davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (OH)

I have called and emailed MOHELA several times since my loans were forgiven in XXXX via PSLF. I made XXXX extra payments and am entitled to a refund. MOHELAs Response is that since my loans are paid and my balance is {$0.00}, they can not see my info to tell me if I will get a refund or how much. They will only say that if I am owed money, the Treasury department will issue a check and that it should be within 60 days. However, it has been over 60 days. And no one seems to be able to tell me if I will get a refund and if so how much and when.
Consumer complaint received 2023-03-21
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. (TX)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 XXXXXXXX XXXX
Consumer complaint received 2019-10-09
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NY)

The company failed to maintain the autopay amounts on my Sears credit card account. This resulted in the following fees/finance charges being accessed to my credit card account. 

I have attempted to resolved the issue with the bank directly. They have failed to properly resolve the complaint. Please refer to attached file for a complete description of issue.
Consumer complaint received 2019-10-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Law Office of Michael J. Scott, PC (PA)

This company has put a writ of execution on my bank account on XX/XX/XXXX and is holding it for 30 days. This credit card debt is 10 years old and prior to this in XXXX there was a lein that was put on my property for this debt in the amount of {$1600.00}. 
So when my bank emailed me saying my bank account was at a negative I called this company the very next day because I never received and email from my bank until the evening. Now this company is saying I owe {$3200.00}. All of a sudden not only are they trying to collect on a debt that already has a lein but also a credit card debt that is 10 years old and I am sure that my last payment made on this credit card was about 11 or 12 years ago. I have all documents required to support this. I did call them immediately and said how can you collect for a credit card debt that has a lein on my house already and also for something that is 10 years old. Of course they said they can and then they cant discuss anything until my 30 days was up.

I may be wrong but a Judgement lein is only good for 5 years on your property and this was not renewed. So this company is collecting for a debt that is 10 years old. I also believe that credit card debt in Pennsylvania has a statue of 6 years from the last payment made which I'm sure was in or around XXXX???
Consumer complaint received 2019-06-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Allied Collection Services, Inc. (Nevada) (NV)

Husband was sued by Allied collection Services inc. in the judgment amount of {$1200.00} which was taken out of his bank account so the debt was paid in full. My Job Human resources contacted me to inform me my wages would be garnished. My husband has attempted to contact Allied several times to get the issue resolved because my company 's HR rep informed me my wages would be garnished unless they are notified that the debt was satisfied. Today XX/XX/2019 he attempted to call them again and kept getting transferred from person to person. The last gentlemen he spoke to was rude and kept saying that Nevada was a community property state and that's why my check was being garnished. My husband tried explaining to him that the debt was paid in full. The gentleman then stated '' No you still owe {$70.00} '' Even though the court judgment was for {$1200.00}. he then started to badger my husband about another debt he has no knowledge of for {$990.00} and said that he needed to come down and take care of the {$70.00} bill. He also asked for my husbands bank account information. Upset I got on the pone and tried explaining he then begin to badger me asking me about a {$990.00} bill and stating they would not remove the garnishment unless we paid the {$70.00}. He also asked me for my last 4 dgits of my social and my birthday. Getting no where with him I called the attorneys office who handled my case who informed me to call and speak to the manager XXXX of allied and she would be able to assist me on getting this taken care of. I called allied and asked to speak to XXXX I kept getting the run around saying she was busy and she would call me back if she had time. XXXX finally called back and again i was asked for my social info and birthday when I would not provide that information she said she couldn't help me and to call back when I was ready to provide her with my information. This is not my debt so why cant she just take the case number and my husbands information? I contacted my HR who said they received a call stating most of the debt was satisfied except {$70.00} would be garnished from my check. I want to know why and if it is legal for them to do s since the full amount of the debt has been paid. I even went to the justice center website looked up the case and it also stated the balance due as of XX/XX/19 was XXXX {$0.00}
Consumer complaint received 2023-03-21
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. (MN)

Equifax, XXXX, XXXX are reporting that I was 30 days late in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX which is incorrect. On XX/XX/XXXX, {$1200.00} payment was made. XX/XX/XXXX there was {$1200.00} payment that was made and in XXXX there were payment of {$1300.00} on XX/XX/XXXX, {$1300.00} on XX/XX/XXXX, and {$630.00} on XX/XX/XXXX. The due date is the XXXX of every month, so these payments were not 30 days as it is being reported. 


This incorrect reporting is in violation of the FCRA as the payments were made and the proof of this has been provided to the three credit bureaus Equifax, XXXX, and XXXX. The following documentation is provided from the original creditor of the payment and therefore Equifax, XXXX, and XXXX credit reporting agencies are in violation of 15 U.S.C 1681s and 15 U.S.C 1681n as they failed to accurately validate this information.

15 U.S. Code 1681s - Responsibilities of furnishers of information to consumer reporting agencies.

15 U.S. Code 1681n - Civil liability for willful noncompliance - any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} Proper evidence has been supplied from XXXX  XXXX XXXX and these credit bureaus continue to display inaccurate information. Please remove these late notifications immediately and send a letter to me confirming the removal. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-09-21
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (VA)

My actual complaint was not an available option. 

My complaint is against Rushmore Loan Management Services because they refuse to initiate a funding fee repayment. 

My VA XXXX status was pending at the time we closed on the account ; however, I have now been recognized as XXXX by the VA and can now request that my VA funding fee be returned. 

The VA stated plainly that the mortgage company that holds my loan must initiate the repayment through the VA funding fee payment system and that nothing else would change about my loan and that I did not need to provide any documentation to the mortgage company. 

I initially spoke ( XX/XX/2018 ) with XXXX ( ID XXXX ) and later ( XX/XX/2018 ) XXXX ( ID XXXX ) and they are refusing to submit this request and are requesting my XXXX paperwork. 

Rushmore Loan Management purchased my VA loan but is completely ignorant of the VA loan, and is unwilling to assist me in this matter.
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX, MD XXXX XX/XX/XXXX  XXXX XXXXXXXX Balance : $ XXXX XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX  XX/XX/XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-11
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. (KY)

My student loan originally started with XXXX. They transferred my loan to XXXX I was contacted by XXXX They stated that I was behind on my loan. After having my CPA audit my student loan payments all of my payments were made. After communicating with XXXX it was determined that they had credited my payments to another account. There were several three way calls between XXXX, XXXX my CPA and myself. XXXX forwarded the missing funds to XXXX ( see the attached letter ) dated XX/XX/2019. XXXX has reported to all three Credit bureaus XXXX, XXXX  and XXXX that my student loan is delinquent ( see the attached copy of the three credit reports ). I have spoken with XXXX  at least 6 times regarding this issue and filed a complaint. I've also filed a dispute with XXXX  each time XXXX response is the payments were late so they are correct. 
The payments were late because XXXX posted them wrong. I've made every payment on time and they reported to the credit bureaus that these payments were late is incorrect and need to be removed from my reports. I have communicated this to many times and have spent an enormous amount of time dealing with this issue an issue I did not cause.
Consumer complaint received 2022-06-20
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. (MO)

n accordance with the Fair Credit Reporting act XXXX  Account # 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 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 2019-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

My student loan originally started with XXXX. They transferred my loan to XXXX  I was contacted by XXXX They stated that I was behind on my loan. After having my CPA audit my student loan payments all of my payments were made. After communicating with XXXX it was determined that they had credited my payments to another account. There were several three way calls between XXXX, XXXX my CPA and myself. XXXX forwarded the missing funds to XXXX ( see the attached letter ) dated XX/XX/2019. XXXX has reported to all three Credit bureaus XXXX, Transunion and XXXX that my student loan is delinquent ( see the attached copy of the three credit reports ). I have spoken with XXXX  at least 6 times regarding this issue and filed a complaint. I've also filed a dispute with XXXX each time XXXX response is the payments were late so they are correct. 
The payments were late because XXXX posted them wrong. I've made every payment on time and they reported to the credit bureaus that these payments were late is incorrect and need to be removed from my reports. I have communicated this to many times and have spent an enormous amount of time dealing with this issue an issue I did not cause.
Consumer complaint received 2019-06-11
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NY)

I attended XXXX XXXX University and graduated in XXXX with my XXXX degree and then in XXXX with my XXXX degree. 
Since then, over the years there have been periods where I had my payments reduced or deferred. I learned about this when I called to make a payment. I was informed that I can pay a reduced amount each month or that I can have payments deferred. One thing that they never told me, that I only recently found out about is, loan forgiveness. I would totally qualify for loan forgiveness except for the fact that I did take advantage of the deferred payment. 

I began working for the XXXX District Attorney 's Office in XXXX and continued to work there until XXXX. ( Also worked for the XXXX County DA 's office XXXX, totalling 16 years in public service ). During this entire time, I was never informed of the loan forgiveness which indicates that I would qualify as a public servant/ government position. 

So here I am rather than taking tremendous steps forward, I have incurred further debt when I should've been getting rid of my loan.
Consumer complaint received 2019-06-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Mercedes Benz Financial Services (NJ)

On or about the end of XX/XX/XXXX, I brought a 2018 Mercedes benz. A couple of weeks after I brought the car home the engine light came on and the brakes starting squeaking and the car jerks when I start the car or when I am at a red light. Also I am told the brakes only start when it is cold. They start hot, cold. 

Who want 's to buy a car that the brakes make a horrible brake sound, when I make a U-turn or parked in between cars the brakes sounds horrible. My insurance went up because they stated it was from an auction. I called Mr. XXXX states per XXXX XXXX it was a lease, when I checked XXXX XXXX it stated as rental. 

I have taken it back to the dealership several times about this matter, of course, they will say it is nothing wrong with the brakes. XX/XX/XXXX my last visit I sat with XXXX the REP states the car is made to have a delayed reaction. And the warrant coverage do not cover for brakes.
Consumer complaint received 2019-10-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect (FL)

When the original debtor XXXX XXXX XXXX had this account I couldnt even get in touch with anyone in that office to pay it off. This was before they even had the online payment thing going. Then it was transfered to a collection agency which I did contact as soon as I received notice and I offered to pay it off but could only pay half and I remember I was refused at that time. I haven't even received anything from this company in 2 years and they still hijack my credit and somehow seem to report it but they dont and have not been sending me any kind of paper mail on this matter. This collection agency is not applying to the laws of notification of debt therefore they have broken the law. 
Amount of debt : {$280.00} Americollect XXXX XXXX. XXXX XXXX XXXX WI XXXX 2 years I have not received anything anf yes I have disputed this and still didntnr eceive anything. It appears as though they just decided to let my credit suffer. I offered to pay half off and was refused.
Consumer complaint received 2023-08-20
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: EQUIFAX, INC. (TX)

I hope this letter finds you well. I am writing to follow up on my previous correspondence dated XX/XX/XXXX regarding a request for verification of a late payment that is currently being reported on my credit report. The specific account in question is as follows : Account : XXXX XXXX  ( Account Number : XXXX ) Despite my initial request for verification of the reported late payment on the XXXX XXXX account for the month of XX/XX/XXXX, I have not received any documentation from your agency that supports the accuracy and completeness of this reported late payment. 

As stipulated by the Fair Credit Reporting Act, I am entitled to receive a response from Equifax within 30 days of the receipt of my letter. This response should include comprehensive documentation that verifies the accuracy and completeness of the information being reported on my credit report. 

More than 30 days have now passed since I sent my initial request, and I have not yet received any of the requested documentation. It is important to reiterate that credit reporting agencies are legally obligated to provide accurate and timely responses to consumer requests for information verification. 

In light of the fact that the legally mandated timeframe has elapsed without a response, I am formally requesting that Equifax Credit Information Services take immediate action to remove the reported late payment from my credit report for the XXXX XXXX  account for XX/XX/XXXX. Furthermore, I kindly ask that you provide me with an updated and revised copy of my credit report, reflecting the removal of this inaccurate information. 

Understanding the significance of accurate credit reporting, I appreciate your prompt attention to this matter. I anticipate a timely response containing the necessary documentation and an outline of the measures taken to rectify the inaccuracies on my credit report. 

Thank you for your cooperation, and I look forward to a swift resolution of this issue.
Consumer complaint received 2019-06-11
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc. (NY)

In response to the letter date XX/XX/XXXX 1. Loan Validation Direct loan servicing center ( XXXX ) has never sent an itemized balance sheet showing how much was paid and how much is left. 
If I have no loans serviced by Nelnet then why is Nelnet using XXXX XXXX and other agencies. Denying my status with social security. 
have never received a statement from XXXX to show my loan balances and occurring payments done from XXXX. XXXX XXXX  never sent a validation by fair debt standard. 
2. SSA Benefit offset I was legally XXXX XXXX in XXXX of XXXX. My last payment to XXXX was XXXX of XXXX. 
Attached is a test done in XX/XX/XXXX and was ordered by new york state office of temporary & XXXX   assistance. 
An independent specialist and my physicain  came up with two test that concluded I was XXXX  XXXX. 
My XXXX date was officially XX/XX/XXXX My review was scheduled for XX/XX/XXXX. 

that qualifies me for 5 to 7 year XXXX. 

So how can Mr XXXX of Federal student loan aid disqualify me when two independent specialist did the test. 




If we have received information from the Social Security Administration ( SSA ) indicating that you are receiving Social Security Disability   Insurance ( SSDI ) or Supplemental Security Income ( SSI ) benefits  and that your next scheduled XXXX review will be within 5 to 7 years from the date of your most recent SSA XXXX determination. 
If you are receiving SSDI or SSI benefits and your next scheduled XXXX review will be within 5 to 7 years from the date of your most recent SSA XXXX determination, but we did not contact you about a XXXX discharge, you can apply and provide documentation of your SSA notice of award for SSDI or SSI benefits or a Benefits Planning Query ( BPQY form 2459 ) stating that your next scheduled XXXX review will be within 5 to 7 years from the date of your most recent SSA XXXX   determination. 



3. XXXX Applicaton Status My XXXX has certified and sent the necessary paperwork
Consumer complaint received 2021-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I had set my accounts with XXXX XXXX XXXX  to be on auto pay with my checking account at XXXX  XXXX XXXX. Due to fraudulent activity on my checking account the bank would not pay the credit card bill and charge me an nsf fee. At the same time allowing other transactions to go through with an overdraft fee. The bank picked and choose what accounts to pay on, and did not pay my credit cards. XXXX XXXX XXXX repeatedly marked me as having late payments but it was due to bank error and not my fault. I also have had made many payments by debit card to them and they closed the account according to my credit report when the person on the phone told me the accounts were still opened. 

# XXXX # XXXX