davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-09
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. (NV)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX 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 2023-08-03
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: Exeter Finance, LLC. (IL)

In accordance to the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit account under a open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-12-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

My existing home loan was transferred to Mr Cooper aka Nationstar Motgage LLC. Despite having both my home insurance and flood insurance policies paid for through my existing Mortgage escrow account. Mr Cooper has managed to lose all information on file from the original loan of who my insurance companies are and claim they have no information on file for either policy. They sent a threatening letter that there is nothing on file and that they would be obtaining an insurance policy for me despite having a fully paid policy in force for the property until XXXX/2021. I didn't ask to have my mortgage transferred so I certainly shouldn't have to waste all my time and effort into insuring they know what the XXXX they are doing. They should not be allowed to purchase new existing accounts if they are this bad at handling the transferring of all information that I didn't ask to initiate in the first place.
Consumer complaint received 2023-10-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

THESE ACCOUNTS IS NOT MINE XXXX XXXX XXXX XXXX XXXX  - XXXX I NOT AUTHORIZE THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (CO)

I was sent a billing statement from advantage, my federal student loan servicer. But my loans were in a graduation grace period which eneded the same month covid forbearance began and have been under covid forbearance since than. 
Aidvantage is saying I owe a payment starting XX/XX/XXXX but my loans are under covid forbearance until the expiration of the the ongoing covid forbearance extended by the XXXX administration. 

They are trying to be misleading and say that forbearance is only until XX/XX/XXXX.
Consumer complaint received 2018-05-04
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: STERLING JEWELERS, INC. (CA)

I bought a wedding ring XX/XX/2016 with a Promotional Cero interest for 24 months. I chose the automatic payment option of {$530.00} a month since I knew it was going to be fixed until the account is pay off. Two months back, I realized I was being charge interest rate since the loan started. Its more than {$1000.00}. I have make several attempts for the past 2 months by calling and talking to different representatives with no results. In fact, they told me that in XX/XX/XXXX they were going to reimbursed me the interest charges. Its XX/XX/XXXX and I am still in the same position I was 2 months ago. I called 2 days ago and I feel they are giving me the run around. I need your help please.
Consumer complaint received 2018-05-04
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: MORTGAGE SOLUTIONS OF COLORADO (GA)

I purchased my home in XXXX of 2017. Having lived in my current dwelling for less than a year I am faced with approximately {$50000.00} in damages to this property to include : Structural and foundation damage ... $ 30,000+ Septic system replacement ... {$8000.00} Water damage to the structure ... {$13000.00} I feel that these issues should have been corrected prior to my purchasing of the home and that many of these issues were not disclosed and/or misleading as we were giving information that said these repairs were addressed. However, we later discovered that many of these issues were camouflaged. 
I also feel that the home load inspector should have never allowed this loan to go through due to these major costly issues.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

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. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX XXXXXXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX/XXXX  Account NumberXXXX has violated my rights. Or a 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 2023-10-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: A.R.M. Solutions, Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX XXXX I got a deb collection from above company forXXXX that I never owned or received services Agency account number XXXX My name : XXXX XXXX A.m.r debt collector, working on behalf of our client, XXXX XXXX XXXX XXXX only delivered one time on XX/XX/23, never received the propane delivered on XX/XX/23 there is still a remaining balance of {$830.00} due on the account are for the propane did not delivered
Consumer complaint received 2018-05-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Blackhawk Network Holdings Inc. (FL)

The company stopped the program in summer of 2016. I had a balance of {$2000.00} loaded on my account. The company was supposed to send a check with the full balance to my address on file. I have not received the refund for the owned balance. After making multiple phone calls, representatives forward my inquiry to the bank and ask me to wait 4-6 weeks for check to arrive. I have waited for over a year to receive money owned to me. My next step would be small claims court and I will demand interest and legal fees compensation.
Consumer complaint received 2023-11-12
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (GA)

I.Q Data International put a collections on my credit from a prior apartment complex I use to live at. The lease had ended in XXXX of XXXX and I received a two month extension until XX/XX/XXXX but the apartment was horrible and inhabitable I had no air conditioning so I left and stayed in a hotel after it was never fixed and the apartment overheated. I did pay all of my rent up until that time and I stayed in a hotel temporarily until I moved into my current apartment. I have proof reciepts of the hotel stay that I was not in the apartment of which the original debt collecter XXXX XXXX is lying and saying I resided in the apartments unitl the end of XXXX when they claim they gained possession of the apartment. That is not true I moved out months prior to then and if that were to be true then that would be an illegal eviction as they filed a disspossery and I went to XXXX XXXX in XXXX XXXX of which XXXX XXXX  didn't appear in court and told the court I moved out and monetary judgement of {$0.00}. A immediate same day writ of possession was entered in XXXX XXXX because I appeared in court and said I didn't live in the apartment so that would be an illegal eviction if they had me go to court in XXXX saying I live in the apartment then file a false collection saying they gained possession in XX/XX/XXXX. XXXX. Data International is also committing fraud by posting this false information on XXXX credit report of deliquent rent payments for an apartment I did not live in nor have a lease agreement with or at.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all XXXX data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within XXXX days, as mandated by the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over XXXX days old.
Consumer complaint received 2023-10-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (VA)

I participated in the PSLF program from XXXX. I annually updated my employment status and made over 120 qualifying payments during that time. In XX/XX/XXXX, my XXXX account showed that I had qualified for full forgiveness of all my loans. 

However, after the switch to Mohela, the account statement showed that I still owed {$10000.00}. When I queried after this, I was told it was because this part of the balance belonged to my husband ( we consolidated our loans in the XXXX ). My husband has worked for the federal government or the military since XXXX so we submitted PSLF forms that proved his qualifying employment. We submitted the forms using the upload tool on the Mohela website, but Mohela doesnt show any record of receiving them. We also mailed a hard copy with a note with no resulting change on the account as shown on the website. However, even though Mohela supposedly didnt receive the PSLF form, the website now shows that we have made 127 qualifying payments on the remaining mystery balance ( {$10000.00} ). 

During the last 3-4 months, Ive been informed repeatedly that I was required to pay back the balance ( which also changed a couple of times ), and was given three different monthly payment amounts. I have called Mohela multiple times about the issue and been put on hold for no less than two hours each time. Every call resulted in the customer service rep telling me that they are waiting for the federal loan people to approve the discharge and that they will put the account on a forebearance until then. Unfortunately, my account still doesnt show a forebearance and the most recent correspondence from Mohela is that I am still expected to fork out nearly {$1000.00} per month on an {$11000.00} loan that should already be forgiven. In addition to being frustrated that this account has shown that it was qualified for forgiveness for over a year, I am also confused why the monthly payment amount Mohela is demanding is so high for such a small loan balance. 

In short, this loan should have been forgiven over a year ago, but since the transfer to Mohela, my account is a complete disaster. The company has been so... disorganized? Greedy? Crooked? I'm afraid if I make payments on this balance that I will never receive a refund after the loan is finally forgiven ( if its ever forgiven! ).
Consumer complaint received 2020-12-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MN)

Every year when it comes time for the Income Driven Renewal the federal loans are are renewed correctly. When the FFELP loans are in need of renewal which is at a later date than the federal loans Navient claims new forms need to filed. The link in the Online Account communication for renewal of the Income Driven Repayment for FFELP loans provided by Navient in the online account sends the person to the Federal Student Aid website which already has the information in their data base for the filing of the federal loans which renewed a few months before. Navient claims that this information can not be used and new forms need to filed for FFELP which leaves the consumer in confusion. The link Navient provides in the account directs the consumer to the Student Aid site but Navient claims the information submitted isn't valid and that a new form must be completed. I do not see how Navient is following federal guidelines if they are deciding what information and forms can and can not be submitted when federal guidelines provide them with direction for renewal. I submitted the information to the Federal Student Aid website in XX/XX/XXXX for the XXXX year. The FFELP loan needs the information submitted by XX/XX/XXXX for the 2021 year. Navient refuses to use the information submitted although the Federal Student Aid website states the information submitted is good for one year and needs to renewed at the next renewal date. I called and spoke with a service agent on XX/XX/XXXX XXXX XXXX in which I was told new forms had to filed for the FFELP program which the Federal Student Aid website does not state.
Consumer complaint received 2023-10-04
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX These accounts are not mine, I do not want them on my credit report, I need them to delete them.
Consumer complaint received 2024-04-05
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: EQUIFAX, INC. (IN)

I have consistently maintained XXXX payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my XXXX payments for those accounts.
Consumer complaint received 2023-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: M&T BANK CORPORATION (MD)

Opened a joint savings & checking accounts on XX/XX/XXXX  then my wife decided she no longer desired joint accounts with M & T since she had her own accounts with another local bank. On XX/XX/XXXX  I opened my own savings and checking accounts with my current debit card now linked to my new M & T accounts-there was {$1900.00} transferred to my new checking account and {$5000.00} to my new savings account on XX/XX/XXXX   or so I thought. On Sunday XX/XX/XXXX  my debit card was declined three times because there where no funds in my new individual checking account. All my monies had been mystery transferred back to both joint accounts. Over the next ten days I had to call at least seven times to get my monies moved back to my new accounts from the joint accounts. I don't know who-what-when but this was ridiculous. I was also in XXXX XXXX on personal business and won up with two blown tires trying to get to nearest M & T branch in XXXX XXXX, PA [ near XXXX XXXX ] and found it to be under a remodeling event with no assistance there. When I got back home between the four accounts I was told I should have kept track of my individual spending when I didn't know what accounts had my money and then M & T takes 3-5 to post charges. Tried to explain this on phone to their customer service rep " XXXX '' she hung up on me.I closed my accounts now I'm being bombarded with late fees on my two accounts. Who at M & T kept moving my money? Could never get an answer
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IA)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2023-10-05
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Back in XXXX of XXXX  I reached out to all 3 credit bureaus plus XXXXXXXX XXXX XXXXXXXX IN REGARDS TO FRAUD ACCOUUNTS THAT THEY WERE REPORTING ON MY CCREDIT REPORT. These accounts do not belong to me and were a result of identity theft. per 15 usc 1681 by law you can not furnish information that is untrue on someone's file like you guys have done. you all have not properly investigated and due to that the accounts have still remained. I will give you all one more chance to rectify the situation asap, Thanks.
Consumer complaint received 2023-10-05
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. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-19
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NJ)

I paid my bill in full to Comenity- Victoria Secret XXXX XXXX before the due date through my XXXX XXXX XXXX TD Bank. They didn't receive the payment. I received another bill from them in XXXX. I have not made any charges to this account since the XXXX time purchase in XXXX. I was directed to their website to upload proof of payment. I have done that. I gave documentation that the bill was paid to them and that they had it. Finally, I had my bank stop payment and reissue the payment since they couldn't figure it out. They have been charging me interest and late fees now totaling {$140.00} on a bill that was paid in full and on time. Please note that Comenity-Victoria Secret had an mailing address change. However, Comenity- J.Crew had the same change and I incurred no problem with having my payment debited. I requested my credit card closed and they have done that except they are still requiring payment for the {$140.00}. 
Comenity-Victoria Secret 's practices are predatory and fraudulent. I should not be penalized for their inability to find a payment that was made to them.