davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (TX)

Business Information Business Name : GM Financial XXXX : XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX Complaint Details I financed an automobile for my daughter through GM Financial in my name in XXXX. My daughter defaulted on the loan and I took over the payments in late XXXX. She was behind on the payments so I asked to refinance the loan but was refused. I worked with a gentleman in collections named XXXX XXXX employee # XXXX for several months making token payments until I was able to bring the acount completly current in XX/XX/XXXX with two payments of {$950.00} each which included late fees etc.. The account was paid through XX/XX/XXXX. I made the regular XXXX payment of {$470.00} on XX/XX/XXXX, 9 days before the due date of XX/XX/XXXX. I noticed late fees were showing on the account bringing the amount due to {$500.00}. I paid {$470.00} about {$5.00} over the amount due which should have been posted to principal. I inquired once in the month of XXXX and twice in the month of XXXX on their customer complaint website with no response regarding the late charges and fees that have suddenly appeared. XX/XX/XXXX payment will be due on XX/XX/XXXX and I looked on the computer dashboard XX/XX/XXXX to set up my XXXX payment for this account and see they have posted the entire {$470.00} payment of XXXX to interest only!! I am so disgusted because its very, very, very hard to reach someone at GM Financial who can add 2+2 and come up with 4!! I generally exclusively work with Mr. XXXX because he sounds like he knows something about what he is doing but he can be hard to reach. I am working very hard relinquish my association with GM Financial and incidents like this make it not be soon enough!! 
Update : I received a call from Mr. XXXX in collections XX/XX/XXXX asking me to give a little time for the company to resolve this matter and to be fair I agreed. I told him that to simplify matters my payment for XXXX would be in the form of 2 checks instead of being online. I sent check # XXXX for {$370.00} that is clearly annotated for Principal only and another check # XXXX for {$100.00} that stated clearly Interest Only. When I verified online that my payment had been received I noted that only c. {$75.00} was applied to principal!! Completely disregarding my annotations!!
Consumer complaint received 2024-07-01
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. (PA)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

XXXX : ** Complaint Against Equifax for FCRA Violations - Improper Verification of Bankruptcy **To : ** Consumer Financial Protection Bureau XXXX CFPB ) XXXX CFPB, ** I am writing to file a formal complaint against Equifax for violating the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, concerning the reporting and verification of a bankruptcy on my credit report and a collections account. 

**Details of the Issue : ** - **Credit Reporting Agency XXXX XXXX Equifax - XXXXDisputed Information : ** Bankruptcy entry, collections account - **Date of Dispute : ** XX/XX/year> - **Equifax 's Response : ** Per attached, Equifax Equifax indicated my bankruptcy was XXXX verified '' by XXXX XXXX. However, after speaking withXXXX XXXX they indicated they have no bankruptcy for me. I would like a detailed description as to how Equifax " verified '' the bankruptcy they have me as they are the only agency reporting it. 

I recently reviewed my credit report and found an erroneous bankruptcy entry listed. I promptly disputed this information with Equifax, providing sufficient documentation and explanation to support my claim that the bankruptcy report was inaccurate. However, Equifax responded by stating that they had " verified '' the bankruptcy and the account with XXXX XXXX as accurate.

Under the FCRA, 15 U.S.C. 1681i ( a ), credit reporting agencies are required to conduct a reasonable investigation when a consumer disputes the accuracy of information. I believe Equifax has failed to fulfill this obligation by either : XXXX. Conducting an inadequate investigation, leading to an incorrect verification, or XXXX. Neglecting to properly communicate with the furnishers of information or other relevant entities to determine the accuracy of the bankruptcy entry and the collections account with XXXX XXXX. 

**Request for XXXX : ** Given these circumstances, I respectfully request that the CFPB : XXXX. Investigate Equifax 's procedures and practices in handling my dispute to determine whether they complied with the FCRA 's requirements. 
XXXX. Instruct Equifax to delete or correct the inaccurate bankruptcy entry and the collections account on my credit report. 
XXXX. Impose any necessary penalties or corrective actions against Equifax to prevent similar issues in the future. 

Please find attached any relevant documentation, including copies of my credit report, my dispute letters to Equifax, and Equifax 's response. 

Thank you for your attention to this matter. I look forward to your prompt investigation and resolution. 

**Sincerely, ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-10
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: Experian Information Solutions Inc. (NJ)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2023-09-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (WA)

A little back-story : Applied for the SAVE plan on XX/XX/XXXX. Submitted an email on XX/XX/XXXX without any response. Meanwhile I'd been switched to the regular plan and showed around {$1700.00} being due. Had to call on the status on XX/XX/XXXX and spent XXXX hour and XXXX minutes on the call just to be told a lot of things that weren't true. First they said that they sent an email saying they needed income verification. Never got that email and I allowed them to pull my tax return when applying, so income verification is not needed. They finally concluded that they didn't know what was going on, but looked like something in the back end was being worked on, and to call back in 2 days. Very stressful. 

Now to my issue : Finally got the letter saying I'd been put on the SAVE plan on XX/XX/XXXX. Interest is still accruing and now the Nelnet portal shows no payment due until XXXX of XXXX. This is very concerning for a few reasons. While I currently have a {$0.00} dollar payment through the SAVE plan, I should still be getting credit toward the 25 years of repayments for my XXXX XXXX  monthly " payment, '' and interest should be subsidized and stop accruing on my end. Neither of these are happening with the way Nelnet is doing this. I've spoken to other loan-holders, and the same thing is happening.

Very frustrated overall at Nelnet 's slow processing time, little to no response, and continuing to handle my loan incorrectly. I don't have hours to fix issues every time they come up. And super concerned at how my loan is not being handled per SAVE 's guidelines which will result in me
owing more and more money that shouldn't be accruing.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Mr. Cooper Group Inc. (MI)

In accordance with the fair credit reporting act NATION STAR MORTGAGE/Mr.Cooper Acct # XXXXhas violated my rights under 15usc.1681 section 602 states I have the right to privacy under 15usc.1681section 604A section 2 it also states a consumer reporting agency can not Furnish an account without my written instructions. Under 15usc1666b A creditor may not treat A payment on the credit card account Under an open consumer credit plan as late for any purpose. Paid as agreed PAANL. 
Exclusions.-Except as provided in paragraph, the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2024-09-17
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Freedom Mortgage Company (TN)

I acquired a VA loan through XXXX XXXX- I submitted full payment, they kept it {XXXX}. 
They transferred my loan to XXXX XXXX. I requested a proof of claim, 15 U.S. Code 1692g - Validation of debts. They didn't reply to my request, they contacted the XXXX I received a letter from the XXXX saying that I was behind on my payment. I will be making full payment once they provide me with satisfactory evidence of a loan that I owe. I have made three attempts, in making my request of proof of claim, validation of debt. Also, I am aware of the securities fraud Home Mortgage Disclosure Act of 1975 ( 12 U.S.C. 2801 et seq. ), Real Estate Settlement Procedures Act of 1974 ( 12 U.S.C. 2601 et seq. ), Truth in Lending Act ( 15 U.S.C. 1601 et seq. ). I will take action if they refuse to provide me with accounting history, legal documentary evidence in a timely fashion.
Consumer complaint received 2024-09-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TN)

Navient XXXX loans have caused myself & millions of Americans to not able to live the American burden because they ensure that their loans are almost impossible to pay off. I graduated college in XXXX with barely {$20000.00} in student loans from Navient and XXXX XXXX  later my loans arent less but significantly higher ( @ {$35000.00} ). How is this possible. They are predatory and do not belong in the student loan business. 

I sincerely hope that the US Government acts to free people like myself and others who have been financially plagued and harassed by this company for over XXXXXXXX XXXX can finally find peace & freedom from this tremendous burden. 

Thank you, XXXX XXXX
Consumer complaint received 2024-09-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Fay Servicing, LLC (NY)

My Mortgage Servicer informed me that beginning XXXX, XXXX, my monthly mortgage payments would be increased to {$1600.00} from the previous {$1500.00} due to an Escrow shortage of my account. However, on the Mortgage Servicer 's website, my online account shows a monthly statement of {$1500.00}. I have been sending monthly payments in the amount of {$1600.00} via XXXX.
Consumer complaint received 2024-09-16
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Eastern Account Systems of Connecticut, Inc. (TN)

I received a debt collection letter from Eastern acct system of connecticut , inc. 
stating they are trying to collect a debt for XXXX XXXX  ; XXXX continues to sell my information to outside business without my knowledge and permission which is a violation of my consumer rights ; recently the same debt was trying to be collected by another company in which I disputed and it was closed because yet again they failed to prove to me how the alleged debt is owed ; and here we are again with XXXX trying to collect with a different debt collection company threating to place the account on my consumer report and ruin my credit ; I am tired of the harassment and the selling of my information ;
Consumer complaint received 2024-07-10
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. (FL)

This is my follow up in regards of the ongoing issue and I am submitting my complain and I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an items left that need to be removed. Per FCRA section 605 you are required to remove the items. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Please help me remove the following items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Diversified Adjustment Service, Inc. (DC)

In accordance with The Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602, which states I have the right to privacy. 15 USC 1681 states section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-ended Consumer Credit plan as late for any purpose.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: 1st Franklin Financial Corporation (MS)

This is my refilling of complaint to XXXX XXXX XXXX for allowing fraudulent inquiry on my credit report and it seems they are not taking action on my this very alarming concerns of mine. As I checked my recent credit report, the unauthorized hard inquiries since I never authorized any of these companies and are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX.
Consumer complaint received 2024-09-12
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Bankruptcy
Company: AES/PHEAA (AZ)

I have reached out to company, wont abide by my bankruptcy and you keep shutting my complaints out. They have started to report negatively on my credit and co borrower since I have been refusing to pay. I can not afford the loan and need the help of the cfpb and not say this complaint is the same as my previous complaint, this company is violating my bankruptcy discharge papers and wont help me out in any way
Consumer complaint received 2024-09-10
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (CT)

I was notified by XXXX that a XXXX XXXX credit card was opened in my name. I did not open this credit card. I looked at my credit report and the credit card was opened on XXXX and there was $ XXXX charged to the account. I called XXXX XXXX on XX/XX/year> and spoke to their fraud department and they were going to close the account.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (TX)

I noticed on my XXXX credit report that I have duplicate listings of my student loans. Nelnet is reporting a loan balance. However, Nelnet transferred my loans to XXXX so I no longer have a loan balance with Nelnet. XXXX is reporting this transferred loan balance. This is accurate. My credit reports shows Nelnet and XXXX loan balances, doubling my reported total student loan balance. This has dropped my credit score by over XXXX points. 

XXXX does not have duplicate listings but has Nelnet listed instead of the accurate loan servicer, XXXX.
Consumer complaint received 2024-09-12
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: Resurgent Capital Services L.P. (CA)

Lvn funding is listed in my credit report. I contacted them many times to validate the debt and ask for proof of purchase agreement. They have failed to provide the proof of the purchase agreement. This needs to be deleted from my credit report
Consumer complaint received 2024-05-28
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. (WA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-07-10
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. (FL)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (FL)

I was offered a FHA Modification Agreement that was to be signed, notarized, and Returned to Rushmore Mgmt. by XX/XX/XXXX. That was done and I was under the impression that all was well. That is until I made the first payment of {$1200.00} for XX/XX/XXXX ( Confirmation # XXXX ). On XX/XX/XXXX I attempted to make my second payment in the amount of {$1200.00} per the agreement. The online system reflected that {$2700.00} was due. I immediately dialed XXXX to speak with a representative to figure out what was going on. Unfortunately, the automated system could not understand my request to speak with a representative. After repeated attempts I gave up trying and hung up. On XX/XX/XXXX I called again and after many failed attempts I was finally connected to a representative. When I inquired about the past due amount online, she stated that my monthly payment is {$1900.00}. I informed her that I had a modification in place that states my payment as being {$1200.00}. That made no sense to me because I was looking at my copy of the modification. She proceeded to inform me that per their records, my XXXX payment needed {$710.00} additional to be complete. Once I hung up from that call I went back online to pay that amount. Only because I planned to reach out to the Consumer Financial Protection Bureau again for help. Back in XXXX, XXXX year and XXXX month after having my mortgage I found your organization. I had a issue at the time with XXXX XXXX  that the CFPB was able to intervene and assist me to great satisfaction. Please look into this because I need this clarification ASAP. I can not afford a almost {$2000.00} per month mortgage, nor does the modification say that amount. Lastly, when this modification was requested at no time did the mortgage company request any documentation of my rate of pay. When I initially obtained the mortgage I had to show how much money I made. So why doesn't a modification not inquire about finances to help determine what a Borrower can even afford? The modification agreement reads as follows : Borrower promises to pay the Unpaid Principal Balance, plus interest, to the order of the Lender. Interest will be charged on the Unpaid Principal Balance at a yearly rate of 7.2500 %, from XX/XX/XXXX. Borrower promises to make monthly payments of principal and interest of XXXX {$240.00}, beginning on the XXXX DAY OF XXXX, XXXX, and continuing thereafter on the same day of each succeeding month until principal and interest are paid in full. The yearly rate of 7.2500 % will remain in effect until principal and interest are paid in full. If on XX/XX/XXXX, ( the " Maturity Date '' ), Borrower still owes amounts under the Note and the Security Instrument, as amended by this Agreement, Borrower will pay these amounts in full on the Maturity Date.
Consumer complaint received 2024-09-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation (NV)

I had reported to CFPB on XX/XX/year>. It wasn't my bills and they XXXX  personal information. However they still XXXX  me. I would like to request of stop XXXX  and never contact me.