davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: HEARTLAND PAYMENT SYSTEMS INC (MI)

I have recently contacted Campus Partners to discuss available options regarding my monthly payment. While I am current on my monthly payments I explained my current financial situation and my concern to fulfill my future monthly obligations. Ultimately, I expressed my intentions to be proactive prior to accumulating missed payments in the future then continuing to fall further behind. Each representative had expressed similarly that they can appreciate my effort to reframe from missing future payments, yet there are no additional repayment options available for me. They continued to explain that if I was currently 31 days or more past due other options would be available at that time. If they are capable of offering other payment options after 31 days past due, they certainly can make those same options available to those that are struggling to avoid late payments. Therefore, after different attempts to voice my concern with various representatives, Campus Partners will still not provide me with an alternative repayment option to avoid missing payments due to my financial situation. 
Since graduating in 2013, each of my federal and private student loans has now transferred to repayment status. I have continued to place my federal loans in forbearance in order to afford the private loans and other monthly expenses. After graduation, the income I accumulated from my employment was insufficient to pay for each private student loan I acquired over my collegiate years. Therefore, I was compelled to utilize the brief forbearance period allowed which is no longer available. Over the last few years, I have been blessed to obtain advancements in my career, which have generated increased wages. Even though my income has increased, the payment obligation for each monthly expense and student loan continues to exceed my total monthly income. Currently I receive about XXXX a month after taxes. My total expense which include current student loans being repaid is about XXXX. If I forgo other monthly expenses and limit my grocery/personal budget, the total expenses could be reduced to about XXXX. Even if the forbearance option was available, I would prefer not to delay my obligations. In conclusion, I would greatly benefit from lowering my monthly private student loan payment.
Consumer complaint received 2022-10-31
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Rausch Sturm LLP (TX)

Dear Sir/Madam, I was send a letter from Rausch Sturm informing me that there is a collection account on my file from XXXX XXXX  and that they were collecting it. Rausch and Sturm never provided validation of the debt. 

In accordance with the FDCPA, I have the right to ask for validation of this alleged debt. This is asking for proof of this and verifying the same. This is inaccurate reporting and has had a detrimental effect on my credit rating and ability to achieve financing. 

Consequently, Rausch Sturm, LLP and XXXX XXXX should be instructed to cease and desist from all collection activities until this alleged debt can be validated. In addition I would expect to see this account deleted from all three credit bureau 's and I will take steps to insure that this happens. 

Rausch Sturm and XXXX XXXX  never provided the following : 1. The agreement which authorizes the creditor to collect on the alleged debt.

2. The signed agreement from the debtor conforming to pay the creditor.

3. The documents regarding the payments made on this account validating the amount.

Thank you for your prompt attention to this matter.
Consumer complaint received 2022-10-31
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EOS Holdings, Inc. (NJ)

In accordance with the Fair Credit Reporting Act, EOS CCA, XXXX XXXX XXXX XXXX, MA 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-12-29
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. (MD)

On XX/XX/2022, I completed a CFPB complaint on Equifax, XXXX, XXXX XXXX, XXXX, and XXXX regarding a bankruptcy report that is showing on my credit report. This is inaccurate information. None of the credit bureaus responded to a letter that I previously sent them in XXXX of 2022. So, I had to do a CFPB complaint to get some actual results and that still wasn't to my satisfaction as there was no method of true verification. The following are the laws that were violated : 1. 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 2. 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction 3. 15 usc 1681a- ( e ) I did not give a Permissible purpose nor did they have my written instruction. I also contacted the US Bankruptcy Courts and they mailed me back a letter dated XX/XX/XXXX stating that they do not send information to the credit bureaus. So, the claim that it was verified by the US Bankruptcy XXXX XXXX XXXX, MD is not accurate. PACER also states on its website that they do not provide information to third parties either. I will be attaching both of those to this complaint. I will be attaching my driver 's license and a copy of a power bill.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

Re : Dispute of Charge-Off Account under the CARES Act, FCRA, and TILA Account Number : XXXX Creditor Name : XXXX Dear CFPB, I am writing to formally file a complaint against XXXX for inaccurately reporting a charge-off account on my credit report. This action is inconsistent with the protections established under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ).

CARES Act During the national emergency caused by the COVID-19 pandemic, I applied for and was approved for a financial relief program provided by XXXX Under the CARES Act, creditors were required to provide payment deferrals or modifications and report the accounts in a favorable status while participating in these programs. Despite complying with the terms of the program, my account was marked as charge-off, which is a violation of this law. 

Fair Credit Reporting Act ( FCRA ) According to the FCRA, creditors and credit reporting agencies are required to report accurate information. Reporting my account as charge-off is incorrect and unfairly damaging my credit history. I am requesting the CFPBs intervention to ensure that this error is properly investigated and that the charge-off status is removed from my credit report. 

Truth in Lending Act ( TILA ) Additionally, under the Truth in Lending Act ( TILA ), creditors are required to provide clear and accurate information regarding credit terms and any modifications to them. I was not properly informed by XXXX about how the relief program would impact my account or how the status of the account would be reported to the credit bureaus. This lack of transparency is a violation of my rights under TILA.

Request Therefore, I request that the CFPB investigate this matter and require XXXX to remove the charge-off status from my credit report, as the information is inaccurate. I am attaching supporting documents that show I was part of a financial relief program and that this charge-off classification is incorrect. 

I appreciate your prompt attention to this matter and trust that you will take the necessary actions to rectify this situation, protecting my rights as a consumer. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

According to 15 USC 1681E ( b ). Trans union and XXXX, did not assure maximum possible accuracy on this account below XXXX XXXX XXXX XXXX. Account is not accurate. And according to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the knows or cause to believe that the information is inaccurate.

I was a student with CRST expedited trucking. I worked for XXXX  months for them. The contract was after 9 months you are free of that contract. I have proof that I exceeded my contract.
Consumer complaint received 2016-08-17
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: General Motors Financial Company, Inc. (IN)

I mailed a letter dated XXXX/XXXX/16 to GM FINANCIAL requesting account verification/ validation for the account in dispute, documentary evidence of my indebtedness for all charges in which they claim I made late payments, documentary evidence of timely billing and timely posting of all payments from opening of account through the present whether or not they claim payment was late, court documentation verifying a repossession order was filed in any Indiana State court with regard to this account as GM FINANCIAL has reported this as a " Repossession '' on my credit record and also requested a notarized statement attesting to their compliance with all provisions of the Fair Credit Billing Act with respect to this account. To date, I have not received any information requested from this company with regard to this account. Return receipt shows " XXXX '' received my request by Certified mail. I have filed dispute with all XXXX major credit reporting agencies on at least three occasions previous to mailing a certified letter. I am awaiting removal of this negative account from my reports as GM FINANCIAL has failed to comply with the Fair Credit Billing and Fair Credit Reporting Acts in which they are obligated to do as required by law. I am asking for your assistance now since this has previously been disputed with GM FINANCIAL, XXXX, XXXX and XXXX and I 've failed to have the account removed as of the current date. I have never had an account with GM FINANCIAL in the past or present. I have never had a repossession of a court order of repossession nor have I received by mail a letter of repossession or by delivery of a court civil process server.
Consumer complaint received 2016-08-18
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

In XXXX of 2010, I received a Discharge of my Ch. XXXX bankruptcy debts. During the time leading up to, during, and in the 7 years since the Discharge I have been consistently current on my payments to my mortgage lender, Bank of America and have rebuilt my credit score to XXXX. I applied to Bank of America to refinance my existing loan, ( NO debt consolidation nor cash out involved ). Two days before my lock-in/application were due to expire, I was advised that without a Reaffirmation Agreement, Bank of America would not proceed with processing my loan and that my application would expire in 48 hours. All other conditions apparently were satisfied. 
I had offered to complete and execute a Reaffirmation Agreement using the form I obtained from the U.S. Bankruptcy Court on-line. ( I understood that the Lender is required to send the Reaffirmation Agreement to the Borrower ; Bank of America has refused to do so. ) I also understand that a Reaffirmation Agreement is not an absolute requirement, and that many lenders make loans without one. 
The bank 's position on this matter defies logic. The refinanced loan would be " clean '', replacing the one that is in their " Bankruptcy Department 's '' books.. Why would a Reaffirmation Agreement be required for a loan which would only be outstanding for a few days?
Consumer complaint received 2016-08-18
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC (CA)

My name is XXXX XXXX. I have had issues with Shellpoint Mtg Services over the past 3 years. They were formerly Resurgent Mtg Services under New Penn Financial. On XXXX XXXX a Reconveyance/Release of Mortgage was recorded in my name by a XXXX XXXX company hired by Shellpoint. I was told it was true and no further action was required. In XXXX, 2016, Shellpoint called me and asked me where was my payment. I told them that I received the Reconveyance/ Release of Mortgage. They stated that they did not know anything about this. I contacted my reps at HUD locally and CA. Oversight Dept, and did receive any official support from them. I later received a notice from Shellpoint that it was an " Error '' on their part, and to reapply for a new loan modification because of the missed payments due to their error. Attached is my response due to their error of negligence, misrepresentation, breach of contract, breach of fiduciary relationship. At present, I do not have money for a lawyer. I am hoping that Shellpoint can be looked at for their bad financial practices. 
Thank you for your prompt attention on this matter. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2016-08-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

We are trying to dispute items on my credit report that are involved in my son 's bankruptcy, filed on XX/XX/2015. In order to file a dispute, they require you to provide copies of your driver 's license, social security card, current bank statement and utility statement, plus another form of ID such as your birth certificate. They require all of this information to be sent through the mail, which opens up a very large door for identity theft. I do not believe it is safe to send all of these items through the mail and have never been required to submit more than two, whether physically or electronically. I refuse to put myself at risk, while understanding the need for verification. We ask for an alternative, or acceptance of two forms of identification, in order to have these disputed items removed.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

All inquiries from XX/XX/year> to XX/XX/year> have not been acknowledged by me and were not made or authorized by me. 
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 2022-12-29
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. (NY)

For the last 2 months, starting XX/XX/2022, I, XXXX XXXX have been contacting this credit reporting agency requesting proof of verification of the items they have listed on my credit report. I have sent multiple letters through certified mail, I have a tracking number to verify these letters were received by this agency. However I still have not received any updates or proof of how these items were verified to be accurately listed on my credit report from this credit reporting agency. I have requested verification for the following items : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX {$7100.00} XXXX. XXXX XXXX- XXXX {$150.00} According to the Fair Credit Reporting Act, 15 U.S.C 1681 Section 609 ( a ) ( 1 ) ( A ) reporting agencies are required by law to verify through physical verification of the original signed consumer contract any and all accounts posted on a credit report. Otherwise anyone can give wrongful or worse fraudulent information. I have asked this agency to provide proof for these above items on my credit report but have yet to hear from them about these items and it has been more than 45 days.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-12-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (ME)

I filed for XXXX this fall after consolidating my loans with MOHELA. Its has been months and nothing has updated on my account. I have worked at approved nonprofits for 20 years. And its like a black hole. I got all the paperwork and XXXX forms in by the deadline. And nothing has really happened. My payment count has been 3 for a long time. 
There is no way to speak to a human being without waiting on hold for an incredible amount of time. I work!!! I can not be on the phone for hours on end. They do not reply to emails and I just can not seem to find any way to talk to a human who knows what is going on. 90 business days is a crazy amount of time. I have worked hard to get everything in and now I just feel like it went in the trash or something.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion 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 TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX TransUnion 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  15 u.s.c 1681 section 602 a the right to privacy act united states 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 instruction 15 u.s.c 1681c. ( a ) ( 5 ) section states : no consumer reporting agency my 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. 1681s-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 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

I AM A VERY RESPONSIBLE PERSON, AND I DONT LIKE TO HAVE MANY CREDIT CARDS AND I DON'T CARRY A BALANCE ON THE FEW CREDIT CARDS THAT I HAVE. ON MY XXXX XXXX XXXX XXXX WHICH WAS OPENED BACK IN XX/XX/XXXX, FOR THE MONTH OF XX/XX/XXXX ITS REPORTING A LATE PAYMENT, WHEN IDDINT EVEN HAVE A BALANCE ON THAT CARD. I CALLED THE COMPANY AND THEY ARE NOT SURE WHY THERE ARE REPORTING A LATE, I CALLED THE EQUIFAX BECAUSE THATS THE ONLY BUREAU REPORTING THE LATE PAYMENT AND TEY SAID THATS WHAT THE CREDITOR IS REPORTING, EVEN THE REPRESENTATIVE AT EQUIFAX WAS CONFUSED WHY THERE IS LATE REPORTING WHEN THERE WAS NEVER A BALANCE ON THAT CARD. I HAVE BEEN GOING BACK AND FORTH BETWEEN EQUIFAX AND XXXX XXXX XXXX TO HAVE THAT WRONG NEGATIVE REPORTING REMOVED FROM MY CREDIT REPORT AND NO ONE SEEMS TO CARE TO HELP ME. I ONLY HAVE 3 CREDIT CARDS AND ALL 3 CREDIT CARDS I HAVE XXXX BALANCE.
Consumer complaint received 2022-05-18
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. (CA)

n accordance with the Fair Credit Reporting act 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 XXXXXXXX XXXX XXXX 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
Consumer complaint received 2022-12-29
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. (CA)

Around XX/XX/XXXX or XXXX XXXX, I mailed a letter of dispute to Equifax, see attached letter, receipt and proof of delivery to dispute some items on the report. 
The XXXX requires that a Notice of Dispute be added to the comment section of the credit report within 30 days of receipt of the consumer dispute. This Notice of Dispute was NOT ENTERED within the 30 days of receipt as required by law for the XXXX XXXX XXXX account ending in # XXXX on my credit report ( for all the disputes ) and as such is a VIOLATION of Section XXXX. This item MUST BE DELETED for this violation of section XXXX. 
Attached are : XXXX, proof of address ( XXXX  XXXX bank statement ), Initial letter of dispute, proof of mailing, proof of delivery and pages from recent credit report proof failure of Notice of Dispute.