davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (KY)

Re : Request for investigation and removal of inaccurate late payments on account XXXX, Account Number XXXX Dear CFPB Representative, I am filing a formal complaint regarding inaccurate information reported on my credit report concerning my XXXX  account, account number XXXX. Specifically, late payments were reported for the months of XX/XX/year> and XX/XX/year>, which are incorrect. 

Below are the specific laws protecting my rights as a consumer, which have been violated in this case : 1. 15

U.S. Code 1681i Dispute Investigation Law : This statute requires credit bureaus to conduct a timely and thorough investigation of any disputes submitted by a consumer regarding inaccuracies in their credit report.

2. 15 U.S. Code 1637 ( b ) Requires creditors to provide accurate billing statements to consumers. There are discrepancies in the billing statements issued by XXXX for the months of XXXX and XX/XX/year>. 
XXXX. XXXX XXXX XXXX XXXX This section obligates information furnishers to ensure that the data they report to credit bureaus is accurate. XXXX has failed in this responsibility by reporting incorrect information, and thus the late payments must be corrected or removed. 

I have attempted to resolve this dispute directly with the credit bureaus and the creditor but have not received a satisfactory resolution. Therefore, I am requesting the CFPBs intervention to investigate and assist in correcting this inaccurate information in compliance with consumer protection laws. 

Attached is a copy of my credit report highlighting the late payments in question, along with any supporting documentation that XXXX assist in your investigation. 

Thank you for your prompt attention to this matter, and I look forward to a favorable resolution that ensures the accuracy of my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2015-08-17
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (IL)

Contacted Owcen multiple times and then made a complaint to your office. 

Got XXXX letters and then a call yesterday that says we still do n't qualify even though their letter to us XXXX/XXXX/2015 says the automatic termination of PMI the date the principal balance of the loans first scheduled to reach 78 percent of the original value of the property. It has and yet she stated today they just sent us a letter declining to drop PMI. 

We have always been current. We are well past the 80 %, {$160000.00}, the original loan stated PMI would be removed. We are past the 78 %, {$150000.00}, of the original loan amount as stated in the letter received. Yet they are still refusing to remove PMI and return money paid after we met the automatic PMI removal of our original loan agreement or their companies stated policy as received. We want the PMI overpayments to be returned. 

Their employee told me on the phone last week that they had sold our loan to XXXX and we have yet to get any information of such sell. We emailed them and told them any late payments of our county taxes or home insurance from our escrow account as they are both due this month would be turned into the governing bodies. They did n't pay either on time last year which caused a lapse in our homeowners insurance of around twelve days. 

We need your assistance in getting them to refund and remove the PMI which is not needed any longer under their own policy in their letter or our original loan agreement.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I am writing to formally dispute the denials of both my XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX applications, issued through XXXX. These decisions were based on inaccurate and outdated information in violation of federal and state regulations. I request that these matters be investigated and reconsidered. I also want to highlight that the charge-off referenced in the denials is past the statute of limitations for XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX not have been shared or reported, adding further violations to these denials.
Consumer complaint received 2016-09-14
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Grant & Weber (CA)

Hello, I received a collection letter sometimes on or about XXXX XXXX 2015, from a company named GRANT & WEBER, stating a debt from a hospital, dating back to XXXX of 2015. I called this company and spoke with XXXX XXXX disputing this debt and followed that up in writing by mailing a copy of my dispute letter on XXXX/XXXX/2015 and also by fax on XXXX/XXXX/2015. Based on my notes, my balance was Zero after I had called the hospital in the month of XXXX of 2015. I requested copies and verification of the debt from GRANT & WEBER verbally and in writing. ( Copy is attached ) After my communication with GRANT & WEBER I never received any more correspondence even though I had the understanding from the representative that I will receive the documents I requested. I never received any response afterwards and that gave me the impression this company could not validate the alleged debt ; therefore, they did not bother to respond or follow up any further. Until last night that I received a notification from my credit monitoring agency that my credit profile was flagged by GRAND & WEBER and this is nearly one year after my last communications with this company. This company had acknowledged my demand for proof of debt and their authority, however, they never responded and failed to provide appropriate documents so that I would have my lawful and legitimate opportunity to review and examine this alleged debt and resolve the issue appropriately. 

I feel this company has acted maliciously and without warrant in this matter for flagging my credit file. This derogatory action on my credit is unjustified and premature. GRANT & WEBER did not act lawfully in this matter but, solely to satisfy the so called creditor in this case, by flagging my credit profile. This unjust action has caused a XXXX point drop in my credit score today which will immediately impact my credit worthiness thus creating a major setback at the time my family is financially struggling to survive. This company acted intentionally malicious to force me to settle a claim that I had disputed. Another company had filed a claim regarding same and they could n't prove the debt and was thrown out. I DO NOT OWE thus there should not be a flag on my credit profile by GANT & WEBER until the debt it 's proven and resolution has been reached. Copy of the first letter by G & W, showing my notes on the letter and, my subsequent response is attached herein.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2023-12-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Synovus Bank (SC)

XXXX XXXX in over draft fees and a XXXX check deposit came in same day. 
XXXX XXXX charged for each item that came in on overdraft sat down with branch manager and went over account there were XXXX charges on the account that were not made by me asked if it would be credited to the account she said no maybe in 10 days really! 
I told her I had done a complaint on them about the fees and over draft and asked her to reverse them all she said she could only do 1 per year I told her that's not the truth and she said well that's how we pay our bills is with bank fees I said well I help you out but you want help me she said she could not do anything this bank needs to stop XXXX people by the time I pay the fees on Friday I want have money to pay my bills with
Consumer complaint received 2016-12-01
Product: Credit card — 
Issue: Billing statement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Describe what happened so we can understand the issue ... 
I paid XXXX bills at Bank of America on the XXXX. I paid through their online billpay service. XXXX was the closing date for the month. Bank of America credited the XXXX payments for XXXX although I was paying XXXX bill as presented on bill pay. The next day I receive XXXX more bills for XXXX. I called on XXXX and I was told that they could n't switch the payment over to XXXX and that it would be " much more complicated than that ''. The whole process will take 5 additional business days ( with weekends that is 9 more days ). They would now need to credit the XXXX payments back and I would need to repay them again. The whole process would take several days in addition to me providing my checking account and routing numbers over the phone to a complete stranger. I asked to speak to a manager and continue to be on hold for the manager. I do n't want to lose the days of interest as they are figuring this out. I also paid the bill online and was told " never to pay my bill on the closing date ''. I held for the manager for another 10 minutes and was told the same thing. I paid my bill that was presented to me for XXXX online. It showed the minimum balance due. I then received XXXX more bills for XXXX the next day. I do n't want to wait 5 business days more to refund for a payment that was made 3 days prior. That is 8 days of additional interest. Both reps. at Bank of America can not just credit the payment for XXXX? 
Consent to publish the description of what happened? Consent provided Issue Billing statement Date of incident XXXX/XXXX/2016
Consumer complaint received 2023-07-13
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. (DC)

On XX/XX/XXXX I disputed with Equifax an inaccurate collection account from a company called XXXX XXXX in the amount of {$3100.00} that came back verified on XX/XX/XXXX with no hard copy proof of evidence sent to me as I requested in my dispute letter. 

I never heard or done any business dealing with this collection agency. And I was also not given the right from this collection company before they reported this inaccurate collection account to validate this debt which is a violation of under the Fair Debt Collection Practices Act ( FDCPA ). 

I contacted Equifax on XX/XX/XXXX and spoke with Equifax Agent ( XXXX  / Agent # XXXX ) to get further details as to why my certified dispute letter with proof of written statement from the original creditor ( XXXX XXXX XXXX XXXX ) stating they have no affiliation or relationship with XXXX XXXX came back on XX/XX/XXXX with the results on my credit report as follow : " Account previously in dispute-Now resolved by data furnisher. '' The Equifax Agent stated that the reason for the decision was based on them sending an electronic verification code to XXXX XXXX to confirm or deny if the account was accurate or not. In which XXXX XXXX return an electronic code back that the account was accurate. He stated that although I did provide proof of communication from the original creditor ( XXXX XXXX XXXX XXXX ) via email communication ( see attachment ), I needed to provide a written statement on their official letterhead for this collection account to be removed.
Consumer complaint received 2015-08-16
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SUNTRUST BANKS, INC. (FL)

On various occasions i have overdraft my personal bank account. My pay day falls on every other saturday. As per bank policy i understand overdraft fees will be assessed. On my payday i have received text message from the bank advising me of available balance with the overdraft fees already being subtracted. On monday morning when i got to check my bank account i have been charged with extended overdraft fees. This is a glitch in the banking system but it has been costing me and no one can seem to help me i have called the bank customer service and have gone to the bank and no one wants to reverse the fees.
Consumer complaint received 2015-08-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Robinson, Reagan and Young PLLC (FL)

I recieved a letter marked XXXX XXXX 2015 from Robinson, Reagan, and Young pllc.The letter states that I owe {$160.00} to XXXX.I sent a letter back certified and it was signed for by an XXXX XXXX I believe ( cant make out signature and name was not printed ) on XXXX/XXXX/15. In the letter I asked for validity of this debt, copies of bills, why they think I owe this debt, and name and license number of the agent for debt collection in the state of Florida.I recieved another letter a few days ago just saying I failed to communicate with them about this supposed debt and to avoid action taken against me to call and make arangements.they did not address any of the questions I sent in the certified letter.I believe I am being scammed by this " business '' and would like some help please.
Consumer complaint received 2016-07-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Stellar Recovery, Inc. (CA)

I was told at the front desk of XXXX XX/XX/XXXX that there was no debt owed by me when I asked about the remaining balance. 
After three years I see that is is still being reported as late as XX/XX/XXXX. 

I did not know this was happening. 

No attempts to collect this have been made to my address with any communication, not letter or email. 

This has affected my credit rating for awhile and I am not certain that removing it by paying it will actually happen.
Consumer complaint received 2016-11-30
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

COMPLAINT TO CONSUMER This complain is against PORTFOLIO SERVICING due refusal to disclosed information regarding the supposed Investors of the fraudulent Mortgage Account # XXXX, Property : XXXX Fl XXXX. Select Portfolio Servicing falsely claiming to be Attorney in Law of supposed investors, base in fraudulent, suspicious, purported assignment mortgage, recorded on XXXX, is requiere under Section 6, The Real Estate Settlement Procedures Act ( RESPA ) to furnished investors information and principal office : To Servicing Bank : SELECT PORFOLIO SERVICING XXXX, UT XXXX Ref. : Select Portfolio Servicing Acc # XXXX Property : XXXX Fl XXXX NOTICE TO DISCLOSE INVESTORS INFORMATION The undersigned, pursuant Section 6, The Real Estate Settlement Procedures Act ( RESPA ) request Select Portfolio Servicing, Inc., to produce/disclose the following information : 1. Release Name and Headquarter Address of the supposed Investor of the Mortgage Acc # XXXX. 
2. Release XXXX BANK, XXXX, As Trustee 's representative name, in authority to handle decision/legal action on subject Mortgage signed by XXXX on XX/XX/XXXX. 
3. Release, but not limited, any assignment officially recorded by XXXX. to XXXX or any other institution, previous of the purported one recorded on XXXX by crooked and disbarred lawyer XXXX and XXXX. 

Pursuant Section 6, The Real Estate Settlement Procedures Act ( RESPA ) Select Portfolio as the servicing bank handling this account, is required to disclose and release the above-referenced and inquired documents. 

XXXX, Fl XXXX XXXX
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT

for the consumers RIGHT TO PRIVACY. The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions
Consumer complaint received 2015-08-17
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NJ)

The contractor hired to repair collapsed deck cashed the {$7800.00}. insurance check issued by Ocwen Loan Servicing , LLC, XXXX. XXXX XXXX, XXXX XXXX XXXX Fl XXXX in XXXX, 2013. I have obtained a Judgement against the contractor, XXXX XXXX XXXX, and my lawyer needs a copy of the cancelled check in order to enforce the judgement. After multiple requests over MANY months, Ocwen has failed to supply me with the documentation I need to pursue the judgement and recover the funds the contractor stole.
Consumer complaint received 2024-10-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

XX/XX/year> Applied for XXXX XXXX XXXX XXXX ( XXXX ). 
XX/XX/year> My qualifying payment count was updated to the required # XXXX payments for PSLF discharge. 
XX/XX/year> Unsubsidized portion of Direct Consolidation Loan was XXXX by Mohela. 
XXXX XXXX was transferred from Mohela to XXXX platform. Completed on XX/XX/year> ( per letter ). 
XX/XX/year> Received letter from Federal Student Aid ( FSA ) that my Subsidized Direct Consolidation Loan is eligible for XXXX and that I would hear from my servicer within 30 days. 
I DID NOT RECEIVE ANY COMMUNICATION AFTER THIS. 
XX/XX/year> Called FSA for update. Representative told me that my loans were already approved for discharge and Mohela was told to discharge loans prior to the platform transition and that they should not have been transitioned. Per representative, the loan was transitioned back to XXXX " just like any regular loan '' so they did not even know it needed to be XXXX still. She stated that it was not even being processed and that the best way to get someone to review it was to submit a complaint to the XXXX website. 
XX/XX/year> Called Mohela and they stated that they were not the ones responsible for discharges. They stated that XXXX is responsible for discharges and advised me to call them back. 
XX/XX/year> Submitted complaint to XXXX website. I received an automated response back that did not apply to my case and my case was closed. No one ever reviewed my case. 
XX/XX/year> Called FSA again and was told that they are waiting on the processing of IDR waiver counts. Told her that my IDR waiver was already processed over a year ago and that this doesn't apply to me. She then told me my expected forgiveness date is " today '' because the website states the expected forgiveness date is XXXX. I know this is not correct because the account previously said my expected forgiveness date was XXXX. Then it changed to XXXX. Then it changed to XXXX. Then it changed to XXXX. I asked for information SPECIFIC to my case. I asked where i was in the forgiveness process specifically. She said she did not have any of this information. I asked to speak with a supervisor. She refused. 

Both XXXX and Mohela continue to give me the run-around and are pointing fingers at each other. I have been patiently waiting for 9 months for this discharge ( in addition to the 10 years of public service ) and I don't even know if my case is in review or has fallen through the cracks.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (HI)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.