davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am promised accuracy in my credit `report based on federal law I am making this complaint as another attempt to have these errors corrected on my consumer report under 15 USC 1681, 15 USC 1681d, 15 USC1666b, 15 USC 1601,15 USC 1602p all unverified and negative information must be promptly removed as you can see in your system that they can not verify this information and validate it so I request that you remove it now. Under 15 USC 1602p, all unverified hard inquiries shall be removed. The bureau verified they received all necessary information to be removed negatives on the account but willfully are non-compliant. Pursuant to 15 USC 1681n Civil Liability for Willful Non-compliance the bureau has to pay me {$1000.00} per negative disputed mark on credit they willingly refuse to remove. I have been verified by Equifax and XXXX as being a victim of their data breaches and incorrect reporting that they fail and continue to willfully not comply with federal laws. This is a great interference of commerce that is preventing me from loans and pursuing a home starting my businesses
Consumer complaint received 2023-02-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (OH)

I have had numerous unauthorized transactions come out of my checking account with PNC BANK. I disputed these fraudulent transaction with PNC BANK. Within 10 business days I received a letter ( attached below ) stating that during the review of my account PNC BANK determined there was no error in these unauthorized transaction. I called the number provide to me on the letter and told PNC BANK I want to appeal their decision. I was told there was no way to file an appeal and the customer service reps had no contact information to give me to contact the dispute department at PNC BANK.
Consumer complaint received 2018-10-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Thaxton Investment Corporation (AL)

On Friday, XX/XX/2018, XXXX XXXX of XXXX AL violated my privacy by coming to my home and leaving a collection letter with my husband because I was not home. My husband is not on the loan. I actually never applied for a loan with the company. They also call and leave messages multiple times a day everyday Monday through Friday. They sent a live check to my home due to some kind of pre-screening and I dont even know how they got my personal information. Due to my job closing down money was tight so I deposited the check. I have been unable to pay it back for the same reason.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

15 U.S. Code {$1600.00} c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt. I have attached my FTC Report to this compliant to prevent further stall tactics form.
Consumer complaint received 2024-02-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (IL)

Im in forbearance and never asked to be. I have autopay set up and these months arent counting towards my PSLF. I requested that they correct my account so Im not in forbearance. There is no way for me to make payments. The response I got was a letter saying my loans were, and still are, accruing interest. I cant get them to actually answer my messages or a phone call. I should be done with PSLF but now I have to wait. This forces me to continue teaching even if I didn't want to in order to be eligible for PSLF. Their credit reporting is also inaccurate, negatively impacting my credit.
Consumer complaint received 2022-06-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (FL)

FHA Mortgage is behind from XX/XX/XXXX to XX/XX/XXXX. 
When covid forbearance ended I called and wrote US bank mortgage to inquire about repayment options and to begin regular monthly payments. 
I recieved a letter stating I do.not qualify for any type of assistance. I responded by attaching the Treasury guidelines about COVID-19 stand alone partial claim showing loan is eligible. 

Beginning of XX/XX/XXXX I recieved paperwork showing total amount of Partial claim without any type of breakdown on amounts.These documents had a deadline of 14 days to accept, sign. and return. 
This partial claim offer included revisions modifying original note agreement 's by misrepresenting FHA backed mortgages. Additionally US Bank tried to fraudulently obtain Title owned by Treasury in order to prioritize lenders interest in property over Homeowners rights. 

Middle of XX/XX/XXXX I called to let them know I wasnt comfortable signing ths terms of parital claim and again would like complete financial hardship application as requested and never recieved. 

on XXXX received notice of default in mail and demanded entire lump sum payment. The very next day other owner XXXX called to conplain about not getting this hardship application to find out about all our loss mitigation options and should not be demanded the lump sum. Was again told it would be sent out that day. 

XX/XX/XXXX was the date on fiancial hardship app and got in mail 1 week later. 
XX/XX/XXXX US BANK filed to forclosure on our FHA loan. Did not offer any type of face to face interview and delayed financial assistance resulting in larger amount of default to homeowner. 


in XXXX a fha hamp modification was dons and i finally realized it was a predatory lender practices. After hurricane irma forbearance, only option given was hamp modification i was told. this was when i had no idea of loss mitigation programs or info about it. 
over XXXX was added on to total amount of loan. Some amounts added are over max limit allowed, and some include fees that aren't permitted period. 
My fixed rate mortgage interest was fraudulently increased, monthly payment increased as well making it more likely to default.
Consumer complaint received 2022-12-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

I was a victim of identity theft. I just received a letter from Columbia Debt Recovery LLC DBA Genesis  stating that I leased an apartment located at XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX as of XXXX. They claim I owe them {$11.00}, XXXX. 

I reside at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and I am a victim of identity theft as I have never even been to XXXX XXXXXXXX XXXX 

I would like this deleted from my credit credit record as it is fraudulent. aby questions, email me at XXXX or call me at XXXX, Respectfully, XXXX XXXX
Consumer complaint received 2019-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo closed my credit card account a month ago with no forewarning while it had a negative credit balance of {$54000.00}. They have since sent me a check for only {$1800.00}, while the remaining balance is still missing. The bank claims to have refunded that money to a separate bill payment company, whom I have called, and they have told me they have no record of the money being received. Wells Fargo has not provided any reference numbers for me to track down this money or determine how to find the money. 

According to 12 CFR 1026.11 ( a ) ( 2 ) - ( 3 ), the bank is required to refund a negative balance within 7 days of my request, and only by " cash, check, or money order, or credit to a deposit account of the consumer ''. None of these methods of refund were utilized by Wells Fargo. Additionally, I have requested this money be returned for a month now and the bank has not made a good faith effort to return the money to me within the timeframe listed in the statute. I have left voicemails, sent emails, and sent letters via USPS mail all to no avail.
Consumer complaint received 2022-06-01
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. (FL)

In accordance with the Fair Credit Reporting Act the following creditors have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Collection XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Incorrect Address ( never lived here ) : XXXX XXXX XXXX XXXX XXXX, Fl. XXXX Incorrect Name : XXXX, XXXX 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 : also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-06-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Creditors Bureau Associates (GA)

In accordance with the Fair Credit Reporting act XXXX  account # has violated my rights. XX/XX/2019 15 U.S.C 1681 section 602a states I have the right to privacy 15 U.S.C 1681 section 604a section 2 its also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-06-01
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc. (NY)

SANTANDER CONSUMER AT XXXX XXXX XXXX XXXX XXXX , TX XXXX.  HAD BEEN SENDING ME COLLECTION NOTICES IN THE AMOUNT XXXX. THE COLLECTION HAS BEEN REPORTER AS PASTED DUE BALANCE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE BUSINESS WITH THIS COMPANY. THIS COMPANY DOES NOT HAVE A CONTACT WITH MY SIGNATURE
Consumer complaint received 2022-06-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Collection Bureau, Inc. (GA)

There was a collection account placed on my credit report on XX/XX/2022 from a collection agency by the name of UCB Collections address XXXX XXXX XXXX XXXX, OH XXXX. There was a letter sent to the company by certified mail XX/XX/2022 and received by the company on XX/XX/2022. As of today the company has failed to validate the debt not VERIFY the debt. The company sent documentation that was not requested. The company has failed to validate this debt to be true by submitting the following ; -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature The company continues to report this erroneous debt to my credit report without proper debt Validation which is in violation of the FDCPA
Consumer complaint received 2024-02-21
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: PNC Bank N.A. (PA)

The bank deducted money out of my checking account without permission and applied it to the loan. Ive had the loan for a few years ago and there was never any authorization for auto deduct, and I never spoke to anyone deduct to deduct the money. I want them to stop doing that without my permission in case I dont have enough in the balance to pay other bills and they bounce my account
Consumer complaint received 2022-05-31
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I have a second mortgage through Huntington Bank, and it matured in XX/XX/XXXX. The agreed upon note, signed by both the bank and I, states {$40000.00} financed with total interest to be {$28000.00} to be paid back in XXXX installments of {$370.00}. I made my XXXX payment in XXXX, but Huntington states I still owe {$2900.00}. I have not been late, nor have I missed a payment, and I pay electronically by the XXXX  or XXXX of every month. 
I've been trying to get this rectified since XX/XX/XXXX by visiting my local Huntington branch multiple times, and have been told a research team would look into the matter ; they haven't. I have given them copies of my proof-of-payments, asked for why I should have 7.6 more payments after I fulfilled my payments on the mortgage, and have not received an answer of XX/XX/XXXX. I called customer service twice on XX/XX/XXXX, the second time got a hold of a supervisor who told me she'd send emails to start an investigation and notify the consumer advocacy wing of their company. I called again on the XX/XX/XXXX, XXXX, XXXX, and on XX/XX/XXXX. The call on the XXXX a supervisor told me she would " raise the level '' of the complaint and was surprised no one had contacted me since the last investigation. I did ask for an amortization schedule on both the XXXX and XXXX mortgages twice now ; I've received neither. Huntington did send some transactions for the first mortgage from XXXX to XXXX, and on the second mortgage transactions for XX/XX/XXXX to XX/XX/XXXX. The second mortgage transaction show XXXX misapplication reversed payments, XXXX late charges ( wasn't late ), and an escrow deposit ( I have no escrow with the 2nd mortgage ). Moreover ; my principle is the same on XX/XX/XXXX as it is on XX/XX/XXXX.
Consumer complaint received 2022-04-15
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. (CA)

The Fair Credit Reporting Act outlines the rights that Identiy Theft Victims and those who believe they are victims have the RIGHT to BLOCK FRAUDLENT INFORMATION FROM THERE CREDIT REPORT AND STOP A COMPANY FROM REPORTING INFORMATION RESULTING FROM IDENTITY THEFT BLOCK AND REMOVE THESE FRAUDULENT INQUIRIES I AM A VICTIM OF IDENITY THEFT BLOCK AND REMOVE THESE FRAUDLENT INQUIRIES XXXX  XX/XX/2022 TRANSUNION FRAUDULENT HARD INQUIRIES XXXX XXXX XX/XX/2022 XXXX FRAUDLENT INQUIRY
Consumer complaint received 2022-05-31
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc. (AZ)

My mortgage company is BSI Financial. I had signed up for forbearance initially when COVID started and my wife lost her job. After 6 months of the forbearance plan I have called over and over again to get it resolved and start paying again ; I have only spoken with 1 point of contact that said underwriting was still doing the loan modification and not to worry. I have still called multiple times a month and we now received a letter from mortgage company that they are going to foreclose on the home. I have a point of contact extension that everytime I call goes to XXXX. 
I call customer service and they say they cant help and transfer me to point of contact which goes to XXXX. I have been able to make mortgage payments at the end of the 6 months but it is now 533+ days delinquent with no one to help me.
Consumer complaint received 2022-12-18
Product: Credit reporting, credit repair services, 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. (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.
Consumer complaint received 2022-12-18
Product: Credit reporting, credit repair services, 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. (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.
Consumer complaint received 2022-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Fidelity National Information Services, Inc. (FNIS) (WA)

I just recently tried to get a bank account and chexsystems told them I could not do so so I called them and asked for the disclosure paper and all the things it had on there I did not do at all like bank accounts and other XXXX XXXX I didn't understand on there I don't remember them all but here are two of them one : XXXX XXXX a part of XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALSO 2 1/2 years ago someone broke in my spot and also my purse was dumped out and my wallet had my SSN card my id and money also my son 's SSN card and his health card missing and all of a sudden I started getting mail about cars and stuff and I don't own a car and now this
Consumer complaint received 2022-12-18
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting Act the list of accounts below has violated my federally protected consumer rights to privacy and confideniality under XXXX XXXX XXXX. Account name : XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, 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 an 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. XXXX is re-aging the debt which is against the FCRA. When an account has inaccurate information it must be deleted and my rights have been continually violated and these companies must be ordered to pay. XXXX issued a XXXX which means the debt has been paid and no debt is owed and the account must be deleted for inaccurate information. XXXX also states I have filed bankruptcy and that isn't true which means the account doesn't belong to me. If these accounts are not deleted then I must be awarded {$1000.00} per violatio.
Consumer complaint received 2024-06-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: Paypal Holdings, Inc ()

Hello Thetre I am writing to seek your assistance in resolving a critical issue with my PayPal account. My business specializes in the sale of custom digital charts for bookkeeping and accounting. We offer meticulously designed tools to help individuals and small businesses efficiently manage their financial accounts. These products, including spreadsheets, templates, and user-friendly software, are available for purchase online and are delivered electronically upon transaction completion. I began receiving transactions through PayPal in XX/XX/2024. 

On XX/XX/XXXX, PayPal requested verification details, including my ID card and proof of fulfillment. I promptly provided the necessary documents, and everything appeared to be in order. However, on XX/XX/XXXX, I received notification that my account had been permanently limited. 

I immediately contacted PayPal 's executive office for clarification but received confirmation of the permanent limitation. This situation has caused significant disruption to my business operations, given my reliance on PayPal for receiving payments and compensating staff. I have invested substantial resources into this business, and the limitation of my account is severely impacting my ability to manage operations. 

I firmly believe that this decision is unjust, as all my information and activities on the PayPal account have been transparent and compliant with their policies. I am urgently requesting a review and reinstatement of my account to allow me to continue running my business effectively. 

Your assistance in this matter would be greatly appreciated. 

Thank you for your understanding and support. 

Best regards
Consumer complaint received 2023-10-17
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. (MI)

dept of education XXXX  in accordance with the Fair Credit Reporting act 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 dept of education XXXX I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly