davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Onity Group Inc. (AZ)

I am having an issue with my mortgage servicing company properly applying the XXXX forbearance to my mortgage loan. My servicer is PHH. 

I received XXXX assistance in the state of Arizona which brought my loan account out of default and paid my account current through XXXX, next due date XX/XX/XXXX. 

Because I was still experiencing a financial hardship, I spoke with my lender ( PHH ) on XX/XX/XXXX requesting hardship assistance specifically requesting Covid forbearance. I was initially approved and received an approval letter and then later on in XX/XX/XXXX I received a denial letter. The reason for the denial was due to me receiving the HAF assistance. Even though I was still experiencing the same hardship going into the month of XX/XX/XXXX. 

To my understanding now in reviewing Fannie Mae guidelines, if a request for forbearance was made prior to XX/XX/XXXX, I would be eligible for forbearance in increments of 3 months, up to 12 months as needed for the hardship. 

I am now delinquent from XX/XX/XXXX through XX/XX/XXXX payment and PHH is now saying I am only eligible to receive a special forbearance effective XX/XX/XXXX through XX/XX/XXXX. I am currently due for the XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payments. 

My request is to enroll me in the XXXX forbearance effective XX/XX/XXXX XXXX installment ( 3 months ). Since I am still experiencing the hardship, I need forbearance extended XX/XX/XXXX through XX/XX/XXXX payment. I will contact lender ( PHH ) towards the end of XX/XX/XXXX to request another XXXX extension if I am still unemployed at that time. 

In the event my concerns raised above are correct, please confirm my loan is eligible to receive the forbearance ( up to 12 months ), under the Fannie Mae guidelines and forbearance terms.
Consumer complaint received 2024-02-02
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. (TX)

I've observed numerous deviations from mandatory reporting standards, leading me to question the accuracy and completeness of the data in my credit report. Consequently, I refute the allegations against me and challenge you to substantiate your authority to include this incomplete negative information on my credit report.

Pursuant to 15 U.S.C 1681e, consumer reporting agencies are obligated to employ reasonable procedures to ensure the maximum possible accuracy of information in consumer reports. Additionally, as outlined in 12 CFR Part 1022 ( Regulation V ), furnishers are required to provide information that is both integral and accurate, conduct reasonable investigations of consumer disputes, and adhere to XXXX XXXX compliance standards, according to the XXXX. 

Deviation from these standards, as emphasized in the XXXX, jeopardizes the integrity of the data, thereby compromising the accuracy of federally regulated reports. Consequently, I am exercising my rights to challenge these inaccuracies and non-compliant items. Disregarding my demand would signify a lack of concern for my consumer rights. 

It is unjust for you to report information that hasn't been verified for ethical standards and certified reporting compliance. I reiterate my challenge to these claims and request evidence of adherence to proper reporting standards. 

Your actions infringe upon my rights, and I've outlined these concerns in this document. The incomplete and non-compliant nature of your reporting fails to meet my standards in accordance with the law. I insist that you certify all aspects of required FCRA/XXXX  XXXX compliance truthfully, correctly, and in a timely manner. Failure to do so may compel me to escalate these matters to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my Attorney General. 

XXXX XXXX XXXXXXXX Late Payment {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-07-06
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. (AL)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXXXXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent inquiries in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a complaint and Per FCRA section 605b Credit Reporting Agencies are required to remove & block any inquiries listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of inquiries which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX . According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2023-07-06
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. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 2023-07-06
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. (AR)

I am submitting this CFPB complaint myself, and to inform you that I was a victim of an Identity Theft. The fact is, I am disputing again the fraudulent items on my credit file. For some reason, I realized that the three credit bureaus failed to fixed it and I do not believe that these items belongs to me. These items should be deleted as a confirm of derogatory nor negative in my credit file. It seems impossible to consider as mine the fact they doesn't belongs to me. Kindly help me delete these following items : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX Balance Owed : {$540.00} ; XXXX XXXX XXXX Balance Owed : {$510.00} ; XXXX XXXX XXXX Balance Owed : {$540.00} ; XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX, AR XXXX ; XXXX  XXXX XXXX Balance Owed : {$540.00} ; XXXX  XXXX XXXX
Consumer complaint received 2023-07-04
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (KY)

I am contacting in regards to my chime account being closed with around {$2600.00} of my funds left in my credit builder account, I was asked for documents to prove my identity and proof of where my deposits were coming from which I provided multiple times through email and links that were sent to me to upload documents, I was sent a link that didnt let me upload because I reached the limit to upload documents and I emailed to ask to fix that issue so I can upload my verifications and before I could even upload them I got an email saying my account was closed, quite frankly for no reason because I didnt violate any policies with my deposits. If this matter is not resolved in a reasonable timeframe I will be filing a lawsuit because chime/ XXXX is taking away from my family I need to provide for with my hard earned money, I personally know plenty of lawyers and military officials that will happily help me out. I either need my account reopened to pull out the rest of my money or a check of my remaining balance sent to my new address thats different from the one on my account. I will be more than happy to provide documentation to an actual human being instead of an automated robot. Thanks
Consumer complaint received 2023-07-06
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. (AR)

This is my 3rd attempts to inform you that my current status should not be showing late because I paid it on time. The Credit Reporting Agency lacks proper record keeping. The accounts are closed and when I requested records to prove theyre reporting are erroneously they have failed to provide me with any evidence.. Lets correct these all immediately. The Bureaus are required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureaus has not abrogated my rights by reporting false information, otherwise correct these accounts immediately : XXXX XXXX Balance Owed : {$150000.00} ; XXXX XXXX Balance Owed : {$14000.00}.
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IN)

As per the Fair Credit Reporting Act, specifically 15 USC 1681 section 602 ( a ), it emphasizes the importance of consumer reporting agencies conducting their responsibilities fairly, impartially, and while respecting the consumer 's right to privacy. XXXX and Experian are recognized as consumer reporting agencies, and as a consumer, you hold the right to ensure the protection of your private information, as supported by 15 USC 6801.

Under 15 USC 1681 section 604 ( a ) ( 2 ), it is stated that a consumer reporting agency may only furnish a consumer report based on the written instructions of the relevant consumer. The financial institution, classified as the " Furnisher of information to credit agencies '' in this case, falls under the definition of a financial institution according to the relevant title. Therefore, both the financial institution and consumer reporting agencies such as XXXX and Experian do not possess your consent to furnish your information, specifically without your written consent, as mentioned in the statute. 

Furthermore, 15 USC 6802 ( b ) ( c ) explains that a financial institution is prohibited from disclosing nonpublic personal information to nonaffiliated third parties unless the consumer is informed of their option to exercise nondisclosure. In this case, the " Furnisher of information to credit agencies '' failed to inform you of your right to exercise the nondisclosure option, which is a violation.

Additionally, 15 USC 1681C ( a ) ( 5 ) states that a consumer reporting agency is not authorized to include certain items of information, including adverse items, in a consumer report without your permission, unless permitted under subsection ( b ). Therefore, their reporting of this adverse item without your permission is a violation of the law.

Moreover, 15 U.S. Code 1681s2 ( A ) ( 1 ) stipulates that a person must not provide any information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. XXXX and Experian are required to maintain reasonable procedures to avoid violations of section 1681c and to restrict the provision of consumer reports to the purposes listed under section 1681b, as outlined by 15 U.S. Code 1681e.

Lastly, according to 12 CFR 1016.7, a consumer has the right to opt out of reporting services at any time. Therefore, I am exercising my right to opt out of their reporting services.
Consumer complaint received 2023-07-06
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. (TX)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be removed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX  XX/XX/2023
Consumer complaint received 2023-07-06
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. (MD)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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
Consumer complaint received 2023-07-06
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)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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
Consumer complaint received 2023-07-06
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: EQUIFAX, INC. (CA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix this accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX  XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX  XXXX Balance : {$3000.00}
Consumer complaint received 2023-07-05
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. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$3100.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-07-06
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. (LA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/2023 XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$2500.00}
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have submitted a dispute letter requesting an expedited response, accompanied by meticulously documented evidence for each claim that has been reported inaccurately in my consumer report. This misinformation has caused significant distress in our lives, including hindering our ability to secure housing for our family. Regrettably, I have been left with no alternative but to pursuelegalaction.
Consumer complaint received 2023-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (MA)

I contacted American Express in XX/XX/XXXX to close my account and deny any future charges. I had already put a freeze online on the account in XX/XX/XXXX. Amex agreed to close the account and deny any future charges. A few weeks later I received a security call stating that there were fraudulent attempts to close the account. I then contacted Amex who told me that they did not properly close the account and agreed to reverse the charges since the account was closed. They also agreed to permanently close the account. 
A month later I received a bill for additional charges. I contacted Amex again and Amex informed me that the agent did not correctly close the account. They confirmed the account was closed. 
In XXXX I received a call that someone was attempting to access my account, which was still open. In addition there as a {$300.00} charge on the account. At this time, Amex claimed that I would be responsible for this charge even though they confirmed that I had attempted to close the account and that they had removed the freeze. 
I am asking you to contact Amex and have Amex remove all charges after I closed the account in XX/XX/XXXX.