davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (ME)

On XXXX, XXXX there was a hard inquiry on my XXXX   credit score from synchrony Bank National Credit Card/Airline. I did not apply for any Credit Card as I just completed a Bankruptcy in XX/XX/XXXX. I called the phone number that came with the hard inquiry from Synchrony Bank. The lady there told me to call XXXX. So, I proceeded to call XXXX. The lady there explained the deletion process. I was to call Synchrony Bank back and get a " Letter of Deletion '' from them. Once I received that, then I was to send that with a letter of Authorization to XXXX   : XXXX XXXX XXXX, XXXX, PA XXXX, and to make sure that I include my Name, address, last 4 of my SS #, and the File # XXXX. So, I call Synchrony Bank back. First I get XXXX - she was unable to help me at all so I asked for a supervisor. I get XXXX on the line and he proceeds to tell me that he can not give me a letter as this is a known issue between XXXX  & XXXX XXXX - he called it " Naming Table Translation ''. I have no idea what this means, but again, I was told to call XXXX. So, one more time I call XXXX. I speak with XXXX. I again get the same story but he is going to mail me a copy of my Credit Report ( not sure what that will do ) - you need to call Synchrony Bank. I am so frustrated at this point. I do not have any documentation other than my Credit Report showing the hard inquiry.
Consumer complaint received 2024-05-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (NC)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
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: Experian Information Solutions Inc. (FL)

EXPERIAN, I'D SUGGEST YOU READ THIS ENTIRE COMPLAINT BEFORE RESPNDING WITH THE SAME COPY AND PASTE REPLY YOU GIVE TO EVERYONE. THE NEXT CONTACT WILL BE FROM AN ATTORNEY. 

CFPB I'M HEREBY REQUESTING YOUR AGENCY GET INVOLVED. EXPERIAN CONTINUES TO DENY CLAIMS OR COME UP WITH NEW REASONS TO DENY. XXXX AND XXXX HAS UPDATED MY REPORT WITHOUT ANY ISSUES BASED ON THE INFORMATION I PROVIDED. 

OnXX/XX/2024 Experian was delivered an IDENTITY THEFT packet. In this packet it included the following : Statement on identity theft drivers license social security card bank statement to prove address FTC Identity Theft Report Detailed list of which items was identity theft Detailed list of which addresses was not mine Detailed list of different names showing that were not mine Detailed list of different social security numbers that showed on report, that wasn't mine Since the very beginning of this process with Experian, they have continued to deny the request, when called on the phone was spoken to very unprofessionally, hung up on etc. Every few days I get a new email making other false claims of items missing. 

There is the email sent to me today : _____________________________________________________________________ We received a copy of your identity theft report and notification that you are a victim of identity theft. However, we do not know which items on your credit report are the result of identity theft. Please indicate the specific items on your personal credit report that appeared as a result of the fraudulent activity, and include the information listed below : Account name ( s ) Account numbers The dates of the fraudulent activity One copy of a government issued identification card, such as a drivers license, state ID card, etc. 
One copy of a utility bill, bank or insurance statement, etc. 
Please also include the following identification information : Your full name including middle initial ( and generation - JR, SR, II, III ) Social Security number Date of birth Complete addresses for the past two years _____________________________________________________________________ On the FTC Identity Theft report is CLEARLY states which items are IDENTITY THEFT! XXXX and XXXX had no problem whatsoever with reading the document, and this is just prime example of Experian violating the law as CFPB has fined them several times before.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-07-15
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. (WI)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I recently received a copy of my consumer report and noticed inaccurate accounts reporting on my consumer report. XXXX, XXXX, XXXX, and Experian are in clear violation of the law under 15 USC1681B. XXXX is using illegal debt collection tactics to try and collect debts that were previously disputed with credit bureaus and DELETED. 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. 15 U.S.C 6802 states a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. The original creditor is XXXX, however, XXXX provided an account breakdown with a discharge date of XX/XX/XXXX. XXXX PURCHASED the debt on XX/XX/XXXX per the company 's response to the initial CFPB reporting on XX/XX/XXXX. XXXX violates UCC 9-109 ( d ) ( 5 ) which states that no creditor can transfer an assignment of accounts, payment intangibles, or promissory notes which is for collection only. According to 15 U.S. Code 1962e ( 8 ) communicating, or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 8. 15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. XXXX is to provide the direct contract in which they are authorized to request a payment and NOT a debt collector who bought a debt. If you verify this inaccuracy for the credit bureaus without providing me with all of the said listed items you violate the law, which carries a fine of { {$1000.00} } per violation. Any communications not received by certified mail under the Penalties Of Perjury will be refused for course without dishonor and defective upon its face. Failure to substantiate the claim under Penalties Of Perjury, please settle this account immediately within ( 15 ) days. Notice To Agent notice to principal All Rights Reserved Without Prejudice U.C.C 1-308.
Consumer complaint received 2024-05-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I have always ensured that payments on this account are made on time, never allowing them to become overdue. I am unsure of the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2019-04-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (FL)

My mortgage loan is in default and was recently transferred from Seterus to Nationstar/Mr. Cooper. Ultimately I will lose my home through foreclosure since Seterus was unwilling to work with me to save my home and I fear Nationstar will continue this practice. My loan qualifies for mortgage assistance, but Seterus kept telling me that I have had too many workout plans already. However, the one modification they gave me they made an accounting mistake and never accounted for my second trial modification payment. When I called in to fix this they basically said that there is nothing they can do and kept telling me to call back next month to see if they can help me. I have not had a single point of contact that I could work with and will lose my home through foreclosure if something isnt done. I am a XXXX   XXXX  and am not always in the country. A few years ago, I foolishly trusted my boyfriend to take care of the mortgage payments while I was gone for months at a time taking care of my patient. Instead of being responsible and making the mortgage payments, he took the money I sent him and squandered it. I was unaware of that I was delinquent on my mortgage payments until I came back to the country and found out I was delinquent. I contacted Seterus and I got a trial modification in XXXX of 2018. I made my XXXX payment and called Seterus in XXXX to make my next payment. One of their representatives, XXXX, called my bank to verify funds while I was on the line and was told the funds were in the bank. Everything was verified and I was told the payment was made, but their representative made a mistake and did not do the transaction. Then I was advised by XXXX that my payment did not go through because I GAVE THE WRONG ACCOUNT NUMBER for my bank account. However, it is impossible that I gave them the wrong number since XXXX confirmed the bank account number while she was on the line with my bank! After that everything fell apart and I lost my modification. I tried to work this out with them, but they have turned their backs on me and now I will lose my home through foreclosure if you can not help me.
Consumer complaint received 2024-05-15
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. (GA)

This account was charged off on the following date ( XX/XX/year> / XXXX ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of this following account. 

XXXX - Acct # : XXXX
Consumer complaint received 2024-05-15
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: Experian Information Solutions Inc. (CA)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-05-15
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)

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section XXXX ( a ) ( XXXX ) ( A ) & Section XXXX ( a ) ( XXXX ) ( A ) ( a consumer contract with my signature on it ) and under Section XXXX ( XXXX ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : XXXX there is some inaccurate information reporting XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX XXXX Account Number : XXXX Delete this account. 


XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Delete this account. 


XXXX. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX XXXX Account Number : XXXX Delete this account. 


XXXX there is some inaccurate information reporting XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX  XXXX Account Number : XXXX Delete this account. 


XXXX. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  XXXXXXXX XXXX XXXX  Account Number : XX/XX/2022 Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Consumer complaint received 2016-06-28
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (IL)

Ocwen Mortgage has caused me to go into foreclosure. They have failed to apply my payments correctly. In fact when they filed the complaint in foreclosure, they were utilizing an old agreement. My loan was modified in 2014. Despite making payments under the agreement, they were not properly applying my payments. They took money from me, cashed the checks/money orders and said, we did not receive the money. When I called the electronic system, the recording said, your account is past due. I attempted to reach someone by phone to find out what was happening, but could reach no one. In my opinion Ocwen is very unorganized and the company is a complete disaster. This has caused me a lot of stress, needlessly. Please help
Consumer complaint received 2024-07-15
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. (MD)

Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized account/information reporting to my credit health. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2024-05-15
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. (TX)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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 2023-02-25
Product: Credit reporting, credit repair services, 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. (NJ)

On XX/XX/2023 I received an email from XXXX XXXX notifying me about a new hard inquiry. The inquiry was from XXXX XXXX and I did not authorized this. Someone is using my social security number and this person is trying to open credit cards. I called the bank but it was too late to speak with the right department ( I called after XXXX ). However, the bank representative provided me with the right department phone number. I am going to call them on Monday since they are close over the weekend. This situation has put me in high alert since someone had try to open a credit card account with another bank ( XXXX ). I have put an alert on my TransUnion account and I filled a report on XXXX.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.
Consumer complaint received 2019-04-26
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Movement Mortgage LLC (OK)

I began working with a broker ( XXXX XXXX ) with Movement Mortgage XX/XX/XXXX. I wanted to refinance my current home, as it was to become a rental property and purchase a new home. I would have 2 transactions with their company. Over 3 months later, there was no progress nor were we moving forward on these transactions. 

On XX/XX/XXXX the broker ( XXXX XXXX ) informed me she was moving to another mortgage company ( XXXX XXXX XXXX ) and wanted to bring my accounts with her. It is my belief the broker was holding my file to take my business with her when she got setup with a new company, however, I had always expressed my desire to close as quickly as possible. I advised XXXX XXXX I wanted to move forward with Movement even though she was no longer employed there. In the meantime, XXXX XXXX, submitted an application, ran my credit and sent me disclosures through XXXX, even though I did not authorize her to do so! 

I started working with XXXX XXXX with Movement on XXXX. Ultimately I had to resubmit all documents and disclosures and application due to the previous broker ( XXXX XXXX ) never putting my info into the system at Movement. I paid {$1300.00} for appraisals for both properties ( My current home and the new home ) arranged by Movement and later found out XXXX XXXX ordered the appraisals and immediately put them on hold. No appraisals were completed and XXXX XXXX   service ultimately refunded my money. The process still seemed to not move forward. 

I decided this was not the right company for me to setup a mortgage with due to the lack professionalism, empty promises and lack of communication and I decided to apply with another mortgage company. I informed XXXX, from Movement on XXXX that I decided to go with another lender. I was advised by my new Lender, Movement sent in information to FHA and HUD stating I was a risk and Movement denied me for a home loan, which is not the truth! I lost my financing with the company I was working with and my lender was forced to find a new lender for me. I believe Movement made this claim to FHA and HUD as retaliation for me deciding to go with another company.
Consumer complaint received 2023-11-16
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. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.