davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PNC Bank N.A. (PA)

We have a home equity loan from PNC Bank originated in XXXX. The loan was for {$150000.00} and a XXXX yr term. We had bought a house that needed a lot of work, but still had our previous mortgage. Our lender advised us to get an interest only loan and refinance after we sold our previous home. We sold our home, but at that point the housing market ranked, we were living in the house while remodeling and could not refinance without having a kitchen/siding and we were struggling to pay our mortgage. We modified our first mortgage ( XXXX XXXX XXXX ) around XXXX and have had 3 or 4 services since. We did not miss any payments with PNC ( Home Equity Loan ) and do not remember authorizing ANY documents to change our terms, but somewhere along the way they changed them and our payment. We have EVERY piece of documentation ever given to us by PNC. Including our original payment booklets and conversations questioning why things had changed... BUT IVER THE YEARS NOBODY AT PNC CAN GIVE US AN ANSWER OR ANY DOCUMENTATION AS TO WHY ( other than when you modify your first mortgage, your second mortgage automatically gets modified. We have requested copies of the original loan documents as well as the modification documents and neither the XXXX XXXX PA branch or lending department can obtain them. It has been 16 years, this loan should have been paid off, but we still owe {$89.00} ... Can you please help us straighten this out?
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

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 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 informationisinaccurate.
Consumer complaint received 2024-07-27
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (CO)

American express cancelled both of my cards after being a member for XXXX years. they say it's due to returned payments. this was a completely honest mistake on my part. I meant to use a different bank account, but forgot to switch it. now my cards I have used for YEARS have been suspended. a long time customer. AMEX needs to understand people make honest mistakes. I pay 80 % + of my balance every month too.
Consumer complaint received 2024-05-16
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (IL)

I applied for a XXXX XXXX loan XX/XX/XXXX for {$1800.00} to get my truck fixed at XXXX XXXX XXXX located in XXXX, IL. My credit card was charged {$39.00} for the initial start of the loan with {$140.00} to be deducted from my account every two weeks. There were 3 ACH payments taken out of my account, XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX totalling {$440.00}. My truck was still in the shop being repaired when it was stollen off the lot of the auto shop on XX/XX/XXXX. I contacted XXXX XXXX to see what the next steps were and was told that someone would contact me. On XX/XX/XXXX, I received a call from someone by the name of XXXX at XXXX XXXX. I explained the situation and she stated she would have to escalate the call to a higher level and someone would give me a call back. On XX/XX/XXXX, I received a call from someone at XXXX XXXX named XXXX, I explained the situation again and I was told that a dispute was put into the system and I should receive a call back by the end of the week. I never heard back from XXXX XXXX and my account was not debited anymore thereafter. Friday XX/XX/XXXX I receive an email from my employer stating my wages were being garnished by Midland Credit Management for the amount of {$3900.00}. I never was notified of a judgement nor was I served any documents. No payments were taken out of my account after I contacted XXXX and informed them my vehicle was stolen. I have the same bank account for over 7 years now. No delinquencies were reported on my credit report. I attempted to contact XXXX finance and all they were able to tell me was the account was charged off on XX/XX/XXXX and Midland Credit Management has the file. The lawyers for Midland Credit Management improperly handled the procedures by obtaining a judgment to have my wages garnished by receiving an Exparte judgement. I was never notified or served.
Consumer complaint received 2024-07-27
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (FL)

I am writing to dispute a collection change that has recently shown up on my credit report. I have no knowledge of this debt and it is not mine. 

Upon reviewing my credit report, I noticed that a collection account has been added by a company I have never heard of before. The debt amount is significant and I have no recollection of ever having any business dealings with this company. 



I request that this collection account be investigated and removed from my credit report immediately. I have no knowledge of this debt and it is not mine. I am willing to provide any information or documentation necessary to prove that this collection account should not be associated with me. 

I am confident that this dispute can be resolved swiftly and accurately. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX Collection company Caine & Weiner
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I recently looked at a copy of my credit report and noticed several inaccuracies on my account. this is hurting my ability to get credit. it is my understanding that you will investigate these items for me to make sure that everything is accurate. 

here is the item i am asking you to verify as accurate : XXXX XXXX Account number XXXX
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MS)

I'm looking to purchase a new home for the first time and I've never looked at my credit before. To look at it and see these fraudulent items was quite disappointing to say the least. According to law 15 U.S.C 1681 there should not be any damages to my report, it's a defamation to my character.
Consumer complaint received 2024-05-16
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: NAVY FEDERAL CREDIT UNION (VA)

Someone close to me on XXXX XX/XX/year> scammed my navy federal bank account through a one time transaction, money was transfered to my account through a different navy federal account, saying it was money he saved up and he needed help transferring it to cash, saying he would give me money for it he just needed my routing numbers and gmail, money got sent into my account and i helped him few hours later my navy federal is down and its saying i owe all this money, all that money i owed i never even touched i have screen shots and names i can pay half or make payments i dont want to get sued, also wanted to make a police report i talked to navy federal over the phone they werent much help
Consumer complaint received 2024-05-16
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC. (PA)

Mainland credit Ask intentionally reportedly reportedly falsely information on my credit report, attempting to collect a debt that they can not validate after I yeah, numerous times Ask for a validation letter receive noreceive. None and has reported Duplicate that debt on my credit report.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PA)

My recent consumer report is showing unauthorized and unverified inquiries from XXXX XXXX the inquiry date is XXXX XXXX, XXXX XXXX, XX/XX/year>, XXXX, XXXX, XXXX XXXX, and XXXX XXXX. These unauthorized inquiries are hindering me from utilizing my credit according to 15 U.S code 1602 ( p ) these unauthorized inquiries needs to be removed immediately.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc. (SC)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against AIDVANT regarding their inaccurate reporting of my student loan payment history. Despite being in deferment, AIDVANT has consistently reported my account as being 120 days late for numerous months, instead of appropriately reporting it as a charge-off as required by law. This erroneous reporting has had severe repercussions on my credit score and overall financial well-being.

The issue stems from AIDVANT 's failure to accurately reflect the status of my loan during the deferment period. As per the terms of my loan agreement, I am entitled to deferment, during which no payments are due, yet AIDVANT has repeatedly misrepresented the status of my account, causing undue stress and financial hardship.

I have diligently adhered to the terms of my loan agreement and have promptly provided all required documentation for deferment. However, AIDVANT 's negligent reporting practices have tarnished my credit report and made it exceedingly difficult for me to access further financial opportunities. 

Therefore, I urge the Consumer Financial Protection Bureau to launch a thorough investigation into AIDVANT 's inaccurate reporting practices and take appropriate enforcement actions to rectify the situation. Additionally, I request compensation for the damages incurred as a result of AIDVANT 's failure to comply with federal regulations. 

Thank you for your attention to this matter. I anticipate a swift resolution to this issue and look forward to your response.
Consumer complaint received 2024-05-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (NJ)

XXXX. {$50.00} XXXX {$3900.00} XXXX {$50.00} XXXX. {$200.00} XXXX {$100.00} I have provided statements to Advantage, aka Fasa, and filed disputes with my bank, XXXX XXXX. The money has not been located, and I am at a loss. I don't know what to do. It's been XXXX months, and I've called dozens of times
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CT)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete from all 3 credit reports
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My recent consumer report is showing unauthorized and unverified inquiries from XXXX XXXX the inquiry date is XXXX XXXX, XXXX XXXX, XX/XX/2023, XXXX, XXXX, XXXX XXXX, and XXXX XXXX. These unauthorized inquiries are hindering me from utilizing my credit according to 15 U.S code 1602 ( p ) these unauthorized inquiries needs to be removed immediately.
Consumer complaint received 2024-05-13
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)

As of XX/XX/XXXX XXXX XXXX XXXX has completed their investigation as a result of proper online disputes. However, after attempting to communicate these same findings to XXXX and XXXX, they have been negligent and in violation of the Fair and Accurate Credit Transactions Act of 2003 ( 15 USC chapter 41, subchapter. I 1601 et seq ).

The following are said accounts:XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, {$690.00} Reported Balance, 70 % Credit Utilization, XXXX Late Payments, XXXX XXXX Age of Account ; XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX , {$270.00} Reported Balance, 93 % Credit Utilization, XXXX Late Payments, XXXX XXXX Age of Account ; XXXX ) XXXX XXXX XXXX XXXX, {$230.00} Reported Balance, 79 % Credit Utilization, XXXX Late Payments, XXXX XXXX Age of Account. I have also disputed with Experian and XXXX the inaccuracy of my personal identification information being reported, after requesting for these to be removed.
Consumer complaint received 2024-05-13
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC (WA)

I was continued to be billed after closing my XXXX account # XXXX. After numerous messages to XXXX this error was cleared up and there was agreement I had a paid up account. Now some 6 months or so later I have received a notice to collect from Radius Global Solutions for the amount of {$81.00}. I will not pay this amount. In fact, after all the XXXX  your company had put me through I will give you two choices. Remove the collection immediately, or give me contact information for your legal department so I can proceed with legal action. 
XXXX XXXX
Consumer complaint received 2024-07-02
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. (FL)

This company is reporting XXXX late payments in this closed account. 
XXXX XXXX XXXX Account Number : XXXX Late Payments : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date.

According to the law 15 USC 1681b, you must receive written authorization from me to disclose information. I have never given written consent that you can disclose my information. I demand proof or that you verify the document or letter that I wrote allowing my information to be disclosed. information.
Consumer complaint received 2024-05-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VT)

The bank responded to my previous inquiry but didn't resolve the problem and made confusing statements. It's not clear if the bank knows that I'm asserting that these charges are the result of fraud and were made without my knowledge. The bank says that they did research and found more charges than I originally noticed. That brought the claim from {$2500.00} to {$6400.00}. In the bank 's response, they state that an error was made and a claim update was sent in XXXX after my claim was denied. That makes it sound like no one is paying attention so there may have been an error which resulted in my claim being denied. Furthermore, after reviewing the evidence submitted by the merchant there's nothing that proves I authorized the charges. They mention a phone call but who did they speak to? There is no signed receipt or contract, photograph, or audio recording. It looks like an authentic bill but it's for charges that I didn't authorize. None of this makes sense.
Consumer complaint received 2024-04-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (AL)

Hello, I was advised that XXXX XXXX XXXX  needed to be consolidated and I would need my XXXX tax return. However, my XXXX taxes have been filed, but i have not received any correspondence at this time. Therefore, if not received soon, I will miss the XX/XX/XXXX deadline. I read, I can submit this as a complaint until I receive it. Can you please suggest any other alternatives to this situation.
Consumer complaint received 2024-03-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (OH)

On XXXX XXXX I had a report that my loan increased over XXXX around the time that my loans were transferred from XXXX XXXX to Ed financial, I can not obtain prior history of transactions from XXXX XXXX as their website is no longer working, when loans resumed, Ed financial wasnt able to provide information of how much Iv paid towards principal and to interest. They also reported that I had capitalized on my loans, although I believe this to be an error, during Covid they should not have been charging interest and I continued paying on loans during this time anyways and I resumed payment on time. I have called XXXX time to Ed financial they have limited information and informed me today that it will take XXXX business days before I can receive payment history information. They also referred me to finaid and it just sent me back over to edfinacial. I feel that there must be an error on the amount transferred that I made target payment to principal and on specific loans, I have receipts of payments that were made to XXXX XXXX that Ed financial doesnt have record of. I have requested an appeal although I am getting nowhere and they are just sending me payment history which will take 40 business day which would be approximately 2 month, im concerned that this isnt readily accessible online and I can not see where money is being applied to loans specifically principals or interest.
Consumer complaint received 2024-05-17
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told Experian, XXXX, and XXXX to reinvestigate these INQUIRES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if non of these inquires were authorized, THIS AMOUNT OF INQUIRIES IS REDICULES and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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.

The FCRA
Consumer complaint received 2023-08-26
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. (CA)

Account XXXX with XXXX XXXX  was fraudulently opened, and is causing me and my reputation personal harm and discrimination ( Per 15 U.S. Code 1681c-2 ). This account needs to be removed from my report within 4 business days.
Consumer complaint received 2024-07-30
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC (TX)

I checked my credit report, and I noticed that there is an entry reported by sunrise credit services for and account # XXXX which claim that " I owe {$3900.00}, '' on XXXX the XXXX I send them a certified letter stating that I need proof and validation of this entry. On XXXX the XXXX the company received the certified letter, and they did not response with valid evidence that the entry is mine and correct. I did not receive a contract or valid proof bearing my signature showing that I have this debt and I have a legally obligation to pay them. instead, they send me a photocopy of a bill that has nothing to do with the Sunrise Credit Services. NO SIGNATURE NO CONTRACT. NOTHING. Again, on XXXX the XXXX I send another certified letter, which they received on XXXX the XXXX again asking again for valid proof of this debt, but until today they have chosen to ignore me and keep reporting this erroneous entry to other credit bureaus. this matter is causing me and my family financial hardship. The photo of the BILL they send. me as proof it is not valid. The FTC opinion letter from attorney XXXX XXXX stated that a printout of a bill or itemized document does not constitute verification.