davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file and 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
Consumer complaint received 2022-12-14
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file and 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
Consumer complaint received 2017-11-29
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Navient Solutions, LLC. (TX)

Navient stopped my auto debit for my private student loans without notifying me which made my loans go past due and they demanded the payment in full. I tried numerous times to work out a payment with them. Navient called my mother XXXX XXXX on XXXX XXXX and told her about the debt I owed, how much the debt was and asked her to help pay. My mother has no association with my loan. Navient then called my husband who is also not tied to my loan and gave him a settlement offer amount and sent him an email with a settlement to his personal email asking him to ask his father for the money to pay the private student loan. I have the emails sent from the Navient collector to my husband with all my information. Navient called my husband again and told him the settlement offer was password protected and gave him the password of XXXX to open the secure message. Navient did not have my permission to contact anyone other than me and share my personal debt information. I live in the state of Texas. Navient told me they will garnish my wages for my private loans, freeze my bank accounts, and place liens on my property, which I do n't own. The person I am speaking to at Navient calls herself XXXX XXXX and her number is XXXX and her supervisor that sent my husband the " secure '' email is XXXX XXXX with an email address of XXXXXXXXXXXX. Navient also called my mother and father inlaw giving them information about my debt. Navient leaves personal information on my voice mail detailing private information. They also left this information on my inlaws voice mail. Their collection practices are illegal and threatening. They have told me that I only have two days to pay or they will sue me. My account went for almost two full years in good standing with auto drafts, to default with hardly any notice.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

I looked at my credit report and noticed some things are incomplete and not accurate. I sent a letter to Experian and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. They are breaking the law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 15 USC USC 1681i ( 5 ) it states that this ( 5 ) Treatment of inaccurate or unverified information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( I ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer reporting agency if- ( i ) the person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

This is unfair and if they are doing this to me imagine who else they are doing this too.
Consumer complaint received 2020-06-26
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (LA)

XXXX XXXX XXXX Unauthorized charges successful iconSubmitted XXXX XXXX XXXX Unauthorized charges successful iconSubmitted XXXX XXXX   Unauthorized charges successful iconSubmitted XXXX XXXX XXXX Unauthorized charges successful iconSubmitted XXXX/XXXX  Unauthorized charges successful iconSubmitted XXXX/XXXX  Unauthorized charges filed ftc 60 days ago
Consumer complaint received 2018-01-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: DISCOVER BANK (CA)

XXXX XXXX XXXX, junk debt collector trying to collect on a debt that was XXXX in bankruptcy in 2005. 
Calls repeatedly numerous times of the day. Have explained the debt was XXXX in bankruptcy and asked them to stop calling. They hang up on me and begin to call the next day.
Consumer complaint received 2017-11-29
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (AL)

Pennymac Loan Services bought my original mortgage from XXXX XXXX XXXX in XXXX XXXX. I have an exemption at the court house stating my property taxes do no increase due to XXXX XXXXXXXX. Pennymac is the responsible party for my escrow account, in this matter. I received a check in XXXX stating I was over paying on my escrow account, then a during XXXX of XXXX received a statement stating my escrow was increasing and reflected a negative balance for the cushion. In XXXX of XXXX, the County contacted me stating my property taxes had not been paid, and my name would be submitted to the local newspaper. After contacting Pennymac, a payment of XXXX dollars was paid to the county for delinquent taxes. I have now received another statement stating my escrow account is XXXX dollars in the negative, and they require an additional XXXX for a cushion. I called the company and it was explained they were under the assumption, my CO taxes were XXXX dollars a year, and due to the XXXX dollars paid in XXXX for the delinquency and the additional XXXX - which is my actual yearly property taxes, were paid, including my XXXX hazard insurance - my account requires XXXX dollars to be current. My first issue, is the escrow account and payments are their responsibility, they purchased my account, and I am forced to allow them to handle my escrow account. Secondly, if they paid a delinquent payment in XXXX, how did it take almost 9 months to determine my correct tax amount, and why is the mismanagement of this company constituting a financial hardship on my behalf. I could have budgeted all year long, had I been in charge of my own finances. I have just accepted a lower paying job and am not prepared to pay an additional XXXX dollars for my mortgage a month, after I made this career choice based upon my budget. This happens to be XXXX as well, and receiving a debt collection for XXXX dollars for Pennymac 's poor management, is absolutely unacceptable. In addition, they have maintained this account almost two years, their mishandling should not change my life drastically.
Consumer complaint received 2020-05-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc. (NV)

AARGON COLLECTION AGENCY ( XXXX XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$220.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2017-11-29
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY (CA)

I received a call from XXXX (?? ) XXXX XXXX saying that I am being served a civil suit for a overdraft from XXXX XXXX in XX/XX/XXXX. They said original balance for the debt was XXXX but I owe them over XXXX now. I have looked at my credit report to repair credit but XXXX was never on there and I havent gotten any calls besides this current call ( XX/XX/XXXX & XX/XX/XXXX ) saying I am being served.
Consumer complaint received 2017-11-29
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. (OH)

I have contacted Equifax several times regarding several hard inquiries that are on my credit report. They keep providing me with confirmation numbers but arent providing me with any additional information that would be useful in removing these inquiries that I didnt make. In addition I would like Equifax to provide me with proof of such inquiries : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (VA)

I opened an account with Pnc bank earlier this month just to pay bills. I deposited a check I received from XXXX XXXX  and they initially accepted it and it cleared. The next day they reversed it and charged a returned check fee. They said it was altered which I dont know how. When I used their mobile deposit feature it said my signature was too light so I traced over my name with black ink so they would accept it. If that was the mistake then my bad. 

I reached out to XXXX and they were useless. They said call the returns department or the escalation department. I kept asking them what will it take to get my money back and they wont tell me except for me to give my information to their escalations department. Mind you, Im on vacation and I dont want to deal with this XXXX. I tried to resolve it before vacation but I couldnt. Just run me my money and Ill leave you alone. The only reason why I joined this sorry excuse for a bank is because I could have an account under my married name. It took me almost a year to find a bank that let me open up an account under my married name and let me deposit this check I received from XXXX, despite being born and raised in the US.
Consumer complaint received 2024-01-30
Product: Credit reporting 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. (NJ)

I do not recognize these credit inquiries and I have asked for them to be removed and the Bureaus did not do as I asked. 
I am going to tell them that I am providing an identity report which I will attach to this and I am requesting them to be removed because they are inaccurate and not mine.
Consumer complaint received 2021-09-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants' Credit Guide Company (IL)

I had a XXXX  visit years ago over an XXXX XXXX. The XXXX had settled the account with their financial aid and alongside my insurance that I gave to them. They are now trying to falsely report a debt and ask for payment when the balance is supposed to be XXXX.
Consumer complaint received 2018-01-04
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: M&T BANK CORPORATION (TN)

M & T mortgage finalized my request for mortgage modification XX/2016. 
I recently applied for credit and I was denied because of the incorrect mortgage pay history that consist of my mortgage payment amount, mortgage balance, and open date of the mortgage that is being reported by M & T Bank on my XXXX, XXXX, & XXXX credit report. My mortgage balance and payment history is being reported incorrectly. Also M & T did n't report the terms of the mortgage modification agreement that is now my current deed. M & T Bank did n't remove the delinquent mortgage history after the mortgage modification was finalized.
Consumer complaint received 2018-01-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery associates, junk debt collector trying to collect on a debt that was discharged in bankruptcy in 2005.

Calls repeatedly numerous times of the day. Have explained the debt was discharged in bankruptcy and asked them to stop calling. They hang up on me and begin to call the next day.
Consumer complaint received 2018-06-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (NJ)

XXXX XXXX XXXX has been trying to collect a debt that I do not owe. I recently checked my credit reports and it seems that it was a XXXX account that I had back XX/XX/XXXX. I had a prepaid account and did not have a contract with XXXX. I stopped using XXXX services XX/XX/XXXX. All phones and equipment was paid in full and cash Back XX/XX/XXXX. Now it shows that I have two accounts with XXXX one where I owe {$190.00} and the other states that I opened the account XX/XX/XXXX and owe {$780.00}. I do not owe any moneys to XXXX or XXXX XXXX XXXX for I never had any contracts and paid all my equipment in full.
Consumer complaint received 2017-11-29
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Santander Consumer USA Holdings Inc. (MO)

I was at the car dealership for about six hours. I had bad credit and I was looking into buying a new car. They eventually found a lender who asked for many different documentation types than I 've ever had to provide and, after being exhausted from being thrown numbers and needing to get home to my kids, I ended up with a car that had a purchase price of {$26000.00} that I put down {$3000.00} cash AND a trade in of a car appraised at {$15000.00} and my payments ended up being {$530.00} with a XXXX XXXX interest rate. That was adjusted after the fact as well. My debt to income is highly maxed and beyond and I am now stuck in a loan in which I can not get refinanced due to the inability to keep up with the payments and their customer service being horrible. I had explained that I had medical issues and I just wanted to find out how to get caught up. That apparently was not good enough and I was told I was being too " vague '' about my situation. They had already repossessed my car and I had never received a right to cure notification. At one point, someone told me that it had been returned but another denied the statement. I feel that this company, who seems to have already settled a claim in New Jersey and another state, for this same time of practice by extending credit to those who they know are unable to make these payments combined with a highly pressured sales tactic targeted to those with bad credit looking for options. I 'm not looking at losing my car and had a decent credit score before buying this car. I want out of this loan but have no options and am now paying for the repercussions of this loan signed almost in duress.
Consumer complaint received 2021-11-26
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. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX  XX/XX/2021 XXXX XX/XX/2021
Consumer complaint received 2022-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

I ordered some ornaments on XXXX on XXXX for {$43.00}, invoice attached. I returned these items. XXXX confirmed receipt. XXXX issued two refund, one for {$22.00} and one for {$21.00}. They confirmed these two amounts and transaction ID 's. CitiCard however did not credit me for the {$21.00} only the {$22.00}. The vendor refunded me the {$21.00} and it seems as if CitiCard has absconded with my monies and not credited my account.
Consumer complaint received 2017-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

XXXX XXXX XXXX XXXX IL has reported monthly that I am late with my payments. I want this removed from my Experian report. I am in a chapter XXXX bankruptcy and XXXX XXXX is in my package to be paid thru the trustee. I have several other accounts listed in my XXXX and no won else has reported negatively on my credit report. You know why because it 's against the law to report negatively when your listed in a chapter XXXX.
Consumer complaint received 2021-02-08
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On XX/XX/XXXX I looked at my unemployment account to check the balance. At XXXX on XX/XX/XXXX there was {$200.00}. Now on the same day at XXXX I looked again and noticed that XXXX dollars was taken and there was a XXXX ATM inquiry ). So I emmidly contacted Bank of America where the account is and reported fraud. The lady I spoke to said that they will send out a new card and that the one I got will not work. So i ask if there was anyway that I can get it ASAP, she informed me that there's a 7-10 day period. Well this is my only income source so she said that she can expidt it to 3-5 business days. Well the new card got here about seven days after the conversation I had with the customer service representative. So I went to activate the card and now I find out that my account has a freeze on it/closed. I was not informed of any of this activity. So now this is the problem I'm having, I have been back and forth with the unemployment office and Bank of America for one month now and I have gotten NO NOTHING as of answers to why I'm being punished for the act of a hacker that stoled money out of my account. That I can not see any of my statements, I can't even get on the account. Like I said " THIS IS MY ONLY SOURCE OF INCOME '' and now it's been a month and I'm down to eating roughly every two days one meal. And my dog may have to be sent to the pound cuz they are holding my money for I NO REASON AT ALL. I'm sorry but where I come from, that is so unfair that I breakdown every night now cuz it is so overwhelming that I'm at a lose of direction .... Please if there is anything at all that you can do, I will be so grateful My contact info is ; XXXX XXXX XXXX XXXX XXXX XXXX. 24hrs a day Email ; XXXX,,,, and I think you for your time
Consumer complaint received 2018-01-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (NC)

Ditech sold my mortgage to XXXX as of XXXX XXXX. They told me that all payments go to XXXX, now they have put on my credit that I still owe them a payment of XXXX for XXXX. XXXX XXXX, XXXX I sent XXXX XXXX for XXXX, XXXX and XXXX payments. Ditech sent XXXX XXXX to my account for overpayment. Now Ditech says I owe them XXXX payment and it shows up on my credit report that I am a month behind. I called Ditech and they are insisting that I make the payment to take this off my credit report, XXXX says that I am up to date on my payments. Attached are my payments and dates for both companies, look carefully at Ditech XXXX XXXX, XXXX the interest for that month is twice what it is suppose to be for a total of XXXX, when I questioned they told me that was what I owed. But I paid XXXX and they put payment of XXXX, try to figure this one out. I would like to have this cleared and my credit cleared up ... ... .notice that I paid more then the required payment.