davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

XXXX, EQUIFAX, XXXX All have done Avery poor job updating accounts that either do not belong, not updating my score when balances are paid down or paid off. This has affected my chances of borrowing or getting a bank loan. Im tired and frustrated by the harm these agencies have caused.
Consumer complaint received 2021-01-13
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Global Trust Management LLC (GA)

XX/XX/XXXX XXXXI have informed debt management collection company that this is an identity theft issue and I am not sure who has taken my identity and to remove any information such as family members phone numbers until this matter is investigated and they are harassing me and my family members by calling multiple times a day and leaving messages with my family members and they are not aware of what is going on.
Consumer complaint received 2021-01-13
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. (CT)

XX/XX/XXXX {$1700.00} XX/XX/XXXX {$450.00} XX/XX/XXXX {$3500.00} XX/XX/XXXX {$1700.00} XX/XX/XXXX {$0.00} XX/XX/XXXX {$0.00} XX/XX/XXXX {$0.00} XX/XX/XXXX {$0.00} Sent letter to company confirming the violations committed by saying I owe alleged debt
Consumer complaint received 2021-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

The account with XXXX XXXX is paid, but the account status is not reflecting that the account is paid. The status/condition of the account is still being reported as derogatory although the balance is XXXX. Again, there is a zero balance. The account is PAID. The account status/condition is NOT correct.
Consumer complaint received 2021-01-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (TX)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: AES/PHEAA (PA)

XXXX  switched my loan to another lender it cause my credit report to drop XXXX points. This is so unfair as I thought I was not required to payback my loan as I am a current XXXX student. This loan was switched to Fedloan now I am confused upset, this is heartbroken to see on my reporter I am a homeowner and I am a very responsible person when it comes to dealing with my credit report. I just don't know what to do and how this could happen. Now they did send me a email stating that this change was happening again at NO request of my own. It was happening if I liked it or not.
Consumer complaint received 2021-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX switched my loan to another lender it cause my credit report to drop 29 points. This is so unfair as I thought I was not required to payback my loan as I am a current XXXX student. This loan was switched to XXXX now I am confused upset, this is heartbroken to see on my reporter I am a homeowner and I am a very responsible person when it comes to dealing with my credit report. I just don't know what to do and how this could happen. Now they did send me a email stating that this change was happening again at NO request of my own. It was happening if I liked it or not.
Consumer complaint received 2021-01-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth (OH)

I recently reviewed a copy of my credit report and seen there were some accounts that are not mines and will need them removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. The following accounts in dispute are listed below : Additionally, I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to ARS Account Resolution # XXXX, # XXXX, XXXX XXXX # XXXX to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than is to only be revealed with the patients authorization, therefore my request is twofold and as follows, Validation of Debt, and HIPPA authorization. 1.Please provide breakdown of fees including any collection costs and medical charges. 2. Provide a copy of my signature with the provider of service to release my medical Information to you.
Consumer complaint received 2021-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

XXXX, EQUIFAX, XXXX  All have done Avery poor job updating accounts that either do not belong, not updating my score when balances are paid down or paid off. This has affected my chances of borrowing or getting a bank loan. Im tired and frustrated by the harm these agencies have caused.
Consumer complaint received 2022-03-15
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. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-03-16
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

I have asked Credit Acceptance to remove the XXXX late payment they put on my report after I requested the Covid 19 relived.. Also my car was paid in full XXXX  years prior to the end of the contract. I have disputed this over 3 times. During Covid19 no late payment shouldve been recorded
Consumer complaint received 2021-01-13
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am a victim of identity theft. 
I was notified through an alert that on XX/XX/2020 a thief who stole my identity applied using my name and social security number, for a Capital One credit card. I notified Capital One of this fraudulent application. Capital One reviewed the application and determined that indeed the application was fraudulent and thereby cancelled the application. 
On XX/XX/2020 I formally requested through the Federal Trade Commission, a request for a copy of that application and request for other related records/documents from Capital One. To this date Capital One has refused to comply with that request.
Consumer complaint received 2021-01-13
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)

It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!
Consumer complaint received 2021-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX balance {$1100.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately. 

XXXX XXXX  XXXX XXXX XXXX Balance {$0.00} - This kind of account is in fact posted as a charged off account. The balance is in fact incorrect, make sure you reverse it to zero or erase the item totally. Make sure you also render documentation to be sure of all the charges and credits to this alleged account is mine. If you can't give these details and proof on this per my civil rights petition, you need to instantly Delete this wrong account.
Consumer complaint received 2023-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (TX)

As of XX/XX/2023, our account was frozen for review for some of our transactions. However, there was no disclosure of notification that our account was under review and how long there investigation would take. I have cited the compliance violations that are being done against us. 

We have been subject to unsatisfactory treatment by PNC since opening our account. Here are the following issues and potential compliance violations : We were enrolled in PNC 's XXXX service for wires/ACH. I was able to log in once and have been froze out and no way to re-instate my log in. Customer service has not been able to help and the third party service does not respond to the e-mails when providing the information as requested. We have not been able to use XXXX except for once from the start. We have sent multiple wires in which I have to go into the branch in which you should have evidence of this with your branches. With this being said, XXXX has to pay a service fee of {$95.00} which has cost us an estimated {$1000.00}, so far. Issue still unresolved Our account has been frozen without any formal communication or disclosure that it was being frozen, we have automatic payment withdrawals that come out of the account monthly in which we will go delinquent and cause us credit bureau adverse actions to our credit ( our personal guarantor/XXXX  ) XXXX This is unacceptable and needs to be reported to the CFPB for non-compliance to UDAAP and FCRA regulation requirements needing to be adhered to by PNC as a financial institution.
Consumer complaint received 2021-01-13
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (FL)

On XX/XX/2020 I received a XXXX XXXX letter from XXXX XXXX, Senior Vice President, Lakeview Loan Servicing LLC to refinance my current VA mortgage via the VA XXXX XXXX XXXX XXXX XXXX ( XXXX ) program. The offer promised ; ( 1 ) 2.508 % APR, ( 2 ) new loan amount of {$230000.00}, ( 3 ) savings of {$160.00} per month and ( 4 ) no out of pocket cash The offer was good until XX/XX/XXXX at XXXX EST. I called on XX/XX/XXXX and spoke with a loan officer. After setting up an account, multiple phone calls, hours waiting for call backs and several hours providing documentation I was told I could refinance at ; ( 1 ) 2.75 % APR, ( 2 ) new loan amount of {$230000.00}, ( 3 ) savings of only {$50.00} per month and ( 4 ) I would have to bring {$2700.00} to closing Lakeview Loan Servicing LLC has false advertised. I refused to refinance with this company. They were unable to meet any of the four promises they made in the letter.
Consumer complaint received 2021-01-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (NY)

Chime notified me that my account will be closed without reason, I was told the funds in my savings account will be transferred to my spending account and all remanding balances will be sent via check in 30 days howver its been over 30 day and I stain didnt revive my money I e tried calling and emailing and theyre response is sine theyve ended theyre banking relationship with me they can no longer assist me
Consumer complaint received 2022-03-16
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. (NC)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, 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.
Consumer complaint received 2021-01-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (AK)

I sent in my IBR annual recertification application with Navient several months ago. A couple of months ago I got a call saying my loan was overdue, because it turns out they had not processed my application. Eventually, after talking to multiple Navient representatives on the phone and hearing several excuses as to why my application had not yet been approved, I had someone tell me that my application had been denied because it lacked a signature, but upon reviewing my application admitted my signature was there, apologized for their error and assured me that my application would be approved, as I had all the necessary documentation I needed. 

Navient still has not approved and is seeming to refuse to process my application. Their delay is increasing my student loan amount and having other nontrivial financial impacts. I do not know how it is ethical or legal for this company to engage in lending practices that involve delaying processing, either through bad faith or incompetence, to increase their profit and harm customers. Again, it has been many months and they are still not acting after repeated requests. 

This is not the first year this has happened. This seems to be a regular Navient business practice.
Consumer complaint received 2021-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

US DEPT ED XXXX Balance : {$0.00} This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting. 

US DEPT ED XXXX Balance : {$0.00} Please figure out precisely why the date of last reported is different from other bureaus, this is a violation. Also, give documentation to verify all the charges and credits in this claimed account that caused to the maximum credit number you've exhibited in my file. My request to give these records is a standard information request according to my legal rights honored within the fair credit billing act. 

US DEPT ED XXXX Balance : {$0.00} This account is not familiar to me. Provide me with necessary documents to prove its mine. My petition to request this documentation is a standard information petition based on my rights given from the fair credit billing act. If you can not create this data per my civil rights inquiry, please quickly remove this particular invalid post. 

US DEPT ED XXXX Balance : {$0.00} Balance and payment history is Incorrect please remove immediately. 

XXXX XXXX ( Original Creditor : 08 XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$450.00} Your records are revealing conflicting and incorrect information compared to other bureaus. 

XXXX XXXX ( Original Creditor : 08 XXXX XXXX  ) XXXX Balance : {$480.00} This account Belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly. 

XXXX XXXX Balance : {$0.00} Delinquencies reported after the account was closed. This is a violation please delete.
Consumer complaint received 2023-06-28
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I respectfully request your prompt attention to the following inaccurate information on my credit report. For your convenience, the disputed item is listed on the enclosed page of my credit report. 

I was never late. My family and i thinks its odd that Ive never held a balance at this company and also having auto pay that This company found a way to add negative marks on my credit for not paying on time. This is incorrect and has forced me to not qualify for a home the last 2 years. 

Account info Account name XXXX XXXX XXXXXXXX. 
Account number XXXX Account type Line of Credit Responsibility Individual Date opened XX/XX/XXXX Status Open. 
Status updated XX/XX/XXXX Balance {$10.00} Balance updated XX/XX/XXXX Recent payment {$10.00} as of XX/XX/XXXX Monthly payment {$10.00} Credit limit {$1800.00} Highest balance {$50.00} Terms - Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current / Terms met 30 Past due 30 days 60 Past due 60 days ND No data for this period Payment history guide 60 days past due as of XXXX XXXX 30 days past due as of XX/XX/XXXXXXXX XXXX
Consumer complaint received 2023-01-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

My house was foreclosed on and I lost my house despite trying to get modification which was affordable at the time. I was working and had enough income to support a modification, but was denied numerous times over and over again from XXXX - XXXX. My house was {$500000.00}, but with denials ended up being over {$1.00} XXXX dollars in fees owed. Wells Fargo was the bank. Am I entitled to compensation?
Consumer complaint received 2023-06-28
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I respectfully request your prompt attention to the following inaccurate information on my credit report. For your convenience, the disputed item is listed on the enclosed page of my credit report. 

I was never late. My family and i thinks its odd that Ive never held a balance at this company and also having auto pay that This company found a way to add negative marks on my credit for not paying on time. This is incorrect and has forced me to not qualify for a home the last 2 years. 

Account info Account name XXXX XXXX XXXXXXXX. 
Account number XXXX Account type Line of Credit Responsibility Individual Date opened XX/XX/XXXX Status Open. 
Status updated XX/XX/XXXX Balance {$10.00} Balance updated XX/XX/XXXX Recent payment {$10.00} as of XX/XX/XXXX Monthly payment {$10.00} Credit limit {$1800.00} Highest balance {$50.00} Terms - Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current / Terms met 30 Past due 30 days 60 Past due 60 days ND No data for this period Payment history guide 60 days past due as of XXXX XXXX 30 days past due as of XX/XX/XXXX XXXX
Consumer complaint received 2021-01-13
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: Nickel City Group LLC (FL)

I am being sent these text messages, this time from this number ( XXXX ). I have never been sent any communication in the mail. Company name is OFG LLC XXXX XXXX This is not a solicitation We have important documents here in our office pertaining to your name and SSN, pending further review. This is now the 3rd attempt we have tried to reach you. Our offices have paperwork that may have been delivered to you or scheduled to go out shortly. Please refer to file number XXXX The office number is XXXX.