davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-10
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. (TX)

To Whom It May Concern, I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate credit reporting by [ Credit Bureau Name ] in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 Sections 602A and 604A ( 2 ).

I recently obtained a copy of my credit report and discovered several inaccuracies pertaining to the following accounts : XXXX account XXXX XXXXXXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX Upon reviewing my credit report, I noticed that these accounts contain erroneous information, including but not limited to incorrect payment histories, misrepresented balances, and inaccurate dates of last activity. These inaccuracies are severely impacting my creditworthiness and financial standing. 

I am disputing the information reported by [ Credit Bureau Name ] regarding the aforementioned accounts, as it does not reflect the accurate and up-to-date status of these accounts. Under 15 U.S.C. 1681 Section 604A ( 2 ), I have the right to dispute any inaccurate information contained in my credit report and request that it be corrected or removed. 

Furthermore, I believe that [ Credit Bureau Name ] has violated 15 U.S.C. 1681 Section 602A by failing to maintain reasonable procedures to ensure the maximum possible accuracy of the information contained in my credit report. The discrepancies in the reported information demonstrate a failure on their part to fulfill their obligations under the FCRA.

I request that the CFPB investigate this matter thoroughly and take appropriate action against [ Credit Bureau Name ] for their non-compliance with the FCRA. Additionally, I urge [ Credit Bureau Name ] to promptly investigate my disputes and correct the inaccuracies in my credit report. 

Please find enclosed copies of my credit report highlighting the discrepancies, as well as any supporting documentation related to the disputed accounts. 

Thank you for your attention to this matter. I look forward to a prompt resolution and the restoration of accurate information in my credit report.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXXXXXX 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 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 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
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (MD)

CARRINGTON MORTGAGE SERVICES claims a late payment was made ... I have never been late to my knowledge ; I previously disputed this inn-accuracy, and was unhappy with the results. As a result, I demanded proof of investigation, bank statements, and records of ALL payments made, and missed ; and as of today still have not received proper documentation to convince me of claim made to support reporting a delinquency in the account. 15 U.S. 1666 ( A ) ( 2 ) ( B ) " creditor may not report to any third party that the amount of obligor is delinquent, because the obligor has failed to pay an amount which he has indicated ... unless creditor notifies the obligor of the name, address, and amount of each party to whom creditor is reporting information concerning the delinquency. '' which CARRINGTON MORTGAGE SERVICES has failed to do as the law requires.
Consumer complaint received 2019-09-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NCB Management Services Inc. (IL)

NCB Management is a debt collection agency that is attempting to collect a debt of mine that was discharged through a Chapter XXXX bankruptcy on XX/XX/XXXX. NCB did not begin reporting this debt to the credit bureaus until after the bankruptcy was filed with the bankruptcy court on XX/XX/XXXX. I have sent multiple disputes to all three of the credit bureaus in XXXX, XXXX and XXXX of this year, and so far, NCB has only removed reporting from XXXX as of XX/XX/XXXX. Reporting a collection account to the credit bureaus after the consumer has filed bankruptcy is against consumer protection.
Consumer complaint received 2024-09-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

JP Morgan Chase Bank let a one of there members have a fraud scam account. They allowed this criminal to steal thousands from from investors and business owners. I was a victim from this fraud back in 2021. I reached out to JP Morgan Chase numerous of times but no luck getting the funds back that I lost.
Consumer complaint received 2024-05-10
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: EQUIFAX, 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 2024-05-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (CA)

I discovered from the car dealer finance department on XX/XX/2023 while trying to purchase a reliable vehicle for myself for XXXX that I had a collection on my account an past due. So since 2023 I have been trying to resolve this fraudulent issue of the PayPal credit card being opened up in my name illegal. I have been back an forth with the XXXX XXXX XXXX company advising them this a fraudulent account that they reported to the credit bureaus affecting my credit an it need to be removed asap. If I had not purchased a vehicle I would have never known this was on my credit and this has been affecting my credit score.
Consumer complaint received 2024-05-10
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. (MD)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.
Consumer complaint received 2023-09-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (NC)

I requested to see how this debt was validated on XX/XX/21 through XXXX for 2 line items under collections- I received no correspondence and the file was once again noted as being verified- I C SYSTEM INC in the amount of {$270.00} and {$1100.00}
Consumer complaint received 2024-08-04
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. (FL)

I am requesting debt validation, according to 15USC 1692G, I have no knowledge or contract agreement, nor provided anyone permissions to share personal information with rental company, Experian Rental background, I am requesting wet signature and proper verification of this debt. This debt is violating my consumer rights. 

1. Send full detailed list of payment history on this account XXXX XXXX XXXX 2. I want to see original signature that I agreed to on the contract for this creditor 3. Has there been any insurance claims filed on this debt 4. I want to see the chain of title you have on this debt
Consumer complaint received 2023-10-31
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

For the past XXXX and a half years almost XXXX dollars of my California unemployment insurance benefits have been stolen due to Bank XXXXf Americas 1 ) BOA 's standard UE prepaid cards that have no security features and have never had them so ppl continue to face their having no option but to receive benefits thru BOA which means I continued to be robbed by unknown internet fraudsters thru my entire time on unemployment insurance. It's absolutely disgraceful this Bank.

2 ) even tho Now that they were fined for their shady and illegal business practices nothing has changed. After 2 years of apparently having a robot deny my claim, I was told to reopen it ( and did with stupid high hopes ) only to be mocked, receiving no fund release while the 10 day investigation reached day 11 then one month ... ... as it states is their policy. Then to be yet again defeated in tears because my claim was ( AFTER ALL THAT AND AGAIN I AM THE VICTIM NOT THEM!! ITS MY MONEY I NEVER EVEN TOUCHED THAT WAS STOLEN )!!!! DEINIED!!!!!! What????? Are you joking???? This is beyond appalling, so today I try this route, I've already filed a complaint with the FTC and I'll be filing one with my local law enforcement as well as the FDIC. 

Bank of America you truly are thieves as well as an ABSOLUTE DISGRACE OF A " FINANCIAL INSTITUTION ''. DISGUSTING. So again tonight I will continue to feel robbed, violated, like I've been treated like a criminal and a second class citizen. All because I was laid off during a global pandemic after working from XXXX  years of age to XXXX without any lull. Someone please help me recover my money that these people won't. Thank you.
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (FL)

I was reviewing my credit record and I am quite upset at the inaccuracies you are reporting in my credit record. This is a multiple compaints. I need the following items information to be deleted. 

XXXX XXXX  Bankruptcy XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-30
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (KS)

I was added to the SAVE plan and given a balance due amount for a short time. Then, it was removed and I was put in forbearance until XXXX, with no explanation as to why. I had to contact them to find out that it was due to a borrower defense claim that I have pending. I was then told that if I don't make payments, the forbearance will not count for PSLF forgiveness. Apparently, this may not be the case. Not knowing what to do, I asked to be removed from the forbearance so I could make my XXXX payment ( the first month we are required to pay after the COVID freeze. ) They have not responded to my request and so I will not be able to make a payment on time and will be penalized for this.
Consumer complaint received 2021-02-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Johnson Mark LLC (OR)

I have 2 credit cards on my credit report one in which was garnished and I was told was satisfied but now its back on my report how ever both credit cards debts are over 6 years old which is the Oregon statue of limitations to pursue such debt. They said it was too late and was sent to be garnished which is against the statute of limitations.I would like for this to stop abs be removed immediately as its affecting my credit score. Shame on them.
Consumer complaint received 2019-04-23
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. (CA)

My information has been compromised and as a result someone had opened a fraudulent loan under my name and social. XXXX XXXX account # XXXX has been reporting inspire of my effort to dispute and have it removed as fraud with all the major credit bureaus.
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was reviewing my credit record and I am quite upset at the inaccuracies you are reporting in my credit record. This is a multiple compaints. I need the following items information to be deleted. 

XXXX XXXX  Bankruptcy XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-20
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA (CA)

I had a credit card, Apple Card account by Goldman sacs. The account was closed XX/XX/XXXX. Since XX/XX/XXXX the statement balance was - {$5500.00} therefore Goldman sacs owes me a balance of such amount. I have contacted them numerous times starting XX/XX/XXXX to issue a credit balance refund through check mailed to me or a direct deposit to my bank on file and they have denied for security reasons with no reasonable explanation, they also have created internal cases to management of escalation and no resolution. I have trusted the bank to take care of my finances accordingly with fairness however they have owed me this much money without any empathy regarding the time and energy this taking from me and how emotionally draining and frustrating this situation has been.
Consumer complaint received 2024-05-10
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: EQUIFAX, INC. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-10-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (NC)

It has been atrocious the customer service or lack thereof, because it is so hard to get someone from your office on the phone. I call every week, several times a week. Ive waited several hours the other day. Yet, you keep sending me messages about late payment. When in reality, if administratively you were doing the job that you are expected to do/supposed to do, I would not be in limbo about the status of my account. I didnt have the balance owed under IDR until late and do not recall notice in the mail. My former service provider was not like this. If you all do not have the infrastructure or capacity, you should have not opted to service these loans. I have also messaged several times about the status of the receipt of forms that have been sent you, two times, from my school for deferment. Well before the suspension was lifted. Mid-XXXX was the first time the form was sent to your office. We are practically in XXXX and you all have yet to process this form. I've contacted the college and they confirmed sending and sent another form. I am not able to make the payment right now until I finish this program. I should not have been up to pay, because my loans should be in deferment per the instructions and information provided. Please look, find, or follow-up regarding the status of my account. I understand that capacity may be stretched or employees may not have what is needed to meet the demand... well there must be other solutions or ways of business that you all need to consider. However, this is not fair and should not affect my credit score or other financial implications. I am totally off put by this and wish my loans stayed where they were.

Finally, the PSLF form, I don't think you all have followed through on the employee certifications. I am requesting to please provide some sort of communication on how to rectify or proceed, or provide a timeframe when you all think the status of my account will be updated and the best way you all need to receive the form. I can not electronically file, the instructions on the form, delineate that the college/university is to send to you. Which was sent to the mailing address provided! 

Please call me if you need to discuss further as it is difficult to contact you at all hours of the day.
Consumer complaint received 2023-10-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (OH)

XXXX XXXX transfer of accounts to XXXX and then MOHELA has been, in short, a travesty. 

I started working in a PSLF-eligible job AFTER XX/XX/XXXX  ( prior to that I was with a private employer from mid XXXXXXXX  ). I kept paying all through the pandemic on my XXXX XXXX account even though it was in forbearance. 

Mohela says even though I had FOUR YEARS of prior public service from XXXX, only nine payments are credited which is not accurate as I had certification submitted by my prior employers. 

Now I'm stuck in forbearance XXXX again even though I timely re-certified for IDR. So, once again, even though I've now been working ( and paying ) for almost a year under another public service job, I'm getting XXXX  because they are not counting my payments as PSLF - they are just extending out my due dates and ASSESSING THE WRONG INTEREST RATES. Only three of my loans are at XXXX percent. The rest are XXXX and should be XXXX, but they've got them as XXXX too. 

No one will call me or message me or email me despite me trying constantly since XXXX and the last time I was on hold on the phone was three hours before I hung up.
Consumer complaint received 2023-10-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CO)

I called in to Mohela around XX/XX/XXXX because my loans were put into deferred status without my consent. After two hours I was able to speak to someone. The first time I called in, I waited two hours only to be hung up on.

I am on the Save plan and I want to begin paying so that the accrued interest will be forgiven each month rather than piling on while deferred. They said they would submit a paper to complete my request. 

I just got a notification on XX/XX/XXXX saying this request has been delayed and would take up to 90 business days. I will be accruing thousands of dollars of interest during this time due to my loans be placed in a deferred status I never wanted in the first place. I want to pay my loans!
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

According to FCRA 605B, it's necessary to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several listed accounts contain inaccurate information. I should be compensated {$1000.00} for each wrongly reported item on my credit file.