davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

American Education Services h as already reported me 30 days late, and I just received another threatening e-mail from them that they are going to report me 2 months late! I am in an approved forbearance. I just had to send them a payment of {$760.00} so that they hopefully not report me late when I am in an approved forbearance. I have already filed a complaint to have th e 30-day late removed. If they report me 60 days late, then I will have to fight to get the 60-day late removed when I am in a FORBEARANCE.   <P/> They approve forbearances, then they send me bills while I am in forbearance and they charge me late fees. I have attached many bills from them where I am clearly in a forbearance but they are still sending me bills and charging me late fees. I had 12 months of forbearance available to me in    XXXX   XXXX   XXXX   and they   continuously make me apply over and over and over again, every 2 months, even though the application clearly states that they can grant you up to 12 months with  one a pplication. Then in the processing time periods between applications, they harass me for a payment until they " approve '' my next forbearance for all o f 2 or  3 months. Then I make payments, like I did in    XXXX   XXXX   XXXX  , and  then they will backdate the start date of the forbearance to begin on a month that I MADE A PAYMENT, and then suddenly I have less a nd less forbearance available. The proof is there in the paperwork. My poor dad was my co-signer on one of my loans and because of this company, his credit score  dropped when he has credit scores in the  XXXX  and has never missed a payment.  <P/> CFPB, please help me with removing this late payment from my credit report. I need to refinance these loans and get away from this company and I can not do that with the late payment on my credit report. Because of the late payment reporting, my  credit score h as dropped  XXXX  points for a loan that I do n't even owe payments on because I AM IN FORBEARANCE. Please help me, CFPB. Please!
Consumer complaint received 2024-10-18
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: Experian Information Solutions Inc. (TX)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 


XXXX # XXXX XXXX # XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-06-08
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: Affiliates Management Company (MO)

The item currently in dispute is a MasterCard that was issued in my name without my knowledge by XXXX. The amount owed is approx. {$1700.00}. Over a year ago, I discovered several fraudulent accounts on my credit report through the major credit bureaus when inquiring about a refinance of my home mortgage loan. After receiving my credit score report from XXXX, it stated that this account is scheduled to continue on record untilXX/XX/XXXX. I immediately contacted each company to inform them that the accounts were fraudulent and requested to remove them from my name and to deactivate the credit cards and loans. Unknown to me at that time, some of the accounts had been open for several years. I had never heard of most of the companies before. I 've had several conversations with XXXX requesting them to remove my name from this account because the card was never received, activated or used by me. In XX/XX/XXXXI provided a copy of a police report and continued to try to convince them that I did not own, use or authorized anyone else to use the credit card. The latest letter I sent was onXX/XX/XXXX, as a follow up from my phone conversations with their representatives that took place on Friday afternoon, XX/XX/XXXX and Monday morning, XX/XX/XXXX. The purpose of the phone calls and letter was to continue my dispute of the fraudulent MasterCard and to advise them that the information from their investigation is inaccurate. I am requesting that ATIRAcredit, or its affiliate agency, XXXX XXXX XXXX, or collection agency, XXXX, remove my name in its entirety from this fraudulent credit card account. Prior to these PII incidents, my credit score was excellent.
Consumer complaint received 2017-06-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

About 6 months ago, I requested for my loans with Navient to be consolidated. Soon after this request, I told called  Navient and  told them I changed my mind, to cancel my consolidation. a few months later, I realized they went ahead and consolidated my loans. I argued this was a mistake. They told me it can not be  UN do ne. They looked through my phone records and told me this request was not found. I then called the ombudsman group and they worked with me and a Navient represent ative. One month ago, my loans were UN consolidated . Most of my loans were separated and I was happy. In fact, this was reflected in my online records. Everything was fixed. The  Navient manager said she was closing my case. I received a phone call today by this same manager apologizing to me and telling me there was a mistake. The reversal of the consolidation was a mistake. They were now in the process of RE consolidating my loans . I can not understand how this happened. How there have been so many mistakes in my case. I want my loan s UN  consolidated. I do not want a consolidation. I do not know who to turn to. Please help.
Consumer complaint received 2019-06-21
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)

Equifax ; XXXX  and XXXX  are reporting 90 plus days late on the XXXX  account number XXXX. ( Please see page 3 of the attached credit report. ) The date of last activity was in XX/XX/2012. This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please remove this line item from my credit report.
Consumer complaint received 2017-06-08
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. (NC)

XXXX XXXX, 2017 Federal Trade Commission Consumer Response Center XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX RE : CREDIT COMPLAINT LETTER To Whom It May Concern : I am writing to file a complaint against XXXX XXXX XXXX, XXXX, XXXX, Equifax. <P/>For the last 2 months I have filed more than 2 disputes against XXXX XXXX XXXX, reporting of my car loan balance and as of this 60+ day mark the issue has not been resolved. <P/>I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with XXXX XXXX XXXX to date. Today I received another letter from XXXX stating that XXXX XXXX XXXX has properly investigated my balance and is still reporting my balance as {$19000.00} since XXXX 2017 ( recently updated in XXXX the same balance. I also received an alert from XXXX that my balance is {$19000.00} and has been so since XXXX, 2017 I continue to send the same documentation to the XXXX, XXXX and Equifax ; I have called XXXX XXXX XXXX and the representative was clear that my balance is not {$19000.00} as being reported by the company to the credit bureaus and the credit bureaus are not reviewing the documentation as they are supposed to. Enclosed I have copies of my auto loan statements from XXXX, XXXX and XXXX as you can see the statement dates are the XXXX of the month and no not show a balance of {$19000.00}. According to the FCRA I have a right to an accurate credit report and this is not accurate. If the credit bureaus refuse to report the information properly then I have a right to damages for non reinvestigation. <P/>I am requesting your assistance in putting an end to this matter. If you have any questions or need additional information, please contact me at the address listed below. <P/>Thank you for your assistance. <P/>Sincerely, XXXX XXXX
Consumer complaint received 2019-05-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: MEI AUTO FINANCE INC (TX)

InXX/XX/2019I needed to submit a pay date change because my pay at my job changed from biweekly to semi monthly. The representative in XX/XX/XXXXtold me to fax my paystubs showing semi monthly which I did and over the recorded call I stated my new pay was now on the XX/XX/XXXXand XX/XX/XXXXif every month. She sent me a modification for paydate and I signed it. What I did not notice at the time is she made NO change to the agreement because the XX/XX/XXXXand XX/XX/XXXXthat month still happened to fall on a biweekly every other Friday. Every other Friday since XX/XX/XXXXsome has called me atleast 10xs a day starting on Fridays saying my payment is late and I go through the WHOLE bad experience again and again. I have resubmitted paystubs to 3 different people who claim to be my account manager every single time. Now Im being told that you can only do a paydate change once in the lifetime of the loan and even though the MEI rep in XX/XX/XXXXfailed to do her job correctly bc I signed the incorrect thing my change request is being denied. Then the rep from XX/XX/XXXXcalls me and laughs at me when Im just trying to help her understand my frustrations with why I have had to reiterate my issue every other Friday to someone who has access to my acct and should be able to see whats going on, not to mention Im being told to send my paystubs with all my personal info every single time to different reps that arent making any changes on behalf of my acct. Now they are re modifying the 1st modification that was submitted wrong and its causing my payments and interest to go up on behalf of their mistake. They have caused me many of interrupted work hours every single time they call me harassing me to make a payment before I get paid and then me having to go through the whole issue every time when it should have been fixed months ago and it has taken 4 months and 5 diff reps to get to this point. This is by far the worst, most unprofessional, most unknowledgeable, most disrespectful, most unhelpful finance company I have ever dealt with that lacks the ability to achieve results on behalf of customer service. I am a loyal customer with 2 car loans through them and have never been late and this is how I get treated every single time.
Consumer complaint received 2017-06-08
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: Experian Information Solutions Inc. (NC)

XXXX   XXXX ,  2017 Feder al Trade Commission  Consumer Response Center   XXXX   XXXX   XXXX ,  XXXX    XXXX   XXXX    XXXX   XXXX  : CREDIT COMPLAINT LETTER To Whom It May Concern : I am writing to file a complaint against  XXXX   XXXX   XXXX , Experian,  XXXX ,  XXXX .  <P/> For the last 2 months I have filed more than  XXXX  disputes against  XXXX   XXXX   XXXX , reporting of my car loan balance and as of this 60+ day mark the issue has not been resolved.  <P/> I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with  XXXX   XXXX   XXXX  to date. Today I received another letter from Experian stating that  XXXX   XXXX   XXXX  has properly investigated my balance and is still reporting my balance as {$19000.00} since  XXXX    XXXX    ( re cently updated in  XXXX  the same balance. I also received an alert from   XXXX   that my balance is {$19000.00} and has been so since  XXXX ,  2017 I con tinue to send the same documentation to the  XXXX , Experian and  XXXX  ; I have called   XXXX   XXXX   XXXX   and the representative was clear that my balance is not {$19000.00} as being reported by the company to the credit bureaus and the credit bureaus are not reviewing the documentation as they are supposed to. Enclosed I have copies of my auto loan statements from  XXXX ,  XXXX  and  XXXX  as you can see the statement dates are the  XXXX  of the month and no not show a balance of {$19000.00}. According to the FCRA I have a right to an accurate credit report and this is not accurate. If the credit bureaus refuse to report the information properly then I have a right to damages for non reinvestigation.  <P/> I am requesting your assistance in putting an end to this matter. If you have any questions or need additional information, please contact me at the address listed below.  <P/> Thank you for your assistance.  <P/> Sincerely,  XXXX   XXXX
Consumer complaint received 2017-06-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIRST COMMUNITY MORTGAGE, INC. (AL)

On or about  XXXX   XXXX ,   XXXX  , I received a phone call from  XXXX   XXXX , a loan officer with my existing mortgage holder , First Community Mort gage. He wanted to chat with me about refinancing my loan and emphasized that there would be little cost to refinance. He also asked if I would be interested in folding in my 2nd mortgage as well. I told him yes, so we go the process started. He sent me the proposed terms as follows : 30 year fixed at 4.375 % with  XXXX  points Total cost financed with be only  XXXX , which with the skipped payment and savings are recouped in 4 months.   Payment with Tax and Insurance will be  XXXX  per month.   This loan will payoff both the first and the second loan and will save you  XXXX  per month.   As per our conversation, if you took that savings and added it back to the loan, you will payoff the home in 20 years on the dot.  <P/> I provided the appropriate information, signed the first disclosure of the loan terms, and paid for an appraisal, etc.  <P/> On  XX/XX/XXXX , I was notified that a  XXXX   XXXX  was taking over the processing of my loan. He sent a second disclosure in which the terms of the loan had changed and there was a higher closing cost involved. I wrote to him and said I had questions. Meantime, there were a series of calls asking for letters from my second mortgage holder, a request to have a conference call with the 2nd to get payoff, etc. For a period of time, I could not get in touch with  XXXX , he indicated he had been out of the office for a while. On  XX/XX/XXXX , I provided another form required for the loan.   On or about  XX/XX/XXXX , a third disclosure came which raised the closing cost to over {$6000.00} to be added into the loan. I wrote to  XXXX  and said I could not go through with the loan with these terms, it would not be prudent. He said he would check on it. He wrote to me on  XX/XX/XXXX  with the following information : It looks like because of the rate extension, it wiped away any lender credits associated with the loan. I can go ahead and withdraw the loan, if that is what you are still wanting?  <P/> No one ever disclosed to me that they had to do a rate extension and that it would have ramifications to the terms of the loan. In the end, I asked for my money back that I spent on the appraisal. I was solicited with a good offer, then because the process was not followed through with and there were delays, the terms changed and I am out over {$450.00}.  <P/> This was a bate and switch.
Consumer complaint received 2019-05-14
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: Experian Information Solutions Inc. (TX)

XXXX  and Experian are reporting an incorrect coding of the XXXX - account number XXXX. This account is being coded as an M5 when actually this needs to be coded as an M1. (  Please see page 5 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2017-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Seterus, Inc. (GA)

XXXX   XXXX   sold moved my mortgage to a debt collector playing mortgage handler ( Seterus ). I have been trying for 4 years to get Seterus to correct my information within their company and what is being reported to the  XXXX  credit reporting agencies. I have filed disputes and made millions of calls to all involved and eac h one p oints the finger at the other but NO ONE is fixing it. I have called   XXXX   XXXX    who also contacted Seterus to fix the issue and was told they had to close the claim as the company said they would resolve it. It is not resolved and I can not get a re-fi because my credit is messed up and they refuse to look at me until it is right. Credit reporting agencies can not fix it unless they hear back from mtg company and  XXXX  has dropped the account all together off my credit. I have now lost out on the lower interest rates and am being held hostage by this company. Attorneys want to much money and NO ONE cares, within the government or their agencies, that there is fraudulent info on my acct.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MI)

Experian has 9 different names for me on my credit report. I sent a certified letter with return receipt with my current legal name and current address to Experian telling them to change my name. I also called them. There shouldnt be all these different variations of my name on my report and all of these outdated addresses. Please update! My information was confirmed to be hacked on the dark web from an XXXX XXXX XXXX  data breach Im XX/XX/year>. I filed an FTC Identity Theft Report and a local police report. Also, Experian will not remove a negative mark from my file that I believe to be from identity theft. 

Spoke with Experian on XXXX  at approx XXXX XXXX  Eastern Spoke w/ XXXX in the fraud department who updated my name to show correctly on my report, said will send updated report and receive email when finished
Consumer complaint received 2017-06-08
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: Experian Information Solutions Inc. (CA)

I sent this company a dispute letter dated  XXXX   XXXX ,  2017. H ere I had pointed out some blatantly incorrect trade line information that my credit report contained. I waited the allotted 30 days only to find this company had not rectified my report.  <P/> At this time I am reaching out to the CFPB and asking they investigate this company, as on the BBB website I have found thousands of complaint against this company where folks were suffering from the same mistreatment as I have.
Consumer complaint received 2017-06-10
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. (AL)

I pulled my credit report in  XXXX  of  2017 a nd noticed there were  XXXX    XXXX   XXXX   XXXX    credit cards opened in my name.  One with a  {$300.00} dollar credit limit and the other with a {$500.00} dollar credit limit. These accounts do not belong to me. I have never opened them. And I owe them no one because they were a result of fraud. When I contact  XXXX   XXXX  fraud department they say it is going to stay on my report because all the information is correct. And there is nothing I can do about this. Please help me get it removed.
Consumer complaint received 2019-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DriveTime (FL)

Noticed an Inquiry on credit report not authorized by me from Drivetime. I contacted them stating i did not recognize this inquiry and to please send proof I requested credit as required under FCRA. They returned with letter attached that DOES NOT MEET FCRA reiquirments.
Consumer complaint received 2019-05-14
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings (OH)

I was told that I owe a Payday loan that I never had. I called the company and they said they have no record of it. I called the number on the letter to the collector and the said it is for {$1200.00}. I never took out this loan at all.
Consumer complaint received 2019-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I XXXX XXXX XXXX state that I have no knowledge of or admit to ownership of any account with XXXX. 

I do not believe that this account is mine and believe that it is being reported inaccurately on my credit reports. I have never been presented with any documentation showing ownership of this account nor was I ever given notice that it was going on my credit and would be damaging to it. Nor was I given notice that I had a 30 day window to dispute this account in the beginning. 

Furthermore the account is full of inaccuracies reporting to my bureaus. 
The account claims to be " closed/charged off ''. That means sold to someone else. So why is it remaining on my credit reports. 
Secondly the amount claimed owed is incorrect. 
Third ... .how do you owe any amount on a charged off account? 

I've attached in this complaint a copy of my Experian credit report showing false information. And a copy of the cease and desist letter sent to the company directly.
Consumer complaint received 2019-06-21
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. (CA)

Equifax is incorrectly reporting me as an Authorized User on XXXX   XXXX partial account number XXXX. ( Please see page 2 of the attached credit report. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX  and XXXX, however Equifax has not removed this from my report. I have contacted the bureau to fix this issue. This negative reporting is harming my credit score.