davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-13
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: COLUMBIA BANKING SYSTEM, INC. (OR)

XX/XX/XXXX I reached out to my loan officer at Columbia Bank regarding payment deferral options. I did this because my partner and I 's business was shut down by a county and city order. Due to the initial uncertainity of the pamdemic I wanted to conserve money for operational costs that would be ongoing. The process was very simple, the loan officer emailed that I was qualified and sent a one page Change in Terms Agreement form ; attached. As a result the payment for XXXX, XXXX, XXXX, and XXXX were deferred and I resumed regular monthly principal and interest payments on XX/XX/XXXX. As I understood as stated in attached document. 

XX/XX/XXXX, by mail I received a paper statement, I immediately noticed my payments did not apply towards principal, only interest. Prior to the deferral agreement being executed, principal and interest were not in question. I reached out to the bank and was told that principal would not be applied until the accruing interest durning the deferment period was paid in full. I could not find nor was I informed of that wording in the new agreement. In order to get the monthly payments to be applied to principal, and interest, I immediately paid over {$2700.00} from my savings. This was my best option in order to stop the interest and get back on track. Now I needed to figure out how this happened. 

I have reread the Change In Terms Agreement as well as the subsequent explanation from the loan officer. I do not believe the document provided, nor the attached emails with the loan officer, to execute the loan, sufficiently explained the Change In Term Agreement. Nor to my understanding, resumed payments would not be applied towards principal and interest as they were prior to this agreement were properly conveyed to me by my loan officer. 

Had I been provided and properly explained all the information from the lender, to make an educated decision, I would have declined using the deferment as part of my strategy to get through the uncertain times of this pandemic. A consumer should be heard and appropriate considerations should be taken in to account by their lender. I have attached our correspondence and document regarding this matter.
Consumer complaint received 2021-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX  XXXX XXXX Balance Owed : {$570.00} Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report.
Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Federated Student Loan Services (TN)

I have contacted the company XXXX XXXX XXXX XXXX but they are closed. My loan was transferred to XXXX and my credit report shows the same amount for XXXX XXXX XXXX  and XXXX as if I own both loan services. I have also received a letter stating that my loan has been forgiven.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (NC)

I am in the process of purchasing a home. Nelnet is reporting several accounts to credit bureaus as open with balances and that is not true. Nelnet transferred my loans to XXXX in XXXX of XXXX. Thus my nelnet balances are XXXX and the accounts are closed but Nelnet is inaccurately reporting to the credit bureaus that I have open accounts with balances. I submitted a dispute with the credit bureaus and they determined I need to reach out to the provider. I submitted a dispute to Nelnet via certified mail with supporting documentation and they still have not corrected the errors.
Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, 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. (TX)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint with the CFPB regarding unauthorized inquiries on my credit report. These inquiries, which are reported on my credit report from [ name of credit bureau ], do not reflect any activity by me. 

The following inquiries have been reported on my credit report without my knowledge or consent : [ XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX, XX/XX/XXXX ] These inquiries have caused me financial harm, as they have negatively impacted my credit score, which affects my ability to obtain credit and other financial services.

I am asking the CFPB to investigate this matter and take appropriate action in accordance with the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. I request that the unauthorized inquiries be removed from my credit report immediately.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bonneville Billing and Collections (HI)

Date : XX/XX/year> To : Consumer Financial Protection Bureau ( CFPB ) Subject : Response to Bonneville Collection 's Claims Regarding Complaint Dear CFPB, I am writing in response to Bonneville Collection 's recent communication concerning my complaint about their unfair and illegal credit reporting practices.

Bonneville Collection claims that I submitted my initial dispute on or about the same day I filed my complaint with the CFPB and that prior to this, there was no record of me requesting validation of the debt. They also mention that this complaint represents their first record that my address differs from the address used at the time of placement. 

I would like to clarify and dispute these claims with the following facts : Multiple False Reports : On XX/XX/year>, and then again on XX/XX/year>, Bonneville Collection reported false information on my XXXX credit report. Initially, they reported that I owed {$110.00}. Subsequently, they changed the amount to {$110.00}. The statement they recently provided indicates a different amount of {$110.00}. This inconsistency clearly demonstrates a lack of accuracy and reliability in their reporting. 

Lack of Validation and Signature : I have repeatedly requested validation of the debt from Bonneville Collection, including a request for my signature to verify any obligation. They have failed to provide this validation. The absence of my signature further supports my position that I do not owe this debt.

Given these points, it is evident that Bonneville Collection has been inconsistent in their reporting and has failed to adhere to the requirements of the Fair Credit Reporting Act ( FCRA ). Their inability to provide proper validation and their contradictory reporting amounts have caused undue harm to my credit score and personal stress.

I respectfully request that the CFPB take appropriate action to address these violations and ensure that Bonneville Collection corrects their records. I also request the immediate removal of all erroneous entries related to this debt from my credit report. If this issue is not resolved promptly, I will be compelled to pursue legal action to protect my rights. 

Thank you for your attention to this matter.
Consumer complaint received 2023-12-06
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. (FL)

There are some accounts on my credit file that I dont recognize. I dont recognize how this account is reporting on my credit report. I dont recognize the account number, the account status, the account high balance nor to I recognize the late payments associated with these accounts. 
These accounts do not meet FCRA requirements. 

XXXX XXXX XXXX XXXX Account number XXXX Account type Credit card This account is reporting a 30 day late payment on XX/XX/XXXX but on XX/XX/XXXX it is being reported as current. This data is not accurate or reliable being that there is only 30 days in a month. 
Under 15 USC 1692g this does account does not meet FRCA and needs to be removed from my credit file. 

2.Account info Account name XXXX XXXX XXXX XXXXXXXX Account number XXXX Account type Credit card Responsibility Individual Under 15 USC 1692g this does account does not meet FRCA and needs to be removed from my credit file. The data does not show when the last payment was made, it shows that a {$5.00} payment was made XX/XX/XXXX I requested proof of this but it was never provided. A proper investigation was never conducted. 

XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX The data does not show when the last payment was made, I requested proof of this but it was never provided. A proper investigation was never conducted. 
Under 15 USC 1692g this does account does not meet FRCA and needs to be removed from my credit file. 

XXXX XXXX Account number XXXX Account type Credit Card Responsibility Individual Date opened XX/XX/XXXX The data does not show when any payment was made or the last payment and when this account became charge off, I requested proof of this as well as a 1099c form the creditor should have provided to me when the account status changed to Charged off but it was never provided. A proper investigation was never conducted. 
Under 15 USC 1692g this does account does not meet FRCA and needs to be removed from my credit file.
Consumer complaint received 2023-01-17
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. (NY)

I have not applied to the companies listed on this report. Please remove the inquiries for XXXX XXXX XX/XX/22 and XXXX XXXX XXXX XXXX XX/XX/22. I did not apply for these.
Consumer complaint received 2021-01-13
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

I contacted Equifax on XX/XX/XXXX via USPS certified mail to dispute a few inaccurate collections on my credit report. I received a copy of my credit report and found the following item ( s ) to be in error. 

XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$940.00} These are not my hospital bills. Please remove. 
I never received a response or investigation from Equifax into my dispute of these fraudulent medical bills on my report. I contacted Equifax a 2nd time on XX/XX/XXXX via certified mail and still have not heard from the company.
Consumer complaint received 2020-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (UT)

XXXX # XXXX is reporting an account to my credit with a balance that should not be on there. This has been paid off for some time and is still reporting a balance and I need this removed off of my credit.
Consumer complaint received 2023-12-06
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. (AZ)

I am writing to formally dispute the presence of a supposed bill on my credit report, which I neither bear responsibility for nor owe, as claimed by the debt collectors. These accounts were fraudulently opened without my consent, thereby violating 15 USC 1602l, as it was utilized without my explicit permission. I demand the immediate removal of this account from my credit report U S DEPT OF EDXXXX XXXX XXXX Creditor : XXXX  XXXX  ) XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3000.00} XXXX XXXX XXXX  ( Original Creditor : XXXX  ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance XXXX {$3000.00}
Consumer complaint received 2021-01-13
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CMG MORTGAGE, INC (NE)

CMG Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX Papillion, XXXX XXXX Every Customer, Every Time, No Exceptions, No Excuses. 

This is the email tagline for one of their Jr. Loan Officers XXXX XXXX . My wife and I are looking to build a new home and put our house on the market in early XXXX. Before listing, we received two offers and went with one that received a pre-approval from this institution. 

We signed our purchase agreement with the buyer on XX/XX/XXXX and XXXX XXXX had almost two months to ensure the buyer he Pre-Approved was ready to go. The HUD appraisal was done on XX/XX/XXXX and the termite inspection was done on XX/XX/XXXX. A day before closing ( XX/XX/XXXX ) the buyer and seller 's agents are notified that the buyer may not qualify. 

As a last resort, the buyer 's agent reached out to another lender that typically is a miracle worker for her. That lender said there was nothing she could do and, in her opinion, the buyer would never have received Pre-Approval at their institution. While I understand things come up in the process, it seems like XXXX XXXX did not do his due diligence and will not admit his error. 

My advice going forward for anyone looking to use CMG Financial that I know in Nebraska : If you are given approval by this lender, follow up and ensure they are actually doing their jobs. Babysit them during the process so unlike the Pre-Approved buyer we had, you are not giving up your home expecting to move and left homeless the day of closing. 

As for my wife and I, we put our home back on the market before our contingent sale deadline and loss of our deposit. We paid for rent and mortgage since we moved out of our house on XX/XX/XXXX. XXXX XXXX dodged the phone calls of our realtor after XX/XX/XXXX. I really feel bad for the buyer as he canceled his lease for the day before signing and anticipated moving into the house that next day.
Consumer complaint received 2020-03-10
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. (VA)

I checked my credit score and I saw a hard inquiry from XXXX XXXX. I have never had any interaction with this company. I want to ensure that my identity has not been compromised. A similar thing happened with XXXX XXXX XXXX. I attempted to open a business bank account and an account was already opened using my social security number with a different name.
Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint with the CFPB regarding unauthorized inquiries on my credit report. These inquiries, which are reported on my credit report from [ name of credit bureau ], do not reflect any activity by me. 

The following inquiries have been reported on my credit report without my knowledge or consent : [ XXXX, XX/XX/XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX " reported twice '' TD Auto Finance, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX ] These inquiries have caused me financial harm, as they have negatively impacted my XXXX XXXX, which affects my ability to obtain credit and other financial services. 

I am asking the CFPB to investigate this matter and take appropriate action in accordance with the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. I request that the unauthorized inquiries be removed from my credit report immediately.
Consumer complaint received 2021-01-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (IL)

Earlier this year I was making my mortgage payments weekly at $ XXXX totaling {$800.00} a month. My actual monthly payment was only {$700.00} a month. Rushmore refused to apply these payments when they reached {$700.00} and would hold my money in a suspended account, which I believe is in my original contract to hold my payments until the monthly amount is reached. Even though the amount in my suspense account would exceed {$700.00} prior to the grace period they would continue to hold this money until after the date so they could tack on late fees and other charges. When I would call them they would claim that it was a computer error and my account was current or the payment hadn't processed in time. They were sending me monthly notices claiming nonpayment as well and threatening me with foreclosure even though the statement would show that they had received my payment it just was not applied. I also had the bank statements verifying these payment as I paid them directly from my account. I reached the point I was having to threaten getting a lawyer, but they continued this leading to me becoming very irrate. 
I adjusted my payment strategy to only apply one payment directly from my account on the XXXX of each month in the amount of {$710.00}. The harassment stopped until this week. My payment rose from {$700.00} to {$760.00} starting XX/XX/XXXX due to escrow changes and I did not update my automatic payment in time so I sent another payment of {$60.00} on XX/XX/XXXX making my total payment for the month of XXXX {$770.00}. I initially ignored the calls assuming that the payment had not processed yet, however this is XX/XX/XXXX six day since the payment was sent and 2 days before my grace date of the XXXX and I received another call and was hung up on when I answered so I called back and the computer claims I have not made my payment for this month. 
I'm paying more than I owe there is no way I am not making my payments. The company thankfully hasn't tried to make false claims of late payments to the credit bureaus so it has not negatively affect that yet. It has however severely frayed my nerves to the point that I take it out their customer service reps. when I call.
Consumer complaint received 2023-01-17
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: Experian Information Solutions Inc. (NC)

I do not recognize this account. This is purely identity theft. This account damaging my good credit reputation! 

DELETE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

XXXX XXXX XXXX # XXXX 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 XXXXXXXX I will never stop filing complaints against you because I know my rights! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-01-17
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Lincoln Educational Services Corporation (MA)

I applied for a parent plus loan - I DID NOT apply for a student loan that is showing on my credit report. WE were not contacted for any such loan, sent any terms or payment statements. This was not authorized as such. School DID NOT contact us regarding any difference in original agreement.
Consumer complaint received 2020-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I have sent in a correct to my personal information on my credit report on XX/XX/2020 as follows : To Whom It May Concern : I am writing to update and correct my personal information on file with your company. 
Please update my address to : XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, FL XXXX Please update my name to : XXXX XXXX XXXX My only employer is : XXXX XXXX XXXX, XXXX I do not wish to have any telephone numbers on my report. 
Please remove all other addresses off my credit report as they are not accurate, and are not deliverable to me by the US Post Office, and thus they are not reportable as per the FCRA, since they are not accurate. 

Sincerely, XXXX XXXX XXXX XXXX of this was completed in 30 days as per regulations. I am looking into retaining an attorney to get this matter resolved in the courts if this information is not updated. I included a copy of my driver 's license in the letter. 

Respectfully, XXXX XXXX
Consumer complaint received 2020-03-10
Product: Credit reporting, credit repair services, 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. (GA)

On XX/XX/XXXX I made a Full File Disclosure Request Pursuant to 15 U.S. Code 1681g ( a ) ( 1 ) to Equifax in writing. 

I received no response. On XX/XX/XXXX I sent the request again. I included my Security PIN both times. XXXX XXXX, XXXX, XXXX, XXXX, and XXXX  responded. 

I still have not received a response from Equifax.
Consumer complaint received 2023-01-17
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: Experian Information Solutions Inc. (CT)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$440.00} XXXX  XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}