davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX. XXXX ) XXXX Balance : {$270.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX* Balance:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX, IL XXXX
Consumer complaint received 2022-10-11
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: MOHELA (WV)

XX/XX/XXXX - XXXX - disputed XX/XX/XXXX with CFPB and requested account to be removed as it is a violation of 15 USC 1681 section 602 A, my right to privacy, 15 USC 1681 section 604 A section 2, a consumer reporting agency can not furnish an account with my written instructions and 15 USC 1681c. ( a ) ( 5 ) section, no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes... I am requesting to have the account deleted from my credit report
Consumer complaint received 2023-10-12
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. (NY)

I had a starting loan balance of {$160000.00}, serviced by Aidvantage. I made a total of {$130000.00} of payments in XXXX and XXXX of XXXX ( {$25000.00} on XX/XX/XXXX, {$25000.00} on XX/XX/XXXX, {$25000.00} on XX/XX/XXXX, {$25000.00} on XX/XX/XXXX, and {$30000.00} on XX/XX/XXXX ), bringing my total student loan balance to {$60000.00}. I then made an additional payment of {$300.00} on XX/XX/XXXX, bringing my balance to {$60000.00}. 

I then received communication from Aidvantage that my loan was consolidated, and that my new balance is {$160000.00}, even though it should be {$60000.00}. Thus, Aidvantage knowingly falsified my new student loan balance and pocketed {$130000.00}, with the plan to collect additional interest on this falsified balance. In addition, Aidvantage did not even acknowledge my last payment of {$300.00} on XX/XX/XXXX. 

I have proof of every single payment made through my personal bank.
Consumer complaint received 2021-11-17
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MA)

I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
Consumer complaint received 2021-11-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/2021, I logged into my checking account to XX/XX/XXXX cash to my boyfriend ; to my surprise my account showed I was negative {$130.00}. Upon completion of my account review I seen were Wells Fargo Bank ( my banking institution ) took out my account without any prior knowledge not one but two withdrawals the first in the amount of {$690.00} and then a second withdrawal in the amount of {$310.00} a total amount of {$1000.00}, documenting the account negative stimulus credit reversal. Now Ive never contacted Wells Fargo Bank asking or requesting for any type of credit to be applied to my account. Any and every fee charged to my account I have paid never not once have I asked for any such credit. I have never been made aware Wells Fargo was making credits to my account nor have I ever given permission for them to do so without my knowledge is wrong. Furthermore, for them to not only go into my account and take all my money to leave my account negative with out any notification is ridiculous. Ive never been so angry, frustrated, and violated in my life. I entrusted this banking institution with my money for them to not give me option of what I would like to have done is ludicrous. When I contacted the back to inquire what happen and to request my money be returned, I was greeted by the most rudest agents, who told me I requested the credit to my account and they took the money back, I quickly responded requesting proof, knowing they would not be able to provide that proof, I was told corespondents was mailed to my home, and I can show Ive never received that correspondence, prior to the money being removed from my account.
Consumer complaint received 2020-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TOYOTA MOTOR CREDIT CORPORATION (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX & XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2021-11-17
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN HONDA FINANCE CORP (FL)

This complaint is against American Honda Finance Corporation. This company has been unfair and negligent. 

Ive leased numerous leases with Honda for my company. When I turned in my last lease in XXXX, the finance manager told me that auto pay would be setup on my new Honda as well. I didnt think much of making payment arrangements after that. 

Since this is a company car, my company account was handed the contract and they were responsible to make the payments. They received no notices and did not have the presence of mind to follow up with Honda. 

Attached is a letter from the accountant stating he was responsible for making the payments on behalf of the company. Due to this, I am requesting that Honda to remove the XXXX late payment from the credit report and send the notice to all credit bureaus. 

Account information : XXXX  XXXX, ac # XXXX XXXX Thank you.
Consumer complaint received 2021-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

I am highly upset the credit bureaus have not responded back to me about my investigation. 
This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.
Consumer complaint received 2021-08-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (MI)

After Repossession of my vehicle, there was 33 state Predatory Lending Class Action Settlement against Santander Consumer USA. I Purchased my vechile in XXXX of XXXX and my car repossession happened in XXXX of XXXX. So after several attempts to get this account removed from my credit profile santandar failed to respond and stated my name was not in the system. XXXX of XXXX according to the agreement, my debt is to be forgiven and account status should be removed from my credit report. because of what was agreed to in the settlement. This has now become a violation and need to be corrected within the next 30 days of receipt of this complaint. This Account Is Also reporting different balance due, different reporting dates. which is violation of the FCRA
Consumer complaint received 2021-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: NAVY FEDERAL CREDIT UNION (GA)

Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.
Consumer complaint received 2021-04-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (MI)

My husband died in XXXX. He never owned a mobile phone nor did he ever have an account with XXXX. I have moved since my husband 's death, hold title to my residence in my name alone and have a private telephone number in my name. I recently received a telephone call asking to speak to my deceased husband. I informed the caller of his death. The caller asked for a copy of his death certificate. I asked the caller who they were and what business they worked with. They replied, " ERC. '' Since I had never heard of this company I stated that I would not send a copy of his death certificate and discontinued the conversation. I then received a letter from ERC, dated XX/XX/XXXX, that stated that my husband owed XXXX {$1100.00} but that the account could be settled for {$780.00}. To my knowledge no Judgment has ever been entered against my dead husband. I am not aware of any attempt by XXXX to inform my deceased husband that he owed money on an account with them. The letter went on to state that objection to its content had to be submitted by the end of the month.
Consumer complaint received 2020-02-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: GVA Holdings, LLC (LA)

I got into a loan agreement with Riverbend Finance , LLC on XX/XX/2019. I am now in a financial hardship and can not make the payments. I have tried contacting this company through email to try and re-negotiate the loan to lower interest rates and payments but they are refusing to work with me. I borrowed {$600.00}. I was charged an interest rate of 648.75 % with 7 payments of {$240.00}. So far I have paid {$740.00} towards this loan. If I continue on with the current payments, I will have to pay a total of {$1700.00} on a {$600.00} loan.
Consumer complaint received 2020-02-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (GA)

I currently have a fixed rate 30 year mortgage at 5.75 % that originated XX/XX/XXXX. Ditech XXXX serviced this mortgage loan beginning in XXXX until XX/XX/XXXX. It went into bankruptcy and the loan was purchased by XXXX XXXX and they began servicing the loan in XXXX, XXXX. In XXXX my total annual interest paid to DiTech was {$8200.00} or {$680.00} average per month. In XXXX my total annual interest paid to DiTech was {$7200.00} or {$600.00} average per month. For the 3 months in XXXX that DiTech serviced the loan, interest paid was {$1900.00} or {$640.00} average per month. This represents a {$36.00} average increase per month over XXXX 's average of {$600.00} on a fixed rate mortgage. 

DiTech failed to provide a closing statement when the loan was sold to XXXX XXXX in XXXX. They have declared bankruptcy and there are no records on their website regarding my loan. The loan balance also does not reflect the additional payments made towards principal during the first 3 years of the loan from XXXX to XXXX.
Consumer complaint received 2021-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (KY)

On XXXX and XXXX I sent a certified letter to Experian advising them they have US Dept of Education listed 5 separate times on my credit report and they all have the same account number except for one of them. This is really affecting my credit. It is my understanding if an account is negative, it should only be listed one time, not 4 times. After sending them 2 separate letters, they still have not fixed the issue. I have attached the letters that I have sent them. 

Thank you
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-10-11
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. (FL)

In accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX Date of inquiry XX/XX/2020 XXXX Date XXXX inquiry XX/XX/2020
Consumer complaint received 2020-02-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: GVA Holdings, LLC (LA)

I got into a loan agreement with Green Trust Cash on XX/XX/2019. I am now in a financial hardship and can not make the payments. I have tried contacting this company through email to try and re-negotiate the loan to lower interest rates and payments but they are refusing to work with me. I borrowed {$500.00}. I was charged an interest rate of 474.9736 % with 10 payments of {$170.00}. So far I have paid {$1100.00} towards this loan. If I continue on with the current payments, I will have to pay a total of {$1700.00} on a {$500.00} loan.
Consumer complaint received 2021-11-17
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. (TX)

Equifax is reporting the following 5 fraudulent accounts that are result of identity theft : 1. XXXX XXXX ( Opened XXXX, Balance {$10000.00} ), XXXX XXXX XXXX XXXX ( Opened XXXX, Balance {$1600.00} ), XXXX XXXX XXXXXXXX XXXX Opened XXXX, Balance {$900.00} ), XXXX XXXX XXXX XXXX ( Opened XXXX, Balance {$100.00} ), XXXX XXXX XXXX ( Opened XXXX, Balance {$2300.00} ). To this day Equifax have not respond to my disputes. Attached are the last 2 disputes I sent them about this fraudulent accounts.
Consumer complaint received 2020-02-17
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (OH)

I would like Credit Acceptance to provide a document from XXXX XXXX XXXX that confirms the sale amount of a car that was repossessed on an account with my name listed on it. This is needed to ensure the balance on the account is correct.
Consumer complaint received 2020-02-17
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: TOLEDO FINANCE CORPORATION (TX)

Someone stole my personal information and later used that information to open the following acct. in my name : Toledo Finance Opened :  XX/XX/19 Amt. XXXX I have provided them with my Police report and FTC ID Theft Report.
Consumer complaint received 2020-02-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (IL)

I am in XXXX school seeking an in-school deferment for payment of XXXX student loans. My lender, XXXX/MOHELA, refuses to accept enrollment verification from the XXXX XXXX XXXX  or the XXXX XXXX XXXX XXXX XXXX as support for an application for in-school deferment. XXXX/MOHELA requires that a representative from my current school fill out and sign part of the deferment application to verify enrollment. However, my school contracts with the XXXX XXXX XXXX to be the sole provider of enrollment certifications and, therefore, will not fill out the XXXX/MOHELA form because of contractual obligations. The registrar at my school has dealt with my lender on multiple occasions and has told me that XXXX/MOHELA will begin to accept the XXXX and XXXX   data as proof of enrollment. XXXX/MOHELA still refuses to accept my deferment application without a signature from a school official. 

Apparently, private lenders should be able to view enrollment, and my lender has in fact viewed my enrollment, on the XXXX   website. My school and the XXXX XXXX XXXX notified XXXX/MOHELA of my enrollment each and every semester. This has been an ongoing issue for two years. 

Initially, XXXX/MOHELA told me that XXXX and XXXX   data is only acceptable to public lenders, not private. After the registrar 's office at my school told my lender that what they told me is incorrect, XXXX/MOHELA now denies my in school deferment application simply because they do not accept verification from third parties. The form of verification I provide is acceptable and proves that I am currently enrolled full-time and in good academic standing, however, it is just internal policy at XXXX/MOHELA to refuse such verification. The repeated denial of in-school deferment has led to increased payments, late payments, and negative reporting to credit agencies.
Consumer complaint received 2020-02-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Cottonwood Financial Ltd. (TX)

Received a call from an attempt to locate from XXXX XXXX is the name that popped up on the caller ID. Stated it was concerning the Cash Store about a loan obtained in XX/XX/2013. The state of Texas has a 4 year debt collection limit and it is way past that. They threatened to take legal action. Wanted an out of court settlement. I stated to the caller about the debt collection time limit and hung up. I did not verify any information. Last payment on this was made XX/XX/2013 in the amount of XXXX. I paid them a total of XXXX.
Consumer complaint received 2020-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

I was contacted by XXXX XXXX on XX/XX/XXXX at XXXX XXXX   regarding payment for the account ending in XXXX. The representative stated that if I paid {$45.00}, another payment wouldn't be due for another 60 days and that a XXXX XXXX rep would be contacting me to receive payment. At the beginning of XX/XX/XXXX, I received a credit alert that the XXXX XXXX account was past due for 30 days. I called them and asked how it could be past due and the first rep said she didn't understand how it was past due so she transferred me to a second tier rep who said that they would get back with me. Throughout the duration of the call which lasted about 28 minutes, I was placed on hold multiple times as the reps did not understand why the account was reported as past due. I asked them if they could review the phone call from XX/XX/XXXX and they agreed to do so. I knew if they reviewed the call, they would see what that particular rep told me and they would remove the negative credit reporting. On XX/XX/XXXX, at approximately XXXX XXXX  I received a call from another XXXX  XXXX rep by the name of XXXX ( rep ID number XXXX ) who said that there was " no error '' on their part. I asked her if she reviewed the call and she stated that she did. I asked if I could hear the call to point out what was said and she said that they did not allow customers to listen to their own calls per company policy. I asked for a copy of that particular policy and she stated that she could not provide a copy of the policy per another " company policy ''. I would like to have the negative reporting removed because I was told that another payment would not be due for 60 days. XXXX XXXX also would not provide any real answer as to why the rep said that and why they refused to produce the " company policy '' they referenced in the XX/XX/XXXX phone call.