davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-13
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (GA)

I have communicated with the company that I am unable to pay {$970.00} per month, as my financial situation does not permit me to pay that much per month. I have asked for options. They asked me to contact them via phone. I contacted them via phone. The option that was made available to me was to pay more per month to shorten the amount of payments on the loan. This is unrealistic, which is what I communicated to them. I asked for income-based payments. I was denied. I reiterated to them that I would be unable to pay the full amount per month, but would pay what I could when I could. 

The following is a list of days that the company has contacted me since XX/XX/year> : XX/XX/XXXX XX/XX/XXXX ( three times ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( twice ) XX/XX/XXXX XX/XX/XXXX ( twice ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( twice ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( XXXX XXXX ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( twice ) XX/XX/XXXX They have also begun to contact extended family members ; there was no communication with them from me about extended family phone numbers. They have also contacted a family member from an old friend that I am no longer in contact with. I have asked them to not contact any person associated with me. These requests were ignored. 

Since I began to not be able to pay the monthly bill, I have been contacted by XXXX different numbers from the same company. Those numbers are available on request.
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NY)

LETTER!! 

15 US Code 5168cXXXX XXXX reporting agency that beck the reporting of any information in the of a comer that the consumer entfestion that from an alleged identity theft, not later than 4 busness days after the date of receipt has been 30 days and you are in VIOLATION of this law because I am a victim of destry the Please delete these items IMMED These accounts should not be famished on my consumer report as they are Under, 15 US Code 1181b Persible purposes of consumer reports tal c to subsection any consumer reporting agency may furaha mere following crcumstances and no other ( 2 ) in accordance with the WRITTEN INST come to whom it relates XXXX XXXX XXXX comme reporting agency WRITTEN CONSENT repert anything on my consumer report which violates my rights as a federal protected NO CONSENT IDENTITY THEFT. As a demanding the deletion of the courts Isted IMMEDIATELY
Consumer complaint received 2020-01-29
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION (OK)

Hello, M & T Mortgage has given me the run around. I have a VA loan and I am also working with a HUD Housing Counseling Agency. I was out of work and since XX/XX/2019 I started a new job. I have resolved my reason for delinquency and have provided the mortgage with all required documents. I have since XX/XX/XXXX have been told that they do not have my paystubs and then the reprehensive that I speak to finds them and then tells me they have everything. This is every day since XX/XX/XXXX. I was told on XX/XX/XXXX that my file would be escalated to the Intake Department. I am still getting told they do not have my paystubs to this day and then told they have them. My housing counselor was also told that there is not a required timeframe for follow up concerning the escalation. So in other words they are stalling and not communicating to me or my HUD housing counselor what is going on with my file and are telling us that there is nothing we can do about it and that we are not able to speak to anyone to get the issue resolved. My housing counselor also requested to speak to the office of the president and was denied. The mortgage company is not helpful and will not provide accurate information to help mitigate the issue. Please help. If this is happening to me I assure you it is happening to thousands of others. I have also reached out to the VA and they are trying to help with the issue but any additional help would be helpful. The lack of communication between mortgage companies and borrowers is completely out of hand and should be addressed.
Consumer complaint received 2024-02-12
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P. (MA)

LVNV purchased an assumed debt ( {$800.00} ) and attempted to collect it since XXXX, XXXX. I exercise my right to opt out of any contract they or any previous holder of said debt may have had or attempt to have with me per 15 USC 6802. LVNV sent my personal information to XXXX, XXXX and XXXX, without my written, unwritten, verbal or non-verbal consent violating my right to privacy per 5 USC552a The Privacy Act of 1974. It is illegal for them to report my transaction history ( not excluding late payments, fees or otherwise ) per 15 USC1681a and 16 CFR 433.2. When I had disputed their fraudulent attempt at debt collection, they did not comply and recently illegally reported more of my personal information as recent as XXXXXXXX XXXX to credit bureaus without my written, unwritten, verbal or nonverbal consent. Further violating my rights to privacy per 5 USC552a The Privacy Act of 1974. Ultimately XXXX, XXXX, and XXXX are violating 15USC1681 which requires the removal of all items currently in DISPUTE, of which all accounts under LVNV associated with me are currently disputed.

In LVNV 's own privacy policy they state : Consumers have " Right to Opt-Out of the Sale or Sharing of Personal Information '' and yet have not done so.

Last but not least LVNV is falsely representing themselves as the debt collectors when they state on their own privacy policy they are in fact a financial institution that purchases and sells consumer information for profit. This is in violation of USC 1692e..
Consumer complaint received 2021-08-27
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. (GA)

I sent you a letter regarding inaccurate things on my credit report on but to this day more than 60 days have passed, but I still got no response. I was told that FCRA obligates you to investigate these negative items within 30 days and remove them if nothing is found, but it has been over a month now, and your inaccurate reporting still affects my credit nor i get response from you. Apparently, you are ignoring my disputes. I demand these accounts be deleted immediately or I will file for litigation due to all the troubles you caused me. My information was impacted by Equifax data breach and may got into hands of the wrong person
Consumer complaint received 2023-07-18
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. (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 Equifax 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 dis
close 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. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number XXXX XXXX Delete this account. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current
Consumer complaint received 2023-07-18
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. (FL)

A recent dispute for inaccurate information by a furnisher XXXX XXXX results stated it was certified as accurate and remains unchanged on my consumer report. I have disputed this account with you and the furnisher multiple time and yet it remains unchanged and inaccurate. I have provide documentation that shows the information been furnished is in fact inaccurate, such as the payment history, actual balance, date of account closure and account status. I DEMAND THIS ACCOUNT BE REMOVED FROM MY CONSUMER REPORT as I have dispute this account multiple time to correct the inaccuracy and and you have failed to do so. PLEASE REMOVED THIS ACCOUNT FROM MY REPORT.
Consumer complaint received 2023-07-18
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. (IN)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Delete this account. 
15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX XXXX XXXX Delete this account. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2024-02-07
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: RoundPoint Mortgage Servicing LLC (CA)

I requested the previous lender, XXXXXXXX XXXX the removal of PMI providing my home had reached 78 % XXXX which the did. XXXX months later they sold the loan to RoundPoint Mtg back in XXXX of 2023 and they reinstated the PMI. I cant get a hold of them on the phone and I requested the PMI to be removed in writing. I have not hear anything from them.
Consumer complaint received 2023-07-18
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (KY)

I am in bankruptcy and Mr cooper my mortgage company has been screwing up my life since before I was ever in bankruptcy. I missed a month and a half on my mortgage payments, the month and a half I missed was on XXXX and XX/XX/2023, I missed a full month in XXXX and half a month in XXXX and now they have filed a motion hearing for XX/XX/2023 for I think its called a motion to stay so they can take my house. I do not receive any mail from them because they have to Send it to my bankruptcy trustee apparently. I didnt even know there was a hearing until a week prior to the hearing date and the only reason I found out was because I called in to get a mortgage statement and a lady asked me if I knew about the hearing coming up, which I didnt and I also couldnt get a simple mortgage statement from them. My mortgage payment is {$790.00} a month. I could be a few dollar off on the monthly payment but thats just about accurate. I am being so mistreated as a veteran who served this country and Im trying everything I can to keep my home and pay my monthly payments. They also held my money from me that my insurance company sent for me to fix the roof on my house because I had storm damage, my roof is now exposed and inside of my house is leaking because they wont release my funds for me to fix my roof. There are so many things I could put in this complaint but Id rather explain it to whomever I am reporting it to because I cant type it all, my phone number is ( XXXX ) XXXX. Thank you, XXXX XXXX
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2023-07-19
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (CT)

I was informed by my mortgage lender that Nelnet reported XXXX student loan debts in my name. One loan was reported in XX/XX/2023 in the amount of {$47000.00}. The second loan was reported in XX/XX/2023 in the amount of {$71000.00}. The {$47000.00} loan was reported inaccurately by Nelnet and is part of the {$71000.00} student loan. I contacted Nelnet by email and disputed the report. I also spent approximately XXXX hours on the phone this evening with Nelnet. The representative at Nelnet said that Nelnet is aware that the amount was reported inaccurately as they have received other complaints from other consumers as well. However, Nelnet refused to provide me with a letter stating that Nelnet inaccurately reported my student loan debt. I am in the midst of closing on a mortgage and the lender will not allow the loan to close without Nelnet addressing this issue in writing. I have sold my house and as of this Saturday, XX/XX/2023, I must vacate my current residence and I will be HOMELESS with XXXX dogs until Nelnet corrects their error or at least provides me with a letter clarifying that they made an error in reporting my student loan debt. I explained to the rep at Nelnet that I am XXXX and will not have housing after this Saturday because of Nelnet falsely reporting, and failing to correct, the inaccurate report made by Nelnet to all of the credit bureaus. Nelnet 's response was that it could take up to 60 days for Nelnet to correct their credit reporting error. Therefore, I will be homeless for XXXX plus days?!?! This is unacceptable! I am seeking assistance in getting this matter resolved quickly in order to help me, as a XXXX adult with a XXXX XXXX, retain stable housing.
Consumer complaint received 2024-02-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Guglielmo and Associates (NV)

A collector sent me written notification that attempts to look like a court document. Its left border is numbered in the format of pleading paper, for example. It also has a header reading the name of a court and its area ( " XXXX XXXX, XXXX XXXX XXXX XXXX XXXX NEVADA ) XXXX along with a case number. It also reads a plaintiff name versus my name as defendant. 

The document does offer a " THREE DAY NOTICE OF INTENT TO FILE DEFAULT '' subheader, but it appears very apparent that the collector is attempting to make the document appear as an actual court document. It's also apparent that the collector is using this method to deliberately mislead and compel recipients to believe they have no other choices. 

I find this to be an attempt to deliberately mislead and believe it violates law. There are other questionable practices by this same office.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2023-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP (NC)

I got a secured credit card with Us bank, I put XXXX dollars in the account was trying to build my credit and suddenly they closed my account without previous notification affecting my credit score for XXXX XXXX. So I called them to see whats going on, they said they cant verify my identity. So I sent them a copy of My driver license and social security, They never fix the problem, so I called them to Send my secured deposit back, and they refused to do it. So Im feeling discriminated because Im XXXX, they assumed the person on the the account its not me.
Consumer complaint received 2019-09-23
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. (GA)

As stated in prior letters and to the complaint to the CFPB, I have not requested validation, but VERIFICATION or a signed ( which can be electronic ) document bearing my legal signature I opened this account because this account was opened fraudulent by a person living in Alabama with SSN XXXX. I have additional accounts with XXXX XXXX  and all have stellar payment history. Further, with the letter included, the fraud department agrees there was third party use of this account. 

As requested, I have contacted XXXX XXXX XXXX and have requested ANY signed documentation showing I established this account and they have not been able to provide any details beyond billing statements. This alone and the reason I continue to protest this account is because it is damaging my credit rating and shows the clearest sign of fraud as I have never lived at the address where this account was opened, where the first billing statement was mailed, or in Alabama since 2004 after XXXX college. 

Since this account was turned over to XXXX XXXX XXXX as you stated, I respectfully request for XXXX XXXX to remove this account from my Equifax credit report and allow me to deal directly with them to resolve this account.
Consumer complaint received 2024-02-07
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NJ)

On XX/XX/XXXX, I opened a 1-year CD account with Citibank online . I funded the account {$25000.00} by transferring from an external account. The account matured on XX/XX/XXXX. 

On XX/XX/XXXX, I closed the CD account through online customer service. I was told the balance of {$26000.00} would be issued as an official check and sent to my mailing address on the file. 

I didn't received the check. 

On XX/XX/XXXX, I contacted their customer service over phone. They could not answer any of my questions, only asking me to go to a Citi branch. I went to a branch on the same day. The banker said he requested for reissuing the check and told me to wait for the check. 

On XX/XX/XXXX, I received a letter from Citi, saying they completed their research, reissued the check and sent to my mailing address. 

But again, I never received the check. 

On XX/XX/XXXX, I went to the same Citi branch. I was told there was not much the branch could do, since I opened and closed the CD account online. The branch manager said he escalated the issue to their back office and asked me to wait for another week. 

On XX/XX/XXXX, I contacted the branch manager for updates. He told me the issue had been escalated. He said there was some ongoing issue with back office closeouts of accounts issuing checks. 

On XX/XX/XXXX, I contacted Citi customer service over phone. They could not provide any updates or estimates about when the issue will be solved. 

It has been more than 2 months since I closed my account, and I still haven't received the fund. They said they would send the check by mail, but I never see any check coming. I received other letters and tax documents from Citi, so they have the correct mailing address.