davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NM)

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.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may 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 2017-07-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NY)

Nelnet started servicing my loan earlier this year. At the same time, I became convinced that I am eligible for the Public Service Loan Forgiveness Program. So I called their customer service and inquired about how to apply. I was told that first I need to consolidate my loan and then apply for loan forgiveness. However, the application will take effect the day it is accepted and not retroactive. It is very unfair that I 've been a public servant for seven years making regular monthly payments since XX/XX/XXXX, and my application will only be considered going forward. I 've been inquiring about PSLFP since XX/XX/XXXX.
Consumer complaint received 2017-07-24
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. (FL)

I have recently obtained a copy of my credit file and there are many mistakes in my rep XXXX/ XXXX XXXX XXXX - XXXX : Unverified account XXXX/ XXXX XXXX XXXX XXXX XXXX : I have never paid late XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Unverified account
Consumer complaint received 2017-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

I have recently obtained a copy of my credit file and there are many mistakes in my report. XXXX - XXXX : Unverified account XXXX XXXX XXXX - XXXX : Unverified account XXXX/XXXX - XXXX : Unverified account XXXX XXXX XXXX - XXXX : Unverified account
Consumer complaint received 2017-07-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MT)

Since XX/XX/XXXX I have been filing annually to FedLoan Servicing to recertify my loans for an income-driven repayment ( IDR ) plan. I was surprised this year when I received an email confirmation following submission of my annual certification that said the recertification was on hold until my current annual period expired. I received this email on XX/XX/XXXX, after having submit my recertification request approximately one week earlier. The email reads ( Subject line : " Your IDR request is on hold '' ) : " We will process your Income-Driven Repayment ( IDR ) recertification request once the final bill of your current schedule is generated on XX/XX/XXXX. Once we have processed your request, we will send a follow up email detailing your monthly payment amount or if we were unable to process your request. '' I intentionally submit my recertification 6-8 weeks in advance, because if there is any lapse in IDR the interest on my loans capitalizes. It appears that FedLoan Servicing has created a loophole that will result in a significant increase in people experiencing a capitalization of their interest due to a lapse in their IDR status. If there is any issue with your recertification paperwork and FedLoan Servicing needs to request additional documentation or clarify something, which oftentimes is the case, then this will automatically result in a lapse in IDR status. This is precisely why I build in this buffer time. If an individual with a loan is not aware of this detail ( that loan interest capitalizes upon a lapse in IDR status ), they will likely not respond to FedLoan Servicing to request that their recertification be processed ASAP, rather than waiting until their current IDR period is over. I immediately contact FedLoan Servicing to demand they process my recertification promptly, in order to avoid capitalization of my interest. I 'm so grateful for watchdogs such as the CFPB and wanted to alert you immediately to this very troubling issue.
Consumer complaint received 2017-07-31
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (NC)

Hunter Warfield is attempting to collect a debt in which I am not obligated to pay using incomplete and falsified documentation. I have been in contact with Hunter Warfield by phone for several months off and on as I am an XXXX XXXX service member and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX since XX/XX/XXXX when all of this started. The initial circumstances leading up to XXXX XXXX attempting to incorrectly charge late fees and and change rent were while I was XXXX on XXXX XXXX XXXX and caused by a change in XXXX Ownership and management. During the change, XXXX changed website and cancelled my prearranged method of paying my bills. Due to circumstances relating to my XXXX XXXX service and XXXX status, it was incredibly difficult to login and pay rent owed. Additionally, XXXX began leaving notices on my door indicating impending eviction and harassing letters on my door even at my request not to do so because they were public and embarrassing. As a result of this situation, I arranged to have my belongings moved and gave 30 days notice. XXXX refused to remove erroneous fees from my account, so I calculated and paid what I owed them. Following my leaving, XXXX hired Hunter Warfield to collect the alleged debt. Hunter Warfield contacted me by phone some time following my XXXX in XX/XX/XXXX and alleged I was obligated to pay an unsubstantiated amount and insinuated if I did not pay the amount it wouldnegatively affect me in some way. I offered to pay what I owed in move out fees, but HunterWarfield refused payment. I also requested Hunter Warfield to provide documentation verifying debt  owed. Hunter Warfield responded nearly an entire year later in XX/XX/XXXX, while I was on my third XXXX during this dispute, with an electronically signed lease with handwritten figures and no signature pages. Upon my return to the US in XX/XX/XXXX and receipt of Hunter Warfield letter, I  then secured legal representation and had my lawyer write a letter to Hunter Warfield in an effort to resolve this matter. Hunter Warfield did not respond to attempted correspondence and reported false information to the credit reporting mechanisms. This situation has affect me financially and is now starting have some affect on my job and standing in the military.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I HAVE BEEN AFFECTED BY THE XXXX XXXXATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2017-07-24
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. (NJ)

Experian sent me credit file # XXXX included was a XXXX XXXX # XXXX..stating account closed at credit grantors request. I disputed this information because it is false this account is not closed in fact, I attached my current bill showing the same account number XXXX if it is closed as Experian claims to have verfied which is clearly false when the account is currently open an active the have violated the FCRA. I would like this item removed from my credit report as it is untrue and hurting my FICO score.
Consumer complaint received 2017-06-13
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Caliber Home Loans, Inc. (PA)

My FHA mortgage was serviced by  Caliber  starting in  XXXX . I was having financial difficulty in  XXXX  and  XXXX  of  XXXX  and called Caliber. I spoke with someone regarding adjusting my payment. After going over financial information I was told that I could break my payments up for the next several months to get back on track. I was told that by doing this I would not damage my credit and not have any other adverse effects. I made payments to them and did get my payments back on track until I refinanced in  XXXX . I found out that they did indeed report I was 30 days late to the credit agencies  XXXX   XXXX  AFTER they told me they would not do so. I sent them a letter  XXXX  telling them I was disputing it and that it should be marked disputed. All they did was send me a copy of my loan agreement. The late payment is still listed on my credit report.
Consumer complaint received 2017-07-24
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

I was contacted via email by someone claiming they had a guitar I was wanting to purchase. The alleged seller asked me to send the shipping fees via PayPal " friends & family ''. I felt/thought PayPal covered my transaction as their website claims they will, as well as a statement during the transaction shows that I would be able to submit a dispute if a problem arose ( which it did ... fraud, seller never shipped and stoped replying to my email messages ), therefore I filed a dispute with PayPal within days of sending the money. PayPal has denied my claim and closed the disputed amount without reviewing ANY of the evidence I have in emails from the seller etc. PayPal should uphold their claim as it was misleading to present I may be covered in the event that I was paying for an item that never arrived or was not as described. PayPal has denied my claim. I will be contacting my credit card company for further review. Also had to file a police report on a XXXX website as the alleged seller resided somewhere in the XXXX. Transaction number for PayPal : XXXX
Consumer complaint received 2017-06-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

I am a authorize user on several of my husbands accounts and his accounts appear on my credit report as an authorize user. Beginning in XX/XX/XXXXI noticed everytime a payment was reported on his accounts that Equifax removed me as a authorized user. As a result of this action, my credit Utilization has decreased over {$62000.00} and decreased my credit score with Equifax several points. The other two bureaus ( XXXX and XXXX ) are reporting all authorized user accounts correctly, only Equifax is mishandling these accounts. I called Equifax and after an hour on the phone, they refused to do anything to correct this major issue. My husband called each creditor effected by this error and all 4 companies indicated that they had submitted the information correctly and that nothing had changed on their end and the problem is Equifax. The accounts impacted are : XXXX XXXX XXXX. Credit Limit XXXX XXXX XXXX Credit Limit XXXX XXXX XXXX XXXX Credit Limit XXXX XXXX XXXX Credit Limit XXXX This continued error is impacting my credit score and I 'm very concerned lenders will begin lowering my over all credit due to the drastic reduction of my credit.
Consumer complaint received 2017-06-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (OH)

I have an unverified account from ENHANCED RECOVERY. I had previously disputed this account. I have never done business with ENHANCED RECOVERY. Pursuant to the Fair Debt Collection Practices Act ( FDCPA )  15 U.S.C.1692g, I  dispute the validity of the debt purport I owe. I request that ENHANCED RECOVERY Provide verification of the following : 1. The original Application or contract ;  2 . Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ;  4 . Any and all canceled checks ;  5 . Original date of default and collection activity begin  6 . Whether you purchased the debt, and if so, the amount paid for the debt  7 . The date  ( s )  the debt allegedly accrued ;  8 . An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ENHANCED RECOVERY Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2017-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: U.S. BANCORP (NM)

Elan Financial Services as, Washington Federal Secured Visa Services, Accepted Documented Faxes in an Account Tampering by, XXXX XXXX XXXX. XXXX XXXX is using this Ftauded Company Documentation not. to Pay a Claim.This is an Understanding for Frauded Contract Enforcement in a Review for a Law Enforcement Attorney.
Consumer complaint received 2023-05-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (UT)

On XX/XX/XXXX I received confirmation from XXXX that my employer qualified for the PFSL, and that my school loans were going to move from XXXX to Mohela within 90 days of the letter. It is XX/XX/XXXX, and my loans are still with XXXX, and they are also marked as Forbearance, which I did not petitioned. I have called Mohela and they do not have any way of getting my loans from XXXX. I have contacted XXXX and they told me they can not transfer them until they receive something from Mohela stating that they need to be transferred. I have also contacted StudentAid, and they also have no answers or timeline as to when my loans will be transferred. Repayments will start shortly, and I need to know where I need to send them, and I would also like to have my employment count towards PFSL. Please help me. 

For reference, I am attaching the documentation that I received from XXXX  about my school loans. 

Thank you.
Consumer complaint received 2023-05-05
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. (IA)

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 XXXX5 USC 1681. 

XXXX XXXX XXXX : account # XXXX and XXXX : account # XXXX has violated my right. 

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-05
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)

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. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may 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 2023-05-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

A woman names XXXX XXXX my aunt who was only to hold onto the check because me and my family had lost her home living in the car and unfortunately she deposit the check and endorse it without me being aware and deposited a check made out to me XXXX XXXX from the lawsuit winning she endorsed my name on, and Chase bank allowed her to deposit the money to her account. She refuses to return the money I contacted the banks they told me to reach out to the writer of the check I reached out to a lawyer they have not responded. And it is a {$30000.00} deposit from XXXX law that.
Consumer complaint received 2017-07-24
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: Navient Solutions, LLC. (KY)

My credit report shows that co-guarantor on a loan from NAVIENT. This shows up on my credit report as a student loan. I reported this as an error through XXXX XXXX and the response back from NAVIENT was " It looks like this item is actually correct and that it 's going to stay on your credit report ''. I have not co-signed or guaranteed any student loan from NAVIENT and have requested a copy of the fully executed loan agreement with NAVIENT that bears my signature. This documentation has not been provided back to me because it does not exist. I demand that this be removed from my credit report! Please help.
Consumer complaint received 2017-10-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (MI)

We currently have an open CFPB Complaint # XXXX on a matter of dispute with our loan servicer, Pennymac. Despite the matter being in dispute, this company wrongly charged our escrow account {$600.00} for payment of a disputed appraisal. The company has patently ignored the bonafide information we provided them to validate our complaint ; neither have they provided the name of the appraisal management company involved in order that we have opportunity to contact them on the matter. There is NO reasonable justification in law or equity why we should be required to pay for a fallacious appraisal. We have notified the company that we dispute this charge. We feel that the company should be compelled to reimburse our escrow account in the amount of {$600.00} until such time as the appraisal is fully corrected and revised to include all comparable sales data we provided Pennymac and the matter is resolved through the CFPB process. The company 's wrongful action will now lead to a shortage in the escrow account resulting in an incorrect escrow analysis and payment adjustment. We note that this company had incorrectly established an escrow account when last they performed their analysis in XXXX XXXX. Despite our contacting them to revisit this, they did not, forcing us to do our best to calculate the correct amount needed for escrow each month and submitting roughly an extra {$300.00} per month to preclude a shortfall.