davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Results Unlimited, Inc. (VA)

Results Unlimited is ruining my rental history with a collection account that is apparently in my name somehow. After multiple attempts, they still refuse to provide proof of the debt owed. Therefore under consumer protection laws the debt in my name must be removed.
Consumer complaint received 2018-07-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

XX/XX/2017 for XXXX collection agentic XXXX XXXX no action was taking no repose from them or nothing I dispute the account with them and nothing I would like this account remove I never open a account with XXXX XXXX
Consumer complaint received 2018-07-27
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (ID)

Navient was wanting XXXX payments per month with 9 % interest rate. That was their affordable payment, based on my XXXX a month income. They then offered me a lower monthly payment of XXXX with a 4 % interest for a limited time and said I might be able to opt into that program for an extended period of time, 6-8 months. In the extended time period my interested rate would be increased from the original amount of 4 %. The whole process is made for the borrow 's to never be able to erase the original debt. The school I took out the private loans for was sued by California Bureau for Private Postsecondary and Vocational Education and they won. The school, XXXX XXXX XXXX XXXX was misleading all of its students. It lied about the wages we would make post school, networking ability, attendance, etc. The school later closed down. I have told Navient of such actions the school did and there is no help because of that. They do not care about the issues, they only care about receiving their money.
Consumer complaint received 2018-07-27
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I originally initiated disputes on XX/XX/18 via fax regarding bankruptcies ( chapXXXX-XX/XX/XXXX, chapXXXX-XX/XX/XXXX, chapXXXX-XX/XX/XXXX) listed on my credit report and the accuracy of the information with Transunion. The dates listed by all 3 bureaus and staus do not match each other and are incorrect. I did not receive a response until XX/XX/2018 dated XX/XX/2018 well beyond the 30 days allowed by the FCRA. I than faxed a validation of method used asking who reported the information and who they contacted to verify the accuracy of the information. I am not sure how they verified the information given the letter from the Bankruptcy Court stating they do not report nor verify information to or for the Credit Bureaus. I also have full security freezes at XXXX, XXXX, XXXX, and XXXX XXXX, all of which have been blocked from providing 3rd party reporting or inquiry of information. All letters of Security Freeze attached. This is a willful attempt at non compliance in violation of the FCRA. They now send me a letter dated XX/XX/18 stating a general method but not who reported the information and how. As I stated the Bankruptcy  Court say No reporting-no verifying and the 3rd party services have complete security freezes that tells me Transunion did not verify the information. I also spoke to a representaive XX/XX/XXXX asking why I had not received a response from my XX/XX/2018 and was told it was completed but they failed to send out the response which I believe was untruthful.
Consumer complaint received 2018-07-27
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. (IL)

On XX/XX/2018, I received an alert letting me know a collection item was placed on my credit report. When I looked on my credit report I saw that XXXX XXXX XXXX for XXXX is showing that this item is in collections. Inaccurate information for account, status, amount, date open and closed, and payment history are all inaccurate. I have also never received notice of this collection item thus not allowing me to dispute it. It has dropped my credit score down 60-70 points and is damaging to me buying my house.

Please investigate
Consumer complaint received 2018-07-27
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)

Equifax along with XXXX  and XXXX  refused to remove the fraudulent accounts off my report violating the FCRA. I sent multiple times my police report along with my FTC affadavitt to no avail. Immediate rectification should be exercised to the problem at hand.
Consumer complaint received 2019-02-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (CA)

I pulled my credit reports and saw where IC SYSTEMS had inserted an account on my file. I have never received any correspondence from this company. They have not been in compliance and this is a violation of the FCRA and FDCPA
Consumer complaint received 2018-07-27
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (SC)

I had ( have? ) a Home equity account with PNC. In XX/XX/XXXX they changed their accounting technology and my life for the worse. I tried to head off these problems by simply paying off loan in XX/XX/XXXX, but i can not get them to stop billing me due to their errors! to date I have 22 bills, pieces of correspondence, and documented phone calls, some with confirmation numbers and PNC seems to be a cancer I can't get rid of. 
XX/XX/XXXX notice of new technology XX/XX/XXXX Normal bill for interest {$200.00} promptly paid as always. 
XX/XX/XXXX Newly formatted bill arrives for {$310.00}. Unable to reach customer service for hours. Paid the bill. 
Afterwards-bill arrived for {$220.00} for same period of time XX/XX/XXXX Bill for {$230.00} XX/XX/XXXX Phone connection to XXXX XXXX. New system is causing errors. I decide to merely pay off my balance and give him my bank info.XXXX # XXXX. Tells me to send a letter closing my line of credit, which I do XXXX written confirmation of my letter. 
XXXX Bill for XXXX XXXX Phone XXXX says my balance is XXXX. XXXX XXXX gets involved.Gets escalated to XXXX XXXX who reviews previous transactions, discovered that they had not gotten the money from my bank due to a typo. We conference my bank and XXXX assures me we are all set now! XXXX # XXXX XX/XX/XXXX Bill for {$83.00} XX/XX/XXXX Notice in mail that a request to correct my account has been submitted XX/XX/XXXX Phone XXXX XXXX does not take my calls nor return my messages XX/XX/XXXX Reach XXXX XXXX who repeated assures me that I can not speak to anyone higher than him. He confers with XXXX XXXX to be brought up to date. 
XX/XX/XXXX Letter from PNC that my credit has been cancelled for non payments! 
XXXX Phone XXXX XXXX. Tells me he has corrected their {$88.00} error on my account. He doubts they have affected my Credit score. When I asked if I am now at XXXX, he found that I still show a {$19.00} balance but doesn't know why XX/XX/XXXX Phone XXXX XXXX say he got my {$19.00} balance waived XX/XX/XXXX Phone XXXX XXXX says my balance is finally XXXX! All is well and fixed, I will soon receive my paperwork that the account is paid off as of XX/XX/XXXX! 
XX/XX/XXXX Bill for {$84.00}. statement includes misapplication reversals for the principal payoffs. 
XX/XX/XXXX Left message for XXXX XXXX XX/XX/XXXX Bill for {$0.00} and a new balance of {$65.00}
Consumer complaint received 2020-03-26
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: V and H Portfolio (NY)

I recently created a credit monitoring account in hopes to be informed about my financial standing because I am ready to start the process of purchasing a new home however, while checking my credit monitoring sights. I noticed a few errors on my credit report that I believe to be inaccurate and or fraudulent. I would like for these accounts in this complaint to be removed as soon as possible.
Consumer complaint received 2020-03-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lending Club Corp (NC)

Home Update Loan taken out with Lending Club in XX/XX/XXXX, monthly payments auto-deducted from bank account on XXXX of each month until paid in full on XX/XX/XXXX with proceeds from sale of home - made final payment by phone thru company representative. 

Upon receiving a payment on XX/XX/XXXX, I immediately responded by email to bring the error to their attention and provided my contact information should they require more information. I've made multiple attempts to connect with them by phone and sent several emails explaining the situation, only one of which received a viable response - in response to my XX/XX/XXXX email, I received an email stating they were reviewing the situation and would respond in 3-5 business days ; there's been no follow-up response to this. 

Today XX/XX/XXXX, I received a credit monitor alert that Lending Club has reported my account delinquent. 

My complaint is that this company has terrible customer service and is unnecessarily challenging to communicate with. 

Attempts to contact : XX/XX/XXXX : attempted to contact by phone 2x, was disconnected each time. 
XX/XX/XXXX : attempted to contact by phone, waited on hold for 135-minutes only to be disconnected. 
emails received : Payment Reminders XX/XX/XXXX, XXXX, XX/XX/XXXX ; Payment Solicitations XX/XX/XXXX, XX/XX/XXXX, XXXX ; Loan being reviewed XX/XX/XXXX ; and, auto-responses to each email sent. 
emails sent : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX
Consumer complaint received 2020-03-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (RI)

Im currently forced out of work due to COVID-19 I reached out to my mortgage services Mr. Cooper Loans to inquire about what options I might have because I have no return to work date at the moment and Im self employed so Im not reviewing a paycheck. The only option I was given was a forbearance with ALL payments due in one lump sum plus the current month upon ending of the forbearance. That makes zero sense because if Im legally not allowed to work and I go back at the end of the forbearance I would NOT be able to pay 4 months worth of mortgage payments in ONE lump sum. That was the only option given to me, not really an option at all if you ask me. This is a national crisis and Mr. Cooper loans are NOT offering anything remotely helpful to keep people from losing their homes. And after waiting on hold for 2 hours ( which I completely understand given the state of the us ) the woman helping me said her computer froZe and she would have to call me back. Ill let you take a guess on if I ever got a call back
Consumer complaint received 2020-03-26
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. (PA)

I was looking at my credit report on XX/XX/2020 where I had noticed inaccurate Information. They are saying a company XXXX XXXX who I am not aware who they are. They are giving me hard inquires on XX/XX/2020 and XX/XX/2020. They are saying I got a loan from the. This totally Inaccurate and fraud. I never signed anything and this was never authorized by me.
Consumer complaint received 2020-03-25
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (NC)

Yesterday, Wednesday XX/XX/2020, I received a debit prepaid card from BRINKS MONEY that I did not apply for and had my name on it, after trying to call the company I got no answer and Im worried about scams or stolen identity
Consumer complaint received 2020-03-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (IL)

Overdraft fees since Corona virus and temporary loss of job. 
2 Over Draft Fees on XX/XX/20. One was paid when I called. 
2 ODF 's on XX/XX/20. One was paid as well. 
This bank has a history of charging overdraft fees. How can they kerpbtaking from people when there is no money in the account especially in times like we are in now.
Consumer complaint received 2020-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (CA)

I AM A VICTIM OF AN IDENTITY THEFT, THIS ACCOUNT WAS OPENED WITHOUT MY CONSENT, WITHOUT MY KNOWLEDGE. SOMEONE STOLE MY PERSONAL INFORMATION AND MADE SOME FRAUDULENT CHARGES. NOW I AM VICTIM, AND I AM BEING PENALIZED FOR SOMEONE ELSES CHARGES. NOW I DON'T KNOW HOW THE THIEF GOT MY INFORMATION OR WHERE HE MADE THE CHARGES, BUT I SHOULD NOT BE PENALIZED, HOW IS THIS FAIR TO ME. I HAVE GONE TO THE POLICE, I HAVE GONE TO THE FAIR TRADE COMMISSION OFFICE, NET I WOULD LIKE TO INFOMR THE WHITE HOUSE BUT I BELIEVE THEY HAVE BIGGER ISSUES RIGHT NOW. BUT THIS IS MY ISSUE AND ITS VERY IMPORTANT TO ME. I NEED THIS FRAUDULENT ACCOUNT TO BE REMOVED IMMEDIATELY.
Consumer complaint received 2020-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Requested description of investigation results of incorrect/unverified reporting accounts on my credit report as per federal law FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).

Also requested original documentation with my signature of incorrect/unverified reporting accounts as per federal law FCRA 609 ( a ) ( 1 ) ( A ). 
Request was made XX/XX/XXXX, as of XX/XX/XXXX still have not been provided a copy of requested documentation. This is against my federal rights.
Consumer complaint received 2020-03-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (NC)

Chase Mortgage # : XXXX Home purchased in XX/XX/XXXX for {$65000.00} with 10 % down, {$58000.00} loan and began paying PMI Simple no cash refinance in XX/XX/XXXX and began paying {$40.00} per month in PMI ( {$54000.00} loan balance ) Home value as of XX/XX/XXXX : {$70000.00} ( 77 % LTV ) Home value as of XX/XX/XXXX : {$120000.00} ( 32 % LTV based on {$40000.00} loan balance ) XX/XX/XXXX : Contacted by Chase that PMI would be waived starting XX/XX/XXXX XX/XX/XXXX : Planned payoff of the Chase mortgage Chase has been committing mortgage fraud for 7 years by charging me {$40.00} per month and claiming I did not meet the PMI waiver requirements. This is a systemic issue in Chase 's PMI process and worse than XXXX XXXX XXXX rate lock scandal and CPI auto insurance. How can this type of fraud go undetected when this is occurring for millions of Chase borrowers in not removing PMI? 

Chase needs to evaluate this as an enterprise remediation and then testify before congress how this PMI process can be fair charging customers the monthly fee and then having the balls to waive the fee when I am paying off the loan. 

Based on the property 's value, Chase owes me 81 PMI  payments for {$40.00} or {$3200.00} plus loss of use of funds calculation. 

Please send me the remediation payment as I need funds to cover Covid-19 losses that Chase is responsible for by committing this mortgage fraud. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-03
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. (IL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records 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 XXXX/XXXX  XXXX Balance : - ; XXXX/XXXX  XXXX Balance : {$280.00} ; XXXX  XXXX  XXXX  ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$990.00} ; XXXX/XXXX  XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Consumer complaint received 2020-03-25
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)

My spouse and I have been trying to contact Equifax Credit Bureau since Monday XX/XX/XXXX to temporarily remove our credit freeze. For hours and days ( except last weekend ) no one answered the phone but a never-ending auto messaging suggesting that we go to their website. Their website directed us to call their 1-800 number cause they are unable to continue. For days and hours we have been trying to get hold of someone at Equifax with no luck. Most recent was this morning XX/XX/XXXX when If they are close they should say so. If they need something from us they should indicate so. Instead of making clients wait or throwing us out of their system. 
I am applying for refinancing and the bank would not proceed without all 3 credit bureaus open our credits. 
Please expedite as we're refinancing and would like to close. Thanks
Consumer complaint received 2020-03-23
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanUnited.com, LLC (PA)

Contacted Loan United for VA refinancing of my home in  Pennsylvania XX/XX/XXXX. My refinancing was being processed by XXXX XXXX XXXX, Senior Mortgage Loan Originator. 
Loan United requested XX/XX/XXXX mortgage statement, insurance, IDs DD214,  Note, Social Security cards which I began submitting. 
XX/XX/XXXX Loan United expanded their information request to include 30 days of paystubs, XXXX/XXXX  W2s, 2 months bank statements. Social Security letter, Retirement letter. 
XX/XX/XXXX Loan United requested Home Appraisal ( Cost to me {$500.00} ) and VA Termite Report ( Cost to me : {$85.00} ) which were performed. 
XX/XX/XXXX Loan United requested additional information to include P & L statements and all tax schedules for myself and my wife and her business. Sent this information Overnight to their office. 
XX/XX/XXXX Loan United requested additional information K-1 tax returns, Business license, expanded information on our tax returns. Resent additional information directly to Loan United Overnight mail. 
XX/XX/XXXX Loan United requested I add Flood Insurance to my homeowners even though I do not live in a flood zone. 
XX/XX/XXXX Loan United, XXXX XXXX, Loan Processor emailed me : " a loan payoff was the last item needed for your loans clear to close..we will most likely fund in XXXX so I wanted to be sure XXXX as been paid '' Contacted my mortgae company XXXX XXXX, and a payoff amount was provided to Loan United in XXXX . 
XX/XX/XXXX Loan United XXXX XXXX emailed me : : " All is well with your loan we are simply waiting until after XX/XX/XXXX to reloock your loan and then we should be cleared for closing ''. 
My original lock in rate was 3.75 % last year but I guess since so much time has passed a new Rate lock was needed. 
XX/XX/XXXX XXXX XXXX emailed me : ( after I inquired when my rate was going to be locked in ) " too high to lock today '' even though there were 3 rate cuts by the Fed to Banks and Lenders to  almost zero. How could it be? 
Since then no further communication. Loan United advertises their VA refinancing as quick, easy with limited information needed. I found this to be quite the opposite. This has turned into a nightmare, and I am still not closed. Im an XXXX discharged Vet and utilized the VA to help secure my original mortgage and this refinancing. I have always paid my mortgage on time as well as all my bills. I feel that this company should not be allowed to process VA loans of any type. I feel that this refinancing will not be closed
Consumer complaint received 2020-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

Here I am again fighting XXXX XXXX and their IMMEDIATE removal of the XXXX account they have bought. XXXX deleted the file because they have no PROOF as required under the FCRA and FDCPA and still XXXX  insists they can keep reporting this account to EQUIFAX without PROOF of my physical signature of a contract between ME and XXXX  It DOES NOT EXIST they can not. Sending me statements is not proof I have a contractual account with XXXX and it must legally be removed immediately. 



Again : " According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. ''
Consumer complaint received 2020-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: One Source Technology (TX)

XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX WAS THE EMPLOYER REQUESTED BACKGROUND CHECK FROM ASURINT FOR JOB EMPLOYMENT XX/XX/XXXX BEFORE THEY A DECSION WAS MADE XXXX XXXX WAS THE PERSON THAT WAS ON THE PAPERWORK THAT ASK FOR MY BACKGROUND.