called XXXX and another employee of the bank before the 60 day period ended, to confirm that I met all the requirements, who did confirm that I met them and to wait for my {$400.00}. If the employees ' themselves don't know the technicalities of the account, how can you expect it from others? 
Also, I called before the 60 days, so had I been told that one of the bill pay will not be counted towards the incentive, I would have initiated another one since I have plenty of time then.

Bottom line, I am not happy with PNC. My other banks ' will go out of the way to help for being their customer but never have I seen a bank like this who said that it is up to me, if I decide to close my accounts with them.

I have been an excellent customer for them for over 14 years with 2 Mortgage loans, credit cards, checking accounts and money market accounts! Is this how they treat their loyal customers?

I feel like I am being scammed of my {$400.00} and now I am ready to close my Mortgage and my credit card and also my family members ' other 2 accounts. 

I know, that I should have brought this complaint long ago, but better late than never! 
I want others to know not to fall for this kind of incentives from PNC, they will beat you up with technicalities which you will never know. 
. 
I was busy then and didn't get around to write this sooner, but I still have my mortgage and credit card accounts with PNC, so I am bringing it now. 

Thanks, XXXX XXXX
Consumer complaint received 2018-08-24
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. (IL)

I sent in dispute letters to the credit reporting agencies ( XXXX, XXXX, and transunion ) and a validation letter to the collection company ( XXXX XXXX ) regarding two accounts ending in XXXX and XXXX and I keep receiving responses back from the credit reporting agencies and the collector stating the accounts are verified, but they keep failing to accurately verify the accounts in their entirety. I first started disputing the accounts with the credit reporting agencies in XX/XX/XXXX and they continue to report the negative marks on my reports. They send me responses of verified without any proper verification. I sent in a letter of validation to the collection company and they just sent an itemized list of alleged charges. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. After continuous rounds of letters stating the section 609 ( a ) ( 1 ) ( A ), section 611 ( a ) ( 1 ) ( a ), section 611 ( a ) ( 7 ), section 611 ( 5 ) ( A ), and sections 616 & 617 these companies have continued to fail to comply with federal laws. The laws are very clear and my rights have been violated many times over now. Im sending in this complaint to you the CFPB because they have not followed proper guidelines and have violated the fair credit reporting act, the fair debt collection practices act, and have defamed my character.
Consumer complaint received 2018-08-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (MI)

Someone purchased a mattress from XXXX under my name and had it delivered to an address that wasn't mine. Wells Fargo purchased that debt. I disputed that debt with Wells Fargo and provided proof that I did not authorize this purchase. I have a letter from Wells Fargo stating this. 

This unpaid debt is still on my credit report ( XXXX ) and is preventing me from refinancing my student loans. I called Wells Fargo fraud department and they told me that they would contact all credit agencies. Additionally, I have disputed the account through XXXX and the dispute failed ( w/o providing a reason ). Despite these actions, I still have this unauthorized account on my XXXX credit report
Consumer complaint received 2022-09-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (FL)

I owe {$800.00} and change per month ( all included ) on my loan with loan depot ( a national lender ) I paid {$450.00} twice a month ( {$900.00} a month ) to add an extra payment per year. They received the money but argued that they are not equipped to take bimonthly payments and would apply randomly any {$450.00} to principal. 
After a few months they decided i owed them a full month payment. I called try to negociate the agent told me {$170.00} would put my account back in good standing. I said i had already paid much more than that and had never been late. But to avoid unnecessary stress decided to pay over the phone with a debit card. The agent told me he account was in good standing. 
Nevertheless they kept on sensing me texts harassing me that i still owed them {$90.00} I told them they could use any of thr overpaid money as i was not going to pay a penny more. 
They sent me back the {$170.00} and are now telling me i owe a full month. I need help
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

It's been a long time that I have been trying to fix the errors on my report and yet my requests to correct and remove false and inaccurate information keeps getting denied and/or disregarded. As a consumer, I know I have rights and that very right is being violated with what these companies are reporting on my credit that are not the maximum possible accuracy. It's hurting my credit score and impacting my life negatively.
Consumer complaint received 2022-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late purpose.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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 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 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 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 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
Consumer complaint received 2020-05-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (VA)

When my loan was serviced by XXXX XXXX, I received bad information on student loan repayment. I was advised to put the loan into forbearance while working at the US Census Bureau as a statistician in Washington DC. My IBR would have been XXXX for that year but the lender recommended forbearance. Those 12 payments never happened at the census bureau and I lost a year of eligibility for PSLF. The year was XX/XX/XXXX to XX/XX/XXXX. The prior tax year I received no income as a graduate student.
Consumer complaint received 2022-09-02
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX did not purchase the promissory note from XXXX XXXX XXXX. All allege contracts are completely fraudulent & the attempt to enforce a fraudulent contract is unlawful due to the contract being created through illegal activity of identity theft & power of attorney fraud. Please expedite the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, & losses due to me being a victim of identity theft. The FDCPA is intended to secure my right to privacy & my privacy has been breached. I am sure the removal of my information from your company records, and/or with any corporate aliates like XXXX, XXXX or Equifax to ensure my privacy rights won't be violated again due to my lack of consent. Please BLOCK & REMOVE all information resulting from Identity Theft pursuant to FCRA 605B ( 15 US & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days.
Consumer complaint received 2024-09-25
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. (FL)

This morning, I was shocked to see incorrect accounts on my credit report, and I dont understand how they ended up there. I check my credit report regularly, but today, there were unexpected mistakes that just appeared. I refreshed my browser, hoping it was just a technical issue, but the errors didnt go away. The inaccurate accounts are still there, and Im really concerned. Im requesting that the documents Ive sent be carefully reviewed so that I can finally have peace of mind.
Consumer complaint received 2020-03-19
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: PMAB,LLC (NC)

For about a month now I have been in contact with XXXX regarding some accounts that were already asked to be removed from my credit report by myself and assumedly by PMAB. XXXX   and XXXX  have removed the accounts from their bureaus. XXXX  has not. XXXX  has removed the creditor 's name ( PMAB ) but is still reporting the remainder of the account information for the accounts in question ( there are some generic numbers in place of PMAB 's name ). They told me that PMAB had not requested that the information be removed and they would have to request that the information be removed from the report before XXXX  would remove it.
Consumer complaint received 2018-08-24
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Millco Management (IL)

The debt was to be payed by the father who the child lived with.. not the person who had no choice but to sign the paper so he could get treatment at the ER.. the child was on a vacation to Florida from iowa.. and this company XXXX XXXX for XXXX XXXX XXXX XXXX XXXX has taken my credit score down alot thats not right and I have never received a letter from them..
Consumer complaint received 2019-06-22
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. (TX)

I have never been late on this account. I never made a late payment to this company ever please change this, i have a good relationship with this company Delete the late payments on XXXX XXXX
Consumer complaint received 2018-08-24
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. (NC)

I recently tried to correct an issue with my personal credit report, by disputing accounts that were fraudulently obtained and reported on my personal credit report. According to the Fair Credit Reporting Act. Sec 605B these items accompanied with proof of Identity theft will be removed in 4 days. Although I submitted all the required documentation this was not the result I received.
Consumer complaint received 2019-06-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (MI)

At XXXX XXXX  on XX/XX/2019, the PLAINTIFF, aka XXXX XXXX, had {$1900.00} available for withdrawal in checking account number XXXX At the close of business on XX/XX/2019, the PLAINTIFF still had {$2500.00} available for withdrawal. On XX/XX/2019, PNC misrepresented the balance of PLAINTIFF 's available funds to charge an unwarranted fee of {$36.00}, therefore, causing the PLAINTIFF 's said checking account to be overdrawn.
Consumer complaint received 2018-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Neon Newco Corporation (MO)

My child received an offer, in his name, with my address but the wrong zip code to get a payment card. My child is not working and is not age XXXX to receive a credit report. I'm concerned about why & where this company received his name and why they are sending him these offers. I'm also concerned about identity theft of my child 's identity.
Consumer complaint received 2019-06-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC (CA)

The company has knowingly place false information on my credit report. That was due to a returned phone to XXXX. I spoke with a representative from Receivables Performance who told me the account was recalled by XXXX and he did not know why I had been contacted. they were told not to. 

All my claims are documented on an Audio Recording where I made the person, I talked with I was also recording the phone calls. I can and will produce the transcribed phone call with the original recording when necessary for legal action. 

Receivables Performance 's malicious actions have caused problems with my credit, I have been denied credit when I applied, the false information on my Credit Reported was stated as the cause. 

SEE ATTACHED TRANSCRIBED FILE - The Original Audio can be provided upon request
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

Transunion mixed my identity with someone with a similar name that lived in the same area and despite being informed of the mistake many times and receiving my correct information through mail multiple times, hasn't corrected the problem, which blocks me from simple things like getting a phone service with a company that runs credit checks. 

This has prevented me from getting approved in rental applications and most definitely impacts my ability to lead a regular life, apply for mortgage or even jobs in financial institutions that have as requirements clean background checks. 

I have already provided my information in the way the bureau requires multiple times over the course of the past 4 years and nothing changed. I'm tired of mailing packets with my documents around only to be frustrated after more time passes.
Consumer complaint received 2020-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

i have recently pull my credit report and i have identity thief on my report i did not try to obtain credit from any of the inquiry 's thats on my credit report i need all the inquiry 's on my credit to be remove ASAP
Consumer complaint received 2020-09-13
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings (TX)

I took a loan out with speedy loan for {$700.00} which totaled {$920.00} I made 3 payments of {$190.00} and a final payment of {$700.00} in XX/XX/2020. During COVID I was laid off so I could not pay on the loan. I called in and let them know.

At some point the account was sent to Ada Astra Collection-XXXXXXXX. In XXXX I was reported to all 3 credit bureau XX/XX/XXXX. I spoke directly to Speedy letting them know my account is paid in full and there's a {$410.00} balance, they told me those were fees. 

I contacted Ada Astra told them the remaining balance are fees, it was confirmed by Ada Astra representative my balance had been {$700.00}. I sent numerous emails requesting a courtesy due to COVID, there has not been a reply since my first email. I have emailed, called and there's no assistance they are asking {$410.00} in fees. 

XXXX  deleted the collection after my dispute, and proof of payment, as of today it was placed back on my credit file for the second time. I don't understand how a company can repeatedly place things on a consumers credit file after it was deleted. This company is taking advantage of consumers especially in this time of COVID when people are out of work and struggling. 

To continuously place inaccurate information on a consumer 's credit file after it has been deleted. This is an abuse of power, and damaging to many consumers. The loan was paid in full. I should not have to keep disputing for Ada Astra to stop placing this debt of {$410.00} in fees on all 3 credit bureaus. 

There has been no relief offered to me just the repeated hostile demand to make the {$410.00} fees payment. Due to COVID there was CARES ACT information that consumer accounts not to be charged with fees as the country close in a pandemic. This is unfair practices by Ada Astra and there  should be some help for consumers experiencing this duress by this company.