davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : XXXX. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Consumer complaint received 2017-12-31
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (MD)

I initially started the mortgage process with XXXX and todays before closing XXXX called me and informed me that they had made mistake, and I needed touring an additional {$28000.00} to closing. I spoke to numerous supervisors within XXXX and no one could explain to me what had gone wrong. All they said was that I needed to get the money. 
we closed in XXXX XXXX, XXXX. And my mortgage payment was {$3000.00} now were in XXXX XXXX and Nationstar is now handling my mortgage. And my mortgage payment has increased to increased to {$4300.00} I contacted Nationstar and there response was that XXXX made an error and they would reach out to XXXX and they would contact me once they gotten answer. However that was my new payment. Im a XXXX veteran with a full time job. Thats an increase of {$1200.00} I simply can not afford that. Nationstar has not called me back. And I 'm in fear of going into complete financial turmoil. 
I would 've never agreed to a mortgage payment of {$4300.00}. 
I paid everything I was supposed to. And i feel like I was deceived or they simply do n't know what their doing and they are not being held accountable for ruining peoples lives. 
XXXX and Nationstar mortgage have all the Truth in lending contracts, closing paperwork, as well as all my personal and financial information.
Consumer complaint received 2023-03-13
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)

In my consumer report there is a charge off ( XXXX XXXX XXXX ) reporting and this is illegal to do because charge offs are considered cancelled debt and according to the IRS cancelled debt is considered income, income can not reported in a consumer report. Also, charge offs should never be reporting monthly as this is. I never authorized to report this. this is defamation and I will ligate this company for defamation because they are reporting information that theyre not suppose to which is causing damage to me financially and emotionally.
Consumer complaint received 2023-03-13
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. (TX)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2024-06-01
Product: Credit card — General-purpose credit card or charge card
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: SYNCHRONY FINANCIAL (NY)

I started a complaint on CFPB with Synchrony/Paypal Credit ( case : XXXX ). The company responded and closed my complaint right away. They did not allow me to respond. Here I have written my response and require follow up from PayPal/Synchrony . I disagree with the information Synchrony/Paypal sent in their response by XXXX XXXX XXXX pdf is attached in case number provided above ). I request this case be reopened and a follow up for my response. Here are 6 questions/concerns : 1. Their response states I didnt set up an auto-pay payment plan. Yet I set up the payment plan via phone call. Its all in the recorded call. In the call, the agent stated I was enrolled in auto-pay for minimum payment. They provided XXXX information of this in their response. Thus, I request a review of the call with the agent. How can I receive this information/how can we confirm you review the call? 2. You stated my payment plan was opened XX/XX/XXXX. The first payment that was missed was XX/XX/XXXX. All of those payments in between were on-time and NOT manually paid. It was all autopay. So please explain how I wasnt enrolled in auto-pay? 3.I cross-referenced my bank account linked to PayPal payments and it had sufficient funds for the dates you state I missed payment and indicated in your response. Thus, if my account was on auto-pay as it shouldve been AND as mentioned in the call AND as it was for months prior, there would be XXXX missed payments. So why wasnt it charged autopay? Or did you guys cancel the autopay? 4. Your response states I shouldve received CAP emails. Which of my emails were they sending notifications it to? 5.Has PayPal/Synchrony sent me any lawsuit letters for this collection? 6.A quick investigation on PayPal/Synchrony within the past years shows that they have canceled auto-pay for individuals ( unbeknownst to the customer ) and have caused mishaps with peoples payments. You can actually see people complaining about this right on the PAYPAL COMMUNITY section on PayPal.com here : XXXX XXXX XXXXpaypal-cXXXX/paypal-XXXX Another example on XXXX websites where customers have submitted complaints on this as well : XXXX XXXX XXXX/Synchrony-XXXX All that said, this case needs to be reopened and I need a proper and thorough investigation into the call where we agreed I would be on auto-pay. In addition, I have proof the on-time payments were done via auto-pay charges and not manually. So we need to further discuss this. Please answer all questions and AWAIT my answer instead of closing the complaint.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX SS # : XXXX Date of Birth : XX/XX/XXXXXXXX  XX/XX/XXXXXXXX  Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. The List of items attached below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have given the credit beaurea almost a year out of the 30 days for them to do a proper investigation of my credit report. They have failed to do so. I took the liberty to again go behind them and verify that the information is not accurate and/ or improperly placed on my credit report. I have been back and forth with the student loan furnisher to get them to tell the credit reporting agency to removed the student loan accounts that should not be on my accounts at all because I am not in default! They stated they requested the accounts be removed. I contacted the credit agency by phone and letter and they are advising me that they can not do it unless I attach the letter showing Im not in default. Well the letter is attached along with other information showing that my credit report investigations were not done properly and not accurately reported. Also NONE OF THEM has yet to show me written consent to furnish my accounts. I have enclosed credit reports with highlighted discrepancies as well as student loan documents and this is my final attempt. The credit agencies does not respond to letters and they keep sending the same lies and feedback. This is not okay. My consumers rights have been violate across the board and for years. I have no received a violation payment or deletion of the accounts. Just closed. I don't need the accounts closed I need them removed because they should not be there. I appreciate you all mediating this for me ; however the credit beaurea are not caring about my rights or your time it takes to help consumers.
Consumer complaint received 2023-03-13
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: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  account # XXXX, 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 with my written instructions
Consumer complaint received 2024-06-03
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. (MA)

I am writing to express my deep concern and frustration regarding the unresolved issue of fraudulent items on my credit report. Despite multiple attempts to dispute and remove these fraudulent items, they persist on my credit report, causing me significant financial harm and emotional distress. I would like to provide a brief overview of my efforts to address this matter : I first became aware of the fraudulent items on my credit report. I promptly reported the fraudulent activity to your credit reporting agency and initiated disputes for each of the fraudulent accounts. Despite my commitment to resolving this matter, the fraudulent items continue to appear on my credit report, and they have not been removed, updated, or properly investigated by your agency or the creditors involved. These unresolved issues on my credit report have caused me significant financial hardship and emotional distress. I have followed the proper dispute procedures and expected timely resolution and accurate reporting of my credit history. I kindly request that you take immediate action to thoroughly investigate and remove these fraudulent items from my credit report. Additionally, I ask for a written response outlining the steps your organization will take to rectify this matter and prevent future occurrences of fraud on credit reports. I am aware of my rights under the Fair Credit Reporting Act and other applicable laws, and I will not hesitate to take legal action to protect my rights and interests if this issue remains unresolved. I am asking for your immediate assistance to remove the following fraud items in my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-01
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. (GA)

I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

I have given the credit beaurea almost a year out of the 30 days for them to do a proper investigation of my credit report. They have failed to do so. I took the liberty to again go behind them and verify that the information is not accurate and/ or improperly placed on my credit report. I have been back and forth with the student loan furnisher to get them to tell the credit reporting agency to removed the student loan accounts that should not be on my accounts at all because I am not in default! They stated they requested the accounts be removed. I contacted the credit agency by phone and letter and they are advising me that they can not do it unless I attach the letter showing Im not in default. Well the letter is attached along with other information showing that my credit report investigations were not done properly and not accurately reported. Also NONE OF THEM has yet to show me written consent to furnish my accounts. I have enclosed credit reports with highlighted discrepancies as well as student loan documents and this is my final attempt. The credit agencies does not respond to letters and they keep sending the same lies and feedback. This is not okay. My consumers rights have been violate across the board and for years. I have no received a violation payment or deletion of the accounts. Just closed. I don't need the accounts closed I need them removed because they should not be there. I appreciate you all mediating this for me ; however the credit beaurea are not caring about my rights or your time it takes to help consumers.
Consumer complaint received 2024-06-01
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. (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 2024-06-02
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. (OH)

I've been a victim of identity theft. My information was exposed to the public in the XXXX and XXXX data breaches, and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I have contacted each bureau and identified my information, yet they have not been willing to remove these accounts like I have asked. I need these fraudulent accounts removed EXPEDITIOUSLY.
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-06-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (MA)

I was trying to lower my interest rate since it was too high ( 8 % ). Because of my work situation I could n't prove my income clearly, that 's why I could n't apply for refinancing, so I had to request for loan modifications. But even modification I got declined many times. But about XXXX years ago they send me an offer saying for XXXX years my interest will be 3.25 % but they increased my principal from $ XXXX to $ XXXX. Because of the pressure of losing home in foreclosure l accepted the offer and start paying on time. Even though after XXXX years they hicked up my interest rate back in 8 % driving my monthly payment from below {$2000.00} to almost double over {$3800.00}. I called many times for them to concider me to pay the same amount for few months so I can find the job and apply for modification but they said there 's no way to help me. After paying all those money and big principle balance now I am stock and in risk of losing my home.
Consumer complaint received 2024-06-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I explained to TransUnion, that a collection account on my credit report from XXXX XXXX XXXX XXXX. Is not my account and I do not have any knowledge of this company ; This company appears to be a Fraudulent matteron my report. According to TransUnion, They are saying, I owe {$1100.00}. I have asked on several occasions for prove of debt or accuracy on this debt collection. This collection is hurting my credit score and I have no knowledge of this company XXXX XXXX XXXX.