davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I went through forbearance during Covid, Was 24 months without employment income, exited through a Mortgage Modification Plan in XXXX, XXXX My adjustable mortgage was at 3.625 % during forbearance and was increased to 5.625 % during the Modification and remained at 5.625 % fixed after modification. I have always personally paid my property taxes and insurance premiums when due. The servicer insisted on an escrow account. 
The qualifying payment during Modification was {$3400.00}. Modification was then approved with a monthly payment of {$3300.00}, very close to the Modification payment as I was told it would be. I agreed and could afford that. 
Three months later a letter stated that the new payment would be {$3700.00}. I called my Relationship Manager and she was upset that a longer period had not been granted to pay off the escrow deficiency. She had the escrow repayment period extended from, I believe, 19 months to 36 months. The authority was there to extend it to as long as 48 months. The new payment was {$3500.00} from XXXX XXXX to XXXX XXXX. Their letter dated XXXX, XXXX informed that the payment would jump to {$4000.00} as of XXXX XXXX. That huge payment can not be accommodated within my financial means and it may result in foreclosure. I will have to cancel automatic payments from my checking account because I won't have adequate funds there to cover it.
Consumer complaint received 2023-05-17
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)

Hello, My name is XXXX XXXX XXXX. I am an victim of identity Theft and did not make the charges. Please take a look at the fraudulent accounts and remove them as quickly as possible.
Consumer complaint received 2023-05-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC (MD)

I was sick in XX/XX/2023. I had XXXX XXXX  & requested for Forbearance from XXXX XXXX via Rocket Mortgage LLC, Loan Servicer, but unfortunately, Rocket Mortgage LLC didn't forward my request to XXXX XXXX, the Investor of my Loan. I have Doctor 's Letter to support my statement & can be shared, if requested. It's very unfortunate that Rocket Mortgage LLC is Possibly violating Cares Act & may also involved in Possible Discrimination. I strongly believe that Rocket Mortgage LLC is behaving this with me because I am a XXXXXXXX Person of XXXX, XXXX XXXX XXXX XXXX. 
I want CFPB to take action against Rocket Mortgage LLC for harassing People of Color & Minorities & not proving requested relief as per the Cares Act & start an investigation by Department of Justice for possible Discrimination & possible violation of Cares Act.
Consumer complaint received 2023-05-17
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. (SC)

In accordance with the Fair Credit Reporting act. The list of accounts has been violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX  Account # XXXX XXXX XXXX XXXX has violated my rights Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX citizen. 15 U.S.C 1681 section 602 A States I have the rights to privacy. 15 U.S.C 1681 Section 604 A. Section 2 Also states a consumer reporting a gen year can not furnish a account without my written instructions. 15 U.S.C 1681s~2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting angency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid : XXXX XXXX XXXX {$660.00} XX/XX/year> In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 
I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity.

You have thirty ( 30 ) days from receipt of this notice to respond. Failure to respond in writing, hand-signed, and in a timely manner, will be considered a waiver to any and all of your claims in this matter, and will entitle me to presume you placed this on my credit report ( s ) in error and that this matter is permanently closed. Provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Consumer complaint received 2024-11-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (GA)

I opened a Citibank checking account online in my own name. I transfered some money into the account from a joint account ( with my husband ). The fraud department called me and told me that they would freeze my account until I also add my husband on the Citibank account. I declined to do so, and they will not unfreeze my account or let me close it. I don't live near a branch, and can't go in-person to sort it out. There is {$170.00} in the account, stranded.
Consumer complaint received 2023-05-17
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: Bread Financial Holdings, Inc. (NY)

On XX/XX/2022 I applied for the XXXX XXXX XXXX with Comenity Bank. I received a hard inquiry through XXXX and began the waiting process for my approval/denial letter that was stated in the site to be received between 10-14 days. I never received a letter. I called and was told to wait a few more days for the letter. Weeks had passed and I didnt receive anything. I contacted them again and asked to speak with a higher up and I was told that I never applied for their credit card when I did, I told them, If I didnt apply why did I receive a hard inquiry?. I was then told to apply again on XX/XX/2022, and the same thing occurred. So after waiting weeks, I called and they still had no response for me. Finally, after calling and after the window of time of the approval or denial process they sent me a letter of denial. I called and spoke to a higher up after numerous of times and they had no answer for me. They didnt want to fix the issue and I ended up contacting XXXX and a representative agreed that they should remove the hard inquiry if I never received a approval or denial letter and since they stated that in their database they had no information that showed that my application ever existed. The representative of XXXX sent a letter to their mailing address and I never received a letter back from Comenity bank. I contacted Comenity Bank regarding an update on the letter and I was told by a representative that I would have to keep sending letters until they responded. And I explained that I have been waiting months, and their response to me was to continue sending letters anyways. I have been dealing with this bank for 8 months already and they have shown to be unorganized and irresponsible with the application process. They stated that they had no way of helping me and have not given me a response ever since.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

Request for Deletion of Inaccurate Information I am writing to formally request the deletion of inaccurate information from my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, you are required to ensure the maximum accuracy of the information you report and to investigate disputes promptly. I have identified the following information as inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I sent to you a copy of my drivers license with correct address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX my only address. This address is where I receive legal mail. etc The other bureaus have my correct accurate address. please update immediately. The address you reported is incorrect, and despite my previous attempts to resolve this matter, the inaccuracies persist. These inaccuracies have caused significant disruption in my life and household, affecting my financial stability and well-being. In accordance with 1681e ( b ), which mandates that you use reasonable procedures to ensure MAXIMUM ACCURACY, and 1681i, which requires you to delete or correct information found to be inaccurate, I request that you immediately delete this account from my credit report. Please provide written confirmation once this account has been removed. Additionally, kindly update my credit report and inform me of any changes made. Thank you for your prompt attention to this matter.
Consumer complaint received 2024-11-16
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (TX)

Citibank said they would mail me a letter within 7-10 days explaining why they closed my savings account on XX/XX/2024 but the letter never arrived. I also have not received my funds which is over {$10000.00}. I have been trying to get a hold of them ever since but I am on hold for wait times longer than an hour. They have not been helpful with the situation at all and can not explain to me why they closed my account. They decided to just close my account out of the blue without a warning or alert, and I was unable to access my account and funds ever since.
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Notice to all, I am that I am, the consumer in fact, natural person, creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the surname/given name XXXX XXXX XXXX XXXX XXXX and have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; XXXX It is a Fact that affiant is the only natural person with first hand competent knowledge of the facts of these transactions. 

XXXX It is a Fact that affiant is a consumer as defined in the Fair Debt Collection Practices Act specifically 15 U.S. Code 1692a ( 3 ) because affiant is a natural person. 

XXXX. It is a Fact that XXXX XXXX XXXX is a debt collector as defined in the Fair Debt Collection Practices Act specifically 15 U.S. Code 1692a ( 6 ) because they are attempting to collect alleged debts. 

XXXX. It is a Fact that XXXX XXXX XXXX is in violation of 15 U.S. Code 1692b ( 5 ) for using their logo indicating that they are in the debt collection business ( see Exhibit A ) 5. It is a Fact that XXXX  XXXX XXXX is in violation of 15 U.S. Code 1692b ( 2 ) for stating that affiant owes an alleged debt ( see Exhibit A ) XXXX. It is a Fact that XXXX XXXX XXXX is in violation of 15 U.S. Code 1692e ( 2 ) ( A ) for using a false and deceptive character for the alleged amount due ( see Exhibit B ) XXXX. It is a Fact that XXXX XXXX XXXX is in violation of 15 U.S. Code 1692d ( 1 ) for threatening to harm my personal reputation over an alleged debt ( see Exhibit A ) 8. It is a Fact that XXXX XXXX XXXX is in violation of 15 U.S. Code 1692j ( a ) for intentionally furnishing a deceptive form ( see Exhibit A ) 9. It is a Fact that XXXX XXXX XXXX is in violation of 15 U.S. Code 1692g for not validating this alleged debt. 



I Vow to all information provided herein, I do so under the penalty of perjury that the information I so affirm to be true, correct, and accurate to the best of my knowledge so be it ; I Do NOT accept this offer to contract I Do NOT consent to these proceedings
Consumer complaint received 2023-05-17
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX 15 U.S. Code $ 1681c-2 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Account Name XXXX XXXX XXXX  Account Number XXXX Date Opened XX/XX/XXXX Status Collection account. {$540.00} past due as of XX/XX/XXXX.
Consumer complaint received 2017-06-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (AL)

XXXX   XXXX   XXXX   processed a private student loan request that is now being serviced by Navient. I did not authorize said loan to be processed and in fact was under the impression that the only student loans processed were Federal Student Loans.
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After finding out there were in fact private loans processed, I entered a rehabilitation program through Pioneer that promised to clear the debt within a short time frame. According to the online records I was able to obtain, none of those payments I agreed to with Pioneer have been adequately applied to the account, nor did those payments remove the erroneous default reporting that Navient has been continuously reporting.
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I am very   XXXX   about the negative reporting as well as the enormous accumulation of interest that has been applied to a previously {$18000.00} loan, which now shows over {$50000.00} in debt due.
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I believe the CFPB would agree that the Pioneer and Navient are credit predators and through deception extended a loan without my knowledge, and went further to add egregious amount of interest that is an unbearable amount.
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In addition to the aforementioned,   XXXX   XXXX   XXXX   is a closing school and has also lost its accredidation. Further details of the events of this school can be found in the " Borrower 's Defense to Repayment '' I attached to this complaint and that was submitted to the Department of Education regarding the federal loans.
Consumer complaint received 2023-05-17
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX 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 1666B : 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 2023-05-16
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: EQUIFAX, INC. (SC)

Today, XX/XX/2023 I received a letter through mail about my initial identity theft dispute which was mailed out to me on XX/XX/2023. I called Equifax to speak about the letter and a representative told me the same thing that the representative from XX/XX/2023 told me about properly filling out the identity theft report. He stated that I need to resubmit the information so that it could be processed properly. I am resubmitting all required information pursuant to FCRA 605B as well as Equifax 's request. Below I have attached the FTC report ( report number : XXXX ), I.D., social security card, identity theft cover letter, and a utility bill. Accounts disputed : 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 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

These two illegal collections are fraudulent and they need to be removed off my report. These two accounts are illegal and I've finally hired a credit specialist to remove these fraudulent items. Please remove these items off my credit report! 

XXXX XXXX  {$140.00} Date Opened XX/XX/XXXX XXXX  XXXX XXXX {$13.00} Date Opened XX/XX/XXXX **Inquiries** These inquiries are fraudulent and were never authorized to be run on my credit report. Its the reason I've hired a credit XXXX. Please remove all these illegal/fraudulent inquiries off my credit report. 

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 2023-05-16
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. (PA)

I have been trying for years to remove account number XXXX XXXX  XXXX off of my credit. I reached out to the company the refuse to remove the late payments on the account. I then ask for the company to send me my payment transactions. According to Credit acceptance file my first late transaction was XX/XX/XXXX which mean this should have been removed for my consumer report as of XXXX, but according to XXXX XXXX, XXXX, and Equifax my first late payment was in XXXX. I have reached out to all three Credit reporting agencies about this account and they all have been responding that the account is accurate and verified. I even request for each credit agency that stated these items were accurate to send me proof of their investigation for my dispute. According to 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I have never received anything and I guarantee that they have not reached out to my neighbors, friends, family, or associates. This is why either of the three credit reporting agencies send me the documentation that I requested. Due to Credit acceptance not reporting accurately and XXXX XXXX, XXXX, and Equifax not doing a proper investigation according to the FCRA, I believe XXXX XXXX and all three credit reporting agencies ( XXXX XXXX, XXXX, and Equifax ) deliberately tried harm me. Because of this I have been denied credit, charged high interest rates, and also suffered for a low credit score for 2 years longer than I should. I am a consumer and I have rights and these companies has violated most of them if not all. This is discrimination, defamation of my character, and I am sure much more once I reach out to a lawyer. I dont believe the consumer reporting agencies have my best interest and now they have proven that their companies are not trustworthy and have not been investigating disputes properly according to FCRA XXXX If this happened to me I can only imagine how many other consumers are affected by this. I am requesting that all late payments, collections, and hard inquiries to be removed immediately. I am attaching documents to prove my statement is accurate and intact is true.