davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (NH)

I submitted my XXXX application on XX/XX/23 through Studentaid.gov to MOHELA. MOHELA still has not processed the claim and is ending my administrative forbearance today, XX/XX/23. 

I contacted MOHELA by phone twice on XX/XX/23. After being put on a callback list and waiting 3 hours for a call back, the servicer left a voicemail instead of actually calling me. I had to call back and sit on hold for 90 minutes before reaching a representative. The representative told me that my application had been processed but isn't reflecting on my account. She said that it would take effect soon, but never told me specifically when. They put me on a " LEVEL '' plan and are going to charge me {$610.00} instead of the {$250.00} from my XXXX application. 

I have also submitted an online message to them asking about this, but have not heard a response. I have requested to be put in administrative forbearance while they figure out how to apply my application to their website.
Consumer complaint received 2024-01-22
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: LD Holdings Group, LLC (CO)

Loan Depot is unable to tell me when and for how much I can expect my next insurance payment distribution, from water damage at my home. This is causing me to float several thousands of dollars to contractors. I am waiting on several paper checks, because they can only receive direct deposits, they do not send money out via direct deposit. When I call the loss draft number ( XXXX ), the person I talk with is unable to help me and says the " processor '' is the only one that can help me, BUT I can't speak with them or email them. Their " XXXX XXXX '' allows me to send questions but I don't have any receipt that they have been received and have not received any follow up from them.
Consumer complaint received 2024-06-27
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. (CA)

I have been a victim of identity, theft, and power of attorney fraud in account was open to remind him using my personal nancial information without my consent or permissible purpose. I never signed any documents, electronically or writtenly by wet ink. I never gave any of these companies, permissible, purpose, or consent, and I was never contacted to validate the accuracy of these accounts. Experian, XXXX, XXXX, and along with the creditors, are in violation of FCRA federal law, and may be held liable pursuant to title 15 USC 1680o and title 15 USC 1681n. Pursuant to FCRA 605B and title 15 USC 1681 c-2 I must demand made these accounts to be removed within four business days as permitted by federal law. Please provide me a purchase agreement and not a copy of a contract or statement coupon. failure to block and remove the account may result in initiation of arbitration or lawsuit against your company
Consumer complaint received 2024-05-08
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)

ATTN : EXPERIAN, XXXX, XXXX, XXXX RE : Debt Validation Required XX/XX/2024 To Whom It May Concern, I am requesting debt validation for items listed on my Credit report as " Derogatory '' and in " Collections '' Item in Question : XXXX XXXX Amount : {$2900.00} Account status : Derogatory Remarks : Collection Account Account information disputed by consumer, meets FCRA requirements DISPUTE : NOT LIABLE Obtain and provide a copy of a wet signature on a contract or document that holds me responsible for this alleged debt along with the identification documents used to validate this debt liability. 
Send this information to my address listed in the CFPB filing and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report completely. 
It is my understanding that you will recheck these items with the creditor who has posted them. 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. 

Please send an updated copy of my credit report to the address in this filing. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-08
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. ()

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: VW Credit, Inc (TX)

I reviewed my Consumer Reports and noticed that I had a XXXX  day late payment posted for VW credit, and that they reported this XXXX  day late payment fraudulently, inaccurately, and unfairly. As you can see from the attached screenshot, the Date of Last activity shows XX/XX/XXXX, and my account was NOT XXXX  days late on this date. I also called them on XX/XX/XXXX, and I have their company representative stating on their recorded line that they post XXXX  day late payments BEFORE the account hits XXXX days past due. This is fraud, and it is inaccurate and unfair reporting, which is a direct violation of the FCRA! This inaccuracy on my report has ruined my life and now I can't purchase a home because of this inaccurate reporting when I had perfect credit before this! They must provide this recorded call as evidence that their representative stated that they post XXXX  day late payments before the XXXX  days because this is what they actually did on my credit report. VW Credit must also prove that my account was NOT XXXX  days past due on XX/XX/XXXX, which is the Date of Last Activity by the company. 
I'm extremely concerned that VW Credit will not fix this because they had a XXXX XXXX XXXX back in XXXX where they were at fault for fraudulent and inaccurate reporting that they did not investigate and/or correct. 
Overall, they fraudulently, inaccurately, and unfairly reported my account as XXXX past due BEFORE it was XXXX  days past due!! This must be fixed and disciplinary action should be taken against VW Credit. 
Also, they are reporting the " date opened '' inaccurately. Please see screenshot provided.
Consumer complaint received 2024-05-08
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. (WI)

Did not consent to unauthorized items the items was not authorized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2016-10-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (NY)

My original mortgage was with XXXX. In XXXX 2016, I was informed that my mortgage would be serviced by Nationstar Mortgage as of XXXX/XXXX/2016. I received an escrow shortgage statement from XXXX in XXXX stating what I owed for the escrow account. If I paid the {$530.00} in full, my mortgage would only increase to {$1600.00}. I paid the shortage in full. In XXXX I get a mortgage statement from Nationstar stating my new mortgage will be XXXX starting XXXX XXXX. I called XXXX and they confirmed the receipt of the escrow payment and confirmed my monthly payment is indeed {$1600.00}. I was also told I would get a new statement from Nationstar ( which I never rec 'd ) showing {$1600.00}. I made my XXXX XXXX payment for {$1700.00}. Today ( XXXX XXXX ) I get another statement from Nationstar telling me my monthly payment is now {$1700.00} I called Nationstar and spoke with representative XXXX and later her manager, XXXX XXXX. XXXX states they do not on file that the escrow amount has been paid. I explained that a check was mailed on XXXX XXXX for {$530.00} and XXXX confirmed on XXXX/XXXX/2016 that the payment was rec 'd and credited as of XXXX XXXX, 2016. Nationstar is claiming until they do a full account analysis, my mortgage payment is {$1700.00}. I was never notified that payment was not rec 'd ( because it was ) or that my mortgage would be increased. XXXX from Nationstar states they will review my account and will contact me in 30 days ( end of XXXX ) of their finding. I informed Nationstar that all future mortgage payments will be {$1600.00} until they put in writing why I should pay more. I then called XXXX and spoke with same rep I spoke with on XXXX XXXX, 2016, XXXX XXXX and she confirmed again that the escrow payment was posted XXXX XXXX and my new mortgage should be {$1600.00}.
Consumer complaint received 2023-10-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (OH)

I discovered that several of my loans were in DEFERRED status until XX/XX/XXXX - when I was under the impression they would be in COVID/CARES Act Forbearance status. I submitted a letter to Mohela ( please see attached ) that includes all the dates of the loans for my Account # XXXX and requested for them to retroactively waive the deferment periods on my federal student loans identified in the letter from deferment period of XX/XX/XXXX to XX/XX/XXXX. 
Since the above request is imperative for me to consolidate my loans before the end of the year for my PSLF status, I needed this done promptly. After not hearing back for several weeks, I called Mohela and was on hold for over 3 hours. I spoke to a representative and was told that he needs to put in a request to have my deferment status changed to forbearance because I was supposed to tell them about this when it happened- I explained that ALL borrowers were under the impression that due to the pandemic that we would all have our student loans under forbearance and that I don't know why they would put me under deferment when the COVID/CARES Act allowed for me to have forbearance status - further, several acquaintances that I know had the same exact issue happen and were able to call in and speak to a supervisor and have their request granted over the phone - the Mohela rep told me that he can't do anything but put in this request to a different department and this can take 90 days to be reviewed. Again, I can't consolidate my loan without this being granted first, and I need to consolidate before the end of the year. Mohela should have not put me in deferment status when I was supposed to be in forbearance and now they are not correcting this status change in a timely manner.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX EXPERIAN COMPLIANCE DEPT RE : NOTICE XXXX Gramm Leach Bliley Act NON-COMPLIANCE REPORTING THIS IS NOT a request for verification or validation of debt. This is a NOTICE & DEMAND to EXPERIAN that the listed institutions ATTACHED have not conformed and are currently reporting in non-compliance with the following Gramm Leach Bliley Act statutes Reference number XXXX Record type XXXX XXXX XXXXXXXX filed XXXX XXXX XXXX XXXX XXXX XXXX A Reference number XXXX Record type XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Sec. 6802 - Obligations with respect to disclosures of personal information ( a ) ( b ) ( c ) ( d ) Sec. 6803 - Disclosure of institution privacy policy ( a ) ( b ) For the record, I, XXXX XXXX HAVE NEVER received an INITIAL OR ANNUAL PRIVACY POLICY NOTICE from any of the ATTACHED reporting institutions as required by the GLBA statute ( s ) above, nor have I been given a chance to opt-out from my personal information from being shared w/ 3rd parties. Why does EXPERIAN allow these non-compliant institutions to report on my credit profile and put my privacy at risk? 

Until compliance with Sec. 6802-6803 of the GLBA can be substantiated, I DEMAND that EXPERIAN PERMANENTLY DELETE the following non-compliant ATTACHED account ( s ) within 3 days and forward to me a FULL updated credit report with these deletions to the address above By publishing these non-compliant account ( s ) on my credit profile and distributing them to 3rd parties you are INTENTIONALLY DAMAGING my reputation and credit worthiness. For the record, I will also file this complaint with my state Attorney Generals office and the Consumer Financial Protection Bureau ( CFPB ). 

Experian is in violation of the GLBA GLBA non-compliance penalties can be quite serious for financial institutions. They include both monetary fines as well as imprisonment. The GLBA non-compliance penalties include : A fine of up to {$100000.00} for each violation A fine of up to {$10000.00} for officers and directors of the financial institution In case of a serious violation, individuals may be imprisoned for up to 5 years Revocation of licenses
Consumer complaint received 2024-05-07
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. (FL)

XXXX XXXX in XXXX ran to many hard inquiries on a used vehicle shopping. I'm requesting the removal of the hard to many inquiries on one vehicle. XXXX XXXX XXXX.
Consumer complaint received 2024-08-05
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. (NY)

After reviewing my Consumer Reports, I noticed some reported late payments on an account where I have always made timely payments. Since Consumer Reporting Agencies are crucial for maintaining accurate consumer information, it is essential that all data is reported correctly. I have consistently met my payment obligations for the following account : XXXX XXXX XXXX XXXX I request a detailed investigation into these discrepancies. Please provide documentation, such as statements, that evidence the reported late payments. If such proof can not be provided, I expect the records to be updated promptly to reflect my true payment history, which has always been punctual.
Consumer complaint received 2023-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: REGIONS FINANCIAL CORPORATION (FL)

XXXX XXXX XXXX XXXX XXXX XXXX and CEO Regions Financial XXXX XXXX XXXX XXXX, XXXX XXXX Alabama XXXX XXXX Re : Policy, Flexibility, and Governance Opportunity XXXX XXXX XXXX Following my wifes passing in XXXX, I chose to do the right thing and remove her as an authorized person from our safe deposit box at the XXXX XXXX XXXX XXXX. At the same time, I added my son and stepson as authorized to access the safe deposit box. I was told at that time ; we would have to create a whole new physical box versus just some paperwork. No problem, I chose the same size box, at the same branch location, in the same vault. 

I was told at the time that there would be a charge, however dismissed the statement believing Regions certainly wouldnt charge me twice in two months for the annual fee for the same size box. Well, they did. Please see attached ledger from my XXXX file and please, verify it against your own records. 

As you review not only will you see I have been charged twice in the span of two months for the same product/service but to add insult to injury, the amounts are differentfor the same size box since XXXX 

I am fine with either {$38.00} or {$57.00} but not both and from XXXX the three annual fees should be the same. I did speak with XXXX at the branch and said I did not understand the policy explanation which did not make any common sense to me. I further asked who I could appeal this to, and the answer was no one. I dont blame XXXX XXXX She doesnt seem to have the span of control or latitude to independently create a recovery opportunity from a bad customer service experience. This is small potatoes, XXXX XXXX, but highlights the need for expanded flexibility and authority while at the same time respecting policy and governance. 

Please dont delegate this to someone that is going to call me with another mumbo jumbo policy explanation. I dont have the time or patience for that and will just find another bank to do business with going forward.
Consumer complaint received 2023-10-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (PA)

On XX/XX/23, I submitted a {$500.00} payment from my bank account to repay my federal loans and fulfill a {$340.00} payment that was due. I received a payment confirmation email with a payment confirmation # of XXXX. On XX/XX/23, I received an email from Aidvantage stating that my account is overdue. When I logged in today immediately after receiving that email ( XX/XX/23 ), I see that there have been no payments applied my to account. I have just submitted another {$500.00} payment on my account, which is now showing as past due. I've received another confirmation email, this time with payment confirmation # XXXX, but I have no idea if this payment will actually go through or not.
Consumer complaint received 2024-05-07
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I respectfully seek your comprehension regarding the late remarks on my report, and I am fully dedicated to resolving them as per our agreement. My goal is to eliminate all the late remarks from my report, and I am enthusiastic about upholding a favorable record with your organization.
Consumer complaint received 2023-12-06
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc. (TN)

After reasoning, reviewing my credit report, I noticed an open account that I did not authorize. I did not open an account with Zales Comenity Capital Bank on XX/XX/XXXX. The only account I have with Comenity Capital Bank that I am aware of is the account that I authorized on XX/XX/XXXX. Some how my account got mixed up with some elses account. The unauthorized account that was open on XX/XX/XXXX has a credit limit of {$2800.00}, but my account only has a {$1300.00} limit, so therefore thats fraudulent information reporting on my credit report. I called the bank several times and they told me that they would send me an email showing me that the account was deleted but I have not received any email, but it is still showing up on my credit report.
Consumer complaint received 2023-12-27
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Navient Solutions, LLC. (VA)

I had called to discuss why my income based repayment plan payments had jumped from {$270.00} in XXXX to begin in XX/XX/XXXX in the amount of {$560.00}. When I asked the customer service representative, why the payments had doubled I was given the run around. I asked how they came to the payment they did based on my most recent tax return. I was given they had my tax return of XXXX. That was incorrect, since I had submitted my XXXX tax return documentation for my annual income based renewal certification which was approved on XX/XX/XXXX. They could not verify that they had my XXXX tax return. I was told they based my income payment on the 15 % of yearly income divided by 12 months on the poverty line. It doesnt make sense on how the income reflects the payment per month and the calculations they gave me. I inquired further as to be given an XXXX number so I can call to get information on how they go about figuring out the repayment amount. I was told it was by a processing team and they didnt have a phone number. I also inquired if there is no number, to get information in writing because there is nothing documented on the Navient app in full detail as shown on their document approving my income based repayment request renewal. I wasnt given any information or told the information that would be mailed to me. I notified them that I had a drop in my income due to a new job and my husband had a drop in income as well. I was told I could send them copies of our paystubs no more than 90 days old and they can re-certify based on my new income documentation.
Consumer complaint received 2024-08-05
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. (MA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-06-28
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. (TX)

****************************NOT A DUPLICATE************************* Experian is reporting the following items incorrectly. I filed a police report for identity theft and have also requested these companies to seize all communications but are still communicating via credit reporting company Experian. Under the FDCPA regulation 15 US Code 1692 -C ( Ceasing communications ) Experian is violating my rights by illegally reporting the following items. XXXX. XXXX XXXX XXXX Account # XXXX Please have Experian remove these immediately as it is a violation of my FDCPA federal rights section US CODE 1692-C.