davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MS)

This is the second time this has happened since  XXXX . My unpaid interest was capitalized because FedLoan Servicing, the company managing my loans, did n't " receive my documents in time '' for Income-Based repayment.     In  XXXX , I began the recertification process on  XXXX   XXXX , sending documents to FedLoan Servicing. I was never told what date I needed to recertify by. So I started the process when I got an email telling me I should. I was told they did n't get them in time because they are so busy, so my unpaid interest was capitalized on  XXXX   XXXX . My balance jumped from  XXXX  to  XXXX . My next months payment was {$1000.00}. Then my plan would continue on Income-Based repayment the following month.     This year, I sent in documentation on  XXXX   XXXX  after receiving an email to recertify. I was emailed on  XXXX   XXXX , told my recertification was " on hold '' so I called the company. I was told that due to an error when I filled out the digital paperwork ( following the instructions on their website ) my recertification was on hold. And that it would n't make it through on time due to FedLoan Servicing being behind schedule. My interest would capitalize and my payment would be {$1100.00}. My balance is now {$110000.00}. And it is through no fault of my own.   Again.
This is unacceptable. I work hard to pay what I can afford and am being pena  lized unfairly by a company that has no interest in resolving my debt, but is more than happy to increase it. Even when it is due to their own negligence.     Because the scenario that is playing out is this. I pay what I can afford because my job does n't pay me much as I serve the public. But the unpaid interest that accrues is substantial because my job is n't as lucrative as it is beneficial to the community. FedLoan Servicing is incentivized to fail at properly scheduling things. It is incentivized to put my paperwork on hold. As any delay in the processing of my rectification means an increase in the principle of my loan. The higher the principle, the more interest they can collect. They know that I 'm struggling to keep up with my principle and interest payment, so they know I will accrue more unpaid interest. And, FedLoan Servicing is again incentivized to slow down the processing of my paperwork to, again, capitalize my unpaid interest. That means they can charge me more.     The proof is in my principle inflating from {$99000.00} in  XXXX  to {$110000.00} in  XXXX  despite regular on-time payments, multiple extra payments, and following instructions laid out by FedLoan Servicing.
Consumer complaint received 2024-10-22
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. (TX)

Dear CFPB, I am writing to file a complaint against XXXX for misreporting an installment loan as revolving credit on my credit reports with XXXX, Equifax, and XXXX. The account in question is for a water system and functions as an installment loan, not a credit card. 

Despite contacting the creditor, they have refused to correct the classification of this loan and continue to insist it should be reported as revolving credit. This misreporting is artificially inflating my credit utilization ratio and negatively affecting my credit score.

I believe this misclassification violates the Fair Credit Reporting Act ( FCRA ) in the following ways : FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : The credit bureaus are not ensuring maximum accuracy by reporting an installment loan as a credit card.

FCRA Section 623 ( 15 U.S.C. 1681s-2 ) : The creditor has not fulfilled their obligation to provide accurate information to the credit bureaus.

In accordance with FCRA Section 611 ( 15 U.S.C. 1681i ), I am requesting that the credit reporting agencies correct this information within 30 days as required by law. If this account is not corrected within this timeframe, I request that it be permanently removed from my credit report as it is currently inaccurate and harmful to my credit standing. 

I kindly request that the CFPB investigate this matter and require the creditor to correct the account classification or remove the account entirely from my credit report if the correction is not made within the legal timeframe. 

Thank you for your assistance.
Consumer complaint received 2017-05-09
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: American Credit Resolution, Incorporated (CA)

The calls started a few days ago. They also operate by another name XXXX, also based in Georgia. They claim to be attempting to collect a debt for an online loan. I have resolved all my outstanding accounts, by either having them discharged in my bankruptcy in 2015 or have settled directly with the company. I receive mulitple text messages, threats by email and harassing phone calls threatening legal action. I have repeatedly asked them to stop and have they have not. I am including a copy of the long list of BBB complaints about this company
Consumer complaint received 2017-05-10
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. (WI)

I have a reported a fraudulant account on my credit report several times to Equifax. I was told I needed a police report in order to prove identity theft and request any removals, which I have done.   I requested proof of my signature for validation of debt. The credit bureau did not provide any proof of requested verification, after I have stated it was a fraudulant account. Equifax stated it was verified, but with no proof of verification and stated they are not required to provide proof.   I have sent police reports and affidavits. The said company could also not provide any proof of my signature verifying debt, stating they didnt h ave one on f ile, so how did the credit bureau verify debt if this is the case??. I Was told by the company reporting the debt, that the account was open online, therefore they ca n't prove if it is legitmate or not. They also, sold the account/debt, but yet, are currently still reporting it, as charged off, with a balance, past due and revolving? As you know, it is the law, that credit bureaus report accurate and complete information on a consumer report or they must remove it. Given there are several issues with this item being reported and it is a fraudulant account, I am expecting it will be removed immediatley.      Fraudulant Item  being reported incorrectly by Equifax :  XXXX  Acct #  XXXX
Consumer complaint received 2017-05-08
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)

Currently I am undergoing financial hardships brought about by incorrect, untimely reporting! Trying to reach any of these bureaus is a farce. I understand they are now under the control of   XXXX   XXXX   XXXX   but frankly same old, same old. The reports still reflect incorrect information and wrong information not reflecting paid accounts and   XXXX   balances from months ago. In fact my score has not reflected positively due to this. Opinion- forget all they hype someone creates the scores and by experience they are being evidently manipulated to cause me to pay more. Someone has to have responsibility! You can not pay and go down or stay the same!
Consumer complaint received 2017-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (NC)

I had an account with  Santander  that beca me 30 days d elinquent in   XX/XX/XXXX . The account was never brought current and reported negatively on my credit report until the account was paid in full in  XX/XX/XXXX . According to the FCRA 623 ( a ) ( 5 ), this account should be re moved from my credit report. It has been re-aged by the original creditor to reflect a different date of default. The account has been aged more t han seven year s from the original date of delinquency and should be removed from my credit report. I have supplied a copy of my credit report from     XX/XX/XXXX  sh owing the original status of the loan, prior to it being paid in full. I have disputed the information with  XXXX   XXXX   XXXX , whom has supplied an updated credit report still showing the account with the illegally re-aged account. The credit report also fails to show the date of first delinquency (   XX/XX/XXXX  ) and the date of first delinquency reported (  XX/XX/XXXX  ) as required by the FCRA. I have attached a copy  of the updated credit report as well. This account should be removed from my credit report as it has reported negative information  for 9 years.
Consumer complaint received 2023-06-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: DApps Platform, Inc. ()

I created an account with TRUST wallet in XXXX of 2022, at the time I barely used it, it wasn't until XXXX that I decided to transfer more money to store my savings in crytpo, around {$4000.00}. 
On XXXX the XXXX of this year XXXX were stolen from my wallet Along with XXXX worth of ETH. I believe it is related to a vulnerabilty that the company admitted https : XXXX, since it fits the frame time in which said vulnerable accounts were created and how they were created ( through the chrome extension ). 
They are not only addmitting the issue, they have made some refunds https : XXXX I contacted the company in three ocasions, the first two times, they inquired further into the issue, and asked for information about the stolen funds, which I provided in full, including the hash containing the address that took the money XXXX In those two ocassions they closed the tickets and completely disregarded my claim without providing any information at all. 
The last time I contacted them was through the form that they provided for the people affected by the vulnerability, which was also disregarded but this time they said that since I didnt get a notification about the issue on my app, they could conclude that I wasnt affected by it and that I should feel safe now to use the wallet. 
I'm attaching the addresses from which the money was taken. 
This is all I can think of right now. 
Hope you can help me.
Consumer complaint received 2017-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

According to my most recent credit reports, Navient has reported  XXXX  student loan s (   XXXX  federal,  XXXX  private ) as receiving late payments. This is inaccurate.   According to my reports from all three credit reporting agencies, I had  XXXX  payments 90 days late in  XXXX . According to the Navient service rep and my account history, this reporting was caused by the system marking me  XXXX  late as of  XXXX  date is less than  XXXX  weeks from my leave from Florida  XXXX  University, and marking me again as 90 days late on  XXXX  date is less than 90 days from the prior reported date and well before the end of the 6 month grace period that should have been in effect after I left   XXXX   XXXX   XXXX   in  XXXX   XXXX .     These items did not appear on my credit report until this year, which is odd, since they were not reported at the time of alleged late payment. These items furthermore do not match the records in my Navient history. I have made on time, auto-pay payments consistently since I began repayment and have an otherwise perfect payment record. I am not sure why these are reported as late years after the fact.     I sent a dispute letter to Navient on   XXXX   XXXX   XXXX    Navient responded that they had investigated and confirmed the accuracy of the report.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I am writing to formally dispute certain information in my credit report that is a result of identity theft. This dispute is being made under my rights as outlined in the Fair Credit Reporting Act ( FCRA ), specifically Section 605, which requires the removal or blocking of information resulting from identity theft.

The fraudulent accounts and inquiries that I am disputing is documented in my FTC affidavit, which requires by law that you removed this fraudulent account from my report at once
Consumer complaint received 2017-05-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: TD BANK US HOLDING COMPANY (FL)

I had a personal loan from TD bank, that I had set up auto payments from my bank account. For various reasons last   XX/XX/XXXX  I had asked to have the bank account # that the payment was being auto debited from  changed to another account, as I planned on closing the current account.
 On   XXXX   XXXX  , 2016 I received confirmation that the automatic payments was set up to pull out of the new account#, however even though I received the confirmation that the payments were set up to pull from the new account, the payments were still trying to debit  from the old account# thus causing me  to be delinquent. I was advised from the banker that was helping me to go in a branch and make the payment or to mail it because she couldn't guarantee that the payments would pull correctly so just to make sure I should make the payments in person. This was causing me to either make double payments, because I never knew when and what their system would actually do.
 After numerous calls, email, letters, repeatedly to attempt to fix the problem, I was assured everything was fixed, however I continued to receive a past due notices  EVERY MONTH TILL TODAY, which concerned me as I knew I had made all necessary payments. I made many calls, and expressed my concern and worry that my credit would be impacted, not to mention I was concerned there were no fees charged, but I was told, NO LATE FEES< AND NO LATED PAYMENT HISTORY....! 
After several months of the delinquent notices, again I had concern  something just wasn't right, so I called again, and this time, the person I spoke to finally admitted to me that I had in fact been charged late fees and it was showing as being delinquent.  How upset do you thing I was???
After speaking with 5-6 more TD employees, the final word was that somewhere in all the chaos they were showing one payments was not made in   XX/XX/XXXX , months late r, now, event though I know all the payments were made. I attempted to get all my old records, however, the bank I had my account with was sold, and the new bank was requiring a $ XXXX  research fee to give me my record.  
No need to tell you how angry I was, and at this point I had enough and all I was going to take from this terrible nightmare, and not to mention all the time I have spent with all this back and forth, I was done at this point. I continued to call and demanded that all my funds be refunded, and if my credit was impacted, I would be hiring an attorney and I had every intention in pursuing this, but at the end of the day I just want all my fees refunded and I would pay off the loan and be done with all of it,, however, they are now not returning $ XXXX  in fees just because they feel they can. I work in the   XXXX   XXXX  , and never , ever,  have I  seen a customer been treated they way I have from TD Bank.
Consumer complaint received 2024-10-25
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)

Consumer Name : XXXX XXXX Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened at XXXX {$15000.00} an auto loan account opened at XXXX XXXX {$13000.00}, and a collection account opened at XXXX. XXXX XXXX XXXX on XXXXXX/XX/XXXX with a balance of {$710.00} that appears related to the aforementioned Fraudulent accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2017-05-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

Specialized Loan Servicing ( SLS ) acq uired my loan sometime prior to  XXXX . Also, during the acquisition period, an insurance check was issued to me and the loan servicer for a roof replacement made well befor e SLS ac quired the loan. SLS did not endorse the check and return to me, rather they credited it automatically, without consulting me, to mortgage payments. When I learned of the credit towards the mortgage payments, I accepted it and noted that  the next 4 payments were paid in advance. During that 4 month period, SLS determined that they did not have the right to apply the funds to mortga ge payments and reversed the payments ( thus immediately creating a default ) and then placed the funds in an escrow account. I was then sued for foreclosure. I tried to contact  counsel for SLS wh o refused to provide a workout or application for workout. In  XXXX   XXXX  I received notice of foreclosure sale having never had the opportunity to apply for modification nor did they provide me with the $  XXXX  which  SLS was   holding. My attorney got involved and I received a modification package. My attorney also provided me with an email that accidentally included an internal email between SLS and their counsel stating that they had already set the sale, would deny my application when received and go forward with the foreclosure sale. In other words, they had no intention of processing the modification package. When it was brought to SLS ' attention, they asked that the email be destroyed and they provided me with a modification. When I asked about my $  XXXX  the  SLS r epresentative said that I would get it back after paying 6 months of mortgage payments. I objected but they refused to return me the money. Further, my mortgage is now over {$200000.00} because of fees, costs, unpaid interest, etc. that they tacked onto the back end of the mortgage. My original mortgage in  XXXX  was for {$120000.00}. It was refinanced once and was approximately $  XXXX  at the time this issue began with SLS. I paid 6 months of mortgage and have spent the past 5 years trying to get my $  XXXX  back. I sent emails on the SLS site, I spoke with representatives and finally at the beginning of this year, I was told that they would not return my money without an attorney. I told them to apply it to my mortgage payments. They refused and now they are returning the mortgage payments I am making monthly. I expect that I will be receiving a foreclosure suit at any time.   I have also learned of others who have SLS mortgages that went into foreclosure, that were not provided a mortgage modification package until days before the foreclosure sale and lost their homes because SLS did not process the modification package in time.   I did not delete the email and still have the email string containing the discussion about automatically denying the application when received and that a foreclosure sale date was set before ever providing me with the modification package.
Consumer complaint received 2017-05-10
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was marked 90 days late 4 times by  XXXX  this  XXXX  of  XXXX . I had placed the account in forbearance when my car was totaled from a major car accident in  XXXX  of  XXXX . I had sustained injuries and had to be transported to the ER during my accident. My son and I was out of a car for months. However, I signed off on a new plan called " Pay As You Earn. '' I was told I can make payments based on how much I made that month. The representative told me that 's how the program works. So, I made payments when I could and they knew my situation. I had no idea I was in violation until  XXXX   XXXX . Not once was a notice sent to my house. Anyhow, once I received the email alert that m y credit score has ch anged ( I belong to a credit monitoring service ), I logged on and saw my score was knocked down from a  XXXX  to the  XXXX  's. My  XXXX    XXXX   XXXX   XXXX   all together. I called  XXXX  the very next day and the representative explained the situation. I paid the past due immediately. I was told the only way they will delete the late payments is if I was in the military or if I was in school. I am a military veteran but was not in at that time nor was I a student. So, being in a major accident and sustaining injuries is not a valid reason? Even though you clearly have proof??? Anyhow, here we are today and I have gotten nowhere with the creditor (  XXXX  ) nor the credit bureaus. I wrote a  XXXX  page letter and attached supporting docs ( proof ) and even my lawyer got involved. No one gives  XXXX   XXXX  and I served this country so, they can proudly keep their jobs in freedom. It 's like I do n't even exist. What I do n't understand is how am I marked that many times in the first place? I am just lost.