davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

Ive had a problem with my mortgage company PHH mortgage services. 
I have notified my mortgage provider that my bank accounts were compromised due to an illegal and unlawful intrusion into two of my banking checking accounts. This intrusion took place between XX/XX/2022 through to XX/XX/2022. 

When I pay my payments, I set up an ACH or an automatic withdrawal from my account. This is how I pay my mortgage since origination. I always make online schedule payments to be paid to my account but in this particular situation, I requested payment to be made and those payments were canceled due to the fact that my bank without prior notification, closed any access to withdraw or deposit to this account due to the fact that there was an intrusion. My banks fraud department proceeded to investigate.

Fraud packets were sent to the credit card agency as well as my mortgage company. Also there was two letters from my bank taking ownership for prematurely do an emergency freeze of my accounts without prior notification. This action was historical to my account and was out of the ordinary if you look at my baking history.

I requested my mortgage company to update this information. And I sent in the documents that they requested so that they may review it. Before the documents could even be received by the mortgage company , the mortgage company responded back stating that the information was accurate. Without the documentation from the banks I find that very difficult to make this determination.

I also have an issue with the fact that this mortgage company servicer, stated that they received the documents even though they did not. This means that no investigation was conducted because there was no documentation received in order to review. Undoubtably this mortgage servicer did not complete a proper investigation into my request. The credit report Nac did not conduct a proper investigation if they did not have the documentation from the mortgage servicer to make a proper decision. These companies are just making decisions and not actually going through the actual process of review. This is unfair to every consumer who puts their faith in a mortgage service provider to do the right thing and to actually investigate and review request by the consumers. Falsifying information and stating that you did something when you didnt have the documentation to do it is of a gross negligence nature.
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 — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

: Complaint Regarding Inaccurate Information on Credit Report Complainant : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Complaint against : XXXX XXXX XXXX XXXX XXXX Experian, XXXX XXXX XXXX XXXX Dispute of Erroneous Information on Credit Report I am writing to file a complaint against the three major credit reporting agenciesExperian, XXXX, and XXXX  inaccurate and erroneous reporting on my credit file. My name is XXXX XXXX, and I reside at XXXX XXXX XXXX XXXX XXXX, IL XXXX. 
Below are the details of the disputed accounts and information : * XXXX XXXX - {$600.00} * Account charged off, past due as of XX/XX/2023. 
* Account type : Credit card, Closed. 
* XXXX XXXX XXXX XXXX  - {$11000.00} and {$9200.00} * Account charged off, past due as of XX/XX/2023. 
* Account type : Auto Loan, Closed.

* XXXX XXXX XXXX - {$1500.00} * Collection account, past due as of XX/XX/2023. 
* Original creditor : XXXX XXXX, XXXX XXXX, XXXX. 
* XXXX XXXX - {$130.00} * Account charged off, past due as of XX/XX/2023. 
* Account type : Credit card, Closed. 
* XXXX XXXX XXXX - {$24.00} * Account charged off, past due as of XX/XX/2023. 
* Account type : Secured Card, Closed. 
* XXXX XXXX XXXX - Secured Loan * Paid, Closed with late payments. 
I believe this issue may be a violation of the Fair Credit Reporting Act ( FCRA ) and require immediate attention. 
I have made several attempts to correct these inaccuracies with the credit reporting agencies without success. These negative items are impacting my credit score and ability to obtain credit. I request the CFPB 's assistance in investigating these errors and ensuring that my credit report accurately reflects my financial history. 
Enclosed, please find copies of my correspondence with the credit reporting agencies, along with supporting documents that prove the inaccuracies. 
Thank you for your attention to this matter. I look forward to a prompt resolution. 
Sincerely,
Consumer complaint received 2018-04-16
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: Experian Information Solutions Inc. (CO)

Experian alerts me to a change in my score. It was over 800 for quite a long time. Then they arbitrarily lower it, again and again. When I spoke to them about why, they gave conflicting statements. Saying at different times that the same thing has a positive and then later said it has a negative impact on my score.

Today a new report was generated, they lowered my score again ( I am about to close on buying a home ) on the Overview page of the site when I log in, it says reason for change ... whats impacting your score, your credit usage is LOW then when I go to the Score page, under whats hurting your score, credit usage is HIGH says heavy usage of revolving credit. So the site explanations are in conflict with each other. Additionally, I only have 2 credit cards, and currently have a balance of {$320.00} on

one of them. We have no other revolving credit accounts.
I have asked them to articulate how they lower and then re raise and then lower my score sometimes several times in a month when my activity had remained unchanged for a few years. Why would you lower my score 27 points? Then raise the next month 27 points? Then lower it again ... and their website does not nor can they properly explain in my case why they are doing that. Nothing they say makes sense, they only give you the run around and give conflicting explanations all which make no sense.

How is it that they can be allowed to affect your score so dramatically and then offer no sound reason?

Lastly, I tried calling Experian again today, the number on the site often doesnt work, then when it does, you step through all the choices ... and it hangs up. Not professional and not confidence instilling at all.

Very frustrated and sad.
Consumer complaint received 2023-01-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (WI)

I received haf funds XX/XX/XXXX. XXXX/shell point has doubly applied these funds on my regular monthly payments which includes insurance and escrow and as a separate fee for past due escrow as well that would be covered by the regular monthly payments applied. They charged me over XXXX XXXX in servicing fees during my forbearance and charged late fees. 
Before going into forbearance I was in a modification. I made the three necessary payments XXXX XXXX and XXXX plus made XXXX 's payments before requesting forbearance in XXXX of XXXX. XXXX  pulled the modification out from under me even though I was current and in covid forbearance and charged me for more than the amount I would have owed if I had not complied. Haf funds were to be applied as though normal monthly payments were paid on time. The credit bureau was not to be given report of missed payments however I was removed from my modification and overcharged, I had twelve months of missed payments to the credit bureau, I was over charged for the amount I would have owed had I not complied with my modification, my monthly payments were applied in full with haf funds but late fees and servicing fees in ridiculous amounts were charged and a separate amount of over {$14000.00} was taken for escrow and insurance even though it was included in the monthly payment. I had reported them immediately to the department of financial institutions in XXXX WI in XXXX and the woman on my case XXXX XXXX is still awaiting paperwork from XXXX  now shell point. In order to buy time I submitted a request for modification on XXXX XXXX XXXX, i picked up the certified loss mitigation package at the post office on XX/XX/XXXX. On XX/XX/XXXX I sent out the loss mitigation package and hardship letter. On XX/XX/XXXX I received a stand alone partial claim offer dated XX/XX/XXXX and XXXX days later a loss mitigation package dated XXXX XXXX  appeared in my mailbox with absolutely no postmark whatsoever. They are trying to justify the stand alone partial claim offered by making it look like I applied for modification on XXXX XXXX  however I have all documents necessary to prove that I did not request on that date but I did on XXXX XXXX  and I have the certified envelope I received from the post office. They said I applied XXXX XXXX  yet on XX/XX/XXXX reported late payment to the credit bureau. Also with haf fund rewards applied as though all payments were made on time and since I have been making on time regular payments for five years and nine months I find it impossible to see how anyone can believe that I have paid no more than 2 % of my mortgage and my current balance is less than a XXXX dollars below my original loan balance.
Consumer complaint received 2023-01-05
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: EQUIFAX, INC. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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 2023-01-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 2023-11-03
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. (NY)

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. 


XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc. (NC)

Medical Data Systems is reporting on my credit as owing them {$100.00} with a date of delinquency XX/XX/XXXX and a reporting date of XX/XX/XXXX. There is a statute of limitations of 3 years in the state of North Carolina. 
Violations : 1. Defamation of Character - Information has been published and communicated to a third party.

2. Validation and Verification has not been provided as requested. 

3. Permissible Purpose Law- The law requires that these entities obtain the consumer 's consent prior to collecting and using their information, and that they must take reasonable steps to ensure the accuracy and security of the information. The law also grants consumers the right to dispute inaccurate or incomplete information in their credit reports.
Consumer complaint received 2023-05-06
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. (GA)

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2023-01-05
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. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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.
Consumer complaint received 2023-01-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (TN)

Deposited a mobile deposit. Discover Bank took the deposit, theres no problem with the check. 3 days later it still hadnt been put into my account. So I called. They said there was a problem with their system, but they would honor the payments I made to other companies iff that check. I checked my account later in the afternoon, and they had sent payments back even though they knew it was their XXXX issues. So I called spoke to someone who had a baby in the top. With her. She was obviously working from home, and there is no way of knowing who else was in the room. Discover says they have no idea when it will be fixed and they are now intentionally hurting my credit and causing fees, with no end in sight.
Consumer complaint received 2023-01-05
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. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXXXXXX 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.
Consumer complaint received 2024-04-01
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. (IN)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) require the XXXX credit bureaus to confirm these records ( XXXX ). ( A ). I'm confident the contested records are settled. 

XXXX XXXX XXXX XXXX Owed : {$9600.00} XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$910.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$150.00} XXXX XXXX XXXX XXXX Balance Owed : {$570.00} 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 XXXXXX/XX/XXXX
Consumer complaint received 2022-12-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UMB FINANCIAL CORPORATION (CA)

I placed a check refill order. The checks never arrived. Someone got the checks and used forged signatures to withdraw money from my account fraudulently for a total of {$61000.00}. 

I became aware of the fraud on XX/XX/2022 and contacted both customer service and the police that day. It took 55 days for them to mail be a claim packet. I filled out the claim, had it notarized, and sent it on XX/XX/2022. 

XXXX XXXX XXXX  has not returned these funds. 
XXXX XXXX XXXX has not contacted me with any updates. 

XXXX Police XXXX XXXX : XXXX
Consumer complaint received 2022-10-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Per Consumer Law, 15 U.S.C 1681b - Credit reporting agencies such as, Transition, XXXX, and XXXX does not have the right to report anything or any matter with a consumers written consent. 

15 U.S.C 1681c - 1 Without my written consent these items still remain on my credit and I want them removed immediately because this is identity theft. 

Company Name : XXXX XXXX XXXX  Date : XXXX 2022 Amount : {$990.00} Actions That Were Taken ; I submitted identity theft paperwork as well as a police report. 


Fraud Account Remove Immediately. 
Company Name : XXXX  Date : XXXX 2022 Amount : {$0.00} Actions That Were Taken ; I submitted identity theft paperwork as well as a police report.
Consumer complaint received 2023-01-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The inquiry was not authorized SYNCB Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
2. The inquiry was not authorized XXXX OF XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
3. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 
4. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
10. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
11. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
12. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
13. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
14. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
15. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2018-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (TX)

My sister was diagnose with XXXX XXXX XXXX in XX/XX/2013. My signed over power of attorney to me. I contacted Citi Financial Mortgage company and requested a loan modification. They strung me along to 10 months or so. At the end of the process they claimed I fail send a document. I sent proof that the document was sent as requested. By stringing me along they were able to steal almost all of my equity in late fee etc.

We estimate that we lost over $ 40k in being manipulated by Citi Financial. We used our funds and credit to tie up my sister affairs thinking we were going get our equity. Now the same creditor is threatening filing a suit against me. They are the very reason I was not able to pay the credit card off because they manipulated me out of fund in the equity process. This is company is responsible for ruining millions credit rating by extending a certain line of credit only to reduce it later for credit score trapping.
Consumer complaint received 2022-12-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (CA)

I have a collection in my credit for the amount of {$1500.00} for XXXX XXXX which I never contracted or ever had XXXX XXXX This debt was reported to collections on XX/XX/2022.