davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

PERSONAL INFORMATION UPDATE LETTER XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : Social Security Number : XXXX To Whom It May Concern : This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX ) XXXX. Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons.

Delete all information in the employer section.

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. My contact information is as follows : Name : XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX Enclosed : copy of State ID and Utility bill showing proof of address
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID, Proof of Address with my most recent bill and SSN Card.
Consumer complaint received 2024-09-29
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. (FL)

Account Name XXXX  Account Number XXXX Account Name XXXX XXXX Account Number XXXX RE : Inaccurate Credit Reporting ( 15 USC 1681s2 ) To whom it may concern, I am writing this letter to inform you that I have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information. The following account ( List name and number of account ) is reporting a balance of ( enter balance amount ) when it is my understanding an reason to believe that because this debt was charged off by you that is was memorialized with a Form 1099C as proof or evidence thereof. And that because of that fact, this debt is cancelled and at least should not reflect the balance that is currently showing of ( enter balance amount ) on my consumer file. This would indicate inaccurate reporting on your behalf and therefore is a violation of the FCRA by you the furnisher to continue to report this inaccurate information. Especially with the actual knowledge, notice and confirmation of the errors. Please provide me with the return of the time and form as prescribed by regulation or the Secretary of my name, my address, my XXXX, the date, and amount of the discharged/charged off debt and any other information as prescribed by the Secretary. If not, then I would demand that the account be removed from my credit report completely to avoid any legal recourse or action on behalf of myself by retained counsel. Thank you for your time and consideration in this matter. I look forward to hearing a favorable reply. Please forward any correspondence or changes to my credit report to the address listed above. Regards,
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.00}
Consumer complaint received 2017-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

Ca pital One cl aims I owe a balance of around  XXXX  on account ending in  XXXX , now closed and charged off. The credit limit is or was  XXXX , roughly  XXXX  or more is highly questionable as it brings the balance well over limit. Most of the balance consists of late/over limit fees as well as some fraud charges. I 've attempted to make payment arrangements in the past, before account was charged off. However, the rep  ( s ) I chat ted with would not cooperate, a separate complaint was made in re which was not resolved. Most recently, I attempted to make payment arrangements/discuss a possible settlement amount, however, the dept I call likes to record calls in which case I will not be recorded. They claim the reason for recording calls is to assure quality/training purposes, which is a lie as the dept I call is recovery and they use the recording so to go after the customer in case payments are not met. I 've called the  executive offic e several times, I 've never been advised the call is recorded until I reach recovery dept, proving they only record in case the customer does not meet any agreed upon payment arrangements. Either way, I will not be recorded. A rep I spoke with on around  XXXX , before reaching recovery dept stated they do not accept settlements, which is a shame as again, there are late/over limit fees as well as fraud charges on the account. A settlement agreement would resolve any and all disputed charges such as previously mentioned. Please advis e Capital One tha t first off, I will not speak on any recorded line and second, they need to be willing to accept a settlement amount if they wish to see any payment at all. A letter was received from a  XXXX  in recovery earlier this week, legal action was mentioned such as sending account to an attorney here in Connecticut. Please also advise  Capital One that my private attorney has been notified of the matter as well as fraud charges on account, in case any legal action is taken on behalf of Capital One
Consumer complaint received 2017-05-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CO)

Hello, I consolidated my  XXXX  federal graduate school loans on  XXXX / XXXX / XXXX  into the only loan consolidation program offered at the time. I am now learning that after 11 years of working for the  XXXX   XXXX  Attorney as a lawyer ( a job that would otherwise qualify ), because I did n't consolidate into a type of loan that did n't even exist at the time (   XXXX   XXXX   ), my  XXXX  separate, on time payments as of  XXXX   XXXX  will not qualify for the public service loan forgiveness. This seems bonkers. Certainly that can not be the intent behin d Congress creat ing this program with much fanfare a decade ago.     My servicer is  XXXX . I think my loans should be forgiven in exchange of the years of hard work I have been doing as was promised ten years ago.     Thank you,  XXXX
Consumer complaint received 2024-10-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc. (TX)

I tried to make a payment to your merchant yesterday, XX/XX/2024 it was declined. It didnt go through. Try it again contacting customer support from Cash App. They said they exhaust activity and then inform them. Theres no suspicious activity on there. I gave him the amount of the transaction. I told him thats not suspicious. That was mine. I tried to do that they gave me no other information that the suspicious activity will be back to 24-48 hours. didnt ask him about withdrawing my money from that account over to my external account they didnt even respond to that yesterday. They close my debit card without my authorization linked to that account so I have no access to that. Its taken off my account 24 my money to my external account, he said unfortunately you have to wait a lot of amount of information I can give to you if anything else can help you outside the situation.
Consumer complaint received 2024-10-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (CA)

On XXXX  I received automated emails from a banking company called chime that my new account was open. This account opening is fraudulent and was not done or concented in any way by me. The next day XXXX I received another email from this company saying my virtual debit card is ready and a new debit card is on its way to an old non current address. I called the company 's fraud department to get the account close with only provided my email address that they already have, and the address that they are sending a card to. They would not close the account. I researched scams with this company and these fraudulent account openings happens very frequently with chime and another company called XXXX. I need help getting my fraudulent account closed with chime and any future account attempt blocked permanently with any of my information without me giving any of my personal information to them. Due to the frequency of identity theft scams with this company I would also like to see them held lawfully accountable for thier lack of identity verification process that is leading to the company obtaining fraudulent funds in many accounts. I can forward the automated emails on request and provide phone records showing no contact with the company until after the new debit card email was received.
Consumer complaint received 2024-09-28
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: EQUIFAX, INC. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  VA XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Against Equifax for Identity Theft Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Equifax regarding the wrong name in their records. My legal names are XXXX XXXX. XXXX and XXXX XXXX XXXX ; however, Equifax has been using a name that I do not use on official documents. 

I have previously filed disputes with XXXX and XXXX, and I did not encounter any issues with either of these credit reporting agencies. Both have my name correctly listed as it appears on my driver 's license, which I will attach once again for your review. 

I believe that Equifax has violated my rights under identity theft laws. Identity theft occurs when someone uses personal or financial information without permission, and in this case, my name has been misrepresented in Equifax 's records. 

I am requesting your assistance in correcting this matter for the fifth time. I appreciate your attention to this serious issue and look forward to your prompt response. 

Thank you for your help. 

Sincerely,
Consumer complaint received 2017-05-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (AK)

Simply put, we were " OCWENed ''.   OCWEN told us not to make payments while we were going through their in-house modification program. AFTER we applied, we were notified that OCWEN does not modify second mortgages. But you know what OCWEN does do, they will foreclose on a second mortgage, which is exactly what they did.
My bride and I were out of the country when OCWEN se  nt us certified letters, notifying us the foreclosure they were pursuing. We never received those letters because how long they were in o ur PO Box , co nsequently those letters were returned ( which is on record ). But we did receive an eviction notice in   XXXX  , afte r O   CWEN was actually successful with foreclosing on our home.
Wrapped up lawyers expenses, destroyed credit, and unable to get a credit card or refinance our first mortgage, OCWEN is slowly financially killing us.
Consumer complaint received 2024-08-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This morning, I discovered unauthorized inquiries on my credit report, and I can't understand why they're there. When I checked my report as usual, I was shocked to find these discrepancies. I even tried refreshing the page, hoping it was just a glitch, but the inquiries remained. I'm deeply troubled by this and request that the documents I've provided be thoroughly reviewed to prevent this from happening again.
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: EQUIFAX, INC. (NY)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-09-28
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX 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 and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (MD)

I have requested now FOUR times to explain what a {$340.00} payment is that is coming from my account each month. It is isted as " XXXX XXXX XXXX ''. My homeowner 's insurance policy was paid XXXX XXXX on XX/XX/XXXX in the amount of {$2300.00}, so it's not my homeowners. Additionally, I've spoken with my homeowner insurance agent, and this is not something they are receiving, and they have no idea what this would even be. It should not be a PMI payment as our XXXX is well over XXXXXXXX XXXX. The only other payment from my escrow account should be property taxes which are paid XXXX, and this is. not for taxes. They were paid ( XXXX ) on XX/XX/XXXX, and will be paid again in XXXX. This " mystery payment '' started being paid in XXXX, when they began servicing our account instead of hte prior servicer, SLS. They have now paid - to someone, we have no idea who - a total of five payments in the amount of {$1700.00}. I have repeatedly requested information from them about WHAT this is, WHO they are paying and WHY this only began when they started servicing myu loan. Additionally, I requested a full refund ( not to my escrow, but directly to me ) for the overpayment, as well as an adjustment to the escrow payment, if needed. I keep getting their canned response : " we're working on this request and will get back with you ''. I started contacting them in late XXXX when I discovered this error, and I'm tired of waiting as I've made two payments since then, and am due to make a third. I'm hoping you can assist. 
( Attached a photo showing all payments highlighted in yellow )
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MD)

Once again, Experian failed to conduct a legitimate reinvestigation, as mandated by 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), which requires credit reporting agencies to carry out a " reasonable reinvestigation '' when a consumer disputes the accuracy of information. 

Despite this requirement, Experian has retained erroneous and incomplete information on my report. Additionally, under Section 1681s-2 ( a ) of the FCRA, credit reporting agencies have a Duty to Provide Accurate Information, which I believe has not been upheld in this case. 

I have included a detailed letter listing the incorrect items on my Experian credit report. Also, to prove my identity, I have attached my driver 's license and a recent utility bill.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-11-01
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. (UT)

XX/XX/year> Subject : Formal Complaint Against Experian for Failure to Correct Inaccurate Late Payment Reporting. 
To Whom It May Concern : I am filing a formal complaint against Experian for failing to correct inaccurate information regarding late payments reported on my credit report for account XXXX XXXX XXXX, account number XXXX. Despite multiple requests for correction ( letters dated XX/XX/year> ), my requests have been ignored. This lack of response constitutes a violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ).

FCRA Violations : Under 15 U.S. Code 1681i, credit reporting agencies are required to ensure the accuracy of information in consumer files. The continued reporting of incorrect late payments on my account is a breach of this legal obligation. Furthermore, according to 15 U.S. Code 1666b, creditors are mandated to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on this account suggests a failure to comply with this requirement. 
TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The persistent misreporting of late payments on my account has caused undue harm to my creditworthiness, a direct consequence of TILA 's protective intention.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act highlights the responsibility of creditors to provide timely statements, thus preventing unfair penalties to consumers. The inaccurate late payment reporting on this account violates this consumer protection, impacting my financial standing unjustly.

Payment History and Errors Experian similarly maintains the incorrect late payment entry for XXXX, despite my past disputes. 
Lack of Resolution Since Previous Dispute I have submitted multiple disputes regarding these inaccuracies, yet there has been no corrective action taken by Experian. This persistent inaction has continued to harm my credit standing and is a violation of both my consumer rights and the relevant federal statutes.

Desired Resolution Immediate Removal : I am formally requesting the immediate removal of the inaccurate late payment notation from my credit report.

Written Confirmation : Please provide written confirmation of this correction.

If this matter is not resolved promptly, I will consider escalating my complaint, including potential legal action and further complaints with appropriate regulatory agencies.

Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX