davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I am writing in reference to the 30 day late payment marks of XX/XX/XXXX - that XXXX XXXX XXXX supplied to the XXXX national credit bureaus XXXX, Equifax and XXXX ( I have circled the items in dispute, on the attached copy of my credit reports. ) On XX/XX/XXXX - I mailed a payment check to XXXX XXXX XXXX dated : XX/XX/XXXX for the amount of {$660.00} which was to cover the XXXX payment in question. - I explicitly requested the post office to post-mark the envelope which they did was clearly marked as XXXX XX/XX/XXXX ( See copy of Check and Postal Receipt attached. ) On XX/XX/XXXX I noticed the late payment marks on my credit bureau reports, - I immediately contacted XXXX XXXX XXXX  via phone but to no avail. 

Finally on XX/XX/XXXX XXXX XXXX XXXX acknowledged receipt of payment but they only posted it as a payment received on that date. 

On XX/XX/XXXX I sent a letter with certified mail to XXXX XXXX XXXX requesting them to correct the erroneous reporting. ( See attached my letter to XXXX XXXX XXXX  ) On XX/XX/XXXX XXXX XXXX XXXX sent me back a canned letter declining to make any changes. ( See attached the letter from XXXX XXXX XXXX ) On XX/XX/XXXX I disputed this late payment mark with XXXX but they seemingly only forwarded my dispute to XXXX XXXX XXXX. 

On XX/XX/XXXX I got a response from XXXX that XXXX XXXX XXXX once again refused to update my report. ( See attached dispute response from XXXX ) Attachment Summary : 1 ) Copy of my 3 bureaus credit reports circled the erroneous reporting XXXX  ) Copy of dated check sent for payment XXXX ) Copy of Postal Receipt XXXX ) Copy of my letter to TD Auto Finance XXXX ) Copy of the response letter from XXXX XXXX XXXX XXXX ) Copy of response letter from XXXX
Consumer complaint received 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

XXXX is reporting an address in which I have never used? 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX XXXX is Reporting a inaccurate name : XXXX I XXXX Equifax is Reporting a inaccurate name : XXXX I XXXX
Consumer complaint received 2022-02-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (NY)

My loan servicer, MOHELA, offers a Teacher Loan Forgiveness program for teachers who have accumulated at least 5 years of teaching experience at qualifying Title I schools. 

When I learned about this opportunity, I discovered that the schools I've taught at for the last 8 years are all listed as a qualifying school under their " Annual Directory of Designated Low-Income Schools for Teacher Cancellation Benefits '', and as a XXXX XXXX XXXX I am eligible for {$5000.00} forgiveness. I sent my application to my XXXX XXXX to have their CAOs XXXX XXXX  XXXX, then submitted my completed application to MOHELA through their online platform on XX/XX/2022. 

On XX/XX/2022 I logged into my MOHELA account to check on the status of my application and saw that it was denied. There were no details provided indicating why the application was denied or if there would be further communication about it. I called their customer service line to determine why my application was rejected in order to reapply after making corrections. The representative I spoke with told me that the note left on my denial was not clear, and that she could not determine their reasoning from the information provided. She went through my application line by line, but was unable ascertain why it was denied. After putting me on hold to look into it further, her best guess was that my current school 's name was listed incorrectly, but she could still not be sure that was the issue. 

I reached back out to the head of HR at my current school, who informed me that the name and address they listed was the one used for all teacher loan forgiveness applications, and that they'd never experienced this issue with an application before. At this point I'm unsure of how to proceed to utilize this forgiveness program that I appear to meet all qualifications for.
Consumer complaint received 2018-05-30
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. (AZ)

on XX/XX/XXXX a Hard Credit Inquiry was placed on my Account without my Knowledge. No creditor information was provided for me to contact the agency.

I believe my Identity has been stolen as this is the 4th invalid/ false inquiry placed in my name in the past 4 weeks.

This Inquiry came from : XXXX/XXXX and it says its a Bank card.

I did not apply for any bank cards and I do not know what or where this bank is. 

This was done without my Authorization and no signature or identity proof. This needs to be removed from my Account Immediately.
Consumer complaint received 2022-02-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (IL)

After being told by XXXX 's loan mitigation rep named XXXX on XXXX, that I would be allowed to make XX/XX/XXXX and XX/XX/XXXX repayment payments by the end of XX/XX/XXXX, I was once again deceived by XXXX. When I called and stated I wanted to make the payments, I was told that all of the money is now due and payment could not be accepted for anything less than that. 

**CFPB, I need you to do something about XXXX XXXX numerous deliberate and willful deceptions made to speed the foreclosure process on my home. Just accepting their letters of even more lies and omissions should be a crime and shame on you for continuing to allow this. I am going to call my US Representative and both of my US Senators and complain that you are doing nothing more than collecting data and this is another federal taxpayer paid bureaucracy we American citizens can very easily live without!!!. You were not created to protect crooked mortgage Servicers** First XXXX told me that they would not honor my previous Servicer 's repayment plan made with me after my COVID19 Forbearance had expired with even another previous Servicer. This caused me to miss the XX/XX/XXXX repayment, which is the outcome they wanted. 

Then they sent me an application for a modification that I received a week after the date it was due to be returned. 

Then they sent me a package to sign and return to them by XXXX noting that I accept a repayment plan with them. I faxed it back to them on XXXX. 

When I called them to make sure it was received they did state that I could pay XXXX payment by XXXX and XXXX by XXXX. And he also stated that XXXX 's payment would need to be paid by XXXX. I was to call back with my checking account info or the rep would call me the following day. 

When I got home and checked my check register, I seen that I had already made another payment for that date with another creditor. So I called XXXX back and requested an additional XXXX weeks but that I could still have all repayments current by XXXX. XXXX 's manager stated that both XXXX and XXXX 's payments would need to be made by the end of XXXX. Even that was another lie told by XXXX. 

ALL REPAYMENTS WOULD HAVE BEEN MADE ON TIME IF XXXX HAD NOT LIED AND SAID THE PREVIOUS SERVICER 'S REPAYMNET PLAN WOULD NOT BE ACCEPTED BY THEM. I could have continued on as I was doing, just as the XX/XX/XXXX had been made directly to XXXX via USPS certified mail. 

XXXX instead terminated the repayment plan only a few days after they had even acknowledged it and then sent me a letter dated XXXX stating that. 

Then on XXXX, they filed a lawsuit to foreclose on my home. 

All of their actions appear to have been preplanned and deliberate.
Consumer complaint received 2022-02-05
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: CITIBANK, N.A. (VA)

The XXXX account was open 2011 thaw is not my account I did not open this account with this company. I've as for the credit application numerous of times and the company still hasn't provide the information. I've sent dispute over with my driver license and other documents the company has ask for. I've sent over all the information the company requested from me to provide my identity. I can't provided any contract but the company has provided me with such documents.
Consumer complaint received 2022-02-07
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. (PA)

I have a lot of unauthorized inquiries on my credit reports. I have been constantly asking for them to be removed from my report and they are still on there. 

Inquiries on my XXXX Report : XXXX XXXX XXXX  ( XX/XX/2021 ) XXXX  XXXX XXXX ( XX/XX/2021 ) XXXX XXXX ( XX/XX/2021 ) XXXX XXXX ( XX/XX/2021 ) XXXX XXXX XXXX XXXX XX/XX/2021 ) XXXX XXXX XXXX XXXX  ( XX/XX/2021 ) XXXX XXXX XXXX XX/XX/2021 ) XXXX XXXX XXXX ( XX/XX/2021 ) XXXX XXXX XXXX ( XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries on My Equifax Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-05
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Onity Group Inc. (TX)

Around XX/XX/XXXX my wife and I assumed aassumed an FHA loan through XXXX XXXX. Our loan was taken over by another company after about 6 months or so. The latter company was PHH Mortgage Services. PHH Mortgages Services handled all of our escrow affairs for about XXXX XXXX years. Somewhere in the process it seems that the escrow account was mishandled, in which has led to a significant deficit in our escrow account. XXXX sent out a check to us prior to this deficit stating that we didn't need that much in the account per my conversation over the phone with one of their reps around XX/XX/XXXX. I asked the represetative sveral times if whether or not they were sure in which I recieved an affirmative reply. Upon year end ( XXXX ), property taxes were paid out of the escrow and the account went into a negative ( about {$2500.00} ). Not long after this they sold the loan to XXXX Mortgage. In the process of selling the loan XXXX allowed our home insurance to lapse, adding insult to injury. This led to XXXX XXXX picking up an insurance policy unbeknownst and unapproved by us. This push us even further into a deeper deficit. Inevitably, property taxes comes around to the current year and we are now face with a substantial negative balance in escrow. For the month of XX/XX/XXXX our mortgage payment doubled ( around {$3600.00} ). As we were unprepared for this new amount, we faced a delinquent account. We are now struggling to make these new payment and are on the verge of going into default. If there is something that can be done please assist. Thank you.
Consumer complaint received 2022-02-05
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: Possible Financial Inc (CA)

I have XXXX accounts on my credit report that are fraudulent and those accounts are possible financial and XXXX XXXX Back in XXXX and XXXX I got my social security card stolen along with my ID and all my cards. I have been trying to dispute these accounts for months now. I reached out to possible financial explaining the situation and that I never had an account with them and in an email the representative XXXX on XX/XX/XXXX stated that my email address does not match to any account on their records and I informed them that I know but an account is being reported on my credit report and its damaging my credit worthiness and stopping me from buying a house. I also contact XXXX XXXX on XX/XX/XXXX and I spoke with a XXXX and a XXXX and both of them said the only account they found under my name is a corporate account from my current job and position as a branch XXXX at XXXX XXXX XXXX XXXX and nothing else and when I explain that a credit card that is reporting on my credit report as charged off and is not mine when they looked it up they said it was attached to a XXXX and I dont know who that is. Ive been trying to dispute this with XXXX and XXXX and they keep updating the information allowing the fraud to stay on my credit report. I have provided numerous of police reports and supporting evidence that these account are not mines but they keep allowing them to stay. I filed a report with the Federal Trade Commission and attached it to the dispute, I even filled out possible financials affidavit and attached to the dispute for documentation and yet they still keep updating the information. My credit means a lot to me and having these fraudulent accounts on my credit report bringing my XXXX XXXX down and tarnishing my name and creditworthiness and stopping me from being able to build my future and life is devastating. I have disputed these accounts so many times on numerous occasions providing strong documentation showing these accounts dont belong to me and yet they still are allowing them to stay on my credit report and XXXX still being punished with these fraud accounts that do not belong to me and I need them gone off my credit report immediately.
Consumer complaint received 2022-02-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (NY)

ON XX/XX/XXXX, A DOMESTIC WIRE TRANSFER OF {$12000.00} WAS MADE TO MY CHASE CHECK ACCOUNT. CHASE SENT ME A NOTICE CALLED " ADVICE OF CREDIT '' STATING THAT THE MONEY WAS CREDITED TO MY ACCOUNT. THE MONEY WAS NEVER PLACED INTO MY ACCOUNT. I MADE A COMPLAINT WITH CPFB BECAUSE CHASE WAS NOT TELLING WHAT WAS DONE WITH MY MONEY. 
I ASKED CHASE TO TRACE THE WIRE USING THE IMAD AND OMAD NUMBER. I CONTACTED THE FEDERAL RESERVE AND I WAS TOLD THAT CHASE COULD DO THIS BUT I COULD NOT AS THE CONSUMER. 
CHASE RESPONDED TO MY COMPLAINT AND SO MANY INQUIRIES BY LETTER DATED XX/XX/XXXX THAT THEY COULD NOT FIND THE WIRE. CHASE NEEDS TO CONTACT THE FEDERAL RESERVE AND TRACE THE WIRE.

I HAVE ATTACHED MY WRITTEN COMMUNICATIONS WITH CHASE, INCLUDING TWO EMAILS WHICH WERE JUST IGNORED.
Consumer complaint received 2018-05-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (SC)

The compagny is discriminating against me by refusing to discuss my loan.with me they discriminate by taking my name of the note and the mortgage i m on the deed i het letters from their lawyer biut yet they wont discuss my loan with me i want my name on my mortgage please i m the owner and i need to ne able to kniw the status of my house.
Consumer complaint received 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Park Hill Holdings (IL)

SAFERENT Solutions broke the law and violated my federally protected rights. SAFERENT reported a false eviction on my consumer report since 2018, literally stopping me from extending credit, receiving shelter and ultimately leading to me being XXXX After finally tracking down SAFERENT and disputing this information they never marked this item as disputed on any of my consumer reports, a violation of the Fair Credit Reporting Act. They also came back not one, not twice, but three times and said this information was validated without giving me the process as to how they validated this information. I personally, XX/XX/XXXX, went to the courthouse and spoke to several clerks who were unable to locate this alleged public record in their database. I looked up the alleged docket number, my last name and first name, and the alleged plaintiff and neither the clerks nor myself were able to find the record SAFERENT continued to validate as correct. I even pulled my consumer report from over five other credit reporting agencies and none of these contained any public record of an alleged eviction. I again reached out to SAFERENT and threatened to take this manner to court for aggravated harassment and identity theft. They responded three weeks later stating that this item was deleted. No explanation why, no validation process just deleted. They have ruined my life in the last four years and the things I've had to endure just because of this horrible reporting by a credit reporting agency has to be brought to the light. PLEASE GIVE THIS THE ATTENTION IT DESERVES so more consumers lives aren't purposely ruined by this credit reporting agency.
Consumer complaint received 2022-02-04
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. (LA)

I recently checked a copy of my credit file and unfortunately found that some of my personal information was incorrect. Please delete the inaccurate information from my credit file within the next 5 days. I will be thankful. I know that you have up to five days to meet my requirements. If I do not receive any updates from you during this period, I know that these inaccuracies should be automatically removed. I have attached the document about my personal information that you incorrectly reported and should be deleted immediately.
Consumer complaint received 2022-01-05
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. (VA)

On XXXX, XXXX alerted Hard Inquiries on credit. XXXX, I called companies with inquires. Found an unknown suspect used my name, SSN and addresses to make injuries to obtain goods-services, left suspect info not my own : XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX. Additional fraud soft inquires via XXXX ( XXXX XXXX, On the XXXX XXXX ). XXXX suspect ( XXXX ) made additional fraudulent hard and soft inquires with credit bureaus : Trans Union XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  ) ; XXXX ( XXXX XXXX, XXXX XXXX ). Additional suspect information was supplied by the businesses that the suspect used email XXXX and phone XXXX. 
XX/XX/2021, I made a police report with the XXXX VA Police, report number XXXX. 
XX/XX/2021, I updated an FTC Report XXXX : XXXX In contacting all XXXX credit bureaus they wanted me to do the investing and have the companies that requested the credit retract the inquires. 
Some have corrected the hard inquires but, XX/XX/2021 XXXX I called Transunion and per first name - XXXX XXXX XXXX ID XXXX, file # XXXX to reference this call. Transunion will not remove soft inquiries from my report even though I told him it was fraud and have made reports with PD and FTC. Will have a supervisor call me back within XXXX days, but they can not remove them. No one called and no one corrected my credit report. I continue to get emails from the credit company saying my XXXX XXXX could be better if I paid money to them.
Consumer complaint received 2022-02-03
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. (WA)

Equifax is driving me INSANE! Please help and do not close this complaint! XXXX XXXX, XXXX Assistant at XXXX ; XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX, XXXX, XXXX have all been made aware of this and are COMPLICIT in this. Laughing and mocking me! They have SENSITIVE information currently stored in their email address inboxes including copies of my : Passport, Drivers License, Social Security Card, etc that i'm asking to be deleted and remediated. XXXX blatantly lied to me and told me that " they couldn't find the XXXX XXXX XXXX accounts '' and REMOVED the WRONG ONE that was on my credit account since XXXX! It's insanity! Now XXXX XXXX is calling me threatening to XXXX XXXX! This was supposed to be taken care of in XX/XX/XXXX and WAS PROMISED BY EQUIFAX to be taken off within XXXX hours! They lied! I mailed in my copies, faxed it XXXX times, and each time there is a new issue! XXXX XXXX said they didn't receive info from Equifax yet that it was fraud/ identity theft! A male supervisor at ( XXXX ) XXXX was very kind and helpful last Thursday and told me that the account numbers for the XXXX XXXX XXXX accounts closed on XXXX XXXX, XXXX had been changed and that may be why Equifax can not locate them. Nonetheless, he told me to file an FTC fraud/ identity theft report and then fax it into Equifax and he will take it off IMMEDIATELY! These people have done NOTHING! It takes a maximum XXXX business days to process their faxes and I sent it last Thursday so it's been XXXX business days! Plus they received the previous information XXXX XXXX since XX/XX/XXXX! Yet fail to take any action! XXXX attaching legible copies of my SSN, Passport, Police Reports, FTC report, XXXX Card, etc once again! And all previous correspondence! I want the CFPB to take action against these people! They're the reason I've suffered from identity theft to begin with! Which is why I won a lawsuit against them almost XXXX years ago! Please CFPB take action against them!
Consumer complaint received 2018-05-30
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

On XX/XX/XXXX there is a hard pull on my credit report from Capital One. this is fraud. To date, I should only have 2 inquires from Capital one. 1 being from my auto loan that I refinanced through them and then another more recently one in XX/XX/XXXX. The XX/XX/XXXX one is correct, this is for a credit card that i applied for and then closed given that i was not aware there was an annual fee. I have had suspicious activity on my account that i have disputed and can ultimately say this is fraud/identity theft. I have not applied for anything other than my car loan and this most recent credit card with capital one.