davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (CA)

Writing with regard to the way in which income based repayment plans ( IBR ) are calculated for federal student loan repayment. There is significant variation the cost of living across the country and thus determination of how much one can " afford '' based on their income is not an accurate representation of what is affordable because where I live, i.e., XXXX XXXX XXXX, California, the cost of living is markedly higher than the majority of locations across the USA. Furthermore, the cost of living has doubled in the past year not only due to inflation factors, but also the cost of rent, utilities, gas, and basic everyday living supplies is markedly higher. Thus the calculation of my student loans has jumped to {XXXX} per month based on my income, however, this is markedly a higher percentage of my income when integrating the cost of living. 

Federal guidelines in determining IBR repayment is biased against those residing in higher cost locations and is causing me increased burden to manage my basic living expenses. Furthermore, it appears being single has an added burden of cost that is biased in that everything costs more for a single income earner compared to a partnered individual who shares the cost of living with 2 incomes. This is an added financial burden. 

The only other option would be for me to be in deferment which would further exacerbate
Consumer complaint received 2019-07-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (MD)

I work for XXXX as an XXXX. I have been on income driven repayment for five years as I am XXXX   and have XXXX young children. The Pennsylvania Higher Education Assistance Agency denied my annual recertification and has not provided information as to why. No significant changes have occurred since last year and my wife signed as has been standard practice.
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AZ)

I am trying to get a home improvement loan and the agencies are not removing old fraudulent & incorrect entries on my report. I requested removals several times both online and via mail. Many of the companies reporting fraudulent info had mail bounce back from XXXX with invalid address when I tried to contact them. 

XXXX XXXX - false medical debts on XXXX XXXX Experian ( XXXX deleted it ) XXXX XXXX & XXXX XXXX- duplicate secured card accounts that were closed in XX/XX/2017 with amounts due to me incorrectly reported as chargeoff instead of closed with XXXX balance. I also never received my refund. This in on all XXXX  agencies XXXX XXXX - secured card account that was closed in XX/XX/2017 with amounts due to me incorrectly reported as chargeoff instead of closed with XXXX balance. I also never received my refund. This in on Experian and XXXX ( TU deleted it ) XXXX court - this false information is still being reported even though I requested proof of their source XXXX times via mail. No response from XXXX XXXX Experian. XXXX deleted it. 

Fraudulent inquiries from XXXX and XXXX that only appear on XXXX
Consumer complaint received 2015-11-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (OK)

I applied for & received a loan from Bank XXXX which was then transferred to OCWEN for servicing. In XXXX 2015 I was notified by OCWEN that my loan was a balloon loan which was the first I heard of a balloon loan. I started working to refinance with XXXX when I was told by XXXX that I did not have a balloon loan therefor they could n't refinance. Many hours of phone calls with OCWEN followed with some people admitting that I do n't have a balloon loan while others say I do. Nowhere on my promissory note does it say anything about a balloon loan or balloon payment. I just finished a call with OCWEN when I asked the operator to forward a copy of any balloon loan disclosures I signed. He searched for over an hour and determined that there was no such disclosures signed. I 'm not sure where to go from here but my loan matured XX/XX/2015 and they are now threatening foreclosure. When I enter the terms of my loan based on the promissory note in a loan calculator it shows that it would be paid off XX/XX/2015. HELP!!!
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AZ)

I am trying to get a home improvement loan and the agencies are not removing old fraudulent & incorrect entries on my report. I requested removals several times both online and via mail. Many of the companies reporting fraudulent info had mail bounce back from XXXX with invalid address when I tried to contact them. 

XXXXXXXX XXXX - false medical debts on XXXX XXXX XXXX ( Equifax deleted it ) XXXX XXXX & XXXX XXXX- duplicate secured card accounts that were closed in XX/XX/2017 with amounts due to me incorrectly reported as chargeoff instead of closed with XXXX balance. I also never received my refund. This in on all three agencies XXXX XXXX - secured card account that was closed in XX/XX/2017 with amounts due to me incorrectly reported as chargeoff instead of closed with XXXX balance. I also never received my refund. This in on XXXX and Equifax ( TU deleted it ) XXXX court - this false information is still being reported even though I requested proof of their source XXXX times via mail. No response from XXXX XXXX XXXX. Equifax deleted it. 

Fraudulent inquiries from XXXX and XXXX that only appear on XXXX
Consumer complaint received 2022-03-18
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: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX account # XXXX XXXX XXXX XXXXXXXX are in violation of The Fair Credit Reporting Act and has violated my rights. 
15 U.S.C 1681 section 602 A states I have a right to privacy.

15 U.S.C 1681 section 604 A states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-03-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (MO)

XXXX XXXX contacted me XX/XX/XXXX about a debt I do not owe to XXXX XXXX they purchased. I contacted my current insurance to fax a letter saying I cancelled properly. I thought it was settled. XX/XX/XXXX they contacted me to collect the same debt that was taken care of my insurance company.
Consumer complaint received 2022-03-18
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Weltman, Weinberg & Reis Co., L.P.A. (PA)

This company is attempting to collect debt that has been XXXX through Chapter XXXX Bankruptcy in XXXX of XXXX  Over the years, this debt has been purchased and sold by numerous debt collection agencies. This nonsense has got to stop. This company is well aware of the XXXX status of this debt and they are well aware of the expired statute of limitations for debt collection. The purchasing, selling and repurchasing of debts XXXX in Bankruptcy should not be permitted. The debt they are attempting to collect was XXXX XXXX  years ago! I should not have to continue dealing with this nonsense from these collection agencies.
Consumer complaint received 2022-03-18
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. (NY)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im depressed now
Consumer complaint received 2022-03-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now
Consumer complaint received 2022-03-18
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: Experian Information Solutions Inc. (IL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-03-18
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. (IL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2019-01-01
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NM)

Mr. Cooper Mortgage Company 1. Paid off {$35000.00} in two payments at end of XX/XX/2018 and beginning of XX/XX/2018. 
2. Requested company adjust payment due on Adjustable Rate Mortgage Loan on future payments reflecting reduced principal on XX/XX/18, XX/XX/18, and XX/XX/18. 
3. Company sent information saying issue will be resolved by XX/XX/18. It was not. 
4. Mortgage company has continued to withdraw the incorrect payment for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
Consumer complaint received 2023-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My credit score dropped XXXX points today. I want a clear explanation and resolution as to why my credit score would have dropped significantly! All the remarks reflect a new credit card was opened with XXXX XXXX  on XX/XX/23 which should have only dropped my score XXXX points. XXXX is not only in violation of my rights. They are misusing their own systems of credit reporting. This issue needs to be fixed immediately! I have called and submitting a dispute on their website in regards to this and have yet to recieve any update
Consumer complaint received 2023-06-27
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. (CA)

XXXX XXXX XX/XX/XXXX Capital XXXX XX/XX/XXXX Capital XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-03-18
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Santander Consumer USA Holdings Inc. (AZ)

An individual stating their name to be XXXX XXXX XXXX stated for me to call XXXX reference XXXX. When i called a lady stated the name of the business to be XXXX XXXX XXXX, XXXX Florida. They stated i had an debt to Santander auto finance. Last fall another individual stated the same thing so i called Santander and they stated they do not have a debt with me and if they did they transferred me to another collection and when i called them they did not have a collection in my name or social security. 

This individual when i told her that Santander stated there was no debt she said will i don't think so and just hung up on me. 

During the call she wanted to argue with me.
Consumer complaint received 2022-03-18
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)

After submitting a indenty theft report and having a police report with all that was necessary. Experain failed and refused to remove the fruadglent account from my credit files which goes against The laws set in place According to the Fair Credit Reporting Act. 

XXXX XXXX XXXX  XXXX Account number XXXX
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX this complaint. The stuff on my credit report is wrong 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.
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I paid my student loan off in XXXX, with XXXX college. The credit report never had XXXX college on it until I stated what college I attend now all of a sudden I owe them to. XXXX  college is a closed school due to fraudulent loan accounts. Its other schools on my report that I have no idea of and never attended, also theres a energy bill that is part of the identity theft case in XXXX I have tried to explain it but no one listens. Its address that I never lived at on my report, its a last name that is not mines attached to my first name. I have tried for years to despite the errors but they are forcing me to accept them. Please stop racism together we have had enough
Consumer complaint received 2022-03-18
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 these accounts has violated my rights. Please see below : XXXX MORTGAGE XXXX XXXX, I was never 30 days late in XX/XX/XXXX or XX/XX/XXXX. The other bureaus have me listed as, Paying on time. 

XXXX XXXX XXXX, I was never late XX/XX/XXXX, XX/XX/XXXX. The other bureuas have me listed as paying on time. 

XXXX XXXX  XXXX, I was never late XX/XX/XXXX, XX/XX/XXXX. The other bureuas have me listed as paying on time. 

XXXX XXXX XXXX, I was never late XX/XX/XXXX. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-03-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc (NJ)

On XX/XX/2021 I purchased two monitors through XXXX. financed by affirm.com. 

On XX/XX/XXXX, both monitors started having an issue with the USB C connection, and the next day they stopped working completely. 

At the time I was still on the return window, however, XXXX refused to return since I did not have the original box and original packaging. 

They have rerouted me to go through XXXX manufacture warranty. 

From XX/XX/XXXX till XX/XX/XXXX I have been back and forth with XXXX XXXX, returning monitors and sending monitors back. I don't have them anymore with me and after speaking with XXXX again today they don't think it is a warranty issue. 

At the end of the day, I am paying for something I don't have and was delivered to me defective. 

XXXX points out to Affirm if I have an issue, Affirm points out to XXXX, XXXX points out to XXXX and XXXX points out defective unit sales at XXXX. 

And I am paying for something I don't have and something that does not work from the time of delivery. 

Affirm refuses to do any dispute and is not willing to hear me out or help me address this issue.
Consumer complaint received 2022-08-26
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: CITIBANK, N.A. (GA)

In accordance with the fair credit Reporting Act XXXX Account # XXXX has violated my rights. 

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 a account without my written instructions.

15 USC 16668 : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-03-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (IL)

I had opened a Paypal account. I was sent money from a company for a sale. ( I am a private citizen, not a business ). They put a hold on releasing the money because they wanted to verify the item was delivered. The purchaser gave them that information to confirm that the items were received. I was assured by Paypal that they would release the funds. They would not release them and asked me for 4 other types of personal information. I called back again and they still would not release the funds. I asked for a supervisor and they disconnected the call. I looked on XXXX at their webpage, and there are hundreds of complaints from people saying that Paypal is blocking funds for no reason. This needs to stop. I need those funds emergently and they are acting like big brother. If they want to take this responsibilty to the world, they need to change and fullfill what their promises are.
Consumer complaint received 2017-09-09
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. (CA)

Equifax caused my personal information, including sensitive information like my social security number to be improperly stored and accessed by unauthorized personnel. The fact that the executives sold their stock before disclosing this data breach speaks to the lack of ethical leadership within the company.
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS (CA)

I have reached out ( made several attempts ) to reach the team at LexisNexis and XXXX regarding ordering a certified copy of my birth certificate. As requested on their website, I uploaded a picture of my current driver 's license in order to verify my identity. I placed the birth certificate order using the name that matches my driver 's license and the name that matches the credit card I inputted on their site to cover the processing fee. -- Because I knew that there was a name variation on my original birth certificate, I included the name given AT BIRTH on the order form. -- My order was REDFLAGGED due to the name variation, and I have been bombarded with non-stop interrogations by XXXX 's XXXX XXXX regarding the name variation. The name that I currently use has been in use for over 50 years -- from elementary through college. It is consistent with the name shown on my social security card and is consistent with all other governmental agencies. XXXX, a division of LexisNexis should not be used as an extension of any local or state agency 's records processing. Their Customer Service team is abusive and offensive to the public at large.