davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

The following addresses have been reported on my credit reports and added to my credit files. They are reported as Points of Contacts for whatever accounts were added. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX *This was the 1st address that was reported to my credit report & is a CLOSED BUSINESS per XXXX XXXX XXXX  & USPS . It was deleted and replaced with the following address to cover up the fraud account ( s ) & to make the fraudulent account ( s ) appear to be legitimate. ALL 3 Credit Bureaus received both Police and FTC Identity Theft Reports in XX/XX/. I am a victim Of Identity Theft. Instead of BLOCKING whoever reported the account ( s ), each credit bureau constantly allowed the thief to add and delete inaccurate & false information. 

XXXX XXXX XXXX XXXX XXXX, SD XXXX *This was the 2nd address used to report fraud account ( s ). 

The thief has added and used each accounts in the following names : Each account is FRAUD. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

I have struggled since XXXX to work under the Public Service Loan Forgiveness Plan. Recently, Mohela has taken over servicing the loan. I have attempted multiple times to request for Mohela to correct the incorrect information they have about the number of payments I have made under PSLF and the number of payments remaining and Mohela continues to leave incorrect information, tries to get me to not make payments on my loan and also to not reflect the payments I have made. I have THREE payments remaining of the XXXX. For XX/XX/XXXX, XX/XX/XXXX and the FINAL Payment on XX/XX/XXXX, the FINAL payments are XXXX, XXXX and XXXX. I believe that Mohela is acting in bad faith with multiple borrowers and they are trying to keep people in debt when we have worked very hard under the PSLF program. Mohela sent me the attached letter in XX/XX/XXXX showing I had 8 payments remaining as of XX/XX/XXXX. Then in XX/XX/XXXX, they sent me a letter showing I had 8 payments remaining and again in XX/XX/XXXX showing I had 6 payments. I made 5 more payments during the period of XX/XX/XXXX to XX/XX/XXXX and have THREE payments left on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Mohela keeps trying to change the payment amounts or tries to have me pay nothing, tries to defer me and sends inaccurate information. I would like CFPB to prevent Mohela from acting in bad faith toward borrowers and correct the number of payments I have made under PSLF which is XXXX. On XX/XX/XXXX, I will be making my XXXX payment.
Consumer complaint received 2020-06-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I applied for the forebearance offered during covid but changed my mind and. An XXXX it 2 days later as I heard it went against your credit. 
I am on auto pay monthly. 
I asked to be put back on auto pay. 
Instead I was not and I keep getting double payments. I be called 4 times to fix this and its not fixed. Supervisor does not call back. 
On top of it they have put a not on my stellar credit report which they need to take off as Im now refinancing. 
BofA have been totally incompetent And I can not get this fixed.
Consumer complaint received 2016-12-09
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: Johnson Mark LLC (OR)

I am being sued by Johnson Mark LLC who claims they are working on behalf of XXXX XXXX. I have already submitted one complaint, ( XXXX ) but I am now submitting a second one for fraud. 

I received a complaint to appear in court with Johnson Mark claiming to represent XXXX XXXX on a old debt they know nothing about, and have not provided affidavits for. The debt they are trying to sue for they have no claim to, they do not own the debt and are bill collectors. They are trying to force a win by default, trickery and scare tactics. If they do not amend the complaint on their own to show who the true plaintiff is in the case. I will write a motion to the court. 

In addition, I will be calling the bar association to report them for misrepresentation in the the complaint, and by trying to get me to settle a debt with them that I do not owe with a demand letter. This is Fraud. 

Furthermore I will be filing a separate complaint against XXXX XXXX, as they have also committed fraudulent credit card lending practices and scare tactics trying to get me to pay a debt that has been paid off many years ago.
Consumer complaint received 2017-01-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Consumers Inc (VA)

I am writing to dispute a bill that I received from United Consumers Inc. on behalf of XXXX in the amount of {$990.00}. After I terminated services with XXXX, I never received a final bill ; they simply sent this account straight to collections! There is no way that I 'm going to pay for services that were not provided to my children as I had to pull both of them out less than a month into the XX/XX/XXXX-XX/XX/XXXX school year due to negligence on behalf of the staff at XXXX. Their father and I had to pay more than {$400.00} to get them enrolled at another center on very short notice. My XXXX XXXX XXXX was being bullied by an older boy at XXXX and even after complaints from my mother and myself, no one took action. After speaking with the regional mgr. at Corporate a day or two after the incident was initially reported by my child, I informed her that since the director of the XXXX XXXX did a poor investigation of the situation, my children would not be returning as I did n't feel like they were being protected there. I also explained to her that this has caused me to miss a day of work as I had to scramble to make new child care arrangements for my children. The supply fees are for the entire school year, my children were there barely 3 weeks. I will fight this balance tooth and nail because there is no way I will be paying almost {$1000.00} for less than 3 weeks of childcare that turned out to be a terrible experience for myself and my child.
Consumer complaint received 2021-01-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Io, Inc. (VA)

Dear Receivables Management you responded via mail but failed to provided the proper documentation. I specifically requested the HIPAA release form bearing my signature given the provider permission to release medical information to a third party. In the documentation I have from you do not provide me that form. 
This is against the HIPAA law for you to be attempting to collect on alleged debt owed without having this form. Unless you can provide me the form immediately. I demand you cease debt collecting and remove this account from my credit report ASAP. Further action will be taking if you refuse to provide this information.
Consumer complaint received 2016-07-24
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: FIFTH THIRD FINANCIAL CORPORATION (KY)

In XX/XX/XXXX I worked with the local Fifth Third Bank branch as my commercial loan that is guaranteed personally was ballooning as it was a 5 year note. When I went to the branch to sign the refinance papers, XXXX XXXX advised they could n't complete the refi because of a tax lien that showed up on title and that I would have to work with the Special Assets Group ( SAG ). I worked with XXXX XXXX in SAG to complete an extension and he advised me he did n't know why this was in SAG and would refer it back to the branch. 9 years and XXXX extensions later, SAG is now foreclosing on my business property. Through each extension, the interest rate increased from 8 % to now 15.5 % and the fee gouging with each extension has gone from {$1000.00} up to {$2500.00} per extension plus a fee to complete the execute of the extension. Due to the significant increase in principal and interest demands beyond my financial means, I have sold my home and moved my family to a small dwelling to try and maintain this loan. The IRS did not accept an offer in compromise with the selling of my home, but has agreed to subdordinate to Fifth Third if they would modify into an amortizing loan. Fifth Third SAG officer, XXXX XXXX advised they do not modify loans and they " no longer want to do business with XXXX XXXX XXXX '' although I have been a paying customer since XX/XX/XXXX with multiple loans and accounts. I am a XXXX year old veteran and the recession hit my new construction painting business hard. I have XXXX children I provide for and have had no choice but to stop paying due to their predatory practices. The property that is collateral for this loan is necessary for my business to continue to be successful and provide for my family. It is a business operation I use to finish products for new construction, maintenance and storage for my company. With the monthly payment required of {$1600.00} on a {$55000.00} loan I can not keep up with the banks demands and care for my family. I am currently working with the IRS representative XXXX XXXX to request a withdrawal of lien in hopes Fifth Third Bank will modify the loan. The threatening emails and constant demands for a deceptive and unfair payment has jeopardized my business and livelihood of my family.
Consumer complaint received 2016-05-17
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Freedom Mortgage Company (NY)

I have been approved for a refinance that will save me a lot of money. My current lender -- Freedom Mortgage- has agreed to reassign the loan ( XXXX ). We have been waiting XXXX weeks for the XXXX. I suspect they are being slow since they are making {$150.00} a day in interest payments. I have left numerous messages and they are never returned. I am feeling ripped off each day.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to XXXX XXXX XXXX XXXX ( XXXX XXXX ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
XXXX - XXXX reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required XXXX XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
Consumer complaint received 2016-07-24
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: States Recovery Systems, Inc. (CA)

My wife now my ex wife lived in home at XXXX XXXX XXXX XXXX, CA we bought home XX/XX/2005. I was the borrower she the co borrower with power of attorney for me recorded with XXXX County Recorder. I was retired and living in my home in XXXX XXXX XXXX, XXXX I can provide utility bills if necessary. I have never had a utility account at that address or signed any agreement with the city of XXXX only her or renters but never me. She was caught by IRS committing tax fraud in my name and is currently being investigated by the FBI for mortgage fraud. She stoled my identity cleaned out my bank accounts and IRA 's, liquidated my company and put the home in foreclosure numerous times. All without my knowledge. I discovered this after IRS presented us with {$87000.00} tax bill. I have requested innocent spouse relief from IRS and U.S. Tax Court and will present evidence XXXX XXXX in U.S. Tax court in XXXX XXXX. Same issue with dish network my XXXX account is in XXXX again I can provide evidence of this. She used my name with her SS # for this account. When she removed XXXX my account was with XXXX and again I have never agreed or sign anything to do with this account.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-01-12
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. (NC)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.
Consumer complaint received 2023-09-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (CA)

on XX/XX/XXXX bank closed account ending in XXXX and nobody knew account ending in XXXX saying that I had a balance of XXXX. On the same day the merchant refunded XXXX by the bank did not credited to the new account
Consumer complaint received 2020-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

XXXX XXXX XXXX XXXX XXXX - FINAL PAYMENT {$1700.00} ON XX/XX/2019 Creditor closed the account with a Cancellation of debt/settlement Creditor ensured they would removed this negative item from my credit/consumer file report.
Consumer complaint received 2017-01-26
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (FL)

I have been trying to modify my loan with US Bank since XXXX. They refinanced my loan from a private lender but never issued a satisfaction of mortgage. Once I hear they had not disbursed funds for payoff I stop paying the loan and attempt to modify the loan since the value went from {$550000.00} in XXXX to {$290000.00} in XXXX.US Banks has ignore my requests for proof of disbursement of funds to the previous lender. I then attempted to short sale the property and US Bank would not approve short sale due to lack of satisfaction of mortgage. Their reason for not modifying loan since XXXX is " lack of documents ''. I have hired an attorney and behold she is having the same issues. They do not properly log in receipt of documents and are missing documents vital to my loan. They have handled this loan very poorly and it is my belief that they have been fraudulent in their reason for not modifying my loan. US Bank is NOW trying to force a foreclosure and evict me from my home where I have lived for 10 years. My daughter and her son lives with me and we will be homeless. 
When Hurricane XXXX did significant damages to my home, my insurance issued checks over {$50000.00} and US Bank has kept checks and has not disbursed any funds to me even though I paid out of pocket for emergency repairs totaling over {$20000.00}. They are using poor business practices when handling large sums of consumers money and their willingness to modify mortgages loans is unacceptable, especially when they are the root of the problems. They received XXXX of dollars from government bailouts and they have not passed those along to help suffering consumers. I would like have my complete file reviewed to inspect for fraud and improper handling of business documents and funds by US Bank. Additionally they have received my funds from insurance company for emergency repairs for Hurricane XXXX. They have yet to disburse any funds to me even though I spent out XXXX of dollars out of pocket. Please help me. Thank you!
Consumer complaint received 2024-01-12
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)

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a matter of utmost importance regarding inaccuracies on my consumer report maintained by Experian. The purpose of this letter is to seek your assistance in rectifying the violations of consumer reporting laws perpetrated by Experian, which are negatively impacting my creditworthiness. 

Upon attempting to secure financing for a new vehicle, I discovered discrepancies on my consumer report that have unjustly affected my credit score. Despite my repeated written requests, Experian has failed to remove the disputed accounts, names, and addresses, indicating a blatant disregard for consumer reporting laws. 

I believe Experian is in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically sections 1681i and 1681e. Section 1681i requires consumer reporting agencies to conduct reasonable investigations into disputed information, promptly correcting any inaccuracies. Despite providing clear and specific instructions multiple times, Experian has failed to fulfill its obligation under this section. 

Additionally, section 1681e mandates that consumer reporting agencies maintain reasonable procedures to ensure the maximum possible accuracy of the information in consumers ' credit reports. Experian 's refusal to remove inaccurate accounts, names, and addresses demonstrates a failure to adhere to this fundamental requirement. 

I kindly request that the Consumer Financial Protection Bureau intervene in this matter, investigate Experian 's non-compliance with the FCRA, and take appropriate actions to rectify the inaccuracies on my consumer report. I have attached copies of the written instructions I provided to Experian for your reference. 

Thank you for your prompt attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to ensure that Experian fulfills its legal obligations under the FCRA. 

Sincerely, XXXX XXXX XXXX BENEFICIARY
Consumer complaint received 2021-08-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC (TX)

On XX/XX/2019 this account was deleted from my credit file. The collection agency was XXXX XXXX. The original creditor was XXXX for the of amount {$270.00}. Now it has returned under waypoint collection agency.
Consumer complaint received 2024-01-12
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)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-01-12
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. (GA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I have submitted all proof of payments to XXXX from XX/XX/2023 until XX/XX/2023. I have sent proof showing that all payments were all made on time and never 30 days behind. Please update the late payment from XX/XX/2023. Please send proof of the late payment as per my bank statements were paid on time. I have been fighting this a long time and the creditor continuously move the late payment from month to month. This is affecting my credit and I am trying to get if taken care of as I do pay my bills monthly and on time.
Consumer complaint received 2020-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX - FINAL PAYMENT {$2000.00} ON XX/XX/2019 Creditor closed the account with a Cancellation of debt/settlement Creditor ensured they would removed this negative item from my credit/consumer file report.