davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-19
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC (IL)

I am a senior that has come across a lot of fraud and it has left me in an horrible situation. After the passing of my husband,  XXXX / XXXX / XXXX , I started to look for ways for ways to lower my mortgage. I was listening to the inspirational radio station and heard that the  XXXX   XXXX   XXXX  could help me lower my mortgage payments. The Law office of  XXXX   XXXX  charged me {$3400.00} advised me to fall behind on my mortgage payments to get a principle reduction because my husband passed.   I was denied assistance because my income was listed way too high on my forms that I never received a copy of. I then went to  XXXX  of  XXXX  and was assisted with correcting my income on an appeal that I won.    Ditech offered me a HAMP modification and I took this agreement over the Hardest Hit Funds because of the lower interest rate they were offering i n the trial plan. When I revcieved my permanent modifcation documents, I saw the very unfair terms. They started my prinicple balance back to when I first purchased it and extended my loan out to 33 years when I originally only had 8 years left. I also have a {$41000.00} balloon payment. The modification documents did not provide a separate disclosure for the balloon payment, I did not even know it was there until a hous ing counselor told me about it for the complaint. The permanent documents   did not require a notary and I put a (? ) after my signature because I was not sure what I was signing.   I called Consumer Affairs as the paperwork stated and was referred to  XXXX   XXXX   XXXX   XXXX   XXXX .  XXXX   XXXX   XXXX   XXXX  IL  XXXX . I told Consumer Affairs I was already working with   XXXX   XXXX   but they insisted I use   XXXX   XXXX   instead. I initially met with Pastor  XXXX  and he assured me that he can negotiate the terms of my modification and explained that I HAD to sign the permanent modification. I never heard from him again. I complained to the church and a  XXXX   XXXX  explained that it was my responsibilty to make sur e Ditech had their authorization. I called Ditech and they did have the authorization to speak with them on  file. I then never heard from  XXXX   XXXX  again.   I am senior that purchased my home with my husband for {$95000.00} in  XXXX . I can not believe that Ditech has prosed this modification that will end with my family being in foreclosure. I have reached out for help numerous times, but have just been taken advantage of and provided with false information. Before I seeked help, I was never late with a payment for 23 years straight. I know that I refinanced with a predatory lender  XXXX . I was then transferred from  XXXX   XXXX   XXXX  and now  XXXX . I could not afford a lawyer to help me with these documents and I feel like I am losing my house with all my years of hardwork.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

Requesting for all 3 Credit Agencies to update my Personal Information. It appears that as of 30 days ago my legal name XXXX XXXX is not listed on my credit report. As if an unauthorized individual hired a 3rd credit agency to update my personal information without my consent. I do not work with any 3rd party credit agency to resolve any credit issues. I personally work on my own credit disputes. It appears that someone has access to my personal information and tampered with my credit and personal information. I need my credit report to reflect my legal last name since I am still currently married and have not changed my legal name. It remains as is XXXX XXXX. All other AKA are listed such as XXXX XXXX. The credit agencies received numerous disputes to resolve this issue. The credit report must be accurate to cross reference marital legsl name and birth name. Please notify all 3 credit agencies to update and resolve the names that are listed which the credit report should reflect XXXX XXXX, XXXX XXXX and last but not least which is the current legal name XXXX XXXX. Thank you
Consumer complaint received 2024-11-04
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: BARCLAYS BANK DELAWARE (MD)

2 accounts I don't recognize 1. ) XXXX XXXX XX/XX/2024, 2. ) Barclay 's XX/XX/24..

Also XXXX promises that a soft pull is ran for their product but still pulled a hard pull on my credit file which is illegal.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I would like to dispute inaccurate and harmful information on my credit report that is negatively impacting my XXXX score. 
Below are the details of the accounts in question XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-05-19
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (TX)

Our mortgage holder, Ditech, conducted an incorrect escrow analysis on  XXXX   XXXX ,   XXXX   indicating a deficiency, so we contacted them by phone on  XXXX   XXXX ,   XXXX   to discus the matter. After speaking to several incompetent people, we were finally told to fax the   XXXX   Notice of  Appraised Value indicating our homestead and DV4 tax  exemptions. We were given the following fax number :  XXXX  and have a copy of the fax transmission report with the detail, however we were given no response that they received the document.     So two days later,  XXXX   XXXX ,   XXXX  , we sent a message through the  Ditech Message Center and wr ote the following : " I recently faxed in my   XXXX   Notice of Appraised Value with exemptions DV4 and HS notated. Just following up to make sure that you received this document, as I did not receive an email stating that your received it. How will these exemptions impact my monthly mortgage payment? Please send me a message detailing any changes. '' To no avail we still did not receive a response. Instead we received a notification that another escrow analysis would be performed. The new escrow analysis conducted on  XXXX   XXXX ,   XXXX   is identical to the analysis performed in  XXXX  and is incorrect as well. Their analysis indicates a deficiency of {$2700.00} with an  incorrect county tax  amount and an incorrect hazard insurance amount.     Although they have the corr  ect hazard insurance amount ( {$2300.00} ) listed on our escrow activity page, the wrong amount ( {$2300.00} ) is listed on the escrow analysis.
In regard to the county tax, t  hey have the wrong amount  XXXX  {$8700.00}  XXXX  listed on our escrow activity page as well as on the escrow analysis.     Our   XXXX   Notice  of Appraised Value clearly states that the county t ax for   XXXX   is {$6900.00}. Our current escrow balance for  XXXX   XXXX ,   XXXX   is {$4000.00}. Even if our escrow payments stayed the same, we would still have overage.
Consumer complaint received 2024-10-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

XX/XX/year> : Upon returning to the XXXX, Plaintiff visited Citibanks branch at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, on XX/XX/year>. During this visit, it was discovered that his account had been compromised, resulting in the theft of {$110000.00}. 

XX/XX/year> : Plaintiff received a denial letter from Citibank, dated XX/XX/year>, stating that the claim was rejected due to a " 30-day notification delay. '' Plaintiff contends that he notified Citibank promptly upon discovery of the fraud. 

Citibank allowed fraudulent check transactions, enabling financial theft and violating federal statutes against bank fraud Citibank failed its duty of care, leading to a loss of {$110000.00} in Plaintiffs account. 
1. XX/XX/year> : Plaintiffs savings account balance : {$100000.00} ; checking account balance : {$9800.00}. 
2. XX/XX/year> : Unauthorized cash withdrawal of {$10000.00}. 
3. XX/XX/XXXX - XX/XX/year> : Frequent fraudulent deposits, withdrawals, and purchases drained the account. 
4. Citibank did not freeze or investigate the account, allowing fraudulent withdrawals to continue. 

Citibanks negligence, failure to notify Plaintiff, and its violations of multiple federal and state banking laws resulted in significant financial losses. Plaintiff asserts that all transactions marked outside the red-lined entries from XX/XX/XXXX to XX/XX/year> ( prior to Plaintiff 's return from XXXX ) were fraudulent, and Citibank failed to meet its duty of care. Plaintiff has never lost any checks or ID documents, yet Citibank allowed unauthorized withdrawals. Plaintiff was denied adequate compensation due to Citibanks unjustified reliance on a 30-day reporting policy Plaintiff respectfully requests : 1. Order Defendants to compensate Plaintiff for all financial losses ; 2. Compensate Plaintiff for damages due to Citibanks gross negligence ; 3. Conduct a thorough investigation into Citibanks practices ; 4. Grant further relief as the Court deems appropriate.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (NC)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-01
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (WA)

On XXXX, XXXX, XXXX  Experian sent my credit report sent to an individual without my consent or knowledge. This has needlessly exposed my wife and myself to possible identity fraud or theft, and has created a great deal of stress for us. My credit report was sent to XXXX XXXX XXXX XXXX XXXX XXXX, WA ) under his dispute results report # XXXX. If not for this person notifying my wife about the incident we would have never known that Experian sent my credit report to anyone without my authorization. 

I have filed a complaint with Experian about this breach of trust but we have not received any response to date. I have asked Experian the following : XXXX. How does something like this happen? Do you not have any internal controls to prevent this? 
XXXX. Do you not use second-checking processes to ensure only the correct financial/credit data is sent to the correct person? 
XXXX. What is Experian going to do to ensure this does not happen again? 
XXXX. What is Experian going to do to mitigate the identity fraud exposure risk that you have created for myself and my wife? 

We are filing this complaint to express how incredibly displeased we are with Experian over this incident. We have also filed a complaint with the Washington State Attorney General. 

XXXX XXXX XXXX XXXX, WA XXXX
Consumer complaint received 2024-08-27
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. (WI)

In Accordance with the FAIR reporting Credit Act, The List of accounts below have violated my FEDERALLY PROTECTED CONSUMER Rights, To privacy and confidentiality under 15 USC 1681 ACCOUNT NAME : ( XXXX XXXX XXXX XXXX ACCOUNT # XXXX Account NAME : ( Security Finance Account # XXXX Account NAME : ( XXXX XXXX XXXX ACCOUNT # XXXX ALSO 15 USC 1681 section 602 A states I have the right to privacy Also 15 USC 1681/1681 section 604 A/section 2..States also a consumer reporting agency can not furnish a account without my instructions..

Also 15 USC 1681 CA5 section states no consumer report agency make any consumer report containing any of the following items of information other then records of Conviction of crimes which in to date report more than 5 to 7 years..

Also 15 USC 1681 S2A1 a person may not furnish any information related to any consumer reporting agency if the person knows or have any reason or cause to believe that the information is in accurate ( Delete IMMEDIATELY ) Sincerely XXXX XXXX P.S MY MOTHER JUST PASSED AWAY... 
IM ON A FIRST TIME Home BUYER PROGRAM, I HAVE XXXX GRANDKIDS, MY LIFE IS ON HOLD..
Consumer complaint received 2024-08-27
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. (LA)

Account : XXXX XXXX XXXX Pursuant to 18, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 US 1681b 2, company also has NO permission to report ANYTHING using my info pursuant to 15USC1681 4
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am filing a complaint against TransUnion due to their improper handling of an inaccurate account related to XXXX XXXX. Previously, TransUnion deleted this inaccurate account from my credit report and provided me with written verification of the deletion. However, without any prior notice, they subsequently reinserted the inaccurate account on my report, which is a clear violation of the Fair Credit Reporting Act ( FCRA ). 

Specifically, TransUnion has violated FCRA Section 611 ( a ) ( 5 ) ( B ), which requires that if a credit bureau reinserts previously deleted information, they must notify the consumer within five business days of the reinsertion. In this case, I received no such notification.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (AR)

On XX/XX/year> m I recently reviewed my consumer credit reports, and noticed this company LVNV # XXXX, is listed as original creditor. When another one of my credit profiles listed them to be the " buyer of debt '' to this account, as well as another company being listed the " original creditor '' under this same account number. How can two companies be the " original creditor ''? they cant! and this is being reported inaccurately on my consumer profile and is a violation of my consumer rights under the FAIR CREDIT ACT that I have the right to my credit file being reported fairly and accurately. I called LVNV, gave them my first and last name and my telephone number and proceeded to request the original purchase agreement and or contract with my wet signature with the account number provided to them from my consumer report so that I could properly verify this account. They proceeded to request other personal information from me over the phone. Being they are listed on my credit profile as " original creditor '' and " buyer of debt '' I feel this is or was an attempt to commit fraud by this company being they could not verify who they were to me and stated that this was an attempt to collect a debt. Under 15 USC 6802 I was not notified by this alleged company listed nor made aware in any way that this account would be reported to the Credit Bureaus nor was I given any opportunity to OPT out of said account being reported on my consumer report. I have no recollection of such account. Being that they refused to verify this account with me ( this is breaking the law ) under The Fair Reporting Credit Act ( FRCT ) Also under 15 USC 1681b, specifically addresses the permissible purposes for which consumer credit reports can be accessed and used by third parties. Under 15 USC 1681b, credit reporting agencies are only allowed to furnish consumer credit reports as defined by the ( FCRA ) which means, the credit agencies must have written instruction by me " the consumer '' that I am allowing you or your company put this on my consumer report. I've never sent any letter of consent to any of these agencies, if so they need to verify such letter otherwise please remove this account from my consumer report immediately.
Consumer complaint received 2024-10-25
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Shepherd Outsourcing, LLC (OR)

I received texts from a company claiming to be Shepherd Outsourcing and that they were representing XXXX XXXX XXXX XXXX as a debt collector for a XXXX account. I deleted the first text thinking it was junk as I don't currently have a personal account, nor have I ever had XXXX, with XXXX. Yesterday I was sent another text from them and also received an email from XXXX XXXX  saying there was a hit to my XXXX XXXX due to a claim from XXXX XXXX XXXX XXXX. Normally I would have continued to ignore requests, but seeing that it was on my credit report I called the number that was texted to me for XXXX XXXX. 

Today ( XX/XX/XXXX ) XXXX XXXX informed me that there was a balance of {$530.00} due for an account that was opened on XX/XX/XXXX and closed on XX/XX/XXXX attached to a phone number with the last XXXX digits XXXX and also connected to an email address of XXXX. This was not an account I ever opened, a number I ever had, nor an email address I ever was connected to. Sounded like a stolen identity case, so I let them know I was going to call XXXX to try and find out more. They offered for me to pay half of the original amount at that moment to close the claim entirely. I passed on the offer and let them know I'd like to speak with XXXX first. 

When I called XXXX, they couldn't seem to find any information or accounts with my name and info with the last XXXX digits of XXXX or the XXXX account. They asked that I reach back out to the " collection agency '' to obtain more information about the account they were requesting the balance for. 

I tried to call XXXX XXXX back ( this was about XXXX minutes after the initial call with them ) and there was no answer saying their office was closed, but that normal business hours were until XXXX XXXX time. It was XXXX XXXX  which would have been XXXX XXXX. 

I believe this to be a false claim made with only small bits of my personal information that they have access to. I did not give them any personal information, but did verify information such as address and last XXXX of XXXX when they recited them to me.
Consumer complaint received 2024-10-29
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. (GA)

Dear CFPB Representative, I am writing to dispute the recent verification regarding an account listed under XXXX XXXX XXXX. My initial request for validation was not fulfilled, as only a verification was provided without any supporting documentation to confirm this debt is legitimately mine. Since I am a XXXX, and to avoid potential confusion or misattribution, I demand complete validation in compliance with the Fair Credit Reporting Act ( FCRA ). 

Below are the details of the disputed account : Account Information : XXXX XXXX XXXX Account Number : XXXX ( Experian, XXXX XXXX Account Status : Collection/Charge-off Date Opened : XX/XX/XXXX Balance : {$650.00} High Credit : {$650.00} Payment Status : Collection/Charge-off ( 120 Days Late ) Last Reported : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ) Comments : Account disputed by consumer reported by subscriber. 
Account seriously past due/assigned to attorney, collection agency, or internal collection. 
Consumer disputes this account information. 
Requested Validation : I request the following documentation : A copy of the original contract or agreement that establishes my obligation to this debt. 
Documentation that proves XXXX XXXX XXXX has the legal right to collect on this account. 
A detailed payment history, including evidence of the last payment made. 
If you or the creditor can not produce this information, I expect this account to be immediately removed from my credit reports. Furthermore, I demand all collections activity cease until proper validation is provided. 

Personal Information : Name : XXXX XXXX XXXX XXXX. 
Date of Birth : XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX, GA XXXX Failure to respond adequately within 30 days will result in further action, including filing additional disputes and complaints. I look forward to your prompt resolution of this matter. 

Sincerely, XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :