davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NJ)

My ex-husband had deeded and titled the property to me with the agreement he would be removed from the mortgage and be absolved from all responsibility of the property. Upon making the payment as the sole resident of the property since XX/XX/XXXX, I had then submitted proof to GMAC who was the then mortgage holder that I was the sole person responsible for the mortgage. I was then given an assumption by GMAC removing my ex husband from the mortgage statements, tax statements and credit reporting. I had an adjustable mortgage at the time and had been alarmed by a sudden hike in my mortgage in XX/XX/XXXXand had applied for a loan modification. I also had to submit proof I was the sole owner of the said property and was granted a modification as such. GMAC then sold my loan to OCWEN who had initially been sending my tax and mortgage statements with my name solely on the documents. Then suddenly in XX/XX/XXXX, the same year they had taken over. My ex husbands name had started to reappear on my tax statements and then my mortgage statements again. When I addressed OCWEN about this situation they claimed at first they hadn't received all of the documents related to my account from GMAC and it would take months to receive all documents. I waited for many months which turned into years and tried to revisit the situation again. OCWEN then had a representative send me a letter stating they saw the assumption paperwork but since it had not been completed they placed my ex husbands name back onto my account and also started reporting on his credit again. Since this was a violation of our agreement and court decision in Family Court my ex husband has taken action which a Family Court Judge had threatened sanctions on me if I do not correct this issue within 120 days from XX/XX/XXXX. During that prior court proceeding last year dated XX/XX/XXXX, the judge did decide I had shown sufficient proof I had attempted to do what the agreement claimed. My ex husband has since re married and has a mortgage currently with his current wife.
Consumer complaint received 2023-06-28
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)

I, XXXX XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX XXXX, am mailing out this information with my wet signature. In doing so, this plus my XXXX and XXXX is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Consumer complaint received 2018-05-08
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. (TX)

The inquiries listed below are not mines. 

XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX This accounts listed below are more than 10 years old. By law those accounts should be deleted. 

1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX
Consumer complaint received 2023-06-28
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. (TX)

I disputed incorrect information contained in my credit report in a letter dated XX/XX/XXXX to your company and to the creditor on XX/XX/XXXX ( please see enclosed copy ). I understand that, under the Fair Credit Reporting Act ( FCRA ), I am entitled to timely response from your bureau. Please take notice that I must receive a corrected copy of my credit report with the changes I have outlined within XXXX ( XXXX ) business days from receipt of this letter, or I will be forced to take legal actions under the FCRA, seeking damages for loss of credit and for the mental anguish your bureau has caused me. XXXX has since removed this inaccurate account since XXXX was not able to verify it even after my dispute letter. Because of your violation of the FCRA 's time frame on such timely responses, it is safe to say that this account will be removed in 5 days or I will proceed with legal action. Attached is the dispute letters dated and time stamped. I have also included an updated copy of my XXXX report showing that the account was removed between XXXX and XXXX of XXXX.
Consumer complaint received 2023-06-28
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRUIST FINANCIAL CORPORATION (NJ)

I sent a verification for debt on XX/XX/23 I spoke ( via phone ) with service finance company and requested they only contact me thru mail system. On XX/XX/23, after several calls a week, I emailed them not to contact me via phone ; only in writing. they continued to call. On XX/XX/23 they received a certified letter validating debt. they haven't responded to letter and continue to call me. On XX/XX/23 service finance continues to call me and email me to collect on debt. This is a violation of 15 usc 166B, 15 usc 1681IA 2 ( A ) ( I ), FCRA 15 USC 16811 N - willful noncompliance. This debt doesnt match my name or my signature on promissory note to pay. I have attached proof the have been sent a debt verification notice as of XX/XX/23
Consumer complaint received 2018-05-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (MD)

My home was approved for foreclosure sale on XX/XX/XXXX.  Signed by Judge XXXX XXXX on XX/XX/XXXX of the Circuit Court for XXXX XXXX County Maryland. The Order says XXXX XXXX, XXXX, Et Al vs. XXXX XXXX ; Case # XXXX. My house at XXXX XXXX XXXX, XXXX, MD.was sold at at auction on XX/XX/XXXX. Listening to the law firm used XXXX XXXX XXXX, XXXX the advertisement was done before the order. I was told it was legal and other lawyers at Foreclosure hotline say that my house was illegally sold before proper advertising or my notification was done. The mortgage company was Shellpoint Mortgage Services. Also Shellpoint purchased my house at auction before the Order Authorizing Foreclosure sale was issued by the court.
Consumer complaint received 2023-06-28
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. (IL)

I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness.
Consumer complaint received 2023-06-28
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. (GA)

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. 

Account name : XXXX  Account number:XXXX Account name : XXXX  Account number:XXXX Account name : XXXX Account number:XXXX Account name : XXXX  XXXX Account number:XXXX Account name : XXXX XXXX Account number:XXXX has violated my rights. Or list of inquiries 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 2024-10-13
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. (NJ)

XXXX is being reported on my credit report even though it was a loan taken out in my name fraudulently and I was told by them that it didnt matter and the only way to get it removed was to repay it even though I didnt open it, since I didnt know better I paid it and was told it would be removed and it never was even though its due to identity theft. 
The credit bureaus claim they cant find my account, but I provide all identifiable information, but they dont want to do their jobs I want all correspondence done through the CFPB
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

I have all 3 credit bureaus frozen as I have had my identity stolen twice. I have logins for each bureau so I can temporarily unfreeze my credit as needed. I was able to login to XXXX and XXXX however, I have been unable to login to EXPERIAN. I tried all of my logins and none worked so I clicked on " forgot user name '' and " forgot Password '' and experian takes you to a screen where you input your Birth date and Social Security number to get a reset emailed to you. When I do this, it goes to an email that is not mine nor ever has been so now I assume my credit login with Experian has been hacked. I have tried over 7 phone numbers for Experian and none of these numbers, no matter what you ask for " agent '', " customer service rep '' will allow you to talk to a human and the automated system can not assist with this. I need to know first if my credit is still frozen and I also need to make sure someone hasn't fraudulently logged into my credit bureau and report. I followed the instructions for login issues and how to submit a letter request for help and have heard nothing back, this was over a month ago. So I am literally being held hostage by this and unable to obtain any new credit as I can not unlock my credit report. I desperately need assistance as there is no one I can get ahold of there! Please help! I need a phone number directly to a " HUMAN '' and assistance in resetting my user name and password. 
Here is what shows when I try to reset user name or password, I have never had an XXXX email so this is not my email. The reset is going to someone else 's email, so scary! 


We have sent your username to the following email address : XXXX XXXX
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.
Consumer complaint received 2023-06-29
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose
Consumer complaint received 2023-06-28
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: Experian Information Solutions Inc. (IL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-05-07
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. (NY)

I am submitting this complaint about XXXX  credit reporting agency. There are 3 items on my credit report that do not belong on there. The XXXX account ( I am uploading a letter as proof that fraud was done on this account ) and it was to be deleted. XXXX XXXX XXXX account does not belong reporting either. I have submitted numerous disputes with them but the situation is never rectified. My credit score is lower than it should be because of these accounts that shouldnt be on there.
Consumer complaint received 2018-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (OR)

In XX/XX/2018, I completed a balance transfer to my Citi Double Cash card. At the time, I had my card set up to auto-pay the statement balance on the due date each month. However, I forgot to change that after completing the balance transfer and when the due date came my checking account was auto drafted for an amount that well exceeded my checking account balance. I noticed something was wrong when I got an email regarding the overdraft fee from my bank. I immediately cancelled auto pay for my card via the Citi mobile app. 

I was frustrated to see the same transaction attempted again twice, both generating the same overdraft fee as before. I then called Citi customer service for an explanation and was even transferred to a supervisor for assistance. I was told that Citis policy is to attempt the transaction 3 times before it is returned. The supervisor told me there was nothing I could do to prevent this and that me canceling auto pay after the first attempt did not cancel the 2 subsequent attempts.
Consumer complaint received 2023-06-28
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: Experian Information Solutions Inc. (TX)

I hope this note finds you well. I'm reaching out because I've noticed something weird with my credit report. For my account : Account Name : XXXX XXXX Account Number : XXXX It's showing that I've had five late payments. But here 's the thing, I've never been late on my payments for this account. 

Consumer Reporting Agencies are pretty important, right? I mean, you guys need to be on the ball with accuracy. This is why I'm reaching out to you directly - to clear this up. 

I'd be really grateful if you could check into this for me. Could you send me copies of the statements where it shows these late payments? If it turns out there's no proof of my payments being late, then it's only fair that these be updated to show that I've paid on time - because I did. 

I know mistakes can happen, but this mix-up with my payment history on this account isn't accurate. So, could you please help me out here and sort this out ASAP? 

Thanks a bunch for looking into this. I'm looking forward to getting my credit report fixed up right.
Consumer complaint received 2018-05-07
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ditech Financial LLC (SD)

My complaint is with Ditech Financial LLC. They are the collection company for XXXX XXXX XXXX XXXX, The company I had my second mortgage with. I filed bankruptcy around 2013 and my bankruptcy lawyer told me that the law had changed that year so I could not write off my second mortgage, but I didn't have to pay them. Well they have a lien on my house so I wanted to try to settle with them. It started about 4 years ago when I called and talked to a representative who at that time agreed to accept {$10000.00} as settlement. I verbally agreed to that amount as well, but then about 2 weeks later I got a letter in the mail from them stating that it was a mistake that they offered to accept {$10000.00}. Then a few months later I called and talked to them and was told they would accept {$13000.00}, but I would also have to send them that last 2 years of financial statements, which I had already sent them 3 times prior so I told them I didn't want to send it again, because every time I sent it they kept telling me its not good enough. Then the next time I talked to them they now wanted {$20000.00}. This has continued to go up and up each time I talk to them. The last time I spoke with them was about 6 months ago and they now said they would only accept $ XXXX {$40000.00}. I told them at the time I filed bankruptcy my house appraised at {$140000.00} which I owed more than that already on my first mortgage and they said they dont care, that they would get their own appraisal. They keep using these unethical and false tactics to try to get more money out of the consumer. This company was previously known as GreenTree who used the same tactics on their customers which is why they were in the middle of a class action lawsuit which lead to them filing bankrupty themselves and then reopening up as Ditech. Their unfair and unacceptable tactics have not changed. I was trying to do the right thing and settle with them, but they keep on increasing the amount and going back on their verbal agreements with me. I'm looking for your assistance in settling this debt with them for the {$10000.00} they originally agreed on. I want to get the lien off of my home and just be done with this company, but I will not pay them this obscene amount of money they are currently asking for. Especially knowing their history of unethical business tactics that they use on the consumer. I would appreciate any assistance you are able to give me.
Consumer complaint received 2023-06-28
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: Nationwide Recovery Systems, Ltd (FL)

I sent a letter out on XX/XX/XXXX to " XXXX XXXX XXXX XXXX XXXX XXXX. Heres my tracking number XXXX, However the collection agency said they completed an investigation and everything was accurate. 

Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. 

The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 

Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. 

Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor, and, as this is a medical account, a copy of any HIPAA authorization.
Consumer complaint received 2023-06-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.