davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-18
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I sent letters XX/XX/2020 regarding incorrect and unknown things on my credit report. It's been well over 30days later and I have not received a response yet. I feel like I'm being completely taken advantage of and being ignored of my disputes at this point. Section 611 a states that a failure to investigate these items with 30 days is a reason to remove the items from my credit report immediately. It's been over 30 days so they should be deleted immediately or I will file for litigation due to the stress that you have caused me and my family. My information also could have gotten into the wrong hands due to the XXXX data breach. Please fix this immediately.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Please note that I am the author of this complaint and all attachments. I have attached a copy of my driver 's license and my social security card to verify my identity The credit bureaus have violated 15 USC 1681i and 15 USC 1681e. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. All I have been getting are frivolous, eOscar automated responses. No real investigation was conducted after my initial dispute. 

The furnishers are in violation of 15 USC 1681s-2b " ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. '' After my dispute of the accuracy of these accounts, the furnishers falsely verified the reporting to be accurate and complete instead of deleting the account from my credit report. This is will non-compliance and I now have a claim under the FCRA with civil liability under 15 US Code 1681n
Consumer complaint received 2023-01-30
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. (PA)

I XXXX XXXX, Consumer and natural person am a victim of Identity theft. XXXX, Transunion and XXXX have used and furnished my consumer report without my consent, authorization or written instruction. They allowed companies to share my nonpublic personal information without consulting me and used that information to furnish. Congress makes it clear that the consumer has a RIGHT TO PRIVACY! XXXX, Transunion and XXXX have violated my federally protected right to privacy by failing to meet the needs of congress by ensuring that the exercise their grave responsibility with respect of the confidentiality of my personal information. The Fair Credit Reporting Act was intended to ensure that consumer reporting agencies exercise their responsibility with fairness, impartiality, and respect to the CONSUMERS RIGHT TO PRIVACY! XXXX, Transunion and XXXX
Consumer complaint received 2023-01-25
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (IL)

To whom it may concern.

My loan was sold to Rushmore loan management services since XX/XX/2022. I started sending paperwork to them explaining that I am a veteran rated at 100 % VA XXXX XXXX  and that I qualify for the Illinois homestead exemption for veterans here in XXXX XXXX. The county honor the taxes but i was told that i need to get the refund from the mortgage company. Rushmore does not want to acknowledge this information or if they are they are not in compliance with this law because they continue to refuse to tell me how much and when i can expect to receive the exemption. They failed to pay my property taxes for the year 2022 and are now keeping from earned benefits. They acknowledge they did not pay the taxes otherwise the county would have sent the check but because no payment from them the county can not do anything but tell me to get the refund from Rushmore. I been fighting them since XXXX for the refund and every time is the same excuse '' they just finished working on it and can't tell me how much or when i will be getting the check ''. I appreciate your attention to this matter in advance and i thank you for your time. 
Best regards XXXX XXXX
Consumer complaint received 2019-06-14
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Immediate Credit Recovery (CA)

Immediate Credit Recovery, Inc. wants me to pay {$860.00} per month as a repayment to my student loan. I have been making regular payments for over one year, and have paid off many previous students loans in good faith in the past. I returned to school to earn my XXXX XXXX XXXX and these loans were supposed to be deferred, but were mistakenly not deferred so I was sent into default. 

I am a good person, who has every intention of repaying my student loans ; has demonstrated a good repayment history over the past 12 months and would prefer to make direct payments to the US Department of Education. I can not afford the {$860.00} monthly plan this debt collector put me on. They are unreasonable and are unwilling to work with me. REF account # XXXX Please help me resolve this so I can pay the US Dept of Education directly. I appreciate your support. Thank you, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-02
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: Experian Information Solutions Inc. (MO)

I am submitting this CFPB complaint today to follow up the previous CFPB Complaint I previously submitted on XX/XX/XXXX. Under the Fair Credit Reporting Act section 605b, The Credit reporting agencies are required to remove any accounts and information that resulted due to identity theft. I have been sending dispute letters addressed to the Credit Bureaus but the Credit Bureaus have failed to respond to my letters let alone remove the disputed fraudulent items from my Credit Report. The most recent letter I sent was dated XX/XX/XXXX and I am still waiting for the Credit Bureaus to respond to my letters. By the provisions of the FCRA section 605b, I am requesting that the Credit Bureaus remove the disputed items completely from my Credit Report as soon as possible ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-06-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Tower Loan of Mississippi, Inc. (MS)

Tower Loans has been a horrible company to work with from the beginning. They repeatedly use harassing and strong arm tactics for collections. Including numerous calls a day, and calls to other people about your loans before you are a day late.Tower Loan in MS has now pulled hard inquiries on my credit without authorization. This loan was charged off and account closed in XX/XX/XXXX and they still make hard inquiries every couple of months. 

Inquiry details Twr Ln-sys Inquiry from XX/XX/XXXX Finance This inquiry could stay on your report until XX/XX/XXXX. 
Twr Ln-sys Inquiry from XX/XX/XXXX Finance Twr Ln-sys Inquiry from XX/XX/XXXX Finance Twr Ln-sys Inquiry from XX/XX/XXXX Finance Twr Ln-sys Inquiry from XX/XX/XXXX Finance Twr Ln-sys Inquiry from XX/XX/XXXX Finance Twr Ln-sys Inquiry from XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2019-06-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (FL)

I have disputed this account, because it is inaccurate, I have also requested validation of the debt. In communication with the XXXX   XXXX and XXXX, I made the process, having no results and return this account as verified, formally request, debt validation, instead XXXX   XXXX  responds with a letter, to send you a copy of my report credit and underlining or mark the errors, is not only that, is to request verification with documents that carry my signature and did not respond to it. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
Consumer complaint received 2019-06-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: DISCOVER BANK (NY)

The imposters claiming to be a police officer reached out to me through a XXXX police department number and said that my SSN has been used to open illegal accounts. The fake police officer then " transferred '' me to an alleged member of the FBI, whose fake name is XXXX XXXX. The member of the FBI said that my SSN has been involved in various suspicious activities including money laundering, drug trafficking, stolen vehicles, etc. He said that my bank account has been mixed in with the accounts of the people who have stolen my identity and told me to wire transfer money out of my CD account and into a given account number so that they can " help sort through the bad accounts. '' I did as he asked for my Discover account and scheduled a wire transfer of {$15000.00} at XXXX ET on XX/XX/2019. 

On the Discover wire transfer confirmation, it clearly said that for the wire transfer to send today, I must call for a verbal confirmation by XXXX. However, since I made the transfer at XXXX ET, by the time I granted the verbal confirmation it was already past XXXX ET, so the payment shouldn't have sent. Later when I realized that this has been a scam, I reached out to Discover, I was told that the {$15000.00} has already been transferred out of my account, and they can only put out a recall for the transfer. 

As of right now, I have a case opened with Discover for the scam as well as an official police case number. The Discover customer service agents have been extremely helpful and closed out the bank account that was jeopardized, and I am hoping that Discover can successfully make a recall from the imposters. However, I do think that the way the bank allowed a transaction made right at the cut off time and authorized after the cut off to go through on the same day is misleading to the customers. If the policy were actually as listed on the confirmation page, the {$15000.00} would still be a pending transaction when I called the company and this could have been salvaged with damages. Based on this experience, I don't think Discover has actually protected my account as what they said they would do.
Consumer complaint received 2019-06-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

Our loan was sold to Specialized Loan Serving from XXXX XXXX. We made payments just as before normally but there was extra money due and I couldn't figure out why. I called them and they said something to the point of since the loan was just sold to them, the escrow accounts are just being figured out and that extra money I owe for escrows should be worked out soon. Not to worry. They were very nice about it. Then after a few months, we got a late charge saying we hadn't made the proper payment. I called back saying that I had previously contacted them about the escrow money and that I was waiting for it all to get worked out. They were very rude this time and acted like they had no idea what I was talking about. They said that the escrows were refigured and short so we had to pay the difference. OK, that would have been no problem, but they increased the payment ( to cover escrow shortage ) and we were dealing with evacuations and relocation. So we were never late just short on the regular amount of payment since it is automatically paid the same amount every month. 

Now, we are looking into our credit scores and for the first time see that they have marked us as late on our credit report. I'm enclosing all the screenshots for you to see and I can supply whatever else you would like me to. In the middle of all of this, we were affected by the fires and a mudslide and had to evacuate our home. I asked if these disasters affected my payment at all and they said they didn't know and that they would not look into it. I told them that it wasn't a good decision to take into account the disasters, again very rude about it. I was quite taken back by this since I had received a letter stating that if there were any problems due to the disasters to let them know. 

I also want to add that I receive many emails from Specialized Loan Serving and not once did I receive an email about my payment being higher than normal. When I asked them why they couldn't have let me know about my increased higher payment, they said they are not authorized to send statement payment information - just all other information. 

They charged us not only penalties on our escrow shortages ( that were recalculated after the sale ) but also negative credit report marks. Thanks for looking into this it. Thank you, XXXX and XXXX XXXX
Consumer complaint received 2019-06-14
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: Experian Information Solutions Inc. (GA)

Experian is reporting an account on my credit file that does not belong to me and the account is as a result of identity theft. Experian is reporting the following account fraudulently : XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type INSTALLMENT Date Opened XX/XX/XXXX Account Status Open Payment Status Current Status Updated XX/XX/XXXX Usage - Balance {$19000.00} Balance Updated XX/XX/XXXX Original Balance Monthly Payment {$780.00} Past Due Amount Highest Balance Terms 62 Months Responsibility Individual Your Statement Comments This is not my account and is on my credit file as a result of identity theft. I have contacted XXXX XXXX in Experian 's Consumer Affairs department to file a dispute of fraud but he has never called me back. I have sent 3 certified letters to Experian demanding they remove this fraudulent account from my credit file and they have refused to even respond to me. I have provided a police report to Experian regarding this and other fraudulent accounts being opened in my name without my permission as a result of identity theft and they have not responded to me in over 3 months. This is not my account and I am attaching my recent police report to this complaintl
Consumer complaint received 2019-06-14
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: BARCLAYS BANK DELAWARE (CA)

There are 3 hard inquiries showing on my credit report. These were done on XX/XX/2019. The names are XXXX/XXXX XXXX FL, Brclybankde XXXX DE and XXXX XXXX XXXX VA. I did NOT apply for credit with these 3 companies. Should I be concerned with identity theft?
Consumer complaint received 2019-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY (NE)

American express failed to honor targeted upgrade offer for XXXX $ statement credit after XXXX minimum spend and keep your current interest rate when upgrading from blue cash everyday to blue cash preffered credit card. 

I upgraded the card on or around XX/XX/XXXX. 
My interest rate at the time was 9.99 % per a promotional rate applied in XX/XX/XXXX. 

I received no email confirmation that I had upgrade my card or made any changes to my account. 

I then received the new card inthe mail with terms and conditions stating a new rate of 24.99 %. 

I met the minimum spend of {$2000.00}. 
The XXXX $ statment credit has not been honored as of XX/XX/XXXX. 

I called in to inquire about the missing promotions on XX/XX/XXXX @ XXXX. I spoke with a representative who said she could not honor the upgrade offer. I spoke to a manager who said they would submit a case that would take 8 weeks and later said he would submit a case to investigate that would take 2 weeks. 

I called back to inquire about the case on XX/XX/XXXX at XXXX XXXX. I spoke with a representative who said the investigation had determined no offer or promotion had been applied to my card at the time of upgrade and that he would not honor the promotion. He transfered me to a manager. the manager stated she would submit another case and call me back by XX/XX/XXXX. She did not call back. 

I called american express on XX/XX/XXXX at XXXX and spoke with a representative who stated that I had never had the 9.99 % rate on my card. This is false. He stated he would not honor the upgrade offer. 

I spoke to his manager who stated the same. I stated I wanted to cancel my card and was transfered to retention, I spoke with an agent in retention. He stated that he would not honor the offer because of the results of the case submited several weeks prior. He then stated he could not see promotions from XXXX, that he hadn't worked there then and had just started. 

American Express failed to send me any confirmation documents of changes to my account. 
American express failed to honor a targeted off they made to me that I accepted online through my account home.
Consumer complaint received 2023-10-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. ()

I had my loans transferred to Nelnet from Great Lakes ( not by choice ) and the process has been incredibly frustrating. In XXXX I applied to be switched to the new SAVE plan. It took Nelnet months to deal with that request. On XX/XX/2023 I received a letter from Nelnet saying that because I had applied for the SAVE plan I had been taken off of my IDR plan and entered into a Standard Repayment plan, because I needed to make a one time payment in order to be considered to be switched to the SAVE plan. It looks like Nelnet then switched my auto debit amount to be {$5.00}. The letter Nelnet sent me was incredibly confusing and contradictory. It said I had requested to make a Reduced Payment Forbearance payment rather than a Standard Repayment one time payment, I didn't request anything in fact, but now my account shows Standard Repayment. The letter also said " The one-time Reduced Payment Forbearance payment amount you chose is BLANK. The payment is due on BLANK. '' leaving both the amount and due date blank. I have tried calling and the call center seems entirely shut off, I just get a robot saying " This party is not taking calls right now. '' I sent in an online support request on XX/XX/XXXX asking for clarification and on XX/XX/XXXX Nelnet responded to my email saying " You do need to complete exit counseling from Income Base Plan before we can start the processing for Save Plan. Unfortunately, you would need to speak to a specialist to follow through with the exit counseling, therefore you would need to call within the next 2 business days. They can be reached by calling XXXX. Your outstanding interest will capitalize and add to your principal balance. This may result in higher monthly payments once your account is in a repayment status. '' It is absolutely not true that I need to re-do exit counseling, this is incorrect information Nelnet provided me as a consumer. I called the Call Center immediately, waited on hold for over 3 hours and when I finally spoke to a representative she said I did not need to do any exit counseling, that my request to switch to SAVE was still processing ( months after it was made ), and that they would agree to put me in administrative forbearance ( as they should have originally without me requesting ). However, my account is still showing as " Standard Repayment, '' not SAVE and not an administrative forbearance. I have lost all faith that Nelnet is telling me the truth or managing my account properly.
Consumer complaint received 2019-06-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

I have disputed this account, because it is inaccurate, I have also requested validation of the debt. In communication with the XXXX XXXX  and XXXX, I made the process, having no results and return this account as verified, formally request, debt validation, instead XXXX XXXX responds with a letter, to send you a copy of my report credit and underlining or mark the errors, is not only that, is to request verification with documents that carry my signature and did not respond to it. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.