davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: REGIONS FINANCIAL CORPORATION (MN)

We had solar panels installed in XXXX  and they used EnerBank USA to finance the installation. The loan paperwork states EnerBank will re-amortize the loan every 12 months following substantial completion of the solar installation which was in XXXX of XXXX. No actual date is included in the loan paperwork. We were promised we would be able to prepay 26 % of the loan prior to the first re-amortization resulting in a XXXX monthly payment. However, Enerbank did not notify us of the re-amoritization date so we did not get the opportunity to give them our down payment. Now they are charging us additional interest and a {$170.00} payment with no chance to put down our down payment and lower the payment until next XXXX. 

This is a deliberate, deceptive and unethical business practice. We have contacted them 3 times and placed complaints. No one even calls us back.
Consumer complaint received 2018-09-27
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (OH)

XXXX XXXX XXXX XXXX called from above number told me they were charging me with fraud and garnishment my original debt is XXXX and said I will owe XXXX if I dont pay them right now and be charged with fraud. They. Called my work spoke to my supervisor who passed on the voicemail I did notify the lady who identified herself as XXXX XXXX that the call was recorded and I was going to persue this further as her tactics sounded fraudulent and illegal and not to contact me again
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (UT)

The attached shows a history of the dates being incorrect as they have been for months. The account WAS NOT closed on a dispute date!!!! It also was not the last reported or paid off date of the dispute date! Each dispute you keep changing dates that shouldn't be changed to disputes dates, continually lowering my FICO score and causing me a lot of problems with my other creditors. The account is closed yet you keep showing it " pays as agreed '' which is also lowering my score! I filed a complaint against the CFPB with my Congressman due to their inaction and allowing an employee to steal complaintants info while they had no idea what was happening. You need to address this or risk being sued. The dates you reflect ARE NOT accurate and haven't been for almost a year. If this isn't fixed before I run my report again on XX/XX/16 then you can bet I will sue you! I'm sick of this cat and mouse game with my life!!!! I filed a XXXX XXXX XXXX complaint against the creditor, told them they would be sued too and provided similar info. FIX IT OR DELETE IT!!!!! IT'S THE LAW AND YOU'RE BREAKING IT EVERY DAY IT REMAINS INCORRECT!!!!
Consumer complaint received 2019-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

I just received notification that my credit score has decreased by 31 points!! XXXX XXXX has reported an over the limit balance on my credit report for an account I did not sign for. I do not have a contractual obligation with XXXX XXXX. I should be listed as an authorized user and that is it! I did not complete an application for credit. This is my father 's XXXX XXXX XXXX account. This is adversely affecting me! I am prepared to take legal action if necessary!
Consumer complaint received 2019-06-17
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: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I have already filed a complaint about this company and they can not obey US collection laws. They have not validated anything and keep sending me the same letter asking me for my name, address, account number. 
As you see again I received another letter asking for the same information. They can provide any kind of validation and are reporting as a collection in my credit reports. 
They have gone past 30 days to VALIDATE and can not follow the collection laws!!
Consumer complaint received 2019-06-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Recovery Systems, Ltd (TX)

To Whom it May Concern : After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you this in 2019 account # XXXX. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. If any fees are owed and documentation is provided that info should have also been forwarded to Medicare and Medicaid. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold -- validation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me.
Consumer complaint received 2019-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Have written to Transunion, XXXX and XXXX 3 times in regards to XXXX XXXX XXXX  ( as well as several other issues on my credit report ). Transunion took over 2 months to reply. Have not received much communication from XXXX  nor XXXX IN regards to XXXX XXXX, above, this item was PAID, CLOSED  and responsibility of EX Husband, as per divorce Decree, which was clearly stated and copies of court ordered Decree sent to all 3 credit reporting companies, above. ACCOUNT CLOSED IN XX/XX/2009 AND PAID. I would request this be DELETED from my credit report as it is INACCURATE
Consumer complaint received 2023-01-08
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. (TX)

In accordance with the Fair Reporting Act XXXX  Accounts 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 has violated my rights. 

15 U.S.C. 1681 Section 602 A. State 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 2019-06-17
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (CA)

I have been trying to get validation of the such debit. I have contacted the credit bureaus to send me proof that the debit is mine and still havent recieved original contracts with my signature on it that took our these loans. They have hurt my credit score and I'm not able to get credit under my name.
Consumer complaint received 2019-04-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

This is a follow up to the response from Wells Fargo to my complaint XXXX. Unfortunately, their explanation is not based in reality. I did not apply for a VA loan. I did state emphatically to the loan officer, XXXX XXXX XXXX that I wished to look into purchasing a property in Florida that would include rental income ( such as a XXXX XXXX and close on this before selling my NJ home. I told her I anticipated a period of at least several months when I would be holding both properties. The only mention of VA financing on my part was the ability to refinance the Florida property after I permantly relocated. I never filled out any application and most my contact with her was by phone. She did call at least twice saying the underwriters had questions about taxes and rental income. Soon after this she sent me a XXXX XXXX mortgage preapproval. I acted on this in good faith and contracted for a property selling for more than {$50000.00} less than the preapproval amount. The contract was sent to Wells Fargo and from that point XXXX XXXX stopped answering her phone and did not return messages. When she finally responded she told me I could not get a VA loan but could do a conventional one. Then, several days later she told me I had to sell the NJ home first. This was at total odds with what we discussed at the outset as well as throughout the process. As for the denial letter they could put any date they wanted but the fact is I did not get it until after the closing date allowing the seller to claim my deposit of {$5000.00}.
Consumer complaint received 2019-06-17
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Porfolio Recovery Associates, LLC calls multiple times per week from a different number some with local prefixes trying to collect some unknown debt. I have told them repeatedly DO NOT CALL ME, I am not paying the debt. They continue to call me, my friends, co-workers, etc. It needs to stop. I am not gon na pay them a dime, I have never done business with them, I don't even know who they are. They need to stop calling.
Consumer complaint received 2017-01-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Early Warning Services, LLC (NC)

I requested a report from Early Warning because I was not able to open a bank account when I move to XXXX. I just gave up since I could not get any assistance from anyone. I moved back to XXXX and was told by another bank to call Early Warning and not to quit. Finally I receive help from someone from Early Warning months after receiving the report explaining what I needed to do concerning the information reported to them by XXXX XXXX XXXX. I discovered that XXXX of the incident reported by XXXX XXXX XXXX had been removed and I only needed to dispute the 1st complaint listed on the report by XXXX XXXX XXXX because the 2nd issue listed by them had been remove. The third issue from XXXX is being resolve now and will be remove. But my complaint is that I did call XXXX XXXX XXXX and unfortunately did not get the name of the individual I spoke with because that told me they did not have to send me anything or prove anything. So my next step was to dispute the information place on my file by XXXX XXXX XXXX with Early Warning. I finally called them to ask why I had not heard from them and they told me they had sent the reinvestigation results to XXXX even though I explain that I no longer live in XXXX and all information should be sent to my new address in XXXX. I finally received the letter from Early Warning stating that the information file by XXXX XXXX XXXX was accurate. If I did not agree with this that I had to write a rebuttal and they would then furnish a copy of my updated report and rebuttal to all parties who have received a copy of my file during the preceding two years for employment purposes or six months for all other purposes. Then they would also provide me with a copy of the reinvestigation procedures plus contact information to gather further information. When I tried to call the number provided they told me they were not allow to discuss over the phone. What I do not understand is I sent a dispute in writing explain why I did not agree with the information place on my file by XXXX XXXX XXXX? I requested that the information be investigated and proof be provided by XXXX XXXX XXXX. Why would you send a letter to me telling me the information is accurate and if I want further information I have to request it. I need the assistance from the Bureau of Consumer Financial Protection to assist me in getting the information file by XXXX XXXX XXXX off of my file with Early Warning or proof provided by XXXX XXXX XXXX and Early Warning be provided to me that what is on my file is accurate. It is hard to trust the procedures that are required of an individual to submit through Early Warning when you hear that this company was establish by XXXX XXXX XXXX and a few other banks. Your assistance is appreciated. Thank you!
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

I am writing to bring to your attention a concerning issue regarding my credit report. Upon reviewing my credit history, I discovered several inaccuracies that have negatively impacted my credit score. It appears that there are discrepancies in the reported information, which do not reflect my financial behavior accurately. 

XXXXXXXX XXXX XXXX is reporting a Charge off on XXXX and XXXX of 2021 through Experian. There aren't any indications on this report showing missed payments of 30,60, or 90 days. Report shows good payment history and then goes right to charge off. This account was paid in full durning this same time frame. 

Furthermore, XXXX and XXXX XXXX are stating a charge off but reports reflect " none reporting '' for the entire term. 

I kindly request that you conduct a thorough investigation into these discrepancies and take the necessary steps to correct the inaccuracies promptly. 

I understand that errors can occur, but it is crucial to rectify them as soon as possible to avoid any further repercussions. I appreciate your prompt attention to this matter and your cooperation in resolving it efficiently.
Consumer complaint received 2023-07-26
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. (MO)

I hope this message finds you well. I am writing to address an ongoing issue that has persisted despite my repeated attempts to resolve it with your agency. Unfortunately, my previous filings of complaint have yielded no resolution, and the fraudulent items I reported remain unaddressed in my credit reports. I must emphasize that this is now the seventh time I am reaching out to you to request the removal of the disputed items, which were evidently the result of identity theft. As a victim of this unfortunate crime, I am determined to rectify my credit report and restore my financial integrity. I have taken all appropriate measures to address the identity theft situation, including filing an official report with the Federal Trade Commission as evidence of the unauthorized nature of these items. I firmly assert that I have not granted permission nor authorized any individual or entity to access my private and confidential records, especially the inaccurate information tarnishing my credit report. Accordingly, I demand the XXXX, XXXX and TransUnion Credit Bureaus to take immediate action in accordance with the FCRA Section 605b and promptly remove the following fraudulent items : XXXX : XXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$72.00} XXXX XXXX  XXXX Balance Owed : {$74.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/2017 Reference # : XXXX XXXX : XXXX XXXXXXXX XXXX Balance Owed XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$43000.00}  XXXXT XXXX Balance Owed : {$2200.00} TRANSUNION : XXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX XXXX XXXX Balance XXXX : {$20000.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/2017 Reference # : XXXX
Consumer complaint received 2023-07-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: AMERINATIONAL COMMUNITY SERVICES, INC. (NY)

I am writing to file a formal complaint against AMERINAT- Loan Servicing company for and XXXX  XXXX regarding their treatment of me as a borrower. I believe that AMERINAT and XXXX has engaged in several practices that are unfair, deceptive, or otherwise illegal. 
I'm a XXXX XXXX XXXX XXXX XXXX  and my medallion loan was transferred by my original lender to XXXX and Amerinat - Loan servicing company. 
Firstly, when the COVID-19 pandemic hit, the lender contacted me over the phone /email and offered a modified payment plan that allowed me to make reduced payments for a period of time. However, on XX/XX/2023, statement, I discovered that the modified payment plan has caused my loan to mature earlier than originally scheduled. The lender did not adequately inform me of the impact that the modified payment plan would have on the maturity date of my loan and did mail the XXXX bill on time. As a result of the short notice, I had to borrow money from private individuals at a high interest rate in order to pay off the loan and the closing costs. This has put me in a difficult financial position. 
Secondly, AMERINAT overcharged me for closing costs associated with my loan. I believe that these fees are excessive and do not accurately reflect the actual costs associated with the loan. I have attempted to resolve this issue. 
but have not receive a satisfactory explanation for the closing cost. I received. 
a statement that the lender had reallocated my principal and interest. 
payments for prior years in a manner that is not in line with the terms of the loan agreement. Specifically, a greater percentage of my payments was. 
reallocated towards interest than principal. This reallocation of payments is a violation of my rights as a borrower. 
I would also appreciate any assistance that the department can provide in resolving these issues with the lender. As a borrower, I expect to be treated fairly and with transparency, and I do not believe that Amerinat has lived up to these expectations. 
Thank you for your attention to this matter. I look forward to hearing back from you soon.
Consumer complaint received 2019-04-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Ad Astra Recovery Services Inc (WI)

I took out this loan in summer of 2017. I dont know dates or even the amount that I originally took out. Honestly, I took it out and I do owe it. Unfortunately, I can't pay it back and never should have taken it out. I am on Social Security XXXX now and am on a very limited income. I have no financial means to even do small payments.
Consumer complaint received 2019-04-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (ME)

I can't login to the website, or contact them by phone. They have blocked off all communication of getting the necessary information I need to complete my taxes on time. They have been this way for almost a week now.
Consumer complaint received 2023-03-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NY)

Consolidated loans in XXXX. Working for PSLF-qualifying employers since then. Reached 120 eligible payments in XX/XX/XXXX. 

Loans previously services by XXXX, transferred to Mohela in XX/XX/XXXX, with payment counts gradually updated to the account. As of XX/XX/XXXX, account reflected >120 eligible, 110 qualifying. I submitted my last ECF form on XX/XX/XXXX to certify the last 10 months of employment and apply for PSLF. On XX/XX/XXXX the form was processed, but my payment counts were not updated. I called Mohela customer service on XX/XX/XXXX and was informed that the form was processed and that my payment counts will update, but that it could take up to 30 days. She stated that I just need to " be patient '' and I will receive a letter when the payments are updated to reflect the form. On XX/XX/XXXX, I received a letter from Mohela stating that I am not eligible for PSLF. The letter stated that I had the same 110 qualifying payments. The same letter listed the end date for my current employer as XX/XX/XXXX, which is the date I submitted a prior ECF for this employer ( in other words, the XX/XX/XXXX form is still not reflected ). I called Mohela again XX/XX/XXXX and was told by the representative that the form was approved and had the correct dates, so my payments will update within the next few weeks and the loans will automatically be sent to Dept of Ed for loan discharge at that time. They stated that process will take an additional 90 business days before they get approval from Dept of Ed, then an additional 90 business days before the loans are fully forgiven and cleared from Mohela site. 

Today ( XX/XX/XXXX ) I logged in to the Mohela chat feature because I felt I should get this information in writing. This time I was connected to XXXX, who informed me that the XX/XX/XXXX ECF was actually NOT approved and that is why my payments are not showing as qualifying. She also stated " however I do not see anything wrong with the application '' and will submit the form to a supervisor for review, which will take up to 14 days to process. I asked how to follow up with the supervisors directly, and was told to wait and I will receive a notice when the review is complete. 

At this point, I have worked in public service and made income-based payments for over 10 years. I have been eligible for loan forgiveness for 5 months. I submitted appropriate documentation almost 3 full months ago to satisfy requirements for loan discharge. After taking 2 months just to process the form, they gave me false reassurance twice about the processed form that further delayed my application by an additional month ( 2 weeks since being processed with zero communication that the form was actually rejected until I logged into the chat today, an an additional 2 weeks for supervisor review ). Even the XX/XX/XXXX letter does not state that the XX/XX/XXXX form was rejected.
Consumer complaint received 2023-03-31
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)

XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX {$1800.00} Bankruptcy XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XX/XX/2020 My consumer right has been voiolated according to 15 us code 1681 ... .. inaccurate information is listed on my report which should be deleted immediately