davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-12
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (TX)

I have not received my 2021 Form 1098 Mortgage Interest statements showing the amount of taxes and interest paid, and the final regular monthly statement for 2021 showing the amount of insurance premiums paid. I am unable to find them on the " Fay Servicing '' company portal and the company phone service is unable to help me.
Consumer complaint received 2024-06-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NY)

In Fall XXXX, I took out both a federal and private loan under SallieMae to attend the XXXX XXXX XXXX XXXX XXXX ( XXXX ). XXXX is part of XXXX XXXX XXXX. I attended XXXX for less than 1 year. 

In XX/XX/XXXX, I filed an application for Borrowers Defense to Repayment for discharge of my federal student loans for the aforementioned school XXXX. 

In XX/XX/XXXX, I refinanced my private student loan via NavientReFi so I could pay off my balance faster. 

On XX/XX/XXXX, I received an approval of my Borrower Defense Case application under Exhibit C of the Sweet v. Cardona Settlement for the same school that my private loans are for ( Sweet v. Cardona approval letter ). 

On XX/XX/XXXX I requested a copy of the School Misconduct Discharge application from Navient concerning private student loan discharge. I received an email from Navient on the same day stating " Your loan type ( Refinance ) does not meet the criteria for you to receive an application. '' I disagree with Navient 's decision that my loan type ( Refinance ) does not meet the criteria for me to receive an application. Navient could have sent me an application to fill out but instead denied me the application outright. I was never considered for due process under certain conditions, such as predatory student lending and school misconduct. 

I do not understand why it is acceptable to pay back private student loans for a school who was involved in a class action lawsuit for school misconduct and predatory student lending when I have already received an approval letter for my federal loans to be dismissed under the same school. I have been carrying this debt for 20 years. This is financial imprisonment. 

The remaining amount of my private loan under Navient ReFi is {$16000.00}. This will take about 3+ years to complete under my current fixed NavientReFi I possess digital copies of all the original loan documentation from XXXX XXXX 

Thank you for your time and assistance with this matter. 

With appreciation, XXXX XXXX
Consumer complaint received 2022-11-10
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: Experian Information Solutions Inc. (CA)

In Accordance with the fair credit reporting Act. Then the list of inquires below has violated my federally protected consumer right.to privacy and confidentiality under 15USC 1681. 

EXPERIAN : 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 2023-01-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am XXXX and I am a victim of identity theft please remove this fraud inquiry from my credit report. I don't want any security freeze nor fraud alert yet but once I do I will let you all know.
Consumer complaint received 2023-01-17
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)

See Attachment I have Disputed the inaccurate information with XXXX, EQUIFAX, XXXX and they have failed to uphold their duty. 
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.

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 2017-12-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P. (FL)

XXXX XXXX XXXX XXXX RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX This company is not licensed in Florida and this should not be on my credit report
Consumer complaint received 2024-06-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kovo (AZ)

I demand a cease and desist of all illegal activity pursuant to XXXX5 USC 1692c ( c ) your cooperation is in clear violation of the FDCPA as well as my rights as a consumer under the Consumer Protection Act of 1962 they have not only used illegal communication tactics by illegally furnishing my information without permissible purpose but have also used mediums of communications that are unlawful such as the reporting of an alleged debt that they have never properly validated or verified in pursuant to 15 USC 1692G ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. 
if this debt is not handled and removed from my report I will have no other option but to file a claim as stated through the consumer credit agreement any inaccuracy, deceptive, or unfair debt collection practices will be handled through arbitration. I am giving your company the chance to fix this before taking those steps and measures but I will if needed as it is very clear in the agreement we have which was not clearly nor conspicuously disclosed to me, I'm going to include the arbitration agreement we have
Consumer complaint received 2023-05-24
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. (NV)

This is my 14th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$5100.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$5100.00}
Consumer complaint received 2022-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services (PA)

Miss-information present on my XXXX credit report regarding all my student loans with EdFinancial. 

It is stating " Payment Deferred '', showing on XXXX different Student Loans managed through EdFinancial " Opening Dates : Balance '' : XX/XX/XXXX : {$5500.00} XX/XX/XXXX : {$5500.00} XX/XX/XXXX : {$4500.00} XX/XX/XXXX : {$4000.00} XX/XX/XXXX : {$3500.00} XX/XX/XXXX : {$2000.00} XX/XX/XXXX : {$2000.00} XX/XX/XXXX : {$2000.00}
Consumer complaint received 2019-12-09
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: EQUIFAX, INC. (VA)

I was a victim of identity theft, and someone tried to open credit accounts by impersonating me. XXXX XXXX  is one of them. On XX/XX/XXXX credit inquiry was made. I have filed police compliant about it, also I had filed dispute with credit reporting agencies. Moreover I had filed complaint with XXXX XXXX  too, but they have not got the inquiry removed from my credit file. Neither have I received a response from them about it.
Consumer complaint received 2019-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Dovenmuehle Mortgage, Inc. (NC)

XXXX  Credit report is reporting two mortgages from same lender, different addresses and balance amounts. Missing payment history for the month of XX/XX/2019. These two accounts reporting do not accurately reflect my credit report, as my debt to income ratio for a mortgage now doubles. Which would possibly make it difficult for me to obtain a loan or extension of credit currently. This is a violation of the Fair Credit Reporting Act. I wish to have this mortgage loan reported current, accurate and as one account not two.
Consumer complaint received 2023-05-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX 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 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 2019-12-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Kadent Corporation (CA)

Sometimes in 2010, my wife took my daughter to a local XXXX Hospital in XXXX XXXX, California ER for a 45-minutes visit. The hospital charged us a bill over {$7000.00}, and we were left with about {$1400.00} after insurance paid out. We requested the examination of all the charges and found out some charges incorrect and consequently we submitted a bill dispute with proper depart. of the hospital. Finally, we received a letter dated XX/XX/2010 from the hospital 's billing business service partner XXXX XXXX XXXX stating " The charges have been resolved. '' And I kept the letter in file. 
However, shortly after a debt collecting agency CBSJ Financial Corp. started unstoppable calling and writing to my wife with threatening languages like reporting credit bureau etc despite my wife told them the matter has been solved between hospital and us. At that time I was oversea and didn't know this. Finally my wife couldn't bear the emotional pressure and continuing harassment and wrote a check of {$1500.00} as the CBSJ demanded to get her peace. In other words, my wife paid CBSJ debt collector for non-existing debt in exchange for a quiet life. 
I just found this out when I was cleaning up old document which includes my wife 's notes on an envelop and conversation with her. I was so upset by CBSJ such abusive practice for collecting non-existing debt through harassment and angry at XXXX Hospital apparently sold the already solved debt dispute to a knowingly abusive debt collector.
Consumer complaint received 2020-06-08
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: PENNYMAC LOAN SERVICES, LLC. (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : PENNYMAC LOAN SERVIC XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2023-01-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (IL)

I have noticed that my bank deletes transactions to make it appear that I have more money to spend than I actually do. I have caught this on numerous occasions and would like to know why it is you guys do this??? If I wasnt constantly checking my account I would probably think I have extra money and spend it, which could possibly send me into the negative.
Consumer complaint received 2019-12-09
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Siggi LLC (KS)

I have a loan through Omni Financial in an approximate amount of XXXX dollars. The company told me that I had to make an allotment or they would go to my bank and take money directly from my account. Not realizing that the actions done by Omni were illegal my financial adviser seen this allotment and told me to terminate it immediately. As well an employee from Omni spoke to her husband to contact me about paying the loan. around the end of XXXX I revived a phone call from her husband which is my co worker as well.Telling me that I need to answer his wife and pay Omni. Once I got off the phone with the husband, my spouse immediately told me to go see JAG. The JAG office told me that Omni violated the fair debt collection act and need to speak with my financial adviser also write a letter to Omni on why they will not be receiving funds from me. I have not written the letter yet, I do need further assistance with what to put into the letter. My financial adviser directed me to one of your agents to get further help.
Consumer complaint received 2022-10-02
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 — Was not notified of investigation status or results
Company: PNC Bank N.A. (TX)

I sent a certified letter to XXXX and XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX about 3 accounts on their reports to validate and to update my personal information Back in XX/XX/2022 in which the 3 accounts were showing as being charged off back in XXXX. Shorty after reviewing my credit report after. The 3 accounts are now showing back up on my credit as open and active. XXXX very disappointed about the inconsistency of the reports that are now showing up on my credit reports. The account and account numbers are listed below. XXXX XXXX XXXXXXXX Account # XXXX charge off date XX/XX/2022 XXXX XXXX Accout # XXXX charge off date XX/XX/2022 XXXX  XXXX  partial account # XXXX Charge off date XX/XX/2022 However I wasnt notified of the status being updated from being charged off to being active again.
Consumer complaint received 2019-12-09
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: Advanced Resolution Services Inc. (PA)

Advanced Resolution Services Inc. has refused to follow the Fair Credit Reporting Act Section 605A which states that a consumer reporting agency needs to place a security freeze within 1 day by phone and 3 by mail. 

ARS is now stating that they do not need to follow the Fair Credit Reporting Act because they are not a National Consumer Reporting Agency.
Consumer complaint received 2019-07-13
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have hard inquiries on my report with transunion that were added on and are companies that pulled multiple times. 
they were taken off but placed back on without my 5 day notice according to section 611 of Fair Credit Reporting Act XXXX PA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX PA XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX PA XX/XX/XXXX
Consumer complaint received 2023-01-05
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (NC)

Comenity Bank close 3 of 4 card for me claiming it was because of security issues, please explain why one account is still active and Im the same person this makes zero sense. I provided and required documents. I attached screenshot of the account that is still open and the others that was closed. I also call them to update my address on the active account and they refused to change the address, Im XXXX XXXX in the military and for the pass 6 months Ive been moving a lot for training. Why cant I update my address on active account or set up online account to my payment to my account?
Consumer complaint received 2023-07-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION (NC)

On XX/XX/ my co borrower and myself we under contract which interests were at 6 % which was advertised on their website had a lower interest rate at the time. When we closed on the property the interest rate was at 7.5 % which we complained about at closing which we was force to sign the contract.
Consumer complaint received 2019-12-09
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: FIRST ADVANTAGE CORPORATION (NC)

XXXX and XXXX have taken background checks to suspend and remove my account on their sites. The information, felonies and misdimeanor, are not of my person. 
The charges are from a state I've never lived in and the XXXX would not have let me enlist if I were a convicted felon.
Consumer complaint received 2022-10-02
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. (NJ)

In accordance with the Fair Credit Reporting act. The list or accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 with out 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 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I sent request to all XXXX credit bureaus to correct my legal name and and remove all the other names and other address but my present address on my credit report and they have not responded. I have also filed request regarding the Fair Credit reporting act for accounts to be removed from my credit report and for payments to not reflect negative due to the covid XXXX period. I am attaching all my documentation supporting my request that was sent to XXXX, XXXX and Equifax. 

I would like to thank you in advance for your time and assistance with this matter.
Consumer complaint received 2023-01-05
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. (FL)

I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a few items to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

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 2019-12-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX I transferred money from my Wells Fargo Checking Account to a savings account I also had with Wells Fargo. A few days later I logged back into Wells Fargo ONline to access my accounts and access the money I transferred and the money and the account were gone. According to Wells Fargo, they closed the account I transferred the money into the day before due to a {$4.00} overdraft. However the transfer went through and I have confirmation of it going through. Since then I filed a claim wiht Wells Fargo and have spent more than 20 hours trying to recover my funds. No one can tell me where the money is and whe it will be returned to me. As far a I am concerned the money is stolen until returned to me. 

On another, I realize the banks are not required by law to inform you if they are closing an account, but after 31 years of banking with them, I received no curtousy call or email notifying me of this closuer. They could have simply drafted {$5.00} from my checking to cover this over draft. Felling Helpless. The amount of the money is irrevalant to me, its the principle idea that they can do this.