davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-04
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. (MN)

I have requested from XXXX/XXXX XXXX XXXX XXXX paperwork for what is being reported, seems excessive amount of lates have been reported. It doesn't seem consistent information is being reported. Even after requesting investigations nothing was done.
Consumer complaint received 2019-05-04
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 (FL)

I am a Federal Government employee that has student loans with FedLoan due to the Public Service Loan Forgiveness Program ( PSLF  ). On XX/XX/XXXX FedLoan approved my Revised Pay As You Earn ( REPAYE ) plan and increased my monthly payment from {$630.00} to {$1200.00}. For their evaluation of my REPAYE application FedLoan solely used my XXXX tax return provided by the IRS and did not consider any other information. I am married and we file taxes jointly. We have XXXX dependent child that is XXXX years old. I do not understand how FedLoan doubled the monthly payment amount because in XXXX we earned {$3700.00} more in wages than in XXXX. Our personal circumstances are the same than in XXXX so I do not understand how FedLoan reached this amount. I need my REPAYE monthly amount re-considered because it is shocking that my payment doubled from {$630.00} to {$1200.00} for just earning {$3700.00} more in one year. 
Additionally, the REPAYE evaluation does not take into consideration that my wife and me have additional student loan payments ; that our mortgage payment increased from {$2000.00} to {$2400.00} ( {$320.00} more ) in XX/XX/XXXX ; that we have to pay {$860.00} in daycare a month ; that we paid {$2400.00} in our XXXX taxes ; that we have to pay utilities, car insurance, health insurance, etc. Respectfully I need FedLoan to consider the totality of the obligations my family has to pay a month to recalculate my REPAYE plan.
Consumer complaint received 2018-09-04
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Campus Student Funding, LLC (IL)

My loan is through XXXX XXXX XXXX however in order to make payments you pay to XXXX XXXXXXXX XXXX. I am having trouble afford the minimum payments and the company will not lower payments, set up a better payment plan, nor change the due date. I contacted XXXX XXXX XXXX since they are the loan servicer, however you must leave a voicemail. For several weeks I have been contacting the company to see if they will extend my forbirence however I never receive a call back. I also emailed the XXXX XXXX XXXX however they have yet to contact me. My payment is due on the XXXX and Ive been trying to find a solution for my payment issue for weeks now without any help. XXXX XXXX XXXX says they can not help me at all and that if payment is late I will receive late fees, which Im trying to avoid. I have never missed one payment to this company so I dont have a deliquient account. If you can help me please contact me
Consumer complaint received 2019-05-04
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Advance America, Cash Advance Centers, Inc. (CA)

On XX/XX/2019, I sent an email to Advance America. In that email, I stipulated that it is against FDCPA to  make continuous calls or emails. I am confirming that the small debt of {$310.00} is owed however, I have been placed on medical leave from my place of employment. I told them that I would contact them at some point this week and let them know when I can make a payment. They still have repeatedly called, and also they have attempted to deduct the amount that I owe from my checking account which is not getting any funds deposited because I am on medical XXXX from work so I'm not receiving a payroll check, however, money is being deposited to an SSI debit card. They have chosen to ignore that fact and I have had subsequent returned check fees currently totaling approximately {$60.00}. I can not afford for this process to keep happening as I mentioned I am on XXXX.
Consumer complaint received 2018-09-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Weinberg Mediation Group LLC (FL)

A received a threatening " robocall '' today at XXXX from XXXX XXXX XXXX XXXX. Here is what the robocall said ( paraphrasing ) : This is a final courtesy call from the Weinberg mediation group. Before reporting that you've been uncooperative in the investigation against you. If we do not hear from either yourself or your legal representation today. We will be left with no recourse other than to report your non-compliance in this issue to the proper jurisdiction. Our office number is XXXX. 

The problem is, i do not owe anyone for past debts or any unpaid debt other than what is on my credit report that i pay timely. 

I googled this number and several complaints have been noted from calls all over the US asking you to call another number. This is a SCAM.
Consumer complaint received 2018-09-04
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (OR)

For years I have not been able to make enough money to live and pay on my loans. I graduated with approximately $ XXXX debt. Over the years what started with an occasional re-deferment went from once per year to 6 months and then to every 3 mo. 's. The charges have accumulated with the debt to over $ XXXX total now. 

There is no program to help get rid of all the charges that Navient and XXXX before gave me. Numerous times through the years I would ask about consolidation of the several loans and was ignored when I asked them to send a paper consolidation application. 

This debt is not the debt that I when to school with. What can be done about this additional amount now?
Consumer complaint received 2018-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

unauthorized inquiries on my XXXX  report. I have not authorized these inquiries and I have contacted each one of them to tell them so. I got no results.I want these items deleted from my report. 
1.Capital One XX/XX/XXXX 2.XXXX XX/XX/XXXX
Consumer complaint received 2022-07-10
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. (MD)

On XXXX, I sent a letter regarding inaccurate and unknown things on my credit report to the day over 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these terms within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-05-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (FL)

3rd complaint regarding this company. We are still trying to get our money from this company to continue repairs on our house. There is only approx. $ XXXX left to disperse and they will not use common sense in releasing this. A total of $ XXXX was paid by insurance. This only covers about 60 % of the repairs. This is why we need all the money sent to us. What is the benefit of nickel and diming us over the final $ XXXX. The house is obviously being repaired, as 2 inspections and hundreds of photos and invoices have shown this. The first complaint a response was received stating Should you have any questions regarding this matter, please contact me at XXXX-XXXX-XXXX. Sincerely, XXXX XXXX XXXX XXXX Executive Resolution Analyst Enclosures. We have attempted to contact this person with little to no success. Return calls are promised but not returned. A supervisor will call in 24-48hrs. Never happens. We have wasted dozens of hours trying to deal with these people and its like trying to reason with a first grader. Stop making the process so difficult, act professional, and at a minimum follow through with your promises. Give us our XXXX money!
Consumer complaint received 2018-05-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Bread Financial Holdings, Inc. (MD)

On XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX reported fraudulent information to XXXX, XXXX, and XXXX credit bureaus regarding an account they claimed to have purchased from XXXX XXXX. XXXX XXXX   and XXXX XXXX XXXX committed fraudulent acts and deceptive trade practices against me by 1. selling the closed account to XXXX XXXX XXXX , after the account was discharged through bankruptcy in XXXX ) 2. XXXX XXXX XXXX reported the account as being opened in XXXX, which is also false. The mentioned account was closed and discharged in XXXX.
Consumer complaint received 2022-07-25
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)

n accordance with the Fair Credit Reporting act XXXX XXXX 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 2019-05-04
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: Experian Information Solutions Inc. (IL)

I have disputed with Experian over 15 times about a negative XXXX XXXX XXXX XXXX that's on my credit report in every dispute I requested a written sign contract with my signature on it they have failed to produce the original signed contract I don't understand why they keep violating my rights under there Fair credit reporting act I want this account deleted ASAP do to them violating my rights and the Fair reporting act
Consumer complaint received 2021-12-07
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. (AL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX {$360.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX {$0.00}
Consumer complaint received 2018-09-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NC)

AFFIDAVIT OF DENIAL STATE OF NORTH CAROLINA COUNTY OF XXXX I specifically deny that these alleged account/debt and/or account stated/implied and/or from XXXX, XXXX, XXXX XXXX, XXXX, XXXX  XXXX XXXX obligation is certainly mine, if these alleged account/debt and/or account stated/implied is certainly mine, I deny that this account/debt and/or account stated/implied and/or obligated to is authentic and supported by VERIFIABLE and AUTHENTICATED ( under penalty of perjury ) loan level documentation under the FDCPA 1692g ( a, b ). 
I affirm this alleged account/debt was established without my knowledge, prior consent nor expressed permission. I acknowledge that these alleged account/debt and/or account stated/implied and/or obligations is false, misleading and deceptive ( 1692e ( 2 ) ( 10 ) ) in nature & that there is no VERIFIABLE & AUTHENTICATED contractual agreement nor obligation specifically with DEBT COLLECTOR or any of its Affiliates nor have I ever engaged in any business with DEBT COLLECTOR in the past. These alleged account/debt and/or account stated/implied is FRAUDULENT upon my good name and has caused me injury for which I will seek redress, compensation and settlement. Each company named above has failed to respond with valid proof of claim. They are now in default and compensation and settlement is due. PLEASE COMPLETE ATTACHED AFFIDAVIT TO SUPPORT YOUR CLAIMS UNDER PENALTIES OF PERJURY or agree to pay the settlement order in the next 3 days. 

The following inquiries were NOT authorized and need to be deleted immediately. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX Dated this XX/XX/XXXX Without Prejudice By : XXXX, XXXX XXXX XXXX for XXXX XXXX XXXX All Rights Reserved
Consumer complaint received 2018-09-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Two letters sent to Transunion on XX/XX/17 requesting investigation that written consent was granted for the 2 inquires in question. 

Follow-up several times via phone, with no resolution. Simply just requesting that Transunion remove the following inquiries from my credit report. 

See attached documents XXXX XXXX XXXX
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to dispute several negative items listed on my credit report. I recently obtained a copy of my credit report and found multiple inaccuracies that are negatively impacting my credit score. Below, I have provided details regarding each item and the reasons for my dispute. 

XXXX XXXX Account Number : XXXX Please remove the incorrect late payments from this account, as you can not report this account as updated when nothing has been changed. The same incorrect information is still being reported and nothing has been updated. 

XXXX XXXX XXXX XXXX Account Number : XXXX Please remove the incorrect late payments from this account, as you can not report this account as updated when nothing has been changed. The same incorrect information is still being reported and nothing has been updated. 

XXXX. Unknown Accounts : I have never had any business relationship with the following companies, and there is no way these accounts belong to me. Please delete these unknown accounts from my credit report immediately : 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 Inaccurate Information : There is no record in my possession that the following accounts belong to me. You must remove this inaccurate information from my credit report without any delay : 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 Please investigate these matters promptly and remove any inaccurate information from my credit report. I kindly request a written confirmation of the completion of these actions. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-09-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX has received our authorization multiple times. Today, XX/XX/18, XXXX  is refusing to speak to us, claiming there is litigation on the file. There is NO litigation on the file. There is an executor, and the executor wants to do a short sale. 


THIS IS NOT ACCEPTABLE. 

CC : XXXX XXXX, California Attorney General
Consumer complaint received 2022-07-08
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. (PA)

In accordance with the Fair Credit Reporting act, the below accounts have 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 an account without my written instructions. 

XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXXXXXX Account Number XXXX XXXX Account Number XXXX
Consumer complaint received 2022-03-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I sent them my letters a few times first letter in XX/XX/XXXX they completely ignored my letters then i sent over letters XX/XX/XXXX and still no reply on theses items i disputed on my report its like they are just ignoring me.It hurts when i have to spend time and money to write letters to them for them to not give a reply on the status of this and they were suppose to get back to me within 30 days. please help.
Consumer complaint received 2018-09-04
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. (OH)

Hello, I have contacted XXXX ( XXXX XXXX ) for my XXXX account repeatedly. There is a 30-60 day  late payment noted on my credit reports for XX/XX/2018. This account has never been 30 days late for the entirety that it has been opened. Payment is rendered every month by automatic payment from my checking month. 

I have asked XXXX, XXXX and Experian to investigate the transaction and remove late payment from my credit report, but they have refused to do so. Instead, I get a general and copied and pasted response to my investigation requests. 

This notation is not correct and I would like the credit reports to do their due diligence and investigate and remove the notation from my reports.
Consumer complaint received 2022-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION (NV)

I had a charge back from XXXX XXXX XXXX XXXX did the refund on XX/XX/2022 for an original charge on the XXXX of XXXX. I got worried after a while since the credit was not showing up on my account. I did some research and contacted XXXX XXXX 's legal department and they sent me the paperwork that they had in fact done the credit for and told me to call the Navy Federal credit union. I called Navy Federal and they did not have the credit. While I was walking to the gym, I came up with the idea that maybe the credit was put on the old card and it was not transferred to the new card so I called Navy Federal and asked them to do research and my hunch was correct. I was so XXXX off that I wanted to talk to a supervisor. The supervisor told me they were aware of the mistake on my account but the exact mistake was just caught by me first. Really? If you knew of the mistake, why set on it for 3 weeks. If you knew of a mistake, as a bank why not do more research and get it corrected before the customer had to spend a lot of time correcting it. The supervisor lied to me. Navy Federal and the supervisor had no clue of the mistake. They simply lied to lessen the severity of the mistake that the bank did. Why not just say that a mistake had occurred and it would be corrected as soon as possible and they would look into how it will not happen in the future. All calls were legally recorded by XXXX XXXX so there would be no more lies on Navy Federal 's point.
Consumer complaint received 2018-09-04
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. (IL)

Hello, In XX/XX/XXXX I made a payment that was past the due date, and XXXX, my mortgage servicing company, reported to all three of the credit beaureaus as 30 days late. 

I was not 30 days late according to their own statements which they sent me and I have attached.The statements themselves say, and I circled this " include a late payment of {$100.00} if paid after XX/XX/XXXX ''. Meaning I am not late till after this date. My payment was not 30 days late, but marked as such. 

This 30 day late has significantly hurt my credit score and my ability to refinance my home. 

I attempted writing XXXX  a letter, which is what they suggested I do after I called them and have not received a response. 

Lastly, XXXX took over the servicing of my account from XXXX XXXX XXXX at the end of XXXX just before this incident. This was a poor transition and I never received any information from XXXX instructing how payments and late payments would be handled going forward.
Consumer complaint received 2018-09-04
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. (IL)

Hello, In XX/XX/XXXX I made a payment that was past the due date, and XXXX, my mortgage servicing company, reported to all three of the credit beaureaus as 30 days late. 

I was not 30 days late according to their own statements which they sent me and I have attached.The statements themselves say, and I circled this " include a late payment of {$100.00} if paid after XX/XX/XXXX ''. Meaning I am not late till after this date. My payment was not 30 days late, but marked as such. 

This 30 day late has significantly hurt my credit score and my ability to refinance my home. 

I attempted writing XXXX  a letter, which is what they suggested I do after I called them and have not received a response. 

Lastly, XXXX took over the servicing of my account from XXXX XXXX XXXX at the end of XX/XX/XXXX just before this incident. This was a poor transition and I never received any information from XXXX instructing how payments and late payments would be handled going forward.