davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-02
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. (LA)

I am submitting this CFPB Complaint in accordance with the Fair Credit Reporting Act and I dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. The accounts in question are as follows : 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 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. I can assure the Credit Bureaus that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. Please provide me with a written response to this dispute and let me know the results of the Credit Bureaus ' investigation. I also request that the Credit Bureaus send me an updated copy of my credit report once the fraudulent items have been removed.
Consumer complaint received 2022-08-11
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NH)

This company has called me my niece mom sister and daughter They say this in the voice mail Hello ______ number XXXX with XXXX XXXX XXXX my office is patient to the property address on record this is regarding a pending complaint and background investigation ordered against XXXX XXXX if no contact is established today or field agent will be dispatched to the property address in place of employment on record it's very important XXXX contacts issuing firm today at area code XXXX and reference the When I called they cant give me much information other than it was a debt from XXXX  that I am being sued for and that I need to pay them XXXX by the end of the month I asked them to stop calling while I investigated but they are still calling my family The number that calls is different every time
Consumer complaint received 2024-06-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

We reached out to USAA for an auto loan for our XXXX XXXX XXXX. we requested and were extended an 84 month note via phone call with a banking representative. A monthly payment was provided at the rate and term requested which we agreed to on Friday XX/XX/XXXX. The documents were sent and we were asked by our banker to please complete the documents online via our USAA web portal. We completed the documents and purchased the vehicle. On Wednesday XX/XX/XXXX we saw the note posted to our USAA account with the agreed upon interest rate, but the term was 72 months, not the verbally and originally agreed upon 84 month rate. This decrease in amortization caused our payments to jump by nearly {$300.00} per month. 

We requested USAA correct this error but they said we had signed the documents and that there was nothing more that they could do for us. While we agreed upon a rate and term that we could afford, USAA switched the term to from 84 down to 72 months making the vehicle unaffordable for us. 

The issue is we were told one thing which was agreed upon and then given something else. On top of that, the loan documents were never explained to us and we were instructed to go online and complete the documents without any guidance from the bank or its representative to answer any questions that we may have had, and to explain the documents that we were signing. We signed in good faith with the bank since we have been members throughout our entire adult lives. 

We are requesting that the bank live up to its original agreement and honor the longer term note that was offered and nothing more. We want the bank to honor the 84 months offered and agreed to, not the switched without out our consent rate we were unaware of in our confusing loan docs of 72 months.
Consumer complaint received 2023-11-30
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: HW Holding, Inc (FL)

I was called 3 times today I have been a called everyday repeated and a lady answered and threatened to track me down and make my life hard until I pay them. I dont feel safe Im worried and Im being harassed to the point where I feel major XXXX and XXXX
Consumer complaint received 2023-11-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NJ)

On XX/XX/XXXX, my current employer completed the digital certification process to verify my ongoing employment at a 501 ( c ) ( 3 ) organization. This certification will increase my PSLXXXX qualifying payment amount from XXXX to XXXX, making me eligible to apply for Public Service Loan Forgiveness.

As the payment pause came to a close and my certification went unprocessed, I repeatedly attempted to contact MOHELA to understand the status of my employment certification, spending many hours on hold waiting to speak with someone. I was finally able to get through to a representative on XX/XX/XXXX and she acknowleged the delay in processing but said she wasn't able to see why my certification was still pending. She advised that she would place my loans in a processing forbearance for the time being, through the end of XXXX, to give MOHELA more time to process my documentation. I received a letter in my MOHELA inbox stating that my forbearance had been approved until XX/XX/XXXX. 

On the same date ( XX/XX/XXXX ), I received a billing statement dated XXXX in my MOHELA inbox, advising that I had a payment of {$580.00} due on XX/XX/XXXX. I assumed that this had been processed before the forbearance went through and disregarded it. 

As the payment due date approached, I called MOHELA almost daily. Because the tool that allows you to receive a call back instead of waiting in the hold queue is not functioning, I spent hours on hold over several days, never reaching a customer service agent. On Friday, XXXX, the payment due date, I waited on hold for XXXX minutes, interrupting an important work call to speak with the MOHELA rep once they finally answered. I asked him about the billing statement and he shared that my forbearance had actually NOT been approved and that I did, indeed, owe a payment due that day. He said that NO forbearance is allowed until the PSLF qualifying payment count shows XXXX, totally contradicting what the prior customer service agent shared. I received no correspondence from MOHELA notifying me that my forbearance had not actually gone through. 

The agent mentioned that there are significant delays in processing the digital employment certification submissions in particular, as the submission process was flawed, resulting in duplicate records being created, which now have to be manually resolved. He could not advise on the timeline for that resolution and told me there is nothing I can do, including submitting the verification in another format, as that would only create yet another duplicate record to be resolved.
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
The following inquiries are unauthorized : XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to UPDATE information that does not reflect the current status of certain accounts. More specifically pertaining to comments on accounts. I am requesting that you remove the disputed comments on each of the accounts below with immediate effect. The accounts have either never been disputed, to begin with, or are no longer in dispute. 
I am asking the dispute comment to be removed from the following items : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-15
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. (AR)

I am writing to dispute certain information on my credit report that I believe is inaccurate. I am seeking a thorough investigation to rectify any errors and ensure the accuracy of my credit history. 

I am asserting my rights under the Fair Credit Reporting Act ( FCRA ) to request an investigation into the following information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please conduct a prompt investigation, provide me with the results, and make any necessary corrections to my credit report. As per the FCRA, I also request a free copy of my updated credit report after the investigation. 

Thank you for your attention to this matter and your commitment to maintaining accurate credit reporting. 

Sincerely,
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Please be advised that this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 
Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses to my XXXX dispute letters that you have verified that the items listed below are accurate but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not and did not verify any of the disputed accounts like you said you did. Your failure to delete the disputed accounts that you can not verify after XXXX written requests is also evidence of your willful disregard of Federal Law. 
When we go to litigation and through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you don't have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and the Court will order you to delete them. 
You say that you have reinvestigated these accounts but you've admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation of 1681 ( a ) ( 4 ). 
I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law.

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " ..promptly DELETE all information which can not be verified. '' I request that you do this immediately. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand that you delete all of the accounts listed below immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted. 

XXXX # XXXX - {$13000.00} XXXX XXXX XXXXXXXX XXXX # XXXX {$4800.00} XXXX XXXX  # XXXX XXXX XXXX # XXXX {$20000.00}
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (LA)

Citizens bank was over charging my escrow for 2 years on 5-6 occasions. After requesting reasons for doing so, the office of the chairman provide not once but twice signed documents that had false information on my loan history. Dozens of attempts were made by a few parties to get it straightened out. The bank could not provide me with a detailed breakdown of all payments taken rightfully and wrongfully. I consulted an attorney and have been waiting for corrected balance and resolution. I stopped paying the bank in order to prevent the bank from stealing more money from me. Now, while this dispute is still unresolved, they are falsely reporting on my credit saying I am in default, when the truth is the payment stopped until they can return all money stolen, provide true history of my loan, detailed payment history and where all funds taken were allotted, and all late fees and compounding interest removed.
Consumer complaint received 2024-07-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Guild Holdings Company (AL)

On Thursday, XX/XX/2024 I received a call from XXXX XXXX concerning non-payment of my home insurance premium. XXXX XXXX with XXXX informed me that they had no received payment and my policy would be cancelled for non-payment. XXXX states that they issued a policy renewal invoice to Guild Mortgage, but never received payment. I immediately contact Guild Mortgage and spoke with " XXXX '' whom stated that Guild Mortgage never received a renewal from XXXX. Guild also stated that they sent me a letter, which I did not receive. I once again contacted XXXX and informed them that Guild never received the renewal. XXXX then informed me that they have had several other issues with Guild Mortgage not paying premiums for other clients when due. XXXX resubmitted the renewal to Guild Mortgage on XX/XX/2024. The following day, XX/XX/2024, i contacted Guild Mortgage and asked did they received the renewal from XXXX. Guild could never confirm or deny they received the renewal from XXXX. I told Guild that this was unacceptable, and that they have a duty to make sure my insurance premiums and property taxes are paid on time. I find it very concerning that they did not reach out to me by phone to let me know they supposedly did not receive the renewal from XXXX. As of XX/XX/2024, Guild has stopped collecting monies for my insurance premium. Guild Mortgage has failed to do their job. As of today, XX/XX/2024, XXXX has not received payment for my insurance premium. XXXX has gone above and beyond to rectify the situation so that my home does not go uninsured. I would like Guild Mortgage to pay my insurance premium immediately.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2023-10-25
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. (MI)

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. 

Account Name : DPT EDXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : 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 2023-09-12
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. (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. 

I have requested XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX. XXXX XXXX XXXX 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 2023-09-15
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. (NC)

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. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account Number : 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 2023-08-02
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: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.