davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (TX)

Consumer Financial Protection Bureau Subject : Dispute of Inaccurate Account Information Dear Consumer Financial Protection Bureau, I am writing to dispute an account that appears on my credit report, which I believe to be inaccurately associated with my name. The account in question is with I.Q DATA IN, and the account number is XXXX I have reviewed my credit report and have confirmed that I do not have any affiliation or association with the mentioned account. This account is not mine, and I am concerned about the potential impact it XXXX have on my credit history. 

I have dispute with the XXXX CREDIT BUREAUS, on XX/XX/XXXX, through XXXX XXXX have recently sent in where my credit file was stolen with police reports. I kindly request that Consumer Financial Protection Bureau investigate this matter and work to correct the inaccurate reporting promptly. 

I appreciate your prompt attention to this issue and your assistance in resolving this dispute and removing this matter off my credit report. Please feel free to contact me if additional information is required. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-11-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (DE)

I consolidated my loans with MOHELA, and received less favorable terms, solely for the purpose of eligibility for the Public Service Loan Forgiveness waiver ( PSLF ). All paperwork was submitted timely, and I have met there requirements for eligibility. 

MOHELA will not make itself available for inquiries. Their website is useless, and only directs you to forms and FAQ 's. Calling them is a waste of time because you will not get a live agent, no matter how hard you try or how often you call. Meanwhile, they are sending me bills for a loan that should be forgiven. This is egregious.
Consumer complaint received 2024-02-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Freedom Mortgage Company (OK)

Freedom Mortgage is currently my mortgage lender and I am writing to formally file a complaint against them, specifically regarding the handling of my Home Equity Line of Credit ( HELOC ) inquiry by Mortgage Loan Officer XXXX XXXX. I believe that I have been provided with misleading information, which has led to unnecessary financial expenses ( {$580.00} upfront fee ) and an unsatisfactory customer experience. 

On XX/XX/scrub>XXXX XXXX XXXX I initiated contact with Freedom Mortgage to inquire about a HELOC. XXXX XXXX promptly responded, expressing the need for a phone call to discuss the details. Due to a busy training schedule, I informed him that I would be available after XXXX XXXX  and inquired about the information needed to access the equity in my home. 

After a conversation with XXXX XXXX on XX/XX/year>, I proceeded with the application process, under the impression that I was applying for a HELOC. It was only on XX/XX/year>, that I discovered, through a conversation with a friend and a subsequent inquiry, that Freedom Mortgage does not offer HELOCs. This information was not communicated to me earlier in the process. 

I am deeply concerned about the lack of transparency in this matter. XXXX XXXX did not disclose the unavailability of HELOCs until almost two weeks after my initial request, despite repeated communication. This delay resulted in wasted time, money spent on an upfront fee for a service Freedom Mortgage does not provide, and an unnecessary inquiry on my credit report. 

Furthermore, I expressed my preference for a HELOC due to personal circumstances, and XXXX XXXX did not properly inform me about the available options. Instead, he continued to pressure me to proceed with a different product ( refinance ) without a thorough explanation of the terms and implications. A refinance does help me but puts me an a worse position ( unfavorable terms then what I currently have ). The HELOC made the most sense to just take a small amount at a higher rate instead of refinancing the entire amount at a higher rate. 

As a customer in the midst of a divorce, I trusted that the Mortgage Loan Officer would guide me through the process with my best interests in mind. Unfortunately, this has not been the case, and I feel misled and dissatisfied with the service received from Freedom Mortgage. 

I request a thorough investigation into this matter and appropriate action to rectify the financial and credit-related consequences I have faced due to the misinformation provided by XXXX XXXX. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2023-12-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CREDIT ACCEPTANCE CORPORATION (MS)

My loan is with Credit Acceptance for auto loan. My car is XXXX XXXX XXXX XXXX which I purchased in XX/XX/XXXX. My monthly payments is XXXX each month. The total cost is Initial Balance as of XX/XX/XXXX : {$31000.00} Remaining Balance as of XX/XX/XXXX : {$13000.00} Past Due Balance as of XX/XX/XXXX : {$370.00}. 
The finance charges are too steep. I have requested a payoff quote which is unbelievable. I'm constantly getting calls from automated service at least 10 to 15 calls each day.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Identifier : XXXX Account Number : XXXX Dear XXXX XXXX XXXX, This communication is in response to your recent inquiry regarding the XXXX XXXX account referenced above . 
Please be advised that we have requested the credit reporting agencies listed below to delete all information reported under the account identifier number referenced above.

It may take up to thirty days for the credit reporting agencies to comply with our request. Please use this communication as verification until the credit file is updated.

Please note : The above Acco

unt Identifier Number and the Account Number represent the same account. The Account Identifier Number must be
included in all correspondence regarding credit bureau reporting, as it is used for furnishing information to the credit reporting agencies.

If we can be of further assistance, please have the customer contact us at XXXX. Our hours of operation are Monday through Friday from XXXX XXXX to XXXX XXXX Eastern Time. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Consumer Relations Information XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  experian.comXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For OPEN XXXX XXXX XXXX accounts only XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Identifier : XXXX Account Number : XXXX Dear XXXX XXXX XXXX, This communication is in response to your recent inquiry regarding the XXXX XXXX account referenced above. 
Please be advised that we have requested the credit reporting agencies listed below to delete all information reported under the account identifier number referenced above. 
It may take up to thirty days for the credit reporting agencies to comply with our request. Please use this communication as verification until the credit file is updated.

Please note : The above Account Identifier Number and the Account Number represent the same account.

The Account Identifier Number must be included in all correspondence regarding credit bureau reporting, as it is used for furnishing information to the credit reporting agencies. 
If we can be of further assistance, please have the customer contact us at XXXX. Our hours of operation are Monday through Friday from XXXX XXXX to XXXX XXXX Eastern Time. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I was going over my credit report I noticed that there are addresses that are not mine showing. I would like the following addresses deleted.This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information is not accurate. The following addresses and the variation  on my name are not accurate .My name is XXXX XXXX XXXX , please delete all other variations. 
XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX I am no longer affiliated with these addresses. I would like to have my credit report to reflect true up to date that is accurate my current address XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX I AM XXXX XXXX AS XXXX XXXX XXXX XXXX. 
DBA XXXX XXXX XXXX.
Consumer complaint received 2018-09-02
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. (GA)

XXXX XXXX XXXX & XXXX {$1400.00} I challenge the accuracy, compliance and reportability of this listing.This is indeed against F.C.R.A. law.

There is no contract, no valid claim ... account was settled with creditor and bureaus decline to remove it, and I contacted creditor, and was informed that it was not verified.

Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation
Consumer complaint received 2024-01-25
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Moore Legal Group, LLC (NJ)

I enrolled in a debt consolidation program with Meadowbrook Legal Group in order to handle my debt situation. I have been enrolled since XX/XX/2023 with approximately {$26000.00} in credit card debt. They have been withdrawing {$490.00} a month for a total of {$2900.00}, but when I looked to see how much was in my holding account there is only {$920.00}. Every time a deposit is made they take {$50.00} for a retainer fee, {$34.00} for an Admin Fee and XXXX for a service fee, on my bi-monthly payment of {$240.00}, which leaves me with only {$50.00} per deposit. This is absurd. How will my debts ever be paid. This is a shady business practice and these fee 's were not disclosed. I have also come to find out that they are being sued by the CFPB and a number of states attorney generals. my credit has been destroyed and has caused a major setback in my financial situation.
Consumer complaint received 2023-11-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (LA)

My Federal Student Loans recently changed servicer from Great Lakes to Nelnet. I was approved for EDRP with my current employer but the forms submitted were for Great Lakes. I have tried multiple emails, filling out their contact form on their website, calling them ( only to be on hold for 1.5+ hours and counting ), with NO help. 

I received XXXX response email from them on XXXX XXXX stating that they received my email request for information, and that they would reply in 15 to 20 days. It is currently XXXX XXXX as I submit this complaint and I have YET to hear any feedback from Nelnet. 

This is a complete nightmare as I am about to lose my EDRP qualification as a federal employee with the XXXX XXXX XXXX XXXX  which is helping ease the burden of student loan repayments. I don't know what to do or who to contact as I am being met with only dead ends and no communication from Nelnet!
Consumer complaint received 2023-12-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NV)

Earlier this year my Paypal account was hacked. I resolved the dispute with my credit card company and removed that card and all my bank details from Paypal. I want to close my Paypal account ( XXXX XXXX ), but they refuse to do this unless I upload photo documentation to their system.
Consumer complaint received 2023-04-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Aspen Yo LLC (IL)

My mortgage account has been placed in foreclosure. I was not made aware nor did I sign any notice of foreclosure documents. I did however, become aware on XX/XX/XXXX after attempting to make a payment towards my account as well as a letter from an attorney dated on XXXX XXXX requesting for full payment of my mortgage account balance. My account is also suspended which is preventing me from making payments. My account was sold of to Gregory Funding. When I got notification and called to see where I should submit payments I was instructed to wait because they were still in process of receiving all of my account details. This occurred sometime in XXXX early part of XXXX. I spoke then at that time with a representative and explained my circumstances and I was left with the impression that my account would be noted what I share with the gentleman. I later ended up submitting a partial payment two over the course of them taking over my mortgage in XXXX and XXXX. Here it is XXXX and my account is suspended and in foreclosure. Beginning in XXXX of XXXX I was out of work for XXXX XXXX months, lost my mother unexpectedly that XXXX and XXXX months prior to that my grandmother passed away. Both of whom I lost due to XXXX. It was a difficult time and still is. Also my payments that I did submit have not been applied to the outstanding balance.
Consumer complaint received 2018-09-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX & XXXX {$1400.00} I challenge the accuracy, compliance and reportability of this listing.This is indeed against F.C.R.A. law.

There is no contract, no valid claim ... account was settled with creditor and bureaus decline to remove it, and I contacted creditor, and was informed that it was not verified.

Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation
Consumer complaint received 2023-12-11
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc (CA)

I made a purchase on XX/XX/2023 online at XXXX using the app Affirm. I purchased a total of four XXXX XXXX  that cost XXXX. I noticed on Affirm that there were two loans pending for the same exact amount and eventually they were both approved by XXXX. I am expected to pay both loans when I only received one order of the four XXXX, not two. I immediately contacted an Affirm representative and they explained to be that it is the merchants responsibility for this double charge. They also provided me with an order number for that second loan. I called XXXX and they said this issue is the responsibility of Affirm and they do not have any record of the order number provided by Affirm. They only have one order of the tires in their system. I opened a dispute with Affirm and they closed it without providing any information as to why they closed the dispute. I need to get some answers and they are not helping at all.
Consumer complaint received 2018-09-02
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Santander Consumer USA Holdings Inc. (VA)

Looks like on XX/XX/2015 a loan for a car was made. The person who has the car I have never laid eyes on and I keep getting the bills to pay for this car. My name is XXXX XXXX XXXX and the name on the loan is not how my name is spelled or pronounced. I never gave permission for my credit to be checked and the loan is showing up on my credit report. The person has now moved and I am having to pay for a vehicle that I do not own and that is not fair. It is showing according to the company that I am the buyer and the other individual is the co-buyer. Like I say I have never seen this car or the person who is showing as co-buyer. This needs to be fixed. I am very upset about this. Want this removed from my credit report since I have no idea of the person or the car. The finance company is XXXX XXXX.
Consumer complaint received 2023-12-11
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Affirm Holdings, Inc (SC)

I received a resolution from Affirm confirming that the loan that was opened under my name doesnt belong to me and that loan was closed. When I called about a month ago, I spoke to someone who explained they would update my new phone number and email address so that my information is correct. However, after attempting to login using the correct phone number, I was told I have another account. I called today just to be told that my name is still linked to this loan and that my account can not be closed and that again I would have to wait another request and wait 5 days for my profile to be updated. I am so sick of the run around I have been given everything I call. I dont understand what is the problem and why my personal information can not be deattached from this number that no longer belongs to me. I no longer wish to have an account with Affirm at all but before that takes place, I need them to remove all my information from their system and close any accounts related to my name. I need this loan information to be added to the correct profile and removed from any history within my information. The way this business has handled this situation is beyond traumatic and ridiculous. Please close any accounts linked to my name and remove any association to any loans that were not authorized by me. I have never requested a loan from you all and you know this since you sent me notification that this loan did not belong to me.
Consumer complaint received 2023-12-11
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: LEXISNEXIS (SC)

I am writing to dispute the accuracy of information contained in my XXXX XXXX consumer report. I recently obtained a copy of my report and discovered several items that I believe are inaccurate. I am requesting a thorough investigation into the following items : XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$5900.00} XXXX XXXX XXXX XXXX  XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$5900.00} XXXX XXXX XXXX OF XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX  XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX : {$8900.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-03-21
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. (CA)

I am writing to formally dispute the information associated with my accounts. Upon reviewing my credit report, I have identified discrepancies that require immediate attention. It appears that there are inaccuracies concerning the status of my accounts, particularly regarding file merging and the characterization of my payment history.

I would like to draw your attention to the following account details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I kindly request that you update my accounts information to accurately reflect that the accounts have never been delinquent and are closed with a positive payment history.

Recognizing the importance of maintaining accurate credit information, I trust that you will promptly take the necessary steps to address this matter. In accordance with the Fair Credit Reporting Act, I also request a copy of the corrected credit report once the necessary adjustments have been made.

Please confirm receipt of this letter and provide an estimated timeline for resolving this dispute. If further clarification or documentation is needed, I can be reached at the contact information provided above.