davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MD)

I am an XXXX year old widow whose loan wnet into default during my prolonged illness. I reached out to the mortgage company OCWEN LOAN Servicing and requested a loss mitigation packet. I did receive this packet and submitted a loss mitigation application in late XX/XX/2018 and received a response letter in XX/XX/2018 that the modification was denied. The stated reason for the denial was that in did not meet the proprietary requirements of the lender or the investor. And that NO resolution was possible. Since then, I have started to receive notices from the XXXX XXXX XXXX indicating that my deceased husband 's name was still on the loan and they needed to appoint a PR to open and close his interest in the property through an estate. Due to my illness, I missed the court date and the lawyer for their firm was appointed. Since then I have pleaded with the mortgage company to give us ( my daughter is assisting me with trying to resolve the matter ) a reasonable workout plan based on the default of $ XXXX ( at the time XX/XX/2018 ) it has now grown to a delinquency of {$78.00} XXXX ( XX/XX/2018 ) to no avail. They said that a 36 month delinquency left them with an only option of collecting the full amount for reinstatement of the LOAN. In the meantime, on XX/XX/2018 I received the court copies that the request to foreclose has been filed under CASE NUMBER XXXXXXXX-dated XX/XX/XXXX18.
Consumer complaint received 2024-04-21
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. (CO)

Subject : Immediate Request for Opt-Out and Deletion of Credit Report Tradelines XXXX  XXXX ACCOUNT ENDING XXXX I am contacting you to file a formal complaint and to assert my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), regarding unauthorized use and disclosure of my financial data. In accordance with 15 U.S.C. 6802, 15 U.S.C. 6805, the Privacy Act of 1974, and associated regulations, I am hereby revoking any permissions, whether explicitly or implicitly granted, for reporting my data.

My credit score has been detrimentally affected by such information that qualifies as non-public personal information under 16 CFR 313, enacted under the authority of 15 U.S.C. 6801. Furthermore, sections 313.7 and 313.7 ( f ) of the same code explicitly state my right as a consumer to opt-out of data reporting at any time, a right which I am exercising and formally requesting enforcement through this letter.

Here are the specific legislative and regulatory grounds for my request : 1. **15 U.S.C. 6802** - Mandates explicit consent for financial information disclosure, including a clear option to opt-out.

2. **16 CFR 313 ( Privacy of Consumer Financial Information ) ** - Ensures my right to privacy and to block unauthorized personal information disclosure.

3. **15 U.S.C. 1681** - Protects the accuracy, fairness, and privacy of information within consumer reporting agency files.

Based on these legal provisions, I demand the prompt removal of all details pertaining to my credit accounts from your records and reports. Non-compliance will force me to pursue further legal actions to safeguard my rights.

Please send me written confirmation that my data has been erased from your records and an updated copy of my credit report. For any further details required to facilitate this process, you can reach me directly at XXXX. 
I appreciate your immediate attention to this critical matter and anticipate prompt confirmation that my rights, as legally established, are being upheld.
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. (NC)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX Reported XXXX XXXX Amount {$2500.00} Act # XXXX XXXX XXXX XXXX XXXX Reported XXXX XXXX Amount {$260.00} Acct # XXXX XXXX XXXX XXXX XXXX Reported XXXX XXXX Amount {$580.00} Acct # XXXX
Consumer complaint received 2024-04-21
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. (GA)

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 XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C. 1681 Section 602 ( a ) outlines the Congressional findings regarding the critical role of Consumer Reporting Agencies ( CRAs ) in the XXXX XXXX XXXX XXXXt emphasizes the need for these agencies to exercise their responsibilities with fairness, impartiality, and respect for consumers right to privacy 15 U.S. Code 1681s2 outlines the responsibilities of furnishers of information to consumer reporting agencies.

15 U.S.C. 1681c outlines requirements related to information contained in consumer report 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 2024-04-21
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. (CO)

TRANSACTION HISTORY REMOVAL COMPLAINT I am writing to request the immediate removal of all transaction history, payment history and related balance information from my credit report for XXXX XXXX XXXX as reported by EQUIFAX and XXXX. This request is based on multiple violations of my privacy rights under several significant laws and regulations. 
The reporting of my information violates the Privacy Act of 1974, which protects personal information from unauthorized disclosure. It also contravenes 12 CFR 1022 ( Regulation V ), which requires the privacy and proper disposal of consumer information, ensuring data integrity and accuracy. Furthermore, under the Fair Credit Reporting Act, specifically 15 USC 1681 and 1681 ( b ), consumer reporting agencies are mandated to ensure all reported data is accurate, verified, and only made available for permissible purposes with the consumer 's explicit written consent, which I did not provide. 
Additionally, the XXXX XXXX, particularly sections 6801 through 6805, outlines the responsibilities of financial institutions to respect the privacy and protect the security of their consumer 's non-public personal information. This includes any identifiable financial information provided by a consumer that results from any transaction or service performed, which should not be disclosed without explicit written consent.

Given these breaches of legal obligations, I urge you to act promptly to remove the mentioned information from my credit report. I expect written confirmation of this action and am prepared to take further steps to enforce my rights if necessary.
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MO)

According to FCRA 605B, it's mandated to eliminate any erroneous accounts from my credit report. Can you review the documents? Certain accounts listed are inaccurately reported. Compensation of {$1000.00} is due for each such inaccuracy on my credit file.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MO)

Upon reviewing my XXXX and Equifax credit reports, I have identified inaccurate inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.
Consumer complaint received 2018-11-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (MN)

While returning on a flight from XXXX to XXXX on XX/XX/2018, I received a flyer from a flight attendant for a Delta Sky Miles credit card to join for XXXX bonus miles. The following day, I contacted the phone number on the flyer, and explained that I wanted to acquire this Sky Miles Delta card for the XXXX bonus sky mile points. 
I spoke at length about what I would need to do to follow all criteria on obtaining this card, and I agreed. I asked about cancelling the Blue American Express Delta Sky Miles card that was in my husbands name, and said that was no problem, as this was in my name. 
I was sent an email with Ref. # XXXX as my thanks for applying, telling me not to apply for another Gold Delta Sky Miles credit card during the application process. I did not. 
On XX/XX/2018, my new Delta Sky Miles card was sent. I enrolled in Online Access. 
I was sent an email that the Blue Delta Sky miles cards were cancelled. 
I proceeded to follow the rules of using the card to make sure I got my XXXX bonus sky miles, even calling American Express to make sure I was doing what I was supposed to do, and calling also about the {$50.00} Delta purchase I needed to make. 
In total, I probably called 6-7 times in the 6 months we were using this card.

One of the times I called, I spoke with a fellow about when my sky mile points would be posted. He wasn't exactly sure, but told me to wait until my XX/XX/2018 bill. He said " Don't worry, they will be on then ''. 
When I got my bill the end of XXXX, 2018, the points were not on, so I called. The person I talked to told me I was not enrolled in any special bonus points program. After speaking to him for about 10 minutes arguing about that fact, I asked to speak to a supervisor. XXXX came on the phone and told me that I was not enrolled in the program, When I asked what she was talking about, she said that I had already had a Delta Sky miles card in the past, so was not eligible for another one. She also stated that there were NO record of any calls from me to American Express in the last six months! I asked her if " I was in the XXXX XXXX? '' I was never, ever told this by anyone in the 6 months since I applied. 
If I had been told that, I never would have applied for this one. Why would I cancel a NO FEE card for a {$95.00} a year FEE card? 
I sent a complaint to the Attorney General of Minnesota, and American Express wrote them saying I would NOT be compensated. That they had listened to the calls and I was told about having had a card before, so I would not qualify for this one. I WAS NOT TOLD that. I want to hear those calls. 
When I called XXXX XXXX who was working on my case, she informed me to contact your department.
Consumer complaint received 2024-07-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Mr. Cooper Group Inc. (IL)

I am being charged a lender expense of {$60.00} in the transfer of my loan. A Mr. Cooper representative, via chat on XX/XX/year>, traced the fee to an appraisal on XX/XX/year>. I did not request an appraisal. My loan was also transferred in XXXX which leads me to believe the appraisal was conducted for that purpose which is the servicer 's cost of doing business, not mine. I did not request an appraisal or the transfer of my loan. Additionally, I am unable to pay extra towards principal as Mr. Cooper 's website states the expense must be paid before any additional funds can be applied towards the principal. Unfortunately, I learned from XXXX XXXX XXXX XXXX that it is a well known fact that it is impossible to get a representative on the phone. Every number and every option sends customers through an endless loop. Chat is truly the only option.
Consumer complaint received 2024-04-17
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. (CA)

am writing this letter with a sense of desperation and anger that anyone in my situation would understandably feel. I have provided concrete evidence in the form of an FTC, so I am utterly dismayed by your bureau 's unexpected and unjust denial of my identity theft claims. I was the victim, and I am baffled as to why the credit reporting agency is not adhering to the law, especially when the other bureaus have done so. I am particularly confused as to why this particular bureau seems to be ignoring my requests. Your refusal to do so is not just a failure of duty especially when the bank has already approved of removing the account from my file, but a disregard for the suffering I have endured. XXXX and XXXX have already removed this account from their records due to an identified error. I am confused about how you have verified it while the other bureaus have removed it. Please delete this from my file, as it is inaccurate, erroneous, incomplete, or unverifiable DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-10
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: WELLS FARGO & COMPANY (SC)

On XX/XX/XXXX I contacted Wells Fargo to request assistance with my mortgage. 
Wells Fargo only offered XXXX option which doubled my mortgage yet they stated this was the only option. The payments were to begin in XXXX. 
I made the XXXX mortgage payments in XXXX which have to be made separately on XXXX different days. 
In spite of the arrangement being made on XX/XX/XXXX, Wells Fargo proceeded to initiate foreclosure proceedings ILLEGALLY and WITHOUT proper and legal process service. 
I wasnt aware of this, as I wasnt notified. 
In XXXX I received a letter in the mail regarding a FINAL hearing on my home. I contacted HUD and the courts and filed a complaint with CFPB after failing to get any information from Wells Fargo. 
A representative from HUD contacted me regarding my mortgage. He sent a follow up email stating that he spoke with Wells Fargo and informed me that I needed to call and apply for a loan modification with partial claim and that this would bring the loan current. 
I contacted Wells Fargo and was told there is no such thing yet I proceeded with the application process in hopes that Wells Fargo would consider my account for any and all options. 
XXXX at Wells Fargo contacted me and I provided CFPB with recordings of the calls. 
Although Wells Fargo stated to HUD that I would be considered for XXXX Recovery Modification with a Partial Claim, they told me the opposite and my mortgage was not considered for the loan modification. 
Once again, the only offer made was for me to pay double my monthly mortgage and I can not afford that. 
I have emailed Wells Fargo to ask about a forbearance as Ive never received XXXX, and to date they havent responded. 
In my last complaint I stated the following : 1. Wells Fargo mortgage practices are discriminatory. They have committed more than XXXX illegal act however they refuse to correct the issue for example the lack of leg service process, their outright refusal to provide loan modification options that are offered to others. 
2. Ive asked Wells Fargo to remedy these grievances to which they continue to produce fraudulent outlandish documents and say that they have mailed them to me however I received nothing from Wells Fargo. After being spoken to you in a very disrespectful and derogatory I requested that Wells Fargo not call me unless There is a mediator to ensure that they will conduct themselves in a professional fashion. I have emailed Wells Fargo several times and they have yet to respond. 

I allowed enough time to lapse as to ensure that the complaint is not seen as frivolous or insubstantial. I have yet to receive a email from Wells Fargo regarding the application or the request for mortgage assistance.
Consumer complaint received 2024-07-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (AZ)

Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2023-11-08
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)

Identity Theft report # XXXX is attached to this complaint with the following fraudulent account that must be removed from my TransUnion consumer report : XXXX XXXX XXXX XXXX. acct # XXXX
Consumer complaint received 2024-04-28
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. (GA)

I've reached out to XXXX several times to inform them that they are in violation of federal law by reporting and disclosing my non-public personal information 15 U.S.C 6801
Consumer complaint received 2024-04-27
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. (NY)

Subject : Inconsistent and Inaccurate Reporting by XXXX XXXXXXXX and XXXX Complaint Details : I am submitting this complaint regarding the inconsistent and inaccurate reporting of my debt by XXXX  XXXX ( Account Number : # XXXX ) and XXXX XXXX I demand a ESCALATION ON THIS INVESTIGATION because Despite providing proof of the discrepancies, XXXX continues to validate the debt as accurate. 

Inconsistencies : Last activity date : - XXXX : XX/XX/XXXX - Equifax : XX/XX/XXXX - XXXX  : XX/XX/XXXX Late payments : - XXXX : XXXX XX/XX/XXXX day late payments- Equifax and XXXX : XXXX 30-day late payment Payment history : - XXXX : 100 % payment history - Equifax : 98 % payment history - XXXX  : 93 % payment history Harm caused : Inaccurate reporting has negatively affected my credit score and ability to obtain credit. 
I have experienced emotional distress and frustration due to the lack of resolution despite providing proof of the discrepancies. 
I demand immediate escalation of this investigation and removal of the inaccurate information from my credit report. 

Request : Investigate XXXX XXXX and XXXX for inaccurate and inconsistent reporting. 
Require XXXX XXXX to provide proof of any late payments. 
Remove the inaccurate information from my credit report. 
Take appropriate actions to ensure the accuracy and consistency of credit reporting. 

I also demand proof of last payment or activity & written documents of each step took in this investigation. 

I will also like an explanation for the inconsistent reporting, including : Reason for different last activity dates across credit bureaus. 

" I am disputing the information reported by XXXX  XXXX on my credit report due to significant inconsistencies and inaccuracies. Specifically, the last activity date and late payment information are contradictory across credit bureaus, violating FCRA sections 605 ( a ) and 605 ( b ). Despite my previous disputes, XXXX  XXXX has failed to correct this information ( FCRA 623 ( a ) ( 1 ) ) and conduct a reasonable reinvestigation ( FCRA 623 ( a ) ( 2 ) ). I demand immediate correction and removal of the inaccurate information to rectify this situation and ensure my credit report accurately reflects my financial history.
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TN)

Equifax is not allowing lenders nor my bank to pull my credit report. This has stopped me from getting a mortgage loan with my banks/lenders because creditors are not able to pull my Equifax credit report.
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WA)

After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.
Consumer complaint received 2024-04-25
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. (FL)

I'm a victim of identity Theft. My information has been exposed in the Equifax data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX XXXX : {$220.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$570.00} XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX Balance Owed : {$2600.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$1800.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1400.00} XXXX  XXXX Balance Owed : {$87.00} XXXX XXXX XXXX XXXX Balance Owed : {$700.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX