davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-20
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (TN)

I tried REPEATEDLY to get my free annual report from Equifax. When the questions came up it would say that they were wrong and that I had to send in a copy of my license to get my report. FINALLY after another month my report finally came HOWEVER I recently had and identity theft incident of someone using my information to apply for a credit card. It HAS BEEN reported to the company and the police but it takes months to fix this AND it would be more easily traceable if a copy of my license was n't out there when they should have allowed the questions to approve my identity. After searching online I see that it is common issue with getting the free annual credit report for EQUIFAX and I want it resolved.
Consumer complaint received 2016-10-31
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (IL)

Had my computer stolen end of last year or beginning of this year. It had all my info on it all my pass words saved on it and all my dates would fill in any application. with all my correct info hope you can help. Someone tried to get credit card about XXXX or so really dont know exact amount of inquires they made.
Consumer complaint received 2016-03-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (PA)

With Equifax there are XXXX XXXX loans being reported incorrectly on my credit file XXXX # XXXX Date Opened : XXXX/XXXX/XXXX Date Closed : XXXX/XXXX/XXXX LOAN XXXX - Original Loan Amount : {$4000.00} LOAN XXXX - Original Loan Amount : {$3500.00} I was in a FORBEARANCE from XXXX/XXXX/XXXX thru XXXX/XXXX/XXXX. 
As of XXXX XXXX I had the loan payments deferred. There is no way that this account should be reporting as 60-120 days past due. This incorrect reporting has a negative impact on my credit and I 'd like this incorrect reporting corrected. They are also reporting this account with a current status of paid/current when in fact the account is PAID/CLOSED as of XXXX/XXXX/XXXX This account needs to be corrected and updated immediately Current reporting by Equifax Current status : paid as agreed/current ( the account was PAID/CLOSED on XXXX/XXXX/XXXX ) XX/XX/XXXX ok XX/XX/XXXX 60 days ( how did it jump from ok/current to 60 days in 1 month? ) - I was in Forbearance XX/XX/XXXX 90 days - I was in Forbearance XX/XX/XXXX 120 - I was in Forbearance XX/XX/XXXX 120 - I was in Forbearance XX/XX/XXXX 120 - I was in Forbearance
Consumer complaint received 2015-11-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (AZ)

I am trying to remain calm and just be factual, thank you in advance. I disputed XXXX items on my Equifax on previous case XXXX. Equifax has deleted the XXXX. The one I have issue with is the XXXX account XXXX. The attached credit file revision from Equifax , has a note that states " Additional information has been provided from the original source regarding this item '' I need that information. XXXX and Equifax believe my last payment was not made XX/XX/XXXX but in XX/XX/XXXX which just happened to be the exact time we filed bankruptcy, so are we to believe I paid them at the same time I filed BK? 
If they actually received payments XX/XX/XXXX, XX/XX/XXXX I would have received a XXXX for interest they received. I have attached my XXXX from my first mortgage XX/XX/XXXX it 's very small as I only paid them a 2 months and the schedule A itemizing my interest deduction and the signed second page of our XXXX 's. It 's not logical that I would have not paid my first mortgage and for some reason paid the second mortgage, XXXX and then coincidentally not have been issued a XXXX? Would I really file a federal tax return with deducting the interest paid to XXXX, if I had made a payment XX/XX/XXXX, if I had received a XXXX? Why would XXXX not issue a XXXX ... I doubt if they needed too, No payments were made XX/XX/XXXX, so no XXXX was issued. 
If they are reporting my last payment was made in XXXX all I ask is they provide proof.
Consumer complaint received 2020-10-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (TX)

When I checked my credit reports as I often do I saw that THE CBE GROUP placed a XXXX collection on all three of my reports which is false and untrue. 
When I contacted CBE demanding that they provide me with the documentation to validate the debt pursuant to The Fair Debt Collections practices act and the fair credit reporting act they refused to comply within 30 days.
Consumer complaint received 2015-07-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NC)

My husband died 2 yrs. ago after an XXXX. He had medical bills still owing when he died. After the XXXX XXXX XXXX XXXX XXXX reviewed his personal estate, it was found deficient in funds to pay his medical bills. A collection agency, XXXX XXXX, XXXX began contacting me about several bills, of which the bill for {$280.00} was just XXXX of several bills that they attempted to collect. I had hired an attorney, XXXX XXXX ( now XXXX XXXX ), to contact XXXX about several larger bills. Apparently the bill for {$280.00} was not itemized when she had contacted them. I both called and wrote to XXXX XXXX, XXXX stating that this was not my bill and could not be collected from me. XXXX stopped sending statements to me but instead contacted Equifax and XXXX and had this collection placed in my credit report. I notified both Equifax and XXXX that this was not my bill. I sent documentation including my husband 's death certificate and the finding of deficiency in the estate, as well as correspondence to XXXX. XXXX found this does not belong to me and removed the collection notice from my credit report. Equifax is still maintaining that this does belong to me and the collection notice remains on my credit report. I have asked Equifax to review this but they still maintain that I own this bill at this time ( as far as I know. )
Consumer complaint received 2016-11-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

Balance of {$91.00} paid in full, creditor is also reporting the wrong amount shows {$95.00} on Equifax. 

Open Account # 1 {$95.00} Balance XXXX GA Original Creditor {$91.00} High Balance XX/XX/2016 Opened Date XX/XX/2016 Last Reported Joint Account Responsibility -- Remarks Note
Consumer complaint received 2016-01-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (NV)

Equifax wo n't allow me access to dispute items in my file online, even though I 've given Equifax the documentation requested. After receiving both letters, I mailed the requested documents and I still do n't receive any assistance. 


Equifax also reinserted the XXXX XXXX Bank account into my credit file without informing me. This account had been previously deleted. Since Equifax did not inform me within 5 days that the information was being reinserted into my file Equifax is in violation of the FCRA.
Consumer complaint received 2016-02-18
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: PNC Bank N.A. (IL)

I have a mortgage with PNC bank. I also have the property in land trust. Land trust was opened at the same time the mortgage account was opened with the bank 's agreement. I 'm trying to refinance the mortgage, and everything has been approved. I have to remove the property from the trust before I can refinance. I need PNC bank to sign direction to convey as Collateral Assignee to be able to remove the property form the trust ( this is a standard procedure ). PNC is refusing to do it. It 's been 3 weeks already trying to explain to them why this is needed. I have explained, my mortgage processor, the title company representative and nothing has worked. I was told by the bank that they are wasting their time with me for nothing, because i 'm trying to leave their bank. They are holding me a hostage to their service. I ca n't leave them, because they are not letting me. I need help, please. I 'm talking to one person at the escalation team and it seems like he has no idea what I 'm talking about, he is just a middle man that pushes cases and has no idea how to explain it to the proper people.
Consumer complaint received 2015-09-04
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A. (OH)

PNC Bank paid XXXX of my online checks a day earlier than I had scheduled it to be sent. When scheduling an online bill to be paid the actual field is labeled SEND ON and then you can click on a calendar and select a date. I selected my payment to SEND ON XXXX/XXXX/15. It cleared my account on XXXX/XXXX/15, creating a negative balance, so now I have incurred a fee of {$36.00}. When I called PNC Bank, I was told that their policies and practices are explained in the fine print, so they would not refund the fee. So evidently, somewhere the fine print reads, any check you request the bank to SEND ON a specific date, could possibly be sent much earlier and actually CLEAR your account before the SEND ON date you requested? Well is n't that a win-win for the banks. WIN ... .their operations do n't have to be responsible or intelligent and the language they use can be deceptive. WIN ... .they can charge a fee when a payment clears earlier and makes an account negative. XXXX are collected by banks through these fees and on processes the banks have DESIGNED to produce fees. As long as they disclose their inept practices and warn the consumer that their inept practices could cost the consumer, it 's all legal? If the consumer did n't bother to read and comprehend the XXXX page legal-eze that appears before they click to sign up for a service, then any nasty thing that happens is legally the consumers fault? Is it now even legal for banks to use deceptive language, like SEND ON?
Consumer complaint received 2016-06-02
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (NY)

Opened an account at PNC with {$300.00} new account bonus if have minimum of $ XXXX direct deposite and XXXX online payment in the first 60 days. I have met well over the minimum requirements. Spoke to multiple reps in between and was advised that I was doing the right thing, everything is set up correctly and that the only thing I need to do is wait until after 60 days for the bonus to post. After 60 days have elapsed, I contacted customer service and inquired about the bonus. I was told that I 'll receive a response within XXXX business days and customer service was not professional to follow up. I contacted customer service another XXXX times and It was not until then that I was told the direct deposit went to another checking account and hence they refused to award me my bonus. PNC lacks integrity, it 's obvious that the employees mislead and misinform customers intentionally, or they 're truly incompetent. I feel cheated. I had all my earnings with this institution, but only to find that it 's dishonesty and sly. PNC is finding any way it can to deny honoring its words.
Consumer complaint received 2023-04-14
Product: Debt collection — Mortgage debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ProCollect, Inc. (TX)

I have spoken with Procollect and asked them to verify the debt they refused & told me to send them what evidence I had to verify the debt being false. I in return sent a certified mail Debt Verification Letter to the Company ( back in XXXX ) and never received a response which was to be expecting considering the debt they are attempting to collect isn't mine, The Original Debt refuses to send an proof of debt & is no longer in business & all prior management/staff no longer are employed there. So after months & months of being harassed, fraudulent charges and documents forged, monetary amounts unverifiable requested proof & after no response with my Debt Verification Letter this needs to be removed from my credit immediately im the one being hurt and disrespected continuously and consequences need to be brought upon the party involved. This is unacceptable and the business practices of these two companies is illegal and no one should have to be put through this disgusting type of harassment & outlandish accusations.
Consumer complaint received 2018-12-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (AL)

I have tried repeatedly to resolve this issue with Navient 's customer service and they have been extremely unhelpful. I refinanced my student loans and on XX/XX/2018, XXXX XXXX XXXX sent Navient a payoff on my behalf in the amount {$45000.00}. This payment cleared their bank onXX/XX/2018but still has not posted to my account. I contacted Navient several times by phone and was told to " just wait '' until the payment posted. Finally, on XX/XX/XXXX, I was told Navient would need proof of payment before they would begin a check research. I contacted XXXX XXXX XXXX who was gracious enough do a conference call with myself and a Navient representative ( because Navient would not speak with them without me on the line ) and XXXX was given a fax number to send in the proof of payment. I also uploaded this proof of payment onto my Navient online account on XX/XX/XXXX and was told the research would be completed by the end of the month. I have called several times since then to check the status of my research request and no update can be provided. My student loans are now showing past due and I should not have to pay more money when my account with Navient should have been paid off a month ago.
Consumer complaint received 2016-09-05
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: GUARANTEED RATE INC. (NC)

1, On XXXX XXXX, 2016, I was denied application for a mortgage prequalification by GuaranteedRate.com. I am on XXXX and the agent said that I had to guarantee benefits would continue for three years, ( clearly a violation of the Fair Housing Act and the Equal Credit Opportunity Act ), though I did not know this at the time. I asked why a loan would not be underwritten even though I had a XXXX benefit letter to present. He said that the three years continuation of benefits was the company policy. 

2, On XXXX XXXX, 2016, I called XXXX XXXX to inquire there about obtaining pre-qualification. The same occurred, the officer articulated the guarantee of three-years of future benefits policy almost word-for-word.
Consumer complaint received 2015-12-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (KS)

I received notice that my account was past due! I had payment set up with my bank to sent payment each month, and my insurance payment was sent from my credit union account each month. I paid the taxes when they come due. 
In XXXX my payment was returned to my bank no explanation. I contacted my insurance company and payments were sent for period on time. then in XXXX of 2015 the mortgage company sent my insurance company a payment of {$1600.00} which is the total insurance on my property for one year. Then they increased my payment from XXXX to {$590.00} which is an increase of {$380.00} - if you divide the {$1600.00} by XXXX you come up with an amount of {$130.00}. What happens to the additional {$240.00} that they are charging. 
So I sent a letter to the Nationstar Mortgage company w/return receipt requested. Wanting to know why my payment went from {$280.00} to {$590.00} ( I called several times leaving my name, loan # XXXX and a contact number for them to contact me. Never heard from them. ) The registered letter was signed for on XXXX XXXX by XXXX XXXX still no phone call or explanation of why my bill is doubled what it should be. Had they left it alone I was making my house payment out of my bank account, and the insurance payment was automately made out of my savings account. This company has messed with my account and now I do not know what is going on. I am putting a CASHIERS CHECK in the mail for {$2700.00}, which is what they state that I owe. I want an explanation of the charges. that this covers along with an explanation of why they are messing with my account. I have called several times and still can not reach anyone. How can they take over my " LIFE '' by not contacting me or explaining these charges. I want to receive a phone call from someone along with an adjustment on my accountThanks for your help
Consumer complaint received 2015-12-29
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (IL)

Lender failed to give an accurate closing disclosure statement for purchase money mortgage transaction. Lender failed to deliver closing documents to settlement agent on day of closing. Sent to wrong location. Lender failed to deliver mortgage funds to closing on the date of settlement. Sent to wrong location.
Consumer complaint received 2016-11-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (VA)

I have submitted a few different disputes to Equifax. They have not been able to accurately portray the information on my credit report. They do not have the proper credit limit for most of my cards. They are months out of date. In one instance, they deleted my credit card instead of accurately reporting the balance. Also. my husband has added me to some of his credit card accounts and they have not yet added this to my credit score/report. I have also had a medical debt collection paid and agreed to be deleted from the Equifax report. I have tried and tried to fix it, I have tried with the lending companies and with the credit bureau. This is hurting my finances and my credit health because they are not accurately reporting, it makes my usage percent look higher and my credit limits look lower and it makes my credit age look younger than it is. This in turn effects my score and my score effects my interest rates and amounts I can borrow. This is a vicious cycle.
Consumer complaint received 2016-09-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (ME)

This is with reference to XXXX XXXX & XXXX. My wife and I bought a XXXX XXXX from the XXXX. We took delivery following the accident that we were in back in XXXX when we were hit by XXXX XXXX in the XXXX XXXX XXXX accident. Per the Maine XXXX XXXX, Source XXXX and all Credit agencies to remove ALL negative credit reporting pursuant to XXXX XXXX malfeasance. To date, this has not been done. The Credit bureaus were under the direction of the Maine XXXX to remove information and did not. They can not claim that they did not know or were unaware of the expectations that were placed on them. I want the, Credit Bureau to remove all reporting from both my wifes report as well as my own.
Consumer complaint received 2016-12-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (CA)

I am filing this complaint because Equifax has ignored my request to open investigation in regards to accounts listed on my credit report. Being that they have gone past the 30 day mark and confirmation shows they have received my dispute over 30+ days ago, under Section 611 ( 5 ) ( A ) of the FCRA XXXX they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2023-02-08
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I sent a letter to XXXX, XXXX, and Equifax to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 
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 an 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 or 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-03-11
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC. (IL)

I leased my car about three years ago ; the payment has always been automatically withdrawn from my bank account and routed to the finance company through XXXX XXXX. XX/XX/XXXX, the finance company began making harassing calls to me stating that the payments were not being received anymore. I have been in contact with my bank who has also contacted the finance company and the bank and I agree that the payment has been paid/routed the same way so we did n't understand why the finance company was no longer receiving payment being that it had been paid the same way over about three years. The bank re-confirmed the account and routing number with the finance company where the payment should and has been going to. The finance company continued to harass and threaten me, that they we 're going to repossess my car. I would tell them that my payments have been routed the same way and I knew and have documentary proof that I have never missed a payment. On XXXX XXXX, XXXX, the finance company illegally repossessed my car without my consent ; which was a day after I gave the payment for XX/XX/XXXX. I have documentation that proves I have never missed a payment.