davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Dear CFPB Representatives : I am writing to file a formal complaint under 15 USC 1681, the Fair Credit Reporting Act ( FCRA ), regarding an account that appears incorrectly on my credit report. The account in question is closed and was reported by the creditor XXXX XXXX  ( account number : XXXX ). 

Below are the specific issues I have identified : 1. Incorrect information in all three bureaus : The account in question contains errors in all three major credit bureaus ( XXXX, Experian, and XXXX ). Despite the account being closed, the reported data contains inaccurate and misleading information that is negatively affecting my credit score. 
2. Violation of 15 USC 1681 : Under the FCRA, consumers have the right to accurate and fair credit reports. By failing to correct these errors despite my previous attempts to resolve the situation directly with the creditor and the bureaus, my right to an error-free credit report is being violated. 

I request that the CFPB take the following actions : * Investigation and Removal : Conduct a full investigation of the errors mentioned and order the removal of this account from my credit report at all three bureaus ( XXXX, Experian, and XXXX ). 
* Notification of Results : Provide written notification of the results of the investigation and corrective actions taken. 

I appreciate your prompt attention to this matter and look forward to a favorable resolution that meets the requirements of the FCRA. 

Sincerely,
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (MO)

The deletion or suspension of accounts stemming from a data breach or unauthorized inquiries is governed by the FCRA Section 605B, which addresses the blocking of information resulting from fraud or data breaches [ 15 U.S.C. 1681c-2 ], as well as the FCRA Section 604, which outlines permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. 

I am writing to formally dispute the accounts referenced in my consumer credit report, which have arisen due to data breaches or fraud. I kindly request verifiable evidence containing my signature or electronic signature. This letter represents my personal request, and I urge careful consideration. These actions were undertaken without proper validation or original documentation from the reporting companies, constituting a violation of my consumer rights under the Fair Credit Reporting Act, specifically Section 605B [ 15 U.S.C. 1681c-2 ] and Section 604 [ 15 U.S.C. 1681b ].

Your agency is in violation!

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have tried on several occasions to rectify this issue with XXXX. They are reporting 2 accounts on my credit report as being 120 days past due in 2014. When I contacted them they admitted that they knew the accounts were not past due but due to paperwork and processing times my accounts will be reported as such. This is illegal and fraudulent and I am extremely unhappy about it. I have several other loans with XXXX and none of them have ever been late or delinquent so I am not sure why they are giving me these issues. I want them to report my account accurately by removing these fraudulent late payments immediately. I will not give up until I receive justice. I work really hard to keep my credit clear and this issue is so upsetting.
Consumer complaint received 2017-09-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MS)

My wife and I have been involved in a suit against Ocwen for the third time, along with an illegal foreclosure, they have also, been crediting our account late in nearly every instance up to over 30 days late, never receiving a statement as to how they posted the checks, and playing with the numbers on our escrow. We continued to pay on the mortgage until they returned our check and would not accept any payments till the shortage was satisfied. The payments were in excess of what Ocwen originally set at the previous closing which we knew was not enough to fulfill the escrow requirements. Ocwen also would n't let us make payments on line, so when we discovered the payments going out of our checking late, we started sending them certified return receipt. Both first and second mortgage payments were mailed together. The list goes on and on! We are hoping that you can intervene and assist our attorney in settling this matter which has thus far cost us in way excess of {$30000.00}. They have kept us completely in the dark as to our mortgage, and has kept our property in hawk for the last 9 years. We have had mortgages all our life and have never been treated like this! We currently have a lawyer trying to settle this, but it seems like it just keeps going on and on. 
Note that our attorney has a telephone conference with them and a Judge to resolve this however they are not offering nearly enough in compensation, and we have applied for a new mortgage in order to rid ourselves of dealing with OCWEN. The time line is very close the telephone conference is on the XX/XX/XXXX and the bank is waiting on the finial appraisal. 
XXXX and XXXX XXXX
Consumer complaint received 2017-09-27
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

I sold my fathers home after he XXXX and was rightfully due all escrow overpayments as well as a check that was sent in my dads name. The check was for compensation for how I was treated during a loan modification for the home which I applied for after his XXXX. I sent Wells Fargo mortgage all of the documents they requested to receive the escrow and check, in my name. This process started as soon as I closed on the house on XX/XX/XXXX. I also requested they send me back some of the fees I paid, which they agreed to do. I received several letters from different loan dept employees. Some asking for more documents ( which I immediately sent ) some asking for docs they 've already received ( which I called and verified ) and some stating they need additional paperwork which they could n't even state what they needed because it was a legal matter and I 'd have to contact an attorney. I showed an attorney everything I sent to Wells Fargo and he said there is nothing more they should need from me and sees no reason why they are holding my money. I 've made several calls to the mortgage dept and NEVER got a straight answer about whet more needs to take place for me to receive my money. I spoke with them on the phone at least a dozen times. The last two calls I made was the last straw. I was told that a check was sent out to me and that it was endorsed and cashed on XX/XX/XXXX. I never received any check from them so I asked her to scan and email a front and back copy of the check so I could see who forged it. She said they were not allowed to do that. So I asked what the endorsement on the back showed and she said it was n't legible. I asked her where the check was mailed to and she said it went to the home which I sold. I asked why would it be sent there when they were paid in full for the home and knew I no longer resided there. ( I had given them my new address, several times ). She had no answer for that. I asked her to send me some sort of proof that a check was ever sent and she said she could n't but I would be receiving a letter from them about the issue. I said well the only issue is I want my money and you are refusing to pay it to me .... PERIOD!! To date, I have not received any correspondence from them, whatsoever. 
I have been treated like a criminal from day one from Wells Fargo mortgage dept employees. I do n't have the money to hire a lawyer nor should I need to. I have never dealt with more unprofessional, or inadequate employees in my life!
Consumer complaint received 2017-09-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (MA)

On the XXXX of XXXX XXXX I was charged {$80.00} XXXX, and on the XXXX of XXXX I was charged {$50.00} by a franchisee of XXXX XXXX. The Franchisee is named XXXX XXXX. These are NOT all the transactions I have made with said franchisee, but these are the only two transactions with the franchisee that Bluebird by XXXX will allow me to dispute. 

On or around the XXXX of XXXX the named franchisee went into my place of employment, broke into my locked toolbox and took back tools that had been paid off. 

The reason said franchisee stated was " I have n't heard from you in months '' which is completely untrue and absolutely fabricated, as a {$50.00} payment was made just 7 days prior and I had seen the franchisee in person. I have since learned that this a tactic sometimes used so that the franchisee can essentially sell the same tool twice! I learned that the franchisee discretely sold a socket set that was taken from me to my very boss, whom I work with. 

I have a paid attorney who has assisted me in filling out a " declaration of damages '' for filing in a local district court. These damages are being claimed against XXXX XXXX, but have not yet been filed, as I would rather have a determination from Bluebird to proceed, as this would substantially help my case against the franchisee. I am not by any means trying to gain here, I only want the money I work very hard for back. 

I mention this because when I disputed the last two transactions made with the franchisee using XXXX XXXX XXXX, I alerted XXXX I was taking this franchisee to court. I was asked to prove this in a manner that made me feel as if i was lying, and making this story up, as if I have n't been victimized enough. 

I have paid approximately {$400.00} US to this franchisee and am able to only dispute a total of {$130.00} with XXXX XXXX XXXX. I learned this morning the {$80.00} dispute was denied, and XXXX has thus far not only refused to give a reason why, but I was told over the phone on the XXXX of XXXX XXXX, that the dispute refund was GRANTED and I should see it in my account by today! ( The XXXX of XXXX XXXX ) I apologize if this seems long but this is something I have been dealing with for a couple of month 's and am now becoming rather agitated over. It may seem like a small sum of money, but as an auto technician, this is money hard earned. 

I truly appreciate any help in regard to this matter.
Consumer complaint received 2017-11-16
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Cottonwood Financial Ltd. (IN)

CAS STORE ALOTTED ME A LOAN IN XXXX, I THOUGHT I PAIA IN FULL THE BALANCE! 

CASH STORE SOLD THE DEBT TO XXXX XXXX XXXX IN XX/XX/XXXX AFTER SOL EXPIRED IN ILLINOIS. 
ALSO WENT ON MY CREDIT REPORT W/O VALIDATION AND CALLED MY DAD 11 TIMES OVER 45 DAYS.. 

THE COLLECTOR VIOLATED FCRA, FDCPA AND TCPA ALONG WTH COLLECTING ON A ZOMBIE DEBT.
Consumer complaint received 2017-11-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

XXXX XXXX XXXX {$200.00} dollar credit Limit {$120.00} owed My identity information has been previously compromised and used to open several accounts and inquiries without my permission. This is just one of the accounts that was opened that I do n't recognize. This is fraudulent account.
Consumer complaint received 2017-09-27
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Enterprise Systems, Inc. (CT)

My original complaint is with XXXX - # XXXX regarding a student loan. XXXX response to CFPB and myself XXXX XXXX, they ask me to contact National Enterprise Systems, I received a letter from National Enterprise Systems , Inc. regarding a co-borrower release on this account ( s ) and to release me form obligation to XXXX XXXX in the amount of {$4000.00} by XXXX/XXXX/XXXX. " To take advantage of this tremendous savings to you, contact us today at XXXX XXXX XXXX XXXX. So I took the paperwork to my Credit Union for a Loan, and they suggest that I verify the information in this Letter. because I had on going issue with XXXX I am including CFPB. 

XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX
Consumer complaint received 2017-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (GA)

Navient keeps adding balances to my loan account. This is adversely affecting my credit score. I am currently in the process of financing and their frequent updates are detrimental to this process. Navient did not have my correct contact information and I was not notified when my loan was taken out of forbearance.
I took out the loan in XX/XX/XXXX with XXXX XXXX/Navient for the amount of {$23000.00}, the school I attended was XXXX XXXX University in XXXX  Georgia. XXXX refunded XXXX XXXX/ Navient the amount of {$7700.00} on the date of XX/XX/XXXX. Then reducing my balance due to {$15000.00}. Navient failed to provide me with the paper work showing my reduced loan balance that was due. Navient failed to provide me with the paper work with my updated reduced interested rate, and they failed to update my account online ( navient.com ) reflecting this change to my account, my account never reflected the reduced balance, nor the reduced interest rate. Navient has continuously charged me an illegal amount of interest and fees. I had to contact Navient and provide them with my updated contact info only to be informed that my amount due is {$36000.00}.
I have been paying on this loan since XX/XX/XXXX- XX/XX/XXXX ( view paperwork it is highlighted ).
Navient has been reporting incorrectly to the credit bureaus as FAILURE TO PAY. Navient has been reporting the incorrect original balance of the loan.
Navient has reported the loan as closed/charged- off and has been continuously reporting false, fraudulent, incorrect information.
Please view the paperwork I have attached. It will show the payment history over the life of the loan to navient as well as my credit report that has the incorrect balance and payment history remarks.
I respectively ask that the dates from XX/XX/XXXX - XX/XX/XXXX be removed and set to current. I also want all loans older than 6 years off of my credit report, as that is more than the SOL ( statute of limitations ) for my state. I request this error be corrected ASAP ( AS SOON AS POSSIBLE ), as Navient is doing illegal collecting and reporting practices.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (KY)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

This is not sent in error, I am so stressed out and frustrated writing this complaint. Do you know or have any idea how distressing it is when youre working your way off honestly, then you look at your credit report erroneous information everywhere that has negatively impacted both my credit score and my life, it is my literal lifeline during emergencies, and every paycheck is an emergency.
Consumer complaint received 2017-11-15
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. (SC)

There is a collection account from XXXX XXXX XXXX on my credit repoorts for the original Creditor XXXX XXXX XXXX MED CTR. This bill was for my father of the same name, except he is XXXX and I am XXXX. His address was forwarded to my address when he passed so there has been a lot of confusion with his accounts being mine because of address and same name, etc. The account was in his social security number. I have asked for it to be removed from all my credit reports stating that it was not mine, and also with the credit collection company. They have not. I have also asked for documentation where they think it is mine and documents with my social security number. I have done this multiple times. They have failed to provide such information. I want it removed from my credit report immediately. 

Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Account information : Partial account number : XXXX or XXXX How appears on report - XXXX AND EXPERIAN COLLECTION AGENCY - XXXX XXXX XXXX XXXX XXXX ORIGINAL LENDER - XXXX XXXX XXXX Med Ctr XXXX XXXX XXXX Med. Ctr ORIGINAL BALANCE - {$3300.00} {$3300.00} CURRENT BALANCE - {$3300.00} {$3300.00} STATUS - Collection account Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's public collection department DATE ASSIGNED - XXXX XXXX, 2011 XXXX XXXX, 2011 ACCOUNT NUMBER - XXXX XXXX ACCOUNT HOLDER - Individual Individual DESCRIPTION - Account information disputed by consumer
Consumer complaint received 2017-11-15
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (OH)

The student that I received was a pell grant based off low income and a XXXX XXXX totaling XXXX. The teacher that has taught me before at XXXX XXXX has done the same thing. She and her daughter have filed a high interest student loan and then cashed it. She has also spent a credit worth XXXX XXXX in a hour at XXXX on a XXXX  XXXX XXXX card. My other complaint is the classes I took? I am not advanced placement anything. I also took cad for basic tooling and I found cad for architecture in a software bin at my parents. 
I apologize for the squabble with my brother but I think you 'll find my case interesting if you pull my student I.d . And my recent drivers license. I know that the student id has XXXX eyes and hair. I have XXXX XXXX eyes and XXXX XXXX hair. I just think it 's probably my brothers revenge for his failed XXXX. At leads.
Consumer complaint received 2017-09-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP (NV)

After XXXX years of being together, my partner XXXX and left me with this hardship. I want to continue living in my house ; however, the servicer of the mortgage basically refuses to help. My loan at origination was a XXXX XXXX insured mortgage. In XX/XX/XXXX when my partner refinance our house, it continued to be a XXXX XXXX insured mortgage. Earlier this year I had my mortgage servicer, XXXX, process my application for the XXXX XXXX Refi ; however, while awaiting a determination, XXXX ( or whomever ) sold my mortgage to an investment pool and switched servicing of my mortgage to Selene Finance. Although my mortgage no longer shows up in XXXX XXXX 's database as current, per se, it is still insured by XXXX XXXX and the servicer has to follow the servicing guidelines. 
Selene had told me that they acknowledge that XXXX was being processed as a XXXX XXXX refi ; however, they will not be processing anything as a XXXX XXXX. They claim investor 's are not subject to servicing guidelines. 
Although I am fully aware that this agency can not tell a servicer ( unless its a XXXX ) which foreclosure mitigation options they must offer, your recent rule amendments in XX/XX/XXXX indicate that services must provide comparable foreclosure mitigation options ( and that you look at XXXX 's as the standard ). 
After Selene informed me they can offer what service foreclosure mitigation options they want and wont follow XXXX, I asked what foreclosure mitigations do they have? Are there any options that exists that is similar in nature as I want to keep my home? No meaningful information was forthcoming. 
Moreover, I asked if there was anyway I can view these foreclosure prevention plans that they do offer - I even asked if they publish it anywhere, including online. They stated no, they do not have this information available to provide. 
These actions are in non compliance with the rules of regulations under your authority. I am about to lose my house as a result of businesses being allowed to run amok to the detriment of citizens like myself. Unfortunately for me, I am a long-term, XXXX XXXX and XXXX, and I will impacted more severely as a result. 

No meaningful action has been taken by Selene regarding my hardship and the obligations required upon them. 

Lastly, I am attaching a copy of a Securities instrument proving that my mortgage is still insured by XXXX XXXX. My loan # with Selene Finance correlates with the Securities instrument attached issued by XXXX XXXX proving my statements. 

Please help.