davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (WV)

My XX/XX/XXXX, request to have my XXXX of XXXX and XXXX of XXXX income recertifications for the XXXX repayment plan to be disregarded has yet to be addressed by my student loan servicer MOHELA. MOHELAs response to my previous complaint with the Better Business Bureau did not address my concerns. 

I most recently submitted my annual recertification to my former loan servicer, XXXX, on XX/XX/XXXX. My current loan servicer is MOHELA. I recently discovered that I was not required to recertify my income until XXXX months after the payment pause ends, as per https : XXXX. My recertifications will result in me having to make higher payments than what would be required had I not recertified. My payments were {$270.00} when the pandemic began in XXXX of XXXX. I was led to believe that I was required to recertify my income by a letter dated XX/XX/XXXX, from XXXX. 

My XXXX of XXXX recertification resulted in an increase of monthly payments to {$270.00}, as per a XX/XX/XXXX, letter from XXXX. It is my understanding that I was not legally required to recertify my income under the XX/XX/XXXX, XXXX XXXX at the time the XX/XX/XXXX, letter was issued by XXXX. The XX/XX/XXXX, letter states in part that I am required to recertify my income annually regardless of whether I am in a deferment or forbearance notwithstanding the XX/XX/XXXX, CARES Act. 

I also received notifications through the " XXXX '' icon at the relevant times when I was logged into my dashboard on XXXX indicating that I was still required to submit my annual recertification for the XXXX plan. A letter from XXXX dated XX/XX/XXXX, indicates that my monthly payments will now be {$310.00} under the XXXX repayment plan. This letter was generated after I submitted my recertification on XX/XX/XXXX, based on the misleading language used in the XX/XX/XXXX, letter from XXXX and the bell icon notifications on studentaid.gov. 

I would have never recertified my income had I known that I was not required to do so. I have detrimentally relied on the misleading information I was provided. By recertifying my income, I have lost at least six months of payments at the {$270.00} pre-pandemic amount. That clearly calculates to {$42.00} per month, or a total loss of at least {$250.00}. XXXX XXXX informed me that it is unable to assist me inasmuch as it is no longer my loan servicer. Although MOHELA responded to the complaint I filed with the Better Business Bureau, that response ignored my request. Moreover, MOHELA has yet to respond to the XX/XX/XXXX, complaint I filed with XXXX XXXX XXXX concerning this issue. It should also be noted that I have previously sent MOHELA several emails concerning this issue. I have also reached out to MOHELA via social media to no avail.
Consumer complaint received 2023-03-18
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: EQUIFAX, INC. (AR)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX Balance : {$61000.00} XXXX XXXX XXXX Balance : {$9900.00} XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$0.00}. I do not agree with your findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors/agencies that are reporting this information on my report and because of this I am now asking you for more information regarding these particular account in question.
Consumer complaint received 2022-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (IA)

My bank paid off the card and I called to close the account and asked would they take off the late fee they said they would and I closed the account. I got a text message saying my payment was due so I called them. They said I owed {$16.00} dollars they said the charge came in after the bank paid them off. I told them I would call back the next week to pay them. When I called the representative a man said that the account was closed and he would take care of this. The next week I get a text saying my payment was late. I called again and was told I owed {$12.00}. I told the representative that I had been told I owed {$16.00} and it would be taken care of because the account was already close. He said ok, the next week I get text messages that Im late I call again Im told this time I owed {$72.00}. I told her if they record the calls like they say then they will hear what the previous representatives told me. She was rude and said the late fee was not taken off and I owed them the money I was not getting anywhere so I told them I was going to report them.
Consumer complaint received 2022-12-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is the several time I've complained about being a victim of identity theft. The XXXX credit bureaus must remove any item that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XX/XX/XXXX
Consumer complaint received 2021-04-18
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: NAVY FEDERAL CREDIT UNION (VA)

This account of {$1000.00} has been closed as of XX/XX/2012 recorded as paid in full. I have requested multiple times of a removal from my credit report due to it being closed and not reported since it has been 8 years and 8 months and it still shows closed, paid in full on my account
Consumer complaint received 2022-11-18
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. (PA)

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

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

15 U.S.C. 1681 section 2 ; it also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2020-02-09
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. (IL)

XX/XX/XXXX FRAUDULENT ACCOUNT ACTIVITY XXXX XXXX XXXX XXXX XXXX {$500.00} XX/XX/XXXX FRAUDULENT ACCOUNT ACTIVITY XXXX XXXX XXXX XXXX {$12000.00} XX/XX/XXXX FRAUDULENT ACCOUNT ACTIVITY XXXX XXXX XXXX XXXX {$8800.00} XX/XX/XXXX FRAUDULENT ACCOUNT ACTIVITY XXXX XXXX XXXX XXXX {$820.00} XX/XX/XXXX FRAUDULENT ACCOUNT ACTIVITY XXXX XXXX {$950.00} XX/XX/XXXX FRAUDULENT ACCOUNT ACTIVITY XXXX {$2000.00} XX/XX/XXXX FRAUDULENT ACCOUNT ACTIVITY XXXX XXXX   {$340.00} XX/XX/XXXX FRAUDULENT ACCOUNT ACTIVITY XXXX XXXX   XXXX {$940.00}
Consumer complaint received 2023-03-19
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: WELLS FARGO & COMPANY (CT)

Wells Fargo Bank Act. XXXX XXXXXXXX This account is using my Information improperly wells Fargo Bank wont answer my request. 
90 Days Late XXXX Opened {$300.00} Credit Limit {$0.00} Balance Individual Account Revolving Account Type Closed Condition XXXX Date Reported {$0.00} Payment Remarks : Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Late Payments XXXX 5 Late Payments XXXX 0 Late Payments Compare this account across all bureaus. 
Show Comparison Creditor Contact : XXXX XXXX XXXX, XXXX XXXX, IA XXXX | ( XXXX ) XXXX
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for late closed, charge off and collections. I have tried numerous times to have this situation resolved with no resolutions. 
Inaccurate Addresses : 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 2022-10-20
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: General Motors Financial Company, Inc. (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

We've talked to the bank & they've agreed to remove the account. BUT XXXX has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So XXXX feels they're above the letter of the law & will not explain their policy... 
GM FINANCIAL XXXX Date Opened : XX/XX/2019 Balance : {$0.00}
Consumer complaint received 2020-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LD Holdings Group, LLC (CO)

I found out that my previous mortgage company had reported me delinquent 60 days on my mortgage loan with Loan Depot. 

In XXXX I applied for their Forbearance Plan, due to being laid off for COVID 19. I received a letter dated XX/XX/20 stating we were accepted for the forbearance plan. This plan began XX/XX/20 through XX/XX/20. We sold the home in XXXX and the loan was paid off XX/XX/20. 

When calling Loan Depot I got transferred around 3 different time to 3 different Customer Service Representatives and spent an hour trying to get this removed. All 3 agreed that this shouldn't have happened, but none of them were able to remove this or get me to someone who could. When I was sent to the Forbearance Dept I received a never ending loop that only guided me to their website or email address and was not given any option to speak to a person. I did asked to speak to a Supervisor, but was told since they were working remotely they were unable!
Consumer complaint received 2021-04-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (AZ)

I started a refinance of my home located at XXXX XXXX XXXX, XXXX Az with NewRez LLC who services my mortgage currently at their request by email in XX/XX/XXXX. The first loan application loan # XXXX went inactive because NewRez system inactivated the loan because they didn't do anything with it. I had paid XXXX dollars for an appraisal that was never done. The second loan was started in XX/XX/XXXX loan # XXXX and NewRez took more money for an appraisal out of my Bank account again. After threats of criminal charges being files against the loan Officer XXXX XXXX, the money for the second appraisal was returned to my account. The appraisal for the property was finally done late XX/XX/XXXX and filed with NewRez on XX/XX/XXXX. The loan did not proceed. In the mean time I was served with a Divorce Action from my wife. NewRez was informed of the court papers fully. Nothing happened with the loan even with numerous phone calls and emails to the business. I filled a complaint with the XXXX XXXX XXXX in XXXX  DC. Then NewRez gave me a conditional approval with a request to have a copy of the Final Divorce Decree. The Decree was supplied on XX/XX/XXXX, and additional financial documents they requested. A loan processor was assigned identified as XXXX XXXX who emailed me him being assigned as the loan processor. I have made many attempts to call and email him. He never answers his phone or answers emails. I was contacted by XXXX XXXX on XX/XX/XXXX, by her calling my cell phone. She told me she was working with Mr. XXXX and she wanted additional financial documents that have been supplied numerous times before. She wanted current documents and I supplied them via the internet. Still no action on the loan application even though it had been approved with conditions that had been met. On XX/XX/XXXX I emailed Ms XXXX and asked why the loan was not proceeding. She emailed me back to contact the Processor Mr. XXXX with any concerns. I emailed him on XX/XX/XXXX and still no answer. Mr. XXXX has never responded to emails or phone calls. I do not know how to get this company to finish this refinance and get the loan documents to me to sign. They are avoiding any actions in regards to this refinance and there is no reason it should not proceed, I check their web site with my account daily to see if they have any requests or actions and nothing is seen. I need help getting this to proceed, This refinance has cost me time and money with little or no actions of this mortgage company. Can anything be done.
Consumer complaint received 2015-12-17
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Delta Outsource Group, Inc. (GA)

Received XXXX calls in succession from Delta Outsource Group on my personal cell number, and my office number, I informed the caller to remove XXXX numbers form their call list and to submit all requests to me in writing on XXXX. 

The calls have continued on a daily basis, I have reminded the caller not to dial my numbers. 

on XXXX Delta Outsource Group began ringing both lines simultaneously. I finally blocked their number ) on my cell number.
Consumer complaint received 2020-12-22
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (CO)

On XXXX XX/XX/2020, my mortgage at XXXX XXXX XXXX XXXX was purchased by AmeriHome Mortgage. The balance and escrow accounts were not transferred correctly, and AmeriHome Mortgage now shows that I owe approximately {$60000.00} more on my mortgage than what I had paid to XXXX XXXX XXXX XXXX. The escrow account reflects a balance roughly {$3100.00} less than what I paid in to XXXX XXXX XXXX XXXX. It appears that additional principal and escrow payments that we made ( above and beyond our monthly mortgage payment ) to XXXX XXXX XXXX XXXX, did not get transferred over to AmeriHome Mortgage. I am getting the runaround from both banks, and no one seems interested in aggressively tackling the issue.
Consumer complaint received 2016-11-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (GA)

My contract with XXXX was completed and I did not want to renew my service with them because of the rate increase. I sent the equipment back. Later I was charge {$250.00}. because I did not renew with them, I spoke with this company on numerous occasions to have this error corrected, but was not able to get this resolved. I filed a complaint with FTC about this issue and the numerous different collection agencies that keep reporting it to the credit reporting agencies. It will be removed when I file the compliant then another debt collection agency will file in the credit system. This is an on going cycle and I am requesting to have debt error removed permanently from my credit. As a responsible consumer I feel this a bulling tactic from this organization ( XXXX XXXX XXXX ) when they can not get their way.
Consumer complaint received 2022-11-17
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: EQUIFAX, INC. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXXXXXX XXXX .... Balance : {$17000.00}
Consumer complaint received 2021-04-18
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc. (AR)

I, XXXX XXXX, received a letter from Chrysler Capital on XX/XX/2021, stating that I allegedly owe an amount of {$33000.00}. Within this letter, several consumer violations were found. On XX/XX/2021, I sent a debt validation letter and also a cease and desist letter pursuant to 15 USC 1692c ( c ). Chrysler Capital has still sent recovery trucks to and around my residence, which is a form of communication, which is a direct violation of my rights as a federally protected consumer.
Consumer complaint received 2020-12-22
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: REGIONS FINANCIAL CORPORATION (TN)

Got a personal loan through regions bank to build my credit and was set up to auto withdrawal from my checking account in the amount of {$15.00} and was not made aware that there was a hiccup in the auto withdrawal process that caused a late payment without my knowledge. Have filed a complaint with regions bank but was no help.
Consumer complaint received 2020-12-22
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: DISCOVER BANK (FL)

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019 and XX/XX/2019, DISCOVER FINANCIAL SERVI add a hard inquiry on my credit report. 
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 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/2024, I was reviewing my credit report and observed that there were new hard inquiries to my credit report that I did not authorize. I have contacted the institutions and they have zero information associated with the accounts or information to provide. I have called Transunion and they have not helped remove the hard inquiries mentioned. I demand this to be removed immediately
Consumer complaint received 2023-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

Experian have shown four incorrect addresses on my credit report. Addresses I have never had a residence at, I have sent Experian my correct current address and it was never updated and the 4 incorrect addresses deleted on my consumers report. Experian has to be mishandling information.
Consumer complaint received 2022-12-14
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. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : XXXXXXXX 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 2015-08-22
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I have not been using my account for over 6 months. When I checked the account it had occurred over {$630.00} in overdraft fees alone. There were over XXXX {$35.00} fees from where one company tried to take money out of the account.