davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Selene Holdings LLC (MN)

I became delinquent on my mortgage payments. I had several phone calls with my mortgage lender on how I might be able to resolve the issue. I asked if they would be able and/or willing to put my past due payments on the backside of my loan and they said no. I asked if I could make partial payments and they said no. I then tried to make a full payment amount and they would not accept ANYTHING other than the full amount due of all my missed payments. They were unwilling to work with me at all and would often times simply hang up on me. I received a foreclosure notice on XX/XX/XXXX with a SHERIFF 'S SALE date of XX/XX/XXXX. The have added on an exorbitant amount of unjust and unreasonable fees and raised my mortgage with no explanation of that change. In the mortgage foreclosure papers, their numbers and dates are completely incorrect. They state my original mortgage was in XXXX in the amount of {$170000.00}. My actual mortgage was in XXXX in the amount of {$150000.00}, which is proven and has been submitted to them by the State of MN. They have been completely unwilling to work with me and discuss any options for remediation other than paying only the full amount due which again includes unreasonable and unjust fees. I am now working with a mortgage counselor in the State of MN, along with the MN Attorney General and am working diligently to resolve my issue, however, this mortgage lender has a reputation of being unfair and unreasonable. It appears as though they want nothing to do with the consumer and just want to keep adding unreasonable fees and want nothing more than to foreclose on people 's homes. Their unjust and unreasonable fees added on make it near impossible to become current and again, are unwilling to even speak to me to try and resolve this matter. Their reviews indicate just as much and much, much more.
Consumer complaint received 2024-04-02
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. (NJ)

Dear XXXX XXXX XXXX, This is to bring to your notice that my credit report shows an inquiry from your company on XX/XX/year>, which I do not understand. As far as I know you are not permitted to inquire about any of my debt amounts without my authorization. 

The presence of such items on my credit report is likely to affect my credit worthiness and hamper my chances of acquiring new credit. Therefore, I request that you remove this inquiry from my credit report immediately. 

Please forward a written document stating that you have accepted my request. 

I am expecting an early response from you.
Consumer complaint received 2024-04-02
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. (CA)

According to the Fair Credit Reporting Act ( hereafter referred to as " FCRA '' ), Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
Therefore, I am demanding to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Consumer complaint received 2023-09-26
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: BSI Financial Holdings, Inc. (WA)

On XX/XX/XXXX, I canceled my auto payment feature Via BSI Financials ' website and made the full mortgage payment that day. That payment was submitted ( {$3400.00} ) but the auto payment was also deducted from my account ( {$3400.00} ), resulting in double the payment for XXXX of {$6800.00}. I called BSI Financials customer service on XX/XX/XXXX once I noticed this. They told me they could refund the second payment but only via check. I agreed thinking that should take no more than two weeks as the employee stated it would be processed in ten business days. The second payment of ( {$3400.00} ) was reversed from my account but the check never showed up. I called customer support after waiting 29 days and was told their policy is to wait 30 days from when the check was issued ( XX/XX/XXXX ) and if the check was still not received, they would void the check and could either issue a new check or applied the funds to my next mortgage payment. I called back on XX/XX/XXXX, and they told me the check was now void and for the funds to be applied I have to submit a letter via email stating I want the funds to be applied to my XX/XX/XXXX mortgage payment. I emailed this letter on XX/XX/XXXX asking for confirmation the letter was received and the funds will be applied. I followed up to the email on XX/XX/XXXX & XXXX with no response. I called customer service again on XX/XX/XXXX inquiring about the email and was told to call back on Monday or Tuesday but to rest assured that the funds will be applied to my XXXX payment. I called Customer Service this morning XX/XX/XXXX and was told that the funds were already applied to my XXXX payment when in fact I have the transaction from my checking account showing I paid it. The customer service again asked my to forward him the email I sent on XX/XX/XXXX so he could send it to their finical department and told me it will take 48 to 72 hours to be reviewed. The Two-month mark of this issue is approaching and there has been no resolution to date and my family is out {$3400.00} due to BSI Financials negligence and poor customer service.
Consumer complaint received 2023-12-26
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Huntington Debt Holding LLC (TX)

Company is attempting to collect a charged off account in collections Charged off accounts are considered income and must be deleted 15 U.S Code 6802 15 U.S Code 6805 Privacy protection violation Consumer credit violation
Consumer complaint received 2024-04-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2023-09-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Movement Mortgage LLC (FL)

Movement Mortgage has displayed a continuous and ongoing pattern of mismanagement and manipulation of my XXXX XXXX XXXXXXXX loan. After several specific issues related to my Escrow account such as Movement 's failure to disburse funds by the due date, Movement disbursing funds AFTER the due date and after I've made payments directly, etc, I formally requested that Movement close my Escrow account so that I may manage Insurance & Tax payments directly, as I've been doing anyway due to their mismanagement. 
Movement approved the Escrow account closure, then denied it, then re-approved the closure citing Clerical Issues on their backend, etc etc etc. 
On XX/XX/XXXX, I received a letter from XXXX XXXX indicating all backend clerical issues had been addressed, and that my Escrow account is now closed, and that my surplus Escrow funds had been mailed directly to me on XX/XX/XXXX, and I should receive that check in the mail within 7-10 business days. 
Naturally, I haven't received any Escrow refund check as of today XX/XX/XXXX. Furthermore, I see within my Movement Payment Portal that on XX/XX/XXXX, Movement has once again disbursed yet another duplicate Tax payment from my Escrow account which should have already been closed. Furthermore, due to this latest inexplicable disbursement, there is now another SHORTAGE within my Escrow account which shouldn't exist. On XX/XX/XXXX I also received a letter from Movement that my monthly payments will now INCREASE as a result of this manufactured shortage on my Escrow account which shouldn't exist. I'm requesting CFPB to step in here once again to help me find resolution. I've attached a timeline of events as reference.
Consumer complaint received 2023-12-10
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: EQUIFAX, INC. (IN)

I have been a victim of identity theft. There are several inquiries and accounts that were opened fraudulently that I didn't authorize. Additional inquiries, XXXX XXXX XXXX, XXXX, XXXX, XXXX dated XX/XX/2022. In accordance with the Fair Credit Reporting Act XXXX Account ( XXXX XXXX, Equifax ) has violated my rights. 15U.S.C 1681 Section 602 A states I have the right to privacy. 15 U.SC 1681 Section 604A Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Please have inquires removed from my credit file because it is making it very difficult for me to acquire credit. Thanking you in advance.
Consumer complaint received 2024-04-02
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. (GA)

update the following accounts on my credit report. according to the FCRA credit guidelines. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-02
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. (OH)

Hello I pulled my credit report on XXXX XXXX I have numerus number of unauthorized inquires on my report. 

You sent a response in the last complaint that XXXX removed the information, but nothing was done I did not authorize these inquires below that are reporting on my Experian credit report : 1. An unauthorized inquiry was made by XXXX XXXX XXXX XXXX XX/XX/XXXX 2. An unauthorized inquiry was made by XXXX XXXX on XXXX, XXXX 3. An unauthorized inquiry was made by XXXX XXXX on XXXX, XXXX 4. An unauthorized inquiry was made by XXXX XXXXXXXX XXXX on XXXX, XXXX 5. An unauthorized inquiry was made by XXXX XXXX XXXX XXXX on XXXX, XXXX 6. An unauthorized inquiry was made by XXXX XXXXXXXX XXXX XXXXXXXX on XXXX, XXXX 7. An unauthorized inquiry was made by XXXX XXXX on XXXX, XXXX 8. An unauthorized inquiry was made by XXXX XXXX XXXX on XX/XX/XXXX Please remove these unauthorized accounts
Consumer complaint received 2024-04-02
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Paying off the loan
Company: BETHPAGE FEDERAL CREDIT UNION (AZ)

Since XX/XX/XXXX I have been able to make additional principal payments on my Heloc. 
From XX/XX/XXXX, I am now NOT ALLOWED to make additional principal payments from either the app or website. 
I called and was advised that Bethpage now prohibits additional principal payments on their Heloc accounts.
Consumer complaint received 2023-12-27
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. (PA)

I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : 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. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Consumer complaint received 2023-04-15
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. (DE)

It appears that my credit file has been compromised. Again, I was going through my records & noticed items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2500.00}
Consumer complaint received 2023-09-26
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. (GA)

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 Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXXXXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX  Account NumberXXXX 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 2023-09-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

I have contacted Mohela via email messaging on Mohela Website on 9 separate occasions and at least 3 different phone calls regarding the same topic. 

My initial message sent was on XX/XX/XXXX and I have a string of messages until XX/XX/XXXX with useless generic responses even after waiting days for an appropriate response. 

I have called and spoken to XXXX different agents, all which have told me incorrect information despite rules and policies quoted directly from studentaid.gov. I have spoken to XXXX, a supervisor who reassured me that my loan will be processed correctly. She even told me " MOHELA IS A MESS AND WE HAVE TRAINEES ''. 

To date, my monthly payment is showing more than {$4100.00} per month on a PAYE plan. How is this even possible?? {$4100.00} is more than a standard repayment plan and here I'm listed as a low income plan. I've been advised by Mohela to start payment and recertify immediately. This goes against the recommendations of all my loan advisors, friends, forums, and most importantly IMFORMATION FROM STUDENTAID.GOV.. Lastly a trainee customer service agent actually submitted a recertification process despite me telling her TWICE that I DO NOT GRANT permission to initiate a recertification. My account details are grossly incorrect. 

Mohela is impossible to call into due to " high call volumes ''. I have tried numerous times without availability. Unfortunately due to long wait times, life moves on and I must return to work. 

Please fix my Mohela account! This is causing excessive and unnecessary financial burden. It is impossible to budget, or financially plan due to excessive delays and misinformation. This is leading to huge lost in opportunities and financial lost.
Consumer complaint received 2023-12-22
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: TD BANK US HOLDING COMPANY (IL)

I made two payments that have not accredited to my balance. They have also incentives and awards that have not credited to the rewards for use. They separate purchase so you cant earn the rewards. And block you from using the offered discounts at the time of purchase. Something is really wrong and gimick. Its almost like theft.
Consumer complaint received 2024-04-02
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. (TN)

In Accordance with the Fair Credit Reporting act. The list of accounts below has voilated my federally protected consumer rights to privacy and confindentiality under 15 USC 1681. 

XXXX XXXXXXXX Account Number XXXXXXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXXXXXX Account Number XXXXXXXX XXXX XXXXXXXX Account Number XXXXXXXX XXXX XXXXXXXX Account Number XXXXXXXX XXXX XXXX Account Number XXXXXXXX XXXX Account Number XXXX XXXX XXXXXXXX Account Number XXXXXXXX XXXX XXXXXXXX Account Number XXXXXXXX XXXX XXXXXXXX Account Number XXXXXXXX XXXX Account Number XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX  Account Number XXXX XXXXXXXX XXXX XXXX BANK Account Number XXXXXXXX XXXX Account Number XXXXXXXX XXXX Account Number XXXX has violated my rights 15 U.S.C 1681 section 602 A. states I have the rights to privacy.

15 U.S.C. 1681 section A section 2 : It also state a consumer reporting agency can not finish account without written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer reparation 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 peron shall not furnish any information relating to a consumer to any consumer reporting agency if person has knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I have previously filed a complaint with the CFPB ( complaint ID number XXXX ). Since the supposed resolution of the last complaint, I have continued to receive calls from this debt collection company that are harassing in nature- XXXX XXXX  and then hanging up, but my caller ID has logged every single call. This company calls in this manner 3 or 4 times a day, the most recent call being today, XX/XX/XXXX at XXXX XXXX XXXX. The company previously said in the resolution to my last complaint that they would cease contact but they have not and have in fact increased their calls, and XXXX XXXX and hanging up is definitely legally harassment.
Consumer complaint received 2024-04-02
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 writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2023-09-02
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. (NV)

Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX Dear equifax, I am writing to dispute the following information that appears on my equifax report from XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX an XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proog is demonstrated per U.S. code 15 U.S.C s 1681 et seq.section 604 fair credit reporting act Once you have fullfilled my request, mail me an updated credit reportreflecting these changes. 
XXXX XXXX
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I HAVE DISPUTED THIS INFORMATION CONTAINED IN MY CREDIT REPORTS SEVERAL TIMES AND I HAVE NOTIFIED THE CREDIT BUREAUS THAT THESE ITEMS DO NOT BELONG TO ME AND NEEDS TO BE DELETED FROM MY CREDIT FILE. I AM A VICTIM OF IDENTITY THEFT AND I HAVE SUBMITTED PROPER DOCUMENTATION IN THAT REGARD AND THEY STILL WILL NOT DELETE IT FROM MY CREDIT FILE. THEY HAVE ALOS REFUSED TO SEND MY ANY DOCUMENTATION THAT VALIDATES THIS DEBT ... REASON IS BECAUSE IT DOES NOT BELONG TO ME. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
THESE ACCOUNTS ARE NOT MINE AND DO NOT BELONG TO ME, THEREFORE THEY NEED TO BE DELETED FROM MY CONSUMER CREDIT FILE.