davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This complaint is filed against all 3 credit bureaus of TransUnion, XXXX, and XXXX for reporting incorrect information and incomplete information on my credit reports on said account of first premeir under account number XXXX that shows a high balance of XXXX. Account has been disputed with all XXXX bureaus and was verified as corrector accurate.A copy of the XXXX XXXX XXXX 3 bureau credit report is included so the account can be side by side by side XXXX XXXXl errors and discrepancies can be verified. The said errors are : XXXX. TransUnion reports no late XXXX, XXXX, or 90 days late. XXXX  reports 2 30 days late,1 60 days late and 2 90 days late. Then XXXX reports XXXX 30 days late, XXXX 60 days late and13 90 days late. No way was the consumer XXXX 90 days late. All differ and can't be clarified as correct and verified. XXXX. TransUnion and XXXX report highest balance as XXXX. XXXX reports XXXX as highest balance. All can't be correct. XXXX. All three report different dates of last activity. TransUnion shows XXXX as XXXX. XXXX reports XXXX as XXXX. XXXX shows XXXX as XXXX. All are different and all can't be correct. XXXX. Both TransUnion and XXXX show date of last payment as XXXX. XXXX shows date of last payment as XXXX. All don't match. 5. Both TransUnion and XXXX show credit limit as XXXX. XXXX shows credit limit as XXXX. 6. Date last verified is missing on both XXXX and XXXX reports. 7. Date closed is missing on both XXXX and XXXX reports. XXXX. TransUnion report under dispute status says account not disputed. Contrary on same report under Creditor 's Remarks it says account disputed. Both can't be correct. XXXX. TransUnion report under Creditor 's Remarks says account is disputed. No dispute exist or pending and been concluded. Once dispute is over, TransUnion is to immediately delete any codes or remarks for dispute. TransUnion failed to delete dispute remarks/codes from account. XXXX. XXXX reports account not disputed under Dispute status. Contrary on same report under Creditor 's Remarks it says account disputed. Both differ and can't be correct. XXXX. XXXX  report says account disputed. No dispute is pending and has been concluded. Once dispute is over, XXXX was obligated to remove all dispute remarks or codes from account which was neglected to be done. XXXX. XXXX report shows account disputed under Dispute status and under Creditor 's Remarks. No dispute exist or is pending and has been concluded. Once dispute is over XXXX was obligated to remove all remarks or codes pertaining to dispute and failed to do so. All errors should result in deletion of this account.
Consumer complaint received 2023-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NC)

Civil action number for complaint of permanent injunction and other relief from company responsable to obtain documents of injured income to support outgoing relief of identity theft records of important documents of claims from business accounts affected in the Equifax data breach report. Log in issues causing phones to get password hacked change the last 4 digits with 2 combinations of the last 2 digits from ongoing complaints of phone hacking of identity theft phones of late payment dues of up going prices of XXXX claims of retail dealers consumer business hotels and business accounts from XXXX data breach causing hackers to loose data breach identity theft reports on Equifax consumer employee data breach hacks.
Consumer complaint received 2024-06-24
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: SANTANDER HOLDINGS USA, INC. (FL)

How am I supposed to make payments when XXXX XXXX was in full effect hindering all opportunities of income. On top of that it took unemployment almost XXXX XXXX to 2 years to render aid during that crisis. Along with that the company I was working for XXXXXXXX XXXX XXXX at the time was stealing money out of my paychecks this was on going for XXXX years before, during and after this alleged debt. I have proof of lawsuit filed against the company XXXX XXXX XXXX  along with proof that unemployment delayed financial relief. Between the company stealing money from my paycheck followed by XXXX, 4 months later. How can I possible manage any bill or bills for that matter. XXXX has taken advantage of this situation and is continuing to do so. The company XXXX XXXX XXXX  also took advantage of me, and united states government failed me during a natural disaster. I Lost Everything I was working hard for due to XXXX XXXX XXXX and covid-19. Santander doesn't care about its customer they hassled me nonstop during covid knowing of the situation. This is affecting not only my XXXX  state of mind but also my credit report. this should be removed from my credit report in Good Faith
Consumer complaint received 2023-09-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Data Mortgage Inc. (CA)

Dear CFPB, IM writing this letter because I'm afraid and exhausted of dealing with ESSEX Mortgage. It is now over 6 months since i applied for a loan modification on my loan ( loan # XXXX ) since then ESSEX Mortgage keeps telling me someone is reviewing my application and after a few weeks. 
ESSEX Mortgage tells me they lost the application and i need to re apply all over again. I am very frustrated since today i spoke to XXXX from the Loss Mitigation department and she told me they lost my loan modification and since they dont have it on file ill need to apply all over again. 
It didnt make sense so i requested for her supervisor and she hang up the call. However right before XXXX hang up the call she told me ill never get a loan modification on my account because i dont deserve it. 

Please help this is unacceptable ESSEX Mortgage/LOSS mitigation dept keeps doing this to me. 

XXXX XXXX
Consumer complaint received 2023-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (MA)

On XX/XX/XXXX, I received a letter from MOHELA stating that the Biden Administration paid off my stiudent loan in full. I decided to check my credit report 30 days later on XX/XX/XXXX with XXXX. The balance of {$36000.00} had not changed. I filed a dispute on XX/XX/XXXX, but when investigated, nothing changed. I then tried to see if my XXXX or XXXX account balances had changed- they did not. I filed a dispute with XXXX on XX/XX/XXXX, the report came back with the baance not changed. I filed another dispute on XX/XX/XXXX, but still nothing had changed. Keep in mind, I attached the PAID IN FULL letter from MOHELA each time. On XX/XX/XXXX, I filed a dispute with XXXX, but the results of the investigation were the same - no change in the balance. I am at the END of my rope. What can a consumer do when credit bureaus refuse to update? I have also contacted MOHELA by phone on XX/XX/XXXX, XXXX and XX/XX/XXXX -- and they claim they are sending the updated information to the bureaus.
Consumer complaint received 2023-10-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (OR)

On XX/XX/2023 I submitted an application and request to Mohela for move from the PAYE income driven repayment plan to the SAVE income driven repayment plan after using the student fed loan simulator and it indicating my monthly payments would lower. Once Mohela received my request ( before processing and approving it ), their projected payment was {$40.00} more a month and nearly {$100.00} more a month than the initial estimate. I called Mohela on XX/XX/XXXX to inquire as to why my payment would be hire and asked for them to cancel my application to move to the SAVE plan and remain on the PAYE plan with my original payment. The customer service representative told me they could do that and Id be placed back on my PAYE plan. On XX/XX/XXXX I logged on to Mohela and saw I had been moved out of the PAYE plan and to SAVE even though I had requested not to be and told by Mohela representative I would remain in PAYE. I called Mohela again and spoke to someone new. They told me the request to cancel my SAVE application had been submitted but not in time and that they could not move me back to PAYE without a new application. I asked them to submit the new application and was told it would take 7-14 days. I called again on after I received multiple back dated messages through the Mohela website that I was placed on administrative forbearance. The first person I spoke to told me I was on administrative forbearance because of the delayed processing time with IDR applications and that it could take up to 90 days to process. When I asked if months on administrative forbearance, that did not require a monthly payment, counted towards Public Service Loan Forgiveness, I was told that no, they would not count towards my Public Service Loan Forgiveness and that I needed to request to be removed from forbearance and make monthly payments to qualify. I called again later that day and asked a second representative if months of non-payment while on administrative forbearance counted towards public service loan forgiveness and this representative told me that yes, it would and I should remain on forbearance. I then emailed Mohela requesting for written confirmation as to whether administrative forbearance counted towards PSLF. I received a generic response that did not answer my question or provide the requested information. I responded to that email and never heard back.
Consumer complaint received 2023-10-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Dave Operating, LLC (TX)

I paid XXXX a deposit back in XX/XX/XXXX  and I canceled the trip to XXXX XX/XX/XXXX and was told I would get refund. I paid the deposit with my Dave debit card through XXXX. I contacted XXXX a few days later when on my XXXX account it showed refund was complete. Money was not in my XXXX account and was told by XXXX that it goes to original payment which was Dave account. I contacted Dave and was told that since account was closed that they rejected payment and it would go back to XXXX. I contacted XXXX again and was told if Dave rejected it that it would go to XXXX and they would reject it and it would end up in XXXX account. This has not happened. I contacted XXXX again and was told they could track the refund and could go from there. That was yesterday. Today I received email from XXXX that they tracked the refund and Dave had accepted the refund and it was complete. I contacted Dave and was told via email that since account is closed that they dont have a way to receive funds and to contact XXXX . The tracking of the refund shows Dave account accepted but they say they didnt. Also with XXXX I have spoken to 6 different people and pretty much always told the same thing. I can not get a Dave live person. I call and when I put in account that is now closed it says that account is closed and I can not talk to anyone. All of my interactions with Dave have been via email and I dont feel like they care that tracking has been done. They just say they dont have it and sorry its not the outcome I wanted. I have {$200.00} floating around that I cant get and Im beyond frustrated.
Consumer complaint received 2023-10-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (TX)

On XX/XX/XXXX after noticing that my payment amount doubled without notice I contacted MOHELA via their online messaging system. I asked them why my payment had jumped ; what income information were they using ; and had they accounted for my spouse 's loans and income. They did not reply until yesterday XX/XX/XXXX. Their reply is a canned response and makes no substantive answer to my question. It falsely states that I provided an IDR  application and that information was used in their determination. I do not recall, and can find no proof of, any such application. 

In addition, when I called their customer service line I was told by an agent that the only way to lower my payment was to submit a new IDR. I completed this application with him over the phone. I now believe that his claims were false. That I was not, in fact, required to submit a new IDR to return to the lower payments and that my SAVE plan payments should be calculated based on my last certified income. The IDR application which I was misled into making my increase my payments over what I should be required to pay.

MOHELA also has repeatedly sent documents to me via their messaging system weeks after the date on the document. For example, I received a letter confirming the new {$310.00} payment amount on XX/XX/XXXX, but the letter was dated XX/XX/XXXX.
Consumer complaint received 2023-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I have already sent a letter to XXXX, XXXX, and TransUnion Credit Bureaus on XX/XX/XXXX, requesting verification and deletion of fraudulent information found on my credit file. After reviewing an updated copy of my credit report, I noticed that most of the fraudulent items are still being reported. Despite waiting for a response from the credit bureaus, I have not received anything. The three Credit Bureaus have failed to comply with the Fair Credit Reporting Act, specifically 15 USC sections 1681i, within the legally mandated timeframe. Their continued reporting of unconfirmed information, despite my attempts to address the issue directly with the creditor, can be considered willful negligence and non-compliance with federal statutes. I kindly request the complete removal of the following items from my Credit Reports : XXXX XXXX, XXXX. XXXX Date opened XX/XX/XXXX Balance {$1100.00} XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$3000.00} XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$6300.00} XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$3000.00} XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$7900.00} XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXXXXXX Date opened XXXX XXXX, XXXX Balance {$11000.00} BUSINESS Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX Inquired on XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-17
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. (IL)

I'm sending this complaint to inform the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute the unauthorized account that reporting on my credit report. Since this is a strict violation of FCRA laws I need the account removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX Account Balance {$46000.00}.
Consumer complaint received 2023-10-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (AZ)

I set up auto payment months in advance. On my due date they sent a letter at XXXX  saying my auto payments were approved. In that letter it said they wouldn't auto debit until the next month, which could have caused me to miss a payment. Today, I got another letter saying I'm in administrative forbearance, which I didn't request. Now I have to watch and make another payment manually because it won't end until after my next payment is due. This is unacceptable. I'm on pslf and would never want missed payments or paused payments. This is shady at best. Literally on my first due date and again before my second due date. They're messing with my future.
Consumer complaint received 2023-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CT)

I am writing to file a formal dispute regarding the inaccurate information on my credit report, which I brought to the attention of Equifax on XX/XX/XXXX. Despite the considerable time that has passed, Equifax has failed to respond or rectify the following discrepancies. I kindly request your intervention in addressing this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax has inaccurately reported information for the XXXX XXXX XXXX XXXX. The original creditor for this account is XXXX XXXX XXXX XXXX not the company indicated by Equifax. The reported balance of {$3800.00} is higher than the amount I believe I owe. I dispute this account and request verification of the Date Opened and Date of First Delinquency. 

XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4000.00} Equifax has incorrectly reported data for the XXXX account. I am uncertain about the accuracy of the reported balance of {$4000.00}, as I do not recall owing such a high amount. The account is indicated as closed and charged-off, and therefore the Past Due amount should not be provided. I will address this matter directly with the creditor. In the meantime, I request Equifax to mark this account as disputed to prevent further negative impact on my credit score. Additionally, I request verification of the Date Opened, Date of Status, and First Reported for this account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} The XXXX XXXX XXXX account listed on my Equifax credit report has never been late. I kindly request Equifax to correct and update this inaccurate information accordingly. 

XXXX XXXX XXXX XXXX : XXXX Date Opened : XX/XX/XXXX High Credit : {$370.00} The XXXX account XXXX on my Equifax credit report has never been late. I kindly request Equifax to correct and update this inaccurate information accordingly. 

XXXX XXXX XXXX XXXX  : XXXX Date Opened : XX/XX/XXXX Balance : {$840.00} XXXX XXXX account listed on my Equifax credit report has never been late. I kindly request Equifax to correct and update this inaccurate information accordingly. 

XXXX Account Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$400.00} XXXX XXXX  account indicated on my Equifax credit report has never been late. I kindly request Equifax to correct and update this inaccurate information accordingly.
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX account # XXXX, has violated my rights.

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. 


In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

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 sates a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

I received an adverse notice from a creditor who is reporting that Experian provided them with a XXXX credit score. I check my Experian credit score daily and it is currently XXXX. The creditor further advised that they are unable to verify information the information contained on my report. None of which makes any sense to me. My credit score is between XXXX - XXXX with the other credit reporting agencies. Every month I have to report these agencies for FRAUD and incorrect entries that impact my quality of life. They refuse to remove the entries and lie and say theyve been verified when they are disputed. I know they arent disputed because the said account that Im constantly disputing HAS BEEN PAID OFF! As a result, I have suffered countless losses because of this issue and Im sick of writing to you about it. Now Im going to take legal action and sue Experian for personal loss/suffering, humiliation, and damages since they cant seem to amicably resolve this issue via the CFPB.
Consumer complaint received 2024-06-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: M&T BANK CORPORATION (MD)

Without any warning whatsoever, I received the attached letter from M & T BANK, closing a business partnership Account in which I am a signatory and also the record keeper for this checking account ( XXXX and XXXX, Acct ending XXXX ). This letter is not signed by any official ( merely " Business Banking '' ) and specifically states that " M & T Bank will not provide additional reasoning for closure of the referenced account and/or Services. 
Indeed when I inquired, I was told that privacy prevented any disclosure. HUH! Isn't this my account?? 
I am a practicing attorney ( for 48 years, and an impeccable record ) and have several personal, business and client accounts at M & T Bank. If they can do this legally and/or this is the Bank 's policy ( to close accounts without warning and without explanation ) then I will take my banking business elsewhere and advise clients to also use another banking institution. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX office phone