davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MA)

On XX/XX/XXXX I applied for debt consolidation and for the SAVE repayment plan. My debt was consolidated, but they never placed me on the SAVE plan. I reapplied for the same IDR plan, but I have still not been placed on it. On XX/XX/XXXX, I was placed on a one month forbearance. By the end of that month, my plan had still not been processed. I called Mohela around XX/XX/XXXX, to discuss the matter. They claimed to be expediting my application, and placed me on another forbearance. This one expired XX/XX/XXXX, and I was charged at the normal rate, rather than an iDR. I was unable to contact Mohela at that time due to the holidays. To avoid failing to pay my loans, I paid that {$990.00}, {$600.00} more than I ought to owe. I called Mohela again on XX/XX/XXXX. They offered again a forbearance, to expedite my SAVE Application, and to refund my payment. None of that has happened this week. I can not afford to make these payments at this rate, I have submitted my application months ago, and every month I am not paying on the SAVE plan, I am also not making qualifying PSLF payments, massively increasing the money I will eventually pay on my loans. I feel I have done everything right, but Mohela has no interest in supporting me.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-11-07
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: Mr. Cooper Group Inc. (NY)

I am submitting this complaint to you in order for you to verify certain confusion and inconsistency of a certain account number on my credit report that violates my rights as a consumer. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS. I dispute XXXX XXXX XXXX This account was closed on XX/XX/2020 however it's showing delinquent activity after the closed date. Your procedures have allowed this since XX/XX/2020 and this has been highly damaging to me. I want this account updated. How did it happen that this account only shows late 30 days but no exact dates of delinquency? How did it happen that this account continued to provide delinquent activities after it was closed?
Consumer complaint received 2021-08-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (UT)

I have a XXXX XXXX XXXX XXXX and XXXX Accounts. My last transaction that went through is on XX/XX/XXXX. Ever since then, even though I have over {$190.00} in my Spend account and {$10000.00} in my save account, my debit card is declined and when I try to transfer my money out of the accounts it says my account is frozen. I also get an error, if I try to close my accounts. 

I have emailed and phoned the customer service over and over - and they just say they will forward to a specialized team. I never hear back from any of them. I don't even know why they froze my account. 

I have bills to pay - I need my money back. Please help me get them to unfreeze my account ASAP
Consumer complaint received 2023-12-19
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. (GA)

Despite my previous XXXX written requests, the unverified items listed still remain on my credit report in violation of Federal Law. They stated in their responses to my XXXX dispute letters that they have verified that the items listed are accurate but they failed to send me copies of the documents that they used to verify these accounts as per my request. The fact that they have ignored my request to send me copies of the documents that they used to verify the disputed accounts is evidence that they can not and did not verify any of the disputed accounts like they said they did. Their failure to delete the disputed accounts that they can not verify after XXXX written requests is also evidence of their willful disregard of Federal Law.
Consumer complaint received 2023-07-18
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: EQUIFAX, INC. (TX)

I urge you to promptly take action to remove the fraudulent accounts from my credit report, as they were not authorized by me and are causing significant distress. It is crucial that you rectify this error without delay.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

For over one year, I have diligently attempted to address the inconsistencies between the information provided by Transunion and that of XXXX and XXXX. Despite my efforts, these discrepancies persist, leading to confusion and frustration on my part. It is concerning that the credit profile provided by Transunion does not align with the data furnished by the other two credit bureaus. This misalignment not only undermines the accuracy of my credit report but also raises doubts about the reliability of Transunion 's reporting practices. Transunion 's customer service representatives have failed to provide meaningful assistance in rectifying these discrepancies. Instead, they have insisted that I have no credit profile or have requested unnecessary identification documents for every complaint I raise. This pattern of unhelpful responses and unfounded accusations has only added to my frustration and impeded the resolution of this matter. As a consumer, I have the right to accurate credit reporting and fair treatment from credit bureaus. However, Transunion 's actions have fallen short of these standards, resulting in significant distress and inconvenience for me.
Consumer complaint received 2024-02-09
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)

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX acct. ending in XXXX Each disputed account the debt has been deem uncollectible. Each disputed account is past the statute of limitations. Each company has issued a form 1099c. There are court cases that have ruled it is unfair to continue to report to a credit report after these actions have taken place. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX it would be inequitable to require that ( Defendant ) report the discharge of debt as income on his federal tax return or face the potential tax consequences and hold that the plaintiff may continue to hold him liable on the debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( a ) holding that it is inequitable to allow a creditor to belatedly enforce the alleged debt after it received the tax benefit of the charge off XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( issuance of form 1099c after debt was written off is " XXXX XXXX evidence '' that debt had been discharged by creditor, sufficient to create an issue of fact XXXX  acct. XXXX XXXX XXXX XXXX XXXX XXXX  was was deleted XX/XX/XXXX through CFPB complaint XXXX. Now I have discovered that the item has been reinserted on my credit report. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. 

*NO payment history reporting *No high balance reporting. 
Date of last activity reporting different for XXXX and Equifax Last payment reporting different for XXXX and Equifax. 

XXXX XXXX XXXX*** Payment history reporting inaccurate. No on time payments reporting. Missing data for XXXX, XXXX, XXXX, XXXX, XXXX of XXXX. 

XXXX acct ending in XXXX Ive submitted a tax fraud case online against XXXX bank with the IRS. Reference number XXXX. 

The acct is reporting inaccurate payment history. Many missing months of no reporting data. 

I hereby demand that you immediately delete these items from my credit report in order to avoid legal action. I am submitting this complaint to the Attorney Generals Office, and the XXXX.
Consumer complaint received 2024-04-25
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. (GA)

I was trying to purchase a house, I have damaging information on my credit profile, there should be no damaging information on my credit profile Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XX/XX/year> XXXX : CONSUMER FINANCIAL PROTECTION BUREAU AND FEDERAL TRADE COMMISSION RE : YOU HAVE VIOLATED THE USA LAW FAIR CREDIT REPORTING ACT 15 U.S.C & 1681g DEMANDING ATTENTION FROM LIVE REPRESENTATIVE!!!! 
Im not happy with the way your company is handling my consumer report. I was a part of a Equifax breach and your company is still not securing my information. I have already filed complaints with the Attorney Generals Office in your state and my state about your illegal attempts to damage my consumer report. I've also made a complaint to CFPB. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer. 
Thereis not a possible way a debt can be validated under 15 U.S Code 1692g ( 5 ) ( b ). YOU ARE BREAKING THE U.S FEDERAL LAWS. You will be hearing from the CFPB about these violations. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are federal law violations and damages as a natural person. I am demanding your company to remove these accounts IMMEDIATELY As stated before, I am aware of the FCRA law. Considering your responds you are NOT in compliance with these laws. Ihave the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.I do not consent you to use the XXXX  system to verify or look over this matter. Also it has been way past 30 days for you all to respond to my disputes which again is a violation. I DEMAND THAT YOU DELETE THESE FOLLOWING ACCOUNTS IMMEDIATELY Account : Account Number : Reason XXXX XXXX XXXX. XXXX FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXX FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXX FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXXXXXX FRAUDULENT ACCOUNT Its your duty, mandated by law be in compliance with the laws.The furnisher never provided any proof to me that that account listed above was reported 100 % accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the Attorney Generals Office in my state and yours if the above items are not deleted ASAP. Tracking everything CC : FTC, XXXX XXXX, CFPB Client name XXXX XXXX
Consumer complaint received 2024-01-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account status incorrect
Company: COLUMBIA BANKING SYSTEM, INC. (WA)

Umpqua Bank gave away my SSN in a data breach. I wanted to stop working with the bank. 

I went into a branch, requested a payoff amount for my HELOC of ~ {$80000.00}, and paid the amount in full at the branch. I was told that this would close my account. Then six months later in XXXX, I get a bill in the mail saying I owe {$75.00}, and that the account is still open. I contacted Umpqua. 

My credit report reflects this event as the loan being PAID IN FULL, then a few months later, says DORMANT ACTIVITY and now in XXXX says LATE PAYMENT. I called to dispute this and figure out why my account is still open. That dispute is still active. Meanwhile, though I completely disagree with the {$75.00} fee, I have paid it. 

The problem is that in the branch, I was told this account was paid off and closed. I was outright lied to by Umpqua. In fairness, the folks at the branch kept saying that the payoff process had changed, and seemed to be grappling with new instructions on what to do. Even so, I came in and paid off the $ XXXX note intending to pay it off, and now Umpqua is destroying my credit over a {$75.00} fee I never knew about until it was already late. 

They breach my data. They hold the account open after telling me it is closed. They pound me with minor fees they don't communicate, and then destroy my credit ... over {$75.00}. This is an awful bank to work with and they keep giving me the run around. The last person I spoke to said that the " Fair Lending Act '' legally prevents them from waiving any fees, and refused to help other than saying " you signed the terms and conditions, you knew. '' Excuse me, I did NOT know they were going to give away my private information forever. I did NOT know I would receive fees after they TOLD ME my account was closed. I did NOT know my credit score would be ruined over this. This is a very anti-consumer position that the bank is taking.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE (CT)

Incorrect account : Account info Account name XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$1.00}, XXXX written off. {$2.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX {$2700.00}
Consumer complaint received 2024-01-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY (PA)

XXXX XXXX XXXX sent communication via mail stating they are debt collectors and are attempting to collect a debt. Communication dated XX/XX/XXXX ( exhibit A ) stated they were trying to collect a debt from American Express in the amount of {$10000.00} and a response must be had by XX/XX/XXXX. The next communication received was dated XX/XX/XXXX ( exhibit B ) stating that American Express allowed them to make an offer to regain card membership and reinstate the account. I then sent XXXX communication on XX/XX/XXXX ( exhibit C ) ; accepting the offer, disputing the debt, requesting validation, the name and address of the original creditor, and proof of contract to lawfully collect this alleged debt. I then received another communication from XXXX XXXX XXXX, dated XX/XX/XXXX ( exhibit D ), restating the same communication from XX/XX/XXXX. I have yet to receive any communication from XXXX in response to my acceptance of the offer within the communication they received. The consumer has never entered in a contract with XXXX XXXX XXXX. 
As stated in the communication sent to XXXX, I believe they may be an innocent purchaser of the alleged debt. As American Express may not be in compliance with their prospectus. An audit of both accounts, American Express and XXXX is being requested for tax purposes.
Consumer complaint received 2024-01-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc. (SC)

The following accounts are unverified and unauthorized accounts. I have no knowledge of the following : XXXX XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX  XX/XX/2021. According to the FCRA, these unverified and unauthorized items must be removed.
Consumer complaint received 2024-04-26
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)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-12-19
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)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2024-01-08
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB (NV)

I was notified by my bank and was forced to order a new debit card due to suspected fraud. I logged into Klarna to remove the old debit card and replace it with my checkign for the time being. I also made a payment for one of my items. Well, they still attempted to charge the inactive card, and it failed since it was cancelled. Well, this caused me to be charged additional fees and my credit is no longer availbale to use. 

I reached out seeking resolution to this, and the rep refused to assist me.
Consumer complaint received 2024-01-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Good afternoon and thank you very much for assisting me with resolving this matter! 

Last Wednesday ( XX/XX/XXXX ) I was transferring money from my Capital One checking account to my XXXX XXXX checking account, via XXXX. There was a phone number that was identical to mine ( the first XXXX digits ) in my contacts directory and I inadvertently clicked that number and hit send before I realized it. 

I've contacted the individual that it was sent to - no response. I filed a refund request with Capital One and the money has not yet been credited to my account, and XXXX has told me to kick rocks. I literally filed this complaint with Capital One XXXX minutes after sending the cell transfer. Please assist with this. 

I'm available to discuss anytime - XXXX XXXX XXXX
Consumer complaint received 2024-01-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: PENNYMAC LOAN SERVICES, LLC. (IN)

I noticed billing error in my agreement. I endorsed my promissory note which is a negotiable instrument and made payable to the company. They received XX/XX/2023. 

XXXX. NEGOTIABLE INSTRUMENT. 
Primary tabs ( a ) Except as provided in subsections ( c ) and ( d ), " negotiable instrument '' means an unconditional promise or order to pay a fixed amount of money, with or without interest or other charges described in the promise or order, if it : ( 1 ) is payable to bearer or to order at the time it is issued or first comes into possession of a holder ; ( 2 ) is payable on demand or at a definite time; and.

I requested that they return my tender and also file a 1099 C so that I can properly discharge the debt due to house joint resolution XXXX. 

The company refused to file or accept my negotiable instrument as payment. 

The loan agreement states that they gave me money for the mortgage but I never recieved any money. Upon the contract I gave the promissory note on my end of the agreement but the funds were not loaned to me from the company financial assets. 

This company acquired my mortgage which was originally sold to them without my consent or acknowledgement from my previous agreement.

12 U.S. Code 83 - Loans by bank on its own stock ( a ) generaL prohibition No national bank shall make any loan or discount on the security of the shares of its own capital stock I believe my entire contract was fraud, and the company stated they have a lien on my property but I have found no such this in the state records. I have certified Ucc 11 from Secretary of State.

31 U.S.C 3123 18 U.S.C 8 U.C.C 3-603 U.C.C 3-604 U.C.C 1-308 15 U.S.C 1681
Consumer complaint received 2024-01-08
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (WA)

In XX/XX/XXXXXXXX  my signature was forged on a lease agreement. The renter got behind on the rent. In XX/XX/XXXX she basically disappeared from sight, abandoning the apartment and left it in horrible conditions. The apartment complex emailed me repayment plans. I couldnt remember ever meeting the manager or being in the office. I had not even been in the apartment until fall of XXXX, when the kids began requesting groceries. I requested and received a copy of the lease agreement and when I saw it, I saw my signature was forged. I was referred to EERP, a mediation group to help resolve the claim.. I explained the signature was a forgery and they dropped my name. It is not even close to my true signature! I tried explaining the situation to the apartment complex and was pretty much ignored. The account was referred to a collection agency for a balance due of over {$17000.00}, and growing with interest fees. I explained the forgery to the collection agency. The collection agency emailed me a list of paperwork to submit and protocol to follow and filing this complaint is one of the items listed.