davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (NC)

Our loan was sold to this company and we had no warning or say so. The loan was originally in both my wife 's and my name but this company took me off. This past XXXX they failed to send a bill for our mortgage and we did n't notice it until they sent a past due notice with {$77.00} late fee tacked on. My wife called them and they said not to worry, just send the payment. We did. In the meantime, they sent a letter admitting to the mistake. We kept getting late payment notice 's and warnings that we were in jeopardy of losing our home. My wife kept calling them, they said not to worry but, the warnings kept coming. We are now waiting for them to send a corrected payment slip showing the amount due. My wife has had XXXX and ca n't handle the stress. Please do something about these incompetent people.
Consumer complaint received 2015-04-08
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (OH)

We opened a free business checking account with PNC. The purpose of this account was to collect publishing residuals. We chose a free business checking account as we knew at first there would be very little money coming into the account. In XXXX 2014, PNC started charging us {$14.00} a month for this account. We neither knew about nor agreed to these terms. While gathering our paperwork for our accountant, we found that this account had only {$28.00} in it since PNC had taken out a total of {$110.00} without our consent.
Consumer complaint received 2015-09-22
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: PNC Bank N.A. (PA)

PNC Bank advertised on a large screen TV at the XXXX Branch a " loan discount '' of {$500.00} for a new, qualifying home mortgage if you set up the loan payment as an auto-deduction from an existing PNC account. I had just begun the loan application process and asked my loan officer if I was eligible. He said I was. I was told at closing the " loan discount '' would be credited to my checking account after the first auto-deduction. Following the first auto-deduction from my checking account in XX/XX/XXXX, I was then told the loan discount would be credited to my checking account 90 days after the loan closed. After 90 days, I am now told that my " complaint '' will take several weeks to research. The same scenario occurred with a friend of mine getting a PNC mortgage at the same time. After many phone calls, they did finally get the loan discount credited to their checking account but were so angry at the effort it took to get a benefit that PNC had advertised, they moved all their accounts to XXXX bank. I have had account with PNC for 30 years and feel that I deserve better treatment. It is not a huge sum of money, but if they are going to lie and not follow through with this promise, why should I now believe anything they tell me. I have placed on hold any further business with PNC until this is resolved. I have attached a document containing emails between myself and PNC. The Loan Officer was XXXX XXXX, followed by XXXX XXXX when XXXX was no longer available.
Consumer complaint received 2016-03-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: One Source Technology (MD)

On XXXX/XXXX/2016, Asurint provided a employment background check report on me for their client XXXX XXXX XXXX. Asurint claimed I had a criminal misdemeanor charge which I disputed directly with the prospective employer and Asurint as not belonging to me and identity fraud. The report in question clearly states charges against a XXXX XXXX XXXX ( my name is XXXX XXXX XXXX ) with addresses not used or belonging to me. Asurint fraudulently stated the criminal report claimed alsias ( es ) XXXX XXXX XXXX which is not true. The criminal report clearly states criminal charges against a XXXX XXXX XXXX and it does not state anywhere in the charging documents XXXX XXXX XXXX was charged with a crime or XXXX XXXX XXXX was using an alias XXXX XXXX XXXX. 
The criminal charges does not show or state both XXXX XXXX XXXX and XXXX XXXX XXXX were both charged with a crime or using aliases. The criminal report does not reflect my social security number and I have disputed use of addresses listed on report to all the specialty resellers supplying inaccurate date to companies like Asurint that are using inaccurate addresses to associate or attached my name to criminal charges. 
Under the FCRA I requested Asurint to validate their claim and provide the actual charging documents showing my social security number and charges against XXXX XXXX XXXX or courts records clearly stating XXXX XXXX XXXX was using a alias XXXX XXXX XXXX to date Asurint is refusing to valid their claim and supply the information. 
In addition, I requested the names, physical and emails addresses, telephone and fax numbers and contact names of all parties associating my social number with said inaccurate addresses to date Asurint has refused to provide this information to allow the consumer to dispute the inaccurate information directly with their source.
Consumer complaint received 2016-06-29
Product: Credit card — 
Issue: Rewards — 
Company: PNC Bank N.A. (CA)

I tried to claim the rewards benefit accrued on my account of {$63.00} but PNC BANK refused to give it to me. They claim there is a & {$75.00} minimum rewards balance required to claim the balance. Yet when I read the Terms and Conditions or scour their website, there is nothing supporting that statement. Still they refuse to issue a check for my rewards balance. I am no longer interested in holding a card with a company with such terrible business practices.
Consumer complaint received 2015-09-16
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (WV)

RE : Predatory Lending Practices XXXX Loan ( XXXX XXXX Dear Consumer Protection Agency, I purchased my first home in 2007 in XXXX Virginia. As I am now speculating that I may have been a victim of predatory lending practices being approved at a high interest of 6.37500 % for 30 years. 
For the last two years or more, several unsuccessful attempts at a mortgage loan modification have been attempted. The last attempt at a mortgage loan modification has been especially painful with Quicken Loans for the last four months to be told that I have to wait until XXXX. All of the necessary documents were sent to them Quicken. All of the necessary documents were reviewed. They requested that I open a new credit card line, charge on it, and pay ... ..and I did. 
Through all of this, I have also been told that I should have been in direct contact with my loan servicer, XXXX owns my house. 
I can not say how tired of the run around I am getting now as a possible victim of predatory lending practices. I am writing a little desperate for help and guidance as the suspected outcome of all of this should be a loan modification with a lowered interest rate that might in turn drop my monthly mortgage on my house.
Consumer complaint received 2016-07-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Rocket Mortgage, LLC (TX)

I am discovering that a HUD was created after closing with XXXX XXXX on XXXX XXXX XXXX and also learned that there is prior contamination to our property not disclosed to us at any point and time. Ever since we bought this house we have had so much fraud on almost every account we have. My XXXX and XXXX accounts have also been hacked into and I have since learned that quicken loans owns both of these companies. My biggest concerns are why there was a HUD created 9hrs after closing documents were signed me and XXXX XXXX. The stress from this entire process has caused so many problems in our marriage that we are no longer even living together. After almost a full year we set up auto draft with quicken loans in XXXX XXXX. XX/XX/XXXX-XX/XX/XXXX pulled with XXXX issues but in XX/XX/XXXX I got a phone call from someone claiming to be quicken loans stating our payments were now coming back invalid. I called my bank and they read the numbers to the rep with quicken loans and discovered a number was now missing from the account number. Now quicken loans claims that never happened and instead numbers were swapped around. Either way it happened it should have never even happened with an account prevoisly set up on auto draft and not having prior issues in the months prior. I asked for copies of my escrow checks and the rep XXXX denied me access to these checks and said I did n't have good reasons to request these checks. Now the EPA is claiming their is a criminal investigation for fraudulent sale of the property and that i should have been given a disclosure at closing about what the land was previusly used for. I can also not find a release of lien on a mechanics lien filed with XXXX county in XX/XX/XXXX and I can only find a partial release
Consumer complaint received 2022-08-03
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. (GA)

Date : XX/XX/XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX SSN : ***** XXXX Contact : ( XXXX ) XXXX XXXX Disputing Inaccuracies on My Credit Report Equifax XXXX XXXX XXXX XXXX XXXX GA XXXX To Whom it May concern : I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. It is inaccurate because I have lived at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX for five years and I have never lived in these addresses reported on my FICO report and incorrect names places on my credit report as well. Please consider this a formal request to investigate and correct the following ( 3 ) inaccurate addresses on my credit report issued by your agency and ( 4 ) different names thats fraudulently not mines. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of XXXX. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. The following addresses/ Names listed below : 1. XXXX XXXX XXXX XXXX XXXX GA, XXXX Address ID # XXXX Multifamily 2. XXXX XXXX  XXXX XXXX XXXX XXXX FL, XXXX Address ID # XXXX Single family 3. XXXX XXXX XXXX XXXX XXXX NY, XXXX Address ID # XXXX Single family 4. XXXX XXXX XXXX Name ID # XXXX 5. XXXX XXXX Name ID # XXXX 6. XXXX XXXX XXXX Name ID # XXXX 7. XXXX XXXX Name ID # XXXX Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

This is the second time I have informed the CFPB and the 3 major reporting agencies of the illegal activity regarding my consumer report. I have had no communication nor contact in regards to using my personal identifying information and I have not been given any remedy. This is my last attempt to do so before I file suit against all parties involved for failure to follow the guidelines of the FCRA. I have attached another letter for review of the accounts and inquirers in question.
Consumer complaint received 2016-08-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BB&T CORPORATION (VA)

BB & T failed to notify me of an increase in my monthly mortgage payment. I continued to make monthly mortgage payments and BB & T continued to receive and accept my on time payments. In XXXX and XXXX BB & T reported my mortgage payments as not as being paid for two months to the credit rating agencies. 

I learned of this when I called BB & T to inquire as to why I had not received a new mortgage coupon payment book. I than wrote BB & T and informed them I never received any notification from them regarding the change in mortgage rates and its effect on my monthly mortgage payment. I requested BB & T provide proof of a delivery confirmation of mail sent to me and that it was successfully delivered. Any financial matter that could have an adverse effect on anyone 's credit rating should require a delivery confirmation. 

I have paid my monthly mortgage payment on time every month and BB & T has received payment before the due date. The months in questions are XXXX and XXXX 2016 which XXXX shows funds posted, received and accepted by BB & T. When spoke with a BB & T representative I was informed that the payments were posted to my account. 

How can funds received for on time payment by BB & T get posted and reported as late - where did my money go and why is BB & T allowed to conduct such a questionable banking practice?
Consumer complaint received 2017-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NY)

I have been trying for one month to set up a Trusted ID account with Equifax after their security breach. I have spoken to three separate agents from Equifax for a total waiting time of 2 hours who told me a password would be sent to my email and that password was never sent.
Right now I have been on hold for 45 minutes with Trusted ID after having been given their number.
Yesterday a credit card of mine was falsely used, I believe because of the Equifax breach and yet I can not set up an account with them by email or phone. I believe they are fraudulent in promising credit monitoring for one year free because it is impossible to set up an account. I do n't think they deserve to be one of the three companies with access to credit reporting after this debacle.
Consumer complaint received 2016-01-08
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Seterus, Inc. (FL)

In XX/XX/XXXX, I was approved for funds from the Florida 's Hardest Hit Fund Program and the funds were sent to my mortgagor, Seterus, Inc,. to be applied to the outstanding principal balance. The HFA funds were in a suspense account with Seterus for 7 months. All my calls to request the HFA funds are applied and the loan recast were ignored. On XX/XX/XXXX, I received a " Reamortization Agreement '' letter from Seterus which demands that I agree to extend the maturity date of the current mortgage an additional 20 years. The original mortgage is a conventional 30 year loan originated XX/XX/XXXX. As of XX/XX/XXXX, there are less than 20 years remaining on the original loan which matures in XX/XX/XXXX. Seterus is demanding that I agree to extend the loan maturity another 20 years to XX/XX/XXXX! In addition, Seterus refused to reduce the outstanding principal by the amount they received from the State of Florida Treasury Department. The HFA amount to be applied to the outstanding principal is less than the $ XXXX provided to Seterus from the Florida state 's HHF. I called Seterus and was informed that this agreement is final and they will not make any amendments.
Consumer complaint received 2018-11-30
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 placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E .

Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply.My name is XXXX XXXX XXXX, I recently reviewed my credit report and discovered the following addresses listed. These addresses are inaccurate. XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2023-01-31
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: EQUIFAX, INC. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-02-02
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)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-23
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: EQUIFAX, INC. (AZ)

In accordance to the Fair Credit Reporting act. 
The List of accounts below has violated my federally protected censumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX XXXX XXXXT XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry date Removal date XX/XX/XXXX XX/XX/XXXX XXXX Inquiry date Removal date XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX Inquiry date Removal date XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX Inquiry date Removal date US SM BUS ADMIN ODA XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX POTENTIALLY NEGATIVE Balance Balance updated {$710.00} XX/XX/XXXX XXXX XXXX XXXX LATE PAYMENT Balance Balance updated {$25.00} XX/XX/XXXX. XXXX XXXX XXXX  LATE PAYMENT Balance Balance updated {$130.00} XX/XX/XXXX XXXX XXXX Balance Balance updated SO XX/XX/XXXX Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 
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, 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. 16815-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-09-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (IL)

In filing my most recent employment certification form for qualification towards the Public Service Loan forgiveness program, I had my form denied due to the fact that I did not have an employment end date ( I am still employed, and that box was checked ) ; and it was stated that my employer did not date the form. However, upon review of the form, both sections were filled out appropriately. I called Fed Loans to discuss, and the agent informed me that it appeared the form had been altered for the DATE SIGNED. The agent said the " 8 '' look like it was changed from a " 6 ''. I have filled this form out for almost 7 years and have never had an issue. In speaking with a representative higher up, he told me they never should have denied my form. I ended up having to submit another form, however, am awaiting approval. 

This is just one of many complaints I have had with XXXX, including extensive wait times and forced forbearance on loans during re-certification periods or change in payment amount verification ( as occurred in XX/XX/2014 ).
Consumer complaint received 2017-09-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Vital Solutions, Inc. (TX)

VIOLATION OF MY CRA RIGHT SENDING BILLS THAT I DO NOT OWE THE CREDIT BUREAU ALL TOOK THEM OFF AND ARE SATISFIED THAT I DO NOT OWE MONEY ON A LEASE THAT HAS GAP INSURANCE I SENT ALL THE REQUIRED DOC 'S TO ALL COMPANIES INVOLVED
Consumer complaint received 2017-09-26
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. (PA)

I have previously requested lower monthly payments with Navient, my primary private student loan lender. I consistently have insurmountable issues with them and with repaying the loan. I 'm currently making {$780.00} a month payments on {$89000.00} loans, of which all of them have interest rates higher than 9 % ( two of them are over 12 % ). Effectively, I 'm paying interest only payments every month with minor scrapes into the overall chunk. I can barely afford to pay the {$780.00} a month and need to lower my interest rate with this company but they will not allow me to do so, given the terms of the loan. I 've tried to consolidate my loans with other companies but my debt to income ratio is too high and I am denied time and time again. Cosigning is not an option for me - I have no one willing to take the risk and my mother is fighting a foreclosure on our childhood home. 

I am full on drowning in student debt and am living on $ XXXX a week. I need help and I do n't know where to turn but this seemed to be a step in the right direction. Please, I 'm desperate for help.