davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-18
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (WI)

I took out a loan for   XXXX   XXXX   in 2001 account number  XXXX . I was solicited by Navient to consolidate my loans to get a lower interest rate which I believe I mislead and was locked into a terrible loan terms which has cost me three time in interest and I am left a victim of their prey on Naive people.
I took out {$140000.00} loan and I have paid {$310000.00} and they are asking for another {$71000.00} which continues to grow.
Consumer complaint received 2017-07-18
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CO)

for 2 years i have attempted numerous times to fixed my mortgage and lower my payment. they have always said i did not have enough money to show affordability. now that i moved in a stranger into my home to generate extra money i am still being denied for excessive forbearance. i would n't have this problem if they would have modified me a very long time ago. now i am facing a sale date scheduled and i can not lose my home/
Consumer complaint received 2023-01-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: I.C. System, Inc. (NY)

I have sent several debt collection validation letters to the company with no response, they have destroyed my credit and as per state bureau which i have attached they are not licensed in the state of New York where i reside to collect a debt. I want this deleted off my credit report immediately or i am suing!
Consumer complaint received 2022-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

DEPT OF ED / XXXX : # XXXX & DEPT OF ED / XXXX : # XXXX, have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-02
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sezzle Inc. (CA)

I received an email stating that I could resolve my debt with senseless through XX/XX/XXXXfor the amount of {$42.00} As they represented this as the amount owed to clear total debt balance with sezzle I paid it. Then they keep trying to collect for the same company, different amount of balance spamming the same communication style. Its falsely misrepresenting the actual debt owed by using these tactics to collect on a debt. Federal law makes it illegal for debt collectors to use unfair or abusive practices or deceptive statements to collect a debt and I believe this falls under the protection of these laws.
Consumer complaint received 2023-02-07
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: OneMain Finance Corporation (NC)

I recently checked my credit report and saw that on XX/XX/2022 a company called " XXXX '' ran my credit report. This inquiry has caused my credit score to decrease and I fear my identity may have been stolen.
Consumer complaint received 2017-09-18
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIRST GUARANTY MORTGAGE CORP (NC)

We are applying for a Reverse Mortgage. We have a current mortgage closed inXX/XX/XXXXwith First Guaranty Mortgage which is being serviced by XXXX XXXX XXXX. When the underwriter processing the new Reverse Mortgage pulled our credit, something odd came up on the report. Under Mortgage History it listed a RERECORDED DEED dated XXXX/XXXX/XXXX for a mortgage amount exactly the same as our original principal amount of {$140000.00}. However, the XXXX/XXXX/XXXX recording shows a Mtg. Term of 28 years rather than the 30 years on the original mortgage. 

This entry on our credit report caused the new underwriter to request written verification that this latest entry is in fact a rerecording of the original mortgage deed and not a new or additional mortgage. Seems pretty straight forward, but neither First Guaranty Mortgage nor XXXX is responding. I received an initial response from XXXX XXXX at First Guaranty that he was communicating someone at XXXX ( indicating that XXXX must have filed the rerecorded mortgage deed ). I initiated communication with XXXX XXXX on XXXX/XXXX/XXXX, received a voice mail message on XXXX that he was in contact with someone at XXXX, but XXXX did not tell a name or give me any contact information. Since that date I have been unable to reach XXXX or get any return calls to my voice mails. 

WE NEED SOMETHING IN WRITING EXPLAINING THE RERECORDED MORTGAGE DEED TO THE SATISFACTION OF OUR CURRENT UNDERWRITER. 

Thank you.
Consumer complaint received 2022-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: REGIONS FINANCIAL CORPORATION (CA)

Octapharma Plasma, Funds {$350.00} and change apparently stolen in another state. 
It has been over a month, the company has not put money back and now my identity is being used, my bank account, my cell phone is intruded on. 
I need the money back on my card.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2023-03-11
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: Resurgent Capital Services L.P. (MI)

LVNV FUNDING LLC - Has been reporting fraudulent charge to the credit bureau for over 2 Years. I have disputed this charge several times with XXXX and XXXX, and they have refused to remove it from my Credit Report. In the 1st Quarter of 2022 - LVNV FUNDING LLC along with XXXX & XXXX, PC. file a complaint with the XXXX, I responded to the complaint/summons. In XXXX of 2022 - The Court Dismissed the case brought by LVNV FUNDING XXXX XXXX XXXX XXXX XXXX. The case was without Merit, lacking proof and is what the court would consider a Frivolous Lawsuit. The last time I requested for this item to be removed was XX/XX/2022. I have petition XXXX and XXXX to remove the reporting from my Credit Report and provided them with the Dismissal from the Court and still they claim that " Account information disputed by consumer, meets FCRA requirements. '' This is by far the worst credit reporting - If the LVNV FUNDING, LLC - could not prove in a court of law without a shadow of doubt that the Debt is mine, then by a matter of law under the Fair Credit Reporting Act. The negative reporting to my credit profile should stop immediately and be removed from my credit report.
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX - XXXX ) XXXX Balance : {$2700.00} ; XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX  XXXX ) XXXX Balance : {$620.00} ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX Inquiry : XX/XX/XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XX/XX/XXXX.
Consumer complaint received 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-03-12
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (ND)

I 'm a victim of identity theft. My XXXX XXXX credit card account/card is lost/stolen : XXXX, this account is listed and showing on my XXXX XXXX, Equifax and XXXX credit report as open. This account should be closed. The XXXX XXXX credit card account was compromised.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

On XXXX I sent a letter opting out of any and all authorization I the consumer may have given XXXX XXXX XXXX in a demand to have my personal, financial, public, and non private information removed from third party non affiliate companies and consumer reporting agencies per 15 USC 6802. 15 U.S. Code 6802 is about obligations regarding the disclosure of personal information. It states that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party 15 U.S. Code 6801 states that Congress has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. And Per 16 CFR 313.7 - Form of opt out notice to consumers 313.7 Form of opt out notice to consumers ; opt out methods. ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure ; I have submitted my opt out request even though the option was not clearly provided to me.
Consumer complaint received 2023-05-26
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. (TX)

When I investigated my credit report, I see that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-01
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-04-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCC Business Services, Inc. (CA)

The amount I am disputing with this company is {$120.00}. On XX/XX/2017 - I applied to be a resident at this property. The day of application, the property had free application fees waived on approved credit. Since my application was approved, the company was only authorized to withdraw {$100.00} from my bank account. The {$100.00} was for a holding deposit. Therefore, I set aside {$100.00} for this withdrawal. Instead of the company withdrawing the authorized {$100.00} -- they attempted to withdraw {$190.00} -- {$100.00} for the holding deposit and {$95.00} for the application fees. My bank denied the transaction and I was charged a bounced check fee of {$35.00} with my bank -- I have called their office multiple times and I have never received a response nor have I gotten my call picked up in attempt to resolve this. XXXX XXXX first attempted to collect {$220.00} - {$25.00} NSF fee, {$100.00} cancellation fee and the {$95.00} application fee. After disputing, the company removed the {$95.00} application fee but will not remove the other charges that are clearly their fault. The {$100.00} cancellation fee and the {$25.00} NSF fee. This company has continued to collect and refuse to respond to any of my messages.
Consumer complaint received 2023-07-07
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. (AR)

I am writing to submit a formal complaint regarding the inaccurate information on my credit report, which I previously brought to the attention of Experian on XX/XX/XXXX. However, to date, I have not received any response from them. I kindly request your assistance in addressing this matter. 

Below, I have provided the details of the inaccurate information on my credit report, along with the required correction : Inaccurate Account Information Company Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2600.00} Request : The information indicated for this account is imprecise. The reported balance of {$2600.00} is higher than I remember. Additionally, the amount indicated in the Past Due section should be removed, as this account has a closed and charged-off status. Please mark this account as disputed until the appropriate corrections are made.
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. (TX)

I have contacted XXXX XXXX, XXXX, Equifax, and XXXX  several times. I have sent multiple letters and made multiple phone calls. The account with XXXX XXXX XXXX is invalid, and inaccurate. The account is not mine. My data was compromised in the Equifax data breech. XXXX, Equifax, XXXX  have failed to verify this account. I have not received any document as what method was used to verify this account. The bureaus have willfully reported negligent information despite being informed serval times.
Consumer complaint received 2020-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (NJ)

For the past few years I have utilized an online savings/investment app called XXXX. I linked my PNC debit card to XXXX  and every purchase I made was rounded up to the nearest dollar and invested for me. This was a very convenient, painless way for me to save quickly. I was very disappointed to learn that PNC has " increased security '' and that savings platforms, such as XXXX and XXXX no longer work. How is it ok for PNC to decide where I can or can not invest my money?? Fix this or I'll take my business elsewhere.
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

When I reviewed my credit report, I discovered that these inquiries were erroneous. The Credit Bureaus must verify these inquiries in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting inquiries as unverified information without providing any proof within the period allowed by law. The following inquiries need to be investigated and deleted from erroneous reporting in my file are listed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-26
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: Early Warning Services, LLC (TX)

Hi I didn't apply for XXXX checking account my identity was stolen and this account was removed off my XXXX and XXXX report but it still remains on my early warning report I wish for this account number XXXX XXXX and XXXX to be removed and disputed and find out who did this I didn't apply for a checking and saving account this is fraud
Consumer complaint received 2023-05-26
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. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.