davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Associated Credit Services, Inc. (GA)

I am a victim of identity theft and breaking and entering. Supporting documents including a FTC report and police report have been provided to all credit bureaus and no action has been taken as of yet. I have inaccuracies on my report, and I would like to file a formal complaint to have them removed immediately. 

Incorrect name reporting : XXXX XXXX XXXX inaccuracies on my report INCORRECT COLLECTION ASSOC CREDIT SERVICES ( XXXX XXXX XXXX XXXX ) {$560.00} XXXX XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) {$1000.00} XXXX XX/XX/XXXX inaccurate inquiries XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-13
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. (TX)

I implore you to take action and remove these fraudulent accounts from my credit report immediately. I did not authorize or initiate these accounts, and it is unfair for me to be held accountable for them.
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Subject : Opt-Out Request Pursuant to 15 U.S. Code 6802 Section C and 12 CFR 10167.7 Dear ________________Consumer Assistance, I am writing to formally request that you cease and desist from including my consumer credit information in any prescreened lists provided to third parties for the purposes of extending credit offers, pursuant to the provisions outlined in 15 U.S. Code 6802, Section C. I believe this request is well within my rights as a consumer, and I trust that you will promptly adhere to this directive.

Enclosed with this letter is a certified Uniform Commercial Code ( UC ) 11 search, providing evidence that there are no outstanding liens against me from any of the following Information : All hard inquiries All Public records All Collections accounts All late payments No one has the authority or my written consent to report by law.

This document serves as confirmation of my financial standing and further supports my decision to exercise my right to opt-out under the legal provision.

I would like to draw your attention specifically to 15 U.S. Code 6802, Section C, which states : " C ) Opt-out. A consumer shall have the ability to prohibit a consumer reporting agency from making any prescreened solicitation to the consumer with respect to any transaction that is not initiated by the consumer, by notifying the agency in accordance with procedures established under subsection ( e ). '' In accordance with the law, I hereby notify you that I am opting out of any prescreened solicitations with respect to transactions not initiated by me. I expect you to promptly process this opt-out request and ensure that my consumer credit information is not included in any prescreened lists provided to third parties.

Furthermore, I refer to 12 CFR 10167.7, which outlines the procedures for consumers to opt-out of prescreened solicitations. I request that you adhere to these procedures and confirm in writing that my opt-out request has been successfully processed.

Please send confirmation of my opt-out status to the address listed above. If there are any additional forms or information required to complete this request, kindly provide those details promptly.

I appreciate your prompt attention to this matter and expect you to comply with the legal provisions mentioned herein. If you have any questions or require further clarification, please do not hesitate to contact me at the phone number or email address provided.

Thank you for your cooperation in this matter.

Sincerely, Enclosures : Certified UC 11 Search
Consumer complaint received 2024-04-07
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. (NC)

On XX/XX/year>, I had called Experian to speak with a supervisor about the inaccuracies and every representative hung up on me after they told me to hold on for a supervisor. On XX/XX/year>, at XXXX p.m., I sent a certified letter to Experian asking for documentation on the inaccuracy of my credit report. I demanded that the accounts be verified or deleted immediately and they refused to do so. I had recently pulled my credit report and saw that things were being reported inaccurately. I did not provide written consent or instructions for the identified transactions to be reported on my consumer report. They have also reported negatively on my credit report while these documents were suppose to be verified or deleted. An account that was specifically in question was XXXX, which was the account that I sent separate documentation to as well, asking the same things. They had failed to provide to me as well in the XXXX day time frame that I had sent documentation. ( sent paperwork XX/XX/year> at XXXX p.m. ) XX/XX/year>, XXXX, excuse me if I spelled it wrong, XXXX XXXX called and said that she was someone on a business matter calling, and stated that {$3400.00} was due and in collections. ( XXXX ). To my knowledge, nothing was suppose to be in collections and they harassed me prior to this with threatening phone calls, as I have stated in last claim. XX/XX/year>, I spoke with a representative who told me I owed an amount. I asked her if I could get a copy stating what I owe or the contract but she advised me that she didn't have that info and gave me a number to call and hung up on me. I can't owe a debt to something/someone who doesn't have that information. I have also sent violation letters about them not having the written consent to report and sending letters to my home. This has violated me and has hurt my report tremendously. Experian is in violation of 15 US Code 1681b, 15 US Code 1692d, 15 US Code 1692e, 15 US Code 1692f, 15 US Code 1692g, 15 US Code 1692j. am seeking {$1000.00} for each violation, as allowed under 15 US Code 1692k- civil liability, for the damage caused to my character. XXXX has also violated those same codes along with 15 US Code 1692 ( f ) ( 8 ), 15 US Code 1692 ( d ) ( 2 ), 15 US Code 1692 ( e ) ( 2 ) ( A ), 15 US Code 1692 ( f ) ( 7 ), 15 US Code 1692 ( f ) ( 6 ) ( a ), and violation of 15 US Code 1692 ( f ) ( 6 ) ( b ). XXXX has sent to different letters to me with different addresses stating and amount owed. I have also sent letters to them about this as well. I had received an email from CFPB stating that more time was needed for a response back but Experian and XXXX have reported on the account in that time frame.
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: Experian Information Solutions Inc. (MI)

I am writing to file a formal complaint regarding the persistence of inaccurate information on my credit report, specifically an incorrect address and an erroneous collection account.

Despite multiple attempts to rectify this matter, the credit reporting agency has failed to remove the inaccurate information. Pursuant to the Fair Credit Reporting Act ( FCRA ), Section 611, I am entitled to have inaccurate information promptly corrected or removed from my credit report. 

The incorrect address listed on my credit report is : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, AZ XXXX I have made diligent efforts to contact the credit reporting agency via mail to rectify this situation. However, these attempts have gone unanswered, and the incorrect address persists on my credit report. 

Additionally, I have reported an erroneous collection account by the name of XXXX XXXX XXXX, and despite my multiple attempts to have this removed, it remains on my credit report. I have records of these disputes and the requests I have made. 

I request the immediate removal of the inaccurate address and the collection account named XXXX XXXX XXXX from my credit report, in compliance with the FCRA provisions. 

Enclosed with this letter, please find copies of all relevant documentation supporting my claim, including proof of my correct address. 

I urge your prompt attention to this matter and request your assistance in resolving this issue swiftly.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (IL)

I filed disputes with all XXXX credit bureaus on XX/XX/2024 & XXXX 2024 to validate my debt & signature from both the collection & originating agency, as well as filed a complaint with the XXXX. It has been over the XXXX response time still with no answer. Pls have them delete all unfavorable/derogatory remarks & credit information from my file due to no validation, no agreement with collection agencies, wrong information, & suspicious fraud/criminal activity that compromises my identity which is XXXX of my personal information has been leaked on the XXXX  web. Also, LVNV Funding reopened a closed account for no apparent reason. This account should be deleted immediately. ( ( Pls. Note all agencies on pics provided have been disputed to all XXXX agencies with no response well after the XXXX time frame. ) ) Thank you.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (WA)

I have placed a credit freeze with all the 3 credit bureaus. However, I have been unable to lift my credit freeze with Equifax for more than 6 months now. 
I tried lifting the freeze through the website, but I am greeted with the error " We are temporarily unable to retrieve the status of your security freeze. Please try again later. '' I thought it was a website issue and tried again a few times for next 3 days. 
I then called their toll free number. After numerous attempts and long wait, I was able to reach an agent. The first agent disconnected the call after a long wait. 
The next agent said they couldn't verify me. I called again, and the agent was able to verify me, but wasn't able to understand why the website wouldn't lift the freeze, but the agent lifted the freeze. 
After repeated attempts I haven't been able to get Equifax to let me freeze/unfreeze my account through website.
Consumer complaint received 2024-04-07
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)

Dear Sir/Madam, I am writing to dispute the inaccurate information that has been reported by your agency on my consumer reports. Accounts ( XXXX XXXX ) ( XXXX bank XXXX XXXX ) ( XXXX bank XXXX ) XXXX has come to my attention that you have violated my consumer rights as outlined by the Fair Credit Reporting Act ( FCRA ), specifically under XXXX XXXX XXXX. 

According to XXXX XXXX XXXX ( XXXX ) ( a ), consumer reports shall not contain information solely pertaining to transactions or experiences between the consumer and the entity making the report. However, the information being reported by your agency does not accurately accurately report an instead is violating my consumer rights by reporting my transactions or experiences which XXXX XXXX XXXX ( XXXX ) ( a ) says is not a part of consumer report. 

Furthermore, under XXXX XXXX XXXX, creditors are prohibited from treating a payment on a credit card account as late for any purpose.It has come to my attention that late payments have been inaccurately reported on my accounts, which is a direct violation of this provision. 

Additionally, I have not provided any consent or signed any disclosure forms allowing the sharing of my information as required by XXXX XXXX XXXX. Nor have I given any permissible purpose for the sharing of my information as stated by XXXX XXXX XXXX. 

Therefore, I am formally requesting that all late payments be immediately removed from my account. I expect prompt action to rectify this matter and ensure that my consumer rights are upheld in accordance with the FCRA. 

Please provide written confirmation once the inaccurate information has been corrected and removed from my consumer reports. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-07
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. (NC)

i am writing to informally request the removal of certain inquires from my credit report that i did not authorizes. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

Dear Experian : To ensure that your company is reporting account 100 % accurately, I would like to know the procedures used to investigate this inaccurate collection account. Did you even conduct an investigation because it is still not reporting 100 % correctly?

1. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
2. Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.

Its sad that your company would ignore the FTC guidelines in regard to your investigation efforts. I wonder if other consumers are being affected by your lack of investigation. I would like to know to whom you talked with at the collectors office when you started your investigation? Also, please send me their complete address. In addition, please do not send your template letter on how you conduct an investigation. I want details on how you did this.

30 days should be enough time to get back with me. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-12-19
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. (GA)

Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you, written, unwritten, verbal, and nonverbal per 15 USC 6802. Opting out of reporting for accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-17
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: Experian Information Solutions Inc. (NJ)

Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Dear sir, Upon checking about 10 emails which was sent by your company, Experian, office for a few days, one dispute result was determined to be mentioned to your company ; even though some of these emails mentioned your company had performed for the conclusion for the closing of disputes. However, I did not see any changes and answers at all for the main questions, which I had asked for months. One email from XXXX mentioned on my XXXX XXXX XXXX credit card, account number XXXX, which I wonder why this office had the right to open so many credit card numbers compared with other credit report companies. Anyway, it had the comment, which told Account previously in dispute-investigation complete, reported by data furnisher. From the beginning, I have a question whether the investigation on dispute regarding this card number has completed or not. As far as I remember, I have not received any report or answer to this completed investigation ; therefore, if your company and/or office insists the investigation has completed, I request the official report on this matter to make me understand and clarify the matter. I also request who or which company is the data furnisher as a one XXXX, who is dedicating to learn how to treat the important personal information of higher education at XXXX XXXX XXXX University, as a victim of identity theft. 

Sincerely,
Consumer complaint received 2019-03-14
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

I am submitting an additional document for the previous complaint : XXXX. 
These documents are letters from Ocwen loan # XXXX, stating that the loan is paid in full. The letter is dated, XX/XX/2019, the date I wired the payoff amount to Ocwen. 
As I stated in my previous complaint, after I paid off the loan, I received a letter stating, Oops! we made a mistake you actually owe us an additional {$7000.00}. 
Please add this document to the previous documents I submitted.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. 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. Please update or remove the following inaccurate items in my 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
Consumer complaint received 2024-03-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: CrossCountry Mortgage LLC (MI)

My mortgage was transferred on XX/XX/XXXX to a new processor. My payment instructions paid the mortgage in full ( {$1500.00} ) and had a separate additional principal curtailment payment ( {$1500.00} ). 

Both payments were applied to my loan as regular payments, meaning the principal payment was not applied to the outstanding principal in whole, but instead interest and escrow were taken from it. 

I contacted Crosscountry on XX/XX/XXXX and their front line support did not understand the problem. 
I then filed an official notice of error on XX/XX/XXXX and they responded on XX/XX/XXXX that the payment would be fixed and reapplied as a curtailment. 

On XX/XX/XXXX the additional principal payment was fixed correctly. 

On XX/XX/XXXX, they reversed the payment and moved it to an unapplied forbearance account. 

On XX/XX/XXXX they used the forbearance account to pre-pay the next month instead of as a principal curtailment. Essentially reversing the remedy from their notice of error response. 

On XX/XX/XXXX I've filled a second notice of error with them. 

I have paid the monthly regular payments in full each month on time. They are misapplying principal curtailment payments as regular monthly payments.
Consumer complaint received 2023-06-19
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: NAVY FEDERAL CREDIT UNION (FL)

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 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 Code 1681a - Definition ; rules of construction- Exclusions -- Except as provided in paragraph the term " consumer report '' does not include -- any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card or loan account under an open end consumer credit or loan plan as late for purpose
Consumer complaint received 2024-03-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (WA)

in late XXXX we received a notice that newrez did not have our HOA hazard insurance on file ( despite having this mortgage for several years ). 

On XX/XX/XXXX we called newrez to understand how to get them this information and were told to send it to XXXX per the written documentation, their website, and phone support. 

We promptly send the required documentation at XX/XX/XXXX at XXXX XXXX XXXX requesting a confirmation back. We have yet to hear anything about receiving the proof of insurance. 

on XX/XX/XXXX we received a letter from Newrez informing us that they had not received proof and had then placed lender-placed insurance coverage on our property without our consent and despite providing them proof over a month earlier. This will cost us {$2300.00} taken out of our escrow account. 

All documentation & communication from Newrez has been through regular mail and no copies of this communication, request, or issue can be found on our account. We have not received any other form of communication ( via phone or email ) about the issue in question. We are setup for paperless communication and the ability to verify legitimacy is currently not possible.