davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

Mohela is my loan servicer, and I applied to switch from the PAYE plan to the SAVE plan using the federal student aid website. I was notified that application was approved and that my plan would be switched over starting XX/XX/XXXX  but it never was. According to the website the request was cancelled. I called MOHELA and they put in another request for a change and stated it was approved, and said it would be switched by early XX/XX/, but it never was switched over. I then called MOHELA again probably for the 4th time and they stated I would be switched to the SAVE plan by late XX/XX/. Again, I never was switched over. I now have submitted my 4th application to switch from the PAYE to the SAVE plan, and am frustrated at how this situation is being handled. While this has all been delayed, I have racked up thousands of dollars of interest on my student loan.
Consumer complaint received 2024-05-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NV)

The debt that was originally obtained via XXXX XXXX XXXX was purchased by a credit collector ( LVNV FUNDING. ) This debt has not been verified and was removed from my XXXX report. Im asking that you please remove this debt for all 3 bureaus. XXXX and XXXX have failed in updating/ removing this debt from my credit profile. Thank you.
Consumer complaint received 2024-07-26
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Self Financial Inc. (TN)

In accordance with the Fair Credit Reporting act. The accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. And I want this account removed! 

Date opened - XX/XX/year> Original balance - {$520.00} Account info Account name - XXXX XXXX Account number - XXXX In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX has violated my rights. Section 602 A, states I have the right to privacy! 

If not removed this time from my credit I will Be Taking Legal Actions...
Consumer complaint received 2023-04-28
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. (AR)

I am submitting this CFPB Complaint once again to express my extreme dissatisfaction and outrage regarding the fraudulent items listed on my credit report. It is unacceptable that there are several items that I did not open or have any knowledge of, and it is clear that my identity has been stolen. The items in question, which include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, AR XXXX XXXX Balance : {$8800.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  Balance : {$2500.00} XXXX XXXX  Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance : {$4000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$570.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, are a blatant violation of my rights and have severely impacted my financial standing. I demand that you take immediate action to investigate and remove these fraudulent items from my credit report without delay. As a consumer, I have the right to dispute any inaccurate information on my credit report, and it is your legal obligation under the Fair Credit Reporting Act to conduct a thorough and prompt investigation into this matter. I expect to receive a written response from you detailing the results of your investigation and the actions you have taken to rectify this situation.
Consumer complaint received 2024-01-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Interest rate
Company: PENNYMAC LOAN SERVICES, LLC. (UT)

When my mortgage was first transferred to Pennymac the first call I made to the company was to inquire about an interest rate reduction. I was advised by the agent, that if I singe up for Auto pay and Paperless statements I would receive a 0.25 % rate reduction. 

Not until the end of 2023 when I was reviewing my closing documents for what was needed to remove the escrow did I relies that my rate was never reduced and matched my closing documents. 

I called the company and they acknowledged that I was given miss information but they do not offer that program. I asked to talk to XXXX who has helped with prior claims but was never contacted. 

As a result of this miss information my {$360000.00} mortgage has been accruing at a 0.25 % higher rate for 3 years. 

Additionally, during the end of 2023 a payment was rejected by my personal bank as a result of Pennymac pulling the payment on XX/XX/2023. the terms and conditions of there Autopayment advises that payments will be withdrawn on the XXXX of each month. after reviewing my Bank this is a constant trend of Penny mac not abiding by the terms and conditions of there autopay agreement and withdrawing payments days latter then agreed. 

At best this can result in missed payments due to funds being moved out after the first ( such as in my situation ) at worst this would result in additional interest and late fees being applied to loans if the payment is not posted on the correct date.
Consumer complaint received 2023-01-03
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (OH)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2023-09-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BC SERVICES, INC. (CO)

Certified letter sent on XX/XX/2023 requesting the info below : Name and address of the alleged creditor 2. Name and address of the alleged debtor 3. Alleged account number 4. Amount of alleged debt 5. Date ( this alleged debt became payable ) 6. Date of original charge or delinquency 7. Copy of original contract or agreement with original signatures 8. Provide copy of my signature with the provider of services to release my medical information to you 9. Was this assigned to a debt collector or purchased?

10. Amount paid if debt was purchased 11. Commission for debt if collection efforts are successful The collection company did not respond and did not provide any of the information requested.
Consumer complaint received 2024-05-22
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (CA)

I am writing to file a formal complaint against LVNV FUNDING LLC regarding their blatant refusal to provide proof and validation information regarding a debt they claim I owe. Despite multiple requests made in accordance with the Fair Debt Collection Practices Act ( FDCPA ), LVNV FUNDING LLC has continuously failed to furnish the necessary documentation to validate the legitimacy of the debt. This refusal to comply with federal regulations has caused me undue stress and uncertainty regarding my financial obligations. Without proper validation, I am unable to verify the accuracy of the debt or assess my options for resolution. Furthermore, LVNV FUNDING LLC 's non-compliance with the FDCPA reflects a pattern of unethical behavior that undermines consumer rights and protections. I urge the CFPB to investigate this matter thoroughly and take appropriate action against LVNV FUNDING LLC for their failure to adhere to federal debt collection laws. I also request assistance in obtaining the necessary validation information to resolve this issue expediently and fairly.
Consumer complaint received 2023-05-16
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. (CA)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (VA)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-05-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Capital one denied my dispute the claim id is XXXX they said it was denied due too Due to authorization and/or participation in the transaction activity. even tho I dont have my card and it was fraud and when I called in to ask why it was dispute 2 XXXX people was extremely rude and when I ask to speak to a XXXX they hung up on me! I would like them to review it again and give me my money back this is a large amount!
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (GA)

This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating some accounts. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute.
Consumer complaint received 2024-01-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo is demanding the full balance on my account, They paid my property taxes which was not due in full and will not accept and payments, in order to commence with foreclosure proceedings. I have requested the gap account in a XXXX  which they have yet to answer. I sent a notice of default because it's been over 60 days since I sent the XXXX  .They have refused to render an assistant such as a loan modification
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

My name is XXXX XXXX, and this statement is being composed by me. In accordance with the Fair Credit Reporting Act ( FCRA ), the accounts listed on this report should not be furnished on my reports. FCRA Section 604F prohibits a person/company from using or obtaining a consumer report unless the consumer uses the report and is obtained for a purpose for which the consumer report is authorized to be furnished under FCRA. FCRA Section 1681S-2 also states, that a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or is consciously avoids knowing the information is accurate. Lastly, 15 USC 1681-4 consumer reporting agencies have assumed a vital role in assembling a reevaluating consumer credit. There is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumer 's right to privacy along with accuracy. The following are unauthorized inquiries ; XXXX XXXX XXXX
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (GA)

On XX/XX/XXXX I left my phone at a restaurant and did not return to pick it up until around an hour later. When I retrieved my phone I immediately noticed that there were 3 unauthorized XXXX payments for {$250.00}, {$1000.00}, {$260.00} back to back in quick succession to an unknown LLC. I immediately called Chase Bank to contest the unauthorized access to my account which was done through my phone. I spoke with a representative and explained my issue and was told that within 10 days I would receive an update on my claim. Over 10 days pass and I called back Chase Bank for an update. When I called this second time I learned that a claim had never been created and I was forced to repeat the initial process and give the details of my situation. I was then told to wait 10 more days for an update. After these 10 days, I called Chase Bank for a third time and was notified that my claim had been declined and that I would need to provide additional documents to support my claim. An example given was documents from the restaurant proving that I had lost my phone. Obviously, at this point nearly a month has passed and it is impossible for me to obtain these documents. Had my initial claim been filed when I immediately called I would have been in a position to obtain corroborating evidence from the restaurant. I was then told that my claim would be looked at again and to wait 10 more days. I wait 10 more days and call back in and it has been closed and can not be reopened without any additional documents supporting the claim.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

XXXX  Account # XXXX, XXXX, Date Opened XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Balance Owed- {$180.00}, {$180.00}, {$180.00} ( XXXX, Equifax, XXXXXXXX XXXX XXXX- Account # XXXX, XXXX, XXXX, Date Opened XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Balance Owed- {$2800.00}, {$2800.00}, {$2800.00} ( XXXX, Equifax, XXXXXXXX XXXX XXXX XXXX XXXX  Account # XXXX, XXXX, XXXX, Date Opened XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Balance Owed- {$560.00}, {$560.00}, {$560.00} ( XXXX, Equifax, XXXX ) XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Balance Owed {$4200.00}, ( XXXXXXXX XXXX XXXX XXXX- Account # XXXX, Date Opened XX/XX/XXXX, Balance Owed {$220.00}, XXXX EQUIFAX ONLY XXXX XXXX Account # XXXX, XXXX, XXXX, Date Opened XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX Balance Owed {$130.00}, {$130.00}, {$130.00}, ( XXXX, Equifax, XXXX ) XXXX XXXX XXXX- Account # XXXX XXXX, Date Opened XX/XX/XXXX, XX/XX/XXXX Balance Owed {$0.00}, {$0.00}, ( XXXX and Equifax ) XXXX- Account # XXXX, XXXX, XXXX, Date Opened XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Balance Owed {$410.00}, {$410.00} XXXX {$410.00}, ( XXXX, Equifax, XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX, XXXX, Date Opened XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Balance Owed {$0.00}, {$0.00}, {$0.00}, ( XXXX, Equifax, XXXX ) I have sent in FTC report, police report and have sent in proof of my information confirming that the alleged debt isn't mine nor did I give anyone authorization to use my personal info.
Consumer complaint received 2024-05-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: STATE EMPLOYEES CREDIT UNION (NC)

I am writing this letter in order to request your help and understanding. Back in XXXX, XXXX [ when the negative items was listed on my auto loan ], I lost my job and made a couple of late payments, even though I hated paying late. I do feel bad about it even now. However, I did get current on the account ( listed above ) as soon as my financial standing improved. I have in fact made timely payments since then. I've been working hard to make financially responsible decisions and get better control of my money. 

I am now buying a home but having difficulty in receiving an affordable mortgage rate due to the negative listing on my credit report. Thereby, I would request you to kindly remove this negative item as a gesture of goodwill. Your kind gesture would be sincerely appreciated.
Consumer complaint received 2024-05-22
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (MI)

ED/Nelnet the U.S Department of Education Resolution Group wrote they did not give me IDR Loan Forgiveness because they do not own the 2 consolidation loans and they sent the 2 consolidations back to the previous holders. ED/Nelnet are you the current holder of the 2 consolidation ID XXXX and XXXX as written. letter enclosed.
Consumer complaint received 2024-05-22
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (NC)

I am unaware of those debt I didnt have the opportunity to take care of this before they put it on my report if in fact you believe gave me proper notification then please send me the certified receipt with my signature on it and send me the method of validation and I am requesting the Foward Flow Agreement According to 12CFR 1006.34 ( b ) ( 5 ) I did not give them permission to place anything on my credit report 12CFR1006.34 ( c ) ( 4 ) ( i ) ,12CFR1006.34 ( d ) and 15usc 1681s-2 ( 7 ) A my civil liability are being violated, my privacy Defamation of character mental Anguish.Also I am requesting proof that they are licensed and bonded.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Kikoff Inc. (FL)

XX/XX/2023 I finally got my account closed. I tried to close my account with kick off before maybe for 2 months already. I couldn't get them to respond. Finally got them to respond. And I use their automated system to try to close the account. I couldn't find my account. I try to reopen an account. And it said I had an existing account. So I couldn't do anything to make payments or change anything. So I tried to close it. And I ended up with 2 late payments due to their system.
Consumer complaint received 2024-01-11
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I have auto pay setup on all XXXX of my capital one accounts. I logged in an noticed a late fee on XXXX of the accounts so I called to see why the payment dis not process. The representative notified me that my account was in collections and that I would no longer have access and they couldn't even access it to see what was going on. 

I have been with Capital One for close to XXXX years now. My account has always been in good standing, and continues to be in good standings to this day. I am not sure why they would do this to my accounts without my knowledge or permission. 

This will have a financial impact on me if it is true.