davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-31
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Paying off the loan
Company: CARRINGTON MORTGAGE SERVICES, LLC (NC)

I've been requesting payoffs from this horrible organization since my father passed away on XX/XX/year>. They delay so long in answering questions and give false responses so often that we can't figure out how to pay off this loan. When I finally get a pay off the payoff isn't good for long enough to get the closing done and the money wired. Their misinformation, bad phone numbers, and automated answering services seem to intentionally hold up the process. They are making so much money by taking advantage of people and making it hard to navigate their system. 

We've had a closing and the attorney has sent payment but they responded by fax requiring more money. The company is CARRINGTON Mortgage Services , LLC . 

Stay away- they aren't worth it.
Consumer complaint received 2023-11-07
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. (CA)

Just like the commercial said I should I got a copy of my credit report and there are things that just arent accurate on it. I am greatly concerned because I am a good paying person and dont want people to think otherwise because of these mistakes that are on your report about me. Please fix the following items so anyone who looks at my credit report will see what a good payer I am. I thank you so much for taking the time to help me fix this all up as the commercials said you would be helpful in fixin this kind of stuff. Remove the late dates and negative status of these accounts : XXXX XXXX XXXX XXXX XXXX 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 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XXXX/XXXX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of XXXX XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX
Consumer complaint received 2024-05-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

I always pay on time and I know this for sure. I don't understand why this company says I'm late some months. This shouldn't happen. According to USC 1666b, any billing mistakes should be fixed and marked as paid on time.
Consumer complaint received 2023-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IN)

just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile and in accordance with the FCRA, XXXX account # XXXX and XXXX has violated my rights 15 USC 1681 602 A states that I have the right to privacy. 

15 USC 1681 604 A section 2 states a consumer reporting agency can not furnish an account without my consent. 

If you have any questions I can be reached at XXXX XXXX XXXX
Consumer complaint received 2024-05-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (TX)

I am sick and tired of dealing with this servicer MOHELA. I can never get through via phone after waiting hours and hours. I have sent a message to MOHELA through my account portal and hadn't received a response requesting a supervisor call me. I have been misinformed regarding my student loans and my PSLF has been miscalculated and done completely wrong. I keep getting emails stating they will be my servicer then I get one stating they will not be my servicer. I am tired of being cheated of what I have worked hard for. My balance is incorrect as well. I am needing a supervisor from MOHELA to call me regarding my account.
Consumer complaint received 2020-03-05
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC (LA)

This company ( National Credit Adjusters ) put a collection on my credit reports, stating that I had a loaned opened with XXXX XXXX on XX/XX/19 which in not at all true. I haven't talked too or received anything in the mail from either National Credit Adjusters or XXXX XXXX. I just mailed National Credit Adjusters a request for validation in accordance of the Fair Debt Practices, I mailed this to both of the listed addresses I could find. I would like this removed from my credit report immediately.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bridgecrest Acceptance Corporation (WI)

On XX/XX/2023 I reached out to bridgecrest for a certified bill in the amount of {$5700.00} but they provided no bill. I asked him to send me a certified copy of a legal binding contract that we both signed they did not provided it. This is my third attempt to get a bill from them.
Consumer complaint received 2024-05-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MO)

My request for the recertification of my repayment plan was denied based on wrong information - MOHELA send a denial letter claiming that I had a parent plus loan and was not eligible for an income-based repayment plan. 

However, I do not have a parent plus loan and have been on the PAYE plan XXXX XXXX. The one student/graduate plus loan that I do have, I confirmed remains eligible for an income-based repayment plan. The letter and the MOHELA website contained no dispute information or how to challenge them on this specific type of error. 

I had to call in and wait for over an hour to speak to a representative, who was very kind but could not provide me any resources on how to dispute this other than her working for a half hour to manually withdraw the decision and send it back through the system, since she also confirmed that the decision made no sense and was a mistake. 

If left alone, this would have meant that I was kicked off my repayment plan, and would also no longer be eligible for PSLF, as I have XXXX years left of repayment. Compared to my experiences in the past where the Department of EducationXXXX XXXX XXXX XXXX and approved the recertification of repayment plans which went very smoothly, MOHELA having control over this process is a disaster much like the rest of their take over has been.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

My account with XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in on my accounts to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-05-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (TX)

XXXX Mohela increased my monthly payment from {$270.00} to {$2100.00} without any warning. The online account shows my recertification deadline had been extended until XX/XX/XXXX for {$270.00}, however, I received a letter stating my payment had been increased to {$2100.00}. When I called Mohela to discuss this, the agent confirmed the new payment amount, but said she could see where I was previously paying the {$270.00}. At first, she said the repayment plan had been applied prior to my loans transferring to them and the repayment plan had not been transferred with and no new applications were received. This was old news and had been resolved in XX/XX/XXXX through a CFPB complaint. When the agent was directed to the communication from Mohela with the new approved amount because of the CFPB last year, the agent stated they could not find that letter in their system. Requests to speak to a supervisor were not honored at first. The agent placed us on hold and then said that Mohela is in the process of updating borrower accounts due to the Department of Education pushing back the IDR recertification deadline again. She said Mohela will apply for a forbearance, no payment is required, and guaranteed the forbearance will count for PSLF. None of this information could be validated on the Department of Education 's website and the agent stated she could not provide anything in writing. The agent also gave conflicting information as she stated that the forbearance will not be automatically applied, and I would need to request it ( even though she said it would be applied in the beginning ). I had also just received several notices showing a 1-day forbearance being applied each month from XX/XX/XXXX- XX/XX/XXXX.
Consumer complaint received 2024-08-22
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: Experian Information Solutions Inc. (IL)

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX
Consumer complaint received 2023-03-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Self Financial Inc. (IL)

I have reached out to the creditors on many occasions letting them know they are violating my federal rights, pursuant to the fair debt collection practices act and fair credit reporting act along with local state laws please note that I am requesting these items be removed from my credit file from all the major credit bureaus please also be aware that any negative marks found on my credit reports including XXXX, XXXX, XXXXXXXX XXXX XXXX or from your company or any company that you represent, for a debt that I don't owe is a violation of the FCRA/ and FDCPA under USC : 1681 You must request all credit reporting agencies to delete the entry.Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Nelligent, Ehablement of Identity fraud.and violations of the fair debt collection practices, Act including but not limited to Section 807-80 ) Violation of the fair credit Reporting Act I have no Acknowledgment of any items being reported. Thanks In Advance ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Self Lead Bank XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

This account was charged off on the following date XX/XX/year> since then the account has repeatedly been updated as charged off every month. This is an update in payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You have failed to properly and accurately report this account and your neglect has violated my rights. I am demanding a deletion of the following account. 

XXXX XXXX SERVICES XXXX
Consumer complaint received 2016-05-03
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

We had a loan with Nationstar Mortgage LLC and always made our payment in advance of the actual due date. We refinanced our loan recently and when they sent the demand to the title/escrow company it appeared to be off by one months payment. In order to not lose our lock we went forward with the refinance and decided to dispute this after the fact. We have made numerous calls to Nationstar and each time we are forced to talk to a new person and explain the situation all over again. What we have asked for repeatedly, and Nationstar said they would send, is a complete accounting of all the payments we made over the course of the loan. We believe that they did not give us credit for the XXXX/XXXX/15 payment and therefore owe us a refund. To date we have not received any kind of an accounting from them and are frustrated as we 've called at XXXX XXXX times regarding this. We want a complete accounting of all our payments made to them on our loan. The loan number with Nationstar is XXXX. If you could please help us with this it would be greatly appreciated.
Consumer complaint received 2019-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX XXXX XXXX My name is XXXX XXXX XXXX I need my security freeze/Block removed from my credit report ASAP!
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2022-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX  : # XXXX, XXXXXXXX XXXX  XXXX XXXX : # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States l have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-04-10
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

Hello, I am writing to dispute the inaccurate information on my credit report that has negatively impacted my life. Specifically, I am disputing the information reported by XXXX XXXX XXXX ( account number XXXX ) that states I was 60 days late on XX/XX/XXXX when I did not miss any payments on the account. 

These inaccurate reports have caused me significant emotional distress and have made it difficult for me to obtain credit and loans at reasonable rates. Despite disputing the inaccurate information with the credit reporting agencies ( CRAs ), no action has been taken to correct the errors. 

I believe that these actions by XXXX XXXX XXXX  and the CRAs violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). Specifically, I believe that the following sections have been violated : Section 607 ( a ) of the FCRA, which requires that CRAs maintain reasonable procedures to ensure the accuracy of the information in consumer reports. The inaccurate reporting by XXXX XXXX XXXX could be seen as a violation of this section. 

Section 623 ( a ) ( 2 ) of the FCRA, which requires that CRAs promptly investigate disputes filed by consumers about the accuracy of their credit reports. Despite disputing the inaccurate information, no action has been taken to investigate and correct the errors, which could be seen as a violation of this section.

Section 623 ( b ) of the FCRA, which requires that CRAs provide consumers with a free copy of their credit report once every 12 months upon request. Despite requesting a free copy of my credit report, the CRAs failed to provide me with one, which could be seen as a violation of this section.

Section 312 of FACTA, which requires that creditors and financial institutions implement procedures to detect and prevent identity theft. If the creditor failed to implement adequate procedures to prevent the inaccurate reporting of your credit information or to prevent identity theft, this could be seen as a violation of this section. 

In addition to these violations, I would like to share how these inaccuracies have affected my life. I have been denied loans and credit cards due to the inaccurate information, and have been forced to pay higher interest rates and fees. This has caused significant financial strain and stress, and has made it difficult for me to achieve my financial goals. 

Therefore, I am requesting that XXXX XXXX XXXX XXXXemove the unverified account from my credit report, and that the CRAs promptly investigate and correct the inaccurate information. I believe that enforcement of the legal requirements is necessary to ensure that creditors and CRAs accurately report credit information and protect the rights of consumers. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX