davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (VA)

I am an executor of an estate. The beneficiary of real property under this estate is a " successor in interest '' of real property encumbered by a mortgage held by PNC Mortgage. I have provided PNC mortgage with all information requested to validate the beneficiary as a " successor in interest, '' including the Will of the deceased which clearly indicates that the beneficiary is the recipient of the real property. I have now spoken with at least 7 representatives of PNC and have gotten no where. 

PNC Mortgage insists that I as the executor of the estate need to execute a third party authorization form to grant the beneficiary access to the mortgage information. In accordance with the Mortgage Servicing Rules and effective XX/XX/2018, an Successor of interest includes a transfer to a relative resulting from the death of a borrower.
Consumer complaint received 2023-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have a hard inquiry on XXXXXXXX XXXX XXXX ( Bank ) XX/XX/2022, When I spoke to the customer service rep they had told me would be a soft pull on my credit. I tried to explain this to XXXX around XX/XX/2022 and they weren't having any of it. I would have never asked for a increase had I known they were going to give me a hard inquiry. The hard inquiry was done without my consent.
Consumer complaint received 2021-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Armed Forces Loans of Nevada Inc. (NV)

The company reported to both XXXX  and XXXX  that my payments were late ' twice by 30 days for XX/XX/XXXX and XX/XX/XXXX, then 90-119 days late for XX/XX/XXXX, and finally, 60-89 days late for XX/XX/XXXX. I reported a dispute directly to the credit reporting agencies which did not help the situation. My complaint is as follows : 1. My account balance was current for the months of XXXX and XX/XX/XXXX. I had payments clear, plus my account was current in the month pf XX/XX/XXXX which is showing as " no data '' on my credit report. 
2. My account was not delinquent by 90-119, I was current for XX/XX/XXXX and made a payment early XXXX ( XX/XX/XXXX for {$400.00} ) that cleared. 
XXXX. I spoke with a company representative and asked for COVID impact relief to which they said they would not offer.
Consumer complaint received 2020-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$8900.00}, {$8000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8900.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8000.00} -This is not my account. 


-- PERSONAL ACCOUNT 5. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2021-07-14
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. (NC)

I noticed that there were accounts listed on my credit report that I had not applied for. I also started getting notifications from my credit monitoring services about inquires to companies I have no idea how they go my information.
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
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: NAVY FEDERAL CREDIT UNION (IL)

On XX/XX/2023 a response was sent to address the issues of a consumer denial letter. Navy federal consumer denial letter gives misleading information on whom to address in the dispute.
Consumer complaint received 2021-12-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

This has been an ongoing issue with XXXX. I am on a bi-weekly payment plan and they take my mortgage payment and apply it to additional principal and they take my extra payments I make and apply them to my loan. This is a sporadic problem with them. I have reached out to them on numerous occasions and my last few attempts to have them call me have gone unheeded. I have exhausted everything I can do even emailing their CEO who has never responded or had anyone in their office respond. Have left messages to have this issue escalated up the ladder and still no calls to me. I feel as though I am paying more interest because of their practices then I should be paying. The last person I spoke with ( XXXX XXXX told me the problem is because I have a bi-weekly payment plan with them. I feel this is absurd as if this was the case it would be happening all the time and not sporadically in which XXXX had no response. I feel you should look into XXXX and see if this is happening to everyone with bi-weekly payment schedules.
Consumer complaint received 2021-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP (MO)

US bank has taken many illegal overdraft fees from me. I have called them multiple times about this issue and nobody cares. I have multiple peers with the same issue, and they all have closed down their US bank accounts because of both my experience and their experiences. US bank purposely withholds funds from going through and doesn't properly show the correct banking balance in order to charge overdraft fees. I have the setting turned on to prevent this. They also wouldn't allow me to turn off a setting that transferred {$100.00} each week when I continuously turned it off. It would send my account into the negatives on purpose. US bank targets young college aged students because they think we are stupid, but evident illegal tactics are being involved. This illegal tactic has taken over {$1000.00} from me and they won't allow me to close down my account and file a settlement. I will continue to tell people to leave US bank to protect their funds until my problem is solved. All I know is I do not have the same problem with XXXX XXXX XXXX, they are a fair bank and way better than US bank who likes to cheat their customers out of money during COVID when everyone is already struggling financially. It makes me sick.
Consumer complaint received 2020-11-22
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: Experian Information Solutions Inc. (MO)

In XXXX of XXXX, I received and reviewed my credit reports from XXXX, XXXX, Experian and XXXX. On them I saw docket numbers : XXXX and XXXX. I then contacted XXXX, XXXX  and Experian and asked for verification on where this information came from. The results were, Experian told me they verified these records through a third party company, XXXX  gave a vague response that it was verified as accurate but did not say from whom. XXXX  said they verified the records through the court. I believe this to be a violation of my rights under the Fair Credit Reporting Act so I reached out to the court here in Missouri. On XX/XX/XXXX I received the enclosed letter from the court stating that they actually do not furnish any of my information to any credit bureaus at all. XX/XX/XXXX I followed up with the credit bureaus to let them know of my findings and I sent them the letter from the court. Ive done all I can as a consumer but I need your help because I am being ignored. It has been an entire year and I have never gotten a response from the bureaus or any further results or authentic verification. Please review the enclosed documentation and remove dockets : XXXX and XXXX from all credit reports immediately. Please send me confirmation when this is completed. I have also included a copy of my license for identification purposes. 
Thank you in advance for your assistance.
Consumer complaint received 2018-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department. Please help me get these items off my credit report so I can move on with my life. 

XXXX XXXX XXXX : XXXX Experian : XXXX XXXX  : XXXX. XXXX XXXX XXXX : XXXX : XXXX Experian : XXXX : XXXX : XXXX. XXXX XXXX XXXX XXXX XXXX : XXXX Experian : XXXX .XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX Experian : XXXX : XXXX : XXXX XXXX XXXX Experian : XXXX
Consumer complaint received 2018-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department. Please help me get these items off my credit report so I can move on with my life. 

XXXX XXXX XXXX : XXXX XXXX  : XXXX Transunion : XXXX. XXXX XXXX XXXX : XXXX : XXXX XXXX : XXXX : XXXX : XXXX. XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX : XXXX .XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX : Transunion : XXXX XXXX XXXX XXXX : XXXX
Consumer complaint received 2024-02-03
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. (TX)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 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 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-08-12
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (VA)

I have tried to retrieve the promissory note for this loan that was signed for but I am unable to pull any information on it. I asked two representatives about this and they stated they have no information to provide me but that I needed to make a payment. I tried to notify the company prior to defaulting because I was in the hospital not working. I advised numerous representatives who only stated I can make a payment they cant help.
Consumer complaint received 2019-08-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (FL)

I do not owe this office ANY money for anything at all. They have billed my insurance for a sleep study that did not occur, and they are trying to get me to pay this frivolous bill. They have sent it multiple times saying it's for not showing up for a sleep study - but 1 ) sleep study was never conducted, and 2 ) they were aware I was not going to be fit to participate in the sleep study. 
I've called them, and they have me leave messages, which are never returned, and then when I have talked to someone in the office, she said the {$250.00} should be dropped - and should never have been charged - but she did not have authorisation to remove charges ( only to add new ones ). When I tried to take care of this and resolve it in person, while in their office, and asked to speak with the office manager,  she said it was not up to her. Basically, I was getting the run-around while in person. 
Then, they would call, and send a LOT of mail trying to bully me - threatening to sue (? ) while all along I kept telling them that I don't owe them anything for what they're claiming, and don't understand why I can't get through to them. 
I do not owe this office a cent.
Consumer complaint received 2021-05-05
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. (IL)

Hello. i HAVE SENT A LETTER OVER A MONTH TO THE CREDIT BUREAUS ABOUT THE ACCOUNTS ONMY CREDIT REPORT. thEY SHOULD DELETE TO INACCURATE UNVERIFIABLE ACCOUNTS. THEY ARE IN VIOLATION.
Consumer complaint received 2021-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

XXXX XXXXXXXX XXXX has reported on checksystems ID # that they suspected me of fraud in XX/XX/17 for an amount of XXXX $ rtn XXXX XXXX. They have impacted me from getting any other accounts for my new business and personal accounts at any other banks. This information is wrong there was no fraud. I did own the account and I never did anything that should be reported as fraud. I demanded XXXX XXXX XXXX to remove this or show proof through check systems but nothing has come out of it. I do know that I left the account in a negative balance but was going to pay it off as soon as I had the money. Also, I suspected XXXX XXXX XXXXXXXX of adding more fees and changing the dates on the closed date with the intent to keep it on my report for a longer time. I tried opening a business account but with no success due to this reporting. XXXX is acting like a vigorish loan shark and borders on the side of illegal.
Consumer complaint received 2021-05-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

Our mortgage was transferred to Shellpoint Mortgage, effective XX/XX/2021. From the time of receiving notice of the transfer from XXXX XXXX XXXX  to Shellpoint in XX/XX/2021 through the end of XX/XX/2021, we received no communication from Shellpoint. Even after calling repeatedly to ask where to send our mortgage payment and to confirm that our property taxes needed to be paid out of escrow on XX/XX/XXXX, we were told they couldn't help us because our mortgage didn't show in their system and probably would not show up until 10 days after the effective date of the transfer. It finally showed up in their system XX/XX/XXXX. However, our property taxes had still not been paid and we were by that time, in default. I notified them of this multiple times leading up to the due date and after. I also notified them of our upcoming insurance renewal on XX/XX/2021. I sent over our bills, called every single day for a period of 2 weeks and got NO help and no assurance. Finally, on XX/XX/XXXX they sent me a " payment history '' apparently showing that our property taxes and insurance had apparently been paid. But they could not tell me how they were paid or give me any sort of confirmation number. As of today ( XX/XX/2021 ) both bills still show as unpaid. I called our insurance provider who said they had still not seen anything from them. We are now sitting on unpaid property taxes and are greatly concerned that our homeowners insurance will lapse due to non-payment. Shellpoint does not answer any emails, is useless when you call, and refuses to help in any way other than pointing to the fact that they have some internal record that says they paid.
Consumer complaint received 2018-07-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ENOVA INTERNATIONAL, INC. (GA)

XX/XX/XXXX {$5000.00} I applied for the first loan in XX/XX/XXXX. I was denied because of a non-traditonal banking account. I have applied several times online since then and I have contacted them. 
Their online system will not allow for me to place an new application. It shows the old application - DENIED. It has been almost seven months and I am not allowed to apply for a new loan. 
They are not trying to correct it. I thought a person could apply for a loan at any time. It WILL NOT ALLOW ME TO PLACE AN APPLICATION ONLINE.
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.
Consumer complaint received 2020-09-06
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: Fidelity National Information Services, Inc. (FNIS) (FL)

Attached below is one account ending in XXXX that was left with a zero balance and was not being used. The bank was contacted In XXXX and not notated of my request to close the account by the representative. I received threatening calls on the behalf of a representative demanding to close the account due to non activity. I agreed that it would be best and asked if my number could be removed from their list for future call. This account remained opened and fraudulent charges was assessed to this account for years including late fees and etc. No notice or documents were ever sent to me regarding their error. After reviewing my chex system report and proceeding to bank else where. I observed and was informed that this negative and fraudulent information reported was the cause of me not being successful in opening an account with other buisness. I am requesting for this account to be removed permanently from my chex system report immediately or there will be further legal action. Attached are emails with was used to open this account proving that I had a XXXX  balance throughout the entire time of this account. This account was left opened for fraud and data breaches for the banks gain. I have already been a victim of identity fraud, have reported it, added a security alert with all credit bureauas, chex system and have done a identity report. My information was compromised and found in over 9 data breaches. I currently have a data breach settlement with XXXX  for XXXX and XXXX and also with FEMA. For banking information, passwords, email addresses, job information, debit card information, social security numbers and other names used to obtain credit without my consent. XXXX XXXX XXXX is also another listed fraud account ending in XXXX.
Consumer complaint received 2018-07-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

I graduated from XXXX XXXX XXXX in XX/XX/XXXX and I started paying my loan shortly thereafter. Navient claims I started paying my loans on XX/XX/XXXX. My husband called Navient and asked them how the balance on my loans now after 20 years of monthly payments be more than the original. He was told because the loan had a forebearance. 
I hope you would investigate these claims because the monthly payment is due to increase to {$410.00} in XX/XX/XXXX. I hope this could be resolved by then. 
Navient recently sent me a letter saying that since I live in a jurisdiction that has been designated as a disaster area, a temporary natural disaster forbearance has been applied to my loans. 
There hasn't been a natural disaster in my area for over 20 years.