davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

I was recently made aware that I was affected by the Equifax data breach, and upon checking my credit reports I noticed inquiries that do not belong to me XXXX XXXX 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 2021-11-29
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. (FL)

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-08-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (OH)

I have a home mortgage loan at JP Morgan Chase. I am the sole borrower on the loan. My son filed bankruptcy and listed my home as his primary resident. He does live at the home. Chase filed an objection to the Chapter XXXX Plan and subsequently withdrew the objection. On XX/XX/XXXX the court ordered that the claim of JP Morgan Chase was disallowed in its entirety. 
JP Morgan Chase stopped my automatic payment plan on my loan which resulted in a higher interest rate as I could not take advantage of the automatic payment reduction in interest program they offer. I have paid more interest on my loan since XX/XX/XXXX. I have called JP Morgan Chase on numerous occasions and they indicate they can not change how my loan is listed as they are protecting my son from eviction. 
This process by Chase makes absolutely no sense to me. l am being penalized for something totally out of my control. My son is on the title to the house but is not on any loan document as a borrower.
Consumer complaint received 2021-02-10
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: DISCOVER BANK (CA)

I thank you, the Consumer Financial Protection Bureau, for looking into this. 

I am in XXXX XXXX, XXXX. I am up-to-date on my payments with Discover Student Loans. Every other lender I have has granted me " grace '' because I am XXXX Discover, through a potential arbitrary and subjective decision, has denied my XXXX XXXX status. Ok. I've argued every potential path and Discover has continued to deny my status. Ok, fine. However, I am not pleased with their subjective decision to allocate my payments to my past due amount to current amounts due. These current amounts due have already been covered.

Discover has sunk my credit 93 points. So sad. I have made consistent payments since XX/XX/XXXX and the minute I decide to contest, Discover decides to be unreasonable. Unbelievable.

Furthermore, I spoke with many Discover agents in the process to try to get deferment and a change in allocation. XXXX, a nice gentlemen, was very understanding to the situation. However, I was transferred to a gentlemen named XXXX out of the XXXX XXXX XXXX office. Very disappointed : he was very unprofessional, consistently interrupting me, extremely argumentative, and always called me " bud. '' My atty who was also part of the call, listening in, relayed the same : " very unprofessional. '' Putting this is writing so as to potentially pursue legal action. ' XXXX
Consumer complaint received 2015-06-02
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (FL)

Since XX/XX/XXXX, I Have Been Banking At This Bank And Have Turn Down for A {$3000.00} Loan. Today XXXX XX/XX/XXXX, I Went To Check On The Fees That They Take Out Every Month At {$12.00} Which Came Out To Be {$260.00}. - {$18.00} They Only Gave Me Back. Now When The Bank Changed Every Thing And Gave Up With This Account It Was Said That If I Use My Card XXXX Times A Month NO FEES Would Come Out Of My Account. But That Was Not True.WELLS FARGO BANK
Consumer complaint received 2022-08-14
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ENOVA INTERNATIONAL, INC. (TX)

Cashnetusa.com sent a threatening demand letter related to a payday loan from 10 years ago. The letter is from XXXX XXXX XXXX. The letter says that they are threatening criminal fraud action against me in addition to civil claims. It uses a fake " filed '' stamp on the letter. It also threatens to subpoena relatives. The group has also called the personal home phone number of my boss in the past even though I never provided my boss as a reference ( and they left threatening and embarrassing voicemails with my personal information in it ).
Consumer complaint received 2021-02-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC. (CA)

My old landlord fraudulently charged me fees when I moved out. He sent the claim to Caine and Weiner collections. I informed Caine and Weiner that the charges were not valid and that I was taking the landlord to court on XX/XX/XXXX. The court case was originally scheduled for XX/XX/2021, but due to COVID 19 the small claims court has pushed the court case to XX/XX/2021. In my original collections letter Caine and Weiner claimed that this would negatively impact my credit unless I payed. I requested that all interest and action on the account cease until the legal process played out. They did not comply with my request and they have continued to accrue interest on the account while they have known for three months that legal action is pending. Caine and Weiner is located at XXXX XXXX XXXX. XXXX XXXX, CA XXXX. There phone number is XXXX.
Consumer complaint received 2020-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TN)

On approx XX/XX/2020 I contacted Equifax asked them to put a freeze on my credit, they gave me security questions to answer I complied. They told me they could not freeze my credit, I said the other 2 reporting agencies allowed me to freeze my credit online why will you not. They said we can't do that. I then asked them where my XXXX check was for the class action suit for the privacy breach they couldn't answer that either. A huge unjust action from Equifax towards me a consumer. Nothing fair about the way Equifax does business. I want my credit frozen due to identity theft and I also want some answers about my check they owe for breach of privacy. I chose the cash option because I had credit monitoring services with one of my credit cards. Thank you for your help on this matter.
Consumer complaint received 2020-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I am writing this due to non-compliance with XXXX Experian, XXXX. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2024-02-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MD)

I was given XXXX income contingent repayment plan ( ICR ) by MOHELA in the amount of {$850.00} when submitting my consolidation request in late XX/XX/XXXX on studentaid.gov based on Income. 
The promise to me spoken by XXXX and student aid ombudsman was that an income based consolidation loan would also honor my years of payment, thereby cancelling some of my student debt after 20 or 25 years of repayment. I started paying in XXXX, with a break in forbearance on my loans, but have been consistent with paying XXXX and XXXX XXXX ( now XXXX ), since XXXX, under SAVE and IBR. My most recent Tax Return was submitted along with this consolidation loan application request to show that I was eligible for an income based repayment plan. MOHELAs calculations show an Income Contingent Repayment ( ICR ) for {$850.00}. 

On XX/XX/XXXX ( a Friday ), I received a processed Direct Consolidation application from XXXX. XXXX  processes Federal Student Aid for MOHELA, also a Federal Student Aid company. The information within this processed application shows a consolidated loan that will be subject to standard repayment. That amount can range from {$2600.00} to {$4100.00}, depending on what they select. In at the letter I was asked to respond within 10 days. However, the date on the letter is XX/XX/XXXX. By the time I received the letter, I could not respond. The office was closed on XX/XX/XXXX, by the time I received the letter. And the deadline XX/XX/XXXX is a Saturday. The office is no open on XXXX and XXXX. When I called on the next business day, I was told by their representative that the XXXX  did not have the loan. In talking with MOHELA, I find out that the loan was told that the loan was still uploading. I would later find out after much questioning that the loan processed by XXXX  was returned to MOHELA for final processing ( disbursement to XXXX and notification to me ). 

I am continually told conflicting information. 

I am a veteran ( retired military ) and I am XXXX XXXX XXXX. I have worked with a nonprofit in the past ( XXXX - XXXX ). Yet I am told I qualify for debt forgiveness, and yet this consolidation does not reflect any of what has been promised.
Consumer complaint received 2020-07-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONLINE Information Services, Inc. (FL)

I SENT SEVERAL LETTER TO THIS COMPANY AND THEY HAVENT RESPONDED TO ANY OF MY NOTIFICATIONS. ( LETTER SENT XX/XX/20 ) I HAVE SENT NOTIFICATIONS TO THEM VIA CERTIFIED MAIL THAT shows THEY RECEIVE THE LETTER. I HAVE REQUESTED THAT THEY VERIFY THIS INFORMATION CLAIMING A DEBT THAT I OWE THEM IN WHICH THEY HAVE NOT DONE SO YET. THEY HAVE NOT RESPONDED TO ME IN WHICH THEY ARE REQUIRED TO RESPOND WITHIN 3O DAYS.
Consumer complaint received 2020-05-17
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: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX I called XXXX ( XXXX XXXX XXXX XXXX ) to resolve repeated negative reporting on my credit report by offering to pay the debt or settle. The company would not discuss this debt with me and referred me to a collections agency that supposedly owns this debt now at phone number XXXX. On XX/XX/XXXX, I left a message at this collections agency, which I have identified as the XXXX XXXX XXXX XXXX XXXX XXXX , XXXX. They did not return my call, so I tried calling on XX/XX/XXXX again. I still could not contact a representative. I disputed the fact that on my credit report, the only phone number I am given to resolve the debt and stop negative reporting by XXXX is the number to XXXX, who will not discuss the debt with me or give me a way to resolve. I disputed this issue of incorrect contact information for the owner of the debt through Experian on XX/XX/XXXX and through XXXX  on XX/XX/XXXX. I am displeased that the credit agencies only verified that the information for the original debt owner if on the report, and did not investigate why XXXX is marking my report as negative, despite the fact that this entity will not discuss the debt with me and I can not get in touch with XXXX XXXX XXXX XXXX XXXX XXXX , XXXX to resolve the debt. I also disputed on XX/XX/XXXX with Experian that this debt is the result of faulty merchandise. My car caught on fire and the dealer, XXXX XXXX, would not replace any parts without a hefty fee, so I had to voluntarily surrender this vehicle after 29 months of perfect payments. Even with the means to pay off this debt, I have noone who will accept the payment and XXXX continues to place monthly derogatory information on my report. DELINQUENCY DUE TO FAULTY MERCHANDISE AND I HAVE BEEN UNABLE TO GET THE MATTER RESOLVED.
Consumer complaint received 2021-02-10
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

To someone that can help me, Unfortunately, the purpose of this letter is to inform you that the companies listed have failed to respond in the appropriate time frame to my dispute letter from XX/XX/2020. I sent my disputes by certified mail with the U.S. Postal Service on XX/XX/2020. Federal law requires you to respond within thirty ( 30 ) days ; at this point it has been ( 84 days ) and they have failed to respond. I am aware that according to Section 611 ( a ), a failure to investigate these items within 30 days gives a reason to immediately remove the inaccuracies from my report. Again I would like you to know that it has been over 84 days ; the items within the dispute need to be deleted in an expedient manner please. I am requesting these items be deleted immediately or I will implement litigation due to the stress and hardship these companies have caused me. I was affected by the Equifax data breach and this may be the result of this nefarious activity on my reports.
Consumer complaint received 2021-02-10
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: CBC Companies, Inc. (GA)

On XX/XX/2021 I sent law enforcement report, ID, and utility bill to XXXX so that they could block the fraudulent charges appearing on my credit report. I communication over the phone that they ignored my dispute because they didn't think I sent it. So I have hand written my dispute and attached the previous dispute. XXXX  failed to respond to investigate the initial dispute within 30 days and is in violation of FDCPA. The items contain fraudulent charges and they were required to remove the items within 4 days.
Consumer complaint received 2021-02-10
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. (AZ)

This account is in error and the credit bureaus are just doing the same old thing over and over again, and it is just tiring. I disputed the information and it came back verified even though the information was incorrect. As showed in the picture below the date opened for for all three bureaus are wrong, the account balance is wrong, and the date last active is just wrong. I wasn't even in XXXX all of XXXX, I have been living in XXXX since the end of XXXX. I'm in talks with a new potential employer and due to their requirements I can't have any collections on my credit report.
Consumer complaint received 2021-02-10
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. (AL)

The following items are reporting incorrect late status on my credit file : 1. XXXX - reporting incorrect lates from XX/XX/XXXX - XX/XX/XXXX 2. XXXX XXXX XXXX - reporting incorrect late 120 & 180 day status 3. XXXX - reporting incorrect late 120 day status 4. XXXX XXXX XXXX XXXX reporting incorrect 120 days late on XX/XX/XXXX 5. XXXX XXXX XXXX XXXX reporting incorrect late 120 & 180 day status ( maybe a duplicate account ) 6. Incorrect Address Information : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX The below items never belong to me and is reporting on my credit file : 1. XXXX XXXX - This is not my account 2. XXXX XXXX XXXX - This is not my account 3. XXXX  XXXX XXXX - This is not my account or a duplicate of another 4. XXXX  XXXX XXXX - This is not my account 5. XXXX XXXX XXXX - This is not my account 6. XXXX - XXXX XXXX - This is not my account 7. XXXX XXXX XXXX - XXXX XXXX XXXX This is not my account 8. UNKNOWN ACCT ( Bal : {$100.00} ) - This is not my account
Consumer complaint received 2024-02-15
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: EQUIFAX, INC. (GA)

I am writing this to file a formal complaint against XXXX XXXX regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 U.S. Code 6802 of the XXXX XXXX XXXX ( XXXX ) to opt out of such information sharing, and I believe my privacy rights have been violated. 

On XX/XX/2024, I notified XXXX XXXX that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, for the sharing of my nonpublic personal information with non-affiliated third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services. 

I provided this opt-out notice in accordance with the legal requirements outlined in 15 U.S. Code 6802 of the XXXX XXXX XXXX ( XXXX ), and I have retained documentation of my communication with the institution. 

Despite my explicit opt-out request and my clear assertion of my rights under the XXXX, I have reason to believe that XXXX XXXX has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent. 

This unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and a breach of federal law. I am deeply concerned about the potential consequences of this unauthorized sharing, including the potential for identity theft, fraud, or other financial harm. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that XXXX XXXXXXXX complies with all federal regulations and laws including the XXXX, to protect the privacy and information security of consumers like me. 

Additionally, I would appreciate regular updates on the progress of this investigation and any actions taken to address the violations committed by XXXX XXXX. 

Lastly, I have already submitted a compliant with the Consumer Financial Protection Bureau against XXXX XXXX. The complaint number is XXXX. 

Please feel free to contact me at at XXXX or XXXX if you require any further information or documentation to proceed with the investigation. I am committed to cooperating fully with your office to resolve this matter and to protect my rights.
Consumer complaint received 2021-02-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. 
Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Consumer complaint received 2020-02-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (CO)

I thought very highly of Chase Bank, my mortgage lender, until they were over 30 days late paying my homeowners insurance from my escrow, resulting in my policy being cancelled. After speaking with my insurance agent, I was informed that I may be penalized with a higher insurance rate when purchasing a new policy. I spoke with a customer service representative with Chase Bank this morning, and when I told him they provided a late payment he reiterated it was paid on XX/XX/XXXX ( the payment was due XX/XX/XXXX ). He said I will need to follow up with my insurance provider to see why they cancelled my policy. This is not my responsibility. Per the attached letter, it was due to non-payment. Chase is responsible for paying the premium out of my escrow. They dropped the ball, and now I am left without insurance. 

I also tried to reach out to Chase via social media and aside from a generic we understand your concern message in return, they have stopped responding. 

Note : I got married after I purchased my home. My name on my Chase account is XXXX XXXX, my maiden name ( I dont use Chase Bank for any other purpose than to pay my mortgage so I havent gone to the trouble of changing it on my account ) and my name on my insurance policy is under my married name, XXXX XXXX. Please also see the attached marriage certificate for verification.
Consumer complaint received 2020-07-07
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. (PA)

XXXX XXXX XXXXXXXX XXXX  XXXX ) I have sent 4 challenge letters to XXXX  XXXX XXXX  XXXX and equifax  XXXX Each time they say that the account has been verified ... How can they verify that this account is reporting 100 % accurate if they are all reporting different information? they have not conducted full and proper investigations is the answer ... .I am attaching a copy of my report so that you can see all of the inaccuracies in the reporting ... first off the account # includes the letter L which in reading is a metro 2 violation. equifax is not reporting terms and the other 2 are. account status are different, high credit is different, the comments are way different ... 2 of the bureaus do not even have the comment that it is in dispute which is a clear violation. date of last active are all different, date of last payment are all different and the 2 year payment history is totally different ... equifax is reporting ok, XXXX  is reporting a new charge off every month which is killing my score and XXXX  is reporting nothing