davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: NATIONS DIRECT MORTGAGE, LLC (CA)

On XX/XX/XXXX we approved for a 3 month forbearance plan with our original mortgage servicer Nation 's Direct Mortgage. That servicer sold/transferred our servicing to XXXX Mortgage XXXX XX/XX/XXXX, before our 3 month period had lapsed. Immediately our XXXX XXXX was tarnished, albeit a stipulation of the forbearance was that it would not affect our credit score. XXXX ignored this and continues to report our account as delinquent during forbearance, with reckless regard for our credit. 

We extended our forbearance plan through XXXX, but have not out any subsequent paperwork with XXXX. From what I know to be fact regarding contract law, XXXX can not ignore the agreement and obligations set forth by Nation 's Direct Mortgage. 

This is the second time our score has been tarnished because of XXXX. With rates falling, we would like to refinance but am likely unable to do so. 

Below is a brief timeline of events : Friday XX/XX/XXXX XXXX check in call Sat XX/XX/XXXX Incoming XXXX  Call ( scheduled at XXXX? ) Fri XX/XX/XXXX XXXX XXXX Tue XX/XX/XXXX XXXX XXXX Mon XX/XX/XXXX XXXX  Call Thu XX/XX/XXXX Incoming XXXX Call ( appointment regarding submitted application ) Fri XX/XX/XXXX Submitted Mortgage Assistance Application to XXXX Mon XX/XX/XXXX XXXX XXXX Tue XX/XX/XXXX Credit bureaus updated Wed XX/XX/XXXX XXXX XXXX Tue XX/XX/XXXX Nations Direct account reported delinquent to credit bureaus Mon XX/XX/XXXXXXXX XXXX  Call Thu XX/XX/XXXX XXXX becomes new loan servicer Mon XX/XX/XXXX - Beginning of Unemployment Forbearance ( until XX/XX/XXXX ) Thu XX/XX/XXXX Loss Mitigation Application submitted to Nations Direct Mortgage
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: Experian Information Solutions Inc. (KS)

XXXX and Experian and XXXX are consumer reporting agencies and I'm the consumer. I have rights to make sure my private info isn't shared.15 USC 6801 to respect privacy of it cu customers and to protect the security and confidentiality to those customers. XXXX and according to the fair credit reporting act 15 USC 1681 section 602 a state there is a need to ensure that the customers reporting agencies exercise their responsibilities with fairness and respect for their customers and the right to privacy. The l furnisher of information to credit agencies the financial institution and the Consumer Reporter and agencies XXXX Experian and XXXX do not have my consent to furnish this information and they surely do not have my written consent. XXXX and experience are not maintaining responsibilities procedures also 12 CFR section 1016.7 states that a consumer may exercise the right to opt out at any time! I am opting out of your reporting services!
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: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX is reporting my personal financial information to the credit agenciesExperian, XXXX, and XXXXwithout my written consent for XXXX accounts ( accounts starting and ending in XXXX & XXXX. Effective immediately, they need to cease submitting this information, as it constitutes a violation of the Fair Credit Reporting Act ( FCRA ). 

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Experian, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX, the financial institution and the Consumer reporting agencies Experian, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Experian, XXXX, XXXX, and XXXX XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that, 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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. '' These accounts are an adverse item XXXX XXXX is reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of their reporting services.
Consumer complaint received 2024-08-27
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)

I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. 
I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-08-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear, MIDLAND CREDIT MANAGEMEN I hereby dispute the validity of the alleged debt listed below Entirely. I also request verification of the alleged debt, specifically, a copy of the ORIGINAL PURCHASE AGREEMENT. Agreement must be with the original creditor and signed by all parties involved. I'm requesting this * because I have had different companies reach out to me about the same alleged debt. ACCOUNT NAME : MIDLAND CREDIT MANAGEMENT Account XXXX I am requesting immediate deletion of all prior reporting made to my consumer reporting agencies, XXXX, XXXX, XXXX and XXXX is, you must cease collection efforts until this alleged debt is validated.you must show proof that you legally own this alleged debt and that it is accurate and complete SINCERELY
Consumer complaint received 2024-08-27
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. (NJ)

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 XXXX personal loans XXXX from XXXX XXXX with a total balance of {$350.00} opened on XX/XX/year> under the account number XXXX, and the other XXXX  with a total balance of {$530.00} under the account number XXXX on XXXX and XXXX Insurance loan from progressive with a Total balance of {$760.00} under the account number XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Consumer complaint received 2024-08-27
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. (MA)

Delete late payments I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual.

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information LATE PAYMENTS DATES AND ACCOUNT NUMBER Account Name : XXXX XXXXXXXX Account Number : XXXX Account Type : Credit Card Responsibility : Individual Date Opened : XX/XX/XXXX Status : Paid, Closed. 
Status Updated : XXXX XXXX Balance : - Balance Updated : - Recent Payment : - Monthly Payment : - Credit Limit : {$500.00} Highest Balance : {$800.00} Late Payment Date : XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX REMOVE LATE PAYMENTS OR DELETE THE ACCOUNT, NOT MORE UPDATES.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Onity Group Inc. (CA)

On XX/XX/XXXX we approved for a 3 month forbearance plan with our original mortgage servicer XXXX XXXX XXXX XXXX. That servicer sold/transferred our servicing to PHH Mortgage XXXX XX/XX/XXXX, before our 3 month period had lapsed. Immediately our credit score was tarnished, albeit a stipulation of the forbearance was that it would not affect our credit score. PHH ignored this and continues to report our account as delinquent during forbearance, with reckless regard for our credit. 

We extended our forbearance plan through PHH, but have not out any subsequent paperwork with PHH. From what I know to be fact regarding contract law, PHH can not ignore the agreement and obligations set forth by XXXX XXXX XXXX XXXX 

This is the second time our score has been tarnished because of PHH. With rates falling, we would like to refinance but am likely unable to do so. 

Below is a brief timeline of events : Friday XX/XX/XXXX PHH check in call Sat XX/XX/XXXX Incoming PHH Call ( scheduled at XXXX? ) Fri XX/XX/XXXX PHH Call Tue XX/XX/XXXX PHH Call Mon XX/XX/XXXX PPH Call Thu XX/XX/XXXX Incoming PPH Call ( appointment regarding submitted application ) Fri XX/XX/XXXX Submitted Mortgage Assistance Application to PHH Mon XX/XX/XXXX XXXX XXXX Tue XX/XX/XXXX Credit bureaus updated Wed XX/XX/XXXX XXXX XXXX Tue XX/XX/XXXX XXXX XXXX account reported delinquent to credit bureaus Mon XX/XX/XXXX PPH Call Thu XX/XX/XXXX PHH becomes new loan servicer Mon XX/XX/XXXX - Beginning of Unemployment Forbearance ( until XX/XX/XXXX ) Thu XX/XX/XXXX Loss Mitigation Application submitted to XXXX XXXX XXXX
Consumer complaint received 2024-09-24
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. (TX)

I have previously submitted complaints regarding inaccurate items on my credit report, yet no corrective action has been taken. I am once again requesting the removal of all negative and erroneous items from my report. 

If this matter is not addressed promptly, I will have no choice but to pursue legal action and seek compensation for the violations under applicable credit reporting laws.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MI)

Violation 607.Compliance procedures [ 15 U.S.C. 1681el ] B ) Accuracy of report. Multiple repeating unauthorized inquiries that have failed to have been resolved. I NEVER GAVE PERMISSION FOR INQUIRES FROM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. These inquiries are being ran without my consent ever few months and have not been removed from my account when asked
Consumer complaint received 2024-07-07
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. (CA)

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.

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 2024-10-07
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. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX  XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX  XXXX - Account Number : XXXX Account Name : XXXX 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 - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX - Account Number : XXXX Account XXXX : XXXX XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Account Name : XXXX  XXXX - Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I sincerely urge you to expunge this entry from my credit report as it is not linked to me and is clearly fraudulent. I kindly request a thorough investigation and prompt correction of this inaccuracy in my credit history.
Consumer complaint received 2024-08-27
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: Experian Information Solutions Inc. (TX)

These unfamiliar credit inquiries on my credit report are really concerning. I didn't authorized or consented to these companies in accessing my information, I'm trying to understand how and why this happened and it's causing me a lot of stress and anxiety.
Consumer complaint received 2023-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (SC)

On XX/XX/2023, I attempted to use the XXXX XXXX XXXX XXXX XXXX XXXX XXXX., to obtain {$60.00}, using my Chime Checking Debit Card. I went through the screen process of selecting which account I wanted the money from and how much money I wanted. After that my card was returned card and I immediately got a notification on my phone from Chime that {$63.00} had been deducted from my account but then a message came up on the screen that no cash was available. I immediately take my cell phone out take a picture and try and wait to see if anything else will happen and nothing does, so I drive off. I was going to call XXXX XXXX on XX/XX/XXXX later on that morning but saw that the transaction was pending. I decided to wait thinking, just maybe the money would be reversed once they realized the error when they went to put money in the machine, etc. XX/XX/, the {$63.00} was posted to my account ( along with {$2.00} Chime atm fee ). So I called XXXX XXXX and they told me to go to the local branch. I went to the local branch where the drive-through is located and was informed by employee XXXX XXXX that they do not service the drive through atm and she gave me a card with a number to call. She also informed me that in the near future, it is best to use the walk-up ATM, so if that happens, I can easily have my money returned. When I called the number provided I was informed that they could not help me because I do have a XXXX XXXX account and that I would have to go through Chime. I have file a dispute with Chime on XX/XX/ only to be told on XX/XX/ that it was denied and they have provided me with no single proof or evidence that have been in contact with XXXX XXXX. My case has been so called been reopened, but I know this is all talk, because when the representative told me if I had anything else to upload to help my case, I told her how can I do this, if within the app it still says CLOSED. She was like, it's still open if you call, and I would have to call and they would have to send a link so I can upload proof, which sounds like more no sense. I even spoke with Chime Dispute supervisors on a couple of occasions, if you truly talked to XXXX XXXX, all you had to do was ask for a picture of me receiving cash like they so-called claim ( which they will not be able to ). It's that simple, the atms has cameras for a purpose. I have filed disputes in the past with Chime and luckily for me, going through the merchant was the ONLY WAY I GOT MY MONEY BACK. In this case, I can not go through XXXX XXXX because they are telling me to go through Chime and Chime is DOING NOTHING!!!
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next XXXX days. Enclosed are the pertinent documents for your thorough review and reference.