davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MD)

I am enrolled in the SAVE program and an auto-pay plan that prevents my interest from being capitalized and reduces my interest rate. My student loan provider is MOHELA. MOHELA recently transitioned to a new website. During the transition my loans were put into administrative forbearance for about 1 month, maybe 2. During the administrative forbearance, my interest was capitalized and at a higher interest rate than it should be. Essentially, I was unable to pay my loan because of the administrative forbearance, and I was charged extra money because no payment was made and they did not abide by the SAVE program payment requirements or the auto-pay interest rate that I agreed to. When I logged into the new website, there is not information about my previous payments over the past year, no information about the PSLF payment plan that I am enrolled in, no information about the SAVE program, and no information about why my interest rate was increased and how to return to the lower interest rate. I have had no contact with MOHELA besides emails informing me of the administrative forbearance, so there has been no communication about why my loan terms changed and my interest was capitalized, or how they plan to remedy the situation.
Consumer complaint received 2024-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (GA)

On XX/XX/year> I was charged for a hotel room that I didnt stay in nor did I authorize my card to hold the room once I contacted the hotel third party the informed me that I will be getting a refund the 4td party gave me a partial refund. So I called my bank and told them what happened the still allowed the charge to go through. My Bank ( Nfcu ) gave me a temporary credit then withdrew the funds back. I was charged {$2800.00} dollars and only received {$1800.00}
Consumer complaint received 2024-07-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Went to bank to report incident and begin process to get my {$12000.00} back at the end of XXXX, 2024. Kept contacting company XXXX XXXX. Not until a few weeks ago that I heard that they were unsuccessfull in getting my money returned. The bank never should have paid that money in the first place.
Consumer complaint received 2024-07-10
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (NJ)

my name is XXXX XXXX i have XXXX cd with pnc bank, XXXX XXXX, XXXX XXXX XXXX NJ XXXX as follows XXXX XXXX XXXX XXXXXXXX -- XXXX XXXX -- XXXX XXXX -- XXXX i made this cd on XX/XX/XXXX for 4 months. i had been told when we make cd it will be renewed itself with same time frame of 4 month. after XXXX months pnc bank renewed the cds without informing me on XX/XX/XXXX for XXXX months instead of XXXX months. 
XXXX month cd interest is near XXXX percent & XXXX months cd interest is XXXX so thats why bank renew for 3 months even XXXX was for 4 months originally. 
this kind of change of time frame without informing me is not right and i am facing the huge loss with this, bank supposed to renew the cd for the same time frame with whatever interest at that time instead of lowest rate time frame
Consumer complaint received 2024-07-10
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Personal information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America card with address and phone number not pertaining to me or authorized by me. The account in question was - XXXX ( with a racked up sum of {$4900.00} ) This info was provided by Bank of America.
Consumer complaint received 2024-07-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (OH)

This is to inform you about PNC 'S procedures and how they operate. 



We had a PNC Bank in XXXX XXXX, OH. They closed it but said they were going to keep the ATM there. Several months later they closed the ATM. We now have to drive 12 - 15 miles 1 way to do our banking. 



We have a monsy market savings account with them. We called the XXXX XXXX branch to see if they would give us the same interest rates on our money market savings account as other banks are doing. They said they would and extended it for a few months. We then had to call to confirm they were going to give it to us. 



They send us a letter a few weeks back saving our interest rates would be 4 %. In small print it said that it could fluctuate. This month they cut the rate to 3 %. I tried tro email them a complaint but you cant send and email to them. I am sure that this is so they dont have to report all the complaints they would get. 



Say they have {>= $1,000,000} in all there money market accounts and they reduce because they fell like it, This would be a bonus to them of over {$200000.00} a month. 



They could care less about their customers and are only interested in making the most they can for the company. 

I tried to email PNC but their website wont let you email them. 

Please look into their banking procedures. 



Thank You for your time ' XXXX XXXX
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credence Resource Management, LLC (MI)

I reached out to the company and XXXX XXXX did as well to let them know this debt was not mine and they told them three months ago this was a mistake they ignored XXXX and me as well and continued to report this false information
Consumer complaint received 2023-04-06
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. (SC)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-27
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. (MA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-07-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (PA)

I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.
Consumer complaint received 2024-07-09
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. (DE)

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX. ) [ Bank Address ] [ Bank City ], [ Bank State ], [ Bank Zipcode ] DATELate Payment Deletion DemandUnder the guidelines of the Fair Credit Reporting Act ( 15 USC 1681 ), I demand the below late payment ( s ) be DELETED from my credit reporting agencies profiles : XXXX, I recently received a copy of my consumer report ( Experian, XXXX, XXXX ) on ( insert date the report was pulled ) and I noticed the following late payment ( s ) reporting on my consumer profile. List the late payments that are listed on your consumer profile along with the dates that they occurred.The reporting of these late payments is in violation of 15 USC 1659. Under this law, a creditor may not treat a payment as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the obligor at the address designated by the obligor for that purpose in accordance with regulations of the Bureau.The Bureau of Consumer Financial Protection ( BCFP ) formally the known as the Federal Reserve Board, has set the regulations that state that the payment due date must be at least 21 days after the statement is mailed or delivered to the consumer.On this account, the reporting of a late payment was inaccurate. On the below validation of the required notices and mailings, you will clearly see that the payment due date was not 30 days. The required disclosures of the account terms were mailed to me and the account was opened on ( insert date account was opened ) .Please refer to the following validation of required notices and mailings.Attach copies of the required notices and mailings with the date clearly visible. In order to be in compliance with this request, all required documentation should be included, with no omissions or deletions of any information or form content.The only way for you to validate a late payment is to ensure that 15 USC 1666b procedure that was used to authenticate accuracy ; What reasonable procedure that you have adopted designed to ensure that each periodic statement including information required by section 1637b was mailed or delivered to the consumer not later than 21 days before the payment due date. The account should have been reported as a late payment on ( insert date payment was actually late ) .I have highlighted the late payments that were incorrectly reported on my consumer report. I demand that you correct this error immediately or be subject to legal action under the Fair Credit Reporting Act. In addition, I demand a refund for all late fees that were associated with the above highlighted late payments that were incorrectly assessed.Sincerely,
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

15 U.S. 1681c-2 black of information resigning from I didnt need that ASAP as otherwise provided in this section and consumer reporting agency agency cell Block the reporting of information in the pile of a consumer that the consumer identifies as information that resulted from an alleged I delete that not later than four business days after today every receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ( 2 ) a copy of an identity theft report ( 3 ) that identification of such information by consumer and ( 4 ) a statement by the consumer that the information is not information related to any transaction by the consumer
Consumer complaint received 2024-07-09
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 in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
Experian : [ XXXX XXXX ] [ XXXX ] In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. 
Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from Equifax. Please delete the following accounts : XXXX XXXX XXXX CT XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX Balance : {$1300.00} XXXX  XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$660.00} XXXX  XXXX XXXX Balance : {$14000.00} XXXX  XXXX XXXX Balance : {$1700.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$9700.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$360.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$32000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2023-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A. (IL)

Citibank customer since XXXX, first time victim of a stolen check and check forgery. Check {$9400.00} was payable & mailed to XXXX XXXX Treasurer office in XXXX. It was stolen and altered in the payee & memo lines then cleared by Citibank. I detected the forgery check in the last week of XXXX online and reported immediately by phone. Then file a claim at the local Citibank office. Citibank denied my claim and appeal because I file the claim not within the time limit.. Check was cleared in XXXX XXXX. I couldn't report the crime when I did not suspect or detected the forgery check. I have paperless monthly statement, therefore I do not receive a paper copy by mail. And during the month of XXXX & XXXX, I have difficulties going online at Citibank website. It was not accessible many days. Then if I can login I only can view one task then it locked up. Citibank website was reconfiguring the website. I called for help technical support many times. To proof that I COULD NOT access my account information, during XXXX & XXXX, I had to call customer service to retrieve copy of checks for my tax accountant. And I have copy of the Citibank respond letters. Please help me to appeal to Citibank to credit my checking account {$9400.00}.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

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

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


I demand the late payment reported in 60 days to be removed. 


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

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


XXXXXXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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


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


Delete the late payments from my consumer reports XXXX
Consumer complaint received 2023-06-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION (GA)

at XXXX XXXX on XX/XX/XXXX i initiated a XXXX payment for {$820.00} to be sent to my business account, the payment was place on hold and needed to be verified. i placed a call to Truist bank to verify my identity. but was told i can not do that since the number i have on file and held personally for 12 years can not be used since its not in my name but my spouse. i requested to have the XXXX canceled since i needed to use the funds to make some bill payments by the same day to avoid {$270.00} late fee but agin was meet with the same difficulty by two supervisor one by the name of XXXX XXXX, the bank insisted that the can not send a code to my phone number on file nor can the use any of the personal information or security questions on file to verify my identity and that i would have to find a local branch to verify my identity, never attempting to Properly verify my identity. i would like this matter investigated and safety guidlines become reviewed.
Consumer complaint received 2024-07-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-07-09
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. (SC)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.