davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (NY)

I am writing to dispute the accuracy of the following information on my credit report : I believe this information is inaccurate, incomplete, and in violation of my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I am asserting my rights under : 15 U.S.C. 1681 : The Fair Credit Reporting Act, which protects consumers from inaccurate or misleading information in their credit reports. 
15 U.S.C. 1681b : My right to privacy and the prohibition of furnishing information without proper authorization. 
15 U.S.C. 1681s : Regarding the furnishing of information related to motor vehicles without written consent. 
15 U.S.C. 1666b : Regarding the treatment of payments on open consumer credit plans. 
I request that you immediately investigate and remove these inaccurate and disputed items from my credit report. I am enclosing a copy of my credit report for your reference. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i, I am requesting that you reinvestigate this matter and correct my credit report accordingly.
Consumer complaint received 2023-11-01
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)

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX I wanted to inform all parties that in the last thirty ( 30 ) days I have contacted the Federal Trade Commission . I explained in my letter that, you, as a Federal Reporting Agency have not complied with any of the Laws under the FRCA Laws 605b Identity and 609A1 E2 Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information.

I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financially liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance, your agency has yet to respond to my questions and statements of the Law. 
Please delete the following unverified fraudulent account XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX** As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Consumer complaint received 2023-07-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (OK)

On the XXXX of XX/XX/XXXX I checked to see if my property taxes had been paid. They had not. Since I was about to receive a penalty for property taxes not being paid on time I paid these taxes ( {$2300.00} ) through my bank account. 

My mortgage is supposed to include the payment of my property taxes, which specialized loan services failed to ensure went through. They state that there payment was sent on XX/XX/XXXX. But this was not indicated when I first contacted them in XXXX of XXXX. 

After multiple months of being told the item was being looked into the company finally received the portion that was to be paid through my mortgage from the state of Oklahoma. 

I have made multiple calls to confirm that the reimbursed amount would be sent to me upon receipt. Now that the money has been received it was posted to my escrow account on ( XX/XX/XXXX ). 

This money should never have gone to SLS and should have been sent to me as I am currently out both the payments for taxes associated with my mortgage ( {$2300.00} ) and the same amount taken from my bank account, which never should have been necessary. 

I am now being told that an escrow analysis will be conducted and I'll be sent the current overage. This is not what was agreed upon over the phone during the first couple months of phone calls. 

All that I am requesting is that they return my double payment amount ( {$2300.00} ) to me. I have been out this money for approaching 7 months. They never should have had access to my portion of the taxes and have essentially pocketed my payment with the plan to pay me whatever portion remains after an escrow analysis. I am requesting the full payment ( {$2300.00} ) as the money I paid from my bank account never should have been needed or involved. 

The refund should have been sent directly to me and not to specialized loan services. My complaint stems from the amount of time it has taken to resolve the issue ( past 6 months into the year ) along with them only trying to return a small portion of the funds, which I have now paid twice to me.
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

My credit report is showing late payments to XXXX XXXX XXXX and XXXX XXXX XXXX. These inaccurate items are not only embarrassing ; they are preventing me from obtaining the credit I deserve. As you and I are both aware, there are laws that ensure that credit bureaus report only accurate credit information. It is evident that the inclusion of this inaccurate information is a mistake on either your part or the reporting creditors part. Also, I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim. It is with great concern that I insist you verify that this information is incorrect and update and repair it from my profile. Due to the damaging effects of such negative inaccurate information I must insist that this is done swiftly.
Consumer complaint received 2024-08-04
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. (NY)

I have sent dispute requests to XXXX, XXXX and Experian regarding the following account number : XXXX. The dates of these disputes are as follows : XX/XX/year>, XX/XX/year> and XX/XX/year>. Despite all of these letters sent to these bureaus, there has been no dispute language on my credit report. There have also been no investigation results sent to me. It is very clear that my case has not been looked into whatsoever by any of these bureaus.
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. (LA)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

I looked at my credit report on XXXX XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) 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 ( i ) 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.

and according to 15 USC 1681s-2 they are suppose to 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 2023-11-01
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. (CA)

This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. 
These items are not correct and are causing me financial and emotional distress because of their derogative nature. The following items must be updated : XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MS)

Recently, I reviewed my XXXX consumer credit report and noticed it was several inaccurate and incomplete accounts. According to the FCRA its illegal to report inaccurate and incomplete items. By law you are obligated to investigate these inaccurate accounts. 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 of inaccurate or incomplete. 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. Please remove these accounts immediately! Thanks! 

XXXX ( account number ) - XXXXXXXX XXXX XXXX ( account number ) - XXXX XXXX XXXX ( account number ) XXXX XXXX XXXX ( account number ) XXXX XXXX ( account number ) XXXX
Consumer complaint received 2023-11-01
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. (NJ)

I'm sending this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below 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 information incorrect
Company: EQUIFAX, INC. (GA)

Due to various concerns regarding a lack of fair and accurate credit reporting.Th information being reported has caused damages. I have experienced difficulties seeking new credit. 
The below listed accounts are in violation According to 15 U.S.C. 1681b, 15 U.S.C. 1681e ( b ), and 15 U.S.C. 1681 the person should not be reporting inaccuracy to my consumer report when I, the individual have reasonable cause that the information is inaccurate. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (WA)

I began receiving notices that my wages would be garnished to pay Midland Credit Management ( MCM ) late in XXXX. Starting on XX/XX/XXXX my wages were garnished until XX/XX/XXXX when the total sum of {$1000.00} was garnished from my paychecks. That collections account is still on my credit report and a MCM representative told me that it is my responsibility to contact the court to ask a judge to sign an order of release of the funds to them. 

This seems unfair to me because : -I didn't think MCM could legally garnish my wages for a collection. It was my understanding that if I didn't pay a collections debt the consequence was a negative impact on my credit, and possibly that if left on there it would fall off my credit report after 7 years -MCM put the process of garnishing my wages through pretty quickly with a court order but suddenly they can't do anything to contact the courts about receiving the money garnished from me. Why is it my responsibility to make sure they get their money?
Consumer complaint received 2017-02-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (ID)

Fell under financial hardship and needing a loan modification for our primary residence. 
Nationstar reps are giving different answers, solutions and timelines with every call making it difficult to make an educated decision on our primary residence. 
We are not receiving the documents Nationstar said they have sent and have to call and request them. Some of Nationstar requests have deadlines. Not having all the information to make a decision is difficult. 
We fear that because of the equity we have in our property, that Nationstar is not willing to work with us and taking advantage so they may profit. 
With the Nationstar modification we were approved for, they are moving our delinquent payments to the end of the loan but we do n't know if we pay interest again on those payments and Nationstar will not tell us what happens after the trial payment period of their modification. 
We have a detailed summary that is too large for this form.
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. (TN)

I'm a Vitim of identity theft. Here is a copy report of my police report that I have sent to all three credit bureaus including my identification. None of these accounts are belong to me including those student loans. I need every account deleted or removed.
Consumer complaint received 2019-12-26
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Recovery Services, Inc. (PR)

Complaint against XXXX XXXX XXXX, SOUTH WEST RECOVERY SERVICE,  XXXX XXXX, XXXX XXXX. 

XX/XX/XXXX - I submitted an application ( XXXX participating professional application ) to XXXX to establish a consumer credit program for, and to obtain merchant processing privileges. 
This program allows consumers to pay for dental services with XXXX XXXX. ( appendix a ) Application approved by XXXX XXXX ( XXXX ) Terms and conditions : XXXX ( appendix b ) XX/XX/XXXX XXXX   Welcome Letter ( appendix c ) : Thank you for adding the XXXX healthcare credit card ( offered by XXXX XXXX ) as another payment option to help more patients access care without delay. 

A terminal for processing XXXX was received. Part Number XXXX. Description XXXX XXXX, XXXX XXXX, XXXX. 
Serial Number XXXX. 

This terminal was used to process XXXX XXXX transactions until XX/XX/XXXX. 

XXXX XXXX XXXX letter informing of transition of XXXX to XXXX XXXX XXXX of commercial credit card transactions ( eg Visa, MC, XXXX etc ). This agreement was not to affect my XXXX Private Label Credit Card program. ( appendix d ) XXXX XXXX XXXX NEVER contacted me. The letter said " NO ACTION NEEDED ON YOUR SIDE '' PROBLEM :XX/XX/XXXX email from XXXX. ( appendix e ) Informs me of outstanding debt of {$890.00} from XXXX XXXX XXXX for equipment NEVER received XXXX XXXX XXXX XXXX This account is considered to be past due and will be reported against your personal credit on XX/XX/XXXX. 

My Comments : As soon as I received XXXX letter of XX/XX/XXXX I  contacted XXXX by phone asking them how to return their terminal ( XXXX XXXX, XXXX XXXX, XXXX ). They informed me that their terminal was not to be returned. I only needed to return XXXX XXXX XXXX terminal if I did not wanted to accept Credit Cards ( Visa, MC, XXXX, etc ). 
IMPROTANT FACT : I told XXXX representative that I had not received the terminal from XXXX XXXX XXXX. 
IMPORTANT FACT : I have never process CreditCards ( Visa, MC, XXXX, etc ) with XXXX XXXX XXXX. 
IMPORTANT FACT : XXXX XXXX Representative told me that it must have been an error as XXXX XXXX WOULD NOT provide the credit card service to merchants in XXXX XXXX. 
Representative told me I could disregard letter. 

Conclusion- XXXX XXXX does not do business in Puerto Rico . 
Terminal was never received. Please provide proof of delivery.
Consumer complaint received 2023-11-01
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 recently reviewed a copy of my credit report. It indicated that a credit inquiry was made by following credit inquiries listed below. However, these inquiries were not authorized by me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Re : Dispute of Collection Status Accounts on My Credit Report Account Number : XXXX ( XXXX ) Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  ) Account Number XXXX XXXX ( XXXX XXXX ) I am writing to dispute several collection status accounts on my credit report, specifically the accounts listed above. I have reviewed my credit report and have identified several issues with the information that has been reported, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ). I kindly request that you investigate and rectify these inaccuracies promptly, as well as remove these accounts from my credit report. 

The basis of my dispute is as follows : Incomplete and Inaccurate Information : Upon reviewing my credit report, I have found that the information associated with the mentioned accounts is incomplete and inaccurate. It is crucial that the information reported about my financial history is accurate, as it directly impacts my creditworthiness and financial opportunities. 
I kindly request the following actions be taken : Verification of Accuracy : I ask that Experian, XXXX And XXXX investigates the accuracy of the information reported for these accounts, including verification of the account balances, dates, and any other relevant data. In the event that any inaccuracies are found, I request that they be corrected immediately. 
Removal of Inaccurate Accounts : If it is determined that the reported information is indeed inaccurate, I request that these accounts be promptly removed from my credit report. 
I want to highlight that inaccurate information can have a substantial negative impact on my credit score, which can affect my ability to obtain credit, housing, and employment opportunities. Therefore, I kindly request that you expedite the resolution of this dispute.

I will also be copying the Consumer Financial Protection Bureau ( CFPB ) and my state 's Attorney General 's office on this correspondence to ensure that the appropriate regulatory authorities are aware of my concerns and that my rights as a consumer are protected. 

I look forward to a timely resolution of this dispute and the prompt removal of the inaccuracies from my credit report. Please acknowledge the receipt of this dispute in writing and provide me with a case number for reference.
Consumer complaint received 2023-10-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (FL)

Today I received an email from MOHELA that I was being automatically placed on natural disaster forbearance. I am already on the SAVE plan which forgives interest and my payments are affordable. I have autopay set up. I did not ask for this forbearance and forbearance makes it so my interest is not being forgiven under SAVE anymore and being taken off this forbearance that I didn't ask for my interest will CAPITALIZE. I do not believe they should be allowed to do this?! They should not be able to place people on forbearance they didn't ask for if that means it will capitalize their interest. This is especially pertinent to people on the SAVE plan and seeking PSLF. Additionally, I can not get through to customer service! It took me like 10 minutes to navigate their phone tree and I was on hold for 40 minutes and then transferred to advanced help and my current wait time is an additional 88 minutes! This is absolutely unacceptable service!
Consumer complaint received 2023-10-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (VA)

I submitted a request to be put on a payment plan approximately once a month beginning in XXXX. As each month passed, I had not heard any confirmation that I would be put on my selected repayment plan, so I applied again. Finally in XXXX I scheduled a call - wait time of 2+ hours - to request over the phone that I be placed on my indicated repayment plan after having applied 4 other times. The representative did not understand why my requests had not been processed, but promised I would now be put on the plan I selected. Fast forward to XXXX, and I am still not on my preferred repayment plan. Additionally, I was notified that my loans were placed in administrative forbearance, and that interest would continue to accrue, and that the auto debit discount of .25 % from the interest rate of each loan would be revoked. There was no explanation of why my loans were placed in forbearance. I have applied for the repayment plan again but am skeptical anyone at MOHELA actually cares about my needs. It seems they are happy to take my money and provide no assistance or service in return, and in fact take additional action to squeeze more money out of me wherever possible.
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: EQUIFAX, INC. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :