davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

Chronology of Events : - In XX/XX/XXXX, I applied and was approved for the income-driven repayment program, REPAYE, which commenced on XX/XX/XXXX, with an agreed monthly payment of approximately {$360.00}. 
- In XX/XX/XXXX, the REPAYE plan transitioned to the SAVE plan, under which my payments continued smoothly. 
- Without any request or justifiable cause from my end, in XX/XX/XXXX, I discovered that my loan had been erroneously switched from the SAVE plan to the LEVEL plan by MOHELA, resulting in a disproportionate monthly charge of {$1900.00}. I had not requested to be taken off the SAVE plan, nothing about my situation had changed that would have warranted being taken off the SAVE plan, and it had only been a few months since being on it ( not the 12 months that might have caused a change in plan ). 
- Upon raising this issue with MOHELA 's customer service representatives ( on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), I was informed of the mistake and promised correction. My account was temporarily placed on processing forbearance while awaiting re-enrollment in the SAVE plan. It was affirmed that the forbearance period would count towards my PSLF eligibility. 
- Despite these assurances, in XX/XX/XXXX, I was again charged {$1900.00}. A refund request made in XXXX was inexplicably canceled ; a subsequent request in XX/XX/XXXX remains unresolved. 
- On XX/XX/XXXX, confirmation was received from a MOHELA representative that there was no basis for the initial switch from the SAVE to LEVEL plan in XX/XX/XXXX, acknowledging the error. SAVE payments are set to resume in XX/XX/XXXX, five months after improperly being taken off SAVE.

Key Issues : - Erroneous Plan Switch : I was unjustly removed from the SAVE plan, resulting in a more than fivefold increase in my monthly payments.

- Impact on PSLF Eligibility : The undue forbearance period from XXXX to XX/XX/XXXX, due to MOHELA 's delay in reinstating the SAVE plan, jeopardizes my PSLF payment count. I propose to rectify this by making retroactive payments under the SAVE plan for the affected months. 
- Customer Service Failures : Addressing this situation has consumed an inordinate amount of my time, aggravated by lengthy wait times, inadequate information from customer service representatives, and impractical callback practices from supervisors. 
Requested Resolution : This complaint is submitted in the hope of receiving a prompt and fair resolution to the issues outlined. I trust that the Consumer Financial Protection Bureau will assist in rectifying these errors and ensuring that such discrepancies do not recur, affecting borrowers ' financial well-being and their trust in the loan servicing process.
Consumer complaint received 2023-03-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

This is our 5 th, Complaint about Wells Fargo Home Mortgage mismanaging our home loan. After receiving our XX/XX/2023 bill for {$1800.00}, we paid {$1900.00} dollars. then for our XXXX bill 2023, we noticed that our payment was Unapplied towards the loan. For almost a year we had the same problem with Wells Fargo Home Mortgage Un applying our funds towards our loan which resulted in Wells Fargo Home Mortgage filing an unlawful foreclosure on our home causing us to hire an attorney for Wells Fargo mismanaging our loan, ( which Wells Fargo had the foreclosure dropped ) but funds were unnecessary spent for Wells Fargo mismanagement, now in XXXX 2023, We are having the same problems with Wells Fargo.
Consumer complaint received 2023-05-22
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. (GA)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-03-01
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: TD BANK US HOLDING COMPANY (PA)

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2017-05-05
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. (FL)

XXXX ,  XXXX  SS #  XXXX  DOB  XX/XX/XXXX  ADDRESS   XXXX   XXXX   XXXX   XXXX   XXXX  , FL  XXXX   XX/XX/XXXX  To Whom it  May  Concern :  XXXX   XXXX .  XXXX   XXXX   XXXX , TX  XXXX   Equifax    XXXX   XXXX   XXXX   XXXX   XXXX , GA  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   PA  XXXX  I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order.   The following inquiries are related to none of the aforementioned permissible purposes.       XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   Auto Financing    XXXX   XXXX       XXXX   XXXX   XXXX       XXXX   XXXX    Auto Financing   XXXX   XXXX   XXXX       XXXX   XXXX   XXXX        XXXX   XXXX    Auto Financing  XXXX     XXXX   XXXX   XXXX       XXXX   XXXX      National Credit Card Cos.       XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX     National Credit Card Cos.       XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX       National Credit Card Cos.        XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX    Television & Radio    XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   T elevision & Radio   XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   Miscellaneous  XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   Miscellaneous Reptg. Agencies  XXXX   XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   Miscellaneous Reptg. Agencies   XXXX   XXXX      XXXX   XXXX   XXXX      XXXX   XXXX    Miscellaneous Reptg. Age ncies    XXXX   XXXX      XXXX   XXXX   XXXX        XXXX   XXXX      National Credit Card Cos.        XXXX   XXXX      XXXX   XXXX   XXXX      XXXX   XXXX     National  Credit Card Cos.      XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   Auto Financing   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   Miscellaneous  XXXX    XXXX   XXXX   XXXX     XXXX   XXXX    XXXX   XXXX , Tire Dealers   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   Auto Financing   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   All Banks  XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   Personal Loans Cos.    XXXX   XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   All Banks   XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX    XXXX   XXXX  Auto Financing Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely,  XXXX ,  XXXX  SS #  XXXX  DOB  XXXX / XXXX / XXXX  ADDRESS   XXXX   XXXX   XXXX   XXXX   XXXX   FL  XXXX
Consumer complaint received 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-03-03
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: EQUIFAX, INC. (FL)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 2023-01-10
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: CAPITAL ONE FINANCIAL CORPORATION (CT)

Pursuant to 18 USC 8, i owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also permission to report
Consumer complaint received 2023-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: PNC Bank N.A. (MI)

I am a XXXX XXXX and suffer multiple conditions including XXXX. Around XXXX on XX/XX/2023, my phone rang and the caller ID stated " PNC Bank XXXX. I have two accounts with them, but currently carry no balance and never authorized them to conduct sales calls, so when I saw them calling I instantly had a XXXX XXXX, with my XXXX XXXX  and XXXX XXXX jumping to unhealthy levels believing that I was the victim of fraud! 

I answered the phone and the young lady began to give me a spiel saying that she was calling to " help '' me and wanted to schedule a better time so that we could speak about PNC 's products that could help me. ... 

I responded, already in an altered state, " Ma'am, I have never signed anything allowing PNC to solicit to me on my mobile, why are you calling? '' she stated that she was not soliciting, that she was only calling to help? Help, I never asked for their help. At this point I'm having trouble breathing as my XXXX XXXX continued to climb. I asked her to transfer me to a supervisor, to which she replied, " she's at lunch ''. I then repeated my request to speak to a supervisor on the floor, to which she then said " I'm going to place you on hold '', a hold that was never released. 

This is not only breaking the law concerning solicitation, to my mobile number no less, but has caused me XXXX XXXX XXXX XXXX XXXX XXXX for what, to try and sell me products I never asked for or need?
Consumer complaint received 2023-03-01
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-03-27
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. (FL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-03-01
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. (TX)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these accounts ( A ). It is unacceptable to list these accounts as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXXXXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX Balance : {$12000.00}
Consumer complaint received 2023-01-19
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)

My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-01-19
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. (CA)

Hello, I have disputed this account several times and have not gotten anywhere. Experian is not doing their due diligence and keep marking the dispute VERIFIED AND ACCURATE without doing their investigation. 

This is a fraudulent account and I had a total of 2 accounts that were being reported. 1 was deleted due to fraud and 1 wasn't. How did they determine 1 was fraud and 1 wasn't. Doesn't make any sense. 


XXXX & XXXX have deleted this account!! 

I've been denied credit due to this account being reported. 

Please see the supporting documentation attached. 

Thank you
Consumer complaint received 2023-03-01
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. (CA)

I was trying to get a loan to buy a house and when I checked my credit report I noticed a lot of discrepancies and blemishes that might jeopardize my character. It is also a violation of 15 USC 1681g disclosures to consumers.

15 USC 1681 ( a ) ( 4 )
Consumer complaint received 2023-03-01
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. (TX)

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. 

ADD ACCOUNT NAME, ACCOUNT NUMBER AND THE LAWS EXAMPLE : 1. XXXX XXXX XXXX Account Number:XXXX, has violated my rights. 
2. XXXX XXXX XXXX - Account NumberXXXX, has violated my rights. 
3. XXXX XXXXAccount NumberXXXX, has violated my rights. 
4. XXXX XXXX XXXXAccount NumberXXXX, has violated my rights. 
5. XXXX XXXX XXXX XXXXXXXXAccount Number : XXXX, has violated my rights. Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate 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 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. 

Please delete these accounts off my credit report IMMEDIATELY and update of late payments to a positve status.
Consumer complaint received 2023-02-28
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. (TX)

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. 

ADD ACCOUNT NAME, ACCOUNT NUMBER AND THE LAWS EXAMPLE : 1XXXX XXXX XXXX XXXX- Account Number:XXXX, has violated my rights. 
2. XXXX XXXX XXXX - Account Number:XXXX has violated my rights. 
3. XXXX XXXXAccount NumberXXXX, has violated my rights. 
4. XXXX XXXX XXXX-Account NumberXXXX, has violated my rights. 
5. XXXX XXXX XXXX XXXXXXXXAccount Number : XXXX, has violated my rights. Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate 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 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.

Please delete these accounts off my credit report IMMEDIATELY and update of late payments to a positve status.
Consumer complaint received 2023-01-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Regional Management Corporation (MS)

On XX/XX/2022 I sent Regional Finance a cease and desist which they received as evidenced by the attached letter. I asked the company for several different documents. The corporation sent a copy of the agreement. The corporation sent nothing else. The corporation was also asked to request deletion of the named account from the credit report agencies. The letter I received did not acknowledge that request and the account is still reporting on my consumer report. I did not give the corporation permission to furnish my financial information. The corporation did not give me an opt in or opt out option.
Consumer complaint received 2017-05-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Gitsit Solutions, LLC. (CT)

Even though I 'm eligible and can afford it, Kondaur Capital Corporation only offered me an unafforable payment arrangement. I received a letter on   XXXX   XXXX   XXXX     telling me that I was denied a payment arrangement because the payments that they want me to make are " unaffordable ''. They want me to pay my {$33000.00} in arrears over 12 months plus make my regular monthly mortgage payment of {$1400.00} which would total approximately a {$4100.00} monthly payment. I would like to keep my home of 18 years. My loan was originally an FHA loan and after much research, it has come to my attention that  Kondaur  is a  XXXX   XXXX  investment company which means they bought my loan at a discount meaning they can reduce my principle if necessary.
Consumer complaint received 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.