davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MI)

Experian is the only credit Bureau reporting an incorrect address on my credit report.my address is XXXX XXXX XXXX. I don't live at & have never lived at XXXX XXXX XXXX. That is not my address.
Consumer complaint received 2024-12-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: M&T BANK CORPORATION (MD)

My son, who is mentally impaired, was the account holder. I am the guardian of the person and property. 
Name XXXX XXXX XXXX Account No : XXXX M & T Bank Maryland Branch This is a violation of the Americans with Disability ACT
Consumer complaint received 2019-06-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MD)

On XX/XX/2019 my mortgage was transferred from XXXX XXXX to Rushmore loan management services LLC. When I received the letter informing me that my account had been transferred I called Rushmore to inquire about making a payment. My new account number was not on the letter that they sent me so I asked them for my account number. They provided me with an account number of XXXX. I made my payment through my online XXXX checking account and it posted to my account on XX/XX/2019. Rushmore has not been able to confirm that they have received my payment. They told me that they made a mistake when they told me my account number and that my account number is actually XXXX. They are saying that I will incur late fees now because they still have not received the payment for XXXX. They are also telling me that this could take weeks to fix. I am concerned because if they do not acknowledge my payment within the next 10 days then they will mark my mortgage as being 30 days late. I need confirmation from Rushmore that they have received my payment and that they have credited the payment to my proper account number for XXXX XXXX XXXX, XXXX, MD XXXX. I need confirmation that I will not incur any late fees because I did in fact pay my mortgage before the XXXX. In the future Rushmore should send an initial statement to transferred loans that has the account number on the statement. I do not know what to do. From my research online Rushmore has a history of poor customer service and I am not confident that they are able or willing to correct this problem before they mark my mortgage is 30 days late.
Consumer complaint received 2023-01-04
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. (MD)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MD XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXXXXXX VA XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXXXXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : {$2000.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX : {$2000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX Bankruptcy XXXX XXXXXXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXXXXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXXXXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXXXXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXXr XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXXXXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ;
Consumer complaint received 2023-01-04
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: EQUIFAX, INC. (TX)

When i went to the car dealership they said it would just be in house an I received a lot of hard inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX car dealership was not supposed to run this credit check XXXX XXXX XXXX XXXX-car dealership was not supposed to run this credit check XXXX XXXX XXXX XXXX car dealership was not supposed to run this credit check XXXX XXXX XXXX XXXX car dealership was not supposed to run this credit check XXXX XXXX XXXX XXXXXXXX car dealership was not supposed to run this credit check XXXX XXXX XXXX XXXX XXXX-car dealership was not supposed to run this credit check XXXX XXXX XXXX XXXX XXXX car dealership was not supposed to run this credit check XXXX not authorized XXXX XXXX XXXXXXXX not authorized XXXX XXXX XXXX XXXX XXXX car dealership was not supposed to run this credit check
Consumer complaint received 2021-10-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Phoenix Recovery Group (TX)

I have never signed an agreement with this creditor ..This is not the original creditor. I was never 30 days late. This Account is Duplicate US Code 1962e FALSE AND MISLEADING REPRESENTATIONS US Code Notes A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. ( 2 ) The false representation of- ( A ) the character, amount, or legal status of any debt ; ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney.
Consumer complaint received 2022-07-30
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. (NY)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX # XXXX, Account XXXX XXXX # XXXX, Account XXXX XXXX # XXXX, Account Bank XXXX XXXX # XXXX, Account XXXX  XXXX XXXX Account XXXX XXXX, Account XXXX XXXX  XXXX XXXX XXXX XXXX, Account XXXX Bank # XXXX, Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX  Account XXXX XXXX XXXX Account XXXX XXXX XXXX, Account XXXX XXXX XXXXXXXX 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 2019-06-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A. (IL)

XX/XX/2019/ XX/XX/XXXX XXXX XX/XX/XXXX-home equity line/ $ XXXX/ denied reason insufficient credit history/ on free and clear title deed home/ Citibank myhomeequity/ $ XXXX/XX/XX/2019/ action denied/ not approved/ free and clear title deed
Consumer complaint received 2021-10-02
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: LEXISNEXIS (CA)

My name is XXXX XXXX who has been suffering from my lies and deceptive actions of Lexisnexis over and over again and need your help to fix this please as they claimed they dont dont how to help because i dont respond with identification omg what a lie as you will see. I been calling and each time being rejected in the calling q after waiting for 1 hr 17 mins and 2hrs. as am in california and there hours are not readily for my time zone. They have no clue am tracking emails read when i sent XX/XX/XXXX and XX/XX/2021 so they lied that they cant remove the information that stole from my records and sold without my written permission. Am very depressed now as they are saying they dont have to respond to me as they have all rights as they dont go by the rules of the FTC but only by XXXX, XXXX and XXXX. am confused need the CFPB to help me and am having sleepless nights of their constant lies.
Consumer complaint received 2020-09-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Business & Professional Collection Service Inc (CA)

I called to Business and Professional Collection services due to an energy bill ON MY CREDIT REPORT. 

I told them I was willing to pay the balance if they delete from my credit report just because I never got any letter or documentation about this debt, either a proof of this debt. The representative informed me THEY JUST DON'T HAVE IT, I was in shock since how is possible that a collection agency open a collection without proof of debt. 

Also I was informed the address of service for this bill was the XXXX XXXX XXXX XXXX XXXX XXXX NV, XXXX, I was living in that address but NEVER IN THAT APARTMENT NUMBER. 

I request them proof of the debt ASAP, they said they will investigate if exist a proof of the debt and mail it to me.
Consumer complaint received 2024-11-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

I have been making regular payments every month to mohela and seeing my principal decrease while my loans were put into forbearance while Mohela was transfering to a different website. I have a DL consolidated subsidized and DL consolidated unsubsized loan, and while making my patients I paid off all of my unsubsized loan amount and was left with {$12000.00} which is the amount on my studentaid.gov account as well. A few days ago roughly on XXXX XXXX, 2024, I logged into mohela.studentaid.gov and my loan amount had increased by another {$5000.00} that was placed in my SL consolidated unsubsidized loan amount. I tried calling the loan servicer and my concerns were stated to be documented but I would need to be transferred on phone to someone else that can help me. I was once again just rerouted back to customer service which was the last service I had just spoken to, and they were unable to provide any resolution. I am wondering what I can do since I was given no explanation on why my loan amount increased.
Consumer complaint received 2024-11-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (IL)

XXXX XXXX XXXX I rarely can reach Mohela because of my job. My payment is too high and I need a lower payment or a forbearance. It is impossible to reach Mohela. I have a day off today and held for XXXX minutes to ask for a forbearance. I was transferred to another clerk, only to be disconnected. I called back and held for XXXX minutes explained I was disconnected, and the clerk noted my file and transferred me. I was not disconnected this time, but told my wait time would be XXXX minutes. In the past, I've pressed XXXX for the callback, but I've never been called back. Attempting to avoid phone calls means attempting to login, which is also convoluted : new passwords, submit button freezes, really nothing accomplished without calling.
Consumer complaint received 2020-09-09
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. (TX)

This letter is a formal dispute in accordance with the Fair Credit Reporting Act ( FCRA ).

Upon review of my credit report, I have found that there are several inaccurate and unverified items. These have negatively impacted my ability to receive credit and have provided unnecessary embarrassment and inconvenience.

As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. 

As such, the following are items I wish to dispute on my credit report : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX DEPT OF EDUCATION/XXXX XXXXXXXX this account payment history is incorrect. The account reflect three 120 late 's XXXX and two 120 dates consecutively in XXXX, An account can not have the same amount of days outstanding consecutively every month. This account has never been late. Please update DEPT OF EDUCATION/XXXX  XXXX this account payment is incorrect. The account reflect three 120 late 's XXXX and two 120 dates consecutively in XXXX, An account can not have the same amount of days outstanding consecutively every month. This account has never been late. Please update As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Consumer complaint received 2024-12-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (NY)

XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX Subject : Dispute of Inaccurate Information in XXXX Report Dear XXXX Team, I am writing to formally dispute certain inaccuracies in my XXXX report. I believe the following information does not accurately reflect my financial status, and I request an investigation and correction as necessary. 

My personal information is as follows : - **Full Name : ** XXXX XXXX - XXXXAddress : ** XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX **Social Security Number : ** XXXX - **Date of Birth : **XX/XX/XXXX The specific entries I am disputing are as follows : 3. **Source of Information : ** Citibank , California - **RTN/ACCT # : ** XXXX / XXXX - **Reported For : ** Account Abuse - **Date of Closure : ** XX/XX/XXXX - **Original Charge Off Amount : ** {$1100.00} - **Closure Status : ** Unpaid I dispute this entry as it does not accurately reflect my account status, and I request a thorough investigation. 

Please investigate this matter and correct the inaccuracies in my report. I would appreciate a written response confirming the results of your investigation and any corrections made to my report. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-01-04
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. (KY)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to discard this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-04
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. (KY)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to discard this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Social Finance, Inc. (RI)

On XXXX I received a text message from phone number XXXX that my SOFI loan was in process, but that additional information was required to secure the loan. The message included a link to complete the application. I had not started a loan application or any inquiry into a loan application and I assumed this was a fraudulent text. I replied STOP to opt out of any future correspondence. Aprox. XXXX minutes later I received another text notifying me that the loan had funded. On XX/XX/22 I received multiple calls from XXXX phone number XXXX requesting information to complete another loan application. This prompted me to check my credit report. Upon which time I noticed that SOFI had pulled my credit on XX/XX/22. I called SOFI and learned that a personal loan in the amount of {$12000.00} had been dispersed to XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. SOFI had all of my personal information on file ( XXXX, XXXX, Home Address, Phone, etc. ) I notified SOFI that this was a case of identity fraud and as of XX/XX/22 my case was being reviewed by their Fraud Dept. I called XXXX XXXX XXXX Bank and spoke to XXXX XXXX ( phone XXXX ) who works in their Fraud Dept. He confirmed that the funds had been received at XXXX XXXX XXXX XXXX and that bank account XXXX was under the name XXXX XXXX. SOFI keeps forwarding me to their Fraud Investigative Team phone number ( XXXX ) that goes straight to voice mail. I can not get a valid case number or confirmation number and they will not give me a phone number or email address to call them directly. The funds have already been dispersed and I want this transaction wiped from my credit and all of my personal information removed from XXXX XXXX.
Consumer complaint received 2022-07-14
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: OneMain Finance Corporation (IL)

I emailed the company regarding trying to make a payment online and it wasn't letting me. The did respond to me on and told me I needed to call to them. I didn't get a chance to call and was going to make a payment on XX/XX/XXXX and I woke up this morning of XX/XX/XXXX to find my car gone a XXXX XXXX XXXX they also took my XXXX XXXX XXXX. Nothing on my loan account when I log in states my car was going to be repossessed. I did not get anything in the mail that stated my car was going to be repossessed. I would think I would have been notified that if I didn't make a payment or make arrangements or something my car would be repossessed in so many days.My loan payment was past due {$1500.00}. Now I have no way to get to work.
Consumer complaint received 2020-04-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc. (RI)

This complaint is based on violations of the FDCPA and the FCRA by Eastern Account System ( Eastern ). 

___ On XX/XX/XXXX, I reviewed my XXXX  credit report and saw a collection account reported by Eastern for a {$65.00} medical debt. I only just discovered the account from my credit report. Eastern never sent me a letter with a notice that I had a right to dispute the debt. 

___ On XX/XX/XXXX, I disputed the debt with Eastern by certified mail. 

___ Eastern did not respond to my letter and did not validate the debt. 

___ In my letter, I gave Eastern notice that I will also dispute the account with the credit bureaus. According to federal court decisions, if a debt collector verifies an account to a credit bureau before validating the debt, that is a violation of the FDCPA for failing to cease collection of the debt. Here is case law on this : Until the debt was verified, all further attempts to collect on the debt, including defendants XX/XX/XXXX letter and any subsequent reports to the credit reporting agencies, violated 1692g ( b ). Semper v. JBC Legal Group, 2005 WL 2172377, *4 ( W.D. Wash. 2005 ) [ emphasis added ]. 

___ On XX/XX/XXXX, I disputed the unverified Eastern account with XXXX. 

___ On XX/XX/XXXX, XXXX  sent me the results of the re-investigation. Eastern failed to cease collection of the debt because they falsely verified the unverified debt to a credit bureau. 

___ Also according to federal court decisions, the failure of Eastern to provide account-level documentation to validate the debt means that they had no such materials to rely on when they verified the account to XXXX. Here is case law on this as well A jury could also find that because [ the debt collector ] retained the right to seek account-level documentation through its agreements with [ the creditors ] [ it ] behaved unreasonably when it reported the accounts as verified without first exercising those rights. Hinkle v. Midland Credit Management , Inc., et al No. 3:2013cv00033 ( S.D. Ga. 2015 ). 

___ Based on the aforementioned facts, Eastern violated the FDCPA and FCRA. 

___ ( a ) Violation of the FDCPA 15 USC 1692g ( b ) in that they failed to cease collection of the disputed and unverified debt. 

___ ( b ) Violation of the FDCPA 15 USC 1692e ( 2 ) ( A ) in that they misrepresented the character, amount of legal status of the debt. 

___ ( c ) Violation of the FCRA 15 USC 1681s-2 ( b ) in that they failed to conduct a reasonable investigation of my dispute thru a credit reporting agency. 

___ DAMAGES : I was denied credit due to the unverified collection account that Eastern wrongfully verified to a credit bureau. 

___ RECOURSE : I spoke with a consumer lawyer about filing a complaint with the CFPB. He explained how to structure my complaint, and to contact him if my CFPB complaint does not resolve this matter.