davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-06
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. (GA)

It baffles me that I am repeatedly battling the same problems with the credit bureaus in regards to them reporting fraudulent information on my credit files ... .I have a fraud alert on my credit files for a reason!!

The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together. 

XXXX  : XXXX XXXX XXXX ACCT # XXXX, I HAVE NEVER LIVED IN XXXX, GEORGIA!! 

INQUIRIES : XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX EXPERIAN : INQUIRIES ... ..XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2020-12-17
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

In XXXX, XXXX and XXXX of 2020, I filed a dispute with this credit bureau about the unverified account XXXX XXXX  Account number XXXX. In those 3 months I have asked numerous times for a response into their investigation and I have not received anything in response from this bureau in over 3 months.. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about this unverified account as of today. Thank you
Consumer complaint received 2020-06-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Holloway Credit Solutions (GA)

Holloway Credit Solutions has validated to validate any debt owed to me. I have sent company validation letters and no response from Holloway credit solutions. The debt was open in XX/XX/XXXX-XX/XX/XXXX. The amounts is {$1000.00} {$110.00} {$160.00}. The credit bureaus has stated they validated info but has not sent me any proof. 

Account number : XXXX XXXX XXXX
Consumer complaint received 2019-04-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (FL)

I am having problems ( like always I had ) with US Bank employees unprofessional behavior. 1 ) They continuously harass me with letters threatening with " counseling, short sale, remediation and foreclosing ", however I am on time with all my payments and never missed a mortgage payment. 2 ) I sent to them a letter with a {$15000.00} check that they were suppose to endorse and send it back to me. It was from the insurance company claim that I filled after the hurricane. The employees at US Bank hang up on me several times while talking on the phone and don't answer the questions I am asking them. They are holding into my check which won't be valid after XX/XX/2019. It is a check they have to endorse and mail it back to me as it is made out to myself and to USBank. 
3 ) The woman at the " loss department '' I spoke to ( four times ) recently was trying to force me to " open an account with USBank in order to process the check ''. It was a condition to have the check processed. 
4 ) When I asked to speak to a supervisor they transferred to a " supervisor " who informed me that " the loss department is a third party contracted by Usbank '' which isn't the truth.Other customer service person informed " there is no loss department at USBank ''. It seems like when a customer calls we are dealing a bunch of fools who only give wrong information and don't know what they are doing. 
5 ) This past month of XX/XX/2019 the mortgage department failed to communicate with me about the new amount of my mortgage plus escrow account in order to pay for homeowners insurance. When I called asking for the payment amount for XXXX ( I had bought another homeowners insurance much less expensive than the previous one and they never communicated with me about the new escrow amount like they were suppose to ), the woman in the mortgage department added more than {$400.00} ( besides my mortgage payment ) that and she said it was " suppose to be paid because the escrow account had a low balance '' ). When I confronted her about not sending any notice in advance for such a high amount, she got very angry and hung up the phone call. As a result of their lack of planning, lack of training and lack of professionalism, they continuously cause me unnecessary trouble. 
I am not obligated to open an account with this bank which is the worse I ever had to deal with, nor interested in having another account opened with this unprofessional bank. And can't wait to finishing paying my mortgage in order not to have to contact with them ever again.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5900.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-11-17
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. (AL)

In accordance with the Fair Credit Reporting act. The accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account Name : XXXX XXXX XXXX XXXX ) - Account Numbers : XXXX & XXXX have 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( a ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-04-17
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. (LA)

Account showed in collections that did not belong to me. Disputed and they closed it the next day and did nothing to fix the problem. I have sent letter to collections agency and Transunion. Letter below XX/XX/19 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, LA XXXX XXXX Transunion Dear Sir or Madam : I am writing to dispute a billing error in the amount of {$2900.00} in collection with XXXX XXXX XXXX XXXX XXXX on the above account. The amount is inaccurate because I have no knowledge of this account nor any association with XXXX university. I am requesting that the error be corrected and removed from my credit report. Please send me any paper work or any information about this account and how it was opened to the address above. 

I am about to enter a transaction that requires my credit to be correct for a large mortgage. If this incorrect information affects my transaction, I will be pursuing legal action for compensation as even a small % point could be tens of thousands of dollars across the life of a the loan. 

I am also reporting this to the FTC under the FCBA as it appears there was no attempt to verify any information when I disputed this info. The item was closed a day after I opened it with nor documentation provided. Please investigate this matter and correct the billing error as soon as possible.
Consumer complaint received 2022-10-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

How dare Bank of America send my {$69.00} payment back to XXXX XXXX XXXX overnight ( XX/XX/2022 ) and now jeopardizing my home warranty policy!!!!!!! When the bank ALLOWED a double XXXX transaction for {$210.00} to tie up my availability of funds because they didnt omit one of the erroneous holds!!!!!!!!!!! 
Thats some nerve and its transactions like this that makes financial institutions subject to CLASS ACTION suits!!!!!!!!
Consumer complaint received 2020-06-06
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. (GA)

This item with XXXX XXXX in the amount of {$4800.00} is reporting on my credit report. I sent validation to XXXX XXXX  no response. The company that used XXXX called XXXX. XXXX has closed down. I received documentation a a while back from company which states vehicle was in another person 's name. I threatened to take XXXX XXXX to court and they provided me with this documentation I have. The credit bureaus has stated it was verified. I did not receive any documentation from the credit bureau nor XXXX XXXX for this debt supposedly owed. I have attached a contract that is NOT in my name. XXXX XXXX is a fraud company.
Consumer complaint received 2020-06-06
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. (GA)

This item with XXXX XXXX in the amount of {$4800.00} is reporting on my credit report. I sent validation to XXXX financial no response. The company that used XXXX called XXXX. XXXX has closed down. I received documentation a a while back from company which states vehicle was in another person 's name. I threatened to take XXXX XXXX  to court and they provided me with this documentation I have. The credit bureaus has stated it was verified. I did not receive any documentation from the credit bureau nor XXXX XXXX for this debt supposedly owed. I have attached a contract that is NOT in my name. XXXX XXXX is a fraud company.
Consumer complaint received 2019-04-17
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Direct Cash LLC (MO)

Starting on Friday, XX/XX/2019, this company started contacting my references that happen to also be my family members about a debt I owe them. They have contacted them everyday for the past 3 days. This company has my address and phone number since I have a loan with them - there is no need to contact my references to find out where Im at. I have emailed them more than once to ask them to stop, but they have not.
Consumer complaint received 2023-01-04
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. (NY)

I have loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report. I have read enough to understand my rights. The Experian and XXXX Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}.
Consumer complaint received 2023-06-29
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Edge Home Finance Corporation (NV)

We are trying to sale our home after a split. One deal initially fell through because a loan company did not verify employment until 2 days prior to the closing. House went back on the market, XX/XX/XXXX. We had an offer presented by another buyer within a day. We received title documents on XX/XX/XXXX. The closing date summarily after this was moved FIVE times. A week ago, I checked the name of the loan officer for seller out of curiosity. The loan officer is a woman from my now ex-husbands past. The contract closing date passed XX/XX/23. I believe whole heartedly the reason the loan was in such jeopardy was the loan officer 's vindictive, calculating and unethical goal to destroy our opportunity to sale our home. At the point of the contract being presented to her, the loan office should have recused herself citing the fact that there was a conflict of interest with one of the sellers because of past relationship to his family and children. Instead she proceeded KNOWINGLY in a sham of a loan attempt. This has caused unimaginable financial harm, mental and emotional harm and unnecessary stress. I tried to call the owner of the mortgage company today, XX/XX/23 and the owner hung up in my face when trying to recount the circumstance. This loan officer should be sanctioned.
Consumer complaint received 2023-08-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (NC)

I had previously submitted a complaint with CFPB. This week Mohela told me to reach out to them via phone because my request was too complex to deal with via email. I called them and explained I am eligible for PSLF due to the 65904 Federal Register published in XX/XX/XXXX ( references : XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. ). This Register, as of XX/XX/XXXX, makes the 2 administrative forbearances XXXX had forced me to take eligible for qualifying payments, which makes me reach my 120 qualifying payments for forgiveness. 

This issue is this : Mohela ( XXXX, ID XXXX ) tells me that they have no knowledge of this Federal Register and they are unable to access information on it because their " government computers can only access two websites : Mohela 's website and FSA 's website. '' They said there is no one at Mohela who can help me with reference to this Register, which I noted to her is accessible on a government website, govinfo.gov. 

Mohela ( representative XXXX, ID XXXX ) also told me today that I have to wait until XXXX for FSA to review my second reconsideration request. She said they're done reviewing applications for the year and she doesn't know how the applications were selected. She explained, " Maybe it was based on their last names. '' Mohela tells me they can not help me. FSA tells me I have to wait for Mohela to help me. Payments are about to start and I'm trying to figure out if I should find child care and go back to work for 2 months, or if I'm going to be granted forgiveness, as I believe I should be. I should also mention I submitted a reconsideration waiver in XX/XX/XXXX under the waiver. Thank you for your help.
Consumer complaint received 2019-04-17
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AK)

Notice of fraud violation of the consent agreement compliance and XXXX signed by the XXXX attorney general  and all other states AGs using forgery assignment robo-signed by XXXX XXXX which was exposed publicly and specifically in my XXXX wrongful foreclosure case no. 
XXXX that was included in XXXX  and for which I was awarded {$500.00} for foreclosure violations specifically this forgery robo-signed assignment, and the robo-signed notice of default by XXXX XXXX, also publicly exposed and also included in the XXXX and consent agreement, by : Attorney XXXX XXXX of XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX and Attorney XXXX XXXX of XXXX XXXX XXXX of XXXX that physically and electronically submitted this fraudulent rob-signed forgery assignment accross state lines to the XXXX Supreme Court in their Appellee Brief to my case no. XXXX dated XX/XX/XXXX as the main item to support their authority to wrongfully foreclose for the 4th time since XXXX on my home of 17 years. 

And they also physically and electronically submitted this same forgery robo-signed false assignment across state lines to the XXXX Bankruptcy Court case no.XXXX on XX/XX/XXXX as their main support for their motion to lift stay so they can wrongfully foreclose for the 4th time on my home of 17 years.
Consumer complaint received 2019-04-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MA)

I have been misled and misinformed about the forbearance and deferment of my Navient student loans. My original principles on my loans have SKYROCKETED from $ XXXX to $ XXXX and from {$8600.00} to $ XXXX. 

That's approx. {$11000.00} that has accrued on top of my original principal. 

I have been unemployed on and off for the better part of 5 years. I have notified Navient several times and have even applied for loan discharge and wasn't properly notified about how to best go about this. 

This is highway robbery in an already convoluted industry that is stealing students ' money who can not afford to repay their loans in an affordable or otherwise pragmatic manner.
Consumer complaint received 2023-09-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (CA)

On or about XX/XX/2022, XXXX XXXX sent an email regarding my overdue payment. In the email, XXXX gave me until XX/XX/2022, to make payment or report to a collection agency. On XX/XX/2022, one day after the proposed deadline, without notification, Credit Collection Services reported to credit bureaus without giving me the opportunity to pay. On or about XX/XX/2022, I contacted Credit Collection Services and requested for a Pay-to-Delete. Credit Collection Services agreed to the Pay-to-Delete but declined to delete the account from my credit report after receiving payment. Credit Collection Services actions violates the Fair Credit Reporting Act in that 1. I had no knowledge of account.

2. They did not give me time ( 30 days minimum ) to at least make payment.

3. They did not notify me or give me time to dispute account.
Consumer complaint received 2019-04-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (FL)

I have a loan serviced by Specialized Loan servicing and have tried for 3 months to get a hardship modification. After providing exhaustive documentation supporting my curent financial difficulties and after spending countless hours providing documentation, they then told me they are not authorized to negotiate. I have another home that my ex wife lives in and that company provided a hardship modification without issue. I am extremely upset with the run around and need help and they have been giving me a run around. I then went through there 2nd party review and have been ignored
Consumer complaint received 2019-04-17
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. (CA)

one XXXX XXXX  account is reporting under my equifax credit reporting agency as fraud. this account i had never opened nor given authorization to have someone open this account, please have equifax to have this fraud account remove from their data base since they are not helpful at all. 
this is not mine and was opened with out my knowledge, XXXX XXXX  even has a different address on file and reporting inaccurately. i will be awaiting for your response thank you