davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-25
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. (NC)

XXXX  my social and driver license was stolen as a result the individual used my personal information to obtain a property and rent a vehicle causing me to be arrested and charged for a crime I didnt do. I was unable to work and finally got the charges dismissed but the rental company was unable to provide specific information about the person who rented and how they were able to pass requirements to rent without verifying information. I noticed in XXXX they are some accounts in other states and I have never lived anywhere but XXXX nc. I need help with getting this creditors removed and getting my identity back. Earlier this year they used my name to obtain a temp job and I want to know how they have a valid identification card in my name
Consumer complaint received 2022-08-02
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: Professional Debt Mediation, Inc. (RI)

on XX/XX/2021, XXXX XXXXXXXX has added a derogatory mark on my credit report per XXXX XXXX Upon further research, this account was transferred /sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract or written signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA XXXX XXXX has violated my right as a consumer and I'm requesting legal action to remove this account immediately
Consumer complaint received 2020-08-07
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc. (CA)

I've sent several letters since XX/XX/2019 to Firstmark Services/XXXX  disputing to have a late payment marked on XX/XX/2019 deleted. During that time, I called them to have the XX/XX/2019 payment delayed due to unexpected circumstances but they failed to provide me any assistance with forbearance/deferment for that month. As a result, they reported a late payment for XX/XX/2019 to all credit bureaus. During this pandemic, this negative remark has caused a loss and impossible to get approved for residency and other living necessities. 

I have been an exceptional customer paying every month on time. This late payment does not reflect my actual credit worthiness. Therefore, I am requested this late payment be deleted from all credit bureaus.
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX and I'm including it again. 
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
Consumer complaint received 2022-10-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (MD)

I have an FHA loan that currently has escrow that includes a Mortgage Insurance Premium and I have requested that it be removed. My current loan balance is {$330000.00} and I have a 3.25 % fixed interest rate. I have not received a formal appraisal but neighborhood comps list my property value at {$510000.00}. The loan servicing company, PennyMac tells me that even with an appraisal, I must pay FHA Mortgage Insurance Premium for the full 30-years unless I refinance. To refinance would cost me more in the long run and I do not see this as beneficial.
Consumer complaint received 2020-08-07
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MN)

Hello, This is the fourth or fifth time that I must contact this agency to fix the issue. This is not customer friendly or consumer-oriented. The company 'XXXX  XXXX XXXX illegally opened two accounts in my name instead of one. Proceeded to split charges between two accounts, while only sending paper statements for one. Represented that the account was fully paid off with a credit limit of {$1000.00}. Meanwhile, the other account was overdue with a credit limit of only {$300.00}. The website they provided to the consumer was NOT operational and the consumer could not log in. The consumer sensed something was wrong and submitted numerous tickets through XXXX XXXX online portal to alert the company that the user could not log in to view statements and that only statement of {$0.00} due was being sent. Finally, the consumer called 'XXXX XXXX XXXX to find out what is going on, at that time XXXX XXXX has finally admitted that there were two accounts and one was past due collecting fees well beyond the credit limit. The consumer paid off the actual amount due for the item purchased and refused to pay the late fees due to the illegal practices of the company and misinformation. The consumer also requested that all of the accounts be closed immediately. 

The company 'XXXX  XXXX XXXX, instead of waiving fees, recorded the account as 'C/O ' at {$480.00} and stated that they are the ones that initiated the account closure. Not only that, but the company 2 years later are also still reporting this account as 'C/O ' misrepresenting that the card is open/active. 

The company 's XXXX XXXX XXXX ) justification for this illegal practice was that it provided consumer statements via email. The consumer has provided copies and documents of these emails which contain no statement information. The only information they contain is a link to the account with verbiage that the statement is ready. This does not provide any indication to the consumer about any issues or amounts due. 


At this point in seeking resolution for over two years, my rights as the consumer have been severely violated by damaging my credit score and continuously reporting erroneous information to the credit bureaus.
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the following accounts, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-02
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. (TX)

I was patient when it comes to disputing my Credit Report as long as I see progress, but this patience grew shorter over time due to the Credit Bureaus negligence and indifference with their work! I have been trying to correct my Credit file through written appeals requesting the update and correction of the disputed accounts form my Credit File. The last letter I sent to the Credit Bureaus was XX/XX/2022 and up until now I am waiting for the Credit Bureaus to respond. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-02
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WINN LAW GROUP, APC (CA)

On XX/XX/XXXX I received a garnishment notice from my employer for an auto purchase debt that is nearly 10 years old ( approx ). This garnishment notice is attached. 

This debt is a time-barred debt and debt recovery is in violation of he California Rosenthal Fair Debt Collections Practice Act. 

It is well over the 4 year statute of limitations and judgement was files in a county I do not live nor have ever lived and is also not in a county where the debt was originated. 

I received no summons and did not know I was being sued for a debt that is this old.
Consumer complaint received 2018-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (NJ)

Hello. This is in regards to XXXX XXXX XXXX charges from Citibank that were charged on my card every single month since the year XX/XX/XXXX without my permission. I never enrolled in this program and did not authorize these charges. They have been robbing me every single month from XXXX. My request for a refund has been denied by their Executive Response Unit member by the name of XXXX XXXX. They are claiming that I enrolled in this program during a telephone call back in XX/XX/XXXX which absolutely false. I contacted XXXX XXXX several times to request proof of this telephone call of my enrollment, leaving him several messages ... .still to this day did not receive a callback from Citibank XXXX They are refusing to refund my money and will not cooperate in any way. Please help!
Consumer complaint received 2020-08-07
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: V.I.P. MORTGAGE, INC. (AZ)

On XX/XX/2020 I was contacted by XXXX XXXX and was told I should consider refinancing my condominium in XXXX, AZ. XXXX is : Loan Officer V.I.P. Mortgage, Inc. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXX Some three years earlier, I had used XXXX to originally finance my newly purchased unit and she was now offering refinance terms. 

Over the course of a few weeks, I received requests from XXXX and her staff for documents and to sign online documents. On XX/XX/XXXX I met with a notary provided by VIP and signed numerous documents required by various concerned interests. At each point of contact, I immediately responded with the requested documents or signatures and I was congratulated by XXXX for my promptness. On XX/XX/XXXX, I received an email from XXXX stating that my mortgage was approved and funded. I expected to be contacted shortly thereafter with account and payment information. 

Over the following weeks up to today, I have repeatedly contacted XXXX and her staff asking for accounting information and instruction. Each time XXXX would say that her job as loan officer did not include follow up or loan processing. She would say that she would inquire on my behalf, but never gave me a person to contact. 

On XX/XX/XXXX, I received the attached letter ( XXXX - XXXX Notice of Transf ). The contents and instructions were not clear to me. In response to my emailed concerns, XXXX had a colleague, XXXX, call me and she told me to send {$1100.00} to VIP Mortgage c/o XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX. She said further instructions would be coming soon. A check for {$1100.00} was mailed on XX/XX/XXXX. 

On XX/XX/XXXX, I was phoned by XXXX. I told her I was disappointed in her and her companys poor service. I asked if I was being impatient by asking for where my mortgage account was being held and being contacted with payment instructions. XXXX assumed me that waiting over a month from funding was too long and that she would contact the necessary people to get me the details I deserve. 

On XX/XX/XXXX, I was contacted by a XXXX from XXXX XXXX. She said that VIP sent the loan documents on XX/XX/XXXX and that XXXX XXXX had mailed me account/payment instructions on XX/XX/XXXX. I have not received that letter as of XX/XX/XXXX. 

On XX/XX/XXXX, I was contacted by a XXXX from XXXX XXXX. He stated the conversation by telling me that my payment was due on XX/XX/XXXX and they had not received it. He went on to say that I had a 15 day grace period before late charges apply. I asked him to have a manager contact me.
Consumer complaint received 2022-08-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (AZ)

I filed XXXX  XXXX XXXX in 2014, included Sallie Mae student loans ( Notice to Creditors Certification attached ). 

I requested an Adversary Proceeding due to student loans causing undue hardship. Sallie Mae was properly notified, means test was performed and Federal Trustee and Judge approved student loans to be discharged ( Final Trustee Report attached. ) I have been trying to get Sallie Mae, Navient and now XXXX to recognize a FEDERAL COURT ORDER and discharge these loans and remove all negative history from credit reports. I have never been able to buy a home for my family and have suffered tremendously from their inaction.
Consumer complaint received 2017-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: DISCOVER BANK (KY)

Since XXXX 2017, my Discover It Chrome Card has not been showing up on my XXXX XXXX XXXX it showed up from XXXX to XXXX but that was it then the card had dropped of the report and my credit score went down roughly XXXX points. I use XXXX XXXX to keep track of everything and all accounts are correct but the only one missing is the Discover Card on the XXXX report ; it 's on the XXXX and XXXX.
Consumer complaint received 2022-08-02
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

In XX/XX/XXXX I entered in a consolidation agreement with a XXXX XXXX XXXX to consolidate my student loans with XXXX XXXX XXXX XXXX. I contacted XXXX and was informed that my student loans would be in forberance while the loan was getting consolidated and paid by XXXX which would take around 2 months. The loans were consolidated and XXXX was paid in XX/XX/XXXX. However, XXXX has since then continuously reported 60 days late on my credit profile even though I should have had a temporary forberance period. I have written to XXXX to request a good faith removal as this was not reported accurately. XXXX refuse to XXXX my request. XXXX has reported 60 days late in XX/XX/XXXX to XXXX and XXXX credit reporting agency and has reported to Equifax 60 days late for XXXX and XX/XX/XXXX even though they were paid and the accounts closed in XX/XX/XXXX. Their report on my credit profile are inconsistent and incorrect as some loans state late XX/XX/XXXX and others state late XXXX and XX/XX/XXXX. They have reported the loans were paid XX/XX/XXXX, XX/XX/XXXX XXXX agency and XX/XX/XXXX to another agencies. These dates are not consistent. The reporting is inaccurate. XXXX was paid off in XX/XX/XXXX, so how can they report 60 day late for both XX/XX/XXXX and XX/XX/XXXX. Please I urge someone to look into this company 's and credit reporting agency unfair credit reporting practices.
Consumer complaint received 2019-09-02
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NV)

XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$4400.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2019-11-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC (FL)

On XXXX XXXX I made this " purchase, rent '' of 2 mattress in XXXX, XXXX XXXX XXXX XXXX XXXX, for the amount of {$860.00} with a down payment of {$53.00}, later on I made a phone call to the company ( ACIMA ) making a plan of liquidate the purchase in 3 months to pay early in order not to get interest. First off all in that phone call no one specified me that if I miss a payment I would be place in a new contract with this tremendous inhuman interest rate. Well, without letting me know they subtract from my Visa Card my first payment of {$280.00} on XX/XX/XXXX, on XX/XX/XXXX they subtract the second payment of {$280.00} out of 3 payments agreed, when they try to collect the third payment again without letting me know, the credit card company where I was making payments with, reduced my credit line and I had no notice of that, leaving the third payment without enough founds to cover. ACIMA did not have the courtesy of notify me immediately, I would of find another payment method to cover this final payment. I try to make this final payment as agreed but they did not accept and now they are charging me a total of {$1200.00}.
Consumer complaint received 2021-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MI)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2020-08-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: PNC Bank N.A. (MI)

I tried linking my XXXX account with my pnc account ( which i need to do in order to start investing with XXXX  ) and it said that pnc " made a change '' which i dont know what it means and it didnt give me any information regarding it, this issue needs to be resolved if i am to use pnc services going forward.
Consumer complaint received 2019-09-02
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: WELLS FARGO & COMPANY (NY)

I just received the most disappointing response of all to date from Wells Fargo Representation as they've made no attempt to explain they're newly redefined modification terms hat was offered to me back in XX/XX/2010. Little do they know that I had given the modification to legal experts for review and they themselves found no fixed rate offer, but somehow Wells Fargo after a month of reviewing their own Modification determined that it was a fixed rate modification offer after all ... So sad to think that the modification I was looking for from Wells was offered nine years  ago, that is if you are to believe whats being conveyed today because you wouldn't know it by reading the then proposed modification? Any legal action resulting in a court hearing would definitely rule in my favor, which is probably why Wells Fargo 's latest response is the most cryptic and deflective of all, and yes thank you for all the past miss-information and inconsistencies as they will serve me well. I know Wells Fargo 's culpability all to well and as far as this platform for resolve Wells has hired  all actors playing the part of support and resolve specialists, but all they do is look for ways to slither way unscathed and check their box.
Consumer complaint received 2020-08-07
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. (MO)

On XX/XX/2020 I filed a dispute with XXXX & EQUIFAX regarding a collection account listed as XXXX XXXX. The account was sold to another company called XXXX XXXX XXXX  XXXX. This account was paid in full - as noted by the letter I received from XXXX XXXX, and should NOT be still listed as a collection account. 

XXXX sent me the results of their investigation dated XX/XX/XXXX, XXXX in which they indicated that the account was removed from my credit file. As of XX/XX/2020 the account is STILL showing up as a collection account. This is a violation of the Fair Credit Reporting Act and should not be tolerated by this credit reporting agency. 

XXXX  needs to honor their statement in the investigation results they sent me and REMOVE this account from collections IMMEDIATELY!! 

I've spoken to several people by phone who only files more disputes, which is totally and absolutely incompetent and wrong!