davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (AZ)

Hi, I am disputing the accelerated loan charges 10k ish in total, as we were only late as we assumed all along we would get the loan modification due to PNCs manipulation. We have a close date of XX/XX/XXXX in the house to pay back the entire balance and avoid foreclosure, and PNC is not working with us as they are trying to still proceed active foreclosure. We have a signed contract and will close as I said, XX/XX/XXXX with the loan balance being paid off.
Consumer complaint received 2019-01-05
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: Home Loan Center, Inc. (CA)

I was exploring Interest Rates for a purchase of a vehicle. I utilized XXXX. I was unaware that by using XXXX XXXX   that I would have multiple inquiries on my report. I would not have proceeded otherwise ; as I am very conscientious about applying for credit. I started to get alerts regarding inquiry. I was able to identify XXXX XXXX as the party responsible. I contacted them to advise that I was not aware that this would generate a credit inquiry. I was advised that is was in paragraph 5 ; which is below View Free Offers however ; if you are using a mobile device ; the paragraphs do not readily display on the screen. Typically, other websites, make you scroll down or actually check a box to agree before proceeding. I have seen other complaints regarding XXXX XXXX regarding this issue and they are not being transparent to the customers on purpose so they can generate leads. I was advised that up to 5 inquires could be sent. I have a picture of how it shows on my XXXX XXXX that I can provide. I am unable to dispute inquiries on my credit report and I am not sure how this will impact my credit score. Further, I had already purchased a vehicle and I am still getting credit inquiries.
Consumer complaint received 2023-06-13
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)

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

Accounts 1. there is some inaccurate information reporting. 
OAG CHILD SU Account Number : XXXX Delete this account. 

2. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX  XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX
Consumer complaint received 2023-06-13
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. (FL)

Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense stress and XXXX. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.
Consumer complaint received 2019-01-05
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc. (GA)

I have been dealing with an on-going dispute involving my credit reports. I have a derogatory account reporting on my credit for an auto loan that I did not open. This account is not mine and neither did I assist anyone on this matter. This information is incorrect and does not belong to me
Consumer complaint received 2019-01-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC (NV)

This is regarding my XXXX service. Had to stop service due to move. Its a matter of returning all rental equipments to XXXX. I made a mistake, missed one equipment but returned it too after being informed there is one more to return. I have receipts If needed.
Consumer complaint received 2019-01-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

My home loan was transferred from XXXX XXXX XXXX to Carrington mortgage at the XX/XX/XXXX/XX/XX/XXXX. We were told we had a grace period to start paying on the loan with the new company. But thought better and made our payments on time. Never missing a payment. But Carrington started sending us threating statements about us being behind. They never got back with us when we sent in information that we were current on our mortgage. I went from having EXCELLENT credit to fair credit in months and it's not changing. Our mortgage gets paid every month on time. But when I just checked my credit report Carrington has us behind 30-59 days for the last 7 months!! We need help dealing with this company. I take pride in paying all our bills on time.
Consumer complaint received 2024-02-27
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. (NY)

I have previously disputed this fraudulent account last year and this account was removed from my credit report. I have even sent a FTC report to the company directly and also to your company and now this fraudulent account has been sold or whatever to another company and has been put back on my credit report.
Consumer complaint received 2020-08-01
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc. (FL)

Convergent Outsourcing, Inc has called repeatedly and sent a written letter claiming to collect a debt that I do not owe. I made contact to the Original Creditor and they confirmed it is a scam as they have no record of account reported by this debt collection company.
Consumer complaint received 2020-12-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

Applied for dental coverage for live in boyfriend on XX/XX/2020. The premium was {$780.00} and was to begin coverage XX/XX/2020. No welcome packet nor plan identification was ever sent by email or mail. 

Emailed, called and opened incidents with XXXXXXXX XXXX support repeatedly. Customer service could not find his info nor I in the system and without a participant id they could not process a refund. Their support team closed the incidents I opened without reaching out to me. 

I reached out to my bank, Chase, to request they do a charge back for the XXXX at XXXX XXXX transaction. They said since it was an ACH transaction that they could not do a charge back and I would have to request a refund from the company directly. I asked for all transaction details and drafted a letter. 

I left a voicemail for and sent an email to their XXXX, XXXX XXXX, explaining and requesting a refund. She forwarded my request to their appeals department. XXXX XXXX called me and left a voicemail to let me know that she received my request and she left me her email address. I emailed her to get status and she responded via their secure messaging application ( deletes emails after number of days ) just to email back that she can not respond to me because of privacy laws due to the plan was purchased for someone else and she would be sending the enrollee a response via mail. 

That letter arrived and as I had predicted would happen, they informed my boyfriend that they can not refund me the premium because they suddenly found his plan info! They say their records showed he was given a plan id for coverage XX/XX/XXXX, and was sent a welcome packet. THIS IS COMPLETELY FALSE! He has not been able to utilize the coverage they claim to have provided because no plan info was ever sent and it took me numerous failed attempts to bring this to light and only until after finally reaching out to their CFO did they send an id card. The letter does not even offer to extend the policy for the time lost. 

Customers should be able to dispute any bank transaction in their account to recover funds from a company that refuses to take responsibility for failing to provide service during the subscriber period for which they received payment.
Consumer complaint received 2022-02-04
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: EQUIFAX, INC. (FL)

I was checking my credit report and i found out that there are many information which doesn't belong to me. I checked all details from credit report, and i saw, that you have wrong Date of birth XXXX, CORRECT DOB is XX/XX/1988. 
So i believe, that someone used my personal information to apply for these accounts, please, make sure You will inform all 3 bureaus about this mistake. 
Because these accounts my credit score is very low, i'm not able to apply for any credit cards or loan, and You know, the situation with Covid-19 is very difficult and now is very hard to survive.
Consumer complaint received 2020-12-17
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)

The company continues to report fraudulent accounts to my credit report when I have never signed a contract with the company. They are refusing to send me verifiable proof of an original consumer contract with my signature on it.
Consumer complaint received 2018-12-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (KS)

I consolidated my loans with Navient. I tried to enter into a IRP. I filled out the application process several times and each time it was denied or did not go through. My Navient advisor was not helpful, couldn't explain why and would just send me emails stating I should reply yes to get it deferred. There was no explanation of fees or charges and I lost my job while trying to get my loan IRP in order. Navient said deferment was my best option. I was out of work for 5 years and this year went back to work. I was contacted by XXXX a credit recovery service who said my balance from Navient is XXXX and I now in default and owe the total XXXX. My original loan had now ballooned to double the amount owed and the loans through Navient are in default. My other loans through XXXX are in good order. I have tried to get an explanation, log on to my Navient account and am unable to do so. I was fraudulently charged double my loan with no notification or explanation. Original loan is XXXX, XXXX with a 6.8 % interest rate that is an additional XXXX. Navient has charged me an additional {$52000.00} which is more than my original loan amount!!!!!!!!!!!!!!!!!!!! 

1.XXXX university original Balance {$8500.00} - with fees from Navient {$14000.00}. XX/XX/XXXX {$4200.00} DF DEFAULTED, UNRESOLVED XX/XX/XXXX XX/XX/XXXX {$4200.00} 2. Orginal loan {$30000.00} with fees from Navient {$53.00}, XXXX XX/XX/XXXX {$30000.00} DF DEFAULTED, UNRESOLVED XX/XX/XXXX 3. Original loan {$12000.00} with fees from Navient {$25000.00} XX/XX/XXXX {$12000.00} DF DEFAULTED, UNRESOLVED XX/XX/XXXX RP IN REPAYMENT XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX RP IN REPAYMENT XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX RP IN REPAYMENT XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX RP IN REPAYMENT XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX RP IN REPAYMENT XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX RP IN REPAYMENT XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX RP IN REPAYMENT XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX DA DEFERRED XX/XX/XXXX RP IN REPAYMENT XX/XX/XXXX DA DEFERRED XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX DA DEFERRED XX/XX/XXXX RP IN REPAYMENT XX/XX/XXXX DA DEFERRED XX/XX/XXXX BK BANKRUPTCY CLAIM, ACTIVE XX/XX/XXXX RP IN REPAYMENT XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX RP IN REPAYMENT XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX DA DEFERRED XX/XX/XXXX
Consumer complaint received 2020-08-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (IN)

On XX/XX/2020 my Coinbase account was restricted, they asking for my SSN which I dont have, I cant buy nor sell my cryptocurrency, all I want to do at this point is retire my funds transferring the money to my bank account which is in their system, the very same bank account that I used to buy crypto, my  funds are around 4K to 5k dollars as right now, I invested around 3.5 k dollars, all I wan na do is to get my money, they are keeping my funds hostage ( basically they are stealing my money, is this legal? ) I have tax Id number and Ive paid my taxes every year that I had income, I hope they dont get away with this scam letting people like my self opening accounts not requiring ssn to do it and then freeze the account asking for ssn and keeping the money, please help!
Consumer complaint received 2021-07-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: M&T BANK CORPORATION (NJ)

About 2 week ago i was sent a letter that my business checking account XXXX XXXX XXXX will be closed. For depositing a check into my account. The reason was not clear. The bank was M & T Bank. Acct # XXXX. I'm new business owner and i have XXXX check system for payroll. I inadvertently deposit a check into my business account and that cause the back office to send letter to close my business account. I have no access to my money or online banking accounts. I was granted a business line of credit and the only way to pay the bill is in person. The branch closes early and its over 20 minute drive or more. I'm afraid this drastic move from the bank back office will hurt my personal credit and business credit. I called the XXXX, NJ branch several time no help. I called i called customer services no help. I need some clear answer.
Consumer complaint received 2023-09-28
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (GA)

On XX/XX/23 I sent, via certified mail, a letter to receive debt verification from Resurgent Capital/LVNV Funding for 2 debts they are reporting on my credit report. The letter strictly stated that I wished to only be contacted by email. Yesterday, I received their debt validation letter, which only is not adequate debt validation in my opinion, but they sent it to me via mail rather than email. Mail is not a convenient way to contact me! I know that this is FDCPA violation and I could demand a settlement for this, but ask that they please just remove the items from my credit report and cease all collection activity for the account with XXXX XXXX  a reference number XXXX as well as reference number XXXX with the original creditor being listed as XXXX  XXXX.
Consumer complaint received 2019-03-31
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

I have been dealing with Bayview loan services for approximately 3yrs now since they bought my Mortgage from XXXX. I fell behind on my Mortgage when I was laid off by my employer. I have been in a modification program with Bayview and during this time I've had difficulty contacting them to make my monthly payments. I've spent days trying to contact Bayview to make my trial modification payments. Just recently they refused to take my monthly payment stating that they were missing a signed document. Mind you I've been making payments on the modification up to this point. Because they refused the payment it voided my modification program and now Bayview is filing for foreclosure on my home. How is this legal? I was approved for the modification program by Bayview and had been making my monthly payments on time and they randomly refuse my payment. How can I save my home? I don't want to sell my home nor do I want it to be foreclosed on.
Consumer complaint received 2024-02-08
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. (AZ)

I am following up on my complaint dated XX/XX/2024 regarding the consistent oversight of my requests for correcting the erroneous status of my account by your agency. Despite multiple written submissions, I have not received any response thus far. Furthermore, inaccurate information concerning my accounts persists on my credit reports, indicating potential non-compliance with the Fair Credit Reporting Act, specifically 15 USC Sections 1681, within the legally mandated timeframe. The continued reporting of unverified information raises concerns of willful negligence and non-compliance with federal statutes, despite my persistent efforts to address the matter directly with the creditor. Below are the accounts that continue to be reported : Experian : XXXX XXXX Balance : {$6200.00} XXXX XXXX Balance : {$78000.00} XXXX XXXX Balance : {$19000.00} XXXX : XXXX XXXX Balance : {$7300.00} XXXX XXXX Balance : {$78000.00} XXXX : XXXX XXXX Balance : {$6200.00} XXXX XXXX Balance : {$78000.00} XXXX XXXX Balance : {$19000.00}
Consumer complaint received 2018-01-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC (MI)

I recently had an old debt roughly 10 years old reappear on my credit report. The request for payment is not from the original debtors. I started a dispute with all 3 major credit bureaus and only XXXX deleted it. The debt was on my credit report years ago and was deleted once the ( I believe ) 7 year period had passed. I dont understand how it can be put back on my report. I received a letter dated XXXX XXXX 2018 from a lawyers office asking for {$770.00} and a response within 30 days. I believe this debt has been reaged. The collection company who recently put this information on my report is XXXX XXXX XXXX , XXXX ( assignee ). The original debtor is XXXX XXXX. The law office whos asking for the payment is XXXX XXXX XXXX XXXX XXXX the address is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, mi XXXX.
Consumer complaint received 2019-01-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BBVA FINANCIAL CORPORATION (MA)

My account with BBVA had 4 overdraft fees due to 4 payments return from the same company ( XXXX XXXX ). That was okay, because it was poor planning on my part. Once I saw the mistake, I quickly made deposits to cover the 4 payments and the overdraft fees, because I knew the XXXX XXXX would try to withdraw funds from my account again. 

I quickly made the deposit, and to my surprise, 2 days later I had 6 additional overdraft fees on my account. BBVA bank used deceptive practices to charge me multiple fees. I had sufficient funds on my account, since I made deposits on XX/XX/2019. BBVA charged me the 6 additional fees and return the payments once again to XXXX XXXX. I called the creditor and the creditor told me that they try to withdraw the amounts on XX/XX/2019. I tried to explain to the bank that on XX/XX/2019 I had the available funds on my account to no avail, they did not returned me any of the fees. 

I was upset that I closed my account with BBVA, and told them to my the remaining balance, but guess what? they do not have a option to mail you the balance of the account, so I had to " DONATE '' the remaining balance to the bank. My only option would be for them to mail the balance, since they do not have a physical branch in Massachusetts.