davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-10
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Selene Holdings LLC (NY)

XXXX XXXX ( XXXX ) was our original mortgage lender. We went on forbearance last year while I was on maternity leave. After the forbearance, the plan was to put the payments on the back end of the loan. They sent a letter in the mail to confirm but I was in the XXXX at XXXX time with my XXXX and missed the notice. When I called XXXX in the beginning of XXXX to remedy the situation they said that the offer had expired but they could provide me with a new loan modification. I verbally accepted the terms over the phone because they informed me that my mortgage was being sold to Selene Finance as of XX/XX/XXXX but assured me that our loan modification would carry over. I followed up several times with XXXX, who kept assuring me it was in the system. Once Selene took over, I began calling them and after several calls I got the same answer that there were no notes of a loan modification in the system and that we were delinquent. When I followed up with XXXX I got another representative who said " We do not service your loan. Nobody here can help you. '' and when I asked for somebody in a higher position he told me there wasn't any and he hung up on me. In the following weeks Selene has said they see it in the system that I am in review but the review dates keep getting pushed back. We are set to foreclose on XX/XX/2024 which means even if I fill out Selene 's assistant form today, it will not be approved in time. And XXXX is still " looking into '' the loan modification situation.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I am writing to bring to your attention an issue related to 15 U.S. Code 1666b. This code stipulates that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless the creditor has adopted specific measures. 

I have observed that XXXX XXXX XXXX  reported a late payment on my credit report, and I believe this may be in violation of 15 U.S. Code 1666b. The code ensures fair treatment of payments and prevents unjust penalties. 

I kindly request your assistance in investigating this matter and ensuring that XXXX XXXX XXXX complies with the regulations outlined in 15 U.S. Code 1666b. 

Thank you for your attention to this matter, and I appreciate your efforts in safeguarding consumer rights.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (AL)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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
Consumer complaint received 2023-03-11
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (NY)

Somebody created an fraud account with XXXX XXXX using my name and tried to transfer money, in the amount of {$20000.00}, from my Citibank savings account ending in XXXX to the XXXX checking account ending in XXXX. This was initiated on XX/XX/2023. I called Citibank the same day ( XX/XX/2023 ) and informed the representative I was speaking with that I did not authorize this transaction and that it should be cancelled. The cancellation was then initiated per my request. I received e-mail from Citibank stated that they've stopped payment for this transaction and stop payment request will remain in effect permanently. But in few days this transaction was executed. After investigation Citibank sent me letter where they explained ( using wrong statements ) why they can't return money to my account.
Consumer complaint received 2023-11-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (TX)

I requested a refund of student loan payments made during the XXXX  forbearance on XX/XX/2023 through Mohela, which I assumed was processed since the amount I paid was added back to my student loan balance. When I requested from Mohela the status, they tell me to contact the US Treasury. There is no one to contact. I contacted XXXX, they say to call Mohela. I even filed a complaint with XXXX  and have gotten no response. 

No one can tell me where my refund is, although it has been added back to my loan and I'm paying interest on it. It has been over XXXX  days. The amount was approximately {$6400.00}.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2024-05-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2023-11-09
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. (NY)

Experian permitted another soft inquiry into my report which is on a permanent security freeze. The soft inquiry is being show as of the date XX/XX/XXXX. Despite my instructions to Experian to keep my credit report on a permanent security freeze, Experian by their own authority continues to allow inquiries into my financial privacy in violation of FCRA. I have no current account with any of the entities being permitted by EXPERIAN to view my report under a soft inquiry. To date as per previous complaints submitted to CFPB Experian continues to ignore the FCRA by allowing unauthorized access without my permission or consent. EXPERIAN has not provided an explanation as to why they are self authorizing themselves to ignore the FCRA. 

What could be the purpose of EXPERIAN 's self authorizing defiance of the FCRA to continue to permit access under a security freeze, to entities who do not have a right to know under FCRA as they do not provide financial services to consumers and or I have no current open account with, and that I did not give permission or consent to them, and have not applied for any financial products from them? 

It seems that EXEPIANs self authorizes themselves to continue to violate my privacy and ignore FCRA. They do not want to address my complaints and have not appropriately answered questions in my former complaints. They have not honored my request for action to remove unauthorized access to my credit report and continue to disregard my letter of instructions. 

Previous complaint narrative : In XX/XX/XXXX, I received acknowledgement from Experian that my credit report was in security freeze status. I received an updated credit report recently from Experian showing a number of soft inquiries from the following companies. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX and XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ( no phone number, duplicate inquiry ) Experian XX/XX/XXXX XX/XX/XXXX I did not lift the security freeze during any time after XX/XX/XXXX and Experian acknowledges that I am in security freeze status today as of this complaint. I did not authorize any of these companies to do a hard or soft credit inquiry. Experian shared my private information without my knowledge or consent. I sent two letters, one with instructions and the other about the soft inquiries, see attached files.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

Said account listed by XXXX  XXXX was not authorized by me. I have NOT received a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend to pursue litigation in this matter to enforce my rights under the FCRA. I demand the following unauthorized accounts be deleted immediately.
Consumer complaint received 2024-05-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (GA)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-05-10
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. (GA)

I hope this letter finds you well. I recently obtained a copy of my credit report and noticed multiple discrepancies, including unauthorized inquiries and conflicting information on the same accounts across the credit bureaus. 

These discrepancies include differing account numbers, dates of last activity, last payment dates, balances, account statuses, and original balances. The listed accounts 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  I request that you provide me with complete documentation related to these accounts. This should include the original contract bearing my wet signature, full transaction history from the date of account opening to the present or closure, and any other documentation used to verify the accuracy of the accounts. 

I want to remind you of your obligations under 15 U.S. Code 1681e ( b ), which necessitates following reasonable procedures to assure the maximum accuracy of the information relating to the individual on the report. 

Furthermore, under 15 U.S. Code 1681i ( a ) ( 5 ), in the event of any disputed information being found inaccurate, incomplete, or unverifiable during any reinvestigation, the consumer reporting agency must promptly delete or modify that information and notify the furnisher about this alteration or deletion. 

As such, I expect a thorough investigation into this matter. If you're unable to provide verifiable proof within XXXX business days after your investigation, the disputed accounts and/or the listed information must be removed. 

Enclosed you will find copies of my ID and a utility bill for identity and address verification. 

Looking forward to your prompt attention to this matter.
Consumer complaint received 2023-11-09
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. (NY)

I XXXX, XXXX XXXX Attorney in Fact FOR XXXX XXXX XXXX, has placed numerous complaints with EXPERIAN through the CFPB throughout the entire year of XXXX  about the inaccurate reporting of non-public information. The continuous sharing of inaccurate, non-public information to my consumer credit report without my expressed written consent to my consumer credit report has been ruining my reputation and is identity theft. 

Please See Attached Documents which include the following : Settlement Offer Civil Cover Sheet ( dated XX/XX/2023 ) XXXX via IRS, Power of Attorney, Fee Schedule Bill of Particulars Passport Card ( Identification )
Consumer complaint received 2023-10-26
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: PLANET HOME LENDING, LLC (CA)

I was recently laid off of my full time employment on XX/XX/2023. I applied for mortgage assistance through my mortgage company Planet Home Lending. I applied to the mortgage assistance online and it took the company 2 months to tell me application was complete after many back and forth long delays in communications and my multiple attempts to get answers. After starting the application in first week of XXXX I was finally told that my application was complete in mid XXXX. I filled out the application to obtain a forbearance do to unemployment while I was looking for full time employment. I was told that I need to be unemployed and missed 6 months of payments in order to qualify for forbearance while unemployed. I was not provided a VA technician to give me options on my mortgage.
Consumer complaint received 2023-10-26
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)

I have been distressed with misleading, inaccurate, and incomplete information on my credit report. This has been hurting me financially for years. This is a violation of FCRA and the credit reporting agencies must delete the requested information.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (AZ)

Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Consumer complaint received 2023-08-28
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-11-09
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. (NY)

I XXXX, XXXX XXXX XXXX  in Fact FOR XXXX XXXX XXXX, has placed numerous complaints with EXPERIAN through the CFPB throughout the entire year of 2023 about the inaccurate reporting of non-public information. The continuous sharing of inaccurate, non-public information to my consumer credit report without my expressed written consent to my consumer credit report has been ruining my reputation and is identity theft. 

Please See Attached Documents which include the following : Settlement Offer Civil Cover Sheet ( dated XX/XX/2023 ) XXXX via IRS, Power of Attorney, Fee Schedule Bill of Particulars Passport Card ( Identification )
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: Experian Information Solutions Inc. (FL)

I am writing once more to express my perplexity regarding your credit bureau 's handling of the investigation into the fraudulent accounts on my credit report. 

I have also directly contacted the company associated with these accounts, and they have confirmed the removal of the accounts. Therefore, I am puzzled as to why these accounts are still being reported by your bureau. 

It is imperative to recognize that as a credit bureau, you are legally mandated to ensure the accuracy and timeliness of your records. Failing to remove these fraudulent accounts not only violates this obligation but also exposes me to further harm. 

I request that you promptly eliminate these accounts from my credit report, aligning with the actions taken by other credit bureaus. Failure to do so will leave me with no choice but to pursue legal action. As you are aware, I have submitted the required FTC report to the Federal Trade Commission regarding this fraudulent accounts, and following these submission, XXXX XXXX XXXX  have removed these accounts from their records. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (PA)

I have made my monthly payments for XXXX and XXXX. The payments have posted and show paid at my bank and on Mohela 's website. Yesterday I noticed that there was an alert on my account that I do not owe a payment for XXXX as they " update my account. '' I called today, XXXX to ask what would happen with my XXXX and XXXX payments, and the rep " didn't know. '' The rep even asked their supervisor and they had no answer as to what would happen with payments that I apparently didn't even need to make. I asked about a refund or a paid ahead status and they had no idea how they were going to handle the payments, they said. They told me to monitor my account and there might be more information in a few days. This is totally unacceptable. How could they not have a planned ( and written ) procedure put into place before updating accounts and posting important account update messages to borrowers ' accounts?
Consumer complaint received 2023-11-07
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. (CA)

I need clarification as to why you are reporting certain information on my credit report. Please review the following accounts. XXXX XXXX # XXXX, XXXX XXXXXXXX # XXXX, XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX # XXXX, XXXX 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. You are reporting these accounts as charged off yet you also reporting a monthly payment? Delete these account immediately for inaccurate reporting.