davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-29
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. (FL)

Total amount owed is incomplete they added {$100000.00} from the XXXX XXXX loan forgiveness to another college I attended and graduated in XXXX ( XXXX XXXX ). I have called XXXX Aidvantage several times but was told to contact Dept. of Education they have to settle it and we are just a company that oversee your loans. Called Dept. of Education and they reported to me three times the amount for {$100000.00} was paid and it's Aidvantage 's job to update the account. Last call to Aidvantage and was told to call XXXX XXXX get a copy of my business account and upload it to the Aid Aidvantage account. I have done this and still waiting for Aidvantage reply.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-05-09
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: EQUIFAX, INC. (AZ)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2023-12-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am writing to dispute the accounts on my credit report that are a result of identity theft. I have recently discovered that my personal information was compromised, and as a result, these accounts were opened fraudulently without my consent. The accounts in question are : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3600.00}, XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$610.00}XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4000.00}, and XXXX - XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I want to inform you that I have already reported this incident to the bank, and they have agreed to remove the accounts from my credit report. I request that you remove these accounts immediately from my credit report as well. I am deeply concerned about this situation and fear that this may happen again in the future. I request that you take all necessary steps to prevent this from happening again and inform me of the steps taken. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ).
Consumer complaint received 2023-12-29
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. (NY)

I have reached out to the credit reporting agency after attaining my credit report and seeing inquiries that I did not authorize. I did send a letter to the reporting agencies to no avail. They have been non respondent in my attempts to correct this information.
Consumer complaint received 2024-06-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (AZ)

PLEASE SEE ATTATCHED LETTER AND DOCUMENTS i have 4 loans with this company and from day one they have over charged me on property taxes and ins on each loan. I have worked with a supervisor from that last complaint I did with you and they corrected it for one month then messed it all up again, i have provided the detailed correct information to them hundreds of times they fail to correct my loan and call me every single day and harass me and make me pay another payment over the phone and claim they will fix it if I just make this extra payment, the the next month comes and they have added all these fees on and say i didn't make a payment, when I DID make a payment in the correct amount and i spell that out to them but they ignore it and claim I'm not paying them. then they send me nasty letters saying I'm in default and the can foreclose on me. I call and get a different person each time and it takes hours each month to try to explain over and over and over and over again and it still does not get corrected. I m being harassed by them and this is fraud, charging me on taxes and ins double and triple, claiming I have to have an escrow account and i have to keep paying more and more each month.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Checkr, Inc (GA)

My background check from them my XXXX were XXXX back in XXXX  are still showing. I was told after I paid and XXXX years pass it would be off my record. I can not get XXXX driving because of this
Consumer complaint received 2024-05-04
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: EQUIFAX, INC. (FL)

I recently submitted a request for an investigation of the disputed items, which you claimed was verified. Since I believed you didnt properly investigate my dispute I contact the data furnisher on the previous month. They were responding proving to me that I was correct. Your records show that it was incorrect. Since your investigation was done improperly, I need you to correct or get rid of the following items from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX  XXXX Balance : {$2000.00} XXXX XXXX XXXX : {$2100.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-12-29
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. (NY)

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 Balance : {$4800.00} XXXX XXXX Balance : {$8000.00} XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXXXXXX Balance : {$4900.00} XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX Balance : {$7300.00} XXXX XXXXXXXX Balance : {$4800.00} XXXX XXXX Balance : {$0.00} CITI XXXX Balance : {$3000.00} XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX AT XXXX ) XXXX Balance : {$6000.00}
Consumer complaint received 2023-11-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (OH)

Getting XXXX XXXX by " LVN V XXXX XXXX bank {$3400.00} '' I never own an XXXX bank account I have no access to this account somebody open a fake account
Consumer complaint received 2023-12-29
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CO)

Yesterday I received a letter from COLUMBIA DEBT RECOVERY XXXX DBA GENESIS stating that I owe them {$350.00} based on an agreement that I had with an apartment complex called XXXX XXXX in XXXX VA. I did visit XXXX XXXX this past summer when I was looking for an apartment for my daughter. I looked at a number of apartments on my own that day. In order to see the apartment at XXXX XXXX, I believe I provided some basic information and perhaps showed my drivers license as I did at every apartment I visited. I did not like the apartment at XXXX XXXX nor would I have ever applied for any apartment without my daughter seeing it. She decided to move to a house in XXXX XXXX with roommates and that is where she lives now. I live in Colorado. At no time did I make an application for an apartment at XXXX XXXX. Somehow this brief look at this apartment went from that to I owe {$350.00} for an application. No one can produce said application or any correspondence between me and XXXX XXXX other than the fact that I did visit the complex. I asked the collection agency for proof of this application and they said they would send what they have which is a ledger entry. I stated that a ledger entry proves nothing and that I want to see the application. They stated that they do not have the application. I stated that I do not wish to be harassed over a non-existent debt for a non-existent application. Now they are trying to say that I have to allege fraud that I have to give them my drivers license, proof of where I live, proof of a complaint to the FTC etc. I feel that they should have to provide proof of the debt before I have to proof I owe nothing.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

Despite my previous attempts to rectify this matter, the fraudulent entries persist, and I am growing increasingly frustrated by the lack of progress. It is disheartening to see that these fraudulent items continue to tarnish my credit report, despite my persistent efforts to have them removed. As a result, my financial credibility is being unfairly impacted, and I am experiencing significant stress and anxiety. 

I am reaching out once again to request urgent action to address this matter. I kindly request a thorough investigation into the fraudulent items on my credit report and immediate action to have them removed. Additionally, I seek transparency regarding the specific steps taken during the investigation process and a detailed explanation for the repeated failure to address this issue. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$510.00} ; XXXX XXXX Balance : {$22000.00} ; XXXX XXXX  XXXX Balance : {$17000.00} ; XXXX XXXX Balance XXXX {$710.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$1500.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$700.00} ; XXXX XXXX XXXX  XXXX Balance : {$2000.00} ; XXXX XXXX XXXX XXXX Balance : {$690.00} ; XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXXXXXX XXXX Owed : {$120.00} ; XXXX XXXX Balance Owed : {$520.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-12-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PNC Bank N.A. (PA)

On XX/XX/XXXX I made a full payment on my PNC XXXX  thru the virtual teller in XXXX XXXX, PA in the amount of {$3400.00}. The Virtual teller was having an issue, at first with the image, but it did appear on the screen as well as the correct amount and she processed the payment. Today, I was looking at my mobile banking and noticed I had a balance which I knew I shouldn't. I saw, posted the same day that the payment was showing as an " adjustment '', so I called PNC 's CC customer service and spoke to XXXX. He could not understand what I was trying to say. I explained what I did and that I shouldn't have a balance. He tried to tell me, at first, that the second payment I made several days later included that balance, which it did not. I kept telling him that the funds from the check never came out of my checking account at XXXX XXXX. he kept insisting that they were returned, which, after I stated I was a XXXX  in banking for XXXX  Years and knew how to read a statement, they were not. I asked for this to be escalated. 
I was transferred to XXXX, a supervisor, who spoke with a tone of passive aggressiveness and condescension, I was a bit taken aback and, during the conversation had to begin raising my voice. He said he was able to see that the payment was now rejected for an " unviewable image ''. I questioned how this was possible since the image went through on XX/XX/XXXX and would have gone through their cash letter that night. He said that the SECOND processing area, just yesterday, rejected the item and the funds were " allegedly '' going back to XXXX XXXX. I asked what would happen if I didn't receive them, especially considering the check never attempted to clear my checking account ... ..never received a notice from XXXX XXXX or even from PNC stating there was an issue... XXXX was told to call back and they would have to investigate further. 

This is not the first issue I have had with PNC concerning my banking relationship. I have well over $ XXXX between my investments and bank account with them and I never get any resolution to my problem or concerns. 

As of now, they clearly have my check but no one will assist me in getting my payment processed. no funds have been taken from my checking, yet they are telling me they are being returned which makes no sense to me. Please help rectify this.
Consumer complaint received 2023-12-28
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. (FL)

I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attention to this issue. Attached you will also find my ID, Proof of Address with my most recent bill and SSN Card.
Consumer complaint received 2023-12-28
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. (MD)

I, XXXX XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at :
Consumer complaint received 2019-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Capio Partners, LLC (GU)

I had a drunk driver hit me XX/XX/XXXX I paid a medical bill XX/XX/XXXX and somehow capio collections twice that I can see..in XXXX wrongfully stated I was in collections for it I want the false info removed this has been awful on me and they made my credit worse for no reason see attached
Consumer complaint received 2024-07-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ECMC GROUP, INC. (NC)

Attached is my letter in regards to allegations of a debt owed. I am raising concerns of security fraudulence and I am concerned that I have been misinformed and seek clarity in regards to information that was not provided to me. 
After speaking with the Federal Reserve Bank and reviewing documents provided, I would appreciate that my concerns attached in this complaint are addressed clearly and conspicuously.

However, ECMC continues to avoid my attempts at resolution and responds to my CFPB complaints as duplicates. Appearing to not look at the case. In this case suspected fraudulence and false and misleading information. This is the last effort for the company to resolve this matter before I am forced to seek legal action due to threats, coercions, security fraud, false and misleading information.
Consumer complaint received 2024-04-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Bank of America said that received my claim and reviewed it, but clearly did not take the time to look at the evidence I provided them, as I was a victim of identity fraud, they did not reimburse me with the money that got stolen from me back, and Ive been in a bit of a financial burden recently because of it. I need this money back as I have bills to pay, college, and ultimately to help my family out as well. 
Date of claim : XX/XX/XXXX Amount {$18000.00}
Consumer complaint received 2024-05-10
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: EQUIFAX, INC. (WI)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$250000.00} XXXX XXXX  XXXX Balance : {$0.00}