davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Lennar Financial Services, LLC (CA)

I am writing to formally submit a complaint regarding my recent experience with Lennar Mortgage, which I believe involves unfair lending practices and poor process management. Below is a detailed account of my situation : Loan Application Details : Application Start Date : XX/XX/year> Property Purchase Prices : {$250000.00} and {$260000.00} Loan Type : Mortgage for Investment Properties Summary of Issues : XXXX. Inconsistent and Poor Communication : The loan process was marked by poor communication from the lender. I received multiple, inconsistent reasons for the potential denial of my loan, each one changing after I provided additional proof and clarification in accordance with their requirements. 

XXXX. Unjustified Loan Denial : Despite providing comprehensive documentation, including tax returns, pay stubs, and utility bills as proof of residency, the lender ultimately chose to deny my loan based on an opinion-based decision. They referred solely to a letter of recommendation ( LOE ) and disregarded the substantial documentation I provided that met XXXX XXXX guidelines for investment property income. 

XXXX. Failure to Adhere to Regulatory Guidelines : The lenders refusal to use the appropriate documents as proof and their decision to rely on arbitrary methods for declining my loan application raises concerns about compliance with fair lending regulations. This approach appears to contradict the Equal Credit Opportunity Act ( ECOA ) and the Fair Housing Act ( FHA ). 

XXXX. Lack of Transparency : When I requested the proof of the XXXX used for the credit decision and their Home Mortgage Disclosure Act ( HMDA ) data, the lender declined to provide this information and stated they would look into it. This lack of transparency further complicates the issue and obstructs my ability to understand and address the reasons behind their decision. 

XXXX. Request for Regulatory Review : Given these circumstances, I am seeking a thorough review of this case to determine whether the lenders actions constitute a violation of fair lending practices. It is essential that lenders adhere to the established guidelines and provide clear, consistent, and fair treatment to all applicants. 

XXXX. Bait and Switch : Immediately after informing me that they would not approve my loans, they were quickly willing to pass my information to their other in-house lending option who was already informed of my personal information and had agreed would do my loan with no problems. This offer came with the same conventional loan but with a 2 % rate increase. 

I appreciate your attention to this matter and look forward to your assistance in resolving this issue. Please do not hesitate to contact me if you require any further information or documentation regarding my complaint.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-04-19
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. (NJ)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (TX)

In the past year i have been the victim of identity theft/fraud multiple times. All of my personal information, including my SSN, DL #, Phone #, Name, and personal Address have been obtained by a fraudulent third party. I have had multiple lines of credit opened or attempted to be opened in my name resulting in negative hits on my credit. I have disputed and resolved all of the previous identity theft and fraud attempts but, I have once again fallen victim to identity theft/fraud. 

According to XXXX ... on XX/XX/XXXX there was an account opened with original creditor ( XXXX XXXX XXXX  for {$3200.00} which was past due as of XX/XX/XXXX. It was then sent to collections around XXXX to the debt collector 'Credence Resource Mana ' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts were opened without my knowledge and have no connecting to me. 

A dispute through XXXX was opened on XX/XX/XXXX.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (UT)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number ( private ), an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), a personal loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), and a collections account opened at XXXX XXXX XXXX XXXXXX/XX/XXXX with a balance of $ ( private ) that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-09-04
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. (TN)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (AL)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

Company emailed me notice that they do not intend to investigate because they do not believe I authorized the inquiry 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.

The information and Accounts listed below have violated my rights.

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. 


XXXX. Names disputes- XXXX XXXX ( Name ID : # XXXX ) - XXXX XXXX XXXX ( Name ID : # XXXX ) - XXXX XXXX ( Name ID : # XXXX ) - XXXX XXXX XXXX ( Name ID : # XXXX ) - XXXX XXXXXXXX ( Name ID : # XXXX ) - XXXX XXXX XXXX ( Name ID : # XXXX ) XXXX. Address Disputes- Address ID # XXXX - Address ID # XXXX Single family - Address ID # XXXX Single family - Address ID # XXXX Multifamily - Address ID # XXXX Multifamily - Address ID # XXXX Apartment complex - Address ID # XXXX Multifamily - Address ID # XXXX Apartment complex - Address ID # XXXX Employer Dispute : 1. Current Employer - XXXX XXXX XXXX XXXX. Account Dispute - Account XXXX XXXX XXXXXXXX : Incorrect Status and balance Request immediate deletion - Account XXXX : Child Support Enforcement Incorrect status request immediate deletion - Account XXXX XXXX XXXX  Incorrect balance and status. Request immediate deletion - Account XXXX XXXX XXXX XXXX XXXX : Incorrect account status and balance. Resolved account request immediate deletion - Account XXXXXXXX XXXX Possible Finance : Incorrect status and Balance request immediate deletion - Account XXXX : XXXXXXXX XXXX Imcorrect status and balance. Request immediate deletion - Account XXXX XXXX XXXX  : incorrect balance and status : request immediate deletion - Account XXXX XXXX XXXX : incorrect balance and status : request immediate deletion - Account : XXXX XXXX XXXX NO CONTRACT request immediate deletion - Account XXXX XXXX incorrect balance and status : request immediate deletion - Account XXXX XXXX  incorrect balance and status : request immediate deletion account SOLD - Account XXXX XXXX XXXX incorrect balance and status : request immediate deletion
Consumer complaint received 2024-06-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (NC)

I know I was behind on my mortgage in XXXX I decleard bankruptcy from XX/XX/XXXX to XXXX of XXXX I have paid over {$70000.00} on this loan And Rushmore can not account for the money, Im not trying to lose my home, every time on their recommendation after I made a payment what ever they recommend it waste more time and always get multiple answers or things arent done to get this resolved. 
Some payments are like {$13000.00} some are {$6000.00}. 
I need some resolution.
Consumer complaint received 2023-12-19
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)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-19
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. (AL)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/2024 Experian Legal Department XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX NOTICE OF INTENT TO SUE Dear Experian Legal Department, I am writing to express my intent to take legal action against Experian for violations of the Fair Credit Reporting Act ( FCRA ) and other applicable laws. Experian has failed to comply with the dispute procedures outlined in the FCRA, resulting in several violations of my consumer rights. 
Specifically, I contend that Experian failed to follow the dispute procedures outlined in the FCRA by : XXXX. Failing to forward my information to the furniture company in question. 
XXXX. Failing to conduct its own investigation into the accuracy of the information in question. 
XXXX. Failing to conduct a thorough investigation after receiving information from the furniture company. 
XXXX. Failing to correct any inaccurate information present in my credit report. 
XXXX. Failing to remove disputed or inaccurate debts from my credit report. 
XXXX. Failing to handle disputes within the 30-day timeframe required by the FCRA. 
XXXX. Committing privacy violations and unauthorized access by releasing my private information to public and/or permissible entities. 
XXXX. Making mistakes with inaccurate bankruptcy information and failing to notify me of such errors. 
XXXX. Reporting outdated information such as misstated balance, and reporting payments incorrectly. 


These actions have resulted in harm to my reputation, financial standing, and overall well-being. Experian 's conduct constitutes violations of 15 USC 1611 criminal liability, 15 USC 1681n civil liability for willful noncompliance, punitive damages, deceptive practices, negligence, and defamation of character under permissible purpose 15 USC 1681. 
I demand that Experian take immediate corrective action to rectify the inaccuracies in my credit report and provide compensation for the damages I have suffered as a result of their actions. If Experian is unwilling to settle this matter, I am prepared to take legal action to hold them accountable for their violations of the law with {$1000.00} per violation. 
I request a response to this letter within 30 days to discuss a potential settlement agreement or to arrange for formal legal proceedings. Thank you for your attention to this matter. 


Sincerely, XXXX XXXX
Consumer complaint received 2024-07-25
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (NJ)

hey my name is XXXX XXXX and i m XXXX. i just found out there a credit card the are chared off on my credit report.XXXX i never open a credit card at all. i have trying work with chase company and they refused help or remove the account off my credit report.. they are stubborn and cant help me at all. the experian wants me files report here...
Consumer complaint received 2024-04-19
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. (CA)

I'm grateful for your attention to this matter in addressing the removal of certain entries from my file that have arisen due to suspected identity theft. However, there are still some remaining items that require your attention for removal. According to the FCRA section 605, it's mandatory to eliminate any entries listed in an Identity Theft Report. I've previously provided this report in a previous correspondence, and I'm resubmitting it for your reference. I've also notified my attorney about my intentions, and they are eager to ensure your compliance with the law. 
XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX CA, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX PA, XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX OR, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR, XXXX XXXX XXXX XXXX XXXX XXXX OR, XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$5500.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX
Consumer complaint received 2024-04-19
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. (MO)

I hope this message finds you well. I am writing to follow up on my ongoing efforts to correct inaccuracies on my credit report, specifically regarding a late open account, charge off, and late closed items. 

Despite multiple attempts to address these issues, they persist on my credit report, impacting my creditworthiness and financial standing. I have provided detailed documentation and evidence to support the correction of these inaccuracies, yet they remain unresolved. 

I kindly request an update on the status of my requests and urge you to prioritize the correction and removal of the late open account, charge off, and late closed items from my credit report. Your prompt action is essential in restoring the integrity of my credit history and ensuring fair and accurate reporting. With this, I am asking for your assistance to remove or correct these accounts in my credit file : XXXX XXXX XXXX XXXX XXXX Balance : {$160000.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$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 : {$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  XXXX Balance : {$0.00} - 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 2024-08-21
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX Trans Union LLC Consumer Dispute Center XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX 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 to you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 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 XXXX : XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX delete all other addresses, I can not receive mail or any correspondence nor do XXXX 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 ( 251 ) 513-9302 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 XXXX, AL XXXX Sincerely XXXX XXXX
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

This complaint is filed against XXXX XXXX XXXX  and Equifax for reporting incorrect/wrong information on my credit report. It should be known at present date and time a account under XXXX XXXX XXXX  reporting at Equifax that was opened on XX/XX/XXXX and charged off is displaying that i had twenty four 90 days late. This account was opened in XX/XX/XXXX and closed in XX/XX/XXXX which is ten months. This is a typo error because 24 ninty days late amount to 2160 days which is way greater then the full term of the account. XXXX only reports two ( 2 ) 90 days late. The number 24 is a typo error and completely wrong. A copy of my smart credit 3 bureau report is included for review so the error can been seen and corrected.