davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A. (IL)

I tried to open a bank account recently and was denied. I'm unsure why I was denied because this would be my first time attempting to open an account at a major bank that isn't online. I have tried to reach out to the bank to get the item removed off of my background and remove my info out of XXXX. This has caused issues in my life as far as financial strain & not being able to get a loan during hardships. I have never signed or authorized for an account with PNC bank. I have filed a police report referencing the account and sent it to the bank in question. I need this information removed as soon as possible so I can gain my financial freedom back.
Consumer complaint received 2020-05-27
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. (FL)

SINCE 2019 I HAVE BEEN SENDING PRIVATE NOTICES LETTER TO THE CREDITS AGENCIES, UNFORTUNALLY THEY HAVE NOT ANSWERED WHAT I HAVE REQUIRED FROM THEM AND HAVE CONTINUED COMMITTING FRAUD WITHOUT DEMONSTRATING WHAT IS REQUESTED, NO PROOF OF DEBT, PLEASE SEE ATTACHED LETTERS SEND AND CONFIRM BY GENERAL POST OFFICE BY  FORM XXXX FOR THE MOST RECENTLY LETTERS. THIS ERROR MUST BE REMOVED, DELETED FROM CREDIT REPORT IMMEDIATLEY, OR I HAVE TO FILED FOR DAMAGES
Consumer complaint received 2023-02-17
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. (FL)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX Balance : {$650.00} ; XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XX/XX/2022.
Consumer complaint received 2019-02-26
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: BTH Management (TX)

I took a payday loan three of four times and was paid in full ... after the fourth payday loan the amount and fee was high. I Asked if this will help my credit score because i had payed good four times and they advise they dont report to credit berues agencies so since i was on the forth loan with a high amount or because they traped me to get the loan i asked '' so if i cant payed it they wont report me '' ... cause it is not fair if i pay they will not report it but if i dont pay for it why reported if they dont report when the accounts are payed ... i think is unfair..named is XXXX XXXX XXXX XXXX XXXX XXXX off XXXX ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX XXXX ) XXXX and this is who reported me without authorization from me or not knowing i already payed four paydayloan ... .s and want to report them ...
Consumer complaint received 2019-02-26
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC. (IL)

Navient has called me at work over five times in total. After the very first call, I made it clear to the representative on the phone this type of communication is prohibited by my employer and they are not to call my work number. I then gave the rep my personal number, verified my address, and gave them the best time to contact me. This first instance was over a year ago. 

In this month alone I have received XXXX more calls from Navient at work. I received a call on XX/XX/19, XX/XX/19 ( the rep hung up when I answered XXXX, and again today on XX/XX/19. On the XX/XX/XXXX call, I reminded the rep that my employer doesn't want me taking these calls and could lead to trouble. I again gave them my number and best times to call. The person on the phone confirmed that they would use my given method of contact to communicate with me in the future. 

During the prohibited office call today, I asked the rep immediately if there were any notes from my XX/XX/XXXX discussion with them. They noted everything that was discussed on XX/XX/XXXX except for me telling them not to call me at work. This is utterly ridiculous. I would've hoped that after explaining to the Navient reps that calling me at work is strictly prohibited that they would stop. This has not been the case. 

I am attaching a signed document that I have faxed to Navient tonight stating that they are only authorized to contact me at the address and number listed.
Consumer complaint received 2018-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OH)

I would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice including the XXXX . report and other furnished Lexis Nexis regrading all personal information of mine. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply. 
the following address need to be removed from my report and file XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OR XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX CT XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OR XXXX
Consumer complaint received 2019-02-26
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Grant & Weber (IL)

XX/XX/2019 XXXX XXXX  1. Collector implying a delay in getting back to him after I requested to contact the original creditor to verify why debt came to collection, since payment plan was in place. 
2.Collector suggested to me to use one of my credit cards to pay off the medical bill that is in collection because I have a good credit. 
2. He threaten to report me to an agency for non-payment of a medical bill that I have a payment plan and have honored. 
3.Collector told me that I don't belong to the category of debtors to be paying such small amounts and also that I always pay all my other debts except the medical bill. 

XX/XX/2019 1.Collector declined my suggested payment amount and insisted on a different amount. 
2. Stated my call was being placed on hold because " he had to answer another call from someone that was paying him {$5000.00} '' No return call. 

Prior, repeated calls, voicemails and use of strong and pushing language.
Consumer complaint received 2019-02-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IL)

I personally filed a complaint against Navient, alleging that Navient promised that my loan was eligible for public service loan forgiveness, only to find out later that my loans did not qualify. 
Phone recordings from Navient, selectively produced by Navient, seem to indicate that I was told my loans don't qualify. 
However, Navient never told me that my ineligible loans could be made eligible very easily by converting my loans to direct consolidated loans. I assumed that if my loans were not eligible for PSLF that I could never take advantage of PSLF. I didn't know that the nature of my loans could be changed, as Navient never told me they could. Instead, Navient told me I wasnt eligible for PSLF, but that there was good news because I qualified for lower payments with an income- based repayment plan. 
I have a phone recording from Navient ( given to me by Navient ), wherein a Navient supervisor tells me that Navient reps, once they know you are a public servant, are supposed to immediately notify you that to qualify for PSLF, you must convert to a direct loan. I posited that it must not be in Navient 's best interests to tell public servants about converting because that would mean that Navient loses my loan and interest payments to XXXX XXXX. The supervisor agreed with me. Then she reiterated that she was shocked that I wasn't told to convert to a direct loan. 
Navient has had my loan since XXXX. Had they told me about converting to a direct loan back then, I would have been eligible for PSLF by XXXX! Now, I'm not eligible until XXXX, 6 years after i'm scheduled to retire! 
I am also curious as to whether CFPB 's lawsuit against Navient is at least partially based on Navient, in order not to lose thousands of loans, not telling public servants of the need to convert to eligibility direct loans to qualify for PSLF.
Consumer complaint received 2021-05-19
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: EQUIFAX, INC. (NV)

On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section XXXX XXXX a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2019-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

I have contacted XXXX, XXXX and Equifax about deleting the XXXX Account. XXXX XXXX requested this account to be deleted two years ago, yet it still hasn't been deleted. 

Account # XXXX Original Creditor : XXXX XXXX XXXX Company Sold : XXXX XXXX XXXX Account Type : REVOLVING The XXXX  XXXX Account SHOULD BE DELETED AS WELL. Both were paid satisfactorily and are reporting incorrectly.
Consumer complaint received 2020-05-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (MD)

U.S. Bank is claiming mortgage is in default, but all payments were made timely and accurately. U.S. Bank, without notice, increased the amount of escrow by {$52.00} for XX/XX/2020. After U.S. Bank processed my automatic payment for XXXX, I received a call from a U.S. Bank representative stating that I owed {$52.00} plus {$150.00} late fee. In addition, the representative, even though U.S. Bank had received and processed the XXXX payment, informed me that U.S. Bank had declared my mortgage in default. 

On XX/XX/2020, I sent a letter to U.S. Bank identifying its failures and requesting remediation. On XX/XX/2020, I received a letter dated XX/XX/XXXX, declaring my mortgage in default.
Consumer complaint received 2020-05-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Bureaus, Inc. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX THE BUREAUS Reported : XX/XX/XXXX - {$880.00} Needs Attention Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious THE BUREAUS Reported : XX/XX/XXXX - {$880.00} Needs Attention I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2021-02-24
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 — Was not notified of investigation status or results
Company: Conn's, Inc. (TX)

I have sent in numerous dispute letters and validation letters to XXXX XXXX XXXX, XXXX. XXXX XXXXXXXX XXXX, XXXX does NOT investigate Conns Credit corp. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX letter stating that the account was verified. I then send in a letter to see how the information was verified and I never receive a response back. The law states that the consumer has the right to request validation. 
The Fair Credit Reporting Act 15 U.S.C 1681 is the written law and XXXX XXXXXXXX XXXX, XXXX is breaking the law by not abiding.
Consumer complaint received 2021-02-24
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: EQUIFAX, INC. (FL)

Good Afternoon, I recently pulled my credit report through a website called XXXX. I saw there were a few accounts and credit inquiries on my credit report without my knowledge. I am a victim of identity theft. I did some research and come to find out, they are indeed 100 % unauthorized. On XX/XX/XXXX, I contacted the 3 credit bureaus regarding these accounts and they were no help at all. This is very frustrating because I keep on calling and calling and still nothing. I feel like I am getting the run-around. I have also called these companies where the fraud happen and they could not verify my information. I immediately contact the FTC and explained what happen. I have attached the FTC report below along with my driver 's license.
Consumer complaint received 2020-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (IL)

I am trying to refinance my mortgage and XXXX XXXX is reporting unpaid tax liens which is inaccurate. I have even submitted certified tax lien releases and it is still showing on my credit.
Consumer complaint received 2020-03-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CO)

We recently paid off the required 20 % of our loan to get the PMI removed. We contacted Mr. Cooper on XX/XX/XXXX to find out how to begin the process. We were told that they would not remove the PMI because we paid off our mortgage to fast. We were told we have to either wait until the day it would be normally removed or pay over 300 $ to send out one of their adjusters to get our home reappraised and start a reappraisal process. From what I have read this is not proper procedure and they can not add these extra burdens on us without it being in our contract. To achieve the 20 % we needed to pay down our mortgage to XXXX, as of today XX/XX/2020 we are at XXXX.
Consumer complaint received 2021-01-22
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)

Please find my complaint against XXXX XXXX. I have never opened an account with XXXX XXXX and despite their response to the CFPB, although I have contacted them, they have never provided information to XXXX required under Section 609, 611 FCRA. XXXX XXXX is required to provide the nature of their investigation into my complaint or dispute, XXXX XXXX has failed to do so. To simply refer me to customer service does not comply with Section 609, 611 FCRA. Whether or not the identity process passed their test is irrelevant because XXXX XXXX is required to provide specific proof of the time and date of the person who opened the account with them, my authorization to pull my credit report and any and all contracts or agreements bearing my signature and my authority to enter into the contract. 

Please be clear, as of this complaint, XXXX XXXX has failed to comply with Section 609, 611 FCRA or provide ANY documentation to support the alleged debt and derogatory report XXXX XXXX is supplying to Experian, Equifax and Transunion with regard to XXXX XXXX XXXX XXXX XXXX, I did not OPEN an account with XXXX XXXX and they are required to prove I opened an account with them or they just remove the report. XXXX XXXX has failed to comply with Section 609, 611 FCRA and I file this complaint in reference to these statutes. I am also attaching copies of the statutes.
Consumer complaint received 2020-11-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MORTGAGE CENTER, LC (MI)

Every month my statement comes later and later. My first payment was sent to my previous address and took over 3 weeks to reach me. Every month my statement is dated the XXXX of the month, I NEVER receive it before the XXXX or XXXX of the month. This month it is already the XXXX and I have NOT received my paper statement. I have called and all they want to do is take my payment over the phone or for me to do it online. I DID NOT sign up to do it that way - I want to make my payment in a timely manner through the USPS! They are making it almost impossible to do this since my payment is due on the XXXX of the month - I now only have 1 week to make my payment! If they have 'glitches ' in their mailing system, they need to address and CORRECT it! My payment is received and processed by them within 3 days of me mailing it - so I highly doubt that the issue is with the USPS!
Consumer complaint received 2017-09-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC. (GA)

This credit collection agency states that I owe XXXX for a bill that is n't mine. I have never received their services ad furthermore I was a minor at the time of this service. I contacted the collection agency on XXXX17 and was told it was mine and anyone could have gotten it in my name. Well duh is n't that identity theft????
Consumer complaint received 2017-09-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (GA)

On XX/XX/XXXX my house was struck by lightening and hail that seriously damaged my roof, sidings, ceilings and electrical components of my air condition unit. I filed a claim the same day with the insurance company ( XXXX XXXX XXXX ). It took till XX/XX/XXXX for the insurance company to send a check of {$11000.00} as their final offer made payable to my mortgage company XXXX Midland Mortgage XXXX. Midland sent me the check on XX/XX/XXXX to endorse which I did the following day and sent back to them. My XXXX estimate was {$12000.00} after shopping around was the lowest with same warrantee. I have fixed the air condition at cost of {$4800.00} with my own money because I could no longer wait for them due to the heat.I continued to call and write midland mortgage for the insurance check, they will tell me bring this document next time another, eventually XX/XX/XXXX they acknowledged that all documents are complete. It took till XX/XX/XXXX to send me {$2800.00} after many calls and emails to start work which the XXXX refused as inadequate to do anything. I contacted Midland and they told the XXXX to send payment schedule which he did XXXX start XX/XX/XXXX - XX/XX/XXXX XXXX half at start and balance at finish. As at today XX/XX/XXXX, I have not received a dime, I call and send email every other day, is XXXX excuse after the other. I can not get a reason why they are holding the money but I am paying {$2000.00} a month. At this point my roof is about to collapse and the hurricane wind in XXXX did not help. When I ask to speak to a supervisor they will put me on hold and the same person comes back and claim to be a supervisor that is when I started to record them which I informed them but that did not stop the shady practice. I bought this house XXXX years ago, the horror I have had with midland mortgage is beyond XXXX dishonesty and deceit is almost criminal at best.They never acknowledge or respond to letters that is why I only send emails for documentation.I paid for the insurance and I am not asking for a hand out plus they are not paying interest on the money.When I contacted XXXX Adjusting, they told me there is nothing they can do for me and would not give clear reason why they send the check to XXXX mortgage except that is there contract with XXXX XXXX want my house to habitable before XXXX XXXX XXXX enforcement unit steps in which will be troublesome.