davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

During XX/XX/XXXX, I requested a modification of my mortgage loan. Bank of America sent me notification, XX/XX/XXXX that I was approved for a trial modification and instead of making regular monthly payments to pay the exact amount of my trial period plan payments of {$1600.00} for XXXX XXXX XXXX XXXX Additionally, the letter informed me that they would continue to report to credit reporting agencies the status of my loan as well as my entry into a Trial Period Plan, in accordance with the requirements of the Fair Credit Reporting Act andf the XXXX XXXX XXXX XXXX. In addition, my loan will be reported as paying under a partial or modified payment plan during the trial period. 

The letter further informed me that my existing loan terms will remain in effect and unchanged during the Trial Period Plan and I will continue to receive monthly statements that will show the payment amount based on my existing home loan agreement. However, please pay only the new Trial Period Plan payment amount instead of your regular payment amount until I hear from them about a permanent home loan modification. 

On, XXXX XXXX XXXX I received the approval letter for the modification. This letter informed me that I had successfully completed my trial modification and they are pleased to let me know that I've been approved for a permanent loan modification. The condition to receive a permanent loan modification was to make the trial payments on time, by the XXXX of that particular month in which I did. 

Bank Of America, instead of notifying the credit reporting agencies of my modification status and Trial Period Plan, they reported late payments from XXXX which is inaccurate and a direct violation and a willful failure to comply with the Fair Credit Reporting Act. They failed to notify the credit reporting agencies of my loan modification status and that I was on a Trial Period Plan. Additionally, they reported late payments when payments were sent XXXX, XXXX and XXXX. 

In XXXX, I requested a detailed payment history to include XXXX payments. Bank Of America failed to send XXXX XXXX XXXX, but sent XXXX  from XXXX
Consumer complaint received 2023-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

Capital One has essentially locked me out of my money. I keep my debit card locked to prevent fraud and they have a defect where if they renew your card while its locked, it remains locked until your new one arrives which is typically 7-10 business days. Capital One manager confirmed that this is a long standing known issue that higher ups have been ignoring. So I dont have access to my debit card. They said I could use XXXX to transfer between my XXXX and XXXX account. I attempt the XXXX and they block my account for suspicious activity because I havent used XXXX in over 30 days ( never. Ive never used XXXX ). XXXX claimed that XXXX is saying they blocked it because I recently changed my password, which I didnt. I try to do a transfer and they want to verify deposit amounts. Which takes 1-3 business days. There is most likely another known issue where it asks that youre verify accounts because an account already in the system has fresh micro deposits sent for verification today ( XXXX ). Wire transfers cost money and they wont refund until after its posted. I cant pull from XXXX XXXX or XXXX XXXXXXXX. XXXX says 3-5 days. Im starving cause I havent eaten today and want to go run errands and eat lunch. Been working since 7. I have my discover account but keep most of my money at XXXX. Im afraid to even spend anything cause I legit dont know when Ill get my money back. Ive already opened a different account ( which they wont let me transfer from because apparently XXXX is saying the personal info doesnt match ( it does ). Managers have been super condescending and hung up in my face. Managers say they are filing complaints and never ask questions about the issues. You have to request any type of follow up. The managers are incredibly nice nasty.
Consumer complaint received 2023-10-04
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. (GA)

Please verify these inquiries, as I do not recognize them and wish to remove them from my credit report : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I did not authorize nor consent to the following inquiries being furnished on my consumer report.700 credit XXXX XXXXXXXX XXXX XXXX XXXXXXXX, 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 XXXXXXXX
Consumer complaint received 2023-10-04
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: CARRINGTON MORTGAGE SERVICES, LLC (IL)

I was offered forebearance during corona. I did all they asked and it was to be put on back of loan with no penalties. It took 2 years to get lian back. I had to hire a lawyer. They did nothing!! They made impossible to get back on track! They reported me late several times during the forebearance. I had to come up with a latge amount as these crooks tried to foreclose while on forebearance. I was charged ridiculous fees and still am being given XXXX. Including autopay which I removed months ago, monthly payment that was supposed to go down yet went up and misinformation by their employees on several occassions!
Consumer complaint received 2023-10-03
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)

Equifax has inquiries on my report that I do not recognize. I have called them to fix the error. They told me I need to call the compaoand send in an ID Theft Report. I have called the companies and I have filled out an Identity Theft Report and sent it in. They tell me the ID Theft Report is not acceptable but will not tell me why. They say they do not access to that information. I need this information off my report as it is not mine! Also according to the Fair Credit Report inaccurate info must be verified or deleted. They have not verified this information nor have they deleted it!
Consumer complaint received 2023-10-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (CA)

I have federal student loans with Aidvantage. On XX/XX/2023, I submitted payment via my online account with Aidvantage to fulfill my monthly payment requirement. I received an email from Aidvantage on XX/XX/2023 confirming my payment was made. On XX/XX/2023, I received an email from Aidvantage stating my payment had been posted on my account. The funds were never withdrawn from my bank account. On XX/XX/2023, I logged into my Aidvantage account to inquire what was happening with my prior payment. My account shows there is a payment overdue despite both the email confirmations from Aidvantage that I made payment and my payment had posted to my account. In the " Payment History '' section of my account, it shows " Payment Reversal '' on XX/XX/2023. I never received any notice my payment had been reversed. I check multiple times that I entered my bank account information correctly and have confirmed the bank information I uploaded to my Aidvantage account is accurate. I attempted to contact Aidvantage on XX/XX/2023 and XX/XX/2023 to inquire what the issue was and why my payment did not post. I can not get through to anyone despite being on hold for hours.
Consumer complaint received 2024-04-05
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. (CA)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I sent this letters in XX/XX/2023, and despite my repeated attempts, this marks the 11th time I have reached out to them, yet they have taken no action. 

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I sent this letters in XX/XX/2023, and despite my repeated attempts, this marks the 11th time I have reached out to them, yet they have taken no action. 

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and
Consumer complaint received 2024-04-05
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. (CT)

I am writing to dispute the following inquiries. It does not belong to me. I never established this inquiries. I have no knowledge of obtaining any of the inquiries listed here. Please remove these inquiries and send me an updated copy of my report after the investigation.
Consumer complaint received 2022-12-08
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. (TX)

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. 

XXXX/DOFED Account Number XXXX XXXX Account Number XXXX XXXXXXXX XXXX  Account Number XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX Account Number XXXX XXXX Account Number XXXXXXXX XXXX  Account XXXX XXXX has violated my rights. 


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 information is inaccurate.
Consumer complaint received 2023-10-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (WI)

On XX/XX/23 l sent an online payment of {$2700.00} to pay off my loan. Later that day they reversed my payment. On XX/XX/23 l attempted to pay my off the balance again. They reversed the payment again and charged me interest of {$5.00}. I called and emailed and they never responded. I again tried to pay my loan of {$2700.00} again it was reversed and charged me {$9.00} in interest. I dont feel l should be charged interest when I paid before it was due. This loan was on payment pause. Today, XX/XX/23 l sent a cashiers check and sent it through certified mail. I dont know why they are not accepting payment and I cant get a hold of anyone. Please help resolve this issue. Thanks XXXX XXXX
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

I filed a dispute with Experian on XX/XX/2023 to reinvestigate inaccuracies in my credit file. Reinvestigation was completed in less than 48 hours on XX/XX/2023. Proper procedures were not followed therefore treating my file unfair and impartial. I also did not receive results of the completed reinvestigation. Items are still inaccurate and unverified. I also am requesting a description of procedures used to determine completeness of the reinvestigation. Experian is out of compliance with FCRA with proper procedures of reinvestigation.
Consumer complaint received 2022-12-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting XXXX XXXX XXXX Account XXXX, has violated my rights. 

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
Consumer complaint received 2023-10-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: PNC Bank N.A. (NJ)

PNC bank are the worst for starters. Incompetent reps that never know the answers to than leave me on hold forever to then return in the line clueless not knowing the answer. Listen to how ridiculous they are on {$2.00} times 2 equals {$4.00}. I disputed these two charges that Posted into my checking without my AUTHORIZATION & PNC DOES THIS REPEATELY to side with every vendor & treats us the customer as we are the scum if the earth & looks down on us as if we are liars. To then in every dispute claim 100 % of the XXXX times " that it was valid. '' I'm desperate to leave them one day, but for now... 

{$2.00} was stolen out of my checking by a third party app. 

Went back in & stole {$2.00} & PNC INSISTED IT WAS VALID. 

XXXX NO. I NEVER AUTHORIZED XXXX TO STEAL {$4.00}. PERIOD. 

PNC DOESN'T GET IT. CPFB ARE SHARP MINDED. THEY WILL UNDERSTAND.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I was a victim of identity theft I called the company and explained the items don't belong to meXXXX XXXX XXXX XXXX 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 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

Over the last 24 months I have been trying to be a responsible consumer and correct the inaccurate and inconsistence reported by the three Credit Reporting Bureaus. I have already requested verifications multiple times and for the most part the incorrect and or inconsistent reporting has been corrected, removed and lastly stated by the Bureaus that they did and investigation and that the remaining items where verified, yet there remain extreme amounts of inconsistent and inaccurate reporting.

I am enclosing a screenshot of my most recent credit report highlighting the inaccurate inconsistence still remaining after the Bureaus claim to have verified that the item has been 100 % accurate and investigated timely. The Fair Credit Reporting Act requires that the Bureaus complete their reinvestigation of my request within 30 days. It has now been more than 30 days. 
I will assume that I have not received any reply because the Bureaus have been unable to verify this information. 

I would like the item removed immediately. By law the Bureaus are required to removing any inconsistent and persistent error and inaccurate information after a 30 day investigation has been completed. So, I request that they remove this incorrect information at once and send me an updated copy of my credit history report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
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: Experian Information Solutions Inc. (GA)

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. 

Account name : XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, Account name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States that I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states That 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 information is inaccurate. And this inaccuracy is Stopping me from getting Approve for credit card nor by a car.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

In accordance with the FCRA Capital One has violated my rights.

Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-ended credit plan as late for any purpose.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (FL)

ConsumerNumber:XXXX CaseNumber:XXXX Lexisnexis is reporting incorrect personal information on my consumer disclosure they are reporting. 

I have carefully reviewed the information on my consumer disclosure, and I have identified discrepancies in the accuracy of this data. The discrepancies are as follows : 1. Name : - My only name is XXXX XXXX XXXX XXXX. There should be no variations or additional names associated with my record. 

2. Address : - My sole address is XXXX XXXX XXXX XXXX, XXXX, FL XXXX. Any other addresses listed are inaccurate and should be corrected. 

3. Phone Number : - My only phone number is XXXX. Any other phone numbers associated with my record are incorrect and should be rectified.