davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (IL)

Purchased my home in XX/XX/XXXX with XXXX XXXX XXXX XXXX who sold my mortgage to PNC. Previously worked as a XXXX and paid all my mortgages on time. I lost that job and accepted another job as as XXXX which did not pay as much. Contacted PNC who informed me that I should not pay for 3 months to qualify for a homeowner modification. I was given a trial period of 3 months and I paid for the 3 months prior to them approving the modification. I paid the modification for several years ( XXXX ) when suddenly PNC decided to return all my mortgage che is ( after mine had been cashed ). I did not cash any of their checks that have been returned and they have stacked up to XXXX. They have since sent me a letter they are going to foreclose on the home and I have decided to file bankruptcy to protect myself against PNC which has since ruined my credit. I have since receive a letter from PNC stating they are going to court to sell the house on XX/XX/XXXX and I have now decided to join a class action lawsuit as I have paid thousands of dollars in attorney fees and no results from local attorney General and courts. Updated on XX/XX/XXXX : This is a follow up from my prior complaint regarding PNC mortgage. PNC foreclosed on my prior account while I was paying my mortgage and has handed my home over for renting to a company out of Utah called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. Buyers beware. Do not take out a mortgage with PNC mortgage!!! If you have been ripped off the way I have and not obtaining local help from your local courts and politicians seek class action! This ca n't be legal. Updated XX/XX/XXXX : PNC left me homeless for the holidays and for the XXXX XXXX. This complaint is also posted at Consumer Affairs but is now being censored but the public has the right to know the truth about such unlawful acts and individuals who think the law does not apply to them.
Consumer complaint received 2022-03-10
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. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Consumer complaint received 2019-10-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I have received 7 1099-C from USAA from XXXX to XXXX. I am unable to pay these debts. They have been sent to the IRS. I have attached all the 1099-C I have received. Most if not all these debts are more than 7 years old and still are on my credit reports.
Consumer complaint received 2017-12-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems (CA)

Midwest Recovery Systems just dinged my XXXX Credit Report, by reporting that I owe them XXXX. This happened last XXXX as well. Once I went to the Consumer Financial Protection Bureau last XXXX, they quickly dropped it. However, it appears they are back at it, again. Really fed up with them. They refuse to verify the debt, yet they go straight to my credit report. Really unfair what they are doing.
Consumer complaint received 2019-05-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (MI)

Sooo many calls from the scam bank XXXX  # XXXX and many, many more different numbers. 
They are calling for a XXXX XXXX XXXX ( not our name ) who owes XXXX XXXX money
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and REMOVE them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2018-01-02
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

Equifax Confirmation number : XXXX Fax Letter dispute, sent notarized certified dispute letter to Equifax on XXXX XXXX, XXXX, Tracking # XXXX via USPS. Asking company to validate not verify inaccurate items on my credit report. Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. If a credit bureaus, collection agencies or creditors can not prove the account or inquiry is my account in a timely manner ( 30-45 business days ) the account must be removed from my credit report. That means provide me with physical documents with your signature. 
1. Provide a CERTIFIED copy of Authorization signed by me, naming your company as having my consent to furnish, update, verify, make inquiries, add comments and/or dispute codes of any access to my personal credit report/file. 
2. Provide a Certified copy of my full chain of assignment starting with the original creditor to any and every 3rd party collection company to present. 
3. Provide a full accounting : Every charge, payment, fee, interest, credit, and any other amount attributed to the alleged account, and the date on which each event occurred, as well as a description of each event or purchase causing an amount to allegedly be owed.
Consumer complaint received 2018-01-02
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)

The following account isnt not mine. Equifax deleted and permanently blocked the following account from my Equifax credit report between XX/XX/XXXX through XX/XX/XXXX : XXXX Child Support Enforcement. The account has been put back on my credit report, even though, Equifax deleted and permanently block this account from my credit report between XX/XX/XXXX through XX/XX/XXXX. The account is not my account.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-29
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. (TX)

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-18
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items, listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$5600.00} XXXX XXXX XXXXXXXX Balance : {$5500.00} XXXX XXXX XXXXXXXX XXXX Balance : {$2900.00} XXXXXXXX XXXX  XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXXXXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-11-18
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. (TX)

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be deleted immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2017-07-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC. (FL)

I was contacted by IQ Data International who 's office according to a letter I received in the mail is based in XXXX, WA. I contacted this debt collection agency to work out a debt payment plan and was put in contact with an individual named XXXX XXXX at XXXX x XXXX and his supervisor XXXX XXXX at x XXXX. I was told by XXXX sometime during the last two weeks of XX/XX/XXXX that I would only have to pay a sum of {$800.00}, and this conversation and all others I was notified by XXXX was being recorded, I first made a payment of {$200.00} and two weeks later made a payment of the remaing {$600.00} over the phone. XXXX XXXX had me give my Debit Card information and security code to him over the phone to arrange the payment, unknown to me IQ Data International had already charged my account almost {$600.00} in the form of a check that same day. I unknowingly paid DOUBLE the amount I initially agreed to and was not notified that this circumstance had transpired until my card was declined at a convenience store while I was trying to buy my child supplies and gas for my car. I have made numerous attempts at contacting IQ Data International and have received absolutely no word at all and no one has made any attempt at resolving this issue with me. At current standing my bank account is overdrawn $ -XXXX. This is absolutely unacceptable. I would be glad to let them keep the agreed upon payment of XXXX XXXX if they will refund me the other {$600.00} plus a {$35.00} overdraft fee. I have already contacted the BBB and filed a complaint, I will continue to report this issue to every department of the Federal Trade Commission, Offices for Consumer Protection, and the Trade Commissions and Attorney Generals Office of Washinton State until my funds are returned and this issue is resolved.
Consumer complaint received 2017-07-11
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)

Equifax has fraudulent accounts posting to my credit file I have sent them police reports a identity theft affidavit and a ftc report so that the fraudulent items can be removed the fraudulent items are XXXX XXXX XXXX XXXX and XXXX XXXX The other two bureaus  have removed these fraudulent accounts, by law equifax has to remove fraudulent accounts and block them from reporting
Consumer complaint received 2017-07-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MN)

I took out private student loans from XXXX XXXX when I attended college between XX/XX/XXXX-XX/XX/XXXX. I had 4 loans from them, which they had separated into two groups. I have been paying the two groups separately assuming each payment would be applied to the " loan group '' I was making the payment for. <P/>Long story short, I was paying over the amount due to each group, assuming the overpayment would applied appropriately to each group. I have recently discovered that was not the case, they were combining the payments and not applying them the way I believed they would be applied. Example I owed {$200.00} on group a, and paid {$230.00} to loan group a, I owed {$250.00} on group b, and paid {$270.00}. In all they combined the payments to total {$500.00}, and applied only the owed amount ( some cases slightly over ) to group a, and the rest to group b. <P/>My question here is : Can they combine, what I believed to be, 2 separate payments and apply it as they deem fit? I have been paying these loans back since XX/XX/XXXX and have barely made a dent in two of them, one is paid off and another is about to go over the original term agreement for repayment, which I believed would not be an issue because I had been paying over the amount owed each month.
Consumer complaint received 2017-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: Continental Finance Company, LLC (SC)

Around XX/XX/XXXX i began to fall behind on my payments. I was going through problems at work witch led to me resigning my position on XX/XX/XXXX. I then filed a state and federal descrimination charge witch did not get officially filed until XX/XX/XXXX due to backlog in the state. Due to resigning my position i had to appeal in order to receive unemployment due to the descrimination and other illegal actions taken by my employer i was found eligible to recieve benefits XX/XX/XXXX this also took so long due to state baglog. After searching for the forms for weeks for Continential Credit Portection i finally printed the document and sent in not only the requested information but a very detailed log of what happened with printed court records marked confidential so they could understand why there was a delay in filing for credit protection. I now receive a letter that states credit protection is declied because i was not billed for it during the date of loss. This is inccoret i still am billed every month for FEES, CREDIT PROTECTION, A XXXX DOLLAR PER MONTH ACCOUNT MAINTENANCE FEE. The balance on the account has exceeded my credit line by double in less than 6 months just in fees.
Consumer complaint received 2018-01-02
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

I have been a loyal card member of Capital One. I recently in XX/XX/XXXXreestablished an account with Capital One. I have an old account from XX/XX/XXXX. Back then I had lost my job and failed my financial obligations therefore Capital One made a mutual decision to close my account. Back then I did n't realize how important credit was but I do now. Capital One is my oldest account & there are several inaccuaries reporting on all 3 major Credit Reporting Agencies ( XXXX, XXXX, & XXXX ) First, on all 3 Credit Bureaus it shows the same account # ( XXXX ) Next, we will get to the route case of this Email ( Payment History ) As you know Payment History makes up for 35 % of a Consumer 's Fico Score & without that Information its is inaccurate A brief look at my account will reveal I have successfully made on time payments since establishing the account. 

Let 's start with the most recent Capital One Account ( XXXX ) Opened XX/XX/XXXX XXXX ( Does n't show XX/XX/XXXX Current Payment Status ) XXXX ( No XX/XX/XXXX Current Payment Status ) Transunion ( No XXXX Payment nor is is reporting XX/XX/XXXX Payment ) Finally let 's discuss Capital One Account ( XXXX ) Opened XX/XX/XXXX XXXX ( Paid as Agreed but no 24 Month Payment History ) XXXX ( 24-Month Payment History starts XX/XX/XXXX until XX/XX/XXXX its missing prior to XX/XX/XXXX as well as XX/XX/XXXX Current Payment Status ) XXXX ( Missing XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX as well as after XX/XX/XXXX Current Payment Status ) For the older account they both are Revolving so without that Information is in inaccurate. 

I do n't need to let you know that without updated this Information you are not in compliance violating my FCRA 609, 611, & 623 Consumer Rights. Please update this within 30 Days. The next step will be to followsuit with the BBB & my Attorney General 's Office which entitles me to {$1000.00} per Violation I sincerely hope Kohl 's believes in their customers and I humbly request to update this Information. I appreciate your time and look forward to receiving a favorable decision from you department soon.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2017-07-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (FL)

- I am in the military as a reservist and ended up going on  XXXX   XXXX  for a period of time  XXXX ,  XXXX  and  XXXX  while  Chase  held my mortgage loan.    JP Chase  had my mortgage with an interest rate of 5+ but under  6  percent.    JP Chase  offered to lower my mortgage interest rate to  4  percent which they advised they do for all service members that end up on  XXXX   XXXX  orders. Soldiers & Sailors Relief Act I just received a letter from the IRS that I owe money for unreported income  JP Chase  NEVER EVER advised that while they lower your mortgage interest that they report it as income at the end of the year.   -- what would be the purpose of having your loan reduced if they are going to slam you at the other end. The  1099 Miscellaneous sh ould have been a 1099C ( debt reduction ) as they are saying they are offering the military a benefit.  <P/> This is outrageous and not explained by the folks you speak with on the phone.   Chase offers themselves to be such a military friendly organization. You submit your orders and that is all they require.  <P/> I do n't feel that I had unreported income, this was an offer on their part of offset a debt.  <P/> /r  XXXX   XXXX   XXXX
Consumer complaint received 2022-11-18
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items, listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$5600.00} XXXXXXXX XXXX XXXXXXXX Balance : {$5500.00} XXXXXXXX XXXX  XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXXXXXX XXXX Balance : {$1300.00} XXXX XXXX XXXXXXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX