davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (GA)

When I refinanced years ago the broker stuck me with a bad deal of a variable rate at 9.25 % with Ocwen now PHHXXXX but I wasn't told any of this until closing at my house so too late to do anything else. I have inquired about refinancing to a lower fixed rate and have been told I don't make enough money even though I pay every month and they said they would charge thousands of dollars in fees so it wouldn't help. Now they are raising my interest rate to 10.25 % even though as far as I can tell interest rates are currently lower than when I closed on the mortgage. I asked about the increase and was given the attitude of they can do what they want and deal with it. I pay extra every month and now they will allocate that money to interest.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/year> Subject : Formal Dispute of Inaccurate Late Payment Reporting for XXXX  XXXX Account Dear CFPB, I am writing to formally dispute an error in the reporting of my XXXX  XXXX account ( # XXXX ) on my credit report. Specifically, your records indicate a 30-day late payment for XX/XX/year>, which is inaccurate. I have reviewed my payment history, and my records confirm that all payments for this account were made on time, including the payment in question. 
Reason for Dispute : The reported late payment is inconsistent with my financial records, which show that I made my payment for XX/XX/year> well within the due date. This error is damaging to my creditworthiness and must be corrected immediately. 
Supporting Documentation : To aid your investigation, I have included : A highlighted copy of my credit report identifying the disputed entry. 
A copy of my government-issued ID for identity verification. 
A copy of my Social Security number card to ensure accurate identification. 
Legal Framework and Request for Action : Under the Fair Credit Reporting Act ( FCRA ) : 15 USC 1681i ( a ) ( 1 ) ( A ) : You are required to investigate disputes and ensure all information reported is accurate.

15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) : You are required to provide a detailed description of the procedures used during your investigation.

15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) : A consumer report must not contain information that is inaccurate or unverifiable.

I hereby request the following : Correction of the inaccurate late payment. Update the account to reflect the correct status of " Paid As Agreed Never Late. '' A detailed explanation of your investigation process, including how the reported late payment was verified.

Documented evidence supporting the claim of a late payment, including the date, amount, and any related communication.

In the absence of verifiable proof of a late payment, I demand that you promptly update this account to reflect its accurate payment history. Failure to address this issue within the 30-day timeframe mandated by the FCRA will result in further action, including escalation to the Consumer Financial Protection Bureau ( CFPB ). 
Summary of My Expectation : Account Status : Paid As Agreed Never Late Updated Payment History : Accurate reflection of my on-time payment history Investigation Report : Explanation of procedures followed and evidence reviewed Thank you for your immediate attention to this matter. I look forward to your response and resolution within the legally required timeframe. 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXXXXXX XXXX XXXX XXXX XXXX, pa XXXX XXXX XXXX* XXXX XXXX XXXX XXXX, MN XXXX **Subject : XXXX Request for Account Deletion Disputed Account To Whom It May Concern, I am writing to formally dispute the reporting of the account listed below on my credit report. I believe this information is inaccurate and/or incomplete and should be removed. 

- **Creditor Name : ** XXXX XXXX - **Date Reported Closed : ** XX/XX/year> **Reason for Dispute : ** XXXX. The account shows a payment history of being late for several months ; however, the account status is marked as " XXXX. '' This inconsistency raises questions about the accuracy of the reporting. 
XXXX. The remarks state, Consumer disputes after resolution, but it appears the account still contains unresolved inaccuracies affecting my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information I believe is erroneous or unverifiable. Please investigate this matter, verify the accuracy of the account details with the original creditor, and provide me with supporting documentation to validate the accuracy of this account. If you can not verify the information, I request that you delete the account entirely from my credit report. 

Attached, I have included a copy of my identification and a copy of my credit report highlighting the account in question for your reference. 

I expect a resolution to this matter within 30 days as required under the FCRA. Please notify me of your findings in writing and provide an updated credit report once the investigation is complete. 

Thank you for your prompt attention to this matter. If you need further information, I can be reached at XXXX XXXX XXXX XXXX. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-09-27
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: SYNCHRONY FINANCIAL (NJ)

in accordance with The Fair Credit Reporting Act. This creditor has violated my rights under 15 u.s.c. Anyone section 602 States, I have the right to privacy 15 USC, 1681 section 60 for a section 2. It also States a consumer reporting agency can not furnish at a kind of count without my written instructions under 15, USCS 1666. Be a creditor may not treat a payment on a credit card account. Under an open end Consumer Credit plan as late for any purpose.
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 15 U.S.C 1681c. ( 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 2022-09-27
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: CREDIT ACCEPTANCE CORPORATION (CT)

XXXX XXXX. XXXX XX/XX/XXXX case was closed with XXXX balance. XXXX XXXX. XXXX XXXX, XXXX for XX/XX/XXXX from the insurance payment balance XXXX settled for XXXX. From XX/XX/XXXX to present the account is considered late and open. 
In accordance with Federal credit reporting Act this creditor credit acceptance has violated my rights under 15USC 1681 Section 602 states that I have a right to privacy. 15USC 1681 Section 604 a section 2 states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment under a open consumer credit plan as late for any purpose.
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I am writing to formally dispute inaccuracies in my credit report related to the account listed as XXXX ( Account # XXXX ). Upon reviewing my credit report, I have identified discrepancies in the reporting of this account by TransUnion, XXXX, and XXXX. These inaccuracies are in violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all information on my credit report must be accurate, complete, and verifiable. 

Below are the specific discrepancies I have identified : 1. High Balance Discrepancy : TransUnion and XXXX report the high balance as {$7400.00}, while XXXX lists it as {$6100.00}. Please verify and correct the accurate high balance for this account across all reporting bureaus. 
XXXX. Last Activity Date : TransUnion lists the last activity date as XX/XX/XXXX, while XXXX reports it as XX/XX/XXXX. XXXX does not include a last activity date at all. I request verification and correction of the accurate last activity date for this account. 
XXXX. XXXX Remarks : TransUnion indicates payment after charge-off/collection purchased by another lender, while XXXX states, account transferred or sold ; paid charge-off. These conflicting remarks suggest reporting errors, which must be clarified and updated with consistent, accurate information. 
XXXX. Last Payment Date : XXXX reports a last payment date of XX/XX/XXXX, XXXX reports XX/XX/XXXX, and TransUnion provides no last payment date. This inconsistency must be reviewed, and the correct last payment date should be uniformly reported. 
XXXX. Payment History Reporting : TransUnion and XXXX provide no two-year payment history, while XXXX shows inconsistent statuses ( e.g., delinquent vs. OK ). This irregularity must be resolved to ensure an accurate record of the accounts payment history. 
XXXX. Account Classification : TransUnion lists the account as Auto Dealers, Used, while XXXX categorizes it as Auto Financing. These conflicting classifications must be reviewed and corrected. 

I request that you investigate the discrepancies listed above and provide me with a corrected credit report. Additionally, please supply me with documentation verifying the accuracy of the information currently being reported or remove any unverifiable information from my credit file in compliance with the FCRA. 

Thank you for your attention to this matter. I look forward to your prompt response. Please complete your investigation and provide me with the results within 30 days, as required by the FCRA. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-09-27
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. (MA)

Experian, XXXX, and XXXX are all reporting fraudulent accounts on my credit report. these need to be removed immediately. I have attached the copy of the police report for fraudulent accounts on my report. there are XXXX accounts showing with the creditor being XXXX XXXX XXXX XXXX XXXX there are two accounts with the same balance which is {$310.00} each. One of the accounts is reporting from XX/XX/XXXX, and the other is reporting from XX/XX/XXXX. Please have all bureaus remove these accounts from my credit report immediately. thank you.
Consumer complaint received 2022-07-29
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: Experian Information Solutions Inc. (MD)

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Experian and XXXX Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/2022
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2023-04-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (PA)

CFPB NEVER INVESTIGATED THE SUBSTANTIATED DOCUMENTS AND INFORMATION I PROVIDED THE FIRST TIME! 

CFPB REPORTED I SUBMITTED THE SAME CLAIM. IF THAT IS SO, Why Didnt I get Specific answers to questions and accusations I posed. 

I dont believe CFPB Never investigated the Verifiable information I handed in. NOR DID I RECEIVE THE SPECIFIC ANSWERS TO WHAT BACKUP CONTACTS, DOCUMENTS, AND DID NOT CONTACT THE MANAGERS NAMES, with PHONE NUMBERS I PROVIDED THEM WITH. 

-CFPB NEVER PROVIDED ME WITH ANY SPECIFIC AND DIRECT FEEDBACK TO THE QUESTIONABLE BUSINESS PRACTICES OF FAY SERVICING. I EVEN HIGHLIGHTED THE DOCUMENTS FAY SENT ME WITH CONTRADICTIONS THAT WERE MADE WITHIN DIFFERENT DEPARTMENTS OF FAY. 

-FAY SERVICING HAS BEEN INVESTIGATED AND FINED FOR MANY OF THE SAME REASONS I PROVIDED WRITTEN DOCUMENTED PROOF OFF. 

-I BELIEVE CFPB IS A PAPER TIGER AT BEST THEY APPEAR TO WANT TO ONLY BIG CASES THAT THEY CAN PUBLISH AND RECEIVE ACCOLADES FOR! 

I BELIEVE THESE INSTITUTIONS ARE AWARE THAT THERE IS NO REAL RECOURSE OR CONSEQUENCES TO THEM. 

THEREFORE THEY CONTINUE WITH THE SAME PRACTICESWHY? BECAUSE THEY KNOW THEY CAN WITHOUT SIGNIFICANT CONSEQUENCES ( WHY WOULD THEY CHANGE, THEY CAN MAKE MORE THEN THEY CAN LOSE USING THE SAME TACTICS AS WHEN THEY WERE FINED WITH NO SIGNIFICANT RECOURSE. 

THE FINANCIAL INSTITUTIONS THAT USE FAY ARE AWARE OF FAYS DUBIOUS BUSINESS PRACTICES. THESE FINANCIAL INSTITUTIONS GET THEIR NEGATIVE REPUTATIONS AS THEY TURN THEIR HEADS AND -MINIMIZE THE TRUE HARM AND DAMAGE THEY ARE PROMOTING BY HIRING FAY SERVICING. THEY KNOW, BELIEVE ME THEY ALL KNOW WHAT IS REALLY GOING ON AND DO NOTHING TO STOP IT WHY SHOULD THEYTHE FINANCIAL INSTITUTIONS KEEP MAKING MORE PROFITS THEN EVER BEFORE. THEY FACE LITTLE OR NO CONSEQUENCES FOR THEIR ACTION CFPB IN ESSENCE IS HELPING THESE MORALLY BANKRUPT FINANCIAL INSTITUTIONS BY NOT INVESTIGATING THE SMALL AVERAGE JOES COMPLAINTS. 
-AND AND -THE FINANCIAL INSTITUTIONS KNOWS THIS. THEY USE CFPB AS A SUPPORTIVE ORGANIZATION FOR THE QUESTIONABLE PRACTICES THEY USE. 
-MUCH APPRECIATION TO CFPB FOR PRETENDING TO PROTECT THE PUBLIC -IN ESSENCE CFPB IS COMPLICIT FOR APPEARING TO HELP US THE LITTLE GUY, YET ARE NOT WILLING TO MAKE THE HARD AND TOUGH DECISIONS NEEDED! 

Is CFPB AFRAID OF REPERCUSSIONS FROM THESE INSTITUTIONS. 

XXXX BELIEVE THEY ARE SCARED STIFF OF THEM! 

-CFPB THE PAPER TIGER WITH NO BACKBONE! GOOD RIDDANCE TO THEM AND THOSE THAT PRETEND THEY ARE HELPING THE COMMON AMERICAN ( The Little Guy and Average XXXX  -Regardless that CFPB IS UNLIKELY TO PRINT NEGATIVE COMMENTS ABOUT THEMSELVES IF NOT ME WHO You can RUN CFPB, FAY , and THE BANKS -BUT YOU CANT HIDE
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 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, XXXX and I'm including it again. 
XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : Balance : $ XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$490.00}
Consumer complaint received 2022-09-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (AZ)

XX/XX/2022 I submitted a dispute to all 3 credit bureaus concerning an inaccurate account that I discovered appearing on my credit report. ARS Reference # XXXX I also sent a direct dispute to ARS please see their attached response which is insufficent and violates the FCRA and FDCPA. I Sent a second letter to ARS on XXXX XXXX requesting deletion ARS verified this account with the credit bureaus. This inaccurate derogatory information is preventing me from closing on my pending home loan. ARS is fully aware that I do not owe any such debt yet they continue to pursue me. I was a victim of a crime in which I sustained physical injuries. I was treated at a hospital in Texas while visiting relatives. I sent ARS a copy of the police report and instructed them to have their client submit a claim to the victim restitution fund. I recently sent a copy of all this information to the hospital in hopes they will rescind this account from ARS.I will be pursuing legal action for damages against both ARS and the hospital if this matter is not immediately resolved and purged off my credit reports.
Consumer complaint received 2024-08-31
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. (TN)

I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.
Consumer complaint received 2024-08-31
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. (CO)

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) the validity and accuracy of your recent investigation of these accounts is that I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was completed and my updated credit report still have the accounts I disputed when unfair traits and activities is being active to this companies that I think ilegally reporting in my credit profile that affects my life being tortured financially.

I WANT TO KNOW WHY? HOW? When they can not provide A PROOF or and EVIDENCE OF ANY WRITTEN DOCUMENTS THAT HAS MY WRITTEN SIGNATURE THAT WILL SHOW THAT I HAVE BUSINESS WITH THOSE COMPANY.

I DISPUTED those accounts because I never applied for any accounts to them. And I did not signed with my written signature to a written documents as transaction agreement. Please Make this negative accounts DELETED TODAY IN MY CREDIT PROFILE and deleted completely in my credit report as under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report and As a consumer by law this account listed below must be deleted immediately!

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Consumer complaint received 2024-10-07
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: American Credit Acceptance, LLC (VA)

This is in response to my first complaint that was closed before I could respond. I was in XXXX XXXX XXXXXXXX since XX/XX/scrub>XXXX XXXX 

American Credit Acceptance is speaking as if I am lying, But in fact. it is the opposite, I have spoken to many of their customer service associates that understand my frustration but are not allowed to make notes on my account to not lose their job. Even more aggravating is - Not one person could give me the correct information and everytime I would call back it would be a different amount and they could never email me my transactions/payments, so I can go over my credit report and make sure it all lined up with my credit report. 

The loan has not been on my credit report. There is no solid paper trail to what is owed, except their write up which doesn't list all the correct dates and what was truly delinquent. They are lining their pockets quickly by their aggressive loan behaviors and Thankfully I know I am not the only one who has felt mistreated and completely dumbfounded in their tactics. I know what I was told to pay off the vehicle in which I did, and then told. no, thats not correct you actually owe more.. 

I was never given the benefit of the doubt. I asked for paperwork, and never received. I think it's fair to only allow me to share these frustrations in hopes it can close this experience for me and warn others to document everything they can and become their own advocates when working with XXXX XXXX XXXX