davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: GREAT LAKES (NE)

I believe my student loan servicer, Great Lakes, is engaged in some shady practices. I have personally stayed on top of it, but I am tired of having to constantly make sure I 'm not getting screwed over and I 'm concerned that other people are getting screwed over because they do n't know any better. Here are some examples : I 've been repaying since XXXX XXXX. I started on IBR and moved to RePaye when it became available ( XXXX ). When I attempted to renew my IDR app in XXXX, Great Lakes " misprocessed '' my application and used my salary rather than my XXXX from my tax return. I know they are supposed to use XXXX, but none of my peers appeared to know that at the time. How many students are n't getting the relief they need or forgoing retirement and healthcare spending in order to make their student loan payments? 
When I renewed this year, they tried to move me off of RePaye to the more expensive IBR plan. After I called, their customer service rep said this was a mistake and that I would remain on the RePaye plan. 
Finally, Great Lakes claims that if I do n't renew my IDR app yearly, my monthly student loan payment will go up to {$1300.00}. However, when I use the studentloans.gov estimator, the standard repayment plan payment is only {$790.00}. The {$1300.00} number is the number that I am expected to pay at the END of the RePaye payment term. This does n't seem correct to me.
Consumer complaint received 2023-06-07
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. (FL)

15 U.SC. 1681 SECTION 602 A. States I have right to privacy 15 U.S.C 1681 SECTION A SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Without The prior consent of the consumer given direclty to the debt collector or the express permission of a count of competent jursidiction, a debt collector may not commincate with a consumer in connection with the collection of any debt.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (DC)

I have several unauthorized inquiries on my credit report. I have not applied for or authorized access to my credit report, and much of the inquiry info is wrong, unauthorized, and more. 

I'm also aware that my credit report and personal data have been detected on the dark web and in credit leaks.
Consumer complaint received 2016-01-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LD Holdings Group, LLC (IL)

I just received a new loan through LoanDepot. I 'm having trouble setting up an online account, as I want to pay beyond my minimum but i want to make sure I can set it up as additional principle. 

The web site wo n't let me register for an online account, and there is no phone number to talk to anyone directly. I emailed, and I got a response they needed more information - I do n't feel very comfortable sending my loan # and last XXXX of a social over email, but they wo n't communicate with me unless I do so. I 'm told 24 hour turn around. 

1 week later, I get an apology email for +24 hours to communicate, and then a " You can talk to us better if you click on email account rep in your loan account. '' But I ca n't get online. How do I communicate with a bank that communicates only online if I can not get online? 

I 'd love for mortgages to be like ANY other industry, where I can take my business elsewhere, if they 'll have me. I have perfect credit, I pay on time, and now I 'm stuck with this loan company? I do n't even know how to move forward with them. I obviously paid my first month through checking, but I like being sure my payments were received well before my payment date.
Consumer complaint received 2022-02-04
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: CITIBANK, N.A. (KS)

My identity was used to fraudulently open a credit card account with Citibank. My address was changed by the thief also. I have never had an account of any type with Citibank. 

I learned of a possible problem from the Department of Defense XXXX XXXX XXXX. When I checked my report I found that the payment for the card in my name was overdue and that was changing my credit score. 

I have repeatedly tried to inform Citibank but the representatives insist I must have an account to file a complaint or I must buy their fraud alert system. 

I have notified all 3 credit agencies, the Social Security Office, and MY ID Care has opened an investigation ( Case # XXXX ), XXXX XXXX, XXXX Ext XXXX The card was opened on XX/XX/21 to a person who claims their address is : XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, Tennessee XXXX.
Consumer complaint received 2015-07-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

Experian keeps putting a fraud alert on my credit file without my permission. I would like this removed as soon as possible. I am trying to open up a my social security account and ca n't because I have a fraud alert on my file. Here 's a copy of what they " claim '' I stated in which I did n't. " At your request, we include the following statement ( s ) every time your credit report is requested. 
ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XX/XX/2015. '' Again. I NEVER requested that and they are misrepresenting me.
Consumer complaint received 2017-03-31
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Westlake Services, LLC (CA)

Wilshire Consumer Credit XXXX XXXX XXXX CA XXXX Account numberXXXX Continual Phone Harassment On XXXX, a payment of {$770.00} against a due amount of {$750.00} was made. I am making over-payments [ greater than {$750.00} ] every month on this account. During the payment phone call of XXXX, the WCC rep offered to wrap a past due payment to the end to bring the account current. I accepted. There is currently a past due amount of ~ {$500.00}. The account is less than 30 days past due. 
On XXXX, I returned a call to customer service, during which I informed that the next payment will made on/about XXXX [ due date is the XXXX ], in the amount of {$800.00}. I continue to receive multiple calls daily, to my cell phone, and office phone, threatening repossession, even after sending a cease & desist email on XXXX.
Consumer complaint received 2017-02-21
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: The CFM Group (FL)

These people wont stop calling me or my family members, friends and work. They even harrass me on facebook. Telling me I 'm going to jail, they 're suing me etc. They call 100 times a day and night.They say that I 'll lose my home etc. This cc was my ex husbands from over 15 years ago and the bank says they charged it off years ago!
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: MID FLORIDA FINANCING LLC (FL)

This is XXXX XXXX, I would like to request that the CFPB investigate my complaint against Mid Florida Financing. 

I financed a vehicle from Mid Florida Financing, My vehicle was illegally repossessed on XX/XX/2023 in XXXX, the peace was breached in this repossession because the company XXXX second Recovery almost ran me over during the repossession on XXXX XXXX XXXX. 

Mid Florida Financing or XXXX Second Recovery has not complied with any XXXX  State or Federal regulations or statutes to legally have possession of my vehicle. 

Mid Florida Financing informed me my vehicle was sold at the auction. 

Im requesting a bill of sale from the auction. 

Im requesting to know what company or parties the vehicle was sold to. 

Im requesting to know what date time and location was the auction for my vehicle.

Im requesting to know if I owe any balances from the sale of my vehicle from the auction. 

I will be filing a civil action in small claims court and lawsuit against Mid Florida Financing if any information on my credit report is incorrect or not accurate. 

I will be electing to update a new address on file to receive all notices from Mid Florida Financing. 

As of today XX/XX/2023 I havent received any notices from Mid Florida Financing detailing the auction or repossession of my vehicle. 

The new address I want to elect my notices from Mid Florida Financing mailed to is XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXX Since XX/XX/2023 Mid Florida Financing has the wrong mailing address on file and I contacted Mid Florida Financing to elect for an updated address to receive my notices. 


I contacted XXXX XXXX requesting for the information to be updated and I requested for the usps tracking number for my notices. 

I will be filing new complaints with all XXXX State and Federal Agencies regarding my repossession and any information that is not correct on my credit report. 

Im requesting that Mid Florida Financing updated my account information to show on my credit report showing the balance I owe on the vehicle I financed from them. 

Mid Florida Financing can email me all details about my account.
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. (TX)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I ho

pe that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX Date of inquiry XXXX XX/XX/XXXX The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2023-09-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00}
Consumer complaint received 2016-06-28
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Fay Servicing, LLC (LA)

Fay Servicing cancelled the debt on a secondary ( charged off ) mortgage they ( presumably ) acquired from XXXX ( Originally written by XXXX ). Now I am trying to sell the property, and they are refusing to acknowledge they ever held the loan, despite having filed the cancellation of debt XXXX with the IRS. I have called, emailed, sent certified letters and my congressman even called them. I am completely at a loss as to how to proceed, with all the other involved companies out of business.
Consumer complaint received 2017-03-22
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

Hello there, I have been banking with Citibank for approximately 10 years, I just noticed that they have been withdrawing XXXX dollars per month from my checking account for almost two years just to keep my money with their institution, that was not the original agreement when I opened the account with them and I was not notified about that change in the contract neither. I 'd like to have all that money back to my account, those monies were collected without my express consent.
Consumer complaint received 2016-10-20
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIBANK, N.A. (NV)

To Whom It May Concern : I had contacted a local Citibank about refinancing a mortgage that I hold on a home in XXXX XXXX to take cash out of the equity for use in purchasing another home. I held a meeting with a loan officer at Citibank, XXXX XXXX XXXX XXXX ( NMLS # XXXX ), to discuss their refinance services and asked if they could give me what I would need to purchase a second home : {$150000.00} cash-out from my existing property that is nearly paid off. I provided them with an estimate of the home 's value as well as my income from the last two years, based on my tax returns, as well as the debt that I owe on my cars. The loan officer was optimistic about obtaining the equity, and informed me that I would have to pay for appraisal and application fees upfront, which came out to the disputed amount of {$520.00}. 

I left the office and received the attached document titled, " First Loan Estimate, '' which listed the amount that I was seeking and an interest rate that XXXX and I previously discussed. However, a few weeks later, I received the Second Loan Estimate, which specified that the loan would drop from {$150000.00} to {$85000.00} while the interest rate would increase from 3.75 % to 4.375 %. I wrote the loan officer an email where I explained that this is not acceptable and if it can not be corrected back to what we discussed, I would like to withdraw the application and to refund me the application and appraisal fees. 
The loan officer called me a few days later and explained that he could possibly raise the amount of the loan again but to give him a few days to see what he could do. I agreed, and then received the document titled Third Loan Estimate, which was for {$110000.00} at 4.375 %. 

I explained that this is not acceptable and that I can not purchase a second home with such a small amount, especially considering the fees associated with the loan. The loan officer agreed to withdraw the application but when I asked him to also refund me my upfront fees he replied, " Hi XXXX, we wo n't be able to refund the fees. As we had discussed they are not refundable. '' He never stated that the fees were non-refundable prior to paying them ( see the attachment titled Emails ), nor did he ever warn me that the loan amount could drastically change like it did. I would like to ask that the fees I paid be refunded.
Consumer complaint received 2017-02-20
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: EOS Holdings, Inc. (AL)

Original creditor ( XXXX ) billed the wrong insurance policy with no notice/contact to me however the hospital billed the correct insurance and was paid. I 've provided the collection agency with the correct insurance and had XXXX contact them as well, but the original creditor refused to resubmit bill to insurance for billing. Per XXXX they have to get resubmission from the original creditor. Collection agency told me they would remove this from my credit due to it being no fault of mine but it is still there. I was told by XXXX people at EOS CCA this was being filed for resubmission to the insurance, after speaking with XXXX, I was told they never received it. EOS CCA stated they are not allow to resubmit but file it with the original creditor who is REFUSING to resubmit or take any action to resolve this claim in over a year.
Consumer complaint received 2023-05-04
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. (PA)

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. 

XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THIS IS NOT MY ADRESS ADDRESS # XXXX XXXX XXXX XXXX XXXX PA XXXX THIS IS NOT MY ADDRESS EMPLOYERS : XXXX XXXX XXXX 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 2017-04-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: ACS Education Services (OH)

XXXX 2016 I began application process for IBR plan through my loan holder ACS. After faxing multiple forms provided to me on several occasions and emailing said forms I had fallen delinquent on my account so they suggested I put my loan into forbearance. After several month I was approved, given a reduced payment, taken out of forbearance and my accrued interest was rolled into my principal. I made the assigned payments on time each month. Each month I noted a late fee of {$120.00} about which I called on several occasions and was given a different reason each time. The most recent reason for the late fees I have been given is that my reduced payment amount ( that they assigned to me ) did not even cover the monthly interest and the late fee was accessed because I was not making a payment onto my principal. I then requested the dollar amount I would need to pay to avoid paying a late fee the following month and the operator was unable to clearly give me a dollar amount to pay in my next payment. I have had no resolution to this problem.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MD)

I was reviewing my credit report and noticed hard inquiries that do not belong to me. 

XXXX XXXX XXXX XXXX Date of inquiry : XXXX. XXXX, XXXX XXXX XXXX Date of inquiry : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX
Consumer complaint received 2023-04-24
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: EQUIFAX, INC. (GA)

Equifax continues to report wrong information to my credit report that have XXXX XXXX card ending XXXX and this account does not belong to. I have not applied for a card XXXX XXXX XXXX ending in this number or have given anyone permission to put me on this account. 
Equifax is a damaged credit by keep my credit score lower than it should be because they don't want to update my record until 30 days, and they do not contract the creditors.