davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-20
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. 

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Consumer complaint received 2023-04-20
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. (NY)

in XX/XX/XXXX I submitted a Consumer Complaint asking for a Complete investigation on 4 Accounts on my Credit profile from Experian, I sent in the introduction letter along with my identification copies explaining in details how these accounts are not legally supose to be on my Consumer Credit Profile due to inaccuracies and possible fraud and explaining the Laws they have concerning posting wronngful information, Not having Consent, inaccurate information and other reasons. 

I haven't heard anything back from them since XX/XX/XXXX of last year so I sent out another set of complete information asking for a investigation on the same four accounts This year XX/XX/XXXX since I sent the Certified Letter that I have proof of with this letter.
Consumer complaint received 2024-08-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NY)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

i am submitting a complaint because i have inquiries on my credit report that i did not authorize or consent for the companies to run my credit.i do not have a line of credit nor have i attended to have any lines of credit with the companies identified, i am disputing these resulting as per my rights under the fcra. this negative information is impacting my credit i would like it removed immediately i am requesting a block of my information and this resolved within 4 days as the fcra states
Consumer complaint received 2023-12-15
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. (MO)

Experian notified me that thy are working on XXXX more issues that are exactly like the 7 they closed yesterday and the 8 they are still working on which means ABSOLUTELY NOTHING because they are doing nothing about the problem which is Experian has stolen 18 now almost 19 months of on time never late payments to XXXX and refuse to give them back but still close complaints without doing anything
Consumer complaint received 2023-12-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (AK)

Nelnet originally claimed I was taken out of IDR proc admin forbearance on XX/XX/2023. See attachment. This was not true, so I made a complaint, and now they're claiming I was taken out of IDR proc admin forbearance on XX/XX/2023. This is not true, as seen in my attachment. I was out of IDR proc admin forbearance and in repayment status for what appears to be a single day - XX/XX/2023. See the attachment dated XX/XX/2023. Today, XX/XX/2023, Nelnet placed me back in IDR proc admin forbearance without consent and despite repeated earlier requests to be taken out. See attachment. Nelnet 's fraudulent behavior has cost me over {$1000.00} in interest.
Consumer complaint received 2018-08-06
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I have requested that you intervene on my behalf in dispute of several loan modification denials from Wells Fargo since XX/XX/2013. Related case numbers are XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX. I have attempted on at least XXXX different occasions to have my Pick-A-Payment loan modified. Now with the XXXX XXXX  article, " Wells Fargo says hundreds of customers lost homes after computer glitch '', by XXXX XXXX, I would like for my previous request ( s ) for a loan modification to be reviewed. Another article, " Wells Fargo faces tax credit probes, new problems with mortgage borrowers '' by XXXX, stated, 'an error in Wells Fargos underwriting tool  improperly excluded 625 borrowers, 400 of whom eventually had their homes foreclosed upon '. I feel confident that I was one of the 626 borrowers, since Wells Fargo could never give a logical explanation as to why my modification was denied.
Consumer complaint received 2023-09-22
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: EQUIFAX, INC. (TX)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
Consumer complaint received 2023-04-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (IN)

I received a letter today from my mortgage company stating that I was not eligible for any of their modification programs due to what I owe from default. These people were also constantly saying that I was missing paperwork for my modification application. I would like some help in finding out why I was not eligible out of all of the programs available and why they want my property so badly. I can pay some money to reduce the cost of what I owe and maybe get into a modification program.
Consumer complaint received 2023-04-20
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. (TX)

See Attached : XXXX Submitted Identity theft Packet, with Request for info to be blocked with the mandatory 4-Day period. Adding the Identity identification attached as well with specific details listed accordingly. Each Company declined my request to delete and or block, update and or correct the information accordingly. Denied Ball all 3 agencies for Insufficient Identity information, unable to identify my account, unable to locate my account with information on notice, invalid identity theft report, asked for copies of my social security card etc. All though request was infact denied by all 3, All three have managed to locate my account/report and make small changes which were requested on my notice initially, just not the blocking of invalid accounts information I requested. I Authenticated enough to change my address, phone number, email, place fraus identity theft alert on my report info but not to complete the information requested to be blocked. I sent enough information to verify who I am and stating the information should be corrected accordingly. Has the information they allow to remain seen & costing me the ability to gain credit I may need or job etc. That's incorrect on my field posted without even being whole and fully identified to have been actually my true information at all. How is this right or fair? Who's information are sharing. If you're publishing lies and false information because you fail to verify authentic proof of information submitted and shared by each agency is neglectful and abusive.
Consumer complaint received 2023-04-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXXXXXX have violated my rights. 

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 an account without my written instructions.
Consumer complaint received 2024-01-25
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Carter-Young, Inc. (TX)

I lived in a student apartment from XXXX XXXX XXXX I lived in the unit with my sister and XXXX other girls that I didnt previously know. My sister and moved out on XXXX XXXX because our lease ended on the XXXX. The XXXX other girls left a lot of their personal belongings behind, including a vacuum, blankets, and all of their food in the fridge and the cabinets, and did NOT clean the common space we all shared, which was the kitchen and living room. My sister and I cleaned the kitchen floors and wiped the counters and cleaned out the section of the fridge we used. They hadnt been in the unit all summer, so we didnt know if they had officially moved out or not, but we also did not feel like it was our responsibility to clean up after them and discard of their items. We got move out statements in XXXX, and saw that we were being charged for cleaning and painting. The cleaning was due to our roommates items being left behind. The complex also said there was chipped paint, which is normal wear and tear. I sent a text message to the girls trying to figure out what was going on, but no one responded. Under Texas Law, landlords can not charge tenants for normal wear and tear, and chipped paint falls under that category. The pictures they sent do not show any severe damage, nor do they justify the charges. We didnt no anything to cause the paint to chip, thats what normally happens after time. They refuse to justify why theyre charging absurd amounts for painting and cleaning. They wrote that the unit needed heavy cleaning but nothing in the pictures shows that the unit was THAT dirty. My sister and I spent XXXX hours mopping and wiping everything down before we left.
Consumer complaint received 2017-03-23
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (HI)

I need some help please, we settled out an account with an attorney XXXX XXXX collecting on a Capital One account, all payments cleared the last payment was returned with a notice mail last payment directly to Capital One which was done so. Now Capital One has sent it to another law office XXXX XXXX to collect the difference which was NOT what was agreed upon. We have been fighting this for several months now. Please help
Consumer complaint received 2017-03-14
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NC)

An offer was submitted to Bayview Loan serving, for the full amount that Bayview stated as the value needed, $ XXXX. Bayview then stalled, first needing an updated document, then another, then " losing '' some documents, from XXXX/XXXX/17, when they were submitted, until XXXX/XXXX/17, when they were " found ''. 
At this time ( XXXX/XXXX/17 ) XXXX spoke to XXXX, in regards to our complaint ( made on XXXX/XXXX/17 ) that Bayview was intentionally holding back review of offer, in order for the previous BPO/Appraisal of $ XXXX to expire. XXXX stated to submit offer, and HUD, with current value, the full price offer that Bayview requested, and it would be escalated, due to the reason that conditions are there for a review. " Escalation '' took 14 days, on XXXX/XXXX/17, the decision was made to reject offer, and NOW countered to NEW XXXX of {$430000.00}. 
The offer was at full value at the time of viewing, and was at full value at the time offer to purchase was presented by Buyer. we have also submitted this offer to XXXX. We are filing this complaint today, we feel that the delay in approving the full price offer, and the refusal to allow this sale to go through, has harmed the Borrower. 
Today XXXX/XXXX/17, we submitted the documents to both XXXX and Bayview. XXXX XXXX, the Portfolio Manager called, after receiving my email sent to the rep assigned. He stated that he resubmitted the file again to XXXX for review, and it is escalated, and that we would have an answer in another 5-7 business days. ( previous escalation, with same exact language used, took 14 days ). I asked for a written explanation, stating the reason for offer 's rejection, and also a written explanation for Fannie Mae 's rejection of the allowable fees on the HUD.
Consumer complaint received 2017-03-08
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (NC)

Company caused my credit score to be much lower by not removing items over seven { 7 } to ten { 10 } years. Looks bad and overwhelming to would-be creditors. 
Reduces my credit score down to low approval. XXXX finds it to be XXXX while EXPERIAN calls it XXXX! I do NOT owe any debts. No bankruptcies, judgments nor the like, nor am I a co-signor for anyone. 
I want to be treated for the RESPECT that I deserve for paying on time since I first began working and obtaining credit at XXXX when I was in college and to date.
Consumer complaint received 2023-12-15
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MOHELA (MD)

I am writing to officially lodge a complaint concerning a series of unsatisfactory interactions with MOHELA representatives, specifically regarding billing and income-driven repayment ( IDR ) issues. On XX/XX/XXXX, at approximately XXXX EST, I initiated a call to discuss an unexpected charge of {$690.00} to my bank account, a significant increase from my last payment in XX/XX/XXXX, which was {$470.00}. 

During this call, I interacted with XXXX representatives XXXX, XXXX, and XXXX each providing varying levels of information but ultimately failing to resolve my concerns. XXXX admitted on the call that MOHELA failed to notify about the IDR recertification acceptance. My primary issues are as follows : Lack of Proper Communication : Despite my repeated inquiries and a formal request for clear communication in XX/XX/XXXX, MOHELA has consistently failed to inform me of critical changes to my IDR plan. This lack of communication has led to unexpected financial charges and considerable distress. 

Inadequate Service and Support : Each representative provided incomplete or unsatisfactory answers. Notably, XXXX abruptly terminated the call at XXXX EST without addressing my concerns or arranging for a callback. 

Policy Transparency and Compliance Issues : My request for a record of the conversation was denied, citing company policy. Furthermore, MOHELA refused to provide a copy of this policy. This raises concerns about transparency and accountability, particularly since my loan agreement is under the jurisdiction of the U.S. Department of Education, suggesting that federal policies should apply. 

Given these experiences, I request the following actions : A thorough investigation into the handling of my account, specifically regarding the uncommunicated changes to my IDR plan and the unexpected charge of {$690.00}. I would like it referred to the DOJ for wire fraud. 
Clarification on MOHELA 's policies about customer communication, call recording, and the sharing of policy documents. 
An official response detailing how MOHELA intends to rectify this situation, including reimbursement for the undue financial burden caused by the uncommunicated change in payment amount.
Consumer complaint received 2024-06-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Atlanticus Services Corporation (FL)

On or around XX/XX/year>, I lost my Fortiva credit card issued by the XXXX XXXX XXXX There were multiple charges made that I did not make. The card was lost and the fraudulent charges were made while I was on vacation with my family. I noticed the card was missing and the charges on about XXXX XXXX. When I returned home a few days after, I reviewed my online account and documented the fraudulent charges. On or about XX/XX/XXXX, I contacted the customer service department to notify them of the lost card and fraudulent charges. A few weeks later, I received a letter from Fortiva stating that the fraudulent charges were my responsibility due to not contacting them at the exact moment I noticed my card had been lost and fraudulent charges were made. I attempted to contact them again regarding this and they only stated the process was closed and they deem me responsible for the charges. From information I found online regarding the Fair Credit Reporting Act and federal law pertaining to disputing fraudulent charges, I was not and am not bound by any law stating that I have to contact the credit card the same day I notice the fraudulent charges. This company is ignoring federal law and the FCRA by holding me responsible for these charges and reporting my account as past due as I have not and will not pay for charges that I did not make. Any assistance is very much appreciated. Thank you!
Consumer complaint received 2023-12-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: M&T BANK CORPORATION (TX)

I contacted M & T Bank in XXXX and again earlier this week. In XXXX, I requested available options to lower my monthly payment to avoid delinquency. The representative I spoke with was so dry, unprofessional, and non-empathic that I disconnected the call. It was clear that she was not interested in helping me. In late XXXX, the company I had just began employment with in XXXX began layoffs. I have now been unemployed since XX/XX/XXXX and recently declared bankruptcy. I contacted M & T Bank this week after receipt of a letter offering options to modify my original note and reduce my monthly mortgage payment through on of their loss mitigation programs. Again, I got a representative that was not at all interested in helping me. I explained to him that I was unemployed and his only response is that he couldn't help me, no other alternative options were provided. Today I received a letter from them again. This time, the options are listed as : repayment plan, unemployment/special forbearance, loan modification, short sale, and deed in lieu of foreclosure. Why hasn't any of these options or alterntatives been offered to me by the two preceding representatives? It is customary in service to exhaust all options available to best help the consumer. M & T Bank has done nothing to try and help me. Considering I am now unemployed, the male representative I spoke with this week could have offered the unemployment/special forbearance. Additionally, they do not explain the options to you or take time to work with you on best fit. I want to keep my home, but a little assistance in trying to do so would be greatly appreciated.
Consumer complaint received 2023-07-04
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: GLA Collection Company, Inc. (IN)

I have repeatedly told them to stop calling. I have also told them if they continue to call I will sue them yet they call daily. The law says I have the right to deal only with the original creditor which is what I have explained I will do. The original creditor refused to file this with insurance. I have repeatedly explained that. They do not care yet they can still continue to harass me.