davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NC)

I receive social security XXXX, XXXX per month. I fell behind on my mortgage payments, its been a struggle, with having limited income. My payment amount was XXXX, I still fell behind on my mortgage payment, because of unexpected expenses, like air condition repairs, and other repairs. So, I applied for a Modification on XXXX. Several days later, I received a package of papers, stating I was not qualified for a Modification or Mortgage Assistance. The package only had information about short sale, deed in lieu foreclosure, basically saying I had no other choices but to give up my home, also stating I wasnt behind enough to qualify for mortgage Assistance. I still didnt give up, So I applied for a Modification, Mortgage Assistance on XXXX. On XXXX I received a letter stating, congratulations I had been approved for a Modification with trial payments of XXXX, XXXX trial payments starting XX/XX/2022. Usually the trial payment amount is your permanent payment amount. This is totally unfair. A Modification is suppose to help homeowners, reduce payment amount to make payments more affordable and also reduce the interest rate. This is illegal I know to increase a homeowners mortgage payment XXXX more a month, when a homeowner is already struggling to keep their home. Phh Mortgage Claims they help homeowners. This is not true, Phh creates a way to actually take your property, like increasing your mortgage payment, so you cant afford to pay and lose your home to foreclosure. I am requesting your assistance with this matter as soon as possible. I had to accept this offer, so I wouldnt be homeless, this is not fair to me or any other homeowners. Therefore this is a formal complaint against PHH Mortgage Services, Investors owners, and PHH Companies, for illegal Mortgage Servicing. Increasing Mortgage payments for a already struggling homeowner, first denying the homeowner of mortgage assistance, claiming the only alternative is short sale, deed in lieu foreclosure, then increase mortgage payment XXXX per month to a already struggling homeowner. Please help me! This is wrong!! Thank you, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, telephone # XXXX
Consumer complaint received 2022-07-15
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. (CA)

The Experian and XXXX Credit Bureaus ignored FCRA section 605b and continued to report the disputed queries on my credit report in addition to rejecting my requests for the removal of the unlawful inquiries. From XX/XX/XXXX to XX/XX/XXXX, I sent the credit bureaus numerous written appeals, but despite all of my efforts to have my credit file corrected, the credit bureaus seem to enjoy seeing consumers in difficulty. My legal counsel has been alerted of the situation, and they are ready to work with me to file a lawsuit and impose a fine on the credit bureaus to make up for the actual losses caused by their negligence. Since these inquiries were the result of my identity being stolen, the Credit Bureaus are compelled to delete the disputed ones. The following inquiries should be deleted : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-16
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: Experian Information Solutions Inc. (TX)

I have been disputing for the correction of the account XXXX XXXX XXXX XXXX with a Balance Owed : {$810.00} that has been erroneously reporting on my Credit File. This account is reported as a charge off account and yet it has been continuously reporting an alleged balance of {$810.00}. I do not know that much but for all I know Charge off accounts should report a {$0.00} balance. I have been frequently requesting that the Credit Bureaus remove the balance and change it to XXXX but the Credit Bureaus have been stubborn with their claims. Also, I have been requesting the Credit Bureaus to provide me copies of proof of verification since they have been reporting this account as verified in which I strongly disagree. I am now submitting this CFPB complaint to request to the Credit Bureaus that they either remove the balance and change it to XXXX or completely eradicate the disputed erroneous account from my Credit File.
Consumer complaint received 2022-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (PA)

XXXX XXXX XXXX still shows that I have over {$1000.00} balance. I had paid it down to XXXX & than all new transactions that were fraudulent were made. I reported this months ago, but they are still taking my minimum payment ( which I shouldnt have to make because they are not my charges ) I told them to close my acct. but it keeps showing as open. 
Same thing happened with XXXX XXXX Citicard. I want them all closed, but they keep showing as open. 
Also my XXXX Credit Journey dropped by over 50 points. It stated there were 7 recent hard credit pulls. I have made 0.
Consumer complaint received 2022-09-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I have previously complained about Portfolio recovery ( hereinafter PR ) and the complaint was closed and nothing was resolved. Complaint # XXXX as well as complaint # XXXX. PR has been negatively reporting to the credit reporting agencies causing my XXXX XXXX to drop significantly. I have requested validation of the alleged debt and PR has NOT issued proper validation of this alleged debt, contrary I have come to find out they had a claim against me in court. 
Furthermore, PR never sent me any first communication, yet in PR response to my dispute with the credit reporting agencies, PR sent me a " copy '' of a sold letter that allegedly was sent from XXXXXXXX XXXX. I have requested PR on several occasions including via email a copy of the alleged contract between XXXX and PR. and copy of the forward flow agreement. The invoice for how much they bought this alleged debt. All statements and documents provided to them by XXXX that made them believe this alleged debt was valid. Along with the statements as what they sent me was incomplete. I need someone's assistance with this company. PR does not care about consumers ' rights and they are just getting away with making consumers ' lives more complicated and stressed and causing the extension of credit difficult. 

Not only is PR in violation of several federal laws that protect me the consumer, but also PR has engaged in identity theft by reporting to the credit reporting agencies without prior authorization from I the consumer, and forging a fake contract. I have never contracted with PR nor given PR any permission or authorization to have use of my personal identifying and private information, let along make negative remarks on a public medium such as a consumer report.
Consumer complaint received 2022-09-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (AZ)

me and my wife got a settelment. we deposited it in our chase account.they put a 7 day hold on it.after the 7 day hold they froze our account said checks where fraudulent.the checks came from our attorny allmost 14000 dollars we went to the bank on the XXXX of XXXX we where told the checks would be mailed back. the checks cleared our attornys bank on the XXXX of XXXX. we still have not seen a check or our money. please help my phone is XXXX XXXX XXXX its been three weeks
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: National Credit Systems,Inc. (MI)

In accordance with the Fair Credit Reporting act National Credit Systems 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 2022-05-05
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Nelson Cruz & Associates LLC (SC)

Company called me at work and wantes to verify it was me and said thus was an attempt to collect a debt. I asked them to remove that number from their list, that i was at work and could not receive phone calls like that at work. I asked them to stop. Gave them an alternate number to contact, don't know what it is about except they are saying a debt. I have no debts in collections according to my credit reports.
Consumer complaint received 2024-09-23
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: Self Financial Inc. (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear SELFINC/LEAD, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Missouri state laws pertaining to identity theft and consumer protection.

It has unequivocally come to my attention that SELFINC/LEAD has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law provides protection against identity theft and unauthorized use of personal information, including the misuse of credit reporting data. Missouris Identity Theft Law ( RSMo 570.223 )
criminalizes the unauthorized use of personal identifying information, and failure to comply with such protections may also be considered a violation of the Missouri Merchandising Practices Act ( RSMo 407 ), which addresses unfair and deceptive business practices.

I assert with unwavering certainty that I have not provided consent for SELFINC/LEAD to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and a clear disregard for both federal and state laws. 

I demand that SELFINC/LEAD immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouris Identity Theft Law. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable federal and state laws, including Missouris statutes on identity theft and consumer fraud.

Obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that SELFINC/LEAD will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Consumer complaint received 2022-12-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MN)

Last time asking show me proof of ownership of this debt other wise legal action going to be applied for harassment. I have no knowledge of who you are. Send me contracts with my sign signature showing that I have applied for credit with LVNV please keep in mind cease and desist. And remove this from my credit files ASAP
Consumer complaint received 2023-12-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO Bank, N.A. (CT)

I opened Relation Checking account with BMO bank on XX/XX/2023. At the time of opening the account, there was an offer of {$600.00} opening account bonus once {$7500.00} of direct deposit made with XXXX  days ( attached ). 

On XXXX XXXX, I called BMO bank to inquire on the offer as I had completed all the qualifications. 
XXXX told me that the offer was to complete requirements in XXXX  days and not XXXX  days and hence, I would not be eligible for the offer. I tried to explain that BMO had a revised offer of XX/XX/XXXX and that is exactly the reason I opened this account. 

BMO XXXX  did not honor the request, I sent a written complaint as well. I need CFPB to look into this matter and penalize the bank for predatory practices.
Consumer complaint received 2022-09-16
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. (TX)

It has been brought to my attention that the Credit Bureaus did not just ignored my request for the removal of the disputed items but has continued reporting the disputed items as verified and correct! This is a clear violation of my rights as a consumer! Under the Fair Credit reporting Act section 605b, the Credit Bureaus are required to remove any accounts and information that resulted due to identity theft. However, in my situation, the Credit Bureaus have been ignoring their responsibilities with the Fair Credit Reporting and have claimed that the disputed items are verified without sending me copies of proof of verification. Also, the Credit Bureaus are claiming to have sent me an updated copy of my Credit Report but I tell you, I have received nothing! I am submitting this CFPB Complaint to you today to complain about the Credit Bureaus willful non-compliance with the Federal Statute. With accordance with the Fair Credit Reporting Act section 605b, I am ordering the Credit Reporting Agencies to immediately remove the following fraudulent accounts and information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$290.00} XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance Owed : {$690.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2021 XXXX XXXX XXXXXXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021
Consumer complaint received 2022-09-16
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. (NY)

Experian is reportinng XXXX XXXX and XXXX XXXX XXXX. I need them to validate and verify these accounts. they are fraud. I need to see contracts with my wet signature by law.
Consumer complaint received 2022-09-16
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. (MO)

This is the several times I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 


XXXX MC XXXX Balance : {$670.00} ; XXXX XXXX XXXX FL XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The credit agencies have been reporting inaccurate information on my credit report. 

15 U.S.C. STATES 1681 SECTION 602 A. STATES I HAVE RIGHT TO PRIVACY.

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. 

ALSo THE CREDIT BUREAUS TOOK MORE THAN 30 DAYS TO COMPLETE MY INVESTIGATION. HERE IS MY CERIFIED MAIL TRACKING NUMBERS # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I've sent letters to credit bureaus on XXXX XXXX. I have yet to have received a investigation nor received any results in my mail. I've contacted furnisher for updates also.
Consumer complaint received 2022-09-16
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: Experian Information Solutions Inc. (CA)

Please be advised this is my SIXTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite five previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). 

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$1300.00} and XXXX CARD XXXX Date Opened XX/XX/XXXX Balance : {$740.00}.
Consumer complaint received 2024-09-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I have sent a dispute to XXXX XXXX regarding the charge off being reported on my account and sold to XXXX XXXX XXXX which was not licensed to collect a debt in my state XXXX where I live. I received a letter from XXXX stating that they have placed the account with XXXX XXXX XXXX attorney for review. 

No, under the Fair Credit Reporting Act ( FCRA ), a bill or invoice alone is not sufficient proof that a debt or account belongs to you. The FCRA requires that information reported on your credit report be accurate and verifiable, but the burden of proof for a debt belonging to an individual lies with the creditor or debt collector. They must provide more substantial evidence, such as : Signed Contracts or Agreements Proof that you entered into the agreement for the credit or service in question. 

Account Statements or Transaction Records Documentation showing your use or acknowledgment of the account. 

Verification of the Debt If you dispute a debt, the creditor must verify the debt by providing detailed information showing the original amount, interest, fees, and evidence of your responsibility for it.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I reviewed my consumer reports and noticed that I had XXXX late payments on this account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maxima accuracy. I have never been late on a payment for the the account that I have included screen shot inside this company in on date of XX/XX/XXXX & XX/XX/XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these statement to be update to paid as agreed on this time as they should be due to the fact In was never late. Thanks. Please see screenshots attached :