davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-04
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. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX, Account # XXXX, Amount {$210.00} has violated my rights. 

15 U.S. Code 1681 states : Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

My name is XXXX XXXX. I am really getting tired of having erroneous information on my credit. The way the credit bureaus disrespect me, the way they disrespect my privacy, is outrageous! I will definitely take further action if this account is not removed!
Consumer complaint received 2016-04-29
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A. (VA)

I deposited our state tax refund check. Which was made out to ( my wifeand I ) XXXX and XXXX XXXX. I deposited it at the merchant square PNC branch atm. That was at XXXX on tuesday XXXX/XXXX/16. Then I recieved an email at XXXX hrs on XXXX/XXXX/16 that the check was not able to be deposited. I had to call pnc and was very Irate and had to get transferred to the escalation team lead who could n't do anything for me. I was told it was pnc 's policy " not to allow checks to be deposited when they 're made out to people not on the account. '' I responded my wife signed the back of it and I signed the back of it. I then asked for the specific policy ; which they could not find. They responded you signed the " checking account agreement. I asked them to read where it specifically says that. Again there was nothing stating that. They said I would recieve the return check within 10 days. I asked why ca n't I go get my check from the branch where I deposited it. They explained I would be getting a copy of that check and not the original. Then I would have to bring it to the branch along with my wife and her ID. I said I want the original check if not and it was a copy then Pnc should have it on file or in the computer and I should just bring my wife and her id to the bank and they just check it. They said that could n't be done. I demanded the original check then. They then were trying to get off the phone and telling us they would cotact us tomorrow XXXX/XXXX/16 at noon I told them I will already be at the branch way before then and that this situation should be taken up soon as they open. This is not the first time these mf'rs have had my money and told me what there going to do with it. I want something done. People 's money and bank accounts should be handled with respect and urgency! This is unethical business practice.
Consumer complaint received 2017-02-22
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A. (MO)

PNC Bank is engaged in the practice of re-ordering transactions to maximize overdraft fees. I have caught them doing so on a number of occasions. I am opted out of " Overdraft Protection '', but they continue to process transactions, including ATM and debit transactions in order to levy further fees.
Consumer complaint received 2015-06-30
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Stearns Ventures, LLC (WA)

I am very sad at this times, after several month waiting on the underwriter to let us know if we were approval or not. The underwriter became to a point that she very looking for item to denied our loan. We feel she wasted out time, and money. We supply every piece of documents they ask for. We feel due to our race the underwriter, made a major factor and denied our loan. Also XXXX XXXX started this problem we try first them then, XXXX small thing pop up and they denied her first, for not a good reason.
Consumer complaint received 2016-09-24
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (PA)

I XXXX XXXX states a complaint to the Consumer Financial Protection Bureau on a very poor reinvestigation by one of the largest credit reporting agencies. Even though I showed proof that my education loans were always in deferment and that the balances were eventually taken over by another service agency, I have never made one payment ever to the US Department of Education. This national agency was only operating as a credit reporting process after the initial procurement of the student loans. The loans were financed privately. Eventually the debt was transferred to another third party. This negative reporting is causing me severe financial hardship. The same credit rating states PAYS AS AGREED, while showing an immediately 90-day late payment status while the debt obligations were deferred from payments. This is highly discriminatory. I am a professional XXXX woman and I find this type of credit reporting to be racially biased and I have zero chance of ever refinancing with this abusive rating process. All credit reporting agencies have a responsibility to maintain the strict standards of not only the Fair Credit Reporting Act, the Fair and Accurate Credit Transactions Act, the Fair Debt Collection Practices Act, in addition to the high standards of equal rights protections such as the Equal Credit Opportunity Act. I believe that the Federal Trade Commission should have a full investigation on racial inequality when it comes to credit reporting processes and that all credit bureaus should maintain the sensitivity that is essential for fairness pertaining to matters of race. My previous complaint brought no action, even though the negative payment history must be deleted permanently. If I do not receive the proper reinvestigation by the credit bureau against the US Department of Education. I will proceed a complaint with the attorney general of my state residency. This improper reporting process is causing me hard financial hardship that can only be understood by minorities such as myself trying to better their lives through education, and working several full time jobs and raise a family at the same time. My credit report needs to have the negative payment history purged permanently.
Consumer complaint received 2016-07-13
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: Cadence Bank (MS)

I have an mortgage loan with Bancrop South and I have been treated like I do n't matter. I have had problems with them contacting me when I have questions or issues. As of XXXX/XXXX/2016 I do n't have homeowners insurance and it is because Bancrop South did n't pay the insurance company when I submitted the documents. I was told by XXXX XXXX that they will also contact Bancrop South also. Well I do n't know what happen but I talked with the Insurance Department of Bancrop South and that was weeks ago and I have n't heard from anyone. As a customer of Bancrop South I was never given the opportunities to lower interest rates, I was denied a loan to refinance my home to get a lower interest rate and never notified of how thing work with escrow. I 'm a first time homeowner and I was never educated on how escrow works.
Consumer complaint received 2016-07-13
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A. (TX)

I was notified yesterday by XXXX that someone has tried to open a XXXX credit card account using my name. This is fraudulent as I did not apply for a credit card from XXXX. One of the investigators from XXXX and I spent the better part of an hour on the phone trying to get someone at XXXX fraud department to answer the phone and all we got was repetitive messages asking us to wait for the next available representative. We never did get to speak to a real person at XXXX. This is is ridiculous and I want to file a complaint about it.
Consumer complaint received 2016-11-17
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: R.M. Galicia, Inc. (CA)

I was hospitalized XX/XX/XXXX and had a deductible of {$3500.00} from my medical insurance company. 
I was paying the hospital directly, but when I called to get my balance, I was told that they did not have any information. I was then contacted by a collections agency, Progressive Mangement Systems. That was in XX/XX/XXXX. 
I made arrangements to pay XXXX per month. 
I received an itemized payment summary and one is for {$1700.00} and another for {$3800.00}. 
I have been unemployed since my illness.
Consumer complaint received 2016-02-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Rhojo Enterprises, LLC (FL)

I had an account with XXXX in XXXX when I was stationed their in the XXXX. I got orders to come back to the states and sent a letter with my orders telling XXXX I have to cancel my account. 

A year later a debt collection agency called Orion Recovery told me I owe over XXXX dollars for unpaid phone bills from XXXX in XXXX. 

Orion has my cell contract, but my contract does n't say anything about a cancellation fee or something about giving a 90 day notice. 

I keep asking Orion Recovery to show me where it says I have to give a 90 day notice, but they wo n't and keep trying to scare me saying I owe them more and more money every day I do n't pay them. 

My XXXX XXXX XXXX building said that this collection sounds like a scam, because Orion says they have a contract with XXXX and they constantly do the same thing to service members over and over again. 

They wo n't reconize my evidence ( audio phone call recording with XXXX and pictures of the mail I have sent. ) I have shown them and they wont prove that I had to give XXXX a 90 day notice. 

I do n't know what to do in a situation where debt collectors are telling me unless I have proof of paying those 3 months I have to pay them and how much I owe them will keep increasing each day. 

I have n't ever taken anyone to court, I dont know how much lawyers cost. Am I stuck paying XXXX dollars to Orion Recovery because it might not be worth the court costs? 

I do n't think Orion will ever take no for an answer because they ignore a lot of information I send them like the XXXX XXXX XXXX act. I believe my contract falls under that category and they wo n't talk about it. Orion also tells me that it is unreasonable for them to contact XXXX for any more information because it is untimely. 

Whoever reads this I really hope you can help me out. I dont want to fork over XXXX bucks when I do n't feel I owe this. I did everything the right way. 

I do n't know what XXXX parties can get them to back down. Logically, my side is correct, I 'm just not very good at being a lawyer.
Consumer complaint received 2015-11-08
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: PNC Bank N.A. (IL)

In XXXX I invested my XXXX into multi-residential apartment units and financed it through PNC Bank. My loan # is XXXX, under my XXXX complaint organization called XXXX. Over the last few years I tried to refinance this loan at existing interest rates which were 3 % -5 % points lower than my existing loan at 6.75 %. XXXX of my attempts were rejected. Over the course of 8 years I 've paid XXXX of XXXX of dollars in interest but principal amount have been reduced by only $ XXXX. After the economic downturn in XXXX, the interest rates dropped and so I wanted to protect my XXXX and leverage the low interest rates, but PNC rejected my requests for refinance, and continues to charge me high interest rates. I also suspect that with the current 6.75 % interest rates, the calculations may be compounded by additional charges which I do n't understand and this could be reason why it is not making a dent to the principal balance. Since the original investment came from my XXXX I want to protect this investment, but at this time I think I am going to be losing a substantial portion of my retirement income since PNC is not ready to refinance. I am XXXX years old, and have little runway to ensure that my retirement income is protected. So need your help to ensure PNC loan practices are in line with standard financing practices, especially those that apply to XXXX investments. During the economic downturn and even to the current day, my XXXX organization, XXXX XXXX has lost money each of the last 8 years. PNC cooperation in refinancing my loan in XXXX, XXXX could have saved me XXXX of dollars in interest payment, and helped me break even at least. I 've not missed a payment on the loan since XXXX, and was hoping PNC would take this into account in refinancing my loan as early back as in XXXX, when commercial loan interest rates were falling. 
Looking for some interest rate relief and retro relief too, as a special case since my retirement investment via XXXX was designed to be my retirement income, in a couple of years time when I retire.
Consumer complaint received 2016-03-16
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CA)

I was double charged for a hotel room. I stayed at the XXXX XXXX on XXXX/XXXX/16. I was charged by XXXX and by the XXXX XXXX for the nights stay. I was double charged. I have disputed the charge with Citi Bank, but they have not resolved the situation.
Consumer complaint received 2022-10-02
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. (FL)

On XX/XX/XXXX I reached filed a dispute with the Credit Bureaus due to inaccuracy on my Credit Report these accounts below In accordance with Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights and failed to do or provide a thorough investigation within a timely matter or legal which is not only disappointing but unfair to me as it impacts me on the daily. 
15 U.S.C 1681 SECTION 602 A states i have the rights to privacy 15 U.S.C 1681 SECTION 604 A Section 2 : States a Consumer reporting agency can not furnish a account without my written instruction Dear : To Whom Receives this letter This Letter is to dispute billing errors I found for the amount of {$5800.00} and {$710.00}. I do not recognize these charges and want these off of my credit report. It's an improper charge which I do not recognize and isnt valid. Please update and remove this inaccurate debt off my report. Due to debt error of this unknow fraudulent bill on my Report in collections. Its put a hold which I didnt realize until I looked into my Report Summary and notice a bill of {$5800.00} and {$710.00}. I need this to be resolved removed and updated. Due to the fact of this debt does not belong to me, I dont recognize or authorized it and want it removed. 
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 Please send me a Copy of my credit report with any updates done or inaccuracies corrected updated removed or validated to the address i have listed. thank you and hopefully we can resolve these inaccuracies in a timely manner due to the impact it has caused me and i hope this will be addressed and corrected.
Consumer complaint received 2016-06-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NJ)

This account does not belong to me and I was unable to verify this debt. I sent a debt validation letter out to XXXX XXXX XXXX and was unable to reach them. Credit reporting agencies are required to provide correct information in order for me to validate this debt belongs to me. My letter was 'returned to sender '. Please see attached photo of returned letter and address on credit file.
Consumer complaint received 2015-11-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (FL)

The company is incorrectly reporting me up to 120 ( 30/60/90 day delinquencies ) days past due while I am in a debt management program accepted by the company in XXXX, 2015. I was never even 30 days late, and have paid as agreed both prior to and after the debt management plan was put in place. The company refunded late charges, but will not fix credit reporting errors. XXXX XXXX sent the account to a third party to administer the debt management program and they refuse to correct the errors. They referred me to XXXX XXXX ' credit reporting division who stated I needed to talk with Customer Service. I contacted Customer Service who stated they can not speak with me and that I need to call the third party servicing the account. When I call them they refer me back to XXXX XXXX ' Customer Service. Nobody will take ownership of this request and keep sending me back and forth to the same XXXX areas and will not help me get their errors fixed.
Consumer complaint received 2017-03-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (PA)

I have an account with Credit Check total. I logged in a few days back and discovered within two weeks a number of unauthorized inquiries processed with about two weeks spend of each other. I am not activity seeking credit a this time SO I require a removal of all unauthorized inquires as this is not right!
Consumer complaint received 2016-08-15
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (TX)

I subscribe to XXXX XXXX XXXX XXXX services so that I may pull my credit reports twice monthly. I attempted to pull and generate a " Printable Report '' on XXXX/XXXX/2016 and that report would not render correctly or completely. XXXX XXXX XXXX XXXX stated other customers are having the same problem. The problem seems to be the XXXX XXXX XXXX XXXX report rendering process as the XXXX/XXXX/2016 report I pulled and saved to my file system displays properly but attempting to redisplay on the XXXX XXXX XXXX XXXX site does not render the report correctly or completely. XXXX XXXX XXXX XXXX states this is an Experian problem but they have no way to obtain a problem resolution status or expected problem resolution date from Experian. Experian sent me a email saying they are working on the problem, but have not provided any updates. Attempts to respond to Experian 's email result in mail rejection due to a full inbox. Bottom Line is XXXX XXXX XXXX XXXX states they have no way to resolve or communicate with Experian technical support and there is no way for me to contact Experian technical support.
Consumer complaint received 2016-10-22
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL (NY)

sent letter to Synchrony Bank , Home Design, to request evidence, bearing my signature, proving the account was reported accurately, verifying 150 days late payments. They failed to provide such proof, did not list the account as disputed within 30 days as required by FCRA 623 ( a ) and FDCPA 807. they also closed the account and notified all XXXX credit bureaus.
Consumer complaint received 2016-01-20
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: SYNCHRONY FINANCIAL (NY)

I have not paid any payments since XXXX 2008 on a dirt bike loan from SYNCB/XXXX. 
The other credit agencies, XXXX and XXXX have taken it off 6 months ago, but XXXX wont take it off. I called up the bank at XXXX XXXX XXXX and they sent it off somewhere 5 years ago, but they are on my credit report.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (NY)

I have been paying diligently on my private student loans since 6 months after college graduation in 2010. This year I was told that my interest repayment was " up '' and I would now have to pay the full amount - {$530.00} per month - this is only private, it does not include federal loans or other bills I have. I can not afford the full amount and therefore called/emailed numerous times in attempts to change my payment so that I could remain in good standing. I was denied three times and told by customer service that they could not help me and that my best bet was to let the amounts go to collections because collections will allow my repayment to be " more flexible ''. My mother is my cosigner on student loans and I did n't want to do this - but I just can not afford the payment with the amount I make and other bills that have to be paid.
Consumer complaint received 2016-09-21
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE (LA)

This company is still reporting a account on my file after i been notified that i have been a victim of identity theft and that i have all the necessary paperwork filed and police reports to support my claim. I 'm in the process of getting a mortgage and this account is hurting me and it is being listed as bankruptcy. I also have a fraudulent bankruptcy filing that I 'm working with the courts and the government to get that issue rectified. I have been dealing with this issue for years now with all my personal information being stolen such as social security number, address, DOB, phone numbers opened under my name and bank accounts opened under my name. I request this company remove my name and social from this account immediately and mark it as fraud so if i choose to do business with this company in the future this issue wo n't stop me. I have attached my police reports and FTC fraud identity theft affidavit which has a letter from the government showing that my identity was stolen in a cyber hack also.
Consumer complaint received 2017-02-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX Credit Reporting : Please be advised this is my second written request. The unverified items listed below remain on my credit report in violation of the Federal Law. You are required under FCRA to have a copy of the original creators documentation on file to verify that this information is mine is correct. In the results of your fist investigation, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? 

You have not provided me a copy of any original documentation required under Section 609 ( a ) ( 1 ) ( A ) & 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and Section 611 ( 5 ) ( A ) of the FCRA - You are required to " ... promptly DELETE all information which can not be verified '' The law is very clear as to the civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the fallowing accounts be deleted immediately. 
XXXX XXXX XXXX {$210.00} Thank You XXXX XXXX