davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

I attended the XXXX XXXX XXXX XXXX a college that has been closed and sued for misconduct. The XXXX administration even approved this past XXXXXXXX XXXX XXXX student loan forgiveness for all federal loans that were apart of this school/misconduct fraud. Somehow navient a private lender whom I'm not even sure how much loans got broken up from federal to private another misconduct from that scam of a school. Anyway I applied with an application to Navient for school misconduct forgiveness they have since denied me twice stating there is no misconduct or that I do not meet the requirements?! How vague is that?! How does XXXX lender and President see misconduct and navient is going to pretend otherwise. I want justice.
Consumer complaint received 2024-08-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc. (CA)

I am XXXX XXXX XXXX and losing my home due to the impacts of COVID. I have provided all financial information that my servicer Rushmore Loan Servicing required of me including the Modification Application, Proof of Income, Bank Statements, and tax returns via e-mail on XXXX XXXX. Rushmore Loan Servicing as acknowledged receipt of my package via a phone call and a letter that I received dated XXXX XXXX. Please see attached letter. He advised me after looking at my information that I did not qualify for any home retention programs. He also advised me that the foreclosure sale would not be postponed. In speaking with a HUD XXXXounselor I was advised that under the Homeowners Bill of Rights Act that not only am I entitled to a full review of all programs available that I also should have a right to understand why I was denied and be given a right to appeal. Furthermore, that dual tracking is prohibited. am being told that those rights are not afforded or apply to me which I do not understand. Attached, please find all information I provided to Rushmore Loan Servicing along with the correspondence I received acknowledging my information. My information was also provided more than 5 days from the foreclosure sale date.
Consumer complaint received 2023-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (UT)

Equifax pretends to address disputes sent on this platform, then tells the CFPB that they checked with the creditor but in reality never did. Instead they send the attached letters numerous times, continue to report the same errors on my credit, when I run them on the XXXX of each month. I submit proof in the complaints in black and white, with highlights on them, hand written and typed notes explaining what I'm seeing etc., yet they still submit fake answers to the CFPB complaints to adhere to some time line they're given. All LIES in their responses to the CFPB just to close the complaints and try to get rid of me. It won't work and I won't be gotten rid of easily. It is time to sue this corrupt company. This letter pertains to complaint # XXXX. This letter really tells the CFPB they never acknowledged my complaint nor contacted the creditors. They didn't acknowledge any errors they've made on the dates on any of my accounts, nor did they actually acknowledge that they continue to report them all as opened and in use in the year 2023, and state " pays as agreed '' when that indicates the account is still open, when it's been closed for many, many years! In many cases they're about to fall off this year and next. They're not honoring the disputes, that needs to be noticed and CFPB needs to step in now.
Consumer complaint received 2024-08-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (IN)

I'm on the XXXX plan w/ Mohela and XXXX payments away from XXXX XXXX I was told that my loans were in administrative forbearance, however my account is now showing that I am past due on a payment. The payment amount does not even match my monthly payment amount I was submitting prior to the forbearance. When I called, they said I was past due on XXXX of my loans but the other XXXX were paid in advance which makes no sense as they are all XXXX part of the repayment plan/PSLF. They also said I was past due because the forbearance temporarily lifted the day before my payment was due and that autopays do not work in those situations to which I received no communication or notice on. Regardless of the autopay situation, the payment was still for a random amount. The rep did confirm I'm on XXXX however I was told I was automatically enrolled in XXXX which should also still be in forbearance. I can not get clear information on what is happening with my account.
Consumer complaint received 2024-10-15
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Westlake Services, LLC (GA)

Westlake Financial {$29000.00} added this to my credit without sufficient, adequate validation of this debt. This is fraud and I didn't give this company permission to add this to my credit. This is violating my privacy. My personal information has been data breach and exposed.
Consumer complaint received 2024-07-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: KLS Financial Services, Inc (NC)

THIS Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on my consumer report. Also your agency needs a license to collect debt in the state of ( NORTH CAROLINA ) I would like your agency to show me proof of licensing to collect a debt if this cant be shown, I want this taken of my consumer report immediately.

Also the Collection Agencies have not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on my consumer report.
Consumer complaint received 2016-04-20
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: AMERICAN EXPRESS COMPANY (NY)

I kindly ask that if you could please do a courtesy adjustment of my previous XXXX sign up offer to your recent XXXX XXXX points promotion. I recently contacted you and was offered XXXX courtesy adjustment, and I truly thank you for that. But at the same time I had XXXX friends who had the same situation and simply called American Express and received XXXX XXXX points match in both instances. I simply ask that considering they were able to receive the higher courtesy match, I kindly request a match to that.
Consumer complaint received 2024-08-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MI)

On XX/XX/XXXX I paid MOHELA {$11000.00} that was supposed to entirely to my first 2 loans and pay them off as they had the highest interest rates. The money was removed from my account immediately but the transaction did not post for over a month at which point it was split amongst all 5 loans I have instead of the ones I selected ( I have the confirmation it was meant for those 2 ). 
For months now I've spent an obscene amount of time on the phone to be told it would be corrected but wait a week or 2, it's still not been corrected and they never sent the information I requested. I also filed a complaint with FSA XX/XX/XXXX and never heard back.
Consumer complaint received 2024-08-22
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)

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my repfrts and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commission 's Identity
Consumer complaint received 2023-03-15
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. (CA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance {$7300.00} ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$2500.00} ; XXXX XXXX XXXXXXXX XXXXXXXX Date opened : XX/XX/XXXX Balance {$25000.00} ; XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance {$9400.00}.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I sent this to XXXX within the last XXXX weeks. Apparently they lost and mishandled my personal sensitive information or they intentionally discarded it to stall the accurate reporting of my credit report. Whether by incompetence or deceitful practices please don't lose it again. This should be the simple part, not the time wasting, stall tactics being implemented here. You have now sent me XXXX request for this information, and I granted your request after your first letter. I can look through my records if I have to but I sent this around the XXXX or XXXX of XXXX of 2024. I have now received notice XXXX and XXXX for the same info, they both came today XX/XX/XXXX, post dated XX/XX/XXXX and XX/XX/XXXX. I usually give benefit of the doubt, but from my recent dealing with the credit agencies, this is unacceptable and it's clear from conversing with their agents and " specialist '' that they are ok with reporting and maintaining inaccurate information on my credit report and giving me the run around in fixing them.
Consumer complaint received 2024-07-08
Product: Debt collection — Rental debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSWORLD SYSTEMS INC (SC)

I attempted to resolve the issue about another payment amount and got refused and more money was added on. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' the financial institution and the Consumer reporting agencies XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked.
Consumer complaint received 2024-08-23
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. (FL)

XXXX XXXX XXXX has sent me an update for the 3rd renivestagation of an identy fraud case after i have requested the documants that they are using to do the reinvestigation many times nothing had ever been even they only re add the collection to my account after the collection agency sent a letter for them to remove the id fraud case is part of the same account they keep adding also i have signed up for thier service and they will not give my scores they continue to ask for payment. I have canceled the service and my information even on the free site is not there i sent many cert mail and called them many times to have the information given this is a violation of my rights INVESTIGATION RESULTS - VERIFIED AS ACCURATE : The disputed item was verified as accurate. 
XXXX XXXX XXXX XXXX # XXXX ( XXXX XXXX XXXX, XXXX, VA XXXX, Phone number not available ) We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE. Here is how this item appears on your credit report following our investigation. Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Installment Account Loan Type : AUTOMOBILE Balance : {$28000.00} Date Updated : XX/XX/XXXX Payment Received : XX/XX/XXXX ( {$0.00} ) Last Payment Made : XX/XX/XXXX High Balance : {$32000.00} Original Charge-off : {$34000.00} Past Due : XXXX $ XXXX Pay Status : >Charged Off< Terms : {$0.00} per month, paid Monthly for 80 months >Maximum Delinquency of 120 days in XXXX Remarks : DISP INVG COMP-CONSUM DISAGRS ; >UNPAID BALANCE CHARGED OFF< Date Issued : XXXX XX/XX/XXXX Page XXXX of XXXX INVESTIGATION RESULTS- VERIFIED AS ACCURATE AND UPDATED : The disputed item ( s ) was verified as accurate ; however, other information has also changed. 
LVNV FUNDING LLC # XXXX ( C/O RESURGENT CAPITAL SERVICES, XXXX XXXX XXXX, XXXX, SC XXXX, ( XXXX ) XXXX ) We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE ; however, we updated : Date Updated. Here is how this account appears on your credit report following our investigation. Placed for collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : DEBT BUYER Balance : {$22000.00} Date Updated : XX/XX/XXXX Payment Received : ( {$0.00} ) Original Amount : {$22000.00} Original Creditor : XXXX XXXX XXXX XXXX ( Financial ) Past Due : XXXX $ XXXX Pay Status : >In Collection< please see att proff of comany request to deleted also those company are not legally allowed to collect debt in florida
Consumer complaint received 2024-10-15
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. (OH)

MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX, XXXX Date Opened XX/XX/XXXX Balance {$890.00} XXXX, XXXX Date Opened XX/XX/XXXX {$1100.00} XXXXXXXX XXXX {$9400.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX {$8400.00} Date Opened XX/XX/XXXX XXXX XXXX  {$38.00} XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-10-15
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. (NJ)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the account, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-08-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc (OK)

I made an online purchase from XXXX for XXXX on XX/XX/year> My account was debited for my online order. The order was later canceled because they didn't have the product in stock. This order can not be made without payment. I have been waiting fir 4 days to receive my refund in my account but I never received my refund. I contacted XXXX they told me it could take upto 10 days. I checked my account and there is no record of this transaction which is very bizarre. So I contacted chime bank and a live agent named XXXX was the support rep. He told me my account was never charged. Then he stated the funds were refunded to my account. These were false statements because you can't place an order for pickup without payment and if the fun 's were returned where is the proof because there is nothing on my account. I already contacted XXXX and they stated it could take up to 10days or until chime bank release my funds. I checked my debit card and my checking account and there is no record of any kind not even for my initial purchase for XXXX
Consumer complaint received 2024-08-29
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Negative impact of inaccurate appraisal
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (TX)

This is not a duplicate complaint, nor has it been addressed. This is a separate issue from the initial complaint and was discovered 20 months after the initial reporting. HUD requires All Findings of fraud and material misrepresentation to be reported using the Loan Review System immediately. They also allow them to choose the source category out of XXXX which requires different remedies for each. Underwriting loan reviews are categorized into XXXX defect areas that represent fundamental characteristics of a loans eligibility for FHA insurance : 1. Borrower Income 2. Borrower Credit 3. Loan to Value and Maximum Mortgage Amount 4. Borrower Assets 5. Property Eligibility 6. Property Appraisal 7. Borrower Eligibility 8. Mortgage Eligibility 9. Lender Operations Defect areas are organized following a consistent pattern of sources, causes, severity tier descriptions and potential remedies. Cardinal Financial chose the category of XXXX XXXX rather than XXXX XXXX despite the defect being an appraisal error and omission. This prompted an incorrect excusal from HUD which Cardinal continues to use to escape accountability and close complaints for the past 34 months. They refuse to submit the loan defect in the correct category because the correct category requires the following. FHA is unable to determine appraiser and/or underwriter compliance with applicable policies for the appraisal, collateral valuation, or property acceptability due to absence of valid documentation. FHA is able to conclude that the property was not appraised and/or underwritten in compliance with applicable policies and the appraised value is not supported or the property is not acceptable as a result. Documentation required for specific property types, programs/products, or by construction status was not obtained to support FHA max insurable loan amount. Mitigating Documentation OR Indemnification - Life-of-Loan Meaning not only does Cardinal Financial have no quality control to prevent appraisal underwriting errors, when discovered, they avoid accountability by choosing the incorrect defect category.

A complaint will be submitted, despite marking it as a duplicate to escape accountability, until the loan defect is submitted to HUD in the correct defect category as was required 34 months ago.
Consumer complaint received 2024-06-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-08-23
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (MI)

I have Synchrony Bank for several of my store cards Lowes, Home Depot, QVC, Sams Club, the one in question here is QVC. The company began trying to force me to accept online ( email only ) statements vs physical ( hard copy ) ones by charging XXXX per statement for not accepting this demand. 
I called XX/XX/year> and was advised I needed to set up an online account with them to opt out of this feature and would be charged the XXXX each statement ( a fee for the physical mailing ). 
I voiced my concerns with this as I do not download any financial apps. related to my banking or credit cards. I requested to opt out of the online emailed statements. 
Most of my store cards, ( most of which I pay off in full each month ) are held by Synchrony Bank, thus, this would be an inordinate amount of fees being charged at XXXX per statement, per store card, per month.