davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-17
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: Experian Information Solutions Inc. (TX)

To Experian I submitted a dispute on or about XX/XX/2022. Loan company is XXXX XXXX, amount {$2200.00}. I requested Experian to provide documented proof, such as a signed contract loan agreement or any document with my signature agreement. 

To date Experian has not provided documented proof with XXXX XXXX. They are still showing on Experian website as a debt. 

I am requesting help from the FTC to get Experian to obtain documented proof. If not, remove XXXX XXXX debt of {$2200.00}.
Consumer complaint received 2023-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRUIST FINANCIAL CORPORATION (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/2023 Dear Sir/Madam, I am writing to request the removal of a late payment from my credit report that occurred during the XXXX pandemic. The late payment was for Account Ending in XXXX. I experienced financial difficulties during this time due to the pandemic, which made it challenging for me to make timely payments. 

I am now in the process of trying to purchase a home, and I am concerned that this late payment will negatively impact my ability to secure a mortgage. As you may know, a late payment on a credit report can stay on the report for up to seven years, and it can have a significant impact on my credit score.

I would like to request that you remove this late payment from my credit report as a gesture of goodwill given the exceptional circumstances surrounding the XXXX pandemic. I have since regained my financial footing and have made every effort to stay current on my accounts. Based on my otherwise spotless payment history, I would like to request that you apply a goodwill adjustment to remove the late payment mark from my credit report. Granting this request will help me improve my overall credit history and demonstrate my consistency as a creditworthy borrower. 

Removing this late payment from my credit report would greatly improve my chances of obtaining a mortgage and realizing my dream of owning a home. I believe that this removal will help me rebuild my credit and achieve my financial goals. 

Thank you for your attention to this matter. If you require any further information or documentation, please do not hesitate to contact me. 

Sincerely, XXXX
Consumer complaint received 2023-10-26
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Exeter Finance, LLC. (IL)

I have a car loan that had a 6 year term and an interest rate over 22 %. The loan 's maturity date was XX/XX/2023. I have been paying my normal monthly payment by the due date, but most recently XXXX XXXX has stopped taking my payments and said that they will no longer accept " partial '' payments, and want me to pay the remaining balance within 27 days or they are going to default me on the loan. There is approx {$2500.00} left on the loan. In addition, it seems like based on the statements and payments made, it seems like I may have overpaid on the loan.
Consumer complaint received 2022-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CLGF Holdco 1, LLC (AL)

I filed a dispute in regard to the incorrect items on my credit report, it has been well over 30 days and still haven't received any investigation results.
Consumer complaint received 2023-10-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENOVA INTERNATIONAL, INC. (IL)

Email received from NetCredit XXXX Please Make a Payment Today Dear XXXX, Account # : XXXX Please make a payment as soon as possible by signing in to your account or calling us at ( XXXX ) XXXX. 


Your account is severely past due. We understand that certain circumstances may affect your ability to meet your financial obligations, and NetCredit is here to help! If you are having trouble making a payment right now, please give us a call and see what payment options for your past due balance may be available to you. 
Please find a detailed summary of your account below : Loan Number XXXX Past Due Payments 68 Past Due Amount {$10000.00} You can now make payments online with a valid debit card or bank account on file.
Consumer complaint received 2023-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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

XXXX XXXX XXXX XXXX XXXX The account does not belong to me XXXX XXXX XXXX XXXXXXXX The account does not belong to me XXXX XXXX XXXX XXXXXXXX The account does not belong to me XXXX XXXX XXXX XXXX account does not belong to me XXXX XXXXXXXX The account does not belong to me XXXX XXXX XXXXXXXX The account does not belong to me XXXX XXXX XXXX The account does not belong to me XXXX XXXX XXXX The account does not belong to me XXXX XXXX XXXX The account does not belong to me XXXX XXXX XXXX The account does not belong to me 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 states a consumer reporting agency can not furnish an 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`
Consumer complaint received 2023-01-06
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Frontline Asset Strategies, LLC (MO)

I've gotten multiple calls in the last XXXX weeks from XXXX, which caller ID identifies as Frontline Asset Strategies, a debt collector. I do not have any outstanding debt and the caller is not leaving any kind of message to explain why they're calling. The number has started calling twice a day.
Consumer complaint received 2023-10-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (TX)

Situation : Administrative Forbearance is being erroneously or fraudulently applied to my account by MOHELA. 

Background : At XXXX XXXX XXXX XXXX on XXXX, I spoke with XXXX XXXX MOHELA employee # XXXX ). 
I told XXXX, I do NOT want ANY type of forbearance or deferment to be applied to my account, or any other actions that will negatively impact my chances of achieving PSLF as soon as possible.

In 2012, fedloan Servicing misguided me and placed me on Administrative Forbearance, and it is currently hurting my changes of PSLF for those months I worked for a non-profit. 
XXXX XXXX, after speaking with his supervisor XXXX ( MOHELA employee # XXXX ) : There wouldnt be an automatic processing forbearance for what Im asking. Its only when going from IDR to traditional or traditional to another traditional payment plan. [ Administrative forbearance ] would not apply when going from one IDR to another IDR plan. 

Assessment : Steering and manipulative practices to keep borrowers in debt and not qualify for PSLF continues to happen, like it did with my previous loan servicer ( XXXX XXXX ) in 2012. 
It benefits MOHELA and others like them to keep borrowers in debt ; hence why the automatic forbearances, which harms chances of meeting PSLF, are dubiously and quickly applied. 

Request : MOHELA : Please do not start AND remove any forbearance from my account. As stated, multiple times, I did not ask nor do I want anything that will disqualify me and my payments from achieving PSLF. 
Consumer Financial Protection Bureau, U.S. Dept of Education, and our elected officials should investigate MOHELA for these dubious practices.
Consumer complaint received 2023-10-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (DC)

I'm struggling to get Mohela to process a simple customer service request. I am trying to switch my student loan repayment plan from an XXXX plan to the standard XXXX plan. I first called Mohela to request this change on XX/XX/2023 and was told it would take XXXX business days. When the change was not reflecting on my account a month later, I placed a second call ( on XX/XX/2023 ) to follow up. The representative that I spoke to expressed that it shouldn't have taken so long to make that change and assured me that it would be processed by the following Tuesday ( XX/XX/2023 ) at the latest. When the change was still not reflected on my account by that date, I called a third time and was told, again, that it would be XXXX business days. Once again, I waited the XXXX business and, when the change still had not been made, called a fourth time ( on XX/XX/2023 ). The representative I spoke to that time told me that it actually takes 60 days, not XXXX ( as I had been told by each of the XXXX prior representatives I had spoken to ), which was why it had not yet been processed. I asked to speak to a supervisor, but was disconnected while holding ( I had already waited over an hour on hold to speak to the first representative ). To date, my request still has not been processed. I am submitting this complaint because I am concerned Mohela is kicking the can down XXXX XXXX on this request. I had a similar issue in the past getting Mohela to process a very basic customer service request ( correcting obvious errors in my PSLF count ) and was only able to get help from Mohela after filing a CFPB complaint.
Consumer complaint received 2023-11-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (OH)

Initially submitted XXXX application to Nelnet on XX/XX/23 to decrease student loan payment. XXXX said I was qualified for the plan. Nelnet has put account into administrative forbearance for last 3 months and has not processed XXXX plan yet. I have uploaded proof of income and paystub to them and they have still not processed the application. Every week I get an email the application is still in process. Interest continues to accrue on the loans while they take more and more time to process the application and it is uncertain whether this interest will be written off. The XXXX application needs to be processed and the payment plan needs to be changed to XXXX.
Consumer complaint received 2018-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX XXXX is reporting late payments after my loan was paid off. I paid my loan off in XX/XX/XXXX, which the attached report shows it was XXXX balance paid off. Then when I got a new credit report pulled in XX/XX/XXXX XXXX XXXX has 2 NEW late payments on a PAID OFF and closed account for XX/XX/XXXX and XX/XX/XXXX. 
I disputed these and the bureaus and XXXX claim they are valid. I want to know exactly, how NEW LATE PAYMENTS are accurate when the account has been paid. This has affected my financing and caused me to LOSE a house. So XXXX XXXX needs to delete these late payments or the next correspondence will be from my attorney. The bureaus are in violation as well. I mean this is ridiculous.
Consumer complaint received 2023-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: ENCORE CAPITAL GROUP INC. (MI)

Your company is reporting three accounts on my credit report inaccurately. I have never opened or given permission to anyone to do so. How did you obtain my personal information? It Is Violating, Intrusive and Illegal. 

These accounts were opened fraudulently, I'm very upset that you have included this inaccurate information on my credit report. 
I have wrongfully been denied credit recently due to the intentional inaccurate information that has caused me a world of trouble financially and emotionally. 

Please remove this from my credit report so I can start possibly rebuilding my credit and life. 

By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute.
Consumer complaint received 2023-08-13
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account number XXXX has 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 a account without my written instructions.

4 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as for any purpose.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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 accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-30
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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Consumer complaint received 2023-10-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

Yesterday, I received a letter electronically from Mohela saying that my account had been put on administrative forbearance. I believe this is due to their need for time to figure out why I have not been billed yet - I had originally contacted them because they never sent me a bill even though I should be in repayment and I was afraid of defaulting. However the forbearance letter does not list all of my loans. It appears that half of my loans are now on forbearance and half are not. So I am still afraid of defaulting on the loans not in forbearance. I very much would like to make a payment on my loans, but it appears MOHELA is too understaffed to quickly get me into the SAVE program and send me a bill for the correct amount.
Consumer complaint received 2023-10-10
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: SYNCHRONY FINANCIAL (MA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX SYNCB/AMAZONCML ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are showing on my credit report which I don't recognize. I tried to file a complaint before to these companies to remove it from my credit report, but no action was taken.
Consumer complaint received 2023-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

On or around XXXX XXXX I requested my credit report and noticed some inaccuracy of inquiry on my Equifax report i disputed with the agency but yet have not received any updates. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 u.s.c 1681 I ( 5 ) They are supposed to modify accounts that aren't reporting correctly.

15 u.s.c section 602 A section 2 : States I have right to privacy 15 u.s.c section 604 A SECTION 2 It also states a consumer reporting agency can not furnish an account without my written instruction 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 another 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 disclose to a customer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.
Consumer complaint received 2023-06-17
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. (CA)

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 accounts ( A ). It is not permissible to fail to validate these reporting accounts 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 : XXXX XXXX XXXX : {$2000.00}, XXXX XXXX Balance : {$2700.00}, XXXX XXXX XXXXXXXX XXXX XXXX : {$8200.00}, XXXX XXXX Balance : {$220.00}, XXXX XXXX Balance : {$6600.00}, XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-06-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: RoundPoint Mortgage Servicing LLC (CA)

This the Mails I have been sending to the Company Roundpoint Mortgage Dear Madam / Sir, ( 1 ) Why is, your Service is so poor?

( 2 ) I have been following up for the past XXXX Months ( 3 ) Sent Mails, called you over the Phone ( 4 ) Are you guys XXXX, do not understand plain English?

( 5 ) Next I will write to the Consumer Financial Protection Bureau ( CFPB ), about your Service, ( 6 ) I have been saying Repeatedly, consider the Additional Payment of {$500.00}, towards Principal Amount, we have been paying Every Month, when you work out the Amortization Statement ( 7 ) This what you gave Start dateXX/XX/2024 Maturity date XXXX/XXXX/2050 ( 8 ) The Above, shows the Wrong Maturity Date. It can not be XXXX/XXXX/2050, It should be before that Date, That is why to make the Loan Period reduce only, we make Additional {$500.00} Towards the Principal, Every Month ( 9 ) Let me ask you this. 
When is my Last Payment of my Monthly Interest Payment? 
For that you have to work out the Amortization Schedule considering {$500.00} Payment, paid Every Month, Towards the Principal ( 10 ) It will be Easy for me to clarify, if any conflicting things that may come up later, on deciding the Closing Date of the Loan ( 11 ) You had sent me Amortization Statement, but that did not take into Account, the Deduction of Additional Payment of {$500.00}, towards Principal Amount, and you had taken only the Principal Amount that is calculated as a Part of my Monthly Loan Payment which is Principal and Interest. 

What you provided Amortization Statement, that does not indicate, the Right Last Loan Payment Date. ( Maturity Date ) If that is the Case, I am afraid, somebody will see this and say I have to pay beyond this Date. Suppose I die, and Our Son, has to pay the Loan, he will be paying the Monthly Interest Payment beyond the REAL MATURITY DATE, You became the " Right to collect Payments '', transferred to you by fromXX/XX/XXXX, who were Servicing of the Mortgage Loan, andXX/XX/XXXX used to give the Right Amortization Statement, by default, without writing Any Mail to them i started off my Load with XXXX, they transferred to XXXX, XXXX transferred to XXXX. 
And XXXX transferred to Roundpoint Mortage. 
All these Companies used to send the Amortization Schedule considering the Additional Monthly Payment Towards the Principal, EXCEPT Roundpoint, who is not doing I want this Statement to come from you, so that it will be Easy for me to clarify, if any conflicting things that may come up later, on deciding the Closing Date of the Loan Summary of the issue : I want the Amortization Schedule taking into Account {$500.00} paid Towards the Principal Every Month. from Roundpoint Mortgage
Consumer complaint received 2023-11-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SOUTHSTATE CORPORATION (SC)

On XX/XX/XXXX and XX/XX/2015 Southstate Bank removed money from my construction loan for the installation of a FIREPLACE in the home at XXXX XXXX XXXX SC XXXX The problem is there was NOTHING in the plans for a fireplace and there was NO fireplace installed. I was recently made aware of this because they did same thing involving another home of mine.
Consumer complaint received 2021-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (DE)

My complaint is with Equifax Credit Bureau.I have verifiable proof from the agency ( Attorney General Texas XXXX XXXX Account number # XXXX ) reporting info. And it is opposite of what Equifax is reporting. Equifax is Reporting my account over 180 days late as is XXXX. Equifax says they verified it, but there is no way. I have submitted documented proof admissible in a court of law showing all my payments have been up to date. They must correct this info or delete the derogatory info. It has hurt my ability to obtain credit. I have filed complaint with Equifax 3 times online always getting answer verified. And 2 times written to Equifax with the same answer. This is false info. I have submitted all documents proving my case. Please help me as this info they are reporting for Attorney General XXXX XXXX account # XXXX is totally false. I am attaching all documents for you to see. I have asked over in over to correct it or delete it from my reports.