davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (OH)

Regarding account XXXX reported by XXXX XXXX XXXX to the credit bureau, Experian. I do not owe any debt, nor do I have any contracts to debt with this agency. This collections agency has not responded to requests to provide validation on the reported account and sends mail back as " Return To Sender ''. No correspondence has come from them, and they have made no claims to justify their right to pursue this account. Requests for investigation and disputes to Experian were delivered on XXXX/XXXX/2015, XXXX/XXXX/2015, and XXXX/XXXX/2015. No results were mailed to me from Experian about verifying infomation with XXXX, but the account 's information on my credit file was updated with all entries on the account saying " Not Reported '' despite the account still being present. This means the account has not been verified and the results were not sent to me within 30 days of XXXX/XXXX/2015. Experian has not complied with XXXX XXXX a ) ( XXXX XXXX requests to disclose THE method of verification used for this particular account, only a general statement of various possible methods with vague and unspecified procedures. Actions are FCRA XXXX violations. The account has been removed from other bureaus for failure to validate and verify. Attached are the dispute letters sent to XXXX XXXX XXXX that have received no response, as well as proof of mailings sent to their listed XXXX location that they Return To Sender. Also included is my letters of correspondence with Experian disputing the account, requesting investingation and method of verification, as well my proof of mailing. Also submitted is a copy of the way Experian has entered the account on my credit file to avoid removing it because XXXX has not validated the account. All documents were signed and notarized before sending to Experian.
Consumer complaint received 2015-06-29
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Onity Group Inc. (NY)

This complaint is being submitted by XXXX XXXX XXXX on behalf of the borrower. XXXX XXXX XXXX represents the borrower for the limited purpose of filing administrative complaints and assisting with loss mitigation. Ocwen is the current servicer of the borrower 's mortgage loan. This loan is not currently in foreclosure. The following violation has occurred with regards to the borrower 's mortgage loan:1. Ocwen 's failure to send periodic mortgage statements : The borrower has not been receiving mortgage statements since the borrower received his modification in XXXX of 2014. The borrower lives at the property address.
Consumer complaint received 2016-01-26
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL (CA)

On XXXX XXXX, 2015 I went into Sams Club and they were signing customers up for credit cards. I applied and they approved me for a {$5000.00} limit. I asked what my rate was, at which time the lady told me I was approved for their 14.90 % rate. She did not give me any paperwork only verbally told me my rate and printed a new card with my account on it at the store. I then spend about {$3000.00} before I got my actual card and paperwork in the mail. The paperwork they send me said my rate was 22.90 %. I then emailed them and told them what took place. They sent me a letter and refuse to do anything about getting me to spend money on credit up XXXX rate and then switching it to another. I attempted to resolve the matter without involving the CFPB, but Synchrony Bank refuses to honor the rate I was told I was getting.
Consumer complaint received 2024-11-22
Product: Credit reporting 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. (FL)

Subject : Dispute of Unauthorized Credit Inquiries What Happened? 
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 

Details of Disputed Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft.

" I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements. 
Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 
Sincerely XXXX XXXX XXXX XXXX
Consumer complaint received 2016-01-27
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BOK FINANCIAL CORP (FL)

We started the refinance application process in XXXX XXXX 2015 through XXXX XXXX /Bank of Oklahoma XXXX . All moved along with positive feedback and we were told that the mortgage should be approved without an issue the week after everything that was required was received and reviewed. The following week, last week of XXXX, we were informed that the underwriters do not believe the appraisal that they set up because it was a high value in the state of Florida. We asked to borrow not even half of the appraised value. We are informed that the reason that our mortgage is not approved is because they did not believe the appraisal. We feel that XXXX XXXX / Bank of Oklahoma XXXX has nothing to base this rejection on and they are discriminating against Florida residents. We wasted time and money going through this process all because the companies underwriters do not believe their own appraisal. We do not understand the risk involved and nobody can explain it to us, the unapproved loan on an amount less than 50 % of value does not make sense. Not one person has been able to explain the risk involved for the loan amount requested on this property. We were only told that the appraisal is too high and they will not approve it. We must start the entire process over with another Mortgage Lender. If they have an issue with Florida they should be up front and disclose their Florida State paranoia and have us go to a mortgage lender who does not discriminate against residents of the state of Florida.
Consumer complaint received 2024-11-22
Product: Credit reporting 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. (FL)

Subject : Dispute of Unauthorized Credit Inquiries What Happened?

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 

Details of Disputed Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft.

" I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) reinforce that inquiries must meet the FCRA 's XXXX purposes requirements. 
Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 
Sincerely XXXX XXXX XXXX XXXX
Consumer complaint received 2016-01-26
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: SUNTRUST BANKS, INC. (CA)

I applied for an auto loan online with XXXX, a Division of SunTrust Bank, via their advertisement on XXXX. They gave me the option to have my personal information forwarded to another bank in the event I was n't approved for their loan ; I denied the option. They did n't approve me for the loan, and made a " hard inquiry '' on my credit report which caused my credit score to go down. I knew my credit score before filling out the application. Why did n't they simply tell me the required credit score so that I could avoid the " hard inquiry ''? I suspect that they want people ( that they are going to deny ) to fill out the application so that they can earn a fee by forwarding their personal information to other banks.
Consumer complaint received 2016-01-26
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

Six years ago, I opened an HSBC account for my sister in my name. Initially, things started out well, but as expected, this did not last ; and shemissed payments. As a result, this has reflected poorly on me, and I am left to pay the price. I have since made every effort to fix this account. The account has been transferred to another lender ( XXXX XXXX ), whom I have constantly tried to contact to payoff the account but it has been to no avail. I can not get a response from them. Please advise.
Consumer complaint received 2015-05-29
Product: Credit card — 
Issue: Billing disputes — 
Company: REGIONS FINANCIAL CORPORATION (TX)

XXXX XXXX added a {$75.00} charge to my gas bill because my payment I mail in was XXXX cents short due to a typo. I called and spoke with the Rep. I think XXXX and ask to dispute the Charge of {$75.00} as being excessive for being short XXXX cents and I wanted to cancel my cards until we cleared up the matter. He email me a form which I completed and was told I would be contacted by another representative. 

No one has contacted me and every 2 weeks XXXX adds another {$75.00} plus interest to my bill. I have no way of getting them to stop adding more charges. I have contacted the Governor of XXXX and the Texas Attn General office for help.
Consumer complaint received 2015-06-29
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CO)

I was sent a letter saying I owed on my XXXX account that I in fact paid off in XXXX of this year. I told them and they said they would submit a dispute and that I needed to send in proof. I have sent in proof XXXX times now and a letter telling them to validate the loan if in fact they are saying i still owe. I can not get them to stop contacting me and releasing this debit that i have proven I paid.
Consumer complaint received 2015-05-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

I have tried to get my PMI cancelled since XX/XX/XXXX. I have previously submitted a complaint the case number is : XXXX. In my last complaint the company rep. suggested that we pay {$100.00} so that we can cover the cost of an appraisal to have our PMI cancelled. I have completed the form that Ocwen sent to me. I included a check of {$100.00} and sent it out on XX/XX/XXXX. I then received a letter on XXXX from Ocwen. They claimed that I needed to provide them with an alternate contact numbr for borrowers. I called Ocwen and spoke with a customer service rep. on XXXX/XXXX/XXXXI gave them my husband 's cell phone number. I asked when I could expect to hear back about an appraisal and the person said it would be within the next XXXX hours. IWe did not hear back for over a 2 weeks. My husband finally called again on XX/XX/XXXX. He spoke to a manager and the manager told him that we would get a call back about the appraisal within the next 5-7 working days. We have yet to hear back from anyone about any appraisal. Technically according to my Private Mortgage XXXX Disclosure my PMI should technically be cancelled automatically on XX/XX/XXXX. The document that I signed when I refinanced says : " If your are current on your loan payments, PMI will automatically terminate at the earlier of the midpoint of the amortization period of the loan or on the date the principal balance of your loan is first scheduled to reach seventy-eight percent of the original value of the property. It goes on to explain " The date your loan is scheduled to reach XXXX ( 78 % ) loan to value is XX/XX/XXXX. '' I feel this company is jus making up things along the way. We have done everything we could to get them to cancel the PMI as they are supposed to, including paying XXXX for an appraisal that should not be necessary. Now we are not hearing back from anyone about this appraisal and when we call to try to find out what is going on, no one seems to know that they are talking about.
Consumer complaint received 2016-02-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Receivables Management Partners, LLC (GA)

This is the second time this company fails to abide by the FDCPA. I received no notification of this debt or was not given an opportunity to dispute this debt. This company is ruining my credit and I 'm about to close on a mortgage for a home which is now in jeopardy because of their unfair debt collection practices. They are n't complying with the LAW. I have an attorney on standby to take this matter tp court if this account is not removes from my credit report and they follow the law by allowing me to dispute this debt.
Consumer complaint received 2024-08-16
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. (VA)

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 U.S.C 1681 Account numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 section 602 A I have a 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 1681 5-2 ( 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 2015-05-29
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

Citibank put a hold on the bank account without notice and said that the address on file was a Post Office or Post Office Box. This is not true. Citibank has returned items and the account has over {$12000.00} in it. No one is helping release the hold. The account has been opened for XXXX years.
Consumer complaint received 2016-04-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CT)

I have been trying to do a short sale on this property since XXXX/XXXX/XXXX. Every time we submit documents, the servicer says they can not move forward because the foreclosure sale date is too close. So, either our attorney or the servicer goes to court and requests an extension. The extension is granted and I try to move forward with the short sale. The servicer again says they need more time, so the short sale is denied. I just called them, after getting an extension to XXXX/XXXX/XXXX, and they said they need at least 6 weeks to complete a short sale and said they want it to foreclose, they wo n't do the short sale.
Consumer complaint received 2016-01-27
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Ray Klein, Inc. (WA)

XX/XX/XXXX-XX/XX/XXXX I was a victim of identity theft. The person at the time worked for me in my house. They passed away XX/XX/XXXX and I started receiving calls for accounts that I had never opened. I filed an ID theft affidavit with the FTC and a police report. Most of the collectors ceased collection attempts after notification. Professional Credit Service ( PCS ) has continually harassed me about this debt since XX/XX/XXXX even after they have been provided the ID theft affidavit and the police report. Now they have sent me a letter stating they are going to sue me because I have not responded. I am attaching XXXX XXXX showing that I responded XX/XX/XXXX and XX/XX/XXXX. I also filed the reports with the credit bureaus XX/XX/XXXX and had to have security freezes put on my reports. I do n't understand why they are still harassing me on a debt that is not mine.
Consumer complaint received 2016-01-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (NC)

XXXX XXXX is claiming {$130.00} owed for auto insurance on a policy that was cancelled and paid, with a XXXX balance. XXXX XXXX was dropped by me due to my finding a more suitable insurance carrier. I personally cancelled the homeowners and bundled auto insurance. XXXX XXXX charged me {$1200.00} for home owners insurance and XXXX monthly for automobile. When I switched insurance carriers, my premium was now {$510.00} for homeowners and {$60.00} monthly for automobile. Significantly lowering my bills. Which by the way, I repeatedly requested XXXX XXXX contact me directly and explain why my premium was so high. XXXX XXXX failed to contact me for over 4 months, thus resulting in me seeking a more suitable insurance carrier. Additionally my escrow was significantly lowered as a result. I can prove and have sent in my payment history to XXXX XXXX, yet in retaliation of being cancelled, XXXX XXXX sends this {$130.00} to collections in an attempt to ruin my credit.
Consumer complaint received 2016-03-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I submitted a letter on XXXX/XXXX/16 to all XXXX Credit bureaus asking them to verify and validate debts listed on my credit report not only did they not verify some of the accounts updated on my report as if they are still active. XXXX keeps falling off my reports then reappearing saying I owe XXXX dollars to capital one but they have not responded to my request for validation.
Consumer complaint received 2015-05-28
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Benuck & Rainey, Inc. (NH)

Apparently I have a name that 's easy to search and find mailing address and phone number. Consequently I receive dunning phone calls and letters demanding payment of debts that are not mine. NEVER mine. It seems to me the callers could take XXXX more minute on the internet and confirm I 'm not the person they 're looking for. I 'm absolutely sick of these calls and letters and can not find any way to stop them. I suggest a regulation that mandates some level of validation before these collection agencies take the easy way and just call or write everyone, hoping to get a response from the XXXX they 're really after.
Consumer complaint received 2015-06-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

Experian is reporting incorrect information in violation of the Fair Credit Reporting Act. I received XXXX " XXXX '' forms from XXXX for XXXX credit card accounts. This was treated as income to me and I paid taxes on it. XXXX 's use of the XXXX form means what is says : the debt is cancelled. Period. XXXX is continuing to report these balances as not only due, but past due. They claim they are permitted by Experian to do this. I have found no rules or guidance agreeing with this posture. This practice is an abuse of the credit reporting system and must be stopped.
Consumer complaint received 2015-12-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (RI)

I am filing this complaint because Equifax has ignored my request to provide me with the documents that they have on file that were supposedly used to verify the verizon accounts that I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under XXXX XXXX XXXX XXXX ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified. '' For some reason, Equifax thinks sending me a letter stative " it 's been verified '', is proof of verification which it clearly is not. Please resolve this manner as soon as possible