davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I disagree with the account listed below which still appears on my credit report, even after their investigation. I would like this item immediately re-investigated. These inaccuracies are highly injurious to my credit score The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX ACCT NUMBER XXXX ( XX/XX/year> XXXX late ) This company has continued to violated my right in accordance with The Fair Credit Reporting Act, Public Law XXXX, XXXX VI, Section XXXX, Subsection A-D, Please Provide the names and business addresses of each individual with whom you verified the above, so that I XXXX follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2024-08-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USCB, Inc. (OH)

Since XXXX I have only taken my daughter one time to XXXX XXXX My wife has taken her to all visits after that. 
XXXXXXXX XXXX stated that there is a balance due of 18 dates of service totaling {$4100.00} for XXXX XXXX XXXX XX/XX/XXXX. 

I was listed as the guarantor even though my wife did paperwork to be the guarantor for XXXX and assume all medical debt responsibilities. 

My wife holds the medical insurance and she is the one who took XXXX to all of her Dr visits. 

We have XXXX other daughters as well and XXXX my wife pays all those medical bills. 

First credit was receiving payments from me like I stated earlier since XXXX but When they switched agencies to USBC, it was sold, and that is when this amount showed up on my credit report in collections. 

An amount of {$530.00} has shown up on my credit report in collections from XXXX XXXX. 

I had been paying $ XXXX {$40.00} per month for years to XXXX XXXX which is a collection. Agency that XXXX XXXX uses and this agreement kept any balance from going to my credit. 

However XXXX XXXX changed agency providers to UsBC America and this company reported it to the credit bureau. 

Now both USBC is telling me to go to XXXX XXXX to have the Debt put in my wifes name and XXXXXXXX XXXX manager is telling me to go to USBC to have them change the Debt to my wifes name. My wife has emailed XXXXXXXX XXXX requesting to assume the Debt and she has talked to both USBC and XXXX XXXX billing department and they keep pushing us back and forth and Im a big circle with no resolution. 

I also am very unhappy with the billing manager at XXXX XXXX, I called multiple times with no response and finally XXXX who is under the manager called me late Friday afternoon only to tell me they couldnt do anything. The manager wouldnt even call me herself after multiple requests. 

We also did not know that we had any debt from XXXX XXXX We were only receiving first credit, so XXXX XXXX did not send what they needed to us so we could understand. Only now are we receiving letters from XXXX XXXX after I have contacted them multiple times.
Consumer complaint received 2023-05-31
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. (TX)

XXXX XXXX account # XXXX This company is reporting my consumer information inaccurately as follows : 1. Its reporting as a charge off but says there is currently a balance. They cant claim as a loss on taxes & also still collect said debt. 

2. They are also reporting my last payment as XX/XX/XXXX on XXXX XXXX XXXX. Yet, on Equifax they are reporting XX/XX/XXXX as my last payment. 

3.Their reporting on XX/XX/XXXX under payment history says Charge off on XXXX, Paid on Equifax and then nothing for XXXX. 

4. Also they are reporting my account opened on XX/XX/XXXX but only reported to XXXX as paid. Then XX/XX/XXXX - XX/XX/XXXX show as paid on experian but XXXX as paid no issues with Equifax & XXXX payments ever on XXXX. 

5. Reported as charged off across all 3 bureaus but have not reported any payments to XXXX while reporting to XXXX as well as Equifax of payments.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (SD)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2024-06-04
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. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I originally opened an XXXX XXXX ending XXXX in 2022 which had a {$1000.00} initial credit line. In 2023 I learned XXXX bought XXXX and to prepare for the acquisition, they began updating the card numbers, which caused the original account to change to XXXX XXXX. My card stayed under XXXX XXXX until XX/XX/XXXX2023 at which time XXXX replaced the card with their own, however the account number ending XXXX remained and has remained the same. XXXX stopped being reflected on my statements in XXXX  2023, in XXXX  2023 XXXX  branding took over. However, in XXXX  2023, I decided to open A NEW CARD directly with XXXX  to help build the relationship. I was approved and issued XXXX XXXX ending XXXX which started and has remained with {$800.00} limit. That card is reporting and has reported since its opening. My issue is that my credit report HAS NO RECORD of the XXXX XXXX account whether you start from 2022 OR after the merger in 2023. Thats XXXX whole years of credit activity that is missing COMPLETELY. I just pulled my CR on XXXX and there isnt even a closed account under these details from XXXX or XXXX. I am trying to repair my credit and this has actually lowered it significantly. I demand that XXXX immediately update their records with ALL XXXX Bureaus with the correct and accurate info for XXXX XXXX XXXX starting from 2022 and going thru current date and onward. I have tried getting them to do this directly but they made me send a request and my CR but can not tell me when or how they are going to fix it. I called them on XXXX and XXXX and XXXX but they are unable to provide any information other than and I quote - WE REPORT TO ALL BUREAUS AND YOUR INFORMATION IS REPORTED AFTER EACH STATEMENT IS RELEASED, WITH THE NEXT ONE DUE XXXX. That can not be correct because I have XXXX years of statements online I can pull and NOT one has shown up on my CR at any time. I have also hired a credit repair company that has sent validation to the bureaus and Ally has failed to update ANY information as legally required under FCRA.
Consumer complaint received 2024-09-06
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (NY)

I was a Co-Signer on a Student Loan with Sallie Mae for My niece XXXX XXXX. XXXX attended and XXXX from a XXXX XXXX University earning a XXXX XXXX. To complete her studies she needed to borrow 9 loans from Sallie Mae currently totaling $ 260k plus with initially monthly payment of {$3300.00} but was able to get it reduce to {$1000.00}. The reduce monthly payment amount is a an extremely hardship since her income is barely keeping a roof over her head. XXXX  conversations with Sallie Mae Representative have been confusing and processing of the agreement to make the reduce monthly payment went through several clutches. For example she was enroll in auto pay where the fund was not withdraw from the Bank and after making a manual payment the fund was finally withdraw so this was double payment. Sallie Mae contacted me as the Co-Signer when she was two days late on a payment and now I am being inordinate with Sallie Mae calls requesting for Loan Payment. I understood that Co-signer only repay loan when the Signer default. XXXX has not defaulted and is making concerted effort to meet her monthly repayment. So now Both XXXX and I are being terrorize by Sallie Mae Student Loan Repayment. Off course she is totally stress out trying to get several job to meet this loan monthly payment demand. So what is our rights? and A Legal Remedy to get an affordably monthly payment. Is there any Loan Forgiveness Program for a Sallie Mae Student Loan
Consumer complaint received 2024-08-08
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)

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 XXXX XXXX XXXX. 

Account Name : XXXX : Account Number : XXXX : Balance : {$0.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$1200.00} Account Name : XXXX : Account Number : XXXX : Balance : {$1500.00} Account Name : XX/XX/XXXX : Account XXXX : XXXX : Balance : {$0.00} Account Name : XXXX : Account Number : XXXX : Balance : {$0.00} Account Name : XXXX : Account Number : XXXX : XXXX : {$0.00} Account Name :XX/XX/XXXX : Account Number : XXXX : Balance : {$4100.00} Account Name : XXXX : Account Number : XXXX : Balance : {$1700.00} Account Name :XX/XX/XXXXXXXX : Account Number : XXXX : Balance : {$2600.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XXXX 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 2024-09-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (MA)

Every month we put extra towards the escrow so we don't have a shortage. Our old payment was {$1600.00} ( My transaction history show my payment as {$1600.00}, which is a whole other issue that needs to be dealt with ). We then lost the mortgage insurance, and the payment went down to {$1600.00}. 
We get a email stating that we would be getting an escrow refund, but that our payment would be going UP to {$1600.00} from {$1600.00}. But then another document we have shows the payment going DOWN to {$1600.00} which I am assuming is based off the {$1600.00}, but the documents provided are inconsistent to the general consumer. You can't tell me my payment is going up but then send me something saying that my payment is going down. There is no consistency in any of your servicing documents sent to e or online. I went on line and discussed this with customer, which was of no help and just said I was getting a check back because I over paid and the payment was due to taxes and insurance going up. I understand that happens but I'm concerned about the inconsistencies sent to the consumer. Please see attached documents.
Consumer complaint received 2024-09-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MO)

Mohela convinced me to consolidate. Said my payment would remain the same. Income driven plan is the only plan that will work with my PLSF. PLSF is the only reason I was sent to Mohela as a provider. They keep putting me on a standard payment that does not Apply to this repayment option. Will not process my income driven plan. Have disconnect with me 3 times over the last 4 hours without resolution while Im waiting on hold for them to sort out Why my application has not been resolved in the last 5 months. I was told my consolidation would not affect my repayment plan. Now they wont fix this. Trying to charge me 2x what I should be paying without any of the payments working towards my PSlF. I spent the 6 mo the prior to this fighting to get on this payment plan. They had to repay me money back for their previous fraud now they are doing it all over again and charging me Interest saying I am late on incorrect payments..
Consumer complaint received 2024-06-20
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: EQUIFAX, INC. (IL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-09-12
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio (NC)

Unauthorized Collection Efforts : According to information provided by XXXX XXXX, the debt in question was sold to XXXX XXXX, and as such, Vance & Huffman LLC is not authorized to collect this debt. Despite this, you have continued to report this debt as open and with an outstanding balance on my credit report, which is inaccurate and misleading. 

On XX/XX/year>, you acknowledged receipt of my request for validation of this debt. Instead of providing the requested assignment contract proving your legal authority to collect, you sent a link to review loan documents, which fails to demonstrate your right to collect the debt. Your actions are not only a violation of the FCRA but also of North Carolina state law, which bars the collection of unauthorized or time-barred debts.

FCRA Violations : Failure to Provide Proper Validation : As required by the FCRA, you must provide a legal assignment contract or documentation proving that you have the authority to collect this debt. You have failed to furnish such documentation, despite my specific request.

Inaccurate Reporting to Credit Bureaus : You have inaccurately reported this debt as open and with a balance to XXXX and potentially other credit bureaus, despite having no legal authority to collect it. This constitutes a direct violation of the FCRAs requirement to ensure that only accurate information is reported.

Failure to Correct or Remove Inaccurate Information : Despite my dispute, you have continued to allow this false information to appear on my credit report, further violating my rights under the FCRA.

Violation of North Carolina Law : Your continued attempts to collect this debt violate North Carolina state law, as you are not legally authorized to pursue collection. North Carolina law prohibits the collection of debts that have not been properly assigned, making your actions illegal and subject to legal consequences. 

Remedy Requested : In order to resolve this matter without litigation, I demand that you take the following actions within 15 days of receipt of this letter : Cease all collection efforts related to this debt and cease reporting it to any credit reporting agencies, including XXXX. 
Provide written confirmation that the debt has been sold to XXXX XXXX and that you have no further legal right to collect it. 
Instruct XXXX to remove the collection account from my credit report. 
Provide written confirmation that all of the above actions have been completed. 
If you fail to comply with these demands, I will have no choice but to pursue legal action for violations of the FCRA, FDCPA, and North Carolina state law, seeking both statutory damages and compensation for financial and emotional harm caused by your unlawful collection attempts. 

I expect a prompt response and resolution to this matter.
Consumer complaint received 2024-09-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (OR)

I have continued to get the run around from MOHELA when inquiring around a refund on my student loans as an automatic/full class member of XXXX v. XXXX and XXXX my XXXX XXXX XXXX # XXXX. I have continued to attempt to contact MOHELA via phone and have been unsuccessful but messaging in my account has at least resulted in responses. However, the responses have not directly answered my questions and in their last communications they continue to say I am not required to make payments related to my XXXX case- which my loan balances are {$0.00} across the board ( both on MOHELA 's website and XXXX ) so there would not be anything to pay against. 

I submitted a previous complaint regarding MOHELA 's handling of my loans and the response was unsatisfactory and the complaint was closed subsequently by CFPB. 
I had uploaded and provided proof that I am a member of the XXXX  v. XXXX settlement including my letter/email from Federal Student Aid confirming my Borrower Defense XXXX XXXX application was approved and my loans were to be forgiven. MOHELA still claimed they had not been notified or received proof I was a member of the XXXX v. XXXX case nor that my loans qualified for forgiveness. Again, I have furnished proof of my applications approval multiple times. 

I submitted another complaint directly to MOHELA on XX/XX/XXXX. That complaint text is in XXXX of the attachments I have uploaded and their response. MOHELA indicated : Regarding your request, our records indicate that your loans have been XXXX and due to getting a refund, your account was recreated. As soon as the processing of your refund has been completed your account balance will again be XXXX. Refunds are generally received XXXX days of account being recreated. This was done on XX/XX/XXXX. We appreciate your patience. 

This means they have XXXX my loans and have been negligent in their credit reporting obligations under the FCRA for accurately and timely reporting of credit to all three bureau 's. Additionally, the date of my " account recreation '' was XX/XX/XXXX, which means that according to their XXXX day window, my refund should have been communicated and processed by XX/XX/XXXX. This has not happened and I have not received any communications via phone, email or XXXX mail from MOHELA. 

The deadline for the information to be sent to the XXXX Treasury to process my refund to me - and hundreds of thousands of other borrowers was XX/XX/XXXX as outlined in the settlement terms and most recent rulings on XXXX v. XXXX. MOHELA continues to avoid addressing my questions and concerns.
Consumer complaint received 2024-08-08
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. (TX)

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 2024-08-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Fay Servicing, LLC (FL)

I have called numerous times and emailed FAY Servicing. They have given me the run around and can not give me an explanation as to why my mortgage increased by {$610.00} a month since they took over. My taxes and insurance have not gone up. I have tirelessly called and requested to speak with a supervisor and I am ignored. I have proof of various emails and have been also ignored. This has been going on for more than two billing cycles. I have pleaded with anyone that picks up the phone for a resolution and NOTHING has happened. To whom ever is reading please help. You can XXXX  FAY Servicing and their reviews, as many of their clients are going through the same situation. This is so unprofessional, not sure how a company is ran this way. I am eagerly ready to show proof of all emails showing communication and lack thereof.