davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-19
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 am writing to express my profound dissatisfaction with the ongoing presence of a fraudulent account on my credit report. Upon reviewing my credit report, I discovered account that do not belong to me. Therefore, I request the removal of this account from my credit report. I request that you conduct a investigation into this account and promptly remove it from my credit report. Please inform me if you require any additional information or documentation from me to facilitate this process. XXXX XXXX.
Consumer complaint received 2016-06-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: Onity Group Inc. (NY)

Ocwen loan servicing let a forged mortgage be obtained with my name, they agreed it was a forget and removed my name and liability from this mortgage, as of XXXX XXXX this mortgage and 15 late payments showed up on my credit score driving it down XXXX points as I am in the middle of finding a home to buy, these late payments need to come off immediately, I have no liability for this loan, Ocwen agreed not to put any further actions on my credit, please help this be removed as well as late payments immediately, Thank you
Consumer complaint received 2024-08-28
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. (MN)

On XX/XX/year> I applied for a private loan through XXXX 
To my Dismay I was sent an email that directed me to an adverse action letter you will find below. In the adverse action letter I was given a list of factors ( not deciding factors ) indicating why I was denied extension of my own credit. Not only were these factors illegitimate reason to deny me an extension of My own credit, they directly violate article 15 USC 1611 criminal liability for willful and knowing violation. XXXX or both of these companies ( XXXX ) and or ( XXXX XXXX XXXXXXXX XXXX XXXX did a hard pull resulting in a negative inquiry on my credit report resulting and a consumer credit transaction but, I was denied the extension of credit and given a list of non-designing factors yet I received no benefit.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I am writing to express my concern regarding several disputed accounts on my credit report. Despite my multiple attempts to address these inaccuracies and my consistent requests for thorough investigations, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and significantly impacting my ability to live a normal life. 

The negative effects of these inaccuracies have caused immense hardships for me. Therefore, I am pleading for your assistance in rectifying this situation as soon as possible. I kindly request a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. 

With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Consumer complaint received 2017-02-21
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (OR)

We are writing to dispute the following information on our current credit report. The item in dispute was a refinance of our home mortgage, referred to as a Home Affordable Modification Program ( " HAMP '' ) and Home Affordable Alternative Program ( " HAFA '' ) with Ocwen Loan Servicing, LCC in XXXX, 2016. We are requesting that the item be removed to restore our credit rating and to correct the information. When we requested the loan modification we were specifically instructed by Ocwen Loan Servicing, LCC to suspend our payments while the refinance was in process. We were never offered counseling or informed that suspending our payments during the refinance process would have such a adverse effect on our credit report. Therefore we are specifically requesting that the " Serious Delinquency " ( very late payment ) item be removed from our credit report.
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NJ)

I DO NOT RECALL OR RECOGNIZE ANY OF THESE HARD INQUIRIES OR ACCOUNTS ON MY CREDIT REPORT HARD INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX {$410.00} XXXX XXXX  XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$2300.00} XXXX XXXX XXXX {$640.00} XXXX XXXX XXXX XXXX XXXX {$7400.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX {$310.00} XXXX XXXX {$0.00}
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I am writing to express my deep disappointment and frustration with your bureau 's handling of the inaccurately reported late payments on my credit file. Despite the multiple dispute letters I have sent, your team has consistently verified these erroneous accounts, causing ongoing harm to my credit report. It is utterly unacceptable that, after my repeated communications, your bureau has failed to rectify these inaccuracies. The verification process you claim to have undertaken is evidently flawed, as the information reported does not reflect the true state of my accounts. This raises serious questions about the integrity and reliability of your verification procedures. 
I have personally contacted the banks involved via phone calls, and they have acknowledged the errors in their reporting. The banks have agreed to update the status of my accounts to accurately reflect that they were never late. Yet, despite this confirmation, your bureau continues to perpetuate these inaccuracies on my credit report. 
I demand an immediate and thorough re-investigation into these accounts. The current state of my credit report is causing undue harm to my financial standing, and it is imperative that these inaccuracies be corrected without further delay. I expect you to cease reporting these false late payments and to update my credit file accordingly. Furthermore, I require a detailed explanation of the verification process your bureau undertook that led to the continued reporting of these inaccurate late payments. Transparency in this matter is crucial, and I expect a prompt and comprehensive responseXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIBANK, N.A. (CA)

I am victim of long economic offense in which i am not employed or getting wages after i left my XXXX position XX/XX/XXXX. At the time of leaving i had about 100000 dollars. I was forced to open a citigold account in XXXX while working as XXXX employee in XXXX although i had a XXXX account in XXXX. I was harassed to leave the company. I had a marital breakdown and i appeased it by a short term relation that was broken XX/XX/XXXX. I had to leave the company because of stress back injury and not being able to be in a relation. I am currently trying to reunite with my wife XXXX but i have no contact with her, my mother is injured and killed i am injured, right now i am in XXXX with just XXXX and i would have to pay XXXX for this internet session and my sandals is broken. A community of thieves is exploiting me as an organisation taking money using me and my XXXX value and using my corporate accounts and offering me services and i had to generate cash begging now. I had owned XXXX XXXX XXXX  account that had unique XXXX value but i had no income and lost money to spammers and attacked many times and injured in XXXX detentions and allopathy class XXXX hospitals. I have a XXXX in which i listed XXXX account number XXXX but i have no income.
Consumer complaint received 2024-07-19
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. (LA)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-06-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (PA)

To who it may concern, I made a purchase of {$500.00} through XXXX, I followed the size chart they have and received clothes that did not fit. I then decided to purchase a shipping label from them. I shipped the clothes via USPS on XX/XX/XXXX to return them. I still have not received my refund. I filed a dispute with Wells Fargo on XX/XX/XXXX and called on XX/XX/XXXX for an update and was told I had no dispute rights. This is completely unfair I am now not in possession of my money or of the clothes. This is my 2nd complaint with Wells Fargo, I also filed another complaint via this site regarding a separate dispute where I received damaged clothes.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (GA)

Experian 's login always takes you to a landing page asking you to upgrade your membership to include " XXXX XXXX Report & XXXX XXXX '' as well as saying that your Experian " CreditLock '' requires a paid membership to use. This is unfair and deceptive business practices that imply that a paid membership is required to use what should be free by law to request a security freeze and to view your credit score. The landing page also shows the cost as " XXXX '' with smaller text indicating the recurring cost is XXXX $ monthly. You are required to see this landing page upon every time you login, further raising the chance you mistakenly agree to the " XXXX '' in order to access your credit report. Alternatively, you are forced to search for the legally required option to freeze your credit report, which does not show up under the " Protection '' drop down.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MN)

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 USR 1681.

account name - XXXX  account number - XXXXXXXX, account name - XXXX XXXX account number XXXX account name - XXXX account number XXXX, account name XXXX XXXX XXXX, account number XXXX 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 2024-07-19
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. (MO)

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, MO XXXX XX/XX/year> Attn : Experian Fraud Division On XX/XX/year>, I, XXXX XXXX, assert that I have fallen victim to identity theft, elucidated by a series of events, and do hereby state the following is true. 

I have a history of being a victim of fraud, as evidenced by my previous FTC complaint # XXXX. Currently, I am a victim of fraud again and have filed a new complaint # XXXX involving the following accounts that were fraudulently obtained under my name. I am seeking to have this information removed from my identity. 

Accounts : - XXXX XXXX : - Beginning : # XXXX - Ending : # XXXX - Date : XX/XX/year> - Amount : {$5500.00} My current address is XXXX XXXX XXXX, XXXX, MO XXXX. 

Thank you for your prompt attention to this matter. 

Sincerely
Consumer complaint received 2020-06-16
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: LoanCare, LLC (CA)

I bought a new home in LA and Loancare was my original mortgage servicer in XX/XX/2019. After making one monthly payment in XX/XX/2019, I received a letter stating that Loancare was transferring my mortgage to XXXX XXXX, so I started paying XXXX XXXX from XX/XX/2019 onwards. However, I missed the part where the loan transfer date was XXXX, not XXXX. I immediately paid Loancare for the XXXX payment when I realized my mistake and showed them proof that I had paid XXXX XXXX by mistake. Loancare refused my request to remove the " late payment '' mark on my credit reports even though I paid XXXX XXXX on-time for the XXXX payment ( by mistake ). This was an honest mistake but I am unable to convince Loancare that I made the payment to the wrong servicer. They just assumed that I was negligent with the late payment, which is not true. They were only my mortgage servicer for 2 months, yet their insistence on leaving the " late payment '' record on my credit reports is causing a huge impact on my credit scores. Please help me reason with Loancare that this was an innocent mistake and they should consider removing the " late payment '' record. Thank you.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

My persistent efforts to rectify the fraudulent, erroneous, and misleading entries on my consumer report have been ineffective. These false records have significantly disrupted my life, causing substantial distress and anxiety. As an identity theft victim, I must emphasize that I never authorized or consented to have this information associated with my name.
Consumer complaint received 2017-01-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (CA)

when i cancelled my XXXX services i returned all the equipment paid over {$200.00} to get out the contract. The person that helped me made it clear my account was at {$0.00} and closed. Months later i get a collection for {$86.00} that i do not owe. I told my friend the story and the exact thing happened to him with XXXX. 
This is not how you treat customers.
Consumer complaint received 2021-01-03
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (NY)

Sallie Mae is demanding {$1700.00} payments, while I am currently unemployed and pending clearance to work for my job at the hospital. I just graduated and have been waiting since this may to gain clearance to wrk at the hospitals, and co-vid has slowed down the new-hire on boarding process due to an increase un numbers around the metropolitan areas. 

I solely support myself, with the help of my single mother and I, support her with all payments for utilities. I just need some time and a bit of flexibility, is all I ask.
Consumer complaint received 2024-07-19
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. (FL)

Dear Sir/Madam, I am writing to formally request the removal of inaccurate information from my credit report related to the account with your institution. I have previously contacted you regarding this matter and have been waiting for over 100 days without any change or validation of the inaccuracies. 

The account in question is listed with the following details : Account Name : XXXX XXXX XXXX Last Reported : XX/XX/XXXX Reported Balance : {$2100.00} Credit Limit : {$2000.00} Status : Closed Worst Payment Status : No Info Remarks : Consumer disputes after resolution, Charged off account, Account closed by credit grantor Violations and Errors : Incorrect Balance Information : The reported balance of {$2100.00} exceeds the credit limit of {$2000.00}, indicating a usage of XXXX XXXX. This discrepancy suggests errors in the reported balance, as no additional fees or interest should have caused the balance to exceed the original limit after account closure. 

Account Closure Date : The account was closed by the credit grantor on XX/XX/XXXX. However, the balance and payment status are inaccurately reported as if the account is still active, with the last payment noted on XX/XX/XXXX. 

Dispute Status : The account is marked with " Consumer disputes after resolution, '' yet the dispute remains unresolved from my perspective. I have contacted your office previously but have not received a satisfactory resolution. 

Payment History : The payment history shows that XXXX XXXX of payments were made on time. However, the detailed history does not align with this percentage and appears inconsistent. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to correct or remove inaccurate, incomplete, or unverifiable information from my credit report within 30 days. Given the extended period of over 100 days without resolution, I request immediate action to remove or correct the inaccuracies related to this account. 

Please be advised that each violation of the FCRA carries a penalty of {$1000.00}. I expect these errors to be corrected immediately to avoid further action. I have already sent copies of my report in multiple accounts that has not been closed out yet. 

Thank you for your attention to this urgent matter. I look forward to your prompt response.
Consumer complaint received 2024-07-19
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)

My name is XXXX XXXX XXXX and my Social Security Number : XXXX, Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block 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 an auto loan at XXXX XXXX XXXX opened XX/XX/XXXX under the account number : XXXX, an auto loan This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned account or hard inquiries as reported. The aforementioned account, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned account, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX as proof from the US Federal Trade Commission that the aforementioned consumer account, and hard inquiries are the result of identity theft and fraud. 

Inquires in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-08-27
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Conn's, Inc. (TX)

I owe Cons {$74.00} on 1 account and on another account i owe {$100.00}. Im 30 days past due and cond told me they have the right to keep contact me until they get there payment. They also send me lots of email [ plus text messages