davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-27
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. (MD)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-22
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (NC)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Complaint Against NATIONAL CREDIT SYSTEMS for Violation of Consumer Rights To Whom It May Concern, I am writing to file a formal complaint against NATIONAL CREDIT SYSTEMS for multiple violations of my rights as a consumer. The agency has engaged in practices that directly contravene the regulations set forth by the Consumer Financial Protection Bureau ( CFPB ) and other relevant statutes. 

1. NATIONAL CREDIT SYSTEMS has failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ), yet they have proceeded to place a collection account on my consumer report. This omission denies me the opportunity to verify the accuracy of the debt they claim I owe. 

2. I have not been afforded the opportunity to dispute the account in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( I ). This denial of the dispute process deprives me of my right to challenge any inaccuracies or discrepancies regarding the alleged debt. 

3. NATIONAL CREDIT SYSTEMS has resorted to false, misleading, and deceptive means in their collection efforts, thereby violating my consumer rights. Such unethical practices undermine the integrity of the debt collection process and cause undue distress to consumers. 

4. Furthermore, the agency lacks the authority to furnish any account to consumer reporting agencies without adhering to the necessary disclosures mandated by law. By neglecting to fulfill their obligations under 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ), NATIONAL CREDIT SYSTEMS is flagrantly disregarding consumer protection statutes. 

I demand that the Consumer Financial Protection Bureau investigate these egregious violations committed by NATIONAL CREDIT SYSTEMS and take appropriate action to rectify the situation. Additionally, I request that the agency cease all collection activities until these matters are fully resolved. 

Thank you for your prompt attention to this matter. I trust that the Consumer Financial Protection Bureau will diligently pursue this complaint and ensure that my rights as a consumer are upheld. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-03-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

I break down my monthly mortgage payment into 4 weekly amount to satisfy the monthly requirement by the XXXX monthly. PHH does not apply my payments as they are received, they put them into a suspense status or apply the amount to the principal. I have written to them several times in addition to calling them regarding the correct posting of my payments. It doesn't help. I am disputing 2 late charges with them again for XX/XX/XXXX & XX/XX/XXXX payments. PHH reported me late on XX/XX/XXXX. All final funds due ( {$1100.00} ) were paid by Monday XX/XX/XXXX, which was the next business day as the XXXX fell on a Sunday. PHH again reported me late XX/XX/XXXX when the XXXX payment was paid in full by XX/XX/XXXX. Payments were sent as follows XX/XX/XXXX {$700.00} XX/XX/XXXX {$700.00} XXXX {$700.00} XXXX {$450.00}
Consumer complaint received 2019-03-18
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. (IL)

Through this portal I have filed complaints against XXXX, XXXX, & Transunion. The specifics of the complaint has been provided to several times. They have and are currently displaying blatant disregard for the " Fair Credit Reporting Act '' known as the FCRA. I mailed disputes ( XX/XX/2018 ) which all three agencies failed to respond to in timely fashion. Not only have they failed to respond but they continue to display malicious intent by contacting for instance a creditor and claim fraud on my behalf when I merely requested they investigate a late. 
Specifically the following : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), if  the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

This behavior flys in face of the intent of the FCRA and should be met with the most severe scrutiny. These agencies use a great deal of misdirection to cause confusion and hopelessness. Please investigate my claims ...
Consumer complaint received 2019-06-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RentDebt Automated Collections, LLC (TX)

RentDebt Automated Collections , LLC This company has sent me a debt collection letter in which I paid and illegally continues to request another amount even though I have already paid the debt in full in which I requested them to show me evidence in which I even owe them and where they got their information from and they continue to send me letters and are still trying to collect. They sent me the receipt in which I have posted here so you can see that the debt says I owe 0.00. I will be filing a civil lawsuit in my local court house due to the fact that they continue to illegally mis represent the debt on my report in which is causing me mental anguish and harm to my life. I can not move forward or even rent a place because of this misguiding debt they are reporting on my social. Amount of {$810.00} was reported in which I paid for. If the debt is not removed within the next 5 Days I will file suit in the XXXX County Courthouse.
Consumer complaint received 2019-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (NY)

Hi, my dispute goes back over a year which I am trying to get this resolved and it keeps getting pushed and not resolved by American Express, I made 7 orders with XXXX all for the same amount of {$2400.00}, after XXXX shipped the orders XXXX requested the shipping company to return the items to XXXX, therefor the items were never delivered to me but instead delivered back to XXXX, but here started the problem that XXXX didn't refund me for these orders, when I tried to dispute some were approved while the last one keeps getting closed since American Express sees identical charges refunded so they consider this as a refund for the disputed charge which in fact is a different charge which was never refunded neither by XXXX nor by American Express, as many times as I tried to explain that I kept getting denied for that reason, my last dispute Inquiry Ref. No. : XXXX I actually got a letter dated XX/XX/2019 from American Express saying that they closed the dispute in my favor, but to my shock I never got a refund for this charge, this is not acceptable that American Express refuses to resolve this once and for all
Consumer complaint received 2019-06-16
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. (MI)

Equifax has refuse to remove an account listed by XXXX XXXX XXXX. i have provided a copy of the auto loan payoff to equifax as proof that this contract was paid in full on XX/XX/15. Equifax haven't provided me with any proof that this account is verified. I have disputed this account account 3. only to keep dropping my credit score with each dispute.
Consumer complaint received 2019-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NC)

My credit score has been showing N/A with Equifax. I first noticed the issue in XXXX of 2018 while purchasing a vehicle. I contacting them and was told I had to prove my identity due to my credit had been compromised in their system. I sent in all documents needed. I contacted them a week later and was told to do the same thing again. I did it again via email and fax this time. Still it continues to show no score. I finally was able to get the loan based on XXXX and XXXX scores. Them in XXXX of 2018 I had the same issues again attempting to get a lease. I contacted Equifax 4 different times and sent them items 4 different times. I finally just purchased a vehicle instead of leasing one for my wife. Now my wife and I are trying to purchase a home and Equifax is still showing no score. I dont know what else to do. My transunion score and experian scores are showing. Thanks!
Consumer complaint received 2016-10-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (FL)

Ocwen Loan Servicing agreed to a deed in lieu of foreclosure aka cash for keys while I still reside at XXXX XXXX XXXX, XXXX FL XXXX for {$12000.00}. I have no money to move. The relationship manager for my case XXXX XXXX, failed to inform the Ocwen attorney about my approval for cash for key and my house was sold today at XXXX XXXX XXXX XXXX Court for {$38000.00}. Case number XXXX. Ocwen does not know how this happened and they are sorry, but not offering any resolution for me getting money to move. What happened to my cash for keys? I need help to move to a new house and Owcen sold my house. 
XXXX
Consumer complaint received 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc. (RI)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

ACCOUNT : XXXX ( XXXX ) ACCOUNT : XXXX  XXXX ( XXXX ) ACCOUNT : XXXX XXXX ( XXXX ) 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A. Section2, also states a consumer reporting agency can not furnish an account without my writing.

15 U.S.C. 1681 C ( A ) ( 5 ) Section states. no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ). A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Looked on my credit report and found inquires that I have no knowledge of. My phone with my banking apps and wallet was lost for some time in early XXXX. Someone returned them in my mailbox a day after so I think these problems are stemming from that situation. I would like to remove the following hard inquires from my transunion report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-27
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. (TX)

In accordance with the fair Credit Reporting act XXXX Account XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions,
Consumer complaint received 2022-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have already sent multiple requests this year, but the accounts listed below are still reporting on my credit report and are violating Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues to report unconfirmed information.

Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. ( 1 ) IN GENERAL. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. An identification of me has been used with out my permission to open several accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by Federal Law 15 USC 1681b Permissible purpose of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. YOU have aided this Fraud by not verifying these accounts. Congress states 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

The Following Accounts are a result of Identity theft and are not mine, I demand that they are DELETED immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I demand all the above Fraudulent accounts DELETED immediately.
Consumer complaint received 2022-07-06
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 



15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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
Consumer complaint received 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report # XXXX. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2019-03-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (LA)

I was with Seterus Mortgage company and in XX/XX/XXXXand in XX/XX/XXXX I requested mortgage assistance sending in mortgage assistance documents. I was told on both occasions that I did not qualify for any type of assistance and that I needed to submit payment. On two occasions I wired funds and they were returned because they said it was not the full reinstatement amount. The week of XX/XX/XXXX I spoke with an agent and he said that I may qualify for a repayment plan since my hardship was over. He told me what I needed to do and that I would need to have at least half of the amount I was past due on hand. The next week I overnight a cashier 's check in the amount of {$6000.00} to them with the retention letter that he told me needed to be included. The next week I receive a letter stating that my mortgage was being sold to a company called Mr. Cooper effective XX/XX/XXXX. I called Seterus and asked would this have any impact on my repayment plan process and was assured that it would not. On that same day I received the cashier check back from Seterus. On XX/XX/XXXX I contacted Mr. Cooper and was told that they were considering a loan modification, because I could not be considered for a repayment plan because the mortgage had already gone into foreclosure. Seterus never discussed that with me. I learned on Friday, XX/XX/XXXX that I did not qualify for a loan modification because the loan has previously been modified 3 times. I only recall twice. I was told that I have until XX/XX/XXXX to come up with the reinstatement amount of XXXX. I only have the XXXX that Seterus returned. I feel that Seterus should have not made me think that I was about to be in a repayment plan and now Mr. Cooper won't even consider helping me unless I come up with the full amount in two weeks.
Consumer complaint received 2022-07-06
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. (FL)

I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX 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 XXXX, and I'm including it again. XXXX XXXX - XXXXXXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$1700.00}, XXXX XXXX XXXXXXXX Date opened : XXXX XXXX, XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$25.00}.