davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-15
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: EQUIFAX, INC. (CA)

accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX and XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX and XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-12
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: ENCORE CAPITAL GROUP INC. (FL)

A few months ago I found out that I supposedly had a debt for an XXXX credit card, a card that I never and never before had knowledge of, I have never applied or obtained an XXXX credit card, and now this Company Midland Credit Management , INC I have been sued for non-payment, and once again I have been a victim of fraud and identity theft, previously my identity has been stolen several times and credit cards have been opened with my information, I have made reports to the police of all that and also now I made the report of this card that was opened again in my name, I do not have any credit cards for fear of fraud of which I have been a victim several times, I need you to see and understand that I am a victim of identity theft and I have not the slightest interest in having any credit card from any company for fear that my identity will continue to be stolen, thank you.
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

There is a current late pay reporting on my credit report that is not correct. The bank that reported the late pay has acknowledge through several correspondence that this was indeed an error. I called the XXXX major credit bureaus reporting this error and have provided them proof that this is an error, but they are still choosing to allow this misrepresentation to appear on my credit report. I also sent the XXXX major credit bureaus the letters that I received stating the same. Furthermore, the bank also claimed to have sent the same letters that they shared with me to the credit bureaus, yet these errors still remain. This is causing me great harm. I a hoping The Consumer Financial Protection Bureaus can assist me in making this wrong right.
Consumer complaint received 2022-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc (CA)

Two transactions were made in XXXX XXXX for {$75.00} and {$77.00} at XXXX XXXX. This was at XXXX XX/XX/2022. 
I noticed immediately while I was grocery shopping in XXXX at XXXX. Where I made a transaction around XXXX in XXXX CA XXXX I called my bank chime immediately at XXXX and filed a claim disputes for both fraudulent charges. I provided photo evidence of the transaction through my XXXX XXXX app, but they decided that the charges will be deducted from account and not refunded.
Consumer complaint received 2015-06-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (NY)

My credit report are inaccurate with account that are over 7 years oldthis impacts me and cause unfair treatment when I haveapplied for credit, all old information over 7 years must bedeleted especially when the when loan are current andoff
Consumer complaint received 2021-06-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (DC)

I filed a previous complaint # XXXX. The company responded on XX/XX/XXXX. However, they failed to send me a copy of their response. Their response is focused on their interaction with the loan owner rather than addressing whether or not they violated my rights as the Successor-In-Interest ( SII  ). 

They stated that in XXXX, I " submitted documents to review the account for modification assistance, however, each time the modification review was cancelled as you failed to submit the requested documents within the stipulated time frame to proceed with the modification review. Enclosed are the copies of the cancellation letters for your review. '' The cancellation letters were never received because they were sent to the wrong address. The address on the application for modification is clearly the addresss of the property not that XXXX. XXXX. Hence, I never received any documents and can not be held accountable for not receiving documents. In addition, when I contacted the company they refused to allow me to check on the status of my application. ( See attached email dated XX/XX/XXXX. ) They further stated that there were no calls or written correspondence from me from XXXX to XXXX. That can not be true given that my name is not on the loan and I was unknown to them until I submitted my divorce decree in XXXX and subsequent correspondence. In addition, if there was no calls or written correspondence from me then how on earth were they able to sue me for forclosure in XXXX. Then dismissed the case without prejudice when they realized I was not on the loan. 

In their response they stated, " Upon review of the court order, on XX/XX/XXXX, you were added as teh Successor-In-Interest ( SII ) on the account. '' However, they provided no documentation of such letter for review. The letter was sent in XX/XX/XXXX which I attached to the previous complaint as evidence that they violated my rights. 

Documents that should have been sent to me were sent to the wrong address. And the other documents were to Mr. XXXX pertaining to his trial modification plans that I had no knowledge of. Hence, I can not be held accountable for that information especially since they company refused to provide me any information on the account. Even the PHH Ombudsman sent a letter in XX/XX/XXXX stating they could not provide me information on the account. 

They stated they received documents for modification assistance which is currently under review. You will be provided withthe outcome shortly. '' Ironically, the next day a letter dated XX/XX/XXXX denied the modification. However, the did not evaluate a Repayment Plan. And I did not receive the letter by mail. I just happened to call the company because the 30 days were up. Had I not called, I would have no knowledge of the letter and I would have missed an opportunity to appeal. 

Lastly, the question that has not been addressed is ... Did PHH violate my rights as the SII and did they comply with the CFPB regulations regarding SII policies? Yes, they did.
Consumer complaint received 2016-09-13
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Mobiloans, LLC (CA)

I am a senior citizen. I took out a loan with this company and was conned into taking out this loan. The loan amount was for {$1100.00}. 

I now realize that I am paying {$90.00} interest every two weeks on this loan UNTILL IT IS PAID OFF SENIOR ABUSE. I DID NOT REALIZE THE AMOUNT OF MONEY THEY WERE CHARGING ME. IT IS CRIMINAL
Consumer complaint received 2024-02-29
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. (FL)

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 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act. I am attaching a Copy of the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 to cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-03
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: Experian Information Solutions 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 15 USC 1681. 


Account XXXX : XXXX Account XXXX : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

Ive requested Experian, XXXX and XXXX to remove all none mailable addresses from my credit report I live in Ohio I can not receive mail from all these other states thats being named. They said they were taking them off then update them and left them on my report. so if these companies mailing letters to a address Im not associated with this mail contains my personal information in them which somebody can steal my identity for there actions.
Consumer complaint received 2023-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (IL)

During the transition of the BP credit card from Synchrony to XXXX, I made a payment of {$120.00} on XX/XX/22 to Synchrony. While the balance on my card was transferred over to XXXX, that payment was not. I contacted XXXX first asking about the missing payment and was told to submit proof of payment which I did. In following up with XXXX, I was told theres nothing they can do because Synchrony is refusing to work with them for all customers with this same issue. I called Synchrony and they just transfer me back to XXXX. WHERE IS MY PAYMENT? It cleared my bank on XX/XX/22 but neither company claims to have it or be able to resolve it and return the funds.
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and correct them in my file immediately : 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 2016-02-21
Product: Credit card — 
Issue: Balance transfer — 
Company: AMERICAN EXPRESS COMPANY (FL)

American Express has decided to sell or transfer ALL their XXXX co-branded credit card accounts to XXXX. There is no option to continue with the current card. By doing this, XXXX customers ( Including me ) will now have to take a big hit on their credit report for not only closing an account, but opening another ( With the transfer ). They have done nothing to address this issue.
Consumer complaint received 2023-08-01
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (SC)

Dear CFPB, I am writing to you to formally file a complaint against XXXX due to their gross negligence and lack of transparency, which has led to a significant financial setback for me. 

In XXXX, I purchased a property with a mortgage from XXXX XXXX XXXX  which was later sold to PennyMac and in the closing disclosure document, my property tax was estimated at around {$2000.00} annually. However, I recently discovered that my property tax was escalated to {$8000.00} in XXXX due to my status as a non-resident in the county. This was a crucial detail that neither the mortgage company nor the local tax office had informed me about, thus depriving me of the opportunity to rectify my residency status. 

Despite this substantial change in the property tax assessment, PennyMac did not provide any notification until XX/XX/XXXX through an Escrow Analysis document, revealing a negative escrow balance and proposing an unexpected increase in my monthly mortgage payment. This delay in communication has led to a financial burden that could have been preventable with prompt and transparent communication. 

I have already expressed my concerns to the mortgage company and have made it clear that I do not accept the increase in my mortgage payment due to this issue. However, I have not yet received a satisfactory response or resolution from them. Given the magnitude of the problem, I feel compelled to involve your bureau in order to reach a fair resolution and to prevent such incidents from happening to others. 

Enclosed with this letter are copies of my original closing disclosure, the recent Escrow Analysis document from PennyMac, and the email correspondence I have had with them regarding this issue. 

I kindly request your assistance in investigating this matter and helping me reach a fair and just resolution. It is crucial that companies like PennyMac are held accountable for such oversights to ensure the rights and financial well-being of consumers. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX.
Consumer complaint received 2024-02-29
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. (PA)

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 2023-05-19
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: Experian Information Solutions Inc. (GA)

The following accounts and their respective creditors are in direct violations of the FRCA laws put in place to protect me as a consumer in this country. I have contacted by phone, and mail addressing my concerns regarding these fraudulent accounts formed as a direct result of identity theft, and there was no response or solution given as far as rectifying my issues is concerned. Please see below the accounts/creditors referenced above. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Below are the following US Code violations these entities have committed.

16 CFR 681.1 ( 2 ) ( iv ) 16 CFR 660.4 ( b ) ( i ) 16 CFR 660.4 ( b ) ( iii ) 16 CFR 660.4 ( d ) ( 1 ) 16 CFR 660.4 ( e ) ( 1 ) 16 CFR 660.4 ( e ) ( 2 ) 16 CFR 660.4 ( e ) ( 3 ) 16 CFR 660.4 ( e ) ( 4 ) 15 USC 1681 ( i ) ( 7 ) states that the consumer reporting agency shall provide to aconsumera description referred to in paragraph by not later than 15 days after receiving a request from theconsumerfor that description. 15 USC 1681 ( i ) ( 8 ) states that the deletion of the information should also come within 3 business days, and 15 USC 1681 ( i ) ( 8 ) ( a ) states that I must be informed by telephone of the deletion, which would show Experian, XXXX, and XXXX are all in direct violation. 

These credit bureaus and creditors are also in direct violation of 15 USC 1681c-2 ( a ) by continuing to report this fraudulent account to my credit report after numerous submissions of the necessary documentation proving I am not responsible for this debt. My rights are being violated and I will have to report this to the CFPB, FTC, XXXX, and the attorney general as well. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. None of the creditors listed above are physically capable of supplying this information, yet proceed with the continuous reporting of these fraudulent accounts ; directly violating my rights as a consumer that I am entitled to per the FCRA.

I have attached documentation the credit bureaus deem " required '' to block fraudulent information, to this complaint. I have previously supplied this information numerous times, and the credit bureaus, even while complying with their documentation requests, continuously refuse to comply. This is a blatant disrespect for the law, as well as my rights.
Consumer complaint received 2017-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

XXXX XXXX/XXXX paid in full and agreed to removal from all 3 credit bureaus. XXXX XXXX charged off but reporting twice okinus paid in full never late agreed to removal from all 3 credit bureaus.
Consumer complaint received 2017-11-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (AL)

This " XXXX XXXX XXXX '', aka " ERC '' of XXXX, FL., a predatory collection agency, continues to report false information about a debt that I was never liable for, for XXXX XXXX XXXX XXXX 

" ERC '' claims the debt originates to XX/XX/XXXX, for {$130.00}. They have been informed repeatedly that I NEVER had an account of ANY type with XXXX beforeXX/XX/XXXX ( when I signed up for cellular phone service after having been with XXXX before then ). 

" ERC '' continues to report the debt ( but paid ) as " valid '', as recently as XX/XX/XXXX without providing ANY verifying documentation as to the validity of the debt. " ERC '' 's only action has been to claim the debt is accurate and to report such to the 3B 's.