davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

In XX/XX/2020 I was furloughed from my job that I held for XXXX years at XXXX XXXX. Through NONE of my own decisions, choice or actions did I want to lose my job. The government shut us down because of Covid. I was in no way shape or form prepared for what that entailed for the next couple of years. Prior to the pandemic, I had a 100 % payment history, not one single collection or negative mark whatsoever on my credit report, check and see for yourself. I didnt ask to be furloughed, I didnt ask for not a single bit of that traumatizing and life altering event in my life. Now the end result of not being able to pay my bills, about 15 negative collections on my credit report, I lost my vehicle to repossession when it was so close to being paid off, XXXX cant even get a loan or a bank account at this time. Im nothing but a huge risk to everyone. Why? Because I lost my job due to a global pandemic that I had no control over?! Thats insane. I absolutely feel like people who were in the same boat as me should be given leniency and these negative things be taken off of our credit reports immediately. This is not fair at all. Covid has literally ruined my credit that I worked so hard for and now Im being punished extremely wrongfully due to something out of my control, a world wide disaster. I am a Government employee now, Department of Treasury, and I can not even open up a checking account at XXXX XXXX XXXX due to this. I feel like this is such a huge issue for some of us and I will not stop fighting until we get the relief we well deserve. Please, mentally and emotionally and physically, Covid has reeked enough havoc in our lives, now we have to live with this affect as well!? Im genuinely a good person and I would appreciate it so much if we could do something, anything, to help us people who are still being punished by that nightmare. Please take what I have said into consideration and I pray that you can put something into place to help us go back to a semi normal life again. Its been enough for way too long already as it is. Thank you for your time and understanding. Looking forward to hearing back from someone soon. Thanks again.
Consumer complaint received 2019-12-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (FL)

I made my XXXX and XX/XX/XXXX payment of {$820.00} a month to SETERUS. When I was trying to make XXXX payment it was when I learned that SETERUS was no longer servicing my loan. It was Mr. Cooper. I called the number that was left on SETERUS phone line and spoke with an agent who told me that Mr. Cooper had bought my mortgage. I made XXXX and also XX/XX/XXXX payment with. Mr Cooper when it was required of me to pay it. In XXXX  when I tried to make a payment the Mr Cooper agent would not take the payment of {$820.00}. Claimed that I owed {$5700.00}. And unless I paid it they could not take a payment from me. 
I asked them where this money owednwas coming from they replied that SETERUS had reported to them that I owed them. Back in XX/XX/XXXX my mortgage was refinance so my payment was {$930.00} I met the trial payment conditions so in XX/XX/XXXX Seterus did an analysis and my mortgage went down to {$820.00}. I sent every piece of documents that was proof including bank statements for XX/XX/XXXX to XX/XX/XXXX to Mr Cooper that they asked for. I called back and was given the run around I called sometimes every day I keep getting different answers from agents. 
I was assured that if i Refinance with Mr Cooper that more than likely that I would be approved. When I called as to find out what was the outcome I was told that the refinance was higher than what I was originally paying. 
I told Mr Cooper that {$1300.00} was too high for me to pay. I was told that I had to pay it. I told them that my loan was already modified with SETERUS and why couldn't Mr Cooper honor it. Customer service is so very poor at Mr Cooper it was unbelievable. They kept turning me around and now here I am according to them I don't qualified for refinance. Instead I was sent a letter of FORCLOSURE. I asked them to please see what they can do because I don't want to loose my home. 
I have been saving the {$820.00} since then but they would not take it from me. 
This company refused to work with me to resolve this issue and bring a resolution to this ordeal. My loan was modified with SETERUS and the money that Mr Cooper is saying that I owed, it was put on the back of the LOAN. At no time SETERUS told me that I was late or behind in my mortgage payments. 
Please help. I filed a complaint against SETERUS who I have learned have filed for bankruptcy.
Consumer complaint received 2023-07-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: EdFinancial Services (IL)

Urgent Complaint Regarding Unresolved Loan Refund and Discharge I hope this email finds you well. I am writing to express my deep frustration and disappointment regarding the handling of my loan refund and discharge request. Despite numerous attempts to resolve this matter, I have yet to receive any satisfactory resolution from Edfinancial.

To provide some background, I paid off my loan both before and during the Covid-19 pandemic and requested a refund for the amount I paid during that time and that because president Biden announced will forgive up XXXX to student loan borrowers. I have not received the refund check as promised, so I requested loan to be discharged as I asked to get it cancel since I didnt received, but it seems that no action has been taken on this front either.

I have diligently reached out to Edfinancial representatives through phone calls and online chats, but I have consistently received the same response of " waiting '' without any clear timeline or progress updates. I was initially informed that the process would take approximately four weeks, but it has now been more than four weeks, and there is still no resolution in sight. To add to my concerns, loan payments will start in XXXX and I have not yet received the promised refund check or discharge from account since I canceled. This situation is causing undue financial stress and uncertainty. 
The lack of progress and communication on this matter is highly concerning and unacceptable. I have even contacted the Department of Education and the Treasury, and they have confirmed that there is no record or request under my name, which raises further doubts about the efficiency and effectiveness of Edfinancial procedures.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

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. 

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 2020-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (NY)

I recently ran a credit check due to a low FICO score inquiry. I have had a low score and have been paying on time. I saw a debt of {$890.00} from a company called LVNV and I have not received any mail, email or calls regarding this debt on my report for two years. I believe 2 years ago this showed up and I requested debt verification to make sure this was not fraud however, never heard anything back. After checking today I called them and they would give me no information on what it was or even how I could pay it. They did nothing yet this has ruined my FICO score for almost 2 years! 

I would never have found this had I not checked today. The frustrating thing is that there is literally no way to fix this! I can't even make a payment on it! It has damaged my credit and they have sent me zero answers on verification of the debt. The company LVNV is lying to me saying they have responded to my mailing address when I received nothing. I have several thousand in my account and never would have allowed a small debt to ruin my credit yet I can't resolve this debt or find out if it is fraud! Please Help!
Consumer complaint received 2020-02-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Source Receivables Management LLC (GA)

There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to the invasion of individual privacy and rights. 

This Consumer Complaint is against Source Receivables Management , LLC for it's violations of the Fair Debt Collection Practices Act ( FDCPA ) against ( me ) XXXX XXXX XXXX. 

I XXXX XXXX XXXX was never afforded the opportunity to dispute this alleged debt, in violation of 15 U.S.C. 1692g ( b ) which is provided to me by law. See. 15 U.S.C. 1692g.

No Notice of Debt was ever received by ( me ) XXXX XXXX XXXX in violation of 15 U.S.C. 1692g ( a )
Consumer complaint received 2022-12-16
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. (WV)

15 usc 1681 section 602 states I have a right to privacy 15 usc 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions.

15 usc 1666b states a creditor may not treat my payment on a credit card account under an open end credit consumer credit plan as late for purpose
Consumer complaint received 2020-02-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (FL)

I was in communication with a loan originator at XXXX XXXX ( NMLS XXXX ) regarding a refinance of my current mortgage loan. After a brief phone call, they provided me with an online application to complete for the refinance. AFTER they pulled my credit and harvested all of our personal financial data, as well as wasted 30 minutes of our time completing the application, THEN they told us they don't even do lending in our state. Has to be illegal for them to pull our credit and take all of our financial information without informing us that they don't even service our state first.
Consumer complaint received 2020-02-27
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC (VA)

I received an advertisement from Advance Financial 24/7 in the mail, and contacted them via phone and then went to their website and they guided me through filling out an application for a line of credit in the amount of {$1500.00} on XX/XX/XXXX. I provided my bank account information to them for deposit purposes. I did not know that they would use this account information in the future to withdraw payments for the loan. When the company withdrew the first payment from my account, I contacted them and asked them not to do it again, and they assured me that all of my account information would be removed, and I would be able to send checks in the mail. However, the company has continued to draft payments from my account every month. 

I never had copies of the documents I signed or any knowledge of the interest rate the company was charging me. On XX/XX/XXXX, I requested copies of the documents I had signed and a statement of the balance because during a phone call, a representative of the company informed me that I was being charged 360 % interest and I was shocked. I had no idea I had been paying that much interest since XX/XX/XXXX. The company refused to send me the original documents I signed to request the line of credit. They did send me a current statement of my account, which reflected the 360 % interest. 

I asked Advance Financial 24/7 for a fixed payment amount, and at that time the balance was approximately {$2500.00}. I told them I would pay that amount if they would not continue to add interest. They would not agree to this arrangement. 

I attempted to settle the amount I owed by paying the company {$110.00} per month until the debt was paid, and the company agreed over the phone, but the company drafted a payment of over {$500.00} instead. I disputed the debit with my bank account, and the money was put back. 

I know that this predatory interest rate will likely cause this personal loan debt to balloon out of control as it already has, and will likely be very difficult to ever get rid of. I would never have done business with this company if I had known that they would not provide information to me about my loan or a fixed interest that is reasonable rather than extortionary at 360 %.
Consumer complaint received 2024-03-16
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. (NC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-04
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: MARINER FINANCE, LLC (GA)

I began to review my credit earlier this year and noticed several inaccuracies. Out of an abundance of concern, I requested that VALIDATION in accordance to the Fair Debt Collection Practices Act be provided to me timely for my personal and legal review. However, after two separate requests made timely for this, the company has failed to provide me with this validation. The company not only denies me of my rights as a consumer under this act, they also continue to employ illegal practices, reporting tactics to bureaus. I have made SEVERAL calls and spoken to several representatives at the company who have ensured me that not only is my account in positive standing and never has been delinquent, it was not shown or indicated to " charged off '' or late EVER!
Consumer complaint received 2024-03-16
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. (NC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1000.00} - late/OPEN - XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1600.00} - late/OPEN - XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX late/CLOSED - XXXX
Consumer complaint received 2020-02-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

Our mortgage was transferred to Mr. Cooper / Nationstar back in XX/XX/XXXX with out first payment made on XX/XX/XXXX. Payment was taken out of our account via bill pay from the bank XXXX XXXX in the amount of {$3300.00}. The Bill Pay Confirmation is # XXXX. 

In XX/XX/XXXX, I was notified by mail that we were a month late on our mortgage, so I immediately called and the customer service representative said that I sent it to Nationstar, but to a different department. He would put in a request to recover the payment and apply it to our account. If he had any trouble with that, we would hear from in a couple weeks. 

I never heard from them again and continued making payments each month. Each outlined below. 

XX/XX/XXXX Mortgage : XX/XX/XXXX, NATIONSTAR MORTGAGE NEW,  {$3100.00} Conf. # XXXX XX/XX/XXXX Mortgage : XX/XX/XXXX, NATIONSTAR MORTGAGE NEW, {$3100.00} Conf # XXXX XX/XX/XXXX Mortgage : XX/XX/XXXX, NATIONSTAR MORTGAGE NEW,  {$3100.00} Conf # XXXX XXXX Mortgage : XX/XX/XXXX, NATIONSTAR MORTGAGE, {$3300.00} Conf # XXXX This week, I received a phone call from Mr. Cooper / Nationstar saying we were late on our mortgage and the customer service representative said it was the XX/XX/XXXX Payment we were missing. I then recounted the same issue that I discussed with the representative in XX/XX/XXXXand this representative gave me an email address where I sent all of my documents and proof of payment. It's going on 4 days now and I haven't heard anything from this company. I have never been late on a mortgage payment and need this resolved. I feel like I'm being taken advantage of for an additional payment.
Consumer complaint received 2020-02-27
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: I.Q. DATA INTERNATIONAL, INC. (GA)

On XXXX XXXX, at XXXX XXXX  EST, I received a call from I.Q. Data International stating that they received a call to verify if a debt was collected in full. I was given the opportunity to pay a lesser amount and I declined. Once declined, I was told that I would not be able to move so it was best that I pay my debt and that I would not be able to receive a discounted rate again. 

When I called to come to a solution today, I was told to use my tax return to pay off the debt. Im not quite sure how these people concluded that I receive a tax return. I do not. 

I felt like those choice words were used to insinuate that Im a person of XXXX and the only reason I was calling was because I received an income tax return.
Consumer complaint received 2020-02-27
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. (MS)

I'm in the process of buying a home. As I was at the bank the lender told me that the first step was to pull my credit to see what type of loan I was eligible for. The lender reviewed the report with me and he found one derogatory item and several inquiries that do not belong to me. There is a child support on my credit and it shows that the account is closed and paid for, but it is mine. Please remove this fraudulent closed account from my report and inquiries that I have never made.
Consumer complaint received 2020-02-27
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Convergent Resources, Inc. (MN)

I was threatened for non payment of XXXX debt from identity theft. Convergent Outsourcing Inc. called me  and threated to put me in jail if I don't make payment! They have also never responded to my dispute letter or other ways to contact them its been over 45 days now..
Consumer complaint received 2020-02-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (WY)

This is a case of mistaken identity, the debt you are attempting to collect is fraud. I never carried credit with XXXX XXXX, I explained this to them already, please stop attempting to collect this debt it false, or fraud and was not incurred by me. I contacted the FTC, the Report Number:XXXX, please re-frame from trying to collect this debt or impugn charter.
Consumer complaint received 2020-02-27
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA (IL)

I am in my final year as a XXXX student full-time enrolled while also completing an internship ( school requirements ) in which I am making $ XXXX/hour. My XXXX private student loan that I obtained during my final year of XXXX serviced by AES informed me that I am due to make full payments starting in XX/XX/2020. However I do not complete my program until XX/XX/XXXX. I submitted a deferment form and AES denied it saying that I have used up all my deferment period. They have billed me {$580.00} per month and that is beyond my paycheck. I requested a forbearance, they stated that I am not qualified for that. At this time, they are threatening to report my late payment to the credit bureaus and I am unable to make this payment as my paycheck does not support at this time. Im a full-time student and I can not afford to pay approximately {$600.00} a month in student loan payments. I reached out to my school to assist me and they informed me that they are unable to. I would like to know what my options are.
Consumer complaint received 2022-10-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiries : XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX  XX/XX/2022 XXXX XXXX  XXXX  XX/XX/2022 XXXX XXXX  XX/XX/2022