davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-09
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. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$6000.00} ; XXXX XXXX Balance XXXX {$2300.00} ; XXXX XXXX XXXX Balance : {$990.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : {$670.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$810.00} ; XXXX XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX XXXX ) XXXX Balance : {$410.00} XXXX XXXX XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX  ) XXXX Balance : {$350.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$220.00} XXXX XXXX XXXX XXXX I ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ;
Consumer complaint received 2024-02-13
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: NEW YORK COMMUNITY BANCORP INC (GA)

I have a mortgage with Flagstar Bank. I learned in the Fall, that they were affected by the 2023 XXXX data breach. This revelation was published in an article about the breach. I checked the company 's website and they advise customers to log into their accounts to make inquiries. I've made three inquiries and have not received acknowledgement of my inquiry or a resolution. I want to know if my personal information was affected by the data breach and if it was I want to know what was stolen, was my data encrypted, if my data was stolen, if my data is on the internet in an unencrypted format. I deserve to know this information in order to protect myself and my credit.
Consumer complaint received 2019-12-20
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Business Bureau (IL)

I recently sent Medical Business Bureaus a request for validation not verification a debt placed on my credit file with a cost break down of the debt said owed referencing account XXXX on XX/XX/2019 with signed Hippa Release in my handwriting authorizing Medical Business Bureaus to access or retrieve my medical files and or procedure which is totally private. They responded with no validation of debt but my full medical procedure and records photo copied again without a Hippa Release form with my signature which is a violation of my Hippa Rights. I am proceeding with legal action as prescribed by law against Medical Business Bureaus for having my medical records in their presence without a noted Hippa Release form. Failure to manage risks to the confidentiality, integrity, and availability of PHI is what XXXX XXXX has violated and created.
Consumer complaint received 2019-12-20
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc (AK)

Hunter Warfield attacked my credit score without sending me any notices in the mail or leaving any message on my phone about a debit being owed. The apartment complex where the debit originated from never billed me for the amount being owed and I promptly payed after receiving my final move out settlement.
Consumer complaint received 2024-02-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: NRA Group, LLC (GA)

A person calls and leaves me a message from the National Recovery Agency. When I call back, it is an automated person who asks me for my Recovery account number, which I have no idea because I have no idea what the collection is for. When I say I don't know, it asks for my social security number. I will never give this out over the phone and then when I say I'm not going to do that ( to the automated voice ) it hangs up. 

They call me every day. What can I do about this? 

The callback number is XXXX XXXX.
Consumer complaint received 2023-03-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (SC)

My loan was originated with XXXX XXXX on XX/XX/XXXX. The servicing was sod to PennyMac. In XXXX I checked my escrow after receiving my tax statement and made them aware that I had changed to 4 % tax status. At the end of XXXX I received my refund. I received a letter from PennyMac stating I had no insurance on my home and it would be forced by The lender if I did not prove coverage. I called my Insurance agent and we started the process. On XX/XX/XXXX I was notified by my agent that the insurance had to be paid today or coverage would be declined again. I spoke to 4 different people about this and finally XXXX was helpful and called the Insurance company on a 3 way and helped me handle it. 

The complaint is that because when PennyMac took over servicing they did not contact the Insurance company and change the Mortgage E Clause and this caused the insurance to be declined. I have heard this from several people/friends. One of which PennyMac forced insurance and it was because XXXX XXXX sold her loan to PennyMac. I am concerned that this is a pattern. I checked the internet and it is the responsibility of the new servicer ( PennyMac ) to notify the Homeowners insurance company and change the Mortgage E clause. 

I am in the Mortgage industry so I understand where the problem lies. I am concerned with other borrowers that do not know the process having increased premiums/monthly mortgage payments that they can not afford. It took me 1.5 hours to correct this. What about the borrowers that can not take time from work to handle this? 

I appreciate your time and I hope that this will not affect anyone else.
Consumer complaint received 2019-11-28
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: Ascendium Education Group (FL)

Refuses to provide me the original creditor 's information, which supports that Ascendium Education has reaged the account to keep on credit reports. The time clock on the date the account FIRST went delinquent can not change no matter how many times a charged-off debt is purchased, transferred or sold to collection agency. Basically, the purge from date NEVER changes. The charged-off account can bounce from collection agency to collection agency but according to the FCRA, the debt can only be reported for 7 years from the date of first delinquency ( DOFD ). I am requesting the original creditor 's information again which I am entitled. It will validate when the accounts were opened and the payment history. I have never paid anything on the accounts because I have been XXXX over 10 years. The accounts are obsolete and if Ascendium does not delete the obsolete accounts that they have reaged, I will be forced to retain legal representation against Ascendium. XXXX  and XXXX  are not requesting the original creditor 's info which supports the accounts are obsolete. I have requested a validation letter from both on numerous occasions and they have ignored and refused. After this. it will be an intent to sue. The credit bureaus has the authority to delete obsolete information ; however they are refusing to conduct a thorough investigation. They constantly send a generic response saying valid which is not true
Consumer complaint received 2019-12-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

Stop check. 
I put the check written in my name into my bank on checking account. This check was written out personally in my award to those whose name is also indicated on the check and implies the owner of the account. The check was written out as a payment for the service and the material I had previously bought in the store for him. I made a deposit right away using the mobile application of my bank, as the bank was already closed at XXXX XXXX. The next day, after lunch, I went to my bank and asked why the money had not yet been transferred and I can see that transaction still pending. I was told that this happens and everything is fine. I showed the check, which I put, but the bank employee said that he was not needed. The next day, the entire amount was credited and added to the funds already in my account as transaction completed. After 5 days, I went to check the bank account and saw a loss of funds. The bank told me that I should solve this with the one who wrote me the check. The bank, in turn, took a fee from me. I stated that this was a fraud and asked : Why didnt anyone notify me of this in any way? What should I do? The bank said that I should look for and deal with the one who gave me the check. The manager said that this can be done for 3 years - to withdraw funds from previously issued checks. There was no answer to the first question. I went to another branch of the bank, where there was no answer to the first question, and they said to the second question that if you go up this street, there will be a court somewhere that will help you. I walked the whole street, but found nothing there. It is not possible to contact the person who wrote the check, and I guess that it was after he received the money from my account. I reported the crime to another bank, whose details were on the check, where they made it clear to me that they respect the interests of their customers. A couple of days later I received a letter in the mail, where I was notified of the charge-off. I wrote a letter to the main office of my bank and this turned into a correspondence. The fourth letter with my questions is ignored. They tell me events, trying in every possible way to ennoble their bank and now indicate that they notified me by mail. The bank returned the commission only.
Consumer complaint received 2024-03-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC. (FL)

Multiple issues : Tactics are to begin to inform you where the situation can go if we can't come to an agreement the moment you start to push back. Threatening lawsuit or further legal action. No illegal as they could do those, just crude tactics. 
However, I question the legality of grouping debts together and refusing to allow a consumer to pay one of the multiple debts they have purchased from multiple companies. I have tried twice now to make payment on and close out at least 1 of the balances and have been refused. If all 3 can not be paid at once then they will only take the payment and post it to all 3 accounts based on a calculation they use. I have 3 separate trade lines on my credit, but it might as well be one because I am not allowed to pay one of them off and bring it to a {$0.00} balance. That is misleading to creditors and harmful to consumers. I was also told the interest being charged to my account was charged by the courts when in fact it is allowed by the courts and charged by Midland and kept by Midland. This company could care less about the consumer. They just want the money for the debts they bought.
Consumer complaint received 2019-12-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (IL)

My complaint is about a student loan servicer, Navient, that has attempted to steal, cheat, lie and admit to their wrongdoing, but will not offer to fix their mistakes. 
Navient has violated several State consumer protection laws and several Federal laws. 
The only relief I am expecting Navient to provide is to reverse the charge off since they admitted to that mistake ( with no cost to me ), make corrections to the credit bureau ( mine and my my cosigner ), place my account back in good standing with $ 300-350 monthly payments. 
Below is a brief timeline of the important events. I currently have all records and documentation to prove all events. ( not every event is listed here, I will attach a full timeline event ) 1. They illegally tried to debit more money out of my checking account 2 months earlier than what their emails said ( I currently have those emails ) 2. After several attempts of trying to reinstate my original payment amount ( I currently have that documentation ), no one at Navient reinstated my request. 
3. I was told the exact date when my loans would Default ( I currently have those records and Navient admitted to their mistake ) 4. Navient charged off my private student loans 30 days sooner than they were supposed to ( I currently have those records ) 5. After Navient admitted to their mistake, they would only reverse the charge off if I payed {$580.00} ( I currently have those records ) 6. When I told them I just started working while being unemployed for 4 months, I couldn't afford the {$580.00}. And that I could pay $ 50-75 that day and {$300.00} monthly payments, they said no, I would have to pay the {$580.00} that day. ( I currently have those records ) 7. When I offered to pay {$50.00} that day, they told me they couldn't accept my payment ( I currently have those records ) 8. When I mailed a {$300.00} check to Navient in XX/XX/XXXX, they returned it stating that it was an " invalid bank account number '' ( I currently have those records ), my bank account number has been the same for 24 years 9. When I contacted my bank, they verified for me that no one had attempted to cash the {$300.00} check ( I currently have those records ) 10. When I mailed a replacement check for {$300.00}, that check has never been cashed nor returned to me.
Consumer complaint received 2024-03-12
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: EQUIFAX, INC. (PA)

this is in another state Delaware I do not believe they are following the the Fair Debt Collection Practices Act, 15 USU 1692g Sec. 8099 ( b ). all references to this account must be deleted and completely removed from my credit report and a copy of such deletion ( to any/all of the 3 major credit reporting bureaus : Equifax, XXXX, and XXXX
Consumer complaint received 2021-12-28
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. (PA)

I was taken advantage of by due to malpractice while several laws were being broken under the FCRA by your company. This has caused me major financial injury, extreme defamation of character, I can't apply for credit, I'm not able to get approved for housing, I'm not even able to get an SBA loan due to the pandemic in this time of crisis. You have majorly hurt my ability to obtain credit. I've also been disputing with your company for 2 years, I've watched my rights continued to be violated.
Consumer complaint received 2019-12-20
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. (CA)

XXXX XXXX XXXX  ( The original creditor was XXXXXXXX XXXX XXXX ) This is fraudulent. I'm not sure who opened this account. This wasn't me and XXXX XXXX XXXX keeps putting this on my credit reports. THIS IS FRAUDULENT ... .Someone used my information to open an account. My purse was stolen doing this time with my social security and ID. 

I have asked XXXX  to remove this item.
Consumer complaint received 2019-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (KY)

I requested via letter with necessary information a copy of my drivers liscence 2 pieces of mail correspondence to lift the freeze. On XX/XX/2019, I received a letter from ; Equifax information services LLCXXXX XXXX XXXX Georgia XXXX. Stating the following : dear XXXX XXXX XXXX this letter confirms Equifax processed your request and permanently removed the security freeze on your Equifax credit report. If you have any questions, you may contact us toll free at ( XXXX ) XXXX XXXX thank you for the opportunity to assist you Equifax information services LLC. The proble : they did not remove it they claim they can not find me in the system. I have called the above number 3 times I was put on hold numerous times to be told their system is updating. I also went on line twice and called another number many times and never was able to speak to anyone or given the option to unfreeze In light of their lack of service accuracy and their power over peoples lives they need government regulation I feel they are purposely infringement on my rights as a citizen I have lost the ability to rent an apartment over their incompetence I should have the right to sue them. I need representation to force them to correct their error my government should provide me with representation. Can u help me. XXXX XXXX XXXX XXXX Ky ( XXXX ) XXXX XXXX XXXX. Please respond ASAP Im going thru a divorce and need to rent an apartment. Thank you
Consumer complaint received 2018-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

I have been working with the reporting agencies for months now trying to have public record information deleted from my personal credit reports but with no luck. However, based on the information that I have found per the NCAP it states two things required : The public record data must have your name, address, and either your Social Security number or your date of birth. 
The data furnisher of the public record information must visit the applicable courthouse at least once every 90 days to obtain newly filed and updated public records. After reviewing my 3 CRA records this information is not listed on the public record that is attached to my file. I am requesting that this public record..ie : bankruptcy information be deleted from all 3 CRA accounts ASAP per my right based on the NCAP law.
Consumer complaint received 2019-12-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC ()

My mother made a deposit in the month of XX/XX/2019, bound for XXXX and I was the recipient. The value was XXXX COP, I could not make the trip to XXXX so he went to request the disbursement of the money which the answer was that this was withdrawn in XXXX, when I never traveled. I have been trying for months to return the money but the company affirms that the process was indicated and it is easy to validate that I never traveled to XXXX and therefore there is no way in which the disbursement of the draft could be made. I want and demand that Moneygram give me my money back, I have tried in many ways but it has not been possible.
Consumer complaint received 2019-12-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BB&T CORPORATION (NC)

In XX/XX/XXXX, I realized that my money was disappearing from my checking account I had with BBT in XXXX, NC. I went to the bank an discussed it with XXXX XXXX and she claimed that it wasn't the case. The second time I went again she claimed that she knew nothing about it. Then she asked for my social security number and claimed she mixed it up with another customer with a similar social security number and nothing was done. After all was said and done over {$20000.00} has been taken out of my account and little by little, she claimed they was putting it back after the claims had been sent to whomever took care of them. Now, on XX/XX/XXXX, she said they closed the account after months ago she said the account needed to stay open to receive the payback money that was suppose to be put back into my account. Only {$180.00} has been put back into my account and no one from BBT has tried to help me get my money back or even look into the matter. I believe that someone in that bank has taken my money.
Consumer complaint received 2019-12-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jon Barry and Associates, Inc. (GA)

I was XXXX in XX/XX/2017 by XXXX county sheriff 's department in Georgia when I was they're under the care of XXXX county they had to transport me to XXXX XXXX  for further evaluation for medical issues. I remained in XXXX  until XX/XX/2017 therefore I am not responsible for these medical bills occurred during these times therefore they should have been billed to XXXX county sheriff 's department and not me personally I'm the only one out of other six XXXX that were taken that got bills personally the other ones were billed to the county and I am not financially responsible for this.
Consumer complaint received 2019-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Made a payment online through Bank Of America 's online payment process tied to my credit card account on XX/XX/2019 for the amount of {$7400.00} before XXXX ET. They did not apply my payment until XX/XX/2019 causing additional interest to be charged on the account. In addition as of XX/XX/2019 BofA is making my credit line available. I have never been late on a payment or had a check/electronic payment returned. There is no reason that BofA needs to delay same day payments or not make the credit line available to the customer of many years.
Consumer complaint received 2019-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (KY)

My ex husband submitted an insurance claim under my policy for an accident he had in a rental. I had no knowledge of this and it is effecting my insurance rates instead of his. He was the driver, the vehicle was a rental and I can provide proof that I wasnt even present for this accident. No money was paid out on this claim either.