davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (CO)

I read that you have recently completed a lawsuit against XXXX and believe I should be one of the students whose balance should be forgiven under that lawsuit. I graduated from University of XXXX in XXXX with XXXX student loans. I paid off my small XXXX loan fairly quickly. The XXXX Federal Subsidized and Unsubsidized loans were for about {$83000.00} at that time and were with XXXX XXXX. I was counselled to consolidate the loans, which led to them getting BIGGER- they went up to {$87000.00}. I became deathly ill in XX/XX/XXXX and was hospitalized for 6 months. At that time the loan balance was at {$72000.00}, as far as I can tell ( it is hard to get reliable records from XXXX going back that far ). While I was in the hospital my XXXX XXXX XXXX mother contacted the loan company on my behalf and was counselled to put me in forbearance. It took me several years to recover and get back to work, during which time the interest accrued on the loans. When I started full payments again in XXXX the balance was at about {$89000.00} ( I don't have an actual record of what they say I owed at that time ). I am now XXXX years old and trying to retire and I have been paying on this student loan for 22 years. I have paid over {$100000.00} and still owe {$45000.00} in accrued interest. This interest accrued during my illness due to the forbearance. Had my mother been told the results of her decision, we could have come up with a way to continue paying the loan and avoiding all this excess. However, neither my mother nor I had any idea there was any hope of an alternative that could avoid this disaster being piled upon the disaster of all those years of XXXX. Furthermore, through the intervention of my Congressional Representative 's office, I have talked extensively to XXXX who took over the loan in XXXX, trying to XXXX get full records of the loan since its inception, XXXX get a clear explanation of how interest was figured on the loan, since sometimes the interest payments got bigger instead of smaller, and XXXX where {$900.00} worth of payments I had made over a 9 month period in XXXX had gone, as I couldn't find them on the documents Navient finally sent me. After several months I believe it was resolved that the {$900.00} was correctly applied, but questions XXXX and XXXX never got properly answered. 

The bottom line is I have paid off the loan WITH INTEREST and now only owe interest that accrued because of bad advice that my mother received to get a forbearance that led to the loan ballooning while I was ill.
Consumer complaint received 2022-01-31
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: SYNCHRONY FINANCIAL (PA)

THESE ITEMS THAT ARE ON MY CREDIT REPORT ( XXXX ) NEED TO BE REMOVED DUE TO STATUE OF LIMITATIONS IN THE STATE OF PA IS XXXX YEARS AND THESE ITEM ( XXXX ) HAVE BEEN ON MY CREDIT REPORT AS OF XXXX OF XXXX AND NEEDS TO REMOVED
Consumer complaint received 2022-01-31
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. (GA)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2022-01-31
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. (GA)

I have been sending letters since XXXX of 2020 to all three bureaus. These letters included proof that it was me who sent them, it included disputes I had for items i did not recognize or felt were not reporting accurately. I know from research that the Bureaus have 30 days to investigate then 15 days to respond, I have given plenty of time and chances for them to respond but they have not been providing me with responses. I have seen very minimal changes, if that and I am very disappointed that I have to pay for an online monitoring service to see if they have even made changes because they have failed to send me even a letter requesting more time or confirmation that received my letters. I even paid extra to send some of the letters certified because I wanted to ensure they were receiving them.
Consumer complaint received 2022-01-30
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: Resurgent Capital Services L.P. (NC)

The Collection Agencies below have continued collection activity despite not properly conducting and obtaining by mailing debt verification after I've exercised my 1692g rights. Section 809 ( b ) of the FDCPA requires a debt collector, upon receipt of a written debt validation requests from a consumer, to cease collection of debt until the collection agency obtains verification of debt and mails it to the consumer. They have failed to provide a copy of any alleged contract or other instrument bearing my signature after being requested to validate. Also XXXX XXXX XXXX and XXXX XXXX XXXX, have been advised they are in violation of the Notice of Proposed Procedures for Charitable Hospitals to Correct and Disclose Failures to Meet Section 501 ( r ) of the Affordable Care Ac. Furthermore, I have never signed a Hippa release form with XXXX XXXX XXXX nor XXXX XXXX XXXX. Therefore these are inaccurate XXXX violations and I want them deleted immediately. Hippa laws protect my personal medical information from being used without my personal consent and they are now very much aware of these Hippa violations, delete immediately.

4 collection accounts Total balance : {$2400.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$880.00} Balance updated XX/XX/2022 LVNV FUNDING LLC Original creditor : XXXX XXXX XXXX XXXX 
{$1300.00} Balance updated XX/XX/2022 XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX {$64.00} Balance updated XX/XX/2022 XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX {$86.00} Balance updated XX/XX/2022 When your account is in collections, consider these options :
Consumer complaint received 2022-01-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (PA)

I reached out to Experian to discuss a few things on my consumer report While speaking with the agent she assisted me with disputes for XXXX XXXX & rXXXX XXXX XXXX to my acknowledgment the agent knew exactly what companies I was filing disputes the agent understood what companies I wanted removed off of my credit report unfortunately the agent took it upon herself to remove my consumer details with an account that was at a good standing which didnt make any sense at all the next day after speaking with the agent Ive gotten multiple alerts about my credit score decreasing now its really strange that the original disputes Ive submitted not action took place on either account so I am very confused on her action after recognizing what took place I tried to reach out to Experian & could not get anyone to assist I was transferred from agent to agent & no one could explained the action of the previous agent when requesting to speak with an agent supervisor o was put on hold excessively long periods of time & never gotten a chance to speak with the manager this matter has become very frustrating & I just need Experian to explain to me the actions taken on the account & removed what was requested in the initial dispute request!
Consumer complaint received 2022-01-31
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION (UT)

Contracted XXXX  in XXXX have XXXX was sick for 6 mos. Lost my business as a result of XXXX. Went on XXXX, it ended. Currently on Medicaid, SNAP, HEAT Assistance, & EBB. Had a forbearance on my 1st & 2nd mortgages. Was in a terrible accident in XXXX, resulting in my need for 4 surgeries of which I've had 2 and get the 3rd on XX/XX/XXXX. My HECM Company Mountain America Credit Union is telling I now must pay all the back interest all up front, they are refusing to work out a payment schedule with me. They sent the collection to an Attorney, which has added additional fees. If I don't make the payment by XX/XX/XXXX they will begin foreclosure proceedings. I'm XXXX have lived-in my home for 15 yrs. Was originally on a 15 yr mortgage ( only 5 yrs left to pay off ) with my 1st mortgage XXXX XXXX who has been great to work with, they reduce my loan and put it back to a 30 yr to help me. But XXXX has been a nightmare. I originally took out the Home Equity Loan to pay off medical debt from my husband 's XXXX journey, he has since passed. I'm not going to be able to get back to work for about 6 more months until after my final surgery. I tried to get a revers mortgage to pay off both loans through another horrible company called XXXX. They jacked me around for 8 months, transferring me from person to person and the last person quite and I didn't find out until 2 months later after I called repeatedly. Please warn people to not use XXXX, wow another scam organization. Also, apparently credit unions don't have to abide by the same rules as XXXX XXXX so they can do whatever they want to you. They are seriously going to kick me. out of. my home for a mere {$8000.00}. I've had several accounts with them for over 30 yrs and run over a million dollars through them, and this is how they treat you when you are down on your luck. During the entire reverse mortgage process I kept XXXX informed about the status and what I was trying to do. After the reverse mortgage didn't work, I told them I would apply for a refinance and pay the loan off completely, and yet they still went ahead with the foreclosure and payment demand. The have been completely unwilling to work with me.
Consumer complaint received 2022-01-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Cadillac Accounts Receivable Management (MI)

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 
Cadillac Accounts XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-27
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. (CA)

Cracked since the data breach of Equifax I have struggle to maintain clean credit not go into debt and pay my bills on time although it looks as if it's gone to waste since random accounts show up with XXXX charges on my current accounts and I struggled to know why the credit bureaus are allowed to display this inaccurate information after I have several times over the past three years requested is being removed. Finally why are credit bureaus allowed to not upload a XXXX reports all three of their different platforms unless you are a paid customer?
Consumer complaint received 2022-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Bread Financial Holdings, Inc. (PA)

XXXX XXXX XXXX XXXX XXXX, Tx XXXX To Whom It May Concern : Pursuant to 15 ys6 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' Should be excluded from a consumer report. The definition of a credit card under 15 us 1681 is the same as it is under 15 USE 1602 ( 1 ) which is " the term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit '' Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to 15 us 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are a violation of my rights as a federally Protected consumer under title 15 chapter 41.
Consumer complaint received 2022-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been sending letters since XXXX of 2020 to all three bureaus. These letters included proof that it was me who sent them, it included disputes I had for items i did not recognize or felt were not reporting accurately. I know from research that the Bureaus have 30 days to investigate then 15 days to respond, I have given plenty of time and chances for them to respond but they have not been providing me with responses. I have seen very minimal changes, if that and I am very disappointed that I have to pay for an online monitoring service to see if they have even made changes because they have failed to send me even a letter requesting more time or confirmation that received my letters. I even paid extra to send some of the letters certified because I wanted to ensure they were receiving them.
Consumer complaint received 2022-01-28
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. (SC)

XXXX, {$990.00} -EXPERIAN , I have pulled my credit report from Identity IQ. XXXX XXXX is reporting inaccurate information on my Experain credit report. 

1. ) Date Opened is inaccurate compared to XXXX XXXX. ) High Credit is inaccurate compared to XXXX XXXX. ) This account is a collection/charged off. Therefore it should not report a PAST DUE AMOUNT. 
3. ) Date Last Active is inaccurate compared to XXXX The Fair credit reporting act states that a furnisher SHALL NOT report inaccurate information to ANY consumer reporting agency. Refer to 15 U.S code 1681s-2. Delete this account for reporting inaccurate information
Consumer complaint received 2022-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have reached out to XXXX, XXXX, and Transunion on multiple ocassions and via phone, mail, fax, and online disputing to have these errors corrected and they keep reappearing or being ignored. 

My personal information on my credit report should read as follows : NAME : XXXX XXXX ADDRESS : XXXX XXXX XXXX, XXXX, FL XXXX PHONE : XXXX EMPLOYERS : XXXX XXXX XXXX, and XXXX XXXX XXXX Anything other than what is written above is inaccurate and needs to be removed. I have contacted the companies associated with any accounts that may have it listed wrong, but it is STILL listed wrong and XXXX, XXXX, and Transunion refuse to fix it. 

XXXX : NAME : XXXX XXXX- Not my name XXXX : NAMES : XXXX XXXX. NOT MY NAME XXXX BANKS NOT MY NAME XXXX XXXX XXXX NOT MY NAME XXXX XXXX NOT MY NAME PREVIOUS ADDRESSES : XXXX XXXX XXXX BV. NOT MY ADDRESS XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX. NOT MY ADDRESS XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOT MY ADDRESS XXXX, FL XXXX TRANSUNION : MY CURRENT ADDRESS IS LISTED INCORRECTLY. 
CURRENT ADDRESS IS : XXXX XXXX XXXX XXXX, FL XXXX NAMES : XXXX XXXX. NOT MY NAME PREVIOUS ADDRESSES : XXXX XXXX XXXX BV. NOT MY ADDRESS XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX. NOT MY ADDRESS XXXX, FL XXXX
Consumer complaint received 2022-01-31
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. (MI)

I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them has been heard. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  Bankruptcy Reference number : XXXX
Consumer complaint received 2022-01-31
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (CO)

I have suffered a financial hardship due to the COVID-19 emergency ; ( the servicer can't require any additional documentation beyond your attestation. ) COVID-19 Recovery Modification I can't afford the monthly payment amount and needs a loan modification, the servicer must evaluate the borrower for a COVID-19 Recovery Modification. This kind of modification aims to reduce the principal and interest portion of the monthly mortgage payment by at least 25 %. The COVID-19 Recovery Modification is a 360-month modification, and includes a partial claim, also FHA INFO # XXXX XX/XX/2021 In this announcement : FHA Provides Additional COVID-19 Forbearance Extension and COVID-19 Home Equity Conversion Mortgage Extensions Proposed 40-Year Loan Modification Policy for COVID-19 Recovery Options Posts on Single Family Housing Drafting Table for Feedback See below for details.

FHA Provides Additional COVID-19 Forbearance and COVID-19 Home Equity Conversion Mortgage Extensions Today, the Federal Housing Administration ( FHA ) published Mortgagee Letter ( ML ) XXXX XXXX, Extension for COVID-19 Forbearance and COVID-19 Home Equity Conversion Mortgage ( HECM ) Extensions.

This ML provides : Up to six months of COVID-19 Forbearance for borrowers requesting their initial COVID-19 Forbearance on XX/XX/2021, through the end of the COVID-19 National Emergency, and an additional six months if the forbearance is exhausted or expires before the end of the COVID-19 National Emergency. 
This new option is meant to assist those borrowers who may be newly affected financially by the COVID-19 pandemic and may need relief through the end of the National Emergency.

An additional six months of forbearance for borrowers who requested their initial COVID-19 Forbearance between XX/XX/2021, and XX/XX/2021. 
This ML also provides the opportunity for additional periods of COVID-19 HECM Extension for HECMs when the initial request is made on XX/XX/2021, through the end of the COVID-19 National Emergency, and when the initial COVID-19 HECM Extension request was made between XX/XX/2021, and XX/XX/2021. 

Due to the continuing impacts of the COVID-19 pandemic, particularly the Delta variant XXXX FHA recognizes the need to provide these extension opportunities for the COVID-19 Forbearance and HECM Extension to help those still impacted by the pandemic and who only recently requested assistance or who may need assistance through the end of the COVID-19 National Emergency.

The policies regarding COVID-19 Forbearance and COVID-19 HECM Extensions announced today are effective immediately. Mortgagees and other interested stakeholders are encouraged to thoroughly review XXXX XXXX. 
More information can also be found in the Single Family Housing Policy Handbook XXXX, Section III.A.2.o.i Forbearance for Borrowers Affected by the COVID-19 National Emergency and in XXXX XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX.
Consumer complaint received 2022-02-01
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PLANET HOME LENDING, LLC (NJ)

Last year I refinanced my home with XXXX. XXXX sent over the buyout to Planet Home Lending ( old mortgage lender ) I have proof of the XXXX wire that was sent, in XX/XX/XXXX, they processed it in XX/XX/XXXX. In that time, since they were slow to process, the last 2 payments went delinquent to my credit. 

Keep in mind that I was already bought out and theres absolutely no reason for me to be delinquent with a mortgage company! 

Do to this error on Planet Home Lending there is a giant incident on my credit report THAT WASNT MY DOING! Im looking to refinance my home once more and I cant because of this red flag. For the last year, I have been back and forth with the old lenders trying to correct this. They keep giving me the run around. They wrote a plain letter that the Credit bureau did not accept because they did not validate the months that they screwed up. 

All Planet Lending needed to do is write me a letter, a letter stating they were in fact at fault with the specific months they screwed up on! The last year, I have been given the run around, put on hold, hung up on. Sent bogus i correct letters.. there famous line is your case has been escalated escalated to where!? Its been a year!
Consumer complaint received 2022-01-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (PA)

The two companies at issue are XXXX XXXX XXXX and Planet Home Lending. The loan was transferred to Planet Home Lending in XXXX of XXXX. 

The mortgage companies have been charging me for real estate taxes and homeowner 's insurance through an escrow portion of my monthly mortgage payments. However, since loan origination in XXXX I have always paid the real estate taxes directly to the City XXXX XXXX. And I have always paid my homeowner 's insurance directly to XXXX XXXX XXXX. 

I have provided proof to both lenders that I make payments directly to these entities. An I have requested from them that they provide me with copies of bills paid and the names of the municipality and insurance companies they have paid out of my escrow account. 

They have refused to provide copies and receipts of payments made from my escrow account. They did provide a transaction report but that does not identify where the money is being sent. And they continue change the escrow portion of my payment, when in fact, I should not have an escrow account since I pay taxes and insurance directly.