davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Oklahoma Student Loan Authority (NY)

I received federal debt discharge ( XX/XX/2021 ) XXXX XXXX XXXX XXXX XXXX XXXX as of XX/XX/2021 ; OSLA account shows XXXX balance ; Has been reported as delinquent to all 3 credit bureaus ; Credit is now ruined and my accounts are being closed from other credit granters. 
Please help!
Consumer complaint received 2022-12-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (FL)

I have insurance with XXXX and i decided to end my policy due because was to high i notify XXXX  and let them know i do not want to continue with my insurance so i was suggest to wait until the next month to paid for that and then terminate my policy but after do that next month was charge it again and i call to inform that i contact before with XXXX  regarding my intention but they continue saying i should paid for the next month anyway.
Consumer complaint received 2022-04-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (IL)

I obtained a mortgage through XXXX XXXX XXXX  which is serviced by XXXX Mortgage, in XX/XX/2021. I made the first payment on XX/XX/2021 using my bill pay at my credit union XXXX XXXX XXXX XXXX XXXX ) for {$1200.00}. This payment was accepted by XXXX. Unbeknownst to me, the mortgage had been sold to Mr. Cooper. This first payment was forwarded by XXXX to Mr. Cooper- however, the payment was forwarded to the wrong department for Mr. Cooper who allegedly sent the payment back to XXXX. XXXX now claims that they never received the return payment. The result of this is that my mortgage is showing that I am XXXX month behind and have incurred multiple late fees. 

I have successfully made every payment, on time, to Mr. Cooper since this first payment. I have had numerous conference calls with both parties ( Mr. Cooper, XXXX, and XXXX XXXX XXXX XXXX ). Neither XXXX nor Mr. Cooper can find where the payment went but I, and my bank, have records clearly showing the payment leaving my account and never returning. XXXX XXXX XXXX XXXX can not cancel the payment given it has been cashed, presumably by XXXX and/or Mr. Cooper.
Consumer complaint received 2019-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

The XXXX XXXX XXXX ( XXXX  visa/ XXXX XXXX is reporting that it is a bad debt these accounts has been paid in full I would like for them to be deleted immediately.
Consumer complaint received 2015-07-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (VA)

I was in a pre-modifcation program where you make a certain number of payments and then are eligible for a permanent modification. I made all of my payments but I was receiving letters from the mortgage servicer that I was in default because I missed a payment. I sent a fax of the payment confirmation of the payment they said I missed and called to follow-up. I was told that they could not locate my payment and that my account was in active foreclosure. I called the next day and spoke to a young lady who located the disputed payment, acknowledged that the company received the funds and was helpful in contacting a supervisor and getting the issue straightened out, or so I thought. Since then I made my final payment of the series and have since received a letter notifying me that my account has been referred to an attorney, received letters from the attorney that due to failure to make payments that my loan is in default and foreclosure proceedings were being initiated. I have made all my payments, I can verify that the payments were made and applied to my account and yet they are proceeding with foreclosure.
Consumer complaint received 2022-05-22
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: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX XXXX ; XXXX XXXX, Account # : XXXX ; XXXX  XXXX Account # : XXXX ; 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 : It also states a consumer reporting agency can not furnish A account without my written instructions.
Consumer complaint received 2022-05-22
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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.
Consumer complaint received 2019-11-22
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. (GA)

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 

XXXX, XXXX  and Equifax did not block the data on the credit file. 
XXXX, XXXX and Equifax has made no attempt to properly follow section 605B of the FCRA. 


XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX
Consumer complaint received 2022-05-22
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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.
Consumer complaint received 2022-05-22
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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.
Consumer complaint received 2022-05-22
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX 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.
Consumer complaint received 2022-05-22
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. (TX)

In accordance with the Fair Credit Reporting act XXXX 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.
Consumer complaint received 2022-05-22
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: Experian Information Solutions Inc. (TX)

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

XXXX5 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.
Consumer complaint received 2024-02-16
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)

I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is XXXX ; as each consumer dispute must be addressed individually and dealt with by its particular merits. My letters have been written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. It is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I must contact my attorney and pursue legal action. 

Heres the list of the questionable items : XXXX XXXX XXXX Account Number:XXXX Please investigate the history reported on this account It is inaccurate this company does not have any information to verify as they have reported over and over in the history that they have " No Data ( ND ) ''. As this is unverifiable, FCRA Sect. 611 REQUIRES you to delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take care of this immediately XXXX XXXX XXXX - Account XXXX Please ensure that all information is accurate XXXX XXXXXXXX - XXXX - Account Number:XXXX XXXX XXXX XXXX - Account XXXX I don't recall having late payment on this account XXXX XXXX XXXX - Account XXXX Please ensure that all information is accurate XXXX XXXX XXXX - Account XXXX My parent has the same name as me. 

XXXXXXXX XXXX XXXXXXXX XXXX - Account XXXX i don't recall having late payment on this account XXXX XXXX XXXX - Account XXXX This is not mine. 
XXXX XXXX XXXXXXXX - Account XXXX Please remove it from my credit report. 

XXXX XXXX XXXX - Account XXXX Please investigate the history reported on this account It is absolutely inaccurate that this company does not have any information to verify as they have reported over and over in the history that they have " No Data ( ND ) ''. As this is unverifiable, FCRA Sect. 611 REQUIRES you to delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take care of this immediately XXXX - Account XXXXXXXX XXXX XXXX XXXX - Account XXXXXXXX XXXX XXXX XXXX - Account XXXX Please remove it from my public record XXXX XXXX  Account XXXX Please remove it from my credit report.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

There may be other individuals with a name the same as or similar to mine. Creditors may have entered my name incorrectly when requesting my credit report. Regardless, there are forms of my name and addresses that should not appear in my credit file.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind.
Consumer complaint received 2022-12-17
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. (NC)

The inquiries listed in my report were unauthorized .I requested that they investigate these and analyze my files by sending letters to all three credit bureaus. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below : XXXX XXXX XX/XX/XXXXXXXX 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 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 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 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 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 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 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 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 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 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  XX/XX/XXXX.
Consumer complaint received 2023-10-01
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. (NC)

I have sent letters out via first class mail.. According to the FCRA, These Companies have failed to acknowledge my letters in which I have pointed out violations and innacuracies that MUST be deleted due to my federal rights under the FCRA. I have also verified my identity, proof of address and attatched a current utility bill to ALL letters. If these violated accounts are not removed according to the violation code included in each dispute letter, the bureau MUST provide physical evidence as to who, what, when, where and why they are Verified as CORRECT. 
according to 15 US code 1681b- permissible purposes of consumer reports, states that ONLY IN WHICH I GIVE WRITTEN PERMISSION/INSTRUCTION TO REPORT AN ACCOUNT ON MY CREDIT PROFILE, AND ONLY IF I PERMIT, THAT THESE ACCOUNTS WOULD FOLLOW FEDERAL GUIDLINES UNDER THE FCRA. These Companies have failed to comply to my request and if they do not respond in reasonable timing to my request, this WILL turn into a federal complaint, lawsuit.
Consumer complaint received 2022-05-22
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX. SYSTEM, 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.
Consumer complaint received 2022-05-22
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. (TX)

In accordance with the Fair Credit Reporting act XXXX. SYSTEM, 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.
Consumer complaint received 2022-05-22
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. (CA)

XXXX, TRANSUNION AND XXXX HAS ACCOUNTS ON MY CREDIT REPORTS. THAT ARE NOT MINE AND THEY REFUSE TO DELETE. 

XXXX XXXX XXXX XXXX This is not my account. Please delete.
Consumer complaint received 2024-02-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (VA)

I requested a refund of my student loan payments made during the COVID forbearance to Mohela on XX/XX/year> at XXXX. I was issued a partial refund of my payments. However, I never received the amount of the payments I made to XXXX which was my previous servicer before my loan was transferred to Mohela. 

In the meantime, my loan balance has been restored but I have not received the remaining refund. I made multiple attempts in writing to Mohela seeking a status update and I received a form email response which was nonresponsive.
Consumer complaint received 2022-05-22
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Midwest Fidelity Services, LLC (SC)

I received a phone call on XX/XX/2022 at XXXX am EST by this third party debt collection company. The representative I spoke to ( XXXX XXXX stated that the company was a third party agency and the purpose of the phone call was to collect a debt. She stated the debt was owed to a loan company. The alleged amount owed was {$2100.00}. I asked her to give me the name of the loan company and the alleged account number. I also asked her when this loan company originally contacted them to collect this alleged debt. The representative stated the debt was passed off to them on XX/XX/2022. 

I then received a letter/statement from this third party debt collection company stating the alleged amount owed, which was {$2100.00} to the loan company. The letter/statement also advised that I should respond to them no later than XX/XX/2022. 

I sent a letter of debt validation via certified letter on XX/XX/2022 to the debt collection company. I gave 30 days notice for the company to respond and provide me with the information that I requested ( validation of the debts they say I owe, a true bill and not a statement, and a completed government employee questionnaire ). 

I then received another letter from the debt collection company dated XX/XX/2022, which stated that they had received my letter for " debt verification '' and that I should be advised that they had been in contact with their client, the loan company, and that the loan company provided them with my alleged information and the alleged amount owed. They did NOT provide me with a TRUE BILL or VALIDATION of this alleged debt. Again, they stated this was " debt verification. '' The debt collection company has failed to provide me with validated debt that they claim I owe them. The company continues to provide inaccuracies, unverified, and invalidated debt to credit reporting.
Consumer complaint received 2022-05-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (CA)

We entered into a Cares Act mortgage forbearance in XXXX with Flagstar Bank. Our forbearance time was up in XX/XX/XXXX. I contacted XXXX in XX/XX/XXXX and let them know we couldnt make the current mortgage payments and wanted them to reduce our payments as per the Cares Act. They didnt respond to me until XXXX of XXXX. I called multiple times between XX/XX/XXXX and XX/XX/XXXX to check in because I was told it would only be 30 days to get a response. Each time I was given a different answer. When I received paperwork from them in XX/XX/XXXX the interest rate on our loan was not changed and our mortgage payment actually went up. According to them since there was an escrow analysis the payment was actually XXXX dollars lower. They told me that their investors would only allow this payment amount and no change to our interest rate. I told them I didnt want this new option and wanted to just do the partial claim instead. They sent me the contract for the partial claim in XX/XX/XXXX. My husband and I signed it and sent it back to them in XX/XX/XXXX. I called Flagstar Bank in XX/XX/XXXX to see if they received the contract because we were still getting collection calls from them and nothing updated on our online account. I was told they did receive the contract and processed and recorded it. I was also told that once I made the XX/XX/XXXX payment on the first our mortgage would reset to the new terms and we would see the new information on our online account and our next statement. The online system would not let me pay so I called Flagstar Bank on Monday XX/XX/XXXX and made my payment with a staff member over the phone. Today XX/XX/XXXX I received my statement. Nothing has changed. Nothing online has changed. We are showing as delinquent with XXXX XXXX dollars due immediately. Today is a Saturday and I cant call them because they are closed. Weve done everything required of us under the Cares act and Flagstar Bank has not followed the law.