davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-06
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Paying off the loan
Company: MUTUAL OF OMAHA MORTGAGE, LLC (ME)

In XXXX I took out a Reverse Mortgage with Mutual of Omaha. I have been making payments on it to keep the loan from spiraling out of control.

I am not able to make payments on the principal. All my payments pretty much keep the interest on the loan from going any higher, but the loan has never decreased.

Every month the loan has about {$1500.00} in interest added to it plus the MIP. Nearly every month, I pay {$2000.00} on it. That payment gets applied to the interest, then to the MIP, then ( supposedly ) to the principal. 

For instance, on XX/XX/XXXX, I made a {$2000.00} payment to the loan. 
{$1800.00} was applied to the interest. 
{$110.00}. XXXX was applied to the MIP. 
Nothing was applied to the principal. 

I have been told I will never be able to request any of my payment be applied to principal only. I must pay off all the interest, then the MIP. Only then will payments be applied to the principal. However, as far as I can tell, that will never ever happen because interest is added to the loan every month and the payment I send in is eaten up by the interest that must be paid first. 

I have paid over {$16000.00} on the loan this year. As far as I can tell not XXXX XXXX  was applied to the principal. 

When I ask how much interest there is left on the loan I am told no one knows. They tell me to stop paying on it because it is a Reverse Mortgage. I know what kind of a mortgage it is, but I can't believe the design of this mortgage will keep me from ever being able to pay even a dime on the principal. Is that really what HUD intended? HUD wants the bank to be so protected that the homeowner can never make a dent in the principal when paying down the loan? It all seems unethical. 

I would appreciate any help or wisdom you could offer me. Many thanks.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AR)

I am writing to formally dispute the inaccurate reporting of the XXXX  account ( # XXXX ) on my credit reports with XXXX, Equifax XXXX and XXXX. The discrepancies in reporting between the credit bureaus are significant and require immediate correction or removal of this account from my credit reports. 

Inaccuracies Identified XXXX. High Credit : XXXX : {$670.00} Equifax : {$0.00} XXXX : {$670.00} XXXX. Date Last Active : XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX. Date of Last Payment : XXXX, Equifax, and XXXX : XX/XX/XXXX These discrepancies, particularly concerning the high credit and date last active, indicate inaccuracies in the information being reported by each bureau. 

Violations and Impact The inconsistencies in the reported information violate my rights under the Fair Credit Reporting Act ( FCRA ) and have caused undue harm to my credit profile. Such inaccuracies can negatively impact my credit score and financial standing, potentially leading to denials of credit or other financial difficulties.

Applicable Laws and Regulations 1. 15 USC 1681e ( b ) - Accuracy of Report : Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The discrepancies in reporting violate this standard.

2. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Requires consumer reporting agencies to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information.

3. 15 USC 1681i ( a ) ( 5 ) - Treatment of Inaccurate or Unverifiable Information : Mandates that if disputed information is found to be inaccurate or unverifiable during a reinvestigation, it must be promptly deleted or modified.

4. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) - Responsibilities of Furnishers of Information : Prohibits furnishers from providing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

5. 15 USC 1681s-2 ( b ) - Duties of Furnishers of Information Upon Notice of Dispute : Requires furnishers to investigate, review all relevant information, and report the results to the consumer reporting agencies.
Consumer complaint received 2023-06-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I reviewed my Consumer Reports and noticed that I allegedly had one late payment ( XX/XX/22 ) on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX XXXX XXXX  ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. 
Thanks You
Consumer complaint received 2023-04-25
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)

Errors in Experian data are making it impossible to verify my identity online, on the myeverify portal, part of dhs uscis. myeverify can't tell me what data is mismatched. Experian can tell me, but won't. most of the challenge questions on myeverify do not pertain to data that is on my credit report, and experian does not give me access to that data.

one thing that may be causing a problem is my birthdate, wh
ich experian has as the year only, no day, no month. experian has said twice that it was fixed, but it was not.

one of the experian customer service people hinted that other errors may originate in closed credit accounts. experian has correct data that says the accounts were closed years ago, but they treat them as if they are open for credit report purposes. The problem is that some of those accounts have really really old addresses and phone numbers for me. some of those accounts have been bought and sold to various banks. Experian wants me to contact the closed accounts and have them send updated data to experian. I don't know who even to call about those, and i doubt they would update my address and phone on a closed account anyway.
Consumer complaint received 2024-08-06
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. (AZ)

There was an Equifax Data Breach on XX/XX/year>. Based on there data breach tool, I was found to be one of the accounts effected by the breach and there is illegal info on my credit report. Wrong account info wrong personal info, accounts that don't belong to me etc. I asked Equifax to just clean up my personal information so that I only had one name, my current address, phone number etc on my report and there has been no change. When I spoke to a wo, an on the phone to let her know my fear of identity theft because of the extra personal info on my report she told me she could not delete anything. I have added a letter to the CFPB as an attachment about the accounts that should not be on my report and the only personal information that should be on my report.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correcXXXX XXXX XXXX Balanced : {$540.00}
Consumer complaint received 2024-08-06
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. (NY)

As I was checking my credit report, there's an inquiry in it that I don't recognize which is very alarming, I did not authorize this nor given consent to the company to pull up my credit report, it is stressing me out and making me anxious.
Consumer complaint received 2024-10-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: AMERICAN EXPRESS COMPANY (TX)

On XX/XX/XXXX, two unauthorized transfers totally {$34000.00} were made from my savings account with American Express Bank to an external account at XXXX which was not my account. I discovered that the funds had been transferred the following day and notified American Express Bank that the funds had been transferred without my authorization. They conducted a short and incompetent investigation and later informed me that they couldn't recover the funds even though they had been transferred illegally. In my opinion, American Express Bank is guilty of fraud and negligence with a security system to protect their depositors to be totally worthless.
Consumer complaint received 2024-08-06
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. (FL)

I reviewed my consumer credit file and found a fraudulent hard inquiry from XXXX XXXX on XX/XX/year> on my consumer credit report. I did not apply for a capital credit card, nor did I give anyone authorization. I contacted Equifax XXXX XXXX XXXX and XXXX XXXX to resolve the issue with no success in resolving this fraudulent issue. I am requesting that the Consumer Financial Protection Bureau investigate this matter and have this hard inquiry removed from my credit file. I have placed a fraud alert on my credit file for protection. In addition, I have filed a fraud report with the Federal Trade Commission. This report is attached. Thank you for your assistance in this matter.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-17
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. (FL)

Improper use of my credit report. reporting companies below has used my report improperly under 15 USC 1681. 
XXXX 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 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 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Victim requested Compensation for Payments from Damages incurred by Identity Theft. Trafficker has failed to Comply with Victims Request for Equitable Relief as Required by Applicable Law. 
Victim contends that XXXX  Actions are an attempt to subrogate the rights of Victim.XXXX Bank and XXXX Complaint Pigeon Drop Complaint and Breach of Contract Does credit utilization get reported? No. Your XXXX XXXX is a secured XXXX credit card, so we dont report a credit limit which means that theres no credit utilization attached to your account. Each time you deposit money into your XXXX account, you are setting your own limit on how much you can spend that is independent of a credit limit. We've built the XXXX XXXX this way to help you build a positive credit history. 

AVAILABLE BALANCE {$3600.00} CREDIT LIMIT {$3600.00} XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Victim asserts that upon given an opportunity to cure, XXXX have failed to comply with Victims Assertions. 
Victim contends that Account is in Good Standing and XXXX blocked a Remittance on XX/XX/2023. 
Victim contends the XXXX did not fully Disclose and made material false representations in order to Manipulate Securities in the Name of Victim.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SS : XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX XXXX GA XXXX Subject : Request for Deletion of Collections from Credit Report Pursuant to 15 USC 1681b ( 2 ) and 15 USC 1692 Dear Sir/Madam, I am writing to you regarding the presence of collections accounts on my credit report. Upon reviewing my credit report, I noticed the following collections account : - Account Number : XXXX - Date Reported : XX/XX/year> - Balance Amount : {$740.00} - Client Name : XXXX XXXX XXXX XXXX I am formally requesting the deletion of this collections account from my credit report pursuant to the provisions of 15 USC 1681b ( 2 ) of the Fair Credit Reporting Act ( FCRA ). This section mandates that consumer reporting agencies may only furnish consumer reports under permissible purposes, which include transactions initiated by the consumer, review or collection of an account, and legitimate business needs. Additionally, 15 USC 1681b ( 2 ) stipulates that information may only be disclosed with the consumer 's written consent.

I assert that the reporting of this collections account on my credit report does not serve a permissible purpose as defined by 15 USC 1681b ( 2 ), and I have not provided written consent for such disclosure. There is no current or ongoing legitimate business need for the inclusion of this information, nor does it pertain to any transaction initiated by me or involve the review or collection of an account.

Furthermore, I would like to highlight certain provisions of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692, which regulates the actions of debt collectors. Under this law, debt collectors are prohibited from using unfair or deceptive practices when attempting to collect debts. Reporting inaccurate or outdated information to credit bureaus without proper validation and documentation may constitute a violation of this law.

I kindly request that you conduct a thorough investigation into this matter and delete the collections account from my credit report promptly. I have enclosed copies of relevant documentation supporting my request, including any pertinent information regarding the permissible purpose for the inclusion of this information on my credit report and any violations of the FDCPA.

Please provide written confirmation once the collections account has been removed from my credit report, as required by law. 
Thank you for your attention to this matter. I anticipate a prompt resolution to this dispute. 
Sincerely, XXXX XXXX XXXX SS : XXXX
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-06
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. (CA)

Upon checking of my credit report today, can't help but notice that there's an inquiry in it that I don't recognize which was really concerning it made me extremely anxious. I did not give permission to this company to pull up my credit report. I don't like my rights as a consumer being violated, and it's one of the few things I want to be protected, my life is already stressful as it is.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/year> Care Credit received {$3200.00} payment I accidentally paid to the wrong company online. I called them on XX/XX/year> and spoke with XXXX at XXXXXXXX XXXX. He told me that after their review they would send a check in 7 to 10 business days. 
Today, XX/XX/year> at XXXX I called to check to see if issue had been resolved. Spoke with XXXX. He said for some reason a check had not been issued. I ask to speck with his supervisor, XXXX, she then tells me that no claim was noted. I'm sure that XXXX saw the claim. Anyway, XXXX tells me that I should receive a check in 2 weeks. I tried to explain that I called on the 2nd. and now she telling me I have to wait. We're talking about {$3200.00}. I'm a XXXX XXXX XXXX widow. I couldn't get her to move on the 2 week period. 
My account with then had no balance and had not been used, and in fact, they closed it. 
Whatever help you could do would be greatly appreciated. 
Thank you, XXXX XXXX XXXX
Consumer complaint received 2024-09-09
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. (OH)

Im not liable for this debt Creditor : XXXX XXXX XXXX XXXXXXXX I don't have a contract with this agency.They didn't provide me with original contract as requested nor my signature The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX # XXXX, has violated my rights. 

I looked at my Experian, XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (FL)

They have BEEN RETAILITORY TO MY WRITTEN REQUEST FOR HONEST SERVICES after being harmed by ALLY SERVICING LLC pattern of making fraudulent claims against a victim of trafficking. Their records show they collected monies through U.S. mail and agreed to the terms but then committed honest service fraud, 18 U.S. Code 1346 in XX/XX/XXXX when they sent emails claiming they reject their own agreement. They have benefited in the inaccuracy of their reporting against a victim of XXXX, XXXX XXXX XXXX ( XXXX & XXXX ). They intentionally lied to the CFPB in further attempt to collect wrong amount and harm me with false reports to the credit bureau since XX/XX/XXXX and been on this scheme ever since. They violated FDCPA back in XXXX XXXX and I am requesting 15 U.S.C. 1692g and they cease immediately. They failed to correct the account in a timely matter back in XX/XX/XXXX after the first filing about the missing allocations and their false claims on the account. They further harmed me making false derogatory claims to my credit account on and around XXXX XXXX and the commands of federal law.