davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 - XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-11-11
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. (NY)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments Ive attached a copy of my report to this complaint. Im now requesting you investigate this accounts and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score.

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.
Consumer complaint received 2015-07-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (DC)

I have been experiencing financial hardship since XXXX of 2013 due to the process know as " sequestration '' I work in XXXX and have yet to recoup losses of personal income due to this political action by the US Congress. I have remained one month behind in my mortgage payments since that time. Now, I am receiving unwanted debt collection calls from a mortgage loan servicer at my XXXX office telephone. This mortgage servicing company ( Ocwen Loan Servicing ) took over my mortgage in 2013 as a result of a bankruptcy filing from GMAC. The company has been told not to call me at my office but the calls appear to be robo-calls. In addition, this company has imposed high cost fees and penalties onto my note in an effort to overwhelm and out distance any ability for me to rectify my loan payments and make them current in order to release my " default ''. I feel this is unscrupulous behavior on the part of this company. I want to bring my note up to date but because of this servicer 's automatic fees and penalties, I am in a deep trench. I need assistance to find and secure another lender to offer me a chance to refinance a new BETTER mortgage ; even if it is at a higher interest rate. I hold more than 60 % valued equity in my home, I am in the 16th year of a 30 year mortgage and was NEVER LATE for 14 years of payments under GMAC. I need to be out from under this company 's indifference so as to pressure the homeowner for profit along with my horror and anxiety over the possibility that I might lose of my home. Trying to negotiate with Ocwen has been a nightmare, they are not a lender and they do n't remember the request for assistance from one month to the next month.
Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 XXXXXX/XX/XXXX INQUIRIES NOT RECOGNIZED XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX 15 U.S.C , 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-11-11
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. (FL)

This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency , block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

This fraudulent, inaccurate, and false information consists of a few Personal credit card accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX These accounts have resulted in eight fraudulent hard inquiries appearing on my consumer FICO credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of the FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all previous consumer hard inquiries result from identity theft and fraud.
Consumer complaint received 2016-01-10
Product: Mortgage — Reverse mortgage
Issue: Application, originator, mortgage broker — 
Company: Onity Group Inc. (CA)

I have a complaint about OCWEN who is servicing our mortgage loan. My husband and I, who are both seniors have applied to refinance our OCWEN serviced loan under a reverse mortgage with a different lender. The process has gone well until a request for the OCWEN serviced loan payoff requirements request by our potential new lender/title company. Briefly, this process has gone as follows : On XXXX XXXX, XXXX an initial request for payoff requirements, on our behalf, was sent to OCWEN by title company. Ocwen, then requested a copy of appraisal which was immediately sent to them. This appraisal was prepared in XXXX XXXX. 

After no response from OCWEN, on XXXX XXXX, XXXX we contacted OCWEN who acknowledged receipt of appraisal but said there was no payoff request. The requested another copy of appraisal which I faxed to them immediately. On XXXX XXXX, XXXX, I called to verify that they had received appraisal and they confirmed that they had and they were preparing payoff requirements in 3 to 4 business days. 

After no payoff request, on XXXX XXXX, XXXX we followed up by phone with OCWEN who told us that appraisal was dated XX/XX/XXXX. After further conversation they admitted they had most recent appraisal but it was n't in color. We were asked to send another copy, right away and they would send payoff requirements within 24 hours. We immediately replied, sending another copy of the appraisal by email. 

On Friday, XXXX XXXX, XXXX we received a letter indicating that they need yet another 4 days to send payoff requirements. 

One annoying issue is that we ca n't get a central point of contact at OCWEN. We get name/id when we call but on follow up calls we can not get back to prior contact and when we ask for return calls we often fail to get them. 

Is there anything you can do to assist us in getting payoff requirements? 


XXXX XXXX
Consumer complaint received 2015-04-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Adjustment Service, Inc. (MN)

Called Diversified adjustments Collections agency to set up payment agreement with them because i have someone helping me make payments they give me a offer of half off the amount or a payment agreement for 12 months. I ask for a e-mail with the pay off and the agreement he said yes and he needed his supervisor to sign off on it and he would call me back at XXXX. When he called me back he said he was still waiting and he would call me the next morning. He did not call so i called there and everybody was rude and disrespectful. Then after i called for 2 days in a roll i had someone who was going to just pay them the half off and they bumped the price up and said i never set up an agreement. All i am asking is if i could get a letter of agreements and or settlement. Now i might have to set up agreement cause offer was good for that day. I am XXXX and the housing i want to move to is wanting an agreement to pay this bill off before they will rent to me and Monday XXXX XXXX is the last day they will hold the apartment because they need the agreement or i lose the apartment. I really need and would like to take care of this but getting no where with them. Please help i do n't know what else to do.
Consumer complaint received 2015-09-24
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Marlette Funding, LLC (PA)

the loan is with Best Egg, who transferred the money into my bank account [ good ] but has not ever given me a statement, correspondence, or any way to contact them or keep track of loan. I would 've liked to make additional payments but the info they show when withdrawing payments from my bank account does not provide any information I can use to do so. also, they advertised low rates but that does not turn out to be the case.
Consumer complaint received 2016-02-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Diversified Adjustment Service, Inc. (MN)

My utility, XXXX XXXX was ongoing from XX/XX/XXXX in XXXX, XXXX I paid all my bills on time every month before moving to XXXX ( XX/XX/XXXX to XX/XX/XXXX ). 
I never had a {$36.00} XXXX XXXX bill balance from XX/XX/XXXX nor XX/XX/XXXX, but this collection appeared on my account in error because XXXX XXXX @ ( XXXX ) XXXX told me they never had any record of this {$36.00} owing from eight to nine years ago? So I paid it anyway but it has not been removed from XXXX credit reporting. Not only is this debt erroneous but its nine ( 9 ) years old! NOT the seven ( 7 ) years that Diversified Adjustments Collections @ XXXX XXXX XXXX XXXX. XXXX, XXXX, XXXX XXXX phone : ( XXXX ) XXXX. They are maliciously reporting this after nearly nine ( 9 ) years and have refused to stop doing so after I telephone and spoke to them XX/XX/XXXX. I DEMAND this erroneous collection to be removed from my credit report. I have been an XXXX XXXX customer since XX/XX/XXXX in XXXX, XXXX nearly 25 years and I have never missed a payment. I will mail supporting documents.
Consumer complaint received 2015-07-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MN)

This is my XXXX complaint against Equifax in reference to the following fraudulent accounts that do not belong to me : XXXX XXXX XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX XXXX XXXX, XXXX, XXXX : XXXX and XXXX XXXX XXXX. In my previous XXXX complaints, I attached supporting documentation which included my incarceration date and a letter from XXXX XXXX for proof that I am not liable for the accounts. Equifax has refused to review or accept the documentation as proof, I am not liable for the accounts. The documentation is proof that I am not liable for the accounts and they do not belong to me. Someone stole my identity and opened the accounts. I am a victim of identity theft.
Consumer complaint received 2015-06-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First National Collection Bureau, Inc. (FL)

I am a victim of identity fraud since 2011. 
First National Collections Bureau Inc. is representing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX who claims I owe them for purchases made in the amount of {$660.00}. I have already sent them a letter in writing with police report & other documents as proof that I had my identity stolen and that someone duplicated my social to file taxes in this same year. Since then yearly I get my credit report and the government sends me special instructions in order to verify myself when filing taxes. I have never ordered any items nor have I received merchandise at my permanent address ( 10 years ) XXXX XXXX XXXX XXXX XXXX Fl XXXX. I checked the only personal bank I use to confirm that I have not been charged nor was my account used to make purchases to XXXX XXXX.
Consumer complaint received 2015-06-02
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I had an automatic payment scheduled for my car insurance to come out on XXXX XXXX, 2015. Since the direct deposit for my payroll was XXXX XXXX, I normally would have asked the insurance company to delay a few days to ensure funds availability, however on this occasion I forgot. Realizing my mistake, I checked my account several times during the day and evening on the XXXX to see if the payment had been posted but the transaction was not listed on the website. In the event that the payment was posted on the XXXX, my plan was to borrow funds and deposit it into the account via ATM before XXXX. ( Previously a bank representative had advised me that an ATM deposit making the account positive before XXXX would help me avoid the fee. ) The following day when my direct deposit was applied, the previous day 's balance showed as negative then the fee was applied.
Consumer complaint received 2024-08-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2015-07-13
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (AZ)

On a recent XXXX from XXXX to XXXX the flight staff made multiple announcements about a special offer. This occurred Fri., XXXX. XXXX, 2015 on XXXX XXXX departing XXXX arriving XXXX. The offer was described as a short term and one time only offer around the merger of XXXX XXXX and XXXX XXXX. They stated quite clearly, and it was a topic of conversation for all the passengers near me, that if you apply in flight for the AAdvantage credit card that you will receive ( 2 ) Free Round Trip tickets anywhere in the continental US. Applications were distributed, I filled one out and returned it to the flight attendant. 

Within about two weeks I received the credit card, made purchases and have paid my bill in full each time. However, I never received either frequent flyer miles or vouchers. I contacted XXXX XXXX multiple times by phone and via their website. I was not able to receive an acknowledgement of the underlying issue, nor a resolution. Two reference incidents were created : XXXX XXXXCustomer RelationsXXXX XXXX Ref # XXXX XXXXCustomer RelationsXXXX XXXXYour Reference number to this request : XXXXIn neither case, nor in phone calls made to the airline was a resolution provided. Finally, I publicly posted the issue on line and then received a response acknowledging the issue and direction to call the XXXX Credit Card company for resolution. Upon doing so they were notably more available and responsive, did the research but were unable to address or resolve the issue, nor provide any remedies. 
It is clear now that this a false enticement was made to enter in a credit agreement, I think it is very important that the appropriate authorities are made away and that other consumers can avoid falling for the same credit fraud.
Consumer complaint received 2024-10-13
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. (NC)

As of, XX/XX/year>, I have published to the public records a Copy Right Notice of my Name, Estate, and personal private information to be private. I never gave this company permission to furnish or sell any of my personal private information. I have already disputed the matter with CFPB about the volition of my private information being furnished, without my permission and the issue still has not be resolved. The damages this company is causing are not allowing me to utilize my consumer credit because of all of the inaccurate reporting. This company is committing Fraud and Copy Right infringement and shall resolve this issue without delay.
Consumer complaint received 2024-11-11
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. (NY)

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Consumer complaint received 2024-08-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (FL)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.