davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

I have submitted numerous dispute letters to Experian regarding a bankruptcy that is incorrectly listed on my credit report. This bankruptcy does not belong to me. Experian has continued to send me dispute results stating the bankruptcy was " verified ''. I have sent two letters asking Experian for their method of verification and have never received a response regarding my letters. 

At the same time, I disputed the information with the other two credit bureaus ( XXXX and XXXX   ). The information could not be verified and was therefore removed from my credit report. XXXX  and XXXX  uses the same vendor, XXXX, as Experian to verify bankruptcy information that it lists on consumer credit reports. With that being said, how was Experian able to verify that using the same vendor? I have done my due diligence and contacted the bankruptcy courts as well as XXXX  and they both have stated that they do not verify bankruptcy information. XXXX  has said they are not responsible for the use or misuse of information that 3rd parties gather from their site whether correct or incorrect. I have sent this same documentation that I received from them to Experian and they have still refused to remove this inaccurate listing from my report.XXXXI called Experian about this issue and was told that I could not speak to a supervisor when asked. I asked if I could be transferred to an escalation que and was told no. I was told that a supervisor would call me back in 3-4 hours. Nothing! This alleged bankruptcy was listed differently between all three bureaus that claimed to have gotten the information from the same vendor, XXXX. If the information came from the same source, the information should not be different. I also sent Experian letters showing the difference and the inconsistencies. Again, nothing. I've sent copies of my results showing where XXXX  and XXXX  had deleted the bankruptcy from my credit report and asked them to follow suit being that is had already been determined by the other two bureaus as incorrect and unverifiable. Again, with Experian, nothing! This listing is damaging my reputation and my credit worthiness. 

1st letter mailed XX/XX/20, received XX/XX/20 @ XXXX XXXX  2nd letter ( method of verification ) mailed after results from 1st letter was mailed on XX/XX/20 and received on XX/XX/20. Also sent a follow suit letter since the other bureaus had deleted the bankruptcy. 

3rd letter ( method of verification follow up ) mailed on XX/XX/20. No documentation received regarding this letter. 

Phone call to Experian was made on XX/XX/20.
Consumer complaint received 2021-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NC)

There is an account showing on my credit profile from XXXX XXXX XXXX that violates my rights and has continuously caused me financial harm over the last 18 months. Attached with my complaint you will find a copy of the XX/XX/XXXX letter sent to XXXX XXXX XXXX requesting specific information regarding this account. 

I informed XXXX XXXX XXXX that under the laws of South Carolina and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.I demand proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. - EFFECT OF ERRORS OR OMISSIONS.

9-611. - NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. - TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

9-613. - CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL It has been past 30 days and GXXXX XXXX XXXX has failed to provide the requested information. On XX/XX/XXXX I directly disputed this account with Equifax, XXXX and XXXX. Attached is a copy of the letter sent to each of the credit bureaus asking them to reinvestigate this matter on my behalf and to send me a copy of all documentation received from XXXX XXXX XXXX  They have failed to provide me with the documentation. 

I am now asking the CFPB to intervene on my behalf and demand the credit bureaus deliver said documents or remove the erroneous information from my credit profile.
Consumer complaint received 2021-05-20
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. (TX)

I disputed a medical collection with XXXX that was reporting on XXXX  and Equifax and requested validation under the guidelines set forth by the FDCPA, Texas Finance Code and HIPAA. XXXX responded but did not send any documentation to support their claim that I owe the amount reported. A demand for removal was sent to XXXX and they received it on XX/XX/2021. However, instead of removing it as they should have per federal and state law, they opted to report the disputed account to XXXX. This act has severely damaged my credit reporting and is concerning since each account newly reported was in dispute. I have attached documentation to show that the dispute had not been resolved and this act may have possibly violated several consumer protection laws.
Consumer complaint received 2020-08-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (GA)

I am responding to a collection listed on my credit reports. I do not recognize this claim. Please provide me with written documentation to validate this purported debt, an itemized statement showing the amount you claim I owe, copy of the written agreement or promissory note I signed relating to this purported debt, agreement with the creditor that authorizes you to collect on this alleged debt, agreement bearing my signature stating that I have agreed to assume the debt, valid copies of the debt agreement stating the amount of the debt and interest charges, complete payment history on this account along with an accounting of all additional charges being assessed, show me that you are licensed to collect in my state ; and your license numbers and Registered Agent. If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. Thank you. I will await your reply.
Consumer complaint received 2020-10-09
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (ME)

My contact phone is XXXX, and email is XXXX. 

I would like some assistance in obtaining a loan reinstatement quote. At the beginning of XX/XX/XXXX. I owed past due payment of {$18000.00}, currently owe {$1900.00} in attorney fees and {$320.00} in late fees. We were scheduling foreclosure mediation at which time I was prepared to pay all the charges.

Covid19 hit our country and changed the landscape. I had a cut back in hours, increased expenses and my wife was laid off. The Cares act was passed, it offered an opportunity for a forbearance so those effected could recover. The cares act specified that there were no additional late charges, and the payments under forbearance would be address in a specific way. It listed repayment options, but also listed in several locations that no lump sum
payments would be required when exiting forbearance. 

In XXXX, I felt I was approaching a time, that I could resume payments. I approached Wells Fargo about a reinstatement calculation and was provided a sum of {$34000.00}, which included the {$1900.00} in attorney fees. This figure included all months under the CARES ACT Forbearance.

This reinstatement included months currently in forbearance under the CARES Act. I was instructed that the entire amount was due, I inquired about the forbearance and was told by several people the entire mount was due, they would not address the forbearance  payments. My payments are currently in forbearance thru XX/XX/XXXX and can be up until XXXX XXXX if necessary. 

The company, Wells Fargo is demanding all payments, even the ones under forbearance be included in the amount to under a foreclosure reinstatement fee.
Consumer complaint received 2019-04-04
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Last year, I filed a complaint about XXXX XXXX who called from the late summer of XXXX into the spring of XXXX. Our phone message asks four questions of all callers : ( 1 ) a full name ( 2 ) a legitimate callback number ; ( 3 ) time of call and ( 4 ) a detailed message. The message further says if you give us this, we will call you back. 

We know the debt collectors are looking for someone we do not know. The debt collectors have been looking for this mystery person since XXXX. When you stopped XXXX XXXX from calling, we had about a 8-10 months peace and now Portfolio Recovery Associates calls all the time. 

Since Portfolio Recovery Associates does the same thing- will NEVER leave a message but call every week day, sometimes 2-3 times per day- we are growing tired of it. If they would follow the prompts and leave the information for which, we ask, we would speak to them, tell them we do not know for whom they seek, and then tell them NOT to call but they continue disrespecting us. We OWE NO DEBTS to anyone other than what we are currently paying. 

XX/XX/XXXX, XXXX- call at XXXX XXXX hang up XXXX XX/XX/XXXX, XXXX- call at XXXX XXXX. hang up. XXXX XX/XX/XXXX, XXXX- call at XXXX XXXX hang up- XXXX XX/XX/XXXX, XXXX- call at XXXX XXXX hang up- XXXX XX/XX/XXXX, XXXX- call at XXXX XXXX hang up- XXXX XX/XX/XXXX, XXXX call at XXXX XXXX hang up- XXXX XX/XX/XXXX, XXXX- call at XXXX XXXX hang up- XXXX XX/XX/XXXX, XXXX- call at XXXX XXXX hang up- XXXX We receive other calls from private callers as well as ones with similar area codes but no one ever leaves the required answers we request to speak with them. This has been ongoing for a long period of time ; I have been slow in keeping a diary as I thought when the CFPB got rid of the XXXX XXXX onslaught of calls, we would be done with these people. Apparently not.
Consumer complaint received 2022-06-23
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: MOUNTAIN AMERICA FEDERAL CREDIT UNION (UT)

Ive reached out to XXXX several times disputing this and requesting a removal of the rolling 120 day from my credit reports. They refuse to remove this from my credit report. It is still appearing on my XXXX Credit Report. 

I lost my job during covid, the company I worked for closed. I applied for a forbearance of my HELOC which I received. During that time each month the non-payments were submitted to the credit bureau agencies. XXXX indicated that I had a late payment prior to that. This account was brought current in XXXX XXXX 2022, all payments are up to date. Therefore, I requested that the rolling 120 late be removed, they have refused. 

This is a problem as Im in the process of applying for a reverse mortgage which would pay off the HELOC. This issue is an obstacle to my ability of being accepted. 

I would appreciate any assistance in getting this matter resolved.
Consumer complaint received 2022-10-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (IL)

MOHELA is grossly mishandling the PSLF eligible payment processing of individuals who have applied for the limited service waiver. My fully signed, fully completed PSLF form was sent by certified mail in XXXX of XXXX. XXXX XXXX sent me a letter back in XXXX of XXXX saying they had my form and were certifying my employment to check eligible payments. In XXXX of XXXX, I received a letter saying my employment was eligible. My account was sent to MOHELA as I was found to be eligible, but MOHELA is only showing my and many other people as eligible ONLY since XXXX of XXXX. This corresponds with NOTHING on the PSLF form that I ( and I assume others submitted ). I have been at the same eligible employer for longer than that! MOHELA will not respond to emailed complaints through their own site to correct the issue, even though their site claims they will respond. When form status is checked, they claim they have not loaded the form into their system, and it could take up to 30 days, but they have on their site the letter that says the loan service has had my form for months. They are doing this to many, many people and I believe are purposely mishandling the issue to try and claim people aren't eligible by the XX/XX/XXXX limited PSLF waiver deadline. Please see the XXXX thread here, where folks are all complaining about the arbitrary XX/XX/XXXX eligible date for payments that has nothing to do with what they filed. https : XXXX This is gross negligence with a waiver deadline looming. MOHELA is going to cheat people out of loan forgiveness by intentional negligence. There's no reason forms that have been filed for months are not loaded/evaluated. We're not last minute filers. And there's no excuse for simply not responding to written complaints.
Consumer complaint received 2022-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC. (OR)

I was the victim of a scam and did not realize it until the XXXX XXXX notified me, I tried to close the account. and as far as i know the XXXX XXXX would not close it but kept it open and took my final check for doing work for a social security special needs person, they said i told the bank I that I needed to buy a new wheel chair so that i took the money out of the account, I DID NOT EVER SAY THIS TO ANYONE AT THE BANK, It is a total lie, and then this credit union let the money they stole from me and what they lost and said I did this on purpose, i did not!!!! They turned me into a place called XXXX XXXX  that people that continually over draw etc, a put on a 'bad ' risk list and are unable to get checking accounts.. Until the pandemic messed up my whole life I have had checking accts since I was XXXX and NEVER OVERDRAWN. I have lost everything - had to move in with my brother because the XXXX XXXX took the money I needed to live on, I have been threatened by the scammers and they have posted bad things about me too, The XXXX XXXX has posted lies to get even with me getting scammed. i did not get scammed on purpose, i believed that i could get help to get out of this mess the pandemic has put me in, Instead of helping me the credit union made things 10 x worse for me and when i spoke with them, they acted like it was all my fault, credit union is XXXX XXXX XXXX XXXX in XXXX XXXX
Consumer complaint received 2022-06-23
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. (CA)

In accordance with the Fair Credit Reporting act, 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 an account without my written instructions.
Consumer complaint received 2019-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In XX/XX/2018 I canceled my cellular service with XXXX XXXX XXXX in the middle of the billing cycle. They verbally informed me that I would be billed for only 50 % of the month of service. I relied on that verbal agreement. When the bill arrived they billed me for the entire amount of {$180.00}. I called to complain and they said it was their policy to bill through the end of the billing cycle. I reminded them that they made a verbal agreement with me to bill be for 50 % ( {$93.00} ). They refused and turned me over to a collection agency when I refused to pay the full bill.
Consumer complaint received 2020-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have contacted all credit companies and creditors about these accounts that I have no knowledge about, Ive requested these to be removed many times because it is having a bad impact on my credit score and my credit report.
Consumer complaint received 2022-06-23
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-06-23
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-06-23
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. (IL)

Under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I never gave EXPERIAN any written consent to report anything on my consumer report, No consent is Identity Theft.
Consumer complaint received 2022-06-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Social Finance, Inc. (NY)

I opened a new SoFi checking and savings account on XX/XX/2022, transferred {$5000.00} into the account from another bank, and set up the account to receive direct deposits. The next day, they froze my account without giving any reason, locking both the {$5000.00} I deposited and giving me no access or record of the direct deposit funds that also should have been sent to the new checking account I have tried calling their customer service fraud prevention line several times as well as reaching out to them through their XXXX account direct messages. They have been completely unresponsive providing me with no avenues to get information on the issue or resolve the problem.