davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-30
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio Recovery Associates LLC placed a collection on my consumer credit file with all three credit bureaus. I was not aware of this item until it was reported and I saw it via an online report in early XX/XX/XXXX. On XX/XX/XXXX I sent a request for debt validation certified with a return receipt. The return receipt is dated XX/XX/XXXX with signature. They stated ; The following information is being provided in response to your recent communication concerning the account referenced above. Account number XXXX by the Seller to PRA, LLC on XX/XX/XXXX. at the time of the sale, the seller provided an electronic file of its business records containing information concerning the account, a summary of the account can be found below. Please contact us if you would like to receive a payment history to this account since our company purchased this account. 

pursuant to usc 15 1692g I am requesting the company known as Portfolio Recovery Associates LLC stop reporting this inaccurate information to my consumer credit file 's. they did not supply me with the requested information to prove I owe this money to them.
Consumer complaint received 2023-12-22
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. (MI)

I am disappointed that my information have been compromised by identity theft.I am trying to buy a home for me and my family and this has put a serious hold on the process. By the FCRA, 15 USC 1681 G my information should be safe and secure and i see its not. My information has also been in a breach. This is a defamation of my character and causing emotional street on me. Identify Theft is not far and the credit reporting agencies can be sued for having damages on my credit report.There are also some addresses, XXXX XXXX XXXX XXXX XXXX .
Consumer complaint received 2023-11-22
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: PNC Bank N.A. (FL)

As an original holder in due course I exercise my rights to initiate the consumer credit transaction with PNC BANK. I extended my credit to PNC BANK on XXXX. They ran my credit that I extended to them using my information with zero benefits to my self XXXX XXXX. This is fraud seeing how they benefited from my credit and I was denied a credit card. 
12 CFR part 1002 Equal credit opportunity Act says I can not be discriminated against.

I have been discriminated against and plan to uphold my rights till the extended line of credit is lawful and approved. Not only have I been discriminated against Im dealing with hardship so to this denial.

According to the federal law 15 USC 1602 and 1602 f the credit comes from myself XXXX XXXX. 
I demand that PNC BANK reconsider this action to comply with federal law so that my credit application be approve or I will have no other choice by to take this further action.

Failure to address this dispute properly may lead to further legal actions.
Consumer complaint received 2024-04-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc (SC)

In XX/XX/XXXX, I attempted to make a ATM withdrawal from a local bank. The ATM told me the transaction was cancelled without a explanation or my money. I waited for the ATM to go back to the home screen, when it did, I departed without any money. I filed a dispute with Chime the next day after the occurrence, because the representative from Chime on XX/XX/XXXX told me to wait until the transcation settled before filing a dispute. My I initial dispute was denied within XXXX hours. I called Chime and the owner of the ATM and the owner of the ATM told me the machine was balanced on XX/XX/XXXX and they noticed there was average of {$500.00} on my account and notified Chime, yet Chime still ajs not deposited my mo ey in my account as of XX/XX/year>.
Consumer complaint received 2023-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Central Portfolio Control Inc. (OH)

Central Portfolio says I owe a delinquent acct. Amount of XXXX that was posted on XX/XX/2023. It also said the age of Acct. Is 2 months old. I have no idea what that could be from. Also, XXXX XXXX XXXX says I have a delinquent acct. Balance of XXXX age of Acct. 3 years and 5 months. The Lender info is XXXX XXXX XXXX XXXX. I would like to dipute both of these because they should not be on my credit report.
Consumer complaint received 2023-11-22
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. (GA)

these companies have violated my consumer rights, lied and said that the things in question have been verified by XXXX. That was not true, as XXXX reported that they have not confirmed anything neither were they reporting said items. 
( see copies of laws violated ) These XXXX agencies have no right to violate my privacy, nor did I give them authorization to report anything about me. 
I want this information removed ASAP since it only takes XXXX to XXXX days to confirm false information. I also want a check sent to my mailing address for ALL VIOLATIONS PER COMPANY. {$1000.00} per violation each! 
I also want my scores restore back to the XXXX plus range per agency. 

Thank You XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-11-22
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

Ive disputed this bill since I got the first bill and asked them several times to rebill with XXXX XXXX XXXXXXXX XXXX and then XXXX XXXX XXXX XXXX. I have disputed it since I established my XXXX XXXX in XXXX. I no longer get mail from this company but Ive disputed on XXXX XXXX every 2 months since XXXX I last disputed this account in XX/XX/XXXX.
Consumer complaint received 2024-04-29
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: LEXISNEXIS (PA)

Lexis Nexis illegally and knowingly transferred and sold a bankruptcy report and placed it on my consumer report without written instruction from me. 
I have proof from the bankruptcy court that this account was not shared with Lexis Nexis but rather they obtained someones bankruptcy records and placed it on my credit report. They account is not accurate, This account must be deleted immediately.
Consumer complaint received 2023-07-07
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: Experian Information Solutions Inc. (LA)

My name is XXXX 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 2024-01-09
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc. (ID)

Nelnet is my federal student loan servicer. On XXXX XX/XX/XXXX, I returned to school full time graduate student status. The school sent proof of my full time status for deferment. Nelnet discriminates against me and refuses to place my loans on deferment until I finish school. 

I spent many hours on the phone with Nelnet and uploaded completed and signed deferment form from my school. After 5 months of asking and begging for them to help, my loans continue to be in repayment and not deferment. 

I applied for deferment and uploaded proof of student full time status with XXXX XXXX XXXX XXXX XXXX on the Nelnet website in my account. This is what Nelnet requested to process my application. Here are the dates when I submitted completed deferment applications and uploaded the required information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Albert Corporation (GA)

Albert app out of XXXX XXXX, CA. Signed me up automatically with a savings account I do not appear to have access to and they withdraw nearly daily small increments from my personal checking account. I can not turn this " smart save '' feature off in the app. And reached out to the company via email to request it stop. Several times they have told me it was turned off but the charges continue.
Consumer complaint received 2023-12-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Conduent Incorporated (CA)

XXXX charged the incorrect account for charges for XXXX XXXX he is not on my account nor authorized, XXXX has contested charges thru this merchant as they falsely misrepresented themselves and he disputed with this company that they took out these charges from the incorrect account as XXXX was never on my account. This company has been disputed by XXXX because they charged him for an XXXX package thru XXXX and then he was charged for a car and hotel fee at destination he already paid for these charges. Go program is aware that XXXX was not on my account when these charges were pulled from my account.
Consumer complaint received 2023-12-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: HUNTINGTON NATIONAL BANK, THE (OH)

On XX/XX/2023 I filed a dispute against XXXX and XXXX for hacking into my account. I called Huntington Bank to get a Temporary Hold placed on my account. Until they've figured out what was going on. They placed a temporary hold on my checking account and did an investigation. The investigation stated it was an Error and that the merchant had until XX/XX/2023 to respond to the request against them. The merchant never responded back to request after 45 days. Huntington Bank still haven't replied to release my funds or hold on my account. So at this point they're still holding on to my funds. They have refused to give me any legitimate answer as to why my account is still on hold. I successfully won my claim but Huntington Bank has refused to honor my Successful claim and at this point I will like legal actions filed against Huntington Bank and looked further into this situation. Thank you.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (NC)

I have recently reviewed my credit report and notices inaccuracies and/or incomplete information. According to The Fair Credit Reporting Act section 611 ( 5 ) ( A ), they must DELETE any inaccurate or complete information that can not be verified.
Consumer complaint received 2023-05-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc. (WI)

Discovered debt from ProCollect when it appeared on my credit report. I called them immediately as that was first time I was notified of this. I did not receive any communication to dispute. 
I have been working diligently with all 3 credit agencies to get this removed since. 
I have also sent them documentation that this debt is clear and provided the letter from the creditor of the {$0.00} balance. It has still not been removed. 
All I have heard is that since I did not dispute in their initial letter, it is assumed to be valid. The issue is, I never received said letter, nor any letter since as I have requested they send a copy of what is claimed to have been sent to me initially. 
I would expect this to be removed from all 3 credit reporting agencies immediately as it is invalid and I was never given the opportunity to provide this to ProCollect. 
Thank you, XXXX XXXX XXXX
Consumer complaint received 2023-05-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANNER CORPORATION (OR)

Banner Bank changed the Connected Checking Account, no minimum balance fee that I opened on XXXX without my knowledge and charged me {$4.00} on XXXX, XXXX, XXXX, XXXX, XXXX and XXXX for a total of {$24.00} Banner Bank changed my phone number and email address sometime after XXXX so that I was unable to access my account online to view statements or notices.I was finally able to go into the Banner Bank at XXXX to get my online access restored so that I could access my statements on XXXXThe account was opened expressly because Banner Bank advertised free checking with no minimum balance fees but started charging minimum balance fee of {$4.00} starting XX/XX/XXXX. There was no notice informing me of this change on any of the statements that I was able to access on XXXX.I would like the {$24.00} for the minimum balance fees refunded and for Banner Bank to honor the original agreement for no minimum balance fees.I am including the statements from the opening of the account XXXX through the XXXX statement showing no minimum balance fee before XXXXI am also including the flyer from Banner Bank as of XXXX showing that there is no minimum ongoing balance required and no *************** Charge. 

There is no evidence that the supposed letter was sent in my online account once I gained access after a Banner Bank representative blocked my online access by changing my email address by 1 letter and changing my number by 1 number, which made the authentication codes needed to logon go to someone else.

My attempts to resolve this prior to this between XXXX to XXXX were unsuccessful. I have complied with the requirement that I was aware of to not allow the account to be inactive for 12 months as seen by my record of deposits. 
I do not have any certified mail to verify that a notice was mailed by Banner Bank. 
I maintain that I did not receive any notice verbally when making the deposits in person or via US Postal Mail. 

As of XXXX the {$24.00} in fees have not been returned to my account. 


Sincerely, This is the response received from Banner Bank via XXXX on XXXX ; Business response XX/XX/XXXX Thank you for bringing this complaint to Banner Bank 's attention. The Bank takes all complaints seriously. On XX/XX/XXXX, Banner Bank made changes to personal checking and savings accounts, the required 45-day account change notification along with new terms and conditions were mailed to all Banner Bank clients prior to the changes going into effect. The complaint has been forwarded to management for further review, no additional comments will be made due to privacy laws and regulations.
Consumer complaint received 2023-12-22
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. (WA)

Beginning on XX/XX/XXXX, Equifax began reporting the " Date Major Delinquency 1st Reported '' as XX/XX/XXXX. This is for a charged off credit card with a Date of First Delinquency of XX/XX/XXXX. This has caused my Equifax XXXX XXXX score to decline XXXX points. MyXXXX is states this is due to a " 30 Day Late Payment '' in the last 30 days. This is incorrect. This account was paid off in XXXX. I have disputed this information twice. The original creditor, XXXX, verified the information as accurate. That is correct, what XXXX is reporting is accurate. It is Equifax that is reporting incorrectly, negatively impacting my score. In addition to the disputes, on XX/XX/XXXX I called Equifax and asked to speak to a supervisor about this issue. The customer service representative told me their supervisor was busy, but they would submit an internal complaint for me. Unfortunately, they did not send any verification for this and nothing has changed on my credit report.
Consumer complaint received 2024-01-30
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: 21ST MORTGAGE CORP. (LA)

Upon checking my XXXX credit report, I noticed hard inquiries from the following companies that I did not initiate or authorize. Please remove the following inquiry from my credit report immediately as this is fraudulent activity. Thank you in advance. 

XXXX XXXX XXXX on XX/XX/22 21st Mortgage on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-18
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 — Investigation took more than 30 days
Company: Navient Solutions, LLC. (FL)

I have already told this company numerous times that I withdrew from the college classes within the 30 day period, the school refunded the loan to the lender, but they are threatening to garnish my wages. I did not complete the classes, I withdrew from them within 30 days, I do not owe any student loan debt.
Consumer complaint received 2024-04-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (KY)

XXXX has repeatedly failed to apply my insurance documentation to my account. They also misappropriated my escrow funds for an additional insurance payment. It took months to track that money down. 

They are now claiming that I have failed to submit proof of hazard insurance for my property. Despite me submitting this via their online portal back in XXXX. I have emailed it to the new email address in their phone prompt. 

No matter what I do, I can not get in touch with a human being to rectify this. Its all automated systems that do not speak to each other.
Consumer complaint received 2023-11-22
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Albert Corporation (KY)

XX/XX/XXXX  {$14.00} XX/XX/XXXX  {$7.00} XX/XX/XXXX  {$44.00} XX/XX/XXXX  {$44.00} again XX/XX/XXXX  {$130.00} XX/XX/XXXX  {$30.00} XX/XX/XXXX  {$14.00} I signed up for Albert originally for a payday loan type service. Once paid back, the same week they started taking money from my account. It was small amounts at first, like $ XXXX- {$7.00}. I reached out to support to stop taking funds from my checking account. They explained that I turned on the feature, told me how to turn it off and I did. They did not inform me that the feature turns itself back on until a few months later. I have tried numerous times to cancel the service, I have canceled and got new debit cards. It will not let me delete my bank information. They will not let me close the account. I spent an hour on the chat, because they do not offer a phone number, and they charged me again {$14.00} the very next day. Its XXXX, I had to make an appointment for my real bank to close my account because Albert will not stop taking from the account. I told them to keep the money they keep taking and just close the account and not take anymore but they say they cant. They cant close the account until the charges stop pending, but as you can tell they keep taking the funds and the charges will never stop pending.
Consumer complaint received 2024-04-29
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (GA)

On XX/XX/XXXX, I discovered that National Credit Systems is reporting an incorrect debt of {$6500.00} on my credit report. This debt was opened in NATIONAL CREDIT SYST and has been listed as open with an outstanding balance. The original creditor is listed as XXXX XXXX XXXX XXXX However, this debt was actually paid in full on XX/XX/XXXX. 

The inaccurate information being reported by National Credit Systems is in violation of the law, as the debt has been settled and should no longer be listed as open on my credit report. Despite numerous attempts to dispute this information, it has not been corrected. 

I request that National Credit Systems immediately removes this inaccurate debt from my credit report and takes the necessary steps to rectify the situation.
Consumer complaint received 2023-09-13
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. (SC)

After carefully analyzing my credit report, I noticed several inaccuracies as it relates to negative accounts, employment history, and addresses where I have never lived. I am requesting that the following inaccurate information be removed from my credit report as this is affecting my score and ability to obtain new credit with different creditors. In accordance with the Fair Credit Reporting Act, everything must be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and U.S. Code 168i ( 5 ) these accounts are in violation of not reporting 100 % accurate. The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies shown in my report? As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C 1681i ( 7 ) Method of verification-Description of reinvestigation procedure. I have included documentation to verify my correct information. I thank you in advance for your prompt cooperation. Thank you.
Consumer complaint received 2023-09-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

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