davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (AZ)

I have student loans through Fed Loans and I qualify for the Public Loan Forgiveness Program as well as the Income Based Repayment plan. I contacted them recently because they had my start date for paying my loans off by 3 years. I was instructed by them to refile my paperwork for both program ( listed above ). They have yet to contact me about the change to my start date. However, they have notified me that I no longer qualify for the Income Based Repayment plan because " I make too much money. '' My income is the same that it 's been for the past two years and they even admitted to me that they " improperly '' adjusted my payment over that time. But when I 've asked for paperwork showing proof of this, they have n't sent me anything. In fact, they 've implied that they are comparing an after tax gross income to a pre-tax gross income and that 's what explains my change in annual pay. Again, upon multiple requests, they 've refused to send me any documentation of this and, instead, recommended that I go into deferment until the issue is resolved.
Consumer complaint received 2016-09-03
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: SUNTRUST BANKS, INC. (VA)

In 2014 I submitted a complaint ( # XXXX ) against SunTrust and for a long time I did n't see the response. 
When I did finally see the response, I wanted to dispute it. When I call the CFPB they told me I would have to submit another complaint. Since the original complaint I was made aware that the type of loan I was originally given was made illegal years later. This was due to the misleading information on the loan details. The option payments cause a negative amortization with no deduction in the balance.. Plus the payments fluctuate monthly. I have been paying this loan for over 16 years now and have not been able to make a dent in it. I asked for a modification of which they only allowed it for 3 years on a year to year basis. Now SunTrust will not allow me any other modifications. This loan has done nothing but cause me heartache as it is difficult for me to make the payments. Please advise. Thank you.
Consumer complaint received 2016-08-12
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: AES/PHEAA (OH)

My loan servicer is FedLoan Servicing. Their website contains numerous information about managing repayment. XXXX of the options concerns changing the due date of your loan. The site implies this option is available to all loans ( XXXX ). Lately, my rent check and my student loan payment have been taken out of the same paycheck. Due to this, I have received several overdraft fees from banks. I requested that my due date be changed on XXXX via e-mail as instructed on the site. I never received a response. Today, I called my servicer. The representative indicated that I could not change my due date in the middle of the year. Rather, I can only change the due date once the billing year has elapsed. I believe the information on their website is deceptive that anyone can change their due date upon request. 

I want to pay my student loans, however I just need the due date pushed back 6 days so I can avoid other costly bank fees.
Consumer complaint received 2015-05-28
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AES/PHEAA (OH)

I CONTACTED THIS COMPANY VIA US MAIL AND REQUESTED DOCUMENTATION REGARDING THE ACCOUNT AND THE DEBT THEY SAY I OWED AND REPORTED TO THE CREDIT BUREAUS. I NEVER RECEIVED A RESPONSE REGARDING THE VALIDATION REQUEST. I CONTACTED THE ORIGINAL CREDITOR AND SPOKE WITH A XXXX WHO WORKS IN THE BILLING DEPARTMENT. THE REPRESENTATIVE TOLD ME THAT SHE HAVE NO IDEA OF WHAT THE ACCOUNT COLLECTION ASSOCIATES HAVE BECAUSE I HAVE NO PAST DUE BILLS WITH THEM. I REQUESTED AN ITEMIZED STATEMENT, COPY OF THE CONTRACT WITH THE ORGINAL CREDITOR, THEIR LICENSE TO COLLECT IN MY STATE AS WELL AS HOW THE AMOUNT THEY SAY I OWE WAS CALCULATED. RIGHT AFTER I CONTACTED THE ORIGINAL CREDITOR AND SPOKE WITH XXXX, I IMMEDIATLY SENT A LETTER REQUESTING THIS COMPANY TO VALIDATE THIER CLAIM, AND THEY NEVER RESPONSDED. BY FEDERAL LAW, THEY ARE REQUIRED TO VALIDATE THIS INFORMATION WITH ME AS WELL AS
Consumer complaint received 2016-05-03
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: AKT AMERICAN CAPITAL, INC. DBA AMERICAN CAPITAL CORP. (CA)

My Loan Originator/ Realtor signed Documents on my behalf without Authorization to do so. My husband and I were reviewing Residential Purchase Agreement and received word that XXXX XXXX went ahead and completed a Residential Purchase Agreement on our behalf. The Documents were signed Electronically using her own personal email and work email. She does fraudulent things like this often and we are tired of it.
Consumer complaint received 2016-12-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Systems International, Inc. (OK)

I terminated trash service before I moved but unknown to me they kept billing for the service and then turned it over to a collection agency that has reported it the Equifax. 

Calling the agency was rather confusing. They wo n't take the {$92.00} because i say I do n't owe it and they wo n't remove the credit line item either.
Consumer complaint received 2016-07-17
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Credit Card Receivables Fund Incorporated (NY)

Unifund CCR Partners put a hold of {$5000.00} on my checking account. I never received anything in the mail in regards to this debt. They state I owe {$11000.00}, I do not have any debt, have not had a credit card since 2002. Nothing shows up in my credit report. 
I am XXXX yr old man, on SS and workers comp. The bank XXXX, let this happen as well. I have my SS and XXXX direct deposited to my account. Both XXXX and Unifund are in the wrong. This was done on a Friday and I am not able to do anything until Monday. This is causing me stress as I am on a fixed income. 
I am taking legal action for this illegal practice. How can a company put a hold on money without proper notification. I never received a summons.
Consumer complaint received 2015-09-30
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: iFreedom Direct Corporation (KS)

After being pre-approved for mortgage loan, I submitted all documents regarding my bank accounts for the month of XXXX and XXXX. I deposited money into my savings, then was told I needed to show proof of where I got the money from. I submitted that information as well. Then today was asked for my login and password for my bank account and stock account, so she can login and look at them. After researching information online, I found that I should not give that information to anyone. Also loan officer keeps losing information, so I have to refax or resend emails of documents she has requested.
Consumer complaint received 2015-10-16
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Receiving unwanted marketing/advertising
Company: Experian Information Solutions Inc. (GA)

The website : XXXX used by the credit bureaus for marketing only allows for electronic opt-out for 5 years and a consumer must print out and mail in a form to permanently opt-out. This is ridiculous. 
A consumer should be able to permanently opt-out of marketing online, the same as you can for 5 years. Why do they even offer 5 years opt-out? It 's a scam by the credit bureaus to keep people from permanently opting out by making it more difficult and having to mail in a form. 
I do not have access to a printer at home and this is a hardship on plenty of other consumers, I am sure. 
Thank you, XXXX XXXX
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc. (IL)

In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 U.S.C 1681 Section 602 states i have the right to privacy. 15 U.S.C 1681 section 604 ( a ) section 2 it also states that a consumer reporting agency can not furnish an account without my written instruction. Under 15 U.S.C 1666 ( b ) 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 2016-06-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (FL)

I would like to file a complaint against Experian Credit Bureau for discrimination and maliciously refusing to accept my dispute regarding discrepancy on my credit report. I spoke to their representative, XXXX with " Team Majestic '' within Experian Credit Bureau. During our conversation he basically refused to accept any of my disputes regarding outdated student loan accounts on my report. He basically instructed me to contact lenders for documentations to submit to Experian in order for them to accept my dispute. This is completely contrary to XXXX and XXXX whom both have delete all the accounts that I am requesting Experian to delete. I was successfully able to have my credit report with XXXX and XXXX corrected without no delay or unprofessional customer service. All my closed student loan accounts are beyond 7 years, as I have n't attended college since XXXX 2008 therefore they have been in default at least since the latter part of 2008. 

It has been several months with me trying to literally get someone on the phone from Experian to dispute accounts on my credit report. During multiple attempts via Internet I have been redirected to either an " XXXX '' number or a website that required payment for a credit monitory service in order to address any concerns regarding my credit. When I finally contacted someone at Experian who then forward me to XXXX with Team Majestic, my experience was utterly nothing like XXXX or XXXX. I am convinced that Experian is doing something illegal regarding consumer credit services. Furthermore I spoke to several of my associates who have had their credit report corrected by Experian and my situation is different based on my race and non-membership to a Credit Monitoring services. I was recently denied credit solely because of my credit report with Experian. They are destroying any credit opportunity for me because of their unethical service.
Consumer complaint received 2016-05-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (CA)

I have told Experian that the XXXX late payment ( XXXX and XXXX ) appearing on my XXXX XXXX account # XXXX were inaccurately reported since it originated from an error from the bank which I have the auto payment on. They failed to properly investigate it and updated this account with the thw XXXX existing payments on my file!!
Consumer complaint received 2016-04-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (TX)

For XXXX XXXX loan which was declined ( case XXXX ), we applied to XXXX XXXX for the mortgage. The credit reporting ( XXXX XXXX ) was the same lies from Experian, XXXX, and XXXX as with the XXXX reports. I called all the firms after the XXXX report and they agreed that some of the comments were not true. There was XXXX delinquent account, not multiple and that XXXX was due to a XXXX bill sent to my former wife ( over 20 years ago ) at an address I never lived at. I received the bill 3 mos. later and it was Paid. Too many inquiries were noted, XXXX by XXXX XXXX and XXXX which I do not have cards. Since 1976, all accounts paid as agreed and not past dues. Amounts owed on accounts is too high - not true. XXXX account, not accounts, for one month over the last 3 years - all bank revolving accounts are paid each month - XXXX balances. Proportion of balances ( again plural ) to credit limits is too high on bank revolving or other revolving is simply not true - I outright lie. XXXX XXXX knows me and says these reports are a small part, especially when my other financial condition is so strong. These credit reporting services are not being truthful and half truths are lies, not truths. How many other people who rely on their credit to live, have been unfairly treated by these firms.
Consumer complaint received 2023-05-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The Fair Credit Reporting Act prohibits credit reporting agencies from reinserting account information that was previously disputed and removed from a consumer 's credit report. THIS ACCOUNT WAS DEEMED FRAUDULENT AND WAS REMOVED FROM CREDIT REPORT IN XX/XX/2022.
Consumer complaint received 2023-07-06
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. (KY)

15 U.S. Code $ 1681c-2 and Section 605B, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. The accounts below are showing inaccurate information on my credit file report as the debts on each account is not mine : Account # XXXX Account # XXXX Account # XXXX My only address is XXXX XXXX XXXX XXXX # XXXX XXXX, KY XXXX since XX/XX/2000 until Present. No valid information of mine is associated with any additional addresses that may be reporting as mine. The company from Account # XXXX, Account # XXXX, and Account # XXXX has failed to provide a valid wet signature or 1099 form from me. The status of each account should be closed due to required deletion as the debt is not mine. 
These debts on my account are not mine. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer reports under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of accounts listed IMMEDIATELY! 

INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of accounts listed IMMEDIATELY! 

This process through CFPB has documentation proving that XXXX, XXXX and Equifax have Identified me as XXXX XXXX XXXX also known as XXXX XXXX XXXX. Yet each company has recently failed to report accurate credit information. Each document specified each consumer agencys response consistently requesting identification after previously verifying my identity which caused monetary losses up to {$40000.00}.
Consumer complaint received 2023-07-06
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: Nelnet, Inc. (NY)

Dear XXXX, I hope this letter finds you well. I am writing again to bring to your attention the presence of inaccurate information on my credit report related to my account with XXXX. I kindly request your assistance in rectifying these errors promptly. My Account with you has been consolidated in 2021, why are you still reporting inaccurate information below? A wrong name, wrong address, and wrong account? 

1. DEPT OF EDUCATIONXXXX : XXXX Paid, Closed. 
2. DEPT OF EDUCATIONXXXX : XXXX Paid, Closed. 
3. DEPT OF EDUCATION/XXXX XXXX XXXX  Paid, Closed.

4. DEPT OF EDUCATIONXXXX : XXXX Paid, Closed. 
5. DEPT OF EDUCATIONXXXX : XXXX Paid, Closed. 
6. DEPT OF EDUCATIONXXXX : XXXX Paid, Closed. 
7. DEPT OF EDUCATIONXXXX : XXXX Paid, Closed. 
8. DEPT OF EDUCATIONXXXX : XXXX Paid, Closed. 
9. DEPT OF EDUCATION/XXXX : XXXX Paid, Closed. 
10. DEPT OF EDUCATIONXXXX : XXXX Paid, Closed. 
11. DEPT OF EDUCATIONXXXX : XXXX Paid, Closed. 
12. DEPT OF EDUCATIONXXXX : XXXX Paid, Closed. 

I have taken the necessary steps to ensure the accuracy of my records, including reviewing my payment history and corresponding account statements. Based on my findings, I believe the information reported is incorrect and should be rectified, and removed. 

I kindly request that you investigate these discrepancies and take appropriate action to update my credit report accordingly. I understand the importance of accurate credit reporting and its impact on my financial well-being. 

I kindly ask for your prompt attention to this matter. Please provide me with a written confirmation once the necessary adjustments have been made to my credit report. Should you require any additional documentation or information, please do not hesitate to contact me at XXXX XXXX XXXX or XXXX. 

Thank you for your cooperation and prompt resolution of this issue. I appreciate your attention to this matter and look forward to a favorable outcome. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

My name is XXXX 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 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 2023-05-09
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: M&T BANK CORPORATION (NY)

Since XX/XX/XXXX every 7 days someone been trying to open a credit card, checking and online account in my name at XXXX credit card. Since XX/XX/XXXX to XX/XX/XXXX they try 16 times. I spoke to a fraud representative at discover, XXXX XXXX and m & t bank card and they are looking into the situation and also put an alert on my name.
Consumer complaint received 2023-07-06
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. (NY)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDOT BUREAS HABE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' XXXX XXXX XXXX Balance details 0 % paid off Balance {$4500.00} Balance updated XX/XX/XXXX Original balance {$4500.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Education Payment summary XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Open/Never late. 
Status updated XX/XX/XXXX Original balance {$4500.00} Monthly payment {$0.00} Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms XXXX Months Company sold - Original creditor - Comments- Your statement **CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Phone number ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by me THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.

RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.