davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (IN)

On my equifax, XXXX, AND Experian credit reports, it does not show all of my open credit card accounts. On my equifax, XXXX, AND XXXX credit reports, it only it should show XXXX open accounts total XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX credit card XXXX XXXX bank credit card my XXXX credit card account when it should show XXXX open accounts total XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX credit card XXXX XXXX bank credit card
Consumer complaint received 2022-08-05
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. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I'VE BEEN A VICTIM OF IDENTITY THEFT. MY INFORMATION WAS EXPOSED IN THE XXXX XXXX DATA BREACH, AND I HAVE HAD SEVERAL UNKNOWN SCAMMERS OPEN UNAUTHORIZED ACCOUNTS USING MY INFORMATION. THIS IS CAUSING FINANCIAL HARM TO ME. I AM ALSO UNABLE TO GET A CAR LOAN OR A HOME BECAUSE OF THIS. I NEED THESE FRAUDULENT ACCOUNTS REMOVED PERMANENTLY AND IMMEDIATELY!
Consumer complaint received 2022-08-05
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MA)

I did contact the XXXX XXXXXXXX for the 4th time in 8 months regarding the same thing, I called again today 's XX/XX/XXXX at XXXX XXXX duration of call 44 min, spoke with XXXX one of the supervisor, I asked again to please remove the 2 late payment from XXXX and XXXX XXXX, and I explained that late payment was from my hardship in that year and it is causing me problems and also its violates my rights according to violation of the CARES Act during the COVID-19 Pandemic.
Consumer complaint received 2024-10-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (MN)

Interest capitalization events occurred on the 10 loans serviced by Mohela on XX/XX/year>XXXX  and XX/XX/year>. These loans are in an administrative forbearance due to court issued injunctions. {$12000.00} in interest was incorrectly capitalizied on my account causing balances to increase. Please correct this.
Consumer complaint received 2024-10-23
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. (TX)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2022-08-05
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: ADP Inc. (NJ)

XX/XX/2022 I contacted the customer service number XXXX XXXX from my Wisely card mobile app after a transaction failed to post. After speaking to a representative I was told that the employers account was no longer active, and was told that I would need to upload 2 forms of ID to unlock my account. After the third time uploading the documents with the provided link sent to my phone the representatives continually tell me that they have not been received the documents. 

I've asked them is there other way to verify the information required no response other than to retry it again. 

I've attempted this afternoon to call using the ADP support help center line XXXX XXXX which is ONLY for business clients not employees. So after searching their site and finding a hissycat complaint form I've finished filing my complaint on the ADP website.
Consumer complaint received 2022-08-05
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. (TN)

I sent my letter off on XXXX XXXX. I told the credit bureaus to " investigate EVERY piece of information '' on the accounts I have listed below. I stated 15 USC 1681 andAlso, I have attached tracking info XXXX 
According to the FRCA, the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living, is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on, or with others with whom he is acquainted or whom may have knowledge concerning any such items of information. 

They stated my account was verified nut how is that possible if they did not do a proper investigation according to the law? Also, every piece of information on these accounts are still not reporting 100 % accurate and according to the FRCA USC 1681, everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 

Accounts : 1. XXXX  -Acct # XXXX 2.XXXX XXXX Acct # XXXX 3XXXXXXXX XXXX XXXX - Acct # XXXX 4.XXXX Acct XXXX XXXX 5. XXXX XXXX Acct # XXXX 6.XXXX # XXXX 7. XXXX XXXX Acct # XXXX 8.XXXX XXXX- Acct # XXXX 9. XXXX XXXX Acct # XXXX
Consumer complaint received 2023-02-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I called the 3 Credit Bureaus after I purchased a credit report with XXXX  on XX/XX/XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were erroneous items on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/XXXX. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, and XXXX, and hoping that these items will be corrected. 

XXXX XXXX Balance  : {$18000.00} ; XXXX  XXXX Balance  : {$13000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY (NJ)

On XX/XX/2022 I sent Wells Fargo Auto a certified letter requesting written proof or a valid signature for a loan application made with XXXX XXXX which shows on my credit was an inquiry. Today, XX/XX/2022, I receive a letter from Wells Fargo Auto stating I applied for the loan. That is it, they did not provide proof or a valid signature and have refused to remove the inquiry which has violated my rights under the Fair Credit Reporting Act.
Consumer complaint received 2022-08-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NY)

Upon looking into my payment history and my account in general I have noticed several areas of discrepancy. I have not requested years of forbearance yet there are years or forbearance periods on my account. I have had this consolidation loan with Navient formally XXXX XXXX since XX/XX/XXXX. I XXXX  college in XXXX. Yet instead of having repayment each year I have huge gaps in my repayment using forbearance that I did not request, the first being from XX/XX/XXXX XXXX when it then states I entered repayment. Then I have Forbearance periods for a month or 2 in-between repayments until XX/XX/XXXX when against my knowledge I was placed in Forbearance status again this time from XX/XX/XXXX to XX/XX/XXXX. ( during COVID ). I am a family of XXXX and have had a " XXXX '' payment each time I have recertified my plan so there is no reason that I would request forbearance since my income has remained stable. I am more that happy to provide family size and tax return information during the years of unauthorized periods of forbearance. I have called and attempted to speak to representatives who hang up on me. This is unacceptable practice and if not resolved I will be seeking further action.
Consumer complaint received 2024-11-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/2024 Subject : Formal Complaint for Inaccurate Late Payment on Credit Report. 
Dear CFPB, I am submitting a formal complaint against TransUnion for its failure to correct inaccurate information regarding late payments reported on my credit report for account XXXX. Despite multiple requests for correction ( letters dated XX/XX/2024 and XX/XX/2024 ), my requests have been ignored. As a result, TransUnion is in violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations : Under 15 U.S. Code 1681i, credit reporting agencies are mandated to ensure the accuracy of information within consumer files. The continued reporting of incorrect late payments on my account directly breaches this requirement. Additionally, according to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on this account suggests a failure to comply with this requirement. 
TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The misreporting of late payments on my account has adversely impacted my creditworthiness, causing undue harm. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : This act underscores the responsibility of creditors to provide timely statements, thereby preventing unfair penalties to consumers. The inaccurate late payment reporting on this account directly violates this protection, affecting my financial standing. 
Account Information and Discrepancies : TransUnion TransUnion continues to report multiple late payments, despite previously submitted disputes. Specifically : XXXX XXXX XXXX : Shows multiple late payments ( XXXX, XXXX, and XXXX  days late ), culminating in a XXXX late payment. 
Days Late - 7 Year History : TransUnion is inaccurately reporting 30 days ( 3 times ), 60 days ( 2 times ), and 90 days ( 5 times ). 
Ongoing Issues and Lack of Resolution Since my last dispute, there has been no change in the reporting by TransUnion. The incorrect entries have persisted despite clear evidence of their inaccuracy. This ongoing negligence has caused significant harm to my creditworthiness and financial well-being. 
I am formally requesting an immediate correction of the inaccurate late payment notation from my credit report, in alignment with XXXX removal of the account. If this matter is not promptly addressed, I will escalate my complaint further, considering potential legal action and additional complaints with relevant regulatory agencies. 
Thank you for your attention to this matter. I look forward to a swift resolution. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-02-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (AR)

I have been working with wells Fargo for most of the last year trying to get a loan modification to get my mortgage back to a reasonable level. They have twice tried to use non judicial foreclose to auction my family 's home. In mid 2022 {$18000.00} from the haf was given to Wells Fargo which only reduced the balance by {$6000.00}. My mortgage payment was higher than it's ever been after they received the money. I do not believe they have followed the correct legal process. I have sent in the information requested by them in numerous times. I've been told they didn't get it or that it was over the deadline. When I would check the status of it I would get told they had everything they needed and to wait for them to contact me only to never hear anything back from them. I have not been provided an accurate accounting even after requesting it.
Consumer complaint received 2022-08-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC (IL)

To Whom It May Concern, Several months ago I viewed my credit reports and noticed a collection from Radius Global Solution for a XXXX XXXX debt. Although I returned the equipment to XXXX XXXX at their request, they did not update my account to a {$0.00} balance and a collection hit my reports. I called Radius Global Solution and the agent advised me that it would be better to just pay the debt and the collection would be removed from my reports. So, that is what I did. Rather than continue to dispute it, I took their advice and paid it. But, to date, the collection has only been updated to a {$0.00} balance and has NOT been removed.
Consumer complaint received 2022-08-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (WI)

my mortgage on my condo was sold and serviced by shellpoint mortgage servicing on about XX/XX/22. about 2 months later I was informed I needed to have hurricane insurance. I did not receive a first notice and responded to a second notice. I was told if I did not get the insurance they would take out the insurance at a higher cost. I proceeded to get the insurance at a cost of about {$200.00}. I was told at that time that they had taken out insurance with there own company for aprox {$770.00} starting when they purchased the mortgage. My previous mortgage company did not require the insurance. I was told they would cancel there policy and I would be refunded. There policy was cancelled and I never received any refund. I have made about 5 calls to there company and been on hold for hours. I was never informed about the insurance, never received a binder or cancellation notice. They just charged me for it and sent me no letters or paperwork. I feel I am being given the run around and they are stealing money for. I keep getting promised return emails and phone calls which I never receive. I received one email.
Consumer complaint received 2023-02-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information
Consumer complaint received 2022-08-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (VA)

I called to have requested for PMI and Escrow to be removed from my mortgage on XX/XX/2022. 
The mortage servicer only acknowledged the PMI be removed by sending me a letter and check for PMI refund. 
I called about why my Escrow wasn't removed on XX/XX/2022 and they said they didn't know. I requested for a supervisor to review the call and notify me why my escrow wasn't removed. 
On XX/XX/2022 I called to ask what the status is of my request for Escrow to be removed and the status of my previous request back in XXXX. They advised me that a call recording pull requires a written notice. They also notified me that the escrow request wouldn't be available for review until XX/XX/2022. 
This implies that my money in escrow is being held hostage and I am attempting to collect a debt from the debt collector.
Consumer complaint received 2022-08-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (SC)

PHH MORTGAGE Services deceptive practices on how much I owned on the monthly mortgage payments with me paying {$1900.00} my escrow shortage paid in full before XXXX of XXXX. Theres unknown balance owned and any other shortages to bring my Mortgage back to {$1000.00}. 
Billing Letter showing my XX/XX/XXXX payment due is {$1200.00}. 
PHH MTG website mortgage bill for XX/XX/XXXX due is {$1100.00} I paid {$1900.00} in full for my escrow shortage. 
Unknown fees not disclosed to correct my normal monthly mortgage amount back to {$1000.00} 10 months of trying to get an answer from PHH Mortgage and I am still waiting now. 
My original Mortgage amount is {$1000.00}. I paid my Escrow shortage of XXXX and now I still own more with no one telling me what is the exact amount that I owned to show my monthly amount back to {$1000.00}. 
I was forced to change Homeowner Insurance because XXXX XXXX  XXXXXXXX XXXX XXXXXXXX filed Bankruptcy in XX/XX/XXXX and drop my homeowner Insurance. I pick up XXXX XXXX XXXX in XXXX of XXXX and PHH will not tell me what I owe them to take care of my shortage in Escrow until XXXX of XXXX and the extra mortgage total amount due to show my mortgage back to its regular amount of {$1000.00}. PHH Mortgage company is running me around since XXXX of XXXX. Today XX/XX/XXXX, four calls to the Mortgage Company and they are still running me around with no answer. 
I have only until XX/XX/XXXX, to make my mortgage payment, then I will be hit with late fees plus no one will tell me the different that I need to pay to show my original normal payments. PHH Mortgage is running me in circle for 10 months and they are setting me up for a Foreclosure if I don't pay them what is owned, and I am unsure all the amount is due. I bought my house in XXXX of XXXX and never had a problem until now. I am 100 % sure that the mortgage company is doing deceptive practices with me. Can someone please help me to get to the bottom of why the Mortgage company is not disclosing total amount due so I can get back on track with my mortgage. 


I believe PHH Mortgage is trying to send me into foreclosed over deceptive practices not disclosing the total amount owned on Mortgage monthly bill. Why will no one at the Mortgage co. give me a straight answer and I have paid them {$1900.00} cent but now it's more money due that was never disclosed to me also more money will be due by XX/XX/XXXX, for late payment. I am confused and just need to know what is the totally amount to get my mortgage back to its normal payments.
Consumer complaint received 2023-02-04
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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
Consumer complaint received 2022-08-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (PA)

Received a phone call at XXXXXXXX XXXX XXXX last night on my cell phone, from the following number : ( XXXX ) XXXX the caller ID said SWC Group XXXX It rang 4-6 times, then stopped. Did not leave any kind of message. When I dialed the number back, I got an automated message, that says Your call could not be completed as dialed. Please check the number and dial again. I looked up the name of this company online, on XXXX XXXX, as well as on XXXX, and found numerous complaints against it as a collection agency. I noticed that much of what they do collections for, is for things like utilities, education loans, etc. To my knowledge the things that they do collections for I have never been involved in, and any student loans that I have had, are 100 % paid off! 
I have gotten ahold of an attorney in regards to this, in an attempt to find out why theyve contacted me, and to get them to stop. I've even submitted a complaint form to the XXXX XXXX XXXX ( case ID # XXXX ) contacting this company by e-mail, with a cease-and-desist letter to get them to stop contacting me. I have absolutely no idea who this company is, and I have checked all my financial records, as well as credit reporting sites, and have absolutely no outstanding debt. As I stated before, the complaints have seen on XXXX XXXX, and elsewhere online or that they're trying to get people personal information, financial information, and have been accused of violating the FDCPA. 
I want it stated again, that to my knowledge, I have nothing, and I mean nothing in the way of any outstanding debt, and I want this company to not have ANY contact with me whatsoever!