davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-25
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. (IL)

In accordance with the Fair Credit Reporting Act, the following list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. According to the Fair Credit Reporting Act, 605 Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years I have requested XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXXXXXX # : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts if it isn't reporting correctly. Also. 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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Consumer complaint received 2023-09-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

I have called the SPS service center several times in the past few weeks and as of XX/XX/XXXX the XXXX XXXX XXXX is still showing that the taxes have not been paid ( at the time of this writing XX/XX/25 I have paid the taxes out of my own account plus the penalty ). Per my conversation with the last agent, they advised me to send this letter via fax and email ( which I have done ). Since SPS is escrowing my taxes and responsible for paying my taxes on time, it is SPS responsibility to pay the interest due for being late. Taxes are due on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have attached the letter showing that the taxes are late, a copy of the tax statement from XXXX XXXX and a screen shot showing the interest for the delinquent taxes as of XX/XX/XXXX. I have also requested a release from my escrow account since SPS is not servicing my account as needed. I own several properties and others in the past and have never had any of my mortgage companies pay taxes or insurance late. I want a response within ( 5 ) business days or I will send this to my attorney ( they have yet to respond ). My contact information is listed below. I have emailed, faxed and uploaded this letter to my documents to SPS website.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : XXXX Emails : XXXX, XXXX Date of Birth : XX/XX/XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX Re : Dispute of Fraudulent Account Reporting - Consumer ID XXXX To Whom It May Concern, I am writing to dispute the reporting of a fraudulent account that appears on my consumer report, which is maintained by your agency under Consumer ID XXXX. The account in question was reported for overdrafts by Chex Systems , Inc., and the details are as follows : - Account Holder : XXXX XXXX - Date of Birth : XX/XX/XXXX - Reported Address : XXXX XXXX  XXXX XXXX, XXXX XXXX, CA XXXX - SSN/ID : XXXX - Driver 's License : [ State ] - Date of Closure : XX/XX/XXXX - RTN/ACCT # : XXXX / XXXX - Original Charge Off Amount : {$370.00} - Closure Status : UNPAID - Closure Status Date : XX/XX/XXXX I am disputing this account on the grounds that it was opened without my knowledge or consent due to fraudulent activity. I have not authorized the opening or operation of this account, and I have no affiliation with the financial institution associated with it. 

Enclosed with this letter are documents that support my claim of identity theft and fraud, including copies of police reports and any relevant correspondence with the financial institution. 

I kindly request that the Consumer Financial Protection Bureau conducts a thorough investigation into this matter and takes the necessary actions to address the fraudulent account reporting on my consumer report. I am seeking the removal of this account from my consumer report and a correction of the inaccurate information related to it. 

I understand the significance of accurate consumer reporting in maintaining the integrity of financial information and protecting consumers from identity theft and fraudulent activity. Therefore, I trust that the Consumer Financial Protection Bureau will give careful consideration to this dispute and work diligently to resolve it. 

Please inform me in writing of the results of your investigation and any actions taken to rectify the situation. 

If additional information or documentation is needed from my end to facilitate this process, please do not hesitate to contact me at the phone numbers or email addresses provided above. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution and the removal of this fraudulent account from my consumer report. 

Sincerely, XXXX XXXX Enclosures : [ List any enclosed documentation, such as police reports or correspondence with the financial institution ]
Consumer complaint received 2023-09-25
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (OH)

My XXXX statement period ended XX/XX/2023, the balance was reported to the credit bureaus on XX/XX/2023, per the information on my credit report. This is the same for every month prior. I paid the full statement amount on the card, over {$6000.00}, on XX/XX/2023. I knew this would not be reported to the bureaus until the statement period ended, which was XX/XX/2023. The card was also converted from a Comenity MasterCard to a Bread Financial American Express on XX/XX/2023. Bread Financial says this has had no bearing on the delayed credit reporting. They also stated they sent the reports to the bureaus on XX/XX/2023 as they do every month. This is inaccurate. The credit bureaus have not received this report. My most recent credit reporting seems to be lost between Comenity and Bread in their recent acquisition or conversion. They are required by FCRA to report my account accurately and timely, which they are not. Their response was to wait 45 days and see if it posts. This is unacceptable.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 2023-09-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (NY)

I was forced to switch to MOHELA because I am a high school teacher seeking PSLF. With repayments starting again, I filed as a new client with MOHELA for the new SAVE repayment plan. I had used MOHELA 's repayment calculator providing all information on adjusted gross income and my new wife 's financials. It was estimated I would have monthly payments of {$300.00}. My first bill due this XXXX amounts to {$890.00}. I called and waited on hold for 2.5 hours before a representative filed a new IDR request for SAVE. XXXX, the representative, stated that my estimated repayment on SAVE would be {$300.00}.

Now the request is in process for review. There is no guarantee the SAVE payment will be {$300.00}, so I must pay {$890.00} unless I take a forbearance. Taking a forbearance would then make me miss a count on PSLF.

More so, with a AGI of {$69000.00}, how can my payments total {$890.00} considering they are capped maximum of 10 % discretionary? 

It seems I filed for SAVE like I should, MOHELA says I owe {$890.00}, I re-file for {$300.00} if and only if they accept that as my SAVE monthly payment. This process is abhorrentXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am getting gutted for the payment amount. It does not align with anything the new SAVE program details.
Consumer complaint received 2023-09-25
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY (AZ)

Card was set to auto pay, which stopped without notice, accruing several months of late fees. During this period, monthly emails that had been sent reminding me of payment also stopped. Issue was only discovered after a drastic drop in credit score.
Consumer complaint received 2023-09-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (FL)

My request is for MOHELA to review my account and count 48 payments made from XXXX as eligible payments for PSLF, as I was with a qualifying employer and on an income based repayment plan. XXXX  ( the Florida Department of Education loan holder ) is making it hard for me to process a TEPSLF by declining to upload to the Department of Education National Database, payments I made from XXXX. I filed for a hardship in XXXX and requested from the Florida Department of Education to reduce my monthly student loan payments. I was placed on an income based repayment ( see form attached ) I made 48 consecutive on-time payments ( payment history is attached ). A MOHELA supervisor ( case number XXXX ) instructed me to ask XXXX to upload the payments to the national database. XXXX has declined putting me behind on PSLF. Nothing has been reported since XXXX. XXXX emailed me my payment history and I uploaded it to the MOHELA website and have attached it here. I request MOHELA review my account and count these XXXX payments as qualifying payments for PSLF.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

My address on my credit report are incorrect I would like to ensure you only retain CURRENT, COMPLETE and TRUE information in my credit file. Per FCRA regulations ANY and ALL other information I DEMAND as my lawful rights to be annulled. I DO NOT AUTHORIZE you to mis-report any information now or EVER.
Consumer complaint received 2023-09-25
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. (MO)

I requested a dispute into a debt collector ( XXXX XXXX XXXX XXXX XXXX ) on XX/XX/ and I received the response back on XX/XX/ via electronic saying the information was verified as accurate. I don't believe TransUnion verified this debt legally and accurately because I don't owe a debt to this company or any company. XXXX XXXX never sent me a letter or statement asking for payment of this allege debt.
Consumer complaint received 2023-09-25
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. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX5 USC 1681.

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 2023-09-25
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (AZ)

I have an American Express business credit card that has a fraud alert on there and back on XX/XX/XXXX I sent in documents stating who I was and also notarizing a paper that American Express provided to me. I also sent it in a copy of my driving license and a copy of my passport sent who I am and they said that it was gon na take 3 to 5 business days to fix it. Were now at a month And three days and I still can not get a supervisor to talk to me. I get all of these people talking and they said the quickest way is to go through notary cam. I tried that they cant get the questions that come up to ask me, so thats not an option so I went to the bank and today XX/XX/XXXX on the month and three days I got a call from American Express not saying that my card is unlocked. They are saying that they did not accept my documents saying that theyre going to go to that I need to go to a XXXX XXXX or a XXXX XXXX  or a bank, which I went to a bank, XXXX XXXX to be exact to get my paper notarized, and I sent it to them
Consumer complaint received 2023-09-25
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Nelnet, Inc. (GA)

Back in XXXX and XXXX I requested aid for federal funding and since then I have been making so many payments through so many Loan Forgiveness programs and none of those payments moved the needle not even an inch not to mention the payment that appears to be owed has quadrupled in interest. There's no way i'll ever be able to buy a house if this fraudulent debt continues to stain my report.
Consumer complaint received 2023-09-25
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 inructions 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 2023-09-25
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. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2023-09-25
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)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I requested that Equifax remove all inaccurate information from my credit report specifically about a debt collection from XXXX XXXX XXXX, failure to do so is violation of 15 USC 1692 ( C ) ( C ) AND 15 USC 1692 ( G )