davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (TX)

Consumer Complaint, Credit Report Complainant : XXXX XXXX, Consumer Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone No : ( XXXX ) XXXX Agency : XXXX   and XXXX Report Date : XX/XX/XXXXCollector : Navient Address : XXXX XXXX XXXX XXXX, IN XXXX Phone No. 
( XXXX ) XXXX Creditor : XXXX XXXX, Dept. of Education Account Nos. : XXXX and XXXX This complaint is about the account above and the reporting of the collector, Navient Solutions. I am XXXX XXXX, the debtor and Complainant in this complaint. Despite the regulations Navient is obligated to abide by and my own conversations with Navient regarding their reporting, all attempts to rectify the situation have been unsuccessful. This has made it necessary for me to file this complaint. 

The basis of my complaint is simple. I have submitted an Application for Discharge and Forgiveness based on my XXXX to the U.S. Department of Education, the creditor, along with XXXX XXXX, on this account. According to the rules stated by the Department of Education, third parties are to discontinue all collection efforts while the application is being considered. This includes negative reporting on all credit reports. 

Despite this Navient Solutions continues to report this as a seriously past due collection account on all three reporting agencies. During my last conversation with Navient their representative led me believe that the derogatory reporting had ended. The conversation was odd in that the agent began to argue with me then told me that the accounts were being reported as current. Based on the response I received when I asked for confirmation of this, I believe the Navient representative was being intentionally vague and deceitful. 

A review of my credit report shows that XXXX XXXX, the owner of my account, is reporting these accounts as Paid as Agreed with no negative comments. The XXXX XXXX account numbers are Identical to the Navient Solutions account numbers. XXXX XXXX is reporting these under open accounts, not as derogatory accounts, as Navient is reporting. I have done a bit of research on Navient Solutions and it appears that they have a history of bad faith dealings with their account holders. 

I appreciate any help I can get with this problem. 

I am attaching to this complaint the pertinent documentation, which includes XX/XX/XXXX reports from XXXX and XXXX and my Application for Discharge and Forgiveness, my own cover letter to the application and the Email confirming the Dept. of Educations receipt of the application including the date submitted.
Consumer complaint received 2018-01-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Quality Recovery Services, Inc. (GA)

Derogatory collection on credit report - XX/XX/XXXX Harassased and threatened that interest would occur and that my credit would become even more damaged - XX/XX/XXXX XX/XX/XXXX - XX/XX/XXXX - Spoke with leasing manager of original creditor. No record of me being a tenant at the apartment complex, therefore she could not find if there any debts owed by me or if there were any debts at all. I contacted the 3rd party debt collector who then informed me in a passive aggressive manner that it did not matter that the original creditor could not locate any records.
Consumer complaint received 2018-04-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (OR)

Last 4 of SS # is XXXX XXXX XXXX who I have some accounts with that are past due because of a couple unexpected expenses ( water damage at apartment and personal family issue ) that cost me extra money I really didn't have and caused me to get behind on payments and bills. XXXX calls my cell phone and my daughter 's cell phone ( we don't have a home phone, only cell phone ) constantly especially my daughter 's phone every single day multiple times a day from SO many completely different phone numbers coming from different locations. We don't answer numbers we don't know and we are usually at work when they call. Have looked up the numbers to find they are all comenity and see comments from tons of people saying they get several calls a day too from different numbers and leaving the same exact threatening messages they leave me too. Sometimes they leave a voicemail ( always a different person, same message ) threatening me that an urgent matter has been placed with them and if I don't call by that same day by XXXX then they will be escalating the matter even further but they never do, different people just keep calling and leaving the same exact message again. Has been happening over the past 2 to 3 months. I have sent messages to comenity asking them to please stop calling our numbers and that I am aware of the accounts and that I got behind and will have to make smaller payments right now. They do not comply with my request and continue to call and leave messages constantly. They are trying to annoy and harass people probably until they can't take it anymore and looking up complains, this happens to so many people. I have been so stressed because of money issues etc right now all these people calling are making me more stressed. I wouldn't even want to try and talk to them because I have a feeling they would threaten me when talking to them and I can't deal with that right now. They even called a home number of my ex husband that I haven't been with in over 20 years and left a voicemail for me on his answering machine ( he did the greeting for answering machine so they heard it was man at that resident and not me ). He told and asked my daughter about it and what and why they were calling and she told me, she told him she didn't know. It's embarrassing for them to be contacting and leaving messages for other people that I don't even have contact with or live with. I don't live with any other relatives or spouse, just me and my daughter. Again I told them I can start making smaller payments for right now until I get back on track and can get caught up, at least it will be some kind of payments. They can contact me by email or mail, I just really want and need them to stop calling numbers. It's getting to be way to much, harassing and streasful. I was going to send them written letter but figured they probably still wouldn't stop, I don't know what else to do.
Consumer complaint received 2018-01-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. (KS)

Hi, On XX/XX/2018 a {$25000.00} wire was sent to Coinbase.com. The wire was rejected due to the account using my middle name, which i go by, instead of my legal first name. The wire was supposed to be reversed and received by my bank within 7 business days ( which already is a ridiculous wait period ). It has been over 7 business days already and we still have not seen anything or received any correspondence from the company.

I can provide detailed information on the wire sent to coinbase.

Amount : {$25000.00} Date : XXXX/XXXX/18
Consumer complaint received 2018-01-29
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

Ocwen Loan Servicing has reneged multiple times on both written and verbal agreements that we have had since Harvey flooded my home in XX/XX/XXXX. I have yet to receive a single cent from the advance or final payment from my structural insurance checks. The construction on my home is 75 % complete. The original written and verbal instructions stated that I was to hire the contractor directly and that Ocwen would endorse my advance check, return it to me for deposit, and I would pay the contractor directly. I have documented 16 phone calls over 4 months. On XX/XX/18 XXXX XXXX told me that they have all required paperwork and Ocwen will immediately cut a check for my receipts. Subsequently, and in repeated phone calls, I was told that the " exception '' was rejected and that a committee has decided to release only {$40000.00} to me. As of XX/XX/XXXX, not even that check has been sent, even though I paid extra, via personal check to expedite it.
Consumer complaint received 2018-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FORD MOTOR CREDIT CO. (LA)

This account was opened in XX/XX/XXXX and is still reappearing on my credit report. Please remove this Auto Loan from credit report. Thank you. 
Unfortunately, I do not have any documentation and/or billing statements and receipts at this time. 



XXXX XXXX XXXX Account NameXXXX  XXXX XXXX Account NumberXXXX Account TypeAuto Lease ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusClosed. 
Status UpdatedXX/XX/XXXX Balance - Balance Updated - Recent Payment Amount - Monthly Payment {$0.00} Original Balance {$15000.00} Highest Balance {$0.00} Terms NA On Record UntilXX/XX/XXXX
Consumer complaint received 2024-08-14
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: EQUIFAX, INC. (CA)

Upon review the files, it comes to the attention that there is an Unauthorized Account information about a XXXXXXXX XXXX Account # XXXX with the balance of {$4900.00} ( XX/XX/year> ). I have No acknowledgment nor given consent permission to anyone in the institution to use my personal information to obtain or open the account to made unauthorized charges. I have reach out to the institution regarding about this matter and made sure the account open without my permission to be closed, remove and delete. As a Matter of rights under FCRA law to be in compliance, furnish-er of False information must provide any documentation that bears its original owners signature authorization and consent within 5 business days, failure to do so in the essence of time period must have the false information delete or remove before the matter is taken to the court because of Predatory Practice by the institution and the furnish-er of False information. Please taken step necessary to remove and delete prevent any account opened under owners personals information without permission nor consent.
Consumer complaint received 2018-04-11
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: I.C. System, Inc. (DE)

XXXX XXXX XXXXXXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, MN XXXX has reported a Collection account in the amount of {$1100.00} showing past due as of XX/XX/2018 on my credit report. I disputed this account with the credit bureau and XXXX XXXX XXXX XXXX refuses to remove it from my credit report. I called XXXX XXXX XXXXXXXX XXXX to advise the debt belongs to my son at the same address however with a different social security number, I offered my my social security number or my son 's social security number for verification and they stated it wouldn't matter because they don't have a social security number on file to verify. My son 's age is XXXX and my age is XXXX with different social security numbers. I have no other information to give them for verification and really don't think I should have to waste more time on this. This is egregious and I want this debt removed from my credit report immediately.
Consumer complaint received 2018-04-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GRANITE STATE MANAGEMENT & RESOURCES (IL)

For years now I have been trying to get this GRANITE STATE MGMT removed from my credit. I have never had an account with them. I have never made any payments. I have never been late. I have had 0 contact or association with them. And the credit agencies have failed to show a written signature agreement between me and this company. This debt is clearly fraudulent and I want it gone from my credit. I am fed up. I have years of documentations to back my claim. The next step is my lawyer.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I have already filed a complaint with the three credit bureaus regarding negative items on my credit report. However, my complaint was ignored, and I was wrongfully accused of using a third party to submit it, despite providing my personal information. I want to make it clear that I personally submitted the complaint. If my complaint is disregarded again, I will pursue legal action against the bureaus for violating my rights. Additionally, I demand compensation for the damage they have caused to my life.
Consumer complaint received 2018-01-26
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Good afternoon, I am making a dispute against XXXX XXXX XXXX , Bank of America And XXXX XXXX XXXX for making a hard inquiry against my credit report. I believe I was sent a pre-approval offer letter from These banks to me in the mail and was told that ANY pre-approved offers should be reported as a soft inquiry. However, there was nothing soft about this inquiry. This hard inquiry, along with a few others, has in fact ravaged my credit score, causing my credit score to plummet from a XXXX excellent score to a XXXX. Being that I was considering of getting a mortgage loan in a few months, these hard inquiries will not look good to bank and other lenders.
Consumer complaint received 2024-08-14
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: EQUIFAX, INC. (GA)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the handling of my credit report dispute by XXXX XXXX, and Equifax. Despite my efforts to resolve inaccuracies on my credit report, I have encountered several issues that I believe warrant further investigation by the CFPB. 
Background : On XX/XX/year>, I submitted a dispute to XXXX XXXX, and Equifax regarding inaccurate information on my credit report. The items in question were not properly verified, yet the agency concluded that the information was accurate. I am concerned about the thoroughness and accuracy of their reinvestigation process. 
Details of the Complaint : XXXX. Inadequate Verification Process : Despite my detailed dispute, the credit reporting agency failed to verify the accuracy of the disputed information adequately. The verification process seems to lack transparency and thoroughness, which raises concerns about its compliance with the Fair Credit Reporting Act ( FCRA ).

2. Lack of Detailed Verification Methods : I requested a detailed description of the verification methods used by the credit reporting agency, including the specific procedures, sources consulted, documentation reviewed, and criteria for validation. However, this information has not been provided, despite multiple requests.

3. Timeline of Investigation : There is a lack of clarity on the timeline of the investigation, including key dates and actions taken during the process. This lack of transparency hinders my ability to understand how the investigation was conducted and whether it adhered to FCRA requirements.
Consumer complaint received 2018-01-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Client Services, Inc. (IL)

This company keeps sending me correspondence advising me of a debt they claim I owe. The letter did not include name of original creditor or any identify data. I believe I do not owe this company anything. I want them to stop. 
The letter with no information on a debt may be out of compliance with FDCPA.
Consumer complaint received 2024-08-14
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: EQUIFAX, INC. (OH)

I am writing to express my deep concern regarding the disputed accounts on my credit report. Despite numerous attempts to address the inaccuracies in these accounts and my repeated requests for thorough investigations, I have yet to see any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and disrupting my ability to live a normal life. The impact of these inaccuracies has caused significant hardship, compelling me to urgently seek your assistance in resolving this matter as quickly as possible. 

I respectfully request a thorough investigation into the reporting of each disputed account. It is critical that immediate steps are taken to update and correct my credit report without further delay. Your assistance in restoring the accuracy and integrity of my credit file is vital for me to regain control over my financial stability. 

I strongly urge you to prioritize this issue and take swift action. Your prompt cooperation and support in resolving this matter would be greatly appreciated. 

Thank you for your attention and assistance.
Consumer complaint received 2018-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Convergent Resources, Inc. (TX)

XXXX XXXX has incorrectly reported on my credit report for a collection of {$230.00}. My balance was paid through XXXX and XXXX XXXX has incorrectly reported a collection report on my credit report. I would like XXXX XXXX to immediately remove it's report upon my credit report to all 3 credit bureaus. Thank you.
Consumer complaint received 2018-01-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (NJ)

Dear Sir/ Madam, It is currently XXXX XXXX in the PA Banking Commission XXXX We have received a contact from a previous consumer and wanted to touch base with your company to ensure that all is well. We have confirmed that a lawsuit was not filed against PNC. PNC has been soliciting XXXX XXXX in spite of a cease and desist letter being sent to your entity. The next steps will lead to a federal lawsuit. PNC has been told to leave XXXX XXXX alone several times. However, PNC never seems to understand the message. XXXX XXXX cashed the {$500.00} check at PNC 's approval. An agent from PNC contacted XXXX XXXX and had left a detailed voice message stating that the check was in good standing. No blocks or any adverse action was taken against the check. PNC is now blaming XXXX XXXX for stealing {$500.00}. If PNC does not leave XXXX XXXX alone, I will contact XXXX XXXX XXXX XXXX, NY ( DOJ ) to sue PNC for harassment and defamation. I am attaching this email that was sent by an employee in your company. PNC should have processes to keep employees under control. PNC is negligent as it has violated a cease and desist order. PNC must not make any more inquiries about XXXX XXXX to any Consumer Reporting Agency. PNC must mind its own business. I hope that you will follow this demand letter. Legal action will be filed if any provisions are violated in this letter. 
Sincerely, XXXX XXXX ( DOS ) PA BANKING COMISSION
Consumer complaint received 2018-04-24
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

I am attaching a copy of the letter I sent to the credit bureaus on XX/XX/XXXX. THey have not responded yet. Its been longer than 30 days.
Consumer complaint received 2024-08-14
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: EQUIFAX, INC. (IL)

I am writing to express my serious concern regarding the disputed accounts on my credit report. Despite my numerous efforts to address the inaccuracies and repeated requests for thorough investigations, I have yet to receive any resolution or corrective action. 

These incorrect accounts are causing significant damage to my credit file and are severely affecting my ability to live a normal life. The impact of these errors has led to considerable hardship, prompting me to urgently seek your assistance in resolving this issue as soon as possible. 

I respectfully request a detailed investigation into the reporting of each disputed account. It is crucial that immediate steps are taken to update and correct my credit report without further delay. Your support in restoring the accuracy and integrity of my credit file is essential for me to regain control of my financial stability. 

I urge you to prioritize this matter and take swift action. Your prompt cooperation in resolving this issue would be greatly appreciated. 

Thank you for your attention and assistance.