davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-21
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: TCF NATIONAL BANK (PA)

TCF Bank has placed all my accounts as Dormant. Since I moved to East Coast, I have not been able to visit any branch as they don't have any branches anywhere on the East Coast. They arbitrarily started charging " month maintenance '' and " dormant account '' fees in the past, and I placed a complaint ( # XXXX ) for my dormant checking account. Fortunately, TCF Bank decided to reverse these fees after my previous complaint. Now TCF Bank started to arbitrarily charge similar fees to my other two dormant savings accounts. 

I called again TCF Bank today ( around XXXX XXXX EST on XX/XX/2021 ) hoping they will resolve this issue, but the person who was helping me was not providing accurate information, stating that " no fees were being applied to any of my accounts ''. When I further inquired on the balance, the person ackowledged there were fees, but sated did not have the ability to remove any fees or explain why they started charging these fees. After asking to escalate and talke with a supervisor, they stated that the only way to remove any fees would be by visiting a branch in person, which would be expensive and time consuming for me as I moved to a different state. No electronic access is possible because the accounts are " dormant ''.
Consumer complaint received 2020-12-08
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: CORELOGIC INC (NY)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, XXXX, XXXX XXXX add a hard inquiries on my credit reports per XXXX  and XXXX. On XXXX XXXX, XXXX, XXXX XXXX XXXX add a hard inquiries on my credit reports per XXXX  and XXXX. On XXXX XXXX, XXXX, CREDCO add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2019-03-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

A student loan with XXXX was closed XX/XX/XXXX. The last payment on this loan was XX/XX/XXXX. This loan was granted a forbearance, XX/XX/XXXX, for 13 months, until XX/XX/XXXX. However, XXXX closed the account XX/XX/XXXX, with any reason. They have been unwilling to provided documentation after I requested it. They never stated why the account was closed while the loan was in forebearance.
Consumer complaint received 2022-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have called and sent In letter to credit agencies about deleting my wrong name my new name XXXX XXXX XXXX  XXXX XXXX And my only address is XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Nevada XXXX I would like XXXX XXXX XXXX deleted off my credit report
Consumer complaint received 2020-12-08
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: CREDIT ACCEPTANCE CORPORATION (NY)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, XXXX, XXXX XXXX add a hard inquiries on my credit reports per XXXX  and XXXX. On XXXX XXXX, XXXX, CREDIT ACCEPT CORP/CAC add a hard inquiries on my credit reports per XXXX  and XXXX. On XXXX XXXX, XXXX, XXXX add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2018-10-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (TN)

After seeing a report on XXXX credit bureaus, I contacted Common Wealth Finance XX/XX/2018, I  have requested three times since then for debt validation from Common Wealth Finance. They say each time that they have mailed by usps validation of my debt. They say they also emailed to my acct. XXXX validation of dept. I have never receive anything. I believe I do not owe these debts. Two for {$100.00} and one for {$130.00}. I sent them a certified letter asking for validation of debts. They did not contact me by phone, email, or mail. instead they added the debts to another reporting agency, XXXX.
Consumer complaint received 2021-09-21
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: AMERICA FIRST FEDERAL CREDIT UNION (NV)

Tried several times to dispute several inaccurate and fraudulent accounts from America First Credit Union, reporting to my credit report. These items have been hindering me from moving forward with other financial endeavors I want to pursue. 

These accounts are reporting as a positive account and negative account. This is not correct as I have never applied for an account with this company.
Consumer complaint received 2020-12-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (GA)

Midland Credit Management took me to court for a debt that did not belong to me. On XX/XX/2019, a XXXX XXXX dismissed the case. However, Midland Credit Management is still reporting the debt to the credit bureaus saying that I owe it and it is still in collection. I disputed the entry and Midland refuses to remove it saying that the account is still open and that I owe the debt.
Consumer complaint received 2020-12-08
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (CO)

When I refinanced I was given an address to XXXX so was sending payment there, I received a delinquent letter, called to get info where I was suppose to send bill, the payments where never late, my account just did not reflect the correct date financial company applied payment.
Consumer complaint received 2017-09-19
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NC)

On XX/XX/XXXX2017 I called Navient my student loans provider to talk with them about my approximate monthly payment and the options for lowering my monthly payment once my grace period ends in XXXX. My family and I just moved from XXXX XXXX county in XXXX upon our completion of school to XXXX XXXX because we could no longer afford our bills, rent, etc. We had accumulated in {$8500.00} in credit card debt just to survive. We 've moved in with my family and are essentially homeless. We can not afford my {$590.00} payment for my private loans on top of the payments for my husband and my federal loans. I was told there are not really any long term solutions to help me, despite the fact we ca n't even afford a home to live in with our XXXX XXXX. The lady I spoke to was not accommodating to our situation and made it clear that I could not be helped with anything until XXXX XXXX, 2017. Simply, I can not afford my private student loans to Navient, and still be able to put food on the table for my family.
Consumer complaint received 2023-03-24
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: EQUIFAX, INC. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : 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 2021-04-06
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. (AZ)

I spoke with XXXX at Equifax on XX/XX/2021 about the unauthorized inquiries that appears on my credit report I request the following inquires to be delete and removed off my Equifax credit report : XXXX XXXX XXXX XXXX I did not authorize any of this inquiry. I am requesting that all above unauthorized inquiries be removed immediately from my Equifax credit report due to my identity been stolen.
Consumer complaint received 2020-05-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (IL)

The original creditor, XXXX XXXX, charged off a false amount of debt in the amount of {$8900.00}, then sent a file over to Fair Collections and Outsourcing, who attempted to collect {$8900.00} as well. 

Once I found out, I contacted XXXX XXXX, proving to them that their {$8900.00} was completely inaccurate, and that they kept my security deposit. Instead of resolving this issue fully and recalling the debt from the collector, Invitation sent Fair Collections and Outsourcing a new amount of {$3600.00}, which is still inaccurate. 

Fair Credit and Outsourcing refuses to verify the debt they claim I owe, and will not delete their collection from my credit file. This is unfair, as I do not owe either company {$3600.00} or any other debt.
Consumer complaint received 2021-08-17
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CURO Intermediate Holdings (TX)

On XX/XX/XXXX I called Adastra Recovery Services Inc and I called them and paid the debt in full with the understanding I would have the debt DELETED from my credit report because I was going through the Mortgage Process. The representative assured me that once I paid in it would be deleted immediately and I would receive a paid in full letter. I received a paid in full letter via mail dated XX/XX/XXXX but the item was NEVER deleted and has affected my ability to obtain my mortgage. My mortgage lender requested a letter from the collection agency stating it would delete the account offer my credit report. The company is refusing to provide with a letter stating it will be deleted and he has not been deleted as of XX/XX/XXXX although I was promised by the representative it would be XX/XX/XXXX. I also called several times starting XX/XX/XXXX and was told they would not issue me such a letter and that it will do come off until XX/XX/XXXX, That is not what we agreed and it is affecting my ability to obtain my mortgage. The collection Agency operated in DECEPTIVE and HARMFUL PRACTICES and will not listen to REASON!!!
Consumer complaint received 2018-01-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: American Accounts & Advisers, Inc. (MN)

I checked my credit report and for my surprise was 12 accounts with this company, never answer my notification, Never got any collections letters not even 1 letter, If they do please I need contact the company who sent the letter, is unfair if you dont have the option to dispute or paid before reach the 30 days mandatory.
Consumer complaint received 2023-01-11
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: EQUIFAX, INC. (VA)

In accordance with the Fair Credit Reporting Act, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, 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 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late fo any reason.
Consumer complaint received 2023-03-23
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. (FL)

According to 15 USC 1681 section 602 A States I have the right to privacy. 

15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 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 more than seven years. 

15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I Am A natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax is governed by 15 USC 1681. and they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Account name : XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXXXXXX XXXX XXXX Account number : XXXX Account name : XXXX Account XXXX : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXXXXXX XXXX  Account number : XXXX Account name : XXXX XXXX. Account number : XXXX Account name : XXXXXXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX Account number : XXXX ONLY ADDRESS SHOULD BE ON MY CREDIT IS THE ADDRESS REPORTING.
Consumer complaint received 2020-12-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

XXXX assisted with Loan Modification-with PHH Mortgage Services-provided all documentation/on XX/XX/2020 PHH Mortgage Services XXXX XXXX XXXX XXXX sent Decision on the Request for Mortgage Assistance Trial Period Payments {$2300.00} which is UNAFFORDABLE- when XXXX contacted PHH Mortgage Services they USED for income amount $ XXXXmonth oppose to my actual income {$5000.00} amount. 

PHH Mortgage Services Underwriter DIDNOT act in GOOD FAITH AND USED FALSE INCOME and yet I am now behind 4months of Mortgage payments-since XXXX PHH Mortgage asked me if I wanted Forbearance-I refused and requested Loan Modification. PHH Mortgage asked if any damages to property as if a buyer is set up to take over my property. I believe this question is not a part of the Loan Modification process and want to Report due to possible appearance trying to KEEP PROPERTY UNAFFORDABLE PHH Mortgage sent XXXX  XXXX  as the holders/interests in my property -- this is my only residential property for my family and I.
Consumer complaint received 2020-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I did a balance transfer with BofA last year and set up an auto pay to get the card paid off during the promotional period. The balance was paid in full, on time in XXXX and I cancelled the auto pay of {$620.00}. In XXXX the bank pulled another payment from my checking account and created a credit balance on the credit card. I called them on XX/XX/20, explained the error, provided my routing and account numbers and was told that I would be reimbursed within 2-5 business days. On Friday, XX/XX/20 I called and spent over an hour trying to speak with a human being. At that time I was informed by a front line clerk and a supervisor that the transaction was being processed as a dispute and that it could be up to two billing cycles before I was made whole. This is NOT acceptable and I have gotten nowhere with them.
Consumer complaint received 2022-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CO)

Experian is reporting false outdated information on my credit report. They were reporting a student loan for nearly XXXX XXXX. They are reporting false outdated information given to them by XXXX XXXX XXXX services. XXXX XXXX XXXX services is using a court case document that is inactive and no longer in effect. I never signed any agreement with XXXX XXXX XXXX XXXX. I never made a payment schedule and I was never warned of late payments being reported to a credit reporting agency
Consumer complaint received 2018-10-01
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. (TX)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX To WhomIt May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : The following addresses are reporting incorrectly and must be removed immediately The following inquiry needs to be removed immediately : Creditor Name : Factual Data Inquiry fromXX/XX/2018 + XXXX XXXX   XXXX XXXX I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. Sincerely, XXXX XXXX
Consumer complaint received 2019-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

I was charged a {$19.00} member fee from Capital One in XX/XX/2018. I was not notified of this, and had not used the card at all for months prior. Three months later ( XX/XX/2018 ), they reported me to the credit bureau for not paying what was now a bill of {$110.00} due to late fees.

This drastically dropped my credit score and has prevented me from buying a house. I do not think this is justified because I have never made a late payment before and I paid the full fee of {$110.00} on XX/XX/2018 immediately after realizing I had an unpaid balance. 

I would like this removed from my credit report as quickly as possible.
Consumer complaint received 2019-03-07
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 feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2023-03-30
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PRO MORTGAGE ASSOCIATES, INC (OK)

Mortgage Lender, advertising on FB about availability of rates for different programs. However, the ads are missing key componets of " disclaimers for eligibility, including the loan amounts, the credit score required to obtain these rates and down payment amount ''. Additionally there are no NMLS # s listed for the Lender or any specific Originators. All of which appear to be a violation of https : XXXX A consistent and ongoing concern with this Lender, polluting the market place with potential falsehoods.