davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (WA)

SPS is trying to foreclose on our home after I was laid off due to covid and we got behind on our payments and applied and received a loan modification. We are able to make our payments at the regular amount but they are insisting that we owe over 10 thousand in late and other fees. 
temization of Amount Required to Cure Cure Date : XX/XX/2022 AMOUNT REQUIRED AS OF XX/XX/2022 TO CURE THE DEFAULT {$10000.00} Payment due for XX/XX/2022 {$4500.00} Total amount due includes Escrow Payments ( Taxes/Insurance ) of {$730.00} Accrued Late Charges {$5700.00} Advances made on Customers behalf {$15.00} Escrow advance balance ( Deficit ) {$0.00} Total Amount Outstanding {$10000.00} Unapplied balance {$0.00} Dear Customer ( XXXX ) : The mortgage loan on your property is in default as a result of your failure to make payments as required by the Note and Deed of Trust or Mortgage ( Security Instrument ). We have previously sent you letters and communications regarding this default in an attempt to resolve this matter. This letter provides information about the default and what rights you have to cure the default. Select Portfolio Servicing , Inc. ( SPS ) services your mortgage loan and has been instructed on behalf of the holder of the promissory note to pursue remedies under the Security Instrument unless you take action to cure the default before the Cure Date shown below. The Noteholder on your Loan is XXXX XXXX XXXX XXXX, as Trustee for the XXXX Mortgage Loan Trust XXXX, XXXX Mortgage XXXX Certificates, XXXX XXXX ( c/o SPS, XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX ). 
This letter provides notice of the following : The Default You have failed to make payments under the Note and Security Instrument as shown below. This letter is a formal demand for payment. 
Action Required to Cure the Default To cure this default, you must pay the Amount Required to Cure together with paym
Consumer complaint received 2020-01-30
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. (CA)

I sent a letter to the credit bureau to investigate my credit report where there is one account showing which is not mine. It has been over 30 days since I sent the letter but I still have not been notified of the investigation status or results. The agency has not complied with their 30 days notice of completing a investigation.
Consumer complaint received 2018-12-11
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: General Motors Financial Company, Inc. (CA)

Here 's the complaint letter I sent the the dealership XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX C/O XXXX XXXX XXXX This past XX/XX/XXXX my wife and I made a deal with your sales team on a new XXXX XXXX XXXX XXXX lease. Part of that deal was taking our XXXX XXXX as a lease return. Another part was putting down more than {$7000.00} to pay off the excess miles. At that time your XXXX dealership across the street inspected the XXXX XXXX XXXX and determined it didn't have any wear and tear above and beyond " normal ''. The deal was the down payment would cover the lease return and excess mileage and anything else involving the new XXXX XXXX lease. Much to the surprise of my wife and I was receiving a bill almost 5 months later ( XX/XX/XXXX ) from GM financial for {$2600.00} for excess miles and other than normal wear and tear. Once your, so I was told, " authorized '' XXXX dealership across the street made the inspection of both the miles and the condition of the XXXX and a contract was written up this should have been a done deal. Instead we now have a bill for almost {$3000.00} and GM threatening to ding our credit if this is not paid. Please investigate this matter further so I know how to proceed with legal, media, government or contacting watchdog groups. FYI ... GM has offered a settlement of {$920.00} but that needs to be done soon. A copy of the bill is attached to this email. Thank you. 

XXXX..this is the supervisor at GM financial I spoke to and her ID number. 
XXXX XXXX She refuses to send me a copy of the itemized bill for excess charges claiming sending it once is all they are legally allowed.
Consumer complaint received 2018-12-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY (NH)

On XX/XX/18, someone was able to hack into my computer through remote access, getting through our firewall and passwords and install ransom ware on the network. We now know they were on my computer prior to this date. 
On a Tuesday XX/XX/18 I noticed and reported a fraudulent check for XXXX was sent via Bill-pay out of my account to a person ( XXXX ) in  XXXX, FL. The check was endorsed and deposited on Friday XX/XX/18 into an account at XXXX XXXX in Florida. I never used the Bill-pay service or set it up, but the on-line criminal was able to set all of this up. 
On the same day XX/XX/18, a second fraudulent check for XXXX was issued by TD Bank to the same individual who received it and endorsed it on XX/XX/18. This 2nd check was overdrawn on the account by {$10000.00}, since the 1st check cashed on the XXXX, yet TD still sent out this second check. It was presented at XXXX XXXX and was not cashed as the account was locked on XX/XX/18 after the fraud activity was reported. The fact that this check was written and sent when there was insufficient funds in the account is one of many issues that does not make any sense. 
I learned that this on-line thief set up a new profile within the bank as me. Then they linked a couple of my accounts to this new profile. Absolutely no security was in place that could allow this to happen. I never received any notifications that I was changing user name or passwords. No notifications of setting up Bill-pay service or a new Payee. Never received notifications for anything. 
The issue was reported to the local police, Detective XXXX of XXXX Police. 
When this was discovered and reported, bank personnel explained the process of reporting the fraud and it can take 10 days to get you money returned. 
On XX/XX/18 I was told that this will take up to 90 days and that I would hopefully get back any money still left in the account in Florida. I was told to sit and be patient. 
Today I received a call and learned that I was only going to get back XXXX of the XXXX stolen. This is totally unacceptable to me. This is a real lot of money that I borrowed from TD and still paying interest on today. 
TD Bank was negligent in protecting my money. A cyber intruder was allowed to setup a new profile, link my bank accounts on the phone or online? From experience, I would be required to go to a branch, provide my license, just to start the conversations. Changing Profile and password is a big deal anywhere in today 's world. After five weeks, I am given nothing that would indicate that they TD followed proper  security procedures and protocol. 
TD Fraud was notified on XX/XX/18 and did not contact XXXX  XXXX for weeks. I do not know the exact date but it took way too long when pursuing issues where time is of the essence. A more reasonable reaction may have recovered all of the money.
Consumer complaint received 2024-02-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (LA)

I will have XXXX eligible payments that count toward PSLF in XX/XX/XXXX and XX/XX/XXXX for my student loans. Since payments resumed in XXXX, I have made payments each time I have been billed and I enrolled in auto debit for my account, in which payments would be debited on the XXXX of the month. On auto-debit, my account was debited for XX/XX/XXXX, but for XX/XX/XXXX, my account was not auto-debited. I received no communication regarding why it suddenly skipped the XXXX payment. The auto-debit resumed on the regular debit date of XX/XX/XXXX. 
On XX/XX/XXXX, I received an email from MOHELA stating that since my XXXX billing statement was sent less than 21 days prior to my payment due date, my account would be put into administrative forbearance from XX/XX/XXXX, XXXX XXXX, XXXX, which meant that no payment would be required for this time frame and that these months would count towards PSLF. On my payment tracker for MOHELA it states that XX/XX/XXXX is an ineligible payment period. I have emailed MOHELA multiple times to have this fixed and I have also called into MOHELA. The wait time for this call was XXXX hours and the representative stated that I should give it some time for the payment tracker to be adjusted. I do not have any confidence that they will fix this issue. I did not ask to be put on forbearance, if I knew that my payment would not be debited for some reason, I would have made a payment, but MOHELA does not communicate effectively. I would just like to have the month of XX/XX/XXXX changed to an eligible payment as it stated in my email on XX/XX/XXXX and have my payment tracker fixed.
Consumer complaint received 2022-05-04
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. (MI)

I filled a dispute with Experian and was unable to get XXXXXXXX XXXX # XXXX removed from my credit report 1.This account was included in my bankruptcy 2.The account was paid in full before I filled bankruptcy I would like to have this account Removed Or be paid {$1000.00} for having my right to privacy violated because I did not give consent to have my information shared
Consumer complaint received 2020-12-14
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: TRUIST FINANCIAL CORPORATION (FL)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On, SUNTRUST BANK DBA LI add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2019, XXXX XXXX- XXXX add a hard inquiry on my credit report per XXXX . 
On XXXX XXXX, 2019, XXXX XXXX- XXXX add a hard inquiry on my credit report per XXXX . 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (PA)

This is the third complaint I am filing against Midland Credit Management. This company continues to report an alleged debt that I have not validated. On XX/XX/2022 Midland Credit Management and I had a court hearing. Midland failed to provide any documents proving their claim and also failed to appear in court. Due to this, the complaint was withdrawn. 

Following the complaint withdrawal, Midland continues to report this alleged debt, which they have no proof of to all credit reporting agencies. This is a violation of 15 USC 1692j ( a ). 

I have made several attempts to obtain any proof of claim from Midland Credit Management via phone and certified mail. Midland has not provided and documents.
Consumer complaint received 2022-05-04
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. (SC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

DEPT OF EDXXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF EDXXXX XXXX
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

n accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 2020-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Dear CFPB, XXXX XX/XX/2020 i had sent certified mail with return to XXXX, XXXX and TransUnion about some of the inaccurate personal information on my consumer report. 
These above named information contain errors so i requested that they be removed from my credit. It's been almost two months now and i haven't received a reply back from the bureaus about my request. Also these erroneous information remain on my consumer file hurting my ability to obtain credit. Please find attached copies that sustain my complaint. i have attached them for your review. 
thank you.
Consumer complaint received 2018-10-09
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. (FL)

Due to Hurricane Irma in XX/XX/XXXX, I was placed into the disaster relief forbearance program, which would suspend my mortgage payments and prevent any delinquent reporting to the credit bureaus. Even though I was enrolled in this program, XXXX is reporting my mortgage payment late to the tune of 180+ days past due. 
I was initially told that the forbearance would last approximately 3 months, and per the verbiage on their website : XXXX has a special, no paperwork, Hurricane Relief Program, to help manage the payments that will come due at the end the 90 day period. If you choose to opt-in to the program, you will be provided a single point of contact to help establish a repayment plan and review additional options ( including financial hardship relief, and many loan modification options that could potentially include term extensions, interest rate adjustments, and payment reductions. 

At the end of the 3 months, I went online to make my normal mortgage payment. When I was unable to do so online, I contacted customer support. They told me to hold off making any payments since my file was still being reviewed. Shortly after, I started to receive letters stating I was past due on my mortgage, along with literature on how to avoid foreclosure. Concerned, I  contacted XXXX, and was told the letters were automatically generated, and my file was still in underwriting. When I inquired what the issue was, they stated it had to do with interest rates being higher than on my original loan, but assured me that the loan was not being reported late, nor was I in any danger of foreclosure. 

Between XXXX XXXX, ( contrary to the no paperwork verbiage listed on XXXX website ), I was asked to submit a hardship letter along with copies of pay statements. I immediately sent them the requested documents. Shortly after I received a packet of papers to fill out for the application, and mailed via XXXX. 

It was not until XXXX XXXX until I finally had received my approval letter for a disaster standalone partial claim, and paperwork stating that my next payment would not be due until XX/XX/XXXX. Upon checking my credit report, I noticed that the loan was being reported delinquent by 180+ days. I contacted XXXX twice to alert them to the fact I was in the disaster relief program, and that my modification had just been approved so reporting the payments as late was incorrect. XXXX replied they would not resolve this issue, stating the credit reporting moratorium was lifted in XXXX. 

As of XX/XX/XXXX, my loan is current. The disaster partial claim has paid for the months missed due to the storm, so I can not fathom why this is being reported as late. This process took longer than expected and I should not be penalized for matters beyond my control. 

Thank you very much for your assistance on this.
Consumer complaint received 2022-05-04
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: EQUIFAX, INC. (IL)

I sent a letter in XX/XX/XXXX to request removal of an account that should have been removed last year in XXXX. I submitted the letter from the creditor proving that this account should be removed from my credit report along with my request. 

It is now XXXX and its still reporting on my credit report This is a violation of my FCRA rights and it needs to be removed. 

Also Ive included a copy of my XXXX Credit Report and XXXX credit report - Equifax NOT ONLY changes information that is AGAIN incorrect but disregards the letter from the creditor and doesn't remove it. Also in another violation because you can not have a payment history on a charged off account. They are reporting this account completely inaccurate.
Consumer complaint received 2020-12-14
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (AR)

In XX/XX/2020 department of education/ Mel net reported I was 90 days late. The month prior I was on time. I was still in grace period during the time they reported I was late. I have never been late on this account due to me never having to make a payment. How can I be on time in XX/XX/2020 then you report that Im 90 days late in XX/XX/2020 this is incorrect
Consumer complaint received 2024-02-28
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. (GA)

I am writing to express my extreme dissatisfaction with the inaccuracies found on my recent investigation of my credit report. The discovery of unverifiable, invalidated, and inaccurate items has caused severe distress and emotional hardship.

It is imperative to note that under the Fair Credit Reporting Act, all information reported on my credit profile must be 100 % accurate. However, the items in question appear to be in direct violation of this requirement, as outlined in 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ).

Your agency has a legal obligation to ensure the accuracy of the information it reports, yet it is evident that this standard has not been met in my case. I demand immediate action to rectify these discrepancies and bring my credit report into compliance with the law.

Enclosed with this letter are copies of all correspondence previously sent regarding these matters for your reference and review.

I expect a thorough investigation and prompt resolution of this dispute. Failure to address these issues satisfactorily will leave me no choice but to pursue further legal action.
Consumer complaint received 2023-04-10
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. (NY)

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