davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: NEW YORK COMMUNITY BANCORP INC (NC)

FLAGSTAR BANK " APPROVED '' LOSS MODIFICATION PROGRAM CANCELLED AND FORECLOSURE STARTED... 

l appealed a recent Loss Mitigation disapproval from Flagstar Bank based on the fact that after completing a 12 month forbearance plan due to XXXX XXXX  and the death of a spouse I applied for my 1st loss mitigation plan a few months ago of which I was approved and completely complied with by completing the 3 months of trial payments and a XXXX payment this XX/XX/2023 and because I did not receive the final documents to finalize the loan modification due to my loan documents being left on my front porch by XXXX I was informed by Flagstar Bank that the original plan that I was approved for was cancelled and that I would have to restart the entire loss mitigation program all over again which I felt was very unfair based on the fact that I did fully comply with the terms of the original plan that was given to me in making the required trial payments and due to no fault of my own did not receive the fedex packet of information to finalize the previously authorized and granted loan modification. 

After submitting a XXXX loan modification request foreclosure proceedings were suddenly started on my home without my knowledge due to nonreceipt of additional loan information that Flagstar Bank never informed me that was needed until after they had actually started the foreclosure proceedings. 

I requested an appeal of Flagstar 's most recent disapproval decision based on the following : 1 - I did comply with and satisfied the requirements of the original loss mitigation plan per Flagstar Bank 's request by completing the 3 months of trial required payments per that plan in a very timely and exemplary manner and my previous loan modification was APPROVED and then cancelled after the receipt of XXXX payments because I did not receive the loan finalization documents from Flagstar Bank. 

2 - My 2nd loan modification was disapproved due to nonreceipt of information that I was never informed that was needed by Flagstar Bank to complete the application. 

3 - My financial situation has significantly improved since I initially applied for the original forbearance plan through debt consolidation, paying off of bills and the addition of {$850.00} that was added to my monthly income through the Social Security Administration and based on my current monthly income and expenses I am now ready and would like to resume my mortgage payments per the reinstatement of the previously approved loan modification plan approved given to me by FlagstarBank or a new loan modification plan. 

Thank you for your assistance in regards to this matter.
Consumer complaint received 2023-12-22
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (FL)

Previously sent in identity theft form to XXXX. It was denied due to discrepancies. The account number is corrected and moving forward if these accounts continues to be furnished on my report litigation proceedings will continue with the help of CFPB. Please see attachment. Attached is my FTC report
Consumer complaint received 2023-10-28
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 is my second time asking for TransUnion to remove this inquiry XXXX 15US code 1681 n Infamis of pulls or unauthorized account that is not mines.

As a consumer by law this must be deleted immediately, or I will seek monetary damages in small claims court in my city and state. Also we have involved and sent this letter to XXXX, Attorney General Office and Fair Trade Commission.
Consumer complaint received 2023-10-28
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. (OH)

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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX/DOFED Account Number : XXXX Account Name : XXXX/DOFED Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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 2024-01-23
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (CA)

US Bank is not honoring the Cares Act Credit Reporting requirements. I have a XXXX  XXXX hardship and I am in a loan modification program with US Bank for XXXX mortgages ( and another 1 is still in forbearance ). US Bank is not honoring the Cares Act neutral credit reporting requirements in violation of Federal law. US Bank believes that once the initial forbearance period is completed, it can report delinquent information even when I am still in the load modification process and have been making payments pursuant to that process. 

A consumer class action should be brought against US Bank on behalf of consumers like me. US Bank is not above the law and should be penalized for not complying with the CARES Act and damaging consumers credit with bona fide XXXX XXXX hardships.
Consumer complaint received 2023-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CLGF Holdco 1, LLC (NY)

I was accepted and supposedly issued a credit card on XX/XX/2023. The card was never sent. Supposedly on XX/XX/XXXX a second request was issued by the company to have the card sent. I was told their " back office '' doesn't accept calls from them so they had to send an email. They never received a response.I have called regularly since the beginning of XXXX speaking with numerous representatives and managers. With every call I am told they are sorry but there is a shortage and delay of cards and there is nothing else they can tell me. No one can tell me when I will receive this card. The last two managers I spoke with said it would be issued within the week. Obviously, those were lies to keep me from calling for awhile. I need this card to make a purchase in two weeks but can't because I have to physically receive the card and activate it first. It has been one month since this ordeal has begun and after more phone contact with them than I can count am still being told the same lie with no idea of when this card will be sent. I would greatly appreciate your help in this matter.
Consumer complaint received 2024-05-02
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: Experian Information Solutions Inc. (TX)

Despite numerous correspondences and efforts, it appears that the issues persist. As I have expressed repeatedly, the presence of late closed accounts and charge offs on my credit report is greatly impacting my financial standing and causing significant distress. It is imperative that we take immediate and decisive action to rectify these inaccuracies and restore the accuracy of my credit profile. 

I kindly request that you escalate this matter and exhaust all available avenues to address the late closed accounts and remove the charge offs from my credit report. 

I understand that resolving these matters may be challenging, but it is essential that we work together to expedite the resolution process. Your cooperation and assistance in this regard are crucial to achieving a satisfactory outcome. The following accpounts should be remove as soon as posssible : XXXX. DEPTEDXXXX XXXX Balance Owed : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 
XXXX. DEPTEDXXXX XXXX* Balance Owed : {$0.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW. 

XXXX. DEPTEDXXXX XXXX Balance Owed : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and high balance. I believe this information may be inaccurate. Immediate removal of this item is necessary. 

XXXX. DEPTEDXXXX XXXX Balance Owed : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and account status. I believe this information may be inaccurate. I need this deleted now. 

XXXX. DEPTEDXXXX XXXX Balance Owed : {$0.00} - Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information XXXX be inaccurate. I need this removed now. 

XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. 

XXXX. XXXX XXXX XXXX Balance Owed : {$0.00} - The payment history and status is inaccurate. According to FCRA 's Compliance/Obsolescence date determines when the 7-year reporting period begins for accounts that have been charged-off or placed for collection. Please delete this account immediately. 

XXXX. XXXX XXXX Balance Owed : {$200.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.
Consumer complaint received 2024-05-02
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. (PA)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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 2023-11-07
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. (NY)

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2 Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 2023-09-21
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. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-22
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I enrolled in a payment program offered by Capital One to bring my Platinum card current after a period of economic hardship. Capital One informed me that they would be scheduling a total of three payments to be deducted from my bank account over three months to bring the account up to date. Unbeknownst to me, Capital One scheduled the first and third payments, but they did not schedule the second payment. 

After accepting the payment plan, I received a confirmation email that stated I wouldn't have to take any further action and that the amounts would be paid automatically. At the end of the second month, I noticed that my account was suddenly charged off. When I contacted customer support, the agent informed me that he was able to see a record that indicated the first and third payments had been scheduled ; however, there was no record of anyone on Capital One 's end having scheduled the second payment. 

The agent filed a dispute over the phone on my behalf. I never heard back from Capital One. The charge-off remained on my account. I tried to call Capital One several times for updates ; however, the agents all gave different excuses for not being able to help me ( i.e. the supervisors are all in a meeting ; the systems are down, and no one will be able to see my account ; everyone had left for the day, etc ). 

I disputed the charge-off through one of the credit bureaus. Capital One responded by saying they'd resolved the issue and that the charge-off was correct.
Consumer complaint received 2024-04-30
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. (CO)

To Whom It May Concern, I am writing to lodge a formal complaint against XXXX and Experian for their continued negligence and failure to remove fraudulent addresses associated with my credit profile despite my repeated requests. This oversight has caused significant discrepancies in my credit report and has raised concerns over potential identity theft and financial fraud. 

Details of the Complaint : The addresses listed below have been falsely associated with my credit profile, and I have no connection to these locations. Despite multiple communications and formal requests to both XXXX and Experian to correct these errors, the addresses remain on my credit reports, which misrepresents my financial history and personal information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These addresses have been erroneously linked to my personal credit report, and their inclusion suggests a breach of my personal information and a significant lapse in data accuracy standards required by federal law, specifically the Fair Credit Reporting Act ( FCRA ). 

Fair Credit Reporting Act Violations : Under the FCRA, I am entitled to have accurate and verified information on my credit report ( 15 U.S.C. 1681e ). Both XXXX and Experian have failed to comply with these provisions by not adequately investigating my disputes and by continuing to report inaccurate consumer information. 

Request for Action : I hereby urge the Consumer Financial Protection Bureau to intervene on my behalf to : Ensure the immediate removal of these fraudulent addresses from my credit profiles maintained by XXXX and Experian. 
Conduct a thorough investigation into the practices of these credit reporting agencies to prevent recurrence of such issues. 
Consider appropriate penalties or corrective actions against XXXX and Experian for their failure to adhere to the FCRA requirements. 
The persistence of these inaccuracies in my credit report is not only a direct infringement of the FCRA but also poses significant risks to my financial stability and personal security. It is imperative that this issue be resolved promptly and effectively.
Consumer complaint received 2023-10-28
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. (OK)

The following accounts must be deleted as they were opened without my consent : XXXX XXXX XXXX XXXX XXXXXXXX - Opened XX/XX/2021 XXXXXXXX XXXX ACCOUNT # : XXXX - Opened XX/XX/2021 XXXX XXXX  ACCOUNT # : XXXX - Opened XX/XX/2021 I have further done more investigating to understand why these accounts are reporting on my credit report and per my findings, on XX/XX/2021, my personal information was leaked due to a data breach. ( See attached documents ) In this breach, I found that the following information was leaked, which are items needed in order to get approved or open an account fraudulently : SSN, Name, DOB, Phone number and address.

These accounts were opened in the same year of the breach and reflect no payments towards the accounts which is a usual sign of fraud.

I have attached the ID THEFT reports for all of them as well as the source of the date breach and what was included. That is enough evidence proving they are not mine.

They were opened without my physical signature.

They were opened in a state I do not reside in.

They were opened with an address I do not live at.

Resolution : delete these accounts because you are reporting fraudulent accounts on my credit report that are hurting my credit worthiness to be approved for lines of credit or buying a house.

Reinsertion of these accounts after removal will be documented and presented to an attorney for further review for legal action to be taken as a result of negligence and deformation of character against all parties involved.

Please comply with my request as failure to do so will result in legal action being taken.
Consumer complaint received 2024-06-12
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)

XXXX XXXX XXXX Account Number- XXXX Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you
Consumer complaint received 2024-04-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION (CT)

On my Navy Federal Credit Card, I have noticed multiple charges on my card. All charges names refer to as XXXX XXXX XXXX XXXX XXXX  Which I did not authorize. Last time I was in XXXXXXXX was in XXXX and I am currently in XXXX  I called the bank to refund and cancel that credit card for a new one.
Consumer complaint received 2024-06-12
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. (MS)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accura
Consumer complaint received 2022-11-23
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. (AR)

In accordance with the ( FCRA ) everything has to be 100 percent accurate on my credit report. The bureaus have stated all my accounts were properly investigated, but how can that be when the date last active, the date last reported, and the opening date are all incorrect and different between the 3 bureaus or incomplete. This is grounds for removal and they have violated my Rights under 15 u.s.c. 1681 sec 602A. States I have the right to privacy. 15 usc 1681 section 604 A. Section 2 also states a consumer reporting agency can not furnish a account without my written instruction. There for I want to see verification of a signed invoice, a copy of the binding contract between both parties and validation of the debt that is actual accounting.