davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Hello, i have a loan with XXXX XXXX  XXXX  which was put on forbearance because of COVID 19 and everything being on lock down from XXXX until XXXXRight before end of the period i called my lender and spoke about options to repay the debt which the agent was kind to set one for me in the next 6 months.I payed the amount i needed to pay at that moment which i was instructed to do and than waited for another month to do my next payment.Next month came in and the agent on the phone had no clue what happened and said to me that there is no repayment plan going on on my loan and that he had to do it all over again and also checked and confirmed that the agent before him just submitted a payment and that was all. 
After faculty data did background check on my credit report they noticed one late payment that was reported from XXXX  and they did not wanted to take that out of my profile because apparently from their view i have missed a payment.Totally unfair for me to have that on my account after pandemic and not knowledgeable staff from their company to not guide me correctly in situations like this.I want full investigation from their side and a sweep on my account for present negative actions on my profile.T Thank you
Consumer complaint received 2020-08-17
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: Choice Recovery, Inc. (OH)

I have a loan with CHOICERECOV ( Original Creditor : XXXX   XXXX XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX CHOICERECOV ( Original Creditor : XXXX   XXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2024-10-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (CO)

Mohela has made an absolute disaster of my student loans. They are trying to charge me for a loan that was already forgiven, in addition to messing up payment schedules and amounts every billing cycle. They have no staff to handle calls in a reasonable manner. I'm within XXXX  months of the PSLF program and starting XX/XX/year>, they're trying to start XXXX more payments. I plan on seeking legal action against them, because of their miss management and gross negligence.
Consumer complaint received 2024-10-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (TN)

I was already on SAVE plan. In XX/XX/XXXX I consolidated all my federal direct loans together for the one time account adjustment with the safe plan. My loans were then transferred from XXXX XXXX to MOHELA through the US Department of education. MOHELA processed the consolidation, but never the save plan. Two months went by. They still hadn't processed it so I resubmitted it again on XX/XX/XXXX. I called them and told them about that, so they put me on there forbearance stating that it takes time to process. However, with their forbearance student loan interest kept accumulating. Will come XXXX, the safe plane gets put on hold placing SAVE plan borrowers in interest free government forbearance. MOHELA refuses to put me on that forbearance because they never processed my safe plan in a timely manner. I have been an income base payment plan since XXXX They put me on a standard repayment plan when I consolidated, even though I consolidated them with the safe plan. They refuse to process the repayment plan in a timely manner consequently causing me harm with increased student loan interest accruing, not allowing me to be in the government forbearance while they figure out what to do with the safe plan. I can not afford the standard repayment plan so I have to keep going in regular for parents until the government gets things straightened out. It's not fair, because I should be put with all the other safe plan people hanging in limbo, but I'm not because MOHELA won't do anything in a timely fashion.
Consumer complaint received 2024-10-20
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (IL)

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 has violated my rights. 

I qualify and had applied numerous times for Public Loan Forgiveness ( PSFL ) and submitted proof of all my employment that qualifies.

I am also eligible for the XXXX XXXX XXXX XXXX XXXX XXXX ) discharge and the debt still remains on my credit report.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-16
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: Experian Information Solutions Inc. (PA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX # XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX PA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX .... Balance : - ; XXXX XXXXXXXX .... Balance : - ; XXXX XXXX  XXXX .... Balance : - ; XXXX XXXX XXXX XXXX XXXX. Balance : {$0.00} ; XXXX XXXX XXXX  XXXX .... Balance : - ; XXXX XXXX XXXX XXXX  XXXX .... Balance : {$0.00} ; XXXX XXXX XXXX XXXX .... Balance : {$850.00} ; XXXX XXXX  XXXX XXXX .... Balance : {$100.00} ; XXXX XXXX  XXXX XXXX XXXX .... Balance : {$720.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3000.00} ; XXXX XXXX XXXX Balance : {$5000.00} ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$98.00} INQUIRIES : XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (IN)

I am seeking forgiveness under the PSLF program. I have made over 120 qualifying payments. However, the department of education has lost almost three years of my payment records and I have been trying for over one year to have this fixed. My servicer, and the department of Education, does not show any payments made from XX/XX/XXXX through XX/XX/XXXX. I made all payments during that time. However, due to the age, my banks do not have any payment records to provide me. I have no way to prove I made these payments and the only place that should have the correct information has none.
Consumer complaint received 2024-10-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (AP)

I was notified on XX/XX/year> that Federal Student Aid ( FSA ) had approved me for PSLF. On XX/XX/year> XXXX conveyed a message to MOHELA to discharge my loans. I called MOHELA on XX/XX/year> and requested that they detail why they had not discharged my loans after receiving notification from FSA to discharge my loans through PSLF, but MOHELA stated they had an account transaction error and it would take up to 90 days to " rebuild my account '' and then discharge my loans. This makes no sense and is not transparent, and should not take this long. It makes no sense that MOHELA needs to rebuild the account to issue forgiveness, when FSA has already stated that forgiveness needs to be issued to my account. My loans should be discharged and then if the account needs to be rebuilt for refund purposes, this can happen on the back end.
Consumer complaint received 2020-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have sent a total of 3 disputes requesting that inaccurate information be removed from my report. They keep responding the information has been verified without sending any documentation which give them the right to list this inaccurate information on my report. The reporting of this inaccurate information is destroying my credit I have sent all letters certified mail I have receipts upon request, I also have copies of all letters & copies of the company response.
Consumer complaint received 2020-09-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (FL)

I was traveling on a transatlantic cruise from XXXX to XXXX, XXXX that was to arrive in XXXX on XX/XX/XXXX. My XXXX year old husband, my XXXX XXXX XXXX  brother, and my sister in law were with me. All of us are seniors. On XX/XX/XXXX, we received notice from family members telling us of the travel ban instituted by our President. Originally XXXX was not one of the airport approved for returning citizens however, we did not know that. We quickly started searching for flights to get us safely home and purchased 4 tickets on XXXX which I paid for with my Barclay XXXX XXXX credit card. At the time of the purchase I agreed to include the offered insurance, but XXXX accepted the ticket purchase and then notified me that the insurance had ( conveniently ) been denied. Within minutes I was on ship to shore radio, provided at the kindness of the cruiseline, asking XXXX to cancel the charge. In the chaos of the travel ban, the customer service agents at XXXX were overwhelmed and frankly very uncaring. All I got was we cant help you. I also reached out to them through their message method and got the same thing. I called Barclay and XXXX and got no help from Barclay and no answer of the phone or messages from XXXX. I have worked very hard now for 6 months to get some assistance from my credit card company that claimed when they signed me up to be my advocate. Can you please help me?
Consumer complaint received 2016-06-13
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

This is a dental practice loan. Applied for refinance. This company already has the original loan. Process started in XX/XX/XXXX. Company has not been adequately responsive for last 2.5 months.. meanwhile I am paying the added interest to them. 
They are not answering emails or phone calls. I have been " approved '' per agent ( XXXX XXXX ) yet received no call backs for over ten days. HE is consistently not responsive. I left messages with other agents in an attempt to move this along. still no response
Consumer complaint received 2020-09-11
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. (TX)

All those student loans accounts were result of identity theft, Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of XXXX that I did not authorize see the attachment.
Consumer complaint received 2020-08-16
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Long & Foster Financial Services, Inc. (NJ)

I was with Prosperity Home Mortgage LLC and I had difficulty in the application process. I was not happy with the service or how I was being treated. During this time I was made to pay {$500.00} for an FHA appraisal before any underwriting began and I would like to have a copy of it as I was promised. I called this morning XX/XX/2020 and was promised it would be emailed to me today XX/XX/2020 immediately. This company always promises things and then doesn't carry through. Please allow me to get my appraisal and have my FHA loan number freed up for my new lender to process my loan.
Consumer complaint received 2020-09-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY (FL)

This is the credit card American Express the account was close by the bank because the charges were no mine and they want to be responsible to make payments for the Charges on the card I called them then everything they dont seem to take it or remove it from my credit bureau
Consumer complaint received 2020-09-11
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX XXXX I had opened up a dispute with BOA XXXX Credit card. I had informed that the XXXX XXXX XXXX that I had returned a defective jacket. XXXX acknowledge the defect and return. The sent out another replacement jacket but it never arrived. I in turn requested a full refund of {$850.00} and was credited by XXXX XXXX. BOA XXXX CC was suppose to credit the full amount of {$850.00} but it was never credited to my account. This in turn cause the dispute between myself and BOA XXXX CC. This resulted in the late payment. 
I have provided the necessary document on the return, pic of the defect, and follow email of the non arrival of the replacement item. I still have the corresponding email between myself and the XXXX vendor. I can provide all of this to help prove my case. 
XXXX  Credit reporting number : XXXX I have also paid the amount in full to BOA in hoping to avoid further late charges and negative reporting. and hoping to resolve it through the credit reporting.
Consumer complaint received 2020-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (FL)

MY NAME IS XXXX XXXX. MY PHONE IS XXXX. MY ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX FLORIDA XXXX. I HAD A SECURED CREDIT CARD ACCOUNT WITH CITI BANK SINCE ONE YEAR NOW AND I DECIDED TO CLOSED IT SINCE THREE MONTHS AGO BECAUSE I NEED MY FUND TO PAY MY BILLS DUE TO THE PANDEMIC, I HAVE NOT WORKED FOR A FEW MONTHS NOW AND I NEED THE FUND TO PAY MY BILLS BUT EVERYTIME I CALLED THE SAID THE FUNDS IS ON THE WAY TO ME FROM SINCE LAST MONTH BUT I HAVE NEVER RECIEVED ANY. MY ACCOUNT NUMBER IS XXXX XXXX XXXX XXXX. I ALSO HAD CHARGES THAT WAS REFUNED TO ME ON THE ACCOUNT BUT SINCE I CLOSED THE ACCOUNT THE PUT BACK THE CHARGES THAT WAS REFUNED AND REMOVED FROM MY FUNDS WHICH I HAD TO PAY. THESE CREDIT CARD COMPANYS DON'T CARE ABOUT HOW MUCH PEOPLE HAVE TO STRUGGLE IN LIFE BUT ALL THE WANT TO FIND A WAY TO RIP YOU OFF, THIS IS ONE OF THE MAIN REASON WHY EVERYONE HAVE HAVE TO SUFFER THIS PANDEMIC. THER ARE NO HONESTY NO SYMPATHY FOR ANYONE, EVERYTHING THAT MATTERS IS MONEY AND POSITION NOTHING ELSE. I WOULD BE GREATLY APPRECIATE YOUR HELP AND YOUR SUPPORT ON THIS MATTER AS SOON AS POSSIBLE. THANK YOU. 
XXXX XXXX.
Consumer complaint received 2020-08-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: STERLING BANCORP (DC)

My husband and I contact Sterling National Bank, to inquire about mortgage forbearance in XXXX. We requested the terms of any possible forbearance to be sent to us in writing. Within a few days, the bank sent us a letter detailing the forbearance. After review, we decided not to execute the forbearance paperwork. We continued to pay our mortgage on time, in full. Interestingly, Sterling National Bank continued to send us our regular monthly paperwork, showing that our payments were received, and showing an ongoing reduction in our mortgage. I would emphasize, we NEVER signed paperwork executing the forbearance paperwork. 

On XX/XX/2020, we received notice that our forbearance period was ending, and we immediately investigated our credit and saw that Sterling National Bank had put our account into forbearance ( but collected our full mortgage payment monthly ), and notified credit bureaus. Sterling National Bank had no right to put our accounts into forbearance, and unilaterally put our account into forbearance without our agreement. This is in clear violation of federal law not to mention traditional contracting principles. Moreover, Sterling National Bank continued to receive our full timely mortgage payment monthly, and never mentioned forbearance on our monthly mortgage statement. 

We request that the CFPB immediately investigate Sterling National Bank. Their mistake will likely have impacted not only our mortgage, but countless others. 

XXXX and XXXX XXXX
Consumer complaint received 2017-03-27
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Navient Solutions, LLC. (OR)

In XX/XX/XXXX I took out student loan with XXXX. It was for XXXX. But after about 3 weeks and XXXX allotment of XXXX was paid to school I got JOB with XXXX and no more money should have gone to school. I ignored it, then in XX/XX/XXXX is was injured at work and was placed on XXXX and my income dropped below poverty line and in XX/XX/XXXX I took XXXX loan discharged from XXXX. Then in XX/XX/XXXX XXXX XXXX started billing me for total amount of loan XXXX. I sent copy of discharged loan then XXXX and XXXX bought loans and they have been reporting on my credit report and ruining my credit. They continue to call me every morning eastern time. I live Pacific time. I have reported to XXXX and they show XXXX balance as it should and then it shows XXXX with late payments and XXXX balance. I also reported FRAUD against school
Consumer complaint received 2020-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

I have sent a total of 3 disputes requesting that inaccurate information be removed from my report. They keep responding the information has been verified without sending any documentation which give them the right to list this inaccurate information on my report. The reporting of this inaccurate information is destroying my credit I have sent all letters certified mail I have receipts upon request, I also have copies of all letters & copies of the company response.
Consumer complaint received 2020-08-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (NY)

Received a Notice of Collection from Penn Credit Corporation to an address that I have not lived at in 29 years. They are trying to collect {$880.00} from a company XXXX XXXX that I have never ordered from and have never had a credit card with it. I called on XX/XX/2020 to let them know that XXXX XXXX is known as a scam on the XXXX and that their company I am sure is too. They said they have a social security number on file and tried to get me to tell them the last four digits of my number, which I did not. I also looked up Penn Credit Corporation and they have many complaints on the XXXX as well.
Consumer complaint received 2020-09-11
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. (TX)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.