davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-27
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. (GA)

To whom this may concern ; My credit information may have fallen into the wrong hands due to the XXXX Data breach/ Upon reviewing my credit profile with the credit bureaus I have identified fraudulent inquiries on my credit report of which I will list in this correspondence. 


XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXXXXXX XXXX  Inquiry date : XXXX XXXX, XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX  Inquiry date XXXX XX/XX/XXXX XXXX XXXXXXXX Inquiry date : XXXX XXXX, XXXX
Consumer complaint received 2023-07-14
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. (OH)

I am requesting again in regard to the inaccurate and unknown things on my credit report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after I sent this letter. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items immediately. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-01-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (CA)

The XXXX XXXX that I had was conducted by XXXX in early XX/XX/XXXX/XX/XX/2017 when I was XXXX. All the bills were taken care by XXXX because I had my XXXX card and did update my XXXX card number to customer service of XXXX via phone during the first time I did check-up with them. When I received a letter that I have outstanding debt that would be going to collection soon, I did call Customer Service of XXXX and double checked. The customer service representative said she did not see any outstanding balance on my medical record, and comforted me that they may send me a wrong mail cause there is someone having the same name as me living in Florida right now that might be the one with outstanding debts. I stopped calling them thinking my debt should not be an issue anymore. I recently figured out that the debt is still there based on my credit report request.
Consumer complaint received 2019-01-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (TX)

I am XXXX. My student loan was forgiven in XX/XX/2015, Since that time and earlier, I lived on {$750.00} per month social security and SSI XXXX per month. Nelnet is trying to collect my forgiven loan by stating it was re-instated. My income did not increase more than {$5.00} over the years. Every since my loan was forgiven scammers have tried to collect it from me and of course their interest is astronomical. I went to Nelnet 's website to complalin and they require a social security number. I am not giving my social security number to anyone. My doctor has filled out additional paperwork to prove I am XXXX no less than 3 times. I refuse to ask him to do so again because it does no good. How can a loan be forgiven, then out of the blue be reinstated? It was forgiven! I am still XXXX. No cure has been found! I have XXXX XXXX. 
Here are their addresses : 1. U.S. Department of Education Nelnet XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NE XXXX XXXX 2. XXXX XXXX XXXX TX XXXX XXXX and XXXX XXXXXXXX Then, XXXX XXXX XXXX All of this in one letter to me. I feel I am being harrassed for the 20th time from someone trying to get money out of me. That loan shows paid on my credit report and I don't want these people changing that. All these years I have lived on the little cash I had except for my car loan and I don't want them messing up my credit. Please help me. I do not want to make my doctor fill out paper work for this forgiven loan for the 4th time. The student loan webiste says 3rd party collection is not them. I refuse to give someone I do not know my social security number. I have been hacked more times than I can count. Can you please resolve this. There is no good reason my forgiveness should be changed. If forgiven, isn't it forgiven? Thank you so much for your time. I feel those of us XXXX are constantly being harassed for student loan money. Seems too that our forgiven loans keep getting sold to different scammer pennys on the dollar. When I was forgiven, I believed that to be true. It was at one time.
Consumer complaint received 2019-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

XXXX  AND EQUIFAX ARE WRONGFULLY REPORTING BANKCRUPTY ON MY CREDIT REPORT. I first disputed this with XXXX  and EFX who stated that they " verified with the creditor -COURT- I contacted the court -clerk 's office and received in writing statement saying they do NOT communicate, report, confirm or verify any information with the bureaus so this validation by XXXX  AND EQUIFAX IS A LIE/ FRAUD 2 ) I then was told that they receive this public records information from company called XXXX XXXXwhom I  contacted they TOO stated in writing that they did NOT communicate with XXXX  or Equifax about my file , they also sent request but did NOT hear from them- see attached proof. so this validation by XXXX  AND EQUIFAX IS A LIE/ FRAUD 3 ) XXXX XXXX- mailed me deletion statement for this public record being deleted/null/non existent in my name and my ss # which I forwarded to the credit bureaus XXXX AND EQUIFAX. Who in turn AGAIN sent me statement saying they " verified with the furnisher the information reported being correct and accurate ... ''
Consumer complaint received 2024-05-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I am writing to file a formal complaint regarding the difficulties I have encountered in obtaining an accurate payoff balance for a mortgage account managed by Fifth Third Bank. Below are the details of my situation : Successor of Interest : I have been appointed as the successor of interest following the passing of the original borrower.

Issue with Payoff Balance : I have been attempting to secure the accurate payoff balance for this account. However, the balance has inexplicably increased by approximately {$5000.00} without any itemized explanation.

Investigation Efforts : I have reviewed county records which suggest that the additional fees charged are related to an order of sale. Despite this, I have been unable to obtain clear information or justification for these charges.

Lack of Communication : I have contacted Fifth Third Bank 's mortgage servicing department multiple times, but they have been unable to provide answers regarding the fee increases.

Attorney Unresponsiveness : I was advised to reach out to Fifth Third Banks attorney, XXXX, XXXX, and Associates, who has not responded to any of my electronic or verbal requests for information. 

Duration : This issue has been ongoing for over a year. 

Title Company Involvement : The title company I am working with has also faced difficulties in obtaining the correct payoff balance, as Fifth Third Bank has refused to respond to the title company request. I then have to call to follow up on why the are not releasing the information. 

Escalation Attempts : I sent a fax to the Office of the President of Fifth Third Bank and was assured the matter would be looked into. However, I have yet to receive a satisfactory resolution. Furthermore, Fifth Third Bank will not accept any payment exceeding the original payment amount, resulting in returned payments in the deceased borrowers name making it extremely difficult to payoff the debt prior to me deciding find a new service provider. 

As a result of these ongoing issues, I have been unable to close out the balance under the deceased borrowers name and switch the account to my preferred servicer. This situation has caused significant stress and inconvenience. These issues arose after the hardship application was submitted and approved. It was brought to my attention that the hardship approval was reversed because the agent who called to get a verbal acceptance did not properly record it in the system. This error resulted in the reversal of the approval, causing the loan to go into foreclosure status due to the employees mistake. 

I kindly request the CFPB 's intervention to ensure that Fifth Third Bank provides an accurate and itemized payoff balance and addresses the lack of communication from their attorney.
Consumer complaint received 2019-01-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/XXXX I received an email from chase bank in response for a new debit card. I called chase bank customer Sevice and advised them that I received such an email and chase bank ask me to go personally to the branch to report any fraud. On that same day I went to XXXX branch of chase and spoke to an employee named XXXX and he let me spoke to fraud Dept and just advise me to forward the email to XXXX and stated I dont have to do anything. 
On XX/XX/XXXX when I checked my balance my two accounts both checking and saving account was withdrawn in the amount of XXXX XXXX from checking and XXXX from savings Acct. I called chase bank as soon as I found out and filed a dispute about the incident. 
On XX/XX/XXXX I also went to XXXX chase branch to complain and informed them that there were two withdrawals and we found out that transactions were occurred at XXXX XXXX XXXX XXXX, XXXX, nj. On that day The funds were returned temporarily. 
On XX/XX/XXXX I received a letter from chase indicating that the funds thats were returned has been reversed and that chase bank claimed that the withdrawals were made with a chipped card and the return would not be honored. I called the claim dept about this matter but unfortunately they just told me that the card will be impossible to be tampered since its a chip to chip basis. 
On XX/XX/XXXX, I decided to go to the police station and report the incident because my Savings account turned all into negative. 
On XX/XX/XXXX, I recieved a final report from the assigned detective for my case and he exhibited a report based from the video surveillance as an evidence that it was not me who withdrawn the money. I sent The report to chase claim department on that same day but unfortunately the case was still denied and did not honor the report. At this time chase bank has been charging me of XXXX dollars fee for not maintaining the balance and on top of this my checking and savings account are currently negative. 
I am sending this letter to your office to let you know and asking for help since I am a victim of this criminal case and that chase bank has never honored all my evidence since I had received the email despite all the eveidence I had provided. I do believe that my case was not investigated in thouroughly and in a fair manner. Chase bank should have the reponsibility to protect Their consumers. I do believe this is negligence on the part of chase bank by giving my information to this thief without asking proper identification and without giving me proper notifications. 
I am asking for your assistance in this matter and I am hoping that I will have justice in this case. 
Thank you and have a blessed new year Sincerely yours XXXX XXXX
Consumer complaint received 2023-07-14
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. (MD)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-14
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. (MD)

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-11
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. (CA)

XXXX XXXX XXXXl account no. XXXX ..... 

is not mine do a complete re-investigation XXXX account no. XXXX .... is not mine XXXX account no. XXXX .... is not mine XXXX  account no. XXXX .... is not mine XXXX XXXX account no. XXXX .... is not mine does not belong to me
Consumer complaint received 2023-07-26
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: EQUIFAX, INC. (MD)

I am submitting this CFPB Complaint for the 4th time to follow up the addressing of the specific inquiries in my file that have resulted from identity theft. I would like to dispute these inquiries as they do not pertain to any transactions I have authorized or been involved in, regarding the acquiring of goods, services, or money. I kindly request the XXXX, Equifax, and XXXX Credit Bureaus will remove and block these specified remaining inquiries as a result of the alleged identity theft : XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX XX/XX/XXXX. Once more, I am not familiar with these fraudulent inquiries, and I also have reservations about the accuracy of the information provided in some of them. It should be noted that certain inquiries have already been deleted by other bureaus, raising concerns about their reported history in accordance with FCRA Section 605B. Thank you.
Consumer complaint received 2023-07-14
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. (TX)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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
Consumer complaint received 2019-01-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Senex Services Corp. (OH)

Senex has 4 or 5 claims on my credit report for services due, but has never sent any letters or returned any of my emails. It was resolved in my bankruptcy or has been paid off and they are still on my report. They purposefully block outside emails!
Consumer complaint received 2019-01-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF HAWAII CORPORATION (HI)

Today is XX/XX/XXXX. On XX/XX/XXXX I opened a checking account at Bank of Hawaii. On XX/XX/XXXX, I corrected the spelling of my name and gender to receive a new Debit card that was incorrect. On XX/XX/XXXX, I received a confirmation letter of address correction. 

My bank statements for social security deposit states, SSA TREAS XXXX. The ( XXXX ) area code XXXX XXXX California is not associated with my bank account and the posting of this credit to my account is fraudulent because the bank is in Hawaii and my deposits are not from California. 

Attached statements. 

My name is XXXX XXXX and this is my statement of intentional torts and organized crime associated with my income from USA Social Security.
Consumer complaint received 2023-03-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I sent a letter multiple times to TransUnion, XXXX, and XXXX. Here are my tracking numbers : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. However, it has been more than 30 days and I have not received a response regarding my investigation. The status date on my credit report has not changed, which means they are clearly not investigating the accounts. 

I discovered multiple billing errors under 15 U.S Code 1666 ( b ) billing error, including the creditor 's failure to properly reflect a payment made by me and a computation error on a statement.

Despite my initial request, I have not received any hard proof from the creditor 's bank account that proves I did not pay and was marked late. Therefore, I am still adamant that these errors were purely billing errors, and I urge you to rectify them promptly.

Furthermore, I request that the following items be updated on my consumer report, as agreed As a consumer, I have the right to have these accounts updated immediately, in compliance with the law. Failure to do so may result in me seeking monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability.
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: PENNYMAC LOAN SERVICES, LLC. (GA)

My mortgage company keeps reporting me late at the beginning of every next month while I'm in a forbearance plan. The hurt I suffer from watching my personal credit take such a huge hit in having a negative score is very depressing to me and our family. I literally have high BP from all this stress they'd cost me and my family. We'd been fighting this issue for 7 months straight. PennyMac is my mortgage company. We could really use some help on our end here. We have a house full of XXXX children and can't live in peace knowing I cant qualify or a refinance because my credit score keeps showing a late status. The crazy thing is it's always showing me late at the beginning of every month. 
I don't even think that's legal. I always thought you had to wait until the month-end for the thirty days late in order for a company to mark you late? But please someone help me get this issue rectified. XX/XX/2020 late marked by the mortgage company I've tried everything from call to sending letters for about the previous months being late.