davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (NH)

XXXX. ) XX/XX/XXXX I contacted Mr. Cooper ( mortgage co. ) to request an application for a Home Loan Modification to reduce my monthly mortgage payments, as they were scheduled for another increase in XXXX due to an increase in the interest on the loan and increase in property taxes. I retired in XXXX and my income has lessened significantly since I was actively working. On XX/XX/XXXX, I sent them the completed application along with the requested documentation. 

2. ) Three weeks later, Mr. Cooper notifies me that they sent me the wrong form and I would be receiving the new form to complete. I did not receive the new form until XX/XX/XXXX. I completed the new form and returned it to them on XX/XX/XXXX. They said it could take up to 30 days to process. 

3. ) I had initially requested in XX/XX/XXXX, that the XX/XX/XXXX and XX/XX/XXXX payments be put on the end of the loan and I would be making a payment in XX/XX/XXXX for the new amount which I was initially told would be {$1000.00}. I was subsequently told that it would be {$1100.00}. Then most recently, a woman named XXXX XXXX at Mr. Cooper ), told me that I could not do a deferral and a modification at the same time. 

I am concerned that this process is taking a lot longer than originally anticipated and that I may lose my house. When I first spoke with Mr. Cooper I was never told that you couldn't do a deferral and a modification at the same time, as that is when they provided the amount of the new mortgage payment. 

Can this process be expedited due to the fact they had sent me the incorrect form initially?
Consumer complaint received 2016-07-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I had received a monthly credit report on XXXX as part of a free service with my credit card company. My credit card company used TransUnion to provide this service. In the report I noticed that the reported amount for the outstanding loans I have is about {$81000.00}. Previous statements from my loan had stated that my loan balance was around {$67000.00}. I called my service provider and they confirmed that my loan balance was correct. They had also affirmed to me that they send monthly balance updates to the Federal Credit Bureau, and they recommended that I contact the credit reporting company to tell them to update my information. 

I admit that I had a free credit report done in XXXX 2016. XXXX and XXXX had reported the same amount that XXXX had been reporting, but TransUnion was the only one that was reporting the {$81000.00}. 

I called TransUnion immediately after I called XXXX. I was first asked a series of questions to confirm my identity like I would for a credit report, but the first alarm that went off was they asked for any other last names that I have used in the past. The had no record of my current name. It has been XXXX years since I had changed my name and I had never worked with this company ( or other credit reporting companies, namely XXXX or XXXX ) before the phone call on XXXX. Therefore, any information they were able to collect prior must have come through Federal Credit Bureau. When I asked them to update my information, they had told me that I need to mail in information confirming my identity with a current lender. This company is asking to confirm information with them that should have been provided from the Federal Credit Bureau. 

When I inquired about the amout reported for my loan after being told I need to correct my current name with TransUnion, the representative was unable to confirm with me the total outstanding balance on my student loan with XXXX and stated that I had several accounts with them. He told me then that he would send me my credit report with them in the mail and that I needed to call back in 3 to 5 days to tell them which accounts were wrong. Again, prior to this conversation with TransUnion, I had never engaged in business items with them so the information collected on me had to come from the Fedeal Credit Bureau and therefore, they are delinquent on their records. 

As in the case I discovered with my credit card company, my outstanding debt is being falsely reported to creditors and lenders. It is negatively impacting my credit score and could potentially harm my chance of purchasing a home in the future. This correction must be made with out hassle ( e.g. mailing unsolicited credit reports, and providing documents to prove my name change that should have been noted already ), and the company must update their information using the Fedeal Crefit Bureaus Databases.
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (MN)

My complaint is based more so on Lexis Nexis. Upon learning of them, I began to look further into my information, requested my report as it was given to others, and also wanted a stop to them further providing any information about me without my consent. Furthermore, someone collecting information on my ho.e, my accounts, were I work, who I talk to, what I drive, etc. Has a different type of word in my state., 2 actually stalking and harassment with the I tent to do harm. My attempts to receive the report lead me moresoe down a rabbit hole then anything. It was developing g the report and things like did you know XXXX has been plaved on a watch list by individuals... .obviously that isn't information any person could just find on an internet search, it lead people to believe their were XXXX XXXX potentially about to be shown to them, etc. My family are all criminals. None of this is at all anywhere near a a complete truth. 
In order for me to have the report stopped from being released, they required I provide them with my social security number and driver 's license number, home address. I don't believe this group has the authority or my consent at any point for a file with my banking information, my annual income, etc. To be given to them let alone distributed for payment... it's my information, if any money is made off of it,, it's my money, not theirs. It's my information ... and it's for sale.?. For Profit?? How is this even legal and why are they allowed to do this?
Consumer complaint received 2023-05-09
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. (LA)

See Attached Dispute Docs detailing blatant consumer rights violations, The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not, and did not verify any of the disputed accounts as you stated in writing that you did. Your failure to delete the disputed accounts that you can not verify after two written requests is also evidence of your willful disregard of Federal Law. I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the Metro 2 Credit Reporting Guidelines. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. Ive studied constitutional consumer protection laws extensively along with cIvil/federal court procedures such that of Dixon-Rollins v. Experian Information Solutions
Consumer complaint received 2016-07-29
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. (PA)

In XXXX XXXX or XXXX XXXX XXXX started auto deduction of monthly payment for a phone service that was never provided. After 30 days of waiting for them to provide said service without success, I open service with XXXX for my home base employment ( Work from home ) service. By the time I nullify my checking Account they manage to auto deduct XXXX payments of about $ XXXX {$29.00} ( not sure of the monthly amount anymore ). I request refund of the auto deduct payments, but instead they put my account into collection and I was harassed continuously. The last agency that had the account in XXXX I advised of the dispute and to remove it from my Credit report I thought this was done when there was no more communication until recently I was denied refinancing my home loan due in part to XXXX XXXX having a collection on my report. Even their own record indicate that I have never had any service from them and they owe me approximately 3 months refund of monthly payments that they auto deduct from my account. Please see the information that I Copied from the report below. 


Last Reported XXXX XXXX, XXXX Collection Agency CREDIT COLL Original Creditor XXXX XXXX XXXX Status Open Opened Date XXXX XXXX, XXXX Closed Date -- Responsibility Individual Balance {$180.00} High Balance {$180.00} Remarks Account information disputed by consumer, meets FCRA requirements Creditor Contact Details CREDIT COLLECTION SERVIC XXXX XXXX XXXX XXXX, XXXXA XXXX ( XXXX ) XXXX
Consumer complaint received 2023-05-18
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. (NJ)

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance.I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and XXXX XXXX compliance standards, I challenge all inaccuracies or deficiencies of reporting.The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable XXXX XXXX data field formatting standards.OK, so here 's my challenge for you : Make a document that shows all of the evidence and sends it to me. It should be verified, complete with sources! The XXXX  XXXX states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! The integrity of your data could be compromised if these standards aren't followed.The report you sent me is not accurate. Are you sure that all of the information is accurate and properly formatted? The below-noted claims are disputed and have not been confirmed as facts.Please take care of any false accounts on my credit report. I am requesting that you fix this issue as soon as possible because it will affect me financially in the future if left unchecked! I can't live with anything less than 100 % accuracy on my credit report. I want only factually accurate, verified and compliant data documented in it!
Consumer complaint received 2023-05-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: State Collection Service, Inc. (IL)

On XXXX at XXXX XXXX  I received a text from Stat Collection Service XXXX I was told to call XXXX about a alledge debt I called at XXXX XX/XX/XXXXput my phone number in so they could find my information once located then I was transferred to XXXX ( XXXX XXXX XXXX I asked who I owed the this alledge debt to XXXX XXXX states he didnt know who I supposedly owed the alledge debt to, if thats the case how can you say I owe alledge debt if you dont know the company name phone number or address, he changed his story to ( XXXX XXXX ) then stated he needs me give my personal info before he can proceed XXXX XXXX only stated that because I was asking him questions about Alledge Creditor info he state he doesnt have an idea who he trying to collect for he couldnt provided debt company information but at the beginning of the State Collection Service call stated they have XXXX account in my name so they had whatever information they may need XXXX XXXX was not being truthful about alledge debt I told him this is a scam what I dont know I wasnt given no info about this alleged debt nor did I receive anything in writing just a text from State Collection Service on XX/XX/XXXXso you can assist me Thanks in advance.
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (MO)

The personal information on my report is wrong. The only personal information that should be on there is my name and current address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Please delete all names and addresses that are not the ones I just listed. Any phone numbers and jobs need to be deleted as well as they are all wrong.
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Security Credit Services, LLC (SC)

Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
Consumer complaint received 2023-04-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: OPORTUN FINANCIAL CORPORATION (CA)

OPORTUNPROG ACCOUNT # XXXX, sent dispute letter, never sent original contract, to verify debt, this is a fraud account, company will not delete off my report XXXX amount {$1100.00}, this is a chargeoff account with past due XXXX XXXX XXXX XXXX sent dispute letter, never sent original contract, to verify debt, this is a fraud account, company will not delete off my report XXXX {$4000.00} past due {$95.00}
Consumer complaint received 2023-05-18
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. (VA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX / XXXX XXXX BANK Account Number XXXX ; XXXX  XXXX  Account Number XXXX ; XXXX  XXXX Account Number XXXX ; DEPT OF ED/XXXX  Account Number XXXX ; XXXX XXXX XXXX XXXX Account Number XXXX ; XXXX XXXX XXXX Account Number XXXX ; XXXX XXXX XXXX XXXX  Account Number XXXX ; US DEPT OF EDUCATION Account Number XXXX ; US DEPT OF EDUCATION Account Number XXXX ; XXXX Account XXXX XXXX ; US DEPT OF EDUCATION Account Number XXXX ; XXXX XXXXXXXX XXXX XXXX Account Number XXXX ; XXXX XXXX XXXX Account Number XXXX ; XXXXXXXX XXXX XXXX  XXXX Account Number XXXX ; XXXX XXXX XXXX  Account Number 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 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this.

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
ACCOUNTS : XXXX XXXX.
Consumer complaint received 2016-11-30
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

In XXXX I opened a checking 's account with Capitalone360. I was giving the option to add external account to fund the checking account. I add an account which I transferred XXXX into the Capitalone360 from external account. The bank blocked my account. They said there 's was a block due verification. I was fine with them verify me and asking questions. They verify me and said that everything was fine. But the account still had a block on it. I could n't get through to speak to anyone. So months went by and still heard nothing from Capitalone360. Not a letter stating what going on with account not even XXXX phone call. My money has cleared in that account and has been sitting with this bank on hold for months. I asked to speak with a supervisor multiple times. But I kept getting we put in the system for someone to give you call. I never received a call. I feel that this company does n't care for there customers. I put my money in the hands of this bank thinking I would handled a good manner. The customer service is horrible it take hours to speak to someone. And when they do answer its nothing but attitude. Its very illegal to hold someone funds over 30 days. Without any letter or bank statements. Still on XXXX XXXX, 2016 I still have n't heard anything. My funds are still being held.
Consumer complaint received 2023-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Found multiple inaccuracies on my credit report. 


XXXX XXXX XXXX Account XXXX XXXX XXXX Date- XX/XX/2020 If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.
Consumer complaint received 2023-04-17
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: EQUIFAX, INC. (OR)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-11
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit 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 XXXXXX/XX/XXXX