davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A. (PA)

I in the past used the XXXX app as an additional savings program. At some point months ago, Pnc decided that they would no longer allow access. I have contacted Pnc to help with this issue and in essence got the sorry not sorry response via social media ( the only way I actually got a response ). 
They have inhibited me from accessing my funds in the way that I choose. I have attempted to log in with a in place security measures and still am not being granted access.
Consumer complaint received 2020-04-29
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. (WA)

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 60 ) days late and also reporting a collection/chargeoff I the amount of {$5200.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a XXXX dollar balance. This false reporting of not only lates but a collection/chargeoff on an account with no outstanding balance, is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-10-06
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SELECT PORTFOLIO SERVICING, INC. (VA)

On or about XX/XX/XXXX, my deceased husband XXXX XXXX executed a promissory note as the sole obligor that was given to XXXX XXXX XXXX XXXX as the lender, and to secure said promise to repay, my late husband and I both executed a deed of trust dated the same. 

With the first payment made towards the foregoing transaction in the year XXXX up until or around the year XXXX, my credit profile never reflected said transaction for which only my late husband was an obligor. Proof that I was never an obligor for said transaction is demonstrated within a correspondence dated XX/XX/XXXX from XXXX XXXX XXXX  ( " XXXX '' ) as the mortgage servicer, addressed to both myself and US Senator XXXX XXXX that is attached hereto as Exhibit 1, wherein XXXX clearly stated that a " ... review of this loan has found that you are not a co-signer on the Note for XXXX XXXX 's ' loan. Since you are not financially responsible for this loan, we are unable to consider you for a loan modification .... ''. 

Upon Select Portfolio Servicing ( " SPS '' ) becoming the servicer for said transaction in or around the year XXXX, SPS begin reporting said transaction to the credit bureaus as if I was an obligor when I never executed the original note as an obligor as demonstrated within XXXX 's XXXX correspondence ( See Exhibit 1 ). Furthermore, in the year XXXX I discovered that either Chase or SPS caused my name and signature to be authored and forged upon a note instrument filed with the U.S. Bankruptcy Court for the XXXX  District of Virginia in Case No. XXXX ( See Exhibit 2 ), followed by the forging of both my name and late husband 's name upon a modification dated in the year XXXX ( See Exhibit 3 ), which neither one of us requested or needed at the time. 

Lastly, to avoid the foreclosure of my home, I was pressured into executing a predatory - unconscionable modification created by SPS that is void of a break down of my payments towards principal and interest, and consisting of a balloon payment. Furthermore, SPS created an escrow account for both hazard insurance premiums and real property taxes when the latter was exempted by XXXX County since XXXX as seen within Exhibit 4.
Consumer complaint received 2021-10-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I have been showing three hard credit inquiries on my credit report with all three major credit agencies including XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, with XXXX credit reporting ... ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, all with Transunion Credit Reporting agency and XXXXXXXX XXXX XXXX, XXXX XXXXl XXXX XXXX XXXX all with XXXX XXXX XXXX XXXX.I have never filled any applications out with these companies nor have I ever provided a authorized signature with any of these companies to run my credit as these need to be removed from each credit agency accordingly and in conjunction with the FCRA.Will you please help me get these removed from all three credit reporting agencies as I did not authorize any of these inquires? Thank you for your help and time in resolving these matters. XXXX XXXX
Consumer complaint received 2021-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX XXXXXXXX. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'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 bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal 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 XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-20
Product: Credit reporting 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 recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX-Balance {$0.00} XXXX XXXXXXXXBalance {$0.00}
Consumer complaint received 2020-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CMRE Financial Services, Inc. (TX)

I contacted CMRE financial on today because there was an account placed on my credit for {$130.00} balance obliviously from when I was seen by XXXX XXXX XXXX for the XXXX bill. This was said to be paid by my insurance XXXX. The account obivously had a balance on it of the {$130.00}. When the first representative got on the phone before asking me anything immediately placed me on hold and transferred me to another very rude and unprofessional representative who spoke to me as if I was a child or had broken some type of law. She was very degrading and down talking. I tried to explain to her that I was not aware of the balance or had I received any type of communication of such. She did not give me any options to resolve this matter and stated that it would not be removed from my credit. I have worked very hard and as a XXXX XXXX to maintain and keep my credit in a very good standing. Also pursuant to Texas law medical bills should not be reported to your credit report at this time. This is a direct violation of my consumer rights. I have reordered the conversations of how I was treated and attached them below. If this is not removed as I would like to resolve it I will be forwarding to my attorneys office immediately. THE FDCPA has standards to how a consumer should be treated and I feel as if my rights pursuant to the FDCPA has been violated. I am also forwarding a copy of my complaint to the California AG 's office.
Consumer complaint received 2020-04-29
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. (WA)

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 60 ) days late and also reporting a collection/chargeoff I the amount of {$5200.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a XXXX dollar balance. This false reporting of not only lates but a collection/chargeoff on an account with no outstanding balance, is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-04-29
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: EQUIFAX, INC. (FL)

By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
Consumer complaint received 2020-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/2020 XXXX all 3 bureaus ) 60 days late as of XX/XX/2020 XXXX all 3 bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me
Consumer complaint received 2018-06-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MB FINANCIAL, INC. (NY)

Shameful business practices and customer service. For the past six months I have been trying to pay my mortgage on time and within their grace period, and every month their website mortgage login system is not functioning. When I call them or email them to correct the issue ( XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX ) they claim they are updating their website. Paying through there automated phone system is just as bad as it does not register the account number that I input over the phone. All of this has resulted in late fee charges of over {$80.00} that are a result of their systems! With no appeal or arbitration system in place, they expect me to pay the late fees without question. With no information as to how and when they will fix the issue, I remain in constant fear they will continue to add late fees without justification. More than 30 other MB Financial customers have experienced similar problems with their customer service and practices as you can see by the link. ( XXXX XXXX XXXX XXXX ). Thank you for taking the time to review my claim.
Consumer complaint received 2018-02-22
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. (IL)

Despite four written requests, the unverified items listed below remains on my credit report in violation of Federal Law. Equifax is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their investigations, Equifax stated in writing that the account verified that the items are being reported correctly? I received no written verification of who verified these accounts? Equifax did NOT provide me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Equifax also have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). As such under Section 611 ( 5 ) ( A ) of the FCRA Equifax is required to promptly DELETE all information which can not be verified. yet they have not.
Consumer complaint received 2020-06-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN ADJUSTMENT BUREAU,INC. (MA)

On or about XX/XX/20 my husband and I both received medical bills from XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$27.00} and {$200.00} ). Both bills were paid in full on or about the same date from our HSA at XXXX by check. Both checks had the correct acct # on them and were cashed. We received another bill the following month showing these amounts still outstanding. I made phone inquiry and was advised to send the canceled checks to XXXX @ XXXX  which I did. She advised that she could not make the correction but would send it up the chain. I was told it could take up to three months but since they had the canceled checks it would not be sent to collections. I continued to follow up periodically and the same assurances were made. On XX/XX/2020 my husband and I both received letters from a collection agency, American Adjustment Bureau Inc. claiming {$7.00} and {$52.00} were due. Our online accounts show : a " XXXX XXXX XXXX '' credit and " Bad Debt Collection '' amount due in the same amounts as the letter. We have both submitted a written dispute with supporting documentation. I'm certainly frustrated with the process and concerned about how this will affect our credit. I'm also concerned others may be facing the same problem.
Consumer complaint received 2020-06-30
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: College Foundation, Inc. (NC)

In XX/XX/2020 I called to get a deferment and was giving the run. I was told that I received one several years ago and was not allowed another one basically giving me the run around. Then the pandemic hiy and I have since called on several occasions and can't get through. I understand the pandemic we are living in however I received a letter XX/XX/XXXX advising that my payments will resume and they have nothing to do with COVID-19. Unfortunately a lot of people are struggling during this time its hard enough trying to keep a roof over my head, food on the table and clothes on our backs. I need a deferment and I can't believe during this time College Foundation is using unfair practicing to either force people to pay or ruin their credit. They love to send stuff to the credit bureau that's another topic all by itself also.
Consumer complaint received 2022-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AR)

I have been reviewing my rights and my consumer reports lately, and have come into quite a bit of knowledge I did not know prior. My issue is with account reported, as during the time the account was opened, I did not know the law or my rights as a consumer. This will be sent to the attorney general 's office as well. My complaint is with the following reported account : -JPMCB # XXXX Under Federal Law, violations occurred via 15 US Code 1601 due to the following reasons : -In XXXX of XXXX I made an uninformed credit decision with XXXX XXXX XXXX bank XXXX regarding this particular credit decision. 
- I now know, that at the time the notice of debt by agreement is now null and void due to the fact that I made a uniformed credit decision. 
- the law states that " adequate notice '' should be a printed notice stating facts " clearly and conspicuously '' where a person could notice and understand its meaning. That was never provided to me either.
Consumer complaint received 2018-06-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Overton, Russell, Doerr and Donovan, LLP (NY)

I have been paying bill for several months and when I looked at my credit score,  Overton, Russell and Doer filed a credit complaint with one of the three credit reporting agencies. It said I owed XXXX $ which I do not owe. I received a letter ( attached ) that my insurance information had been hacked from XXXX XXXX. I called to notify Overton Russell and Doer ( ord ) but no one got back to me. My credit score went from XXXX to XXXX overnight. I need help with this communication snafuu. 
Thank you
Consumer complaint received 2020-04-29
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: EQUIFAX, INC. (AR)

I decided to get my credit pulled due to a couple of collection letters I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2020-07-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC. (MS)

Contacted company on XX/XX/XXXX about account owed, amount XXXX, asked rep to to settle at 75 %, was told can only settle at 55 % for {$300.00} or 50 % at XXXX, told me it would reflect on credit report as settle in a lesser amount, asked to if settle amount of XXXX could be accepted, Rep.said no only XXXX and removing from credit report today would only be accepted These amounts do not add up, unfair and un reasonable amounts, percents are incorrect. 

This account is a auto insurance policy that was cancelled in XXXX
Consumer complaint received 2020-07-15
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Reliant Capital Solutions, LLC (FL)

No debt was ever owed to XXXX. In XXXX, XXXX mishandled all student loans as well as all tuition fees and costs. XXXX also promoted a hostile environment and a very unhealthy cancel culture. 

Aside from all of that, the referenced account that was mishandled by XXXX was opened XX/XX/XXXX and the DATE OF LAST ACTIVITY on that account was XX/XX/XXXX. 

BOTH DATES ARE MORE THAN SEVEN YEARS OLD AND THE FCRA BARS ANY NEGATIVE CREDIT REPORTING OF THIS XXXX  MISHANDLED ACCOUNT. 

Any and all federal student loans have been forgiven by the U.S. Department of Education due to permanent and total disability as of XX/XX/XXXX. There is no balance due on any federal student loan. 

XXXX placed a fraudulent claim with Reliant. 

Reliant is in VIOLATION of the FCRA by reporting negative and disputed information after the expiration of 7 years from the date of last activity.