davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
XXXX XXXX XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$38000.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX.
Consumer complaint received 2024-05-14
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. (TX)

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

XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXXStates I have the right to privacy. 

XXXX XXXX XXXXXX/XX/XXXXXXXXXX/XX/XXXX: It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XX/XX/XXXXXXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXXXX/XX/XXXXA 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 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Dear Sir/Madam, I am writing to file a formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX payments on my account that were not my fault. I am XXXX XXXX, a loyal customer of XXXX XXXX XXXX XXXX for over three years. My account number is XXXX. 

The following events detail the circumstances leading to this complaint : Upon securing a loan with XXXX XXXX XXXX XXXX, I arranged for auto-pay from my XXXX XXXX account to ensure timely payments. 

Despite this arrangement, I was notified of two missed payments on my credit report. When I contacted XXXX XXXX XXXX XXXX, I was instructed to address the issue in person at their branch, located an hour away. 

After enduring a two-hour wait for an appointment, I was informed that the problem stemmed from XXXX XXXX XXXX XXXX of the credit union XXXX XXXX XXXX XXXX XXXX assured me they could swiftly resolve the issue. 

The matter was supposedly resolved after XXXX XXXX XXXX XXXX XXXX XXXX XXXX at the branch. 

Subsequently, I discovered a significant XXXX drop in my credit score due to late payments attributed to XXXX XXXX XXXX XXXX XXXX despite assurances of resolution. 

Despite repeated attempts to communicate and seek resolution, the issue persists, causing undue stress. Notably, six late payments were erroneously reported, despite being on time. 

I request the XXXX XXXX XXXX  thoroughly investigate and address this matter. I urge XXXX XXXX XXXX XXXX to rectify the late payments and enhance their customer service processes. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-13
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. (TX)

I am in total absolute debrief with the way the credit agency has mishandled my credit. XXXX account : XXXX  XXXX, is being reported as a charge off on my credit report. I have asked the agency to do a simple reinvestigation. This account is reporting inaccurate and falsely on my report. According to XXXX5 USC 168i 5 they are supposed to do the proper research, ( XXXX ) treatment of inaccurate and unverifiable information, ( a ) in general if after any re-investigation under paragraph ( XXXX ) of any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall remove/delete all those items. This matter have been of great hinderance to my endeavor of grow and obtain credit.
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: EQUIFAX, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.
Consumer complaint received 2023-06-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (MD)

I originally consolidated my loans and applied for PSLF/FFEEL on XX/XX/XXXX. My consolidated loans were transferred from XXXX to Mohela on XX/XX/XXXX. I hit my requisite 120 payments on XX/XX/XXXX. I have consistently called and questioned why my account has not been submitted for forgiveness. I even filed an updated Employer Certification in XXXX, XXXX to show that I still work for the same federal employer ( XXXX ) and that my payment count as of that date was 125 months of payments. To date, I have made 128 months of qualifying payments, yet Mohela sat on my account and did not file for forgiveness with student aid.gov until XX/XX/XXXX ( per my most recent call to them ). My loans should have been forgiven over 8 months ago and I am continuing to wait. 

I called today ( XX/XX/XXXX ) to again question the status and was given no answers. Further, I requested information on how to contact the Mohela Ombudsman and was not given information and they even admitted that the information is no longer on their website. When asked for a supervisor, I was refused and told they had " put in a request '' but that " no one was answering, '' I remained on this call for 90+ minutes with no resolution.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MN)

Equifax continues to play games with access to their website for me. I am unable to login or access my crucial financial information they keep from me. When asked directly or through a previous CFPB complaint they say it's accessible, and give steps to resolve. These steps do not resolve, so anything Equifax shares is a lie. I've wasted too much time on this issue and Equifax admits it's a problem, but doesn't resolve. 

Last complaint, they didn't even address this ongoing issue of NO ACCESS/ SUCCESSFUL LOGIN to Equifax.com
Consumer complaint received 2024-03-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (MA)

I have been trying to work with Newrez since XX/XX/2023 to resolve the questions and issues we are having with our escrow payments. During that time, I have observed poor business practices that make it challenging as a mortgage holder to resolve issues in a timely and satisfactory manner. As of today, XX/XX/XXXX, I am still awaiting a satisfactory resolution to the issue with my escrow payment. The first issue is that the customer service representatives don't understand basic information about my account. When I call for help, I often have to explain not just the issue, but how to review the documents that Newrez has provided or used to service my loan. Also, there are times when I call and the customer service representative says that they have done or will do something when they haven't ( like file a ticket to route my issue to the appropriate department ). When I submit a request for help online, newrez does not save the message in a place where I can view it later. To clarify, once I submit a message electronically, I do not have access the message for future reference. Additionally, newrez responds via a physical letter or sends an electronic message through a completely different site. This makes no sense since their website is supposed to have a secure messaging portal. But there is no way for me to send messages through their secure message portal. I am forced to use the help menu. Often times it takes weeks to get a response, and the response does not answer the question. It's as if they aren't reading my question or don't understand it ; but no one ever calls for clarification. All of these business practices make it hard as a borrower to get anything resolved and keep track of the responses. It seems as though this is the goal of these business practices. It's been so frustrating that we've looked into other servicers, but we are unwilling to double our interest rate for something that is not our fault. Separate from the poor business practices, the actual issue that we have been trying to resolve since XXXX is that our escrow analysis was showing a higher property tax liability than what Newrez had been paying and what the town had been charging. This has led to higher than necessary monthly payments which we are being forced to pay because we want to avoid penalties and negative impacts to our credit scores. The latest response still included an incorrect escrow property tax amount, despite also showing the correct property tax amount paid out. It feels like we are being taken advantage of while we have been trying to work with Newrez in good faith. Six months is a long time to go on paying more than you should because of an error with the escrow analysis.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : EQUIFAX XXXX XXXX XXXX ACCOUNT : XXXX XXXX XXXX  & XXXX. ACCOUNT XXXX Recently, I did an investigation on my credit report and found several items in there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ). In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2024-05-09
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. (PA)

Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This Account is inaccurate and incomplete on many levels Equifax is reporting a inaccurate account on my credit report this is hurting my credit and they not following the law I fully intend taking this to court if I need to.
Consumer complaint received 2024-03-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (FL)

ALL THIS INFORMATION IS IN XXXX FILE POSTED BELOW! 

XX/XX/XXXX MADE A PAYMENT OF {$500.00} PAYMENT IS MISSING FROM ACCOUNT XX/XX/XXXX MADE A PAYMENT OF {$600.00} XXXX PARTIAL PAYMENT ( {$300.00} ) XX/XX/XXXX REFUND POSTED FOR {$300.00} ONLY {$230.00} WAS REFUNDED TO ME XX/XX/XXXX MADE A PAYMENT OF {$250.00} MISSING PAYMENT OF {$250.00} XX/XX/XXXX MADE A PAYMENT OF {$95.00} MISSING PAYMENT OF {$95.00} XX/XX/XXXX MADE A PAYMENT {$200.00} MISSING PAYMENT OF {$200.00} XX/XX/XXXX MADE A PAYMENT OF {$290.00} MISSING PAYMENT OF {$290.00} XX/XX/XXXX MADE A PAYMENT OF {$200.00} MISSING PAYMENT OF {$200.00} TOTAL MISSING : {$1900.00}
Consumer complaint received 2024-05-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NH)

I setup auto debit for {$200.00}. On XX/XX/XXXX MOHELA withdrew {$360.00}. The additional amount is my new monthly payment. I did not authorize more than {$200.00} to be withdrawn. MOHELA stated because I was in a paid ahead status they were withdrawing my monthly payment of {$160.00} plus {$200.00} which I had setup previously to be withdrawn through auto debit. I have cancelled the auto debit. I contacted MOHELA several times before XX/XX/XXXX. The reason I was given violates the amount I authorized through auto debit.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Re : Discrepancies and Errors in Credit Reporting by Experian Dear CFPB, I hope this letter finds you well. I am writing to formally request an investigation into and resolution of significant discrepancies and inaccuracies in the credit reporting provided by Experian. As a consumer based in XXXX, Pennsylvania, I have recently started a consumer law practice, and it has come to my attention that Experian has been reporting incorrect and outdated information, which has adversely affected my credit score and my ability to build a favorable credit profile. 

I have attached a packet containing my credit reports from Experian, XXXX, and XXXX, which clearly illustrate the discrepancies in Experian 's reporting. The following issues require immediate attention and correction : Divergence in Credit Scores : Experian 's XXXX XXXX differs significantly from both XXXX and XXXX. Experian 's score is XXXX points lower than XXXX and XXXX points lower than XXXX. Such discrepancies raise concerns about the accuracy of Experian 's reporting. 

Outdated Information : Several entries in my Experian credit report, such as charge-offs and old closed accounts, have not been updated for several months, despite the same accounts being updated on other credit reports, including XXXX and XXXX. For instance, the " status updated '' date for the XXXX XXXX account is XX/XX/XXXX, while the " balance updated '' date is XX/XX/XXXX, and the " last payment date '' is XX/XX/XXXX. These inconsistencies violate the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Discrepancies in XXXX XXXX : Experian reports significantly higher loan and total debt amounts compared to XXXX and XXXX. Experian 's reporting shows a loan debt of {$28000.00}, while XXXX and XXXX report substantially lower figures of {$20000.00} and {$20000.00}, respectively. These discrepancies are not only inaccurate but also detrimental to my credit profile. 

I kindly request that the CFPB conduct a thorough investigation into these discrepancies and inaccuracies and take the necessary steps to compel Experian to correct and update the information on my credit report promptly, with all amendments reflected as late as XX/XX/XXXX. These discrepancies not only harm my creditworthiness but also violate my rights as a consumer under the FDCPA and FCRA. 

Enclosed, please find copies of the relevant credit reports with the highlighted discrepancies for your reference. I am also prepared to provide any additional documentation or information you may require to facilitate this investigation. 

I appreciate your prompt attention to this matter and your commitment to ensuring fair and accurate credit reporting. Please inform me of any updates or actions taken regarding this dispute. 

Thank you for your assistance in resolving this issue. 

Enclosures : Experian Credit Report XXXX Credit Report XXXX Credit Report
Consumer complaint received 2024-04-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TX)

On XX/XX/XXXX I called and requested that {$100.00} payment received on XX/XX/XXXX be posted towards Principal only for this loan. The agent I spoke with advised me this will be completed with a few days, but as of today it still has not been corrected. 

I would like the {$100.00} payment that is been received monthly to be posted to loan XXXX. I have instructed the sender of the funds to always post these funds to this loan 's Principal balance monthly when my account is current, but this has not been happening and I have been having to make a call to correct this for years. The when this was set up instructions were given to post funds to this loan specifically. 

In addition to this it has been extremely difficult to get a person on the line to assist me. Please assist me with getting the funds posted to the principal balance upon receipt. I had this issue in the past and there seems to be no imitative to help me with my struggles getting this taken care of. Please update my account to have it set up to apply any payments in the amount of {$100.00} to be applied to this loan 's Principal balance. Moving forward I will be documenting how many times I have called and the wait times I have to endure to get a person on the line.
Consumer complaint received 2024-06-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: OLIPHANT FINANCIAL, LLC (IL)

I am unaware of this debt ; I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you think I received proper notification, send me a copy of the certified letter that was sent to me with my signature.
Consumer complaint received 2024-06-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc. (PA)

On XX/XX/XXXX I was notified by the private monitoring company XXXX XXXX that a new collection had been placed in my name for {$1100.00}. This was the first I had heard of this debt. I filed a dispute immediately, because this debt was a utility from a city in which I did not reside and never had, The municipality of XXXX Indiana. For context, I live in XXXX and have since XXXX of XXXX. The debt collection agency, On Line Information Services, responded XXXX XX/XX/XXXX with a copy of the fraudulent utility, which indeed had my name on it. I did not physically receive this letter until XX/XX/XXXX. On XX/XX/XXXX I spoke with the collection agency over the phone, who informed me of next steps I should take to address the fraud. An attorney advised me on XX/XX/XXXX to file a complaint here, which I am doing now on the morning of XX/XX/XXXX. During the time this has occurred, my credit score has dropped from XXXX to XXXX, tarnishing an impeccable credit history.
Consumer complaint received 2024-06-12
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: MIDFIRST BANK (TX)

XXXX letters was written to Midland Mortgage to remove insurance from payment. Midland Mortgage was billing me XXXX XXXX more over the insurance payment monthly to include late payment fees for the over payments on my escrow for insurance. Midland mortgage escrow is a scam to make money on your payments by overcharging the insurance fee payment. I was told that I had to put {$440.00} in addition to my insurance payment for a cushion while midland reap monthly percentage off my overage payment.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bull City Financial Solutions, Inc (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX has infringed upon my rights and privacy protections as in the following laws In accordance with Law 15 USC 1681B, the Fair Credit Reporting Act ( FCRA ) section 605B stipulates that it is unlawful to report information without my consent. Additionally, under USC 15 section 1681, there is an obligation to ensure accuracy, fairness, and privacy in the reporting of assembled personal information. Failure to remove negative items upon dispute may result in a liability of {$1000.00} per item, as outlined in 15 USC 1681n ( Civil Liability )
Consumer complaint received 2024-06-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SG and Associates (SC)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.