davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-10-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY (SC)

American Express promised me that they would not report me as being late for the month of XXXX XXXX XXXX under the Fair Credit Reporting Act 15 U.S.C. 1681. I was never late before or after the XXXX related issue.
Consumer complaint received 2023-06-24
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. (FL)

This is a follow up to # XXXX they results came back as not specified that is un acceptable and it should be delated off my credit report because they did not verify the account just saying not specified when i sent a letter from the court saying they don't report to no one on a bankruptcy, they are violating my rights i want this deleted off my report.
Consumer complaint received 2022-12-19
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. (IL)

I have disputed this account for years asking XXXX  how they came to report the information they was reporting to the major 3 Credit companies finally XXXX stated it was because of returned mail XXXX went into my account without my consent ( during the pandemic ) changed missed payments to payments being made on time when no actually payments had been made since XX/XX/2019. When XXXX changed this information in thier system and then reported it to 3 major credit companies XXXX falsely manipulating the statue of limitation by reporting payments that was never made causing me more financial hardship. I have asked XXXX in several letters under what authority/policy was XXXX able to legally make this decision on my behalf without my consent. At this point I am ready to take this to court and have a judge finally get a straight answer from XXXX So that there is no miss understanding of what I am asking. Under what authority/policy law XXXX was acting under that allowed XXXX to make a financial decision on behalf without my consent by bringing my account current because of returned mail. also this account was removed from XXXX
Consumer complaint received 2024-04-06
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc. (NC)

There appears to be a lack of accountability and a lack quality control around processes and procedures in addition to UDAAP violations involving borrower whose hardship is clearly defined as UNEMPLOYED. Please READ below and provide the appropriate resolution to the imminent issue brought before RUSHMORE SERVICING on or around XX/XX/XXXX dating back to XX/XX/XXXX. 

PREFACE : The borrower was indeed repeatedly misinformed and intentionally misguided by RUSHMORE SERVICING and subsequently XXXX XXXX  over the course of 90 days. Both servicers repeatedly presented barriers to prevent the completion of required SFB Forbearance. The scope of the violations are clearly defined in the CFPB procedural codes as follows but not limited to 1024.41 ( c ) ( 2 ) ( iv ) and 1024.41 ( k ) ( 2 ) ( ii ) ( b ) and in compliance with FHA SFH ( Title III.A.2.j.iii ) policy guidelines and the ML dated XX/XX/XXXX. The borrower repeatedly stated hardship, provided written documentation from the borrower, and the due diligence governing body validating and substantiating the hardship claim of ( unemployment and NO continuous INCOME ) or verified means of repayment as REQUIRED for steps 1 and 2 of the waterfall and financial analysis calculation ; as well as RUSHMORE SERVICING having access to the Federal Bureau of Labor Statistics inflation report to determine the increase in the cost of living relative to the CPI. 

FHA GUIDELINES : The federal guidelines clearly state in ( Title III.A.2.k.iv ) The Mortgagee may offer the Borrower an Informal or Formal Forbearance prior to reviewing the Borrower for a COVID-19 Recovery Home Retention Option. If the Borrowers financial hardship is due to unemployment regardless of occupancy status, the Mortgagee MUST OFFER the SFB-Unemployment to eligible Borrowers PRIOR to reviewing the Borrower for a COVID-19 Recovery Home Retention Option. The Mortgagee must ensure all requirements for a Special ForbearanceUnemployment are met except for the occupancy requirement and the Defaulted Mortgage Status. The Mortgage must meet the following conditions at the time the Mortgagee approves the SFB-Unemployment Option : - be no more than 12 months due and unpaid ; and not be in foreclosure, or foreclosure action has been suspended or canceled. - Cleared of having NO delinquent debt ( mortgage in default or imminent default CAN NOT be considered delinquent non-tax federal debt ) - HAMPS are SUSPENDED and NO HAMPS of any kind can be offered until after XX/XX/XXXX. - Partial Claim requires the ability to resume monthly payments at current rate or less given there is verified continuous income at the time of consideration to support the resumption of monthly payments within 30 days of signed agreement. - SFDMS disposition AB67 and AR98 NOT AR50 or AR53 Follow-Up XXXX
Consumer complaint received 2022-05-31
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)

n 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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt These are the accounts that are in violation XXXX  ACC # XXXX, XXXX XXXX XXXX XXXX  # XXXX, XXXX  # XXXX, XXXX  # XXXX
Consumer complaint received 2017-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (CA)

I referred my friend to apply southwest credit card at XXXX XXXX XXXX, which should be considered as proper channel. I tried twice to send email to her through the system. Maybe because her email address is in our email opt-out database, no email will be sent. Anyway, she applied the card use the same email and got approved. But I did n't see the bonus point posted to my account which suppose to be XXXX bonus points. Thus, I sent few emails / called to ask. Then, Chase asked me to provide my friend 's information, including name, address, credit number etc, and asked me to wait for the credits to my account. I waited and no respond anymore since XX/XX/XXXX. Then, I filled this complaint form.
Consumer complaint received 2019-06-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC (RI)

Hi, upon checking my credit files I saw I have a collection account with Security Credit Services LL and it said the original creditor is XXXX XXXX ( both companies I do not know nor heard of ), I reached out to all 3 credit bureaus ( certified returned receipt ) and asked them for any documents they have on my file with this company, they sent me a letter saying that this account was verified as accurate by this collection company and to reached Security Credit Services LLC directly if I wanted more information. On XX/XX/2019 I sent them a certified letter asking them for any documents bearing my signature or any contract to see if someone stole my identity or what because I have not NEVER in my life opened any account whatsoever with any of them, they have not answered any letter and keep on reporting this negative account to the credit bureaus damaging my credit file. I want to buy a home in the coming months and when I went to check my file and this is what I found, now I have to litigate this knowing I have never opened any type of account with them. They never sent me any letter NEVER saying that I had a collection account with them nor to dispute this on 30 days, nothing at all. I want this deleted from all my credit files please.
Consumer complaint received 2019-11-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NPAS, Inc. (VA)

I received service at the XXXX XXXX XXXX in XXXX, VA in XX/XX/2018. 
I was billed wrongly but after disputing the initial bill, XXXX XXXX XXXX adjusted the cost and sent a new bill. 
My insurance company paid their portion and I received my EOB ( Explanation of Benefits ) from my insurance Company that I owe XXXX XXXX XXXX {$510.00}. 
I sent a check to XXXX XXXX XXXX in the full amount of {$510.00}. 

I started getting calls from XXXX XXXX XXXX that I still owe an additional {$80.00}. 
I called my insurance company ( XXXX ) and they had me on the line and called XXXX XXXX XXXX to let them know how much I was to pay them. 
XXXX XXXX XXXX asked my insurance company to fax my EOB which they did. 
Few weeks later, XXXX XXXX XXXX called again to say I still owed them money. I disputed it and they asked me to fax them another copy of my EOB which I did. 
Months later, and subsequently afterwards, I kept getting calls from NPAS on behalf of XXXX XXXX XXXX saying that I owed them money. 

I have since faxed another copy of my EOB and mailed another to their P.O. Box but the calls woud n't stop. 

This is my complaint of harassment by the XXXX XXXX XXXX.
Consumer complaint received 2024-04-06
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Duncan Solutions, lnc. (TX)

Definitions : CONSUMER means I, me. Victim of identity theft and FDCPA violations. 
CORPORATION means XXXX CORPORATIONS means XXXX AND Professional Account Management , LLC Background : Beginning around XX/XX/XXXX, XXXX ( XXXX ) attempted an illegal contract and extension of credit with the CONSUMER that included other stolen information. The XXXX created and account using the name and likeness of the CONSUMER for employment and unjust enrichment purposes thus committing identity theft. 
The XXXX continued to forward threatening correspondence to CONSUMER to continue their deceit in an organized attempt to defraud. The CONSUMER forwarded several notices of rejection of their persistent offer to contract. The CORPORATION then proceeded to sale and/or transfer the account to Professional Account Management , LLC ( CORPORATIONS ). Mailings from the CORPORATIONS began in XXXX of XXXX. 
Neither of the CORPORATIONS are known by the CONSUMER. The CORPORATIONS were forwarded : XXXX ) Cease and Desist ( XXXX XXXX, delivered to an individual at the address at XXXX am on XX/XX/XXXX ) XXXX ) XXXX NOTICE OF FDCPA VIOLATIONS, CIVIL LIABILITY & MAIL FRAUD ( XXXX XXXX, delivered to an individual at the address at XXXX pm on XX/XX/XXXX ) XXXX ) DEFAULT JUDGEMENT & XXXX NOTICE OF FDCPA VIOLATIONS, CIVIL LIABILITY & MAIL FRAUD ( XXXX XXXX, delivered to and signed for by XXXX XXXX at the address at XXXX am on XX/XX/XXXX ) As of this CFPB complaint filing, the CORPORATIONS have ignored all written correspondence and a default judgement has been entered against them. 
XXXX XXXX evidence of FDCPA violations, mail fraud, and collection of credit by extortionate means by the CORPORATIONS are included and attached as exhibits. 
Civil liability damages are now due effective immediately by the CORPORATIONS. 
This information is first-hand, true, and correct to the best of my knowledge.
Consumer complaint received 2022-05-31
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: United PanAm Financial Corp. (TX)

XXXX XXXX XXXX # Case XXXX FTC # Report Number XXXX Attorney General Attachment also included. 


NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 United AutoXXXX is violating 15 U.S.C. Sec. 1681i ( a )? I want this accounts deleted since its not being reported correctly. I called and confirmed with XXXX that this account is being reported open and also has been charged off, which is an illegal violation. I saw on a XXXX XXXX and XXXX where this lawyer said you have 30 days to complete this investigation. Please reinvestigate and delete off my report, or else I will be seeking {$1000.00} in Monetary compensation per violation. 

Once an account is charged-off it should never appear as open. With a charge-off the original creditor is declaring the debt to be uncollectible. It could be that the debt has gone to a collection agency and what you may be seeing is an open account in collection. Collection accounts are reported with an open status, until the debt is paid or the collection agencys authority to seek payment is terminated.
Consumer complaint received 2022-05-31
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (VA)

Complaint on 1st Lien On my 1st Lien, Ocwen continues the pattern of behavior of the debt collector seeking to collect and enforce a nonexistent debt for a nonexistent claimant. 

In this particular case, The current debt collector '' / servicer is PHH Mortgage. 
The past debt collector / servicer was Ocwen Loan Servicing LLC The nonexistent debt is the primary lien for the property located at XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, VA XXXX. 
The non-existent claimant appears to be a XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Mortgage Pass-Through Certificates, Series 2006-SA2. 


1st Lien History Ocwen Loan Servicing LLC was servicing my first lien just like my 2nd lien but was transferred over to PHH Mortgage in XXXX. 
In XXXX when I inquired about the owner of the note from Ocwen Loan Servicing LLC, they reported that XXXX XXXX XXXX XXXX, as Trustee for XXXX XXXX XXXX XXXX XXXX, XXXX, Mortgage Pass-Through Certificates, Series 2006-SA2 ( See Attachment C ). 
In XXXX when I inquired about the owner of the note from PHH Mortgage, they reported that Ocwen Master Servicing, as Trustee for XXXX XXXX XXXX XXXX XXXX  XXXX, Mortgage Pass-Through Certificates, Series 2006-SA2 ( See Attachment D ). 
Looking at the difference, the trustee changed from XXXX XXXX XXXX XXXX to Ocwen Master Trust. With no legal claimant ( a person or entity that can show that they paid value for the debt- Virginia Code 8.9A-203 ), any proceeds or collections of mortgage payments go directly to Ocwen. 
Closing Thoughts on 1st Lien Just like the junior lien, there is an nonexistent debt from an nonexistent claimant/ owner. Again, Ocwen has taken advantage of this information and has placed themselves as the Trustee of the Trust. 

If I didnt have proof of what Ocwen did on my second mortgage, I would not file a complaint. But because, Ocwens wrongdoing on my second mortgage, the same can be said on my first mortgage. Ocwen / PHH Mortgage knows that there is no claimant / owner who has paid value for the debt- Virginia Code 8.9A-203. 

Please help me to get answers from Ocwen / PHH Mortgage and they need to be held accountable for their actions on the 1 Lien. In their defense, I am sure they will say they have the mortgage note but because of their past actions on my second mortgage, Ocwen / PHH Mortgage needs to show 1 ) Existence of the Lender and 2 ) Existence of the debt ( unpaid loan balance - Virginia Code 8.9A-203 ). Again if an audit was performed, I am sure all payments will show them going directly to Ocwen and not to a nonexistent claimant.
Consumer complaint received 2022-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (AZ)

I am sending this complaint to inform you that I am a victim of identity theft. I researched on how to remove the unauthorized inquiries in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report. Per FCRA section 605b, Credit Reporting Agencies are required to remove/block any items listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which is being posted on my report. 

Here is the list of the items which do not belong to me or were opened without my permission. 
XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-05-31
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. (MS)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, Account # XXXX, Account # XXXX, XXXX XXXX Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX Account # - XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX 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 2020-02-14
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. (PA)

I recently received a copy of my credit report and I discovered fraudulent accounts reporting false information on my credit report. My personal information was exposed in recent breaches and made my identity vulnerable. This fraudulent information on my report was a result of identity theft. 

The accounts are : XXXX XXXX XXXX / XXXX XXXX  account # XXXX amount {$510.00} XXXX XXXX XXXX account # XXXX amount {$4100.00} XXXX XXXX account # XXXX amount {$4900.00} XXXX/XXXX  account # XXXX amount {$1600.00} XXXX XXXX   account # XXXX amount {$8400.00}
Consumer complaint received 2019-06-29
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (TX)

XXXX XXXX XXXX has been reporting erroneously for years in multiple ways. 
Currently, after many letters, XXXX XXXX reports first major delinquency on XXXX as XXXX, XXXX for a time-barred account from XX/XX/XXXX. 
They were simultaneously using XXXX as well but now it is all XXXX XXXX XXXX. 
The parent company is XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX Phone : XXXX I had had the original acct since the early 80 's which was in good standing until the last year. An abuser in my life caused havoc in every way imaginable. I am lucky to have lived through it. First thing on this card, the interest was raised from about 11 % to 29 %. I had just lost my home of 28 years which I ended up paying off when it was mysteriously transferred to XXXX XXXXXXXX ( XXXX was soon taken over by the government and my life savings so to speak was gone forever. ) I was totally uprooted and having to drive more in relocating. The house is now on the tax rolls for over {$400000.00}. so a few people made off like bandits on my equity and my property.
Consumer complaint received 2022-05-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (TX)

WF CRD svc, THIS BANK SENT A REPORT THAT I PAID LESS THAN THE FULL BALANCE THIS REALLY DAMAGE MY RECORD, WE SETTLED AN AMOUNT XXXX OR SO. TO PAID AND THEY AGREED THE AMOUNT BEING PAY MONTHLY SO STARTING PAYING ON XX/XX/XXXX AND CANCELING THE DEBT ON XX/XX/XXXX. WF CRD SVC NEW THAT I LOST MY JOB THEY OFFERED ME TO SETTLED LESS IN ORDER TO PUT THE ACCOUNT IN GOOD STANDING. BY THEY SENDING THE REPORT IN NEGATIVE STANDING IS REALLY IMPACTING MY CREDICT SCORED. I PAID ON TIME AS WE ( ME AND THE WF CRD SRV AGREED ) WHY THIS ACCOUNT IS NEGATIVELY REPORTED ON THE BUREAUS? i WISH TO SOLVE THIS ISSUE AND AND HOPEFULLY THE NEGATIVETLY BE DELETED INMEDIATELY. PLEASE. THANK YOU
Consumer complaint received 2019-11-25
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (OR)

Received 3 emails on Monday, XX/XX/2019, between XXXX to XXXX PST from Synchrony Bank : 1. Action required on your application 2. A trial deposit has been successfully made 3. A trial deposit has been successfully made to your Amazon Creditbuilder. 

I never applied for any Amazon credit cards. Contacted Amazon and they told me to contact Synchrony Bank. Synchrony Bank is impossible to contact as either none of their phone numbers work or their automated system won't let you talk to a human. 

This is fraud and I want it dealt with, however, this bank appears to be less than standard since even trying to directly contact their fraud department runs me into the same issue where I can not get a number to work or they throw me off the automated line.