davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-29
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: Mr. Cooper Group Inc. (CO)

Dear Consumer Financial Protection Bureau, I was trying to apply for a loan and was told that I have a 30-day or more late payment with Mr. Cooper ( XXXX ) on my credit report for XX/XX/XXXX, which is impeding my load application. I dealt with this issue for several weeks with Mr. Cooper in XXXX XXXX XX/XX/XXXX. I placed a dispute through the XXXX major credit reporting agencies and made a formal grievance through the Consumer Financial Protection Bureau. 

In XX/XX/XXXX, my husband, XXXX XXXX paid Mr. Cooper {$2800.00} ( when Mr. Cooper had a security breach ). I found out in late XXXX XXXX that the XXXX payment was not received by Mr. Cooper, even though my bank, XXXX, stated that they paid an online bill ( see attached letter from Chase ). After going back and forth with Mr. Cooper, it was determined that the check sent by my bank, XXXX, was never cashed by Mr.Cooper.Mr. XXXX told me that when I made my XXXX payment, it was used as my missing XXXX payment. After finding out that the XXXX payment was never received, I immediately stopped payment on the check sent in XXXX and sent Mr. Cooper another check for {$2800.00}. 

I have always made timely payments to Mr. Cooper. Mr Cooper informed me that this issue would not negatively impact my credit and that my account would not reflect any late payments. I received the included letter from Mr. Cooper on XX/XX/XXXX, stating that an update was submitted to the credit reporting agencies ( see attached letter ). I am finding out from XXXX, XXXX, and XXXX that Mr. Cooper never notified them to update my account as current, in good standing, with no late payments, or missed payments.Please advise. 

Thank you for your time, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-04
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. (TX)

My repeated efforts to resolve the issue of fraudulent, inaccurate, and misleading information on my consumer report have been unsuccessful. These entries have severely affected my life, causing considerable distress. I must emphasize that I never authorized or agreed to have this information linked to my name, as I've been a victim of identity theft.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Possible Financial Inc (CA)

XXXX. 
POSSIBLE FINANCIAL INC XXXX POTENTIALLY NEGATIVE MONTHS Balance details 0 % paid off Balance {$140.00} Balance updated XX/XX/XXXX Original balance {$120.00} XXXX. 
POSSIBLE FINANCIAL INC XXXX POTENTIALLY NEGATIVE MONTHS Balance details Paid off - Balance - Balance updated - Original balance {$220.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Unsecured XXXX. 
POSSIBLE FINANCIAL INC XXXX LATE PAYMENTS Balance details Paid off - Balance - Balance updated - Original balance {$200.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Unsecured XXXX. 
POSSIBLE FINANCIAL INC XXXX LATE PAYMENT Balance details Paid off - Balance - Balance updated - Original balance {$130.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Unsecured
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block 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. 
XXXX XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX
Consumer complaint received 2024-06-19
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. (MD)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2019-07-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (OR)

On approximately XX/XX/XXXX I initiated a dispute through XXXX for an item in collection through XXXX XXXX XXXX That debt, assigned XX/XX/XXXX for {$200.00}, is inaccurate. It was paid via XXXX XXXX ending XXXX in the amount of {$130.00} on XX/XX/XXXX. I sent the credit card statement showing that charge, which originated from a XXXX visit on the aforementioned date. Numerous attempts to contact that collection agency via phone and traditional mail have proved unsuccessful, which is precisely why I disputed the transaction. I disputed the transaction via traditional mail since Equifax 's online dispute process refused to recognize me. I received a letter around XX/XX/XXXX, thirteen days after my initial dispute efforts, claiming they needed " additional information to verify my identity ''. I mailed them back the requested copy of my social security card and a copy of my lease agreement. I received another letter on XX/XX/XXXX restating the same information and asking for another copy of my social security card and proof of residency.
Consumer complaint received 2024-09-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

XXXX helped score went up. Found in amending a list of people that were found in credit report. Even I was not expecting this. A list in about XXXX years altering ID. Wasnt expecting this. They did an excellent job. The other XXXX were not helpful. However also writing this because they said that they trans union XXXX  could not verify my identity. Bank said leave it as is for now. Likely because of the list of individuals found in my account with my personal information. 

However background checks for housing there should not be a single item on my record I was just referred from XXXX here. If it is the correct place no a lot of accusations etc has gone on towards me. I just received the email. It generally has been the opposite I tried to stop others actions without threatening. However credentialed people were listed on credit report dark web same as breaches generally mixing of multiple people in my medical, possibly criminal not major but allegations unfounded are likely prominent. If already submitted ignore this. However I have been taken to court usually on my own for personal reasons but this list is telling me that housing criminal allegations may be present. XXXX just sent me an email again tonight so no it shows on credit report who ( some ) and present housing no exception, however the individuals and some not listed are doing a good job making a big mess. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-26
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bull City Financial Solutions, Inc (NC)

I am writing to formally request validation of the debt referenced above under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I do not recognize this debt, and before taking any further action, I request that you provide the following information : 1. The name and address of the original creditor.

2. The original account number.

3. An itemized statement of the debt, including any interest, fees, or other charges.

4. Verification that you are authorized to collect this debt.

5. Proof that I am legally obligated to pay the alleged debt.

Please treat this letter as a dispute of the validity of the debt. I request that any further collection activities be suspended until the debt is properly validated.

Additionally, I request that you cease all communication with me, except to provide the requested validation. If this debt is not validated within 30 days, I expect you to cease any further collection efforts and remove any reference to this debt from my credit report. Furthermore, this collection company is attempting to collect a debt for the incorrect amount. On the XXXX and XXXX reports it shows that the correct amount is {$230.00} but the letter directly from the collection agency shows {$240.00}.
Consumer complaint received 2024-07-04
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: EQUIFAX, INC. (SC)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. Please see attached file for these items I am complaining.

"
Consumer complaint received 2024-06-27
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 have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
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 2024-09-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BARCLAYS BANK DELAWARE (AZ)

In 2019-2020, I failed to pay a credit card balance and the account closed. I never received anything from a debt collector, or Barclays either in mail or email, or a phone call. Time went on and I admittedly forgot about it. 
In 2022 I attempted to apply for a mortgage and was notified of the negative account. I wasnt able to locate the debt as it was sold. 
XX/XX/XXXX I was able to locate it after repeatedly calling Barclays. The collection was given to XXXX XXXX ( XXXX ) at XXXX. 
I tried to settle for a lesser amount, and was told that wasnt an option. 
XX/XX/XXXX the debt was transferred back to Barclays. Again, no communication of any form. 
I called between XX/XX/XXXX and XX/XX/XXXX and every time was told it has to be submitted to higher ups and call back in XXXX business days for options to settle I was never given any information. Never received an email, letter or a phone call either. 
I admit I gave up and thought I would wait for it to fall off my credit after so many years. 
I was denied a loan to get our septic system repaired, and this debt is holding it up. 
Once again, called Barclays XX/XX/XXXX and again had to wait for email to be sent to higher ups and was told to call back in XXXX business days, and that they would not contact me. 
I called XX/XX/XXXX and spoke with an agent who told me they would settle my account for {$930.00} and within XXXX business days of receipt my account and credit would be updated as settled and paid. 
I called today, XX/XX/XXXX to see if the cashiers check was received and was transferred twice to be told they told me the incorrect amount and the amount is actually {$1900.00}. I had no communication from them, they claim they called me twice and no option for voice mail. They have my address, email address and phone number all up to date on file but failed to communicate anything with me. Their resolution is to pay the extra XXXX dollars as they were wrong in their first offer.
Consumer complaint received 2024-09-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

My name XXXX XXXX, a Federal protected consumer, and I am making this complaint against PORTFOLIO RECOVERY ASSOCIATES LLC for committing identity theft. I have never given PORTFOLIO RECOVERY ASSOCIATES LLC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. Iam demanding a cease and desist of all illegal activity, any communication and collection activity of this and any alleged debts until PORTFOLIO RECOVERY ASSOCIATES can provide me with sufficient documentary evidence, such as a trilateral contract, that I have any legal obligation to pay them. If this documentary evidence can not be produced and PORTFOLIO RECOVERY ASSOCIATES continues its collection efforts, I will file for litigation for actual damages caused and PORTFOLIO RECOVERY ASSOCIATES will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A. extortion, theft, by deception, securities fraud and mail fraud and provide me proof your license to collect in my State. Upon the receipt of documents herein and of this notice, you are hereby notified, Pursuant UCC 1 - 202f. Your Prompt attention and response are both requested and required. Account # XXXX
Consumer complaint received 2024-09-11
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Source Receivables Management LLC (LA)

My name XXXX XXXX, a Federal protected consumer, and I am making this complaint against SOURCE RECEIVABLES MNG for committing identity theft. I have never given SOURCE RECEIVABLES MNG any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. Iam demanding a cease and desist of all illegal activity, any communication and collection activity of this and any alleged debts until SOURCE RECEIVABLES MNG can provide me with sufficient documentary evidence, such as a trilateral contract, that I have any legal obligation to pay them. If this documentary evidence can not be produced and SOURCE RECEIVABLES MNG continues its collection efforts, I will file for litigation for actual damages caused and SOURCE RECEIVABLES MNG will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A. extortion, theft, by deception, securities fraud and mail fraud and provide me proof your license to collect in my State. Upon the receipt of documents herein and of this notice, you are hereby notified, Pursuant UCC 1 - 202f. Your Prompt attention and response are both requested and required. Account # XXXX
Consumer complaint received 2024-09-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (NV)

Re : Error Resolution Notice under 12 C.F.R. XXXX Loan # XXXX Dear Cardinal Financial Company , Limited Partnership : I am writing to request correction regarding an error with the mortgage on our property at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, After XXXX exhaustive and failed attempts to resolve my concerns directly with your customer service team @ ( XXXX ) XXXX, I am now reaching out through this error resolution notice to secure a resolution. 

On XX/XX/year>, I contacted the above-referenced customer service line requesting support with identifying the status of a property tax bill due on XX/XX/year>, that the XXXX XXXX XXXX had not received. I had previously spoken with the XXXX XXXX XXXX department, and they confirmed that the only payment received was check # XXXX, sent by me on XX/XX/year>, and deposited to the tax account on XX/XX/year>. 

Your customer service representative confirmed that a payment had been sent on XX/XX/year>, and suggested I wait a couple of days and then call back to see if the payment had been posted. On XX/XX/year>, I contacted the XXXX XXXX tax department again, where they reviewed my account and assured me that no payment had been received from the mortgage lender. The tax representative assured me that payment processing is typically completed in 5-7 days, and they are not experiencing any delays in processing payments or addressing inbound mail. 

I immediately contacted your team again, requesting help identifying where the check had been sent, whether it was cashed, and whether your team could issue a stop payment and re-issue it. The representative repeated what was on the screen, informing me, Cardinal did their part, and sent payment. She indicated there was No way to confirm the check had been cashed, and issuing a stop payment was impossible. 

While I understand that checks get lost in the mail, I find it difficult to believe your company has no recourse when the intended recipient does not receive payments. If I had not made my initial tax payment on XX/XX/year>, my account would now be deemed past due ; sharing this dilemma with your team has resulted in zero effort to investigate or resolve the issue. 

My loan process with XXXX XXXX and his team was straightforward and seamless ; XXXX demonstrated exceptional communication throughout the funding process and helped navigate the entire process with a tone of professionalism ; this experience resulted in XXXX and his team earning multiple five-star reviews on various social media sites. 

The lack of transparency from your customer service team surrounding my tax liability payment leads me to question the accuracy of processing my year-to-date mortgage payments ( which appear to be overpaid ) and escrow account balance. 

Your support in resolving this would be greatly appreciated. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-04
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: EQUIFAX, INC. (SC)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. Please see attached file for these items I am complaining. 
"
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

PLEASE BLOCKED AND REMOVED. 
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 15 days. Enclosed are the pertinent documents for your thorough review and reference.