davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (PA)

Equifax suffered a data breach that affected 143 million people that are under its service. I used the tool on their page, XXXX XXXX XXXX, to check if this breach has any impact on my ( provided my last name and last 6 of my social security ), it seems that I am possibly impacted by it. All my information including social security number and financial information has potentially been leaked out by Equifax and this is unacceptable. Equifax is trusted with such vital information for such a large percentage of the population, and its unbelievable that a security breach like this was able to happen.
Consumer complaint received 2023-04-17
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (GA)

I was just looking over my credit report and found some inaccuracies that I am demanding you correct. 
According to the Fair Credit Reporting Act, you are required by federal law to ensure that all details being reported on an account must be 100 % accurate and verifiable. If you are unable to fix these inaccuraces for any accounts listed, then per FCRA requirements please remove the inaccurate account entirely from my credit report. 
Here are the inaccuracies I have identified : Account Name : COMENITYBANK/COMENIT Account Number : XXXX Reason : Account is closed Instruction : This account is closed, please investigate why it is not being reported as such or remove it from my credit report because it is reporting inaccurately
Consumer complaint received 2023-10-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Onity Group Inc. (WA)

Dear CFPB, In XXXX my loan was modified and {$85000.00} was deferred and subsequent correspondence with Ocwen Mortgage indicated it could be forgiven. In XXXX Ocwen told me it would not be forgiven and would only be deferred interest free for the life of the loan. FNMA & FHLMC loans at the time forgave the deferred amount. Accept the modification as written or they would foreclose. We made decisions based on the intimidation and subsequently on XXXX servicing mistake, stating in writing it could be forgiven. We made financial decisions based on XXXX servicing lie or mistake. That information is in my previous claim. 

This inquiry is, would this {$85000.00} qualify for reimbursement under the " Rosenthal Act '' cash settlement with Ocwen and PHH for servicing practices? Would the {$85000.00} qualify to be paid off from those funds? 
Thank you
Consumer complaint received 2023-10-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (GA)

I was with XXXX  with XXXX loans until XXXX when I consolidated to take advantage of XXXX. My XXXX  forms were submitted in XXXX, XXXX, and XXXX of XXXX. I was told by Mohela I was slated for forgiveness in XXXX of XXXX because I had enough payment counts based on their looking at my ecfs. 

Long story short, they have not included the years XXXX through XXXX because they say the nslds is not updated. They say they have to wait for XXXX to update the database. The XXXX and the nslds both say that Mohela is the one to update the database. The Mohela site itself says Mohela reports to the nslds. The student.gov site says the nslds is updated by servicers and universities, not the XXXX. Mohela would certainly fall under the servicer category. 

So I am at an impasse. My account should be well over XXXX however they only show XXXX because we are missing those 5 years. XXXX of the supervisors at Mohela said she could see on another database, the cdel (? ), that I began repayment early XXXX. However, they will not update the nslds for an unknown reason that they can't even explain to me other than they are waiting for XXXX. 

I am now about to be billed {$500.00} a month for the next XXXX years until my counts are over XXXX. They have had the paperwork for almost 2 years now ; that should be long enough for the processing they have told me for a year and a half that needs to happen Since this has been nearly 2 years of communications with them, I'm not going to give you a laundry list of dates at this point. I will say that I do have copies of my ecfs, and I also have my printouts from navient showing my payments going back to XXXX. I have also requested formal payment records from navient which should be coming in a couple weeks. 

I have made several complaints to XXXX, to mohela, to the XXXX XXXX XXXX, and to my state representative. Complaint case numbers can be provided as you need.
Consumer complaint received 2023-10-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NM)

Currently banking with Bank of America, they gave me a couple of charges over the years I have being a client with them. Specially when low founds, even when I when a head and deposited the money needed to cover the transaction. They also " process '' transactions in a odd way and I feel like they are double charging on some transactions or causing my account to drop to insufficient founds. for example my wife might spend XXXX on XXXX, the mobile app will show XXXX but under processing, so I " know '' I have XXXX less on my account and it does reflect a total amount minus the XXXX so I do my spending, but by the time it " process '' there is less money than expected even do I took in consideration the minus XXXX like if they took the XXXX again and then when processed another chunk. I read about the complains other people has had with them, and I thought that it was just me thinking I was wrong with the fees and the way they Process transactions.
Consumer complaint received 2023-10-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.
Consumer complaint received 2023-10-09
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Professional Debt Mediation, Inc. (GA)

My coworker received a voice mail on his personal cell phone for me and emailed it to me. The name given was " XXXX XXXX '' XXXX ext XXXX. I first googled the number and saw it was PDM Debt ManagemenXXXX in XXXX, FL. So, I called the number and received " XXXX XXXX ''. He was immediately aggressive with me. I told them to not call my coworkers personal phone numbers. And, how did they even obtain it? That I know the law and my rights. He raised his voice at me and said you don't know anything about the law. When I again said you have no right to contact people I work with on their personal cell he hung up on me. I don't even know why they are contacting me or even how they got my coworkers personal contact information. But, they have been calling my phone number from different numbers repeatedly for a couple of months now that show PDM on the caller ID. I block one number and get a call a few minutes later that shows PDM on caller ID. Then I get repeated calls from numbers I don't recognize from my area code within a few minutes that don't leave messages. I don't return the calls because I get all kinds of spam calls since I've had this phone number for many years and use it for work and personal use. I have not received any debt collection attempts via US Mail so I have no clue what this is even about.
Consumer complaint received 2023-10-09
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BMO Bank, N.A. (CA)

My son a minor has a XXXX XXXX Account opened XX/XX/XXXX, which is protected by law not to allow any withdraw of funds until he turns 18 years of age. The Bank of the West which is now BMO of NA is withdrawing service fee of {$5.00} every month. I called customer service numerous times to be told that this is bank policy. I demanded the bank stop the service fee withdraws and to refund the already {$35.00} of debited service fees. At this rate, the account will be depleted of funds before my XXXX turns XXXX  years of age. I was told by customer service that there will be negative funds and penalties if the account goes below XXXX balance. 

Please, assist me to protect my XXXX by law from such tactics. This type of account was created to protect children and their hard work by Coogan Law. 

I'm attaching a Court case " XXXX XXXX XXXX  XXXX XXXX ( XXXX ) '' which demonstrates that this is illegal to do by the Bank.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I have previously disputed the accuracy of payment to XXXX XXXXXXXX as reporting this account as late for 120 days. I was never late on this account and it is damaging to my credit profile. This account need to be updated to a positive payment history immediately. This account was updated with XXXX and XXXX but Equifax isn't being helpful at all and continues to report negative and unverified payment history that are very damaging to my credit profile.
Consumer complaint received 2023-10-09
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: Experian Information Solutions Inc. (NY)

I am contesting the information on my credit report that I believe is not correct. According to the federal and state laws that apply to me, you are required to report information accurately and completely. You should not keep or report anything that you know is not in compliance with the law or regulations.I am writing to let you know that you need to make sure everything in my credit report is accurate. This includes making sure that you adhere to all FCRA and XXXX XXXX format reporting standards. For every account that youre reporting, I need evidence ( physically verifiable ) that you verified the information to be accurate and compliant. For every inquiry I request proof that you confirmed that the creditor had a permissible purpose.I am giving you a month to investigate this matter and determine whether it is still accurate, valid and in compliance. If you can not provide proof that the information is accurate, compliant or valid I demand that you remove it from the report.I would also like for you to mail me physical proof of the actions you have taken to correct my credit report and a new updated report. This will help me stay updated on the progress you are making.The following items on my report appear questionable! Please certify that all claims are true and accurate, complete and timely reported. If not, please delete immediately.
Consumer complaint received 2017-12-29
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: EQUIFAX, INC. (FL)

My name is XXXX XXXX. The credit bureau is refusing to remove a past due debt from my credit report that is not mine. This account is under a company called " XXXX XXXX for {$1000.00} with account number # XXXX. This account is not mine and I have already called and spoken to representatives at their company to find out why this is on my credit. It turns out that the personal information on this account does not match mine besides a very similar sounding name. This of course means that the credit bureau is reporting someone else 's account on my credit. The representatives were n't allowed to give out more details since I was not the correct person and I was told I would need to send disputes to the credit bureau to have this account deleted from my credit. I have already sent out multiple disputes against the credit bureau for over a year now and they have only responded back with generic responses asking me to call this creditor back and bring the issue to them. I am being given the runaround when the fault is really with the credit bureau and they are refusing to correct their mistake.
Consumer complaint received 2017-09-08
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: EQUIFAX, INC. (OR)

" Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. '' " Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed. '' " Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from mid-XX/XX/XXXX through XX/XX/XXXX of this year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers. '' " The company set up a website, www.equifaxsecurity2017.com, that consumers can use to determine whether their information was compromised. Its also offering free credit-file monitoring and identify-theft protection. '' Read before using www.equifaxsecurity2017.com - The terms of service for that website state in part " AGREEMENT TO RESOLVE ALL DISPUTES BY BINDING INDIVIDUAL ARBITRATION. PLEASE READ THIS ENTIRE SECTION CAREFULLY BECAUSE IT AFFECTS YOUR LEGAL RIGHTS BY REQUIRING ARBITRATION OF DISPUTES ( EXCEPT AS SET FORTH BELOW ) AND A WAIVER OF THE ABILITY TO BRING OR PARTICIPATE IN A CLASS ACTION, CLASS ARBITRATION, OR OTHER REPRESENTATIVE ACTION. ARBITRATION PROVIDES A QUICK AND COST EFFECTIVE MECHANISM FOR RESOLVING DISPUTES, BUT YOU SHOULD BE AWARE THAT IT ALSO LIMITS YOUR RIGHTS TO DISCOVERY AND APPEAL. ''
Consumer complaint received 2017-09-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

Equifax lost consumers ' private information to hackers and my information is also hacked according to them. It happened maybe 3 months ago and now they are reporting it? XXXX. 
If impacted, they should 've automatically put my credit profile on freeze and alert other credit reporting agencies. 

I even had to pay {$10.00} to XXXX to freeze my credit for equifax 's fault 'cause I am a CA resident. Unacceptable!
Consumer complaint received 2017-09-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Management Control, Inc. (FL)

I am being billed and rebilled for a Debt at a Hospital that is not mine. It started in XX/XX/XXXX for XXXX plus. I went to XXXX XXXX XXXX XXXX XXXX XXXX and disputed this in person in XX/XX/XXXX and was told to disregard this bill. Now I am getting this reported anew on Credit Agencies as derogatory information in collections As of XX/XX/XXXX now at XXXX. The new Collection letter states this bill was generated on XX/XX/XXXX. I had disputed this at XXXX and it partially went away and now its being reported as a new Collection and is in fact the same from XX/XX/XXXX
Consumer complaint received 2017-09-08
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: EQUIFAX, INC. (MN)

Equifax mishandled my personal data, and I was listed as a potential victim of their data breach from the security website they set up : www.equifaxsecurity2017.com/ This kind of gross negligence is absolutely staggering, and their response to the breach so far has been poor at best. I am now at a huge risk of identity fraud, and will be for years to come following this incident.
Equifax waited weeks to inform the public that they could potentially be compromised, all while their executives were allowed to sell millions of dollars of stock.
I want my data protected, and I want Equifax held accountable. A resolution to this situation needs to be swift and comprehensive.
Consumer complaint received 2017-09-08
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: EQUIFAX, INC. (IL)

This has to do with the Equifax breach that has happened. I am filing a complaint after attempting to get information and well anything useful from the company without success. Their poor management and security has resulted in my information being stolen and so far I have been mostly told to call back later or that I can get a year of credit monitoring service if I wave any right to legal action on them which is n't going to happen. This is beyond unacceptable for a number of reasons including the likelihood of a persons information not being sold or used right away so a year is useless for something that is going to be a lifetime problem.
Consumer complaint received 2017-09-08
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: EQUIFAX, INC. (MO)

I am one of the millions affected by the Equifax security breach. Having a credit score is all but required to be a functioning adult in the United States, and I can not just change my SS #, DOB, home address, etc. in the same way I can a password or credit card number. I am infuriated that a company like Equifax would be so careless with my personal information. I have a practically flawless credit score, make my payments on-time, shred documents, etc ... and yet I will be the one held  responsible if my identity is stolen due to the laziness and lackluster security protocols of this company. This is the third time this has happened and they have done nothing to protect consumers. They must be held responsible.
Consumer complaint received 2023-04-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (MD)

I was on a COVID 19 forbearance Plan with XXXX XXXX which was to end on XX/XX/XXXX. XXXX XXXX transferred my loan to Specialized Loan Servicing ( SLS ) on XX/XX/XXXX. 

I kept in constant communication with SLS until my loan was loaded onto their system. On XX/XX/XXXX I spoke to a teller by the name of XXXX he said he would put in a submission for me to get a Deferral Loan Agreement Plan and I would learn of the outcome between 7-10 business days. 

However on XX/XX/XXXX I received a letter dated XX/XX/XXXX from SLS informing me that I had been approved for a Forbearance Plan dated XX/XX/XXXX to XX/XX/XXXX based on an incomplete loss mitigation. SLS took on the servicing of my loan on XX/XX/XXXX. 

I have never asked for a Forbearance Plan from SLS. Further I wish to point out that I had NOT missed any mortgage payments prior to going on a Forbearance plan with XXXX XXXX and it was still in effect when they transferred my mortgage to SLS. 

I have received two Escrow Account Disclosures dated XX/XX/XXXX and XX/XX/XXXX which in short pointed out that I had an escrow shortage of {$290.00} and {$280.00} respectively which would bring my mortgage payment to {$1300.00}. 

I called SLS and again spoke with XXXX and I told him I agreed with and accepted the Deferral Loan Agreement Plan and would make a payment. He told me the mortgage payment was {$1300.00} which I paid - confirmation # XXXX. I called and spoke with XXXX XXXX XXXX XXXX on XX/XX/XXXX to ask about the correct amount of {$1300.00} for the mortgage. She told me to give SLS some time to make the necessary adjustment, I called today XX/XX/XXXX and spoke with XXXX who said she was showing that I had missed a payment because I paid the wrong amount of {$1300.00} instead of XXXX and therefore the payment would not go towards XXXX 's payment on the Deferral Agreement Plan and now my mortgage was two months behind. I contested this but she insisted that she was going by what she saw on her computer. I asked to speak to a supervisor. She put me on hold then came back to say a supervisor was not available but she would put in a request for one to call me. I am still waiting on the call. 

I called back today and spoke with XXXX ID # XXXX who also reiterated that the Company was not to be blamed for the error. I decided to pay the difference of {$12.00} - to bring the payment up to {$1300.00} - Confirmation # XXXX. 

I am concerned that because today is the XX/XX/XXXX, XXXX will say my payment is late and the account could still be seen as overdue. Please send on my concerns to SLS so that my account can be properly adjusted. I would also like to be able to deal with only one person while dealing with this matter so at least there will be some continuity of service.
Consumer complaint received 2023-04-17
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: Experian Information Solutions Inc. (IL)

Experian Report # XXXX Incorrect states that the account is late causing harm to borrowing power and interest rates. 

Account for XXXX XXXX  " XXXX XXXX '' is reporting that XXXX and XXXX are 60 days late while the account is in dispute.