davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MA)

I am a full class, automatic relief, XXXX XXXX class member of the XXXX vs XXXX settlement. The terms of the settlement are : XXXX ) Full discharge of all loans XXXX ) Removal from credit report XXXX ) Full refund on payments made This was to be completed by XX/XX/XXXX. The deadline has been missed MULTIPLE times with MULTIPLE times returning to court to get Mohela to follow the terms of the settlement. As of XX/XX/XXXX which was the FINAL date for relief set by XXXX XXXX. As of XX/XX/XXXX only items XXXX and XXXX of the XXXX terms of the settlement were made by the final deadline for relief in hand set by XXXX XXXX which was XX/XX/XXXX. I have not received a cent of my refund which is due which is AT LEAST {$10000.00} on Loan XXXX and {$6500.00} on Loan XXXX. I have reached out to Mohela and the Department of Education XXXX XXXX XXXX and cases are constantly closed without any resolution or notice with no ability to even respond. I have asked supervisors to call me back. have been promised call backs. all to no avail. 

The last court hearing regarding this was held last week. The Department of Education has stated that ALL information has been sent to the servicers for relief. At this point Mohela is sitting in contempt and breach of the federal orders. I was due to have my refund in hand by XX/XX/XXXX and at this point I have filed so many complaints with either no response or playing the blame game with the department of education. 

My relief is due. I expect a check for the FULL AMOUNT owed to me IMMEDIATELY. Mohela is DIRECTLY responsible for this.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MN)

This letter serves as my final notice regarding your continued noncompliance with federal credit reporting laws. I previously disputed the accuracy and validity of several items on my credit report, yet your agency has failed to comply with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Despite my prior notifications, I am still seeing unresolved issues.

Violations : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Inaccurate reporting of accounts on my credit report, which remain after your investigation despite my disputes. These accounts were not authorized by me, and no valid contract or written consent exists for the reporting of these items as required under 15 U.S. Code 1681b.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX BANK NA XXXX, XXXX BANK XXXX XXXX, XXXX XXXX XXXX BANK XXXX, XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

On XX/XX/XXXX, XXXXXXXX XXXX closed my account and for the past few years I have been requesting a letter of proof for the closure of this account. After the closure of the account in XXXX of XXXX XXXX marked me late for 8 payments during COVID in which I did not miss a payment. Even though I showed proof of payments the credit bureaus would not do anything without a letter from XXXX. 
Now that the account was paid off in full they recently gave me a letter stating that the account was closed in XX/XX/XXXX, and I have submitted the letter to XXXX and to EQUIFAX and yet they will not change my report and change the close date to XX/XX/XXXX instead of XXXX. 
XXXX has handled and managed the request but Equifax and XXXX will not remove the incorrect closed date or the late payments from the report. I have been trying multiple times with my credit repair agencies and no results. This has affected me in many ways badly. so I turn to you to help me with this problem.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (WA)

Dear CFPB, My name is XXXX XXXX, and I am writing to formally dispute an account reported on my credit report. The account in question is with XXXX XXXX XXXX, and I am concerned about its legitimacy. Below, I have outlined my dispute : Dispute Statement : I am not aware of this account or if I ever signed up for it. I contacted XXXX XXXX XXXX, but they have not provided me with any evidence confirming whether I personally opened this account. Therefore, I would like to dispute this matter due to the lack of identification verification in the opening of the account. 

Legal Basis for Dispute : Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute incomplete or inaccurate information on my credit report. Additionally, as mandated by the Truth in Lending Act ( TILA ), creditors are required to verify a consumers identity and obtain consent before opening an account. Due to the absence of such verification, this account does not seem to be attributable to me. 

Action Requested : I am requesting that you : 1. Immediately investigate this matter in compliance with the FCRA.

2. Provide me with all documentation related to the opening of this account, including but not limited to any signed application forms or identification used during the account opening.

3. Correct or remove this account from my credit report if verification can not be confirmed.

I appreciate your attention and look forward to your prompt response. Please let me know if additional information is required for your investigation. As stipulated by federal law, I expect a written response from you within 30 days. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (CA)

CHASE CARD IS REPORTING 1 ( 30 ) DAY LATE IN XXXX, 2016. THIS IS FALSE AND UNTRUE. I PAY ALL OF MY BILLS EACH MONTH.
Consumer complaint received 2016-05-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

XXXX previously reported that I had a medical charge for service in XXXX placed into collection. I challenged this record and I received notification that the XXXX XXXX in XXXX, WA erased that erroneous collection record from my credit report. Now Equifax has a record of a XXXX medical account in my name listed as in collection. I previously investigated and discovered the charge was from XXXX WA. I have not lived nor received medical services from anyone/entity in XXXX since XXXX. The record was supposed to have corrected and I just discovered that it still exists in error on my credit report. This has not been erased from my record and is very upsetting to me as I have never had any account turned over to a collection agency.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me. 
For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ).

A copy of the records used to verify the cancellation of my accounts.

An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.
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)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I looked at my report back on XX/XX/year> and noticed some things are incomplete and inaccurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assume maximum possible accuracy of the information concerning the individual about whom the report relates. 


This account " XXXX XXXX XXXX XXXX open date is NOT reporting accurate, date last active, date of last payment is NOT correct, this account is NOT accurate. 

This account " Applied Bank : XXXX open date is NOT reporting accurate, date last active, date of last payment is NOT correct, this account is NOT accurate. 

This account " XXXX XXXX XXXX  XXXX open date is NOT reporting accurate, date last active, date of last payment is NOT correct, this account is NOT accurate. 

This account " XXXX XXXX XXXX XXXXXXXX open date is NOT reporting accurate, date last active, date of last payment is NOT correct, this account is NOT accurate. 

This account " XXXX XXXX XXXX XXXX open date is NOT reporting accurate, date last active, date of last payment is NOT correct, this account is NOT accurate. 

This account " XXXX XXXX XXXX XXXX XXXX XXXX XXXX open date is NOT reporting accurate, date last active, date of last payment is NOT correct, this account is NOT accurate. 


I sent a letter via certified mail on XX/XX/year> tracking number XXXX asking them to reinvestigate the accounts in question. 

I got the investigation back and NOTHING was modified. 

So I requested a description of the reinvestigation and they did NOT provide me which is a violation of XXXX XXXX XXXX ( XXXX ), They also violated XXXX XXXX XXXX, XXXX.
Consumer complaint received 2024-10-13
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)

I need your assistance regarding the false information being reported on my credit report. This matter is serious, as it has negatively affected my reputation, and I need your intervention. Your mishandling of my credit report has caused significant harm, and the incorrect reporting has damaged my standing. It's crucial that you remove these false details from my credit report.
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. (GA)

To Whom It XXXX Concern, I am writing to urgently dispute the incorrect eviction records that appear on my credit report and are causing severe harm to my credit, preventing me from securing housing. The following eviction cases have been dismissed and are incorrectly listed on my credit report : Case Number : XXXX ( Dismissed on XX/XX/year> ) Case Number : XXXX ( Dismissed on XX/XX/year> ) These cases are related to a property at XXXX XXXX, where I have never lived. I was unaware of these cases until recently, and they have been dismissed. As these evictions are erroneous and not related to my actual living situation, I am requesting their immediate removal from my credit report. 

Please review the attached documentation, which includes court records that prove the dismissal of both cases. I kindly request that you remove these incorrect eviction records from my file within XXXX hours, as this matter is critically affecting my ability to secure a home. 

I would appreciate a confirmation of receipt of this letter and the removal of these items from my credit report. 

Thank you for your urgent attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-07-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (CA)

This is the second complaint I've had to file against Flagstar Property Loss. Flagstar sent me the final reimbursement payment from the major water damage to my condo that initiated in XX/XX/XXXX and was finally resolved XX/XX/XXXX. I paid out of pocket so that the construction could move forward and was to be reimbursed. Attached is an email of the second and final reimbursement check in the amount of {$39000.00} issued on XX/XX/XXXX. The check was received in my mailbox several days AFTER I had left the country for an extended period of time. I informed Flagstar of this several times prior, asking them to expedite the reimbursement check. Intentionally, they withheld it. I communicated with them several times while out of the country informing them that the check was valid for 180 days, I had a copy of the check and that it was in a safe holding in my home. Several times, I communicated to them that I was in receipt of the check and would deposit it upon my return. On XX/XX/XXXX, I deposited the check to my credit union. On XX/XX/XXXX, I received a notice from my credit union showing the check had a stop payment and was returned, deducted from my account with a service charge. When I spoke to the supervisor XXXX ( ID # XXXX ) from Flagstar Property Loss at XXXX PST XX/XX/XXXX, she informed me that my credit union returned the funds to them with no explanation. She further informed me that a new check was already reissued to me and in the mail as of XX/XX/XXXX. When I asked for a copy of the check and the check number, her story changed to they were currently the process of reissuing the check and did not have a check number. I asked for an email confirmation that my credit union returned the check for no apparent reason, along with a copy of the new check. I have not been provided that information as of yet. My credit union confirmed there was a stop payment on the check which was why the check was returned. Flagstar has habitually lied to me, acted negligently throughout this entire process, have intentionally withheld funds from me and now illegally placed a stop payment on a reimbursement check and lied again.
Consumer complaint received 2018-10-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NH)

Due to canceling my escrow account and bi weekly payments, Wells Fargo informed me that my mortgage has been adjusted to a lesser payment to reflect the changes. I already had fund with the bank to cover my XXXX mortgage payment short {$43.00}. The bank accepted the short payment and emailed me requesting the shortage of {$43.00}. A couple of days later I made an online payment to cover the shortage. Wells Fargo mishandled the payment and never apply it toward my XXXX mortgage payment it's been like 2 months and hundred emails and the issue has not been resolved to date. I'm requesting that my {$43.00} be applied toward my principal ASAP.
Consumer complaint received 2017-03-26
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL (NY)

I had signed and agreed to 0 % interest for 5 years for a medical procedure that was not covered by insurance. I set a direct payment from my checking account to CareCredit and therefore was not late with any payments. Two years later, I received a statement that was over and above the balance. I called and spoke to XXXX and was told that interest had now been added. I explained that my agreement was for 5 years, interest free. I then told him that I would pay the remainder of the balance of {$11000.00} in full plus XXXX and XXXX payments but that I would not pay any interest on the balance. XXXX tried to to waive the interest but the system would not let him. He told me to contact customer complaint in 3-4 days. I did and received a new reference. The issue has not been resolved and collection companies continue to harass me via emails, USPS and phone calls to pay the interest with a new amount of {$3300.00}.
Consumer complaint received 2017-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (IL)

My complaint relates to the way American Express investigated our dispute with XXXX XXXX XXXX ( XXXX ) in XXXX Missouri which started in XXXX of 2016. Now that the dispute is a year old American Express has closed it. Throughout the dispute process we were told to contact XXXX in order to come up with a resolution. WE attempted to do this. However, once American Express paid XXXX, XXXX would not return our calls, emails or snail mail. American Express sent us documentation sent to them from XXXX which appeared to indicate that we used the third party time share exit team XXXX XXXX XXXX. We were unable to use the XXXX XXXX exit process because XXXX XXXX asked us to sign a totally blank enforceable agreement form which we refused to sign. XXXX then told us that we could drop out of the process. So the amount of money that we charged on our American Express card - {$2.00}, XXXX which included {$750.00} for XXXX XXXX XXXX should have been refunded back to us. American Express did not do this because XXXX told them that we owed them {$2.00}, XXXX. XXXX knew that we did not use XXXX XXXX XXXX and when XXXX XXXX XXXX from XXXX was talking to us he referred us to another time share exit team, XXXX XXXX XXXX, also in XXXX,. So we opted not to use this group either. So we opted not to use this group either which according to Better Business reports, was under investigation. So we opted not to use this group. We tried to open another dispute with American express with the {$750.00} amount subtracted but American Express said it was too late that they had already paid XXXX. XXXX has our money which means that technically we are members of this group but they have not communicated to us in any way to even acknowledge that they we are technically members of XXXX even though we do not want to be members and only joined because we were told that this was the only way we could access the exit team that they could guarantee would get us out of our XXXX resort time share. Unfortunately, the XXXX promises that we were depending on were all verbal. We understand that according to contracts that we signed with XXXX we owe them some money but not the money that went toward a time share exit team that we clearly did not use.
Consumer complaint received 2016-11-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (NY)

Equifax will not lift unfreeze credit report for ID theft victim without payment of applicable fee. 

I mailed Equifax a notarized ID theft victim affidavit and declined to go to the police. I asked that my credit report be frozen. I am now asking it be unfrozen, however Equifax is demanding a {$5.00} fee. 

Since I am a identify theft victim, I decline to pay the fee and want my report unfrozen free of charge as per state law. 

My PIN is XXXX.
Consumer complaint received 2021-11-25
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX CAP XXXX AUTO XXXX