davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-13
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: Clarity Services (FL)

This new complaint is in response to a recent one ending in XXXX against Clarity Services. Their response to me was robotic and made no sense whatsoever : " In response to this complaint, on XX/XX/XXXX, Clarity Services Clarity contacted the consumer to request the information necessary to assist with their concerns. On XX/XX/XXXX, Clarity contacted the consumer to assist with their concerns. On XX/XX/XXXX, Clarity received the information to verify the consumer. On that same day, Clarity processed their dispute request. As of XX/XX/XXXX, the consumer has not requested any further actions be taken with their file. '' I was and am disputing within CFPB 's platform. I already stated from the BEGINNING what my complaint and desired resolution was : an inquiry that's illegally reporting and needs to be deleted immediately! So what in the world were they talking about that " consumer has not requested any further actions be taken with their file ''??? That's not true. Moreover, I have no clue where this inquiry came from and Clarity responded to me with ZERO PROOF of where this rogue hard inquiry came from! The illegal inquiry was made by them on XX/XX/XXXX and needs to be deleted! It's unauthorized & not mine! My ID is attached!
Consumer complaint received 2020-01-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MD)

My Mother died XX/XX/XXXX. I attempted numerous times to get an assumption and/or modification through the previous servicer Ocwen. At the time of her death, I lived there and am the sole heir. All documents were provided to both servicers. After the servicer change to PHH there was a loan account number change and delayed communications. In XX/XX/XXXX, I applied for assistance after my bankruptcy was modified and the loan arrears were removed from repayment through the ChXXXX. The assistance request was acknowkedged but there were 6 documents listed to complete the request. I did not get a response or a decision about how to submit the forms as they were not readily available. Starting early XX/XX/XXXX the loan was no longer accessible online and my payment was returned. When I called representatives would not give me any info about the loan citing bankruptcy laws despite the loan no longer being apart of that action. My bankruptcy attorney gave authorization via written correspondence multiple times in the last 12 months. On XX/XX/XXXX, I received a letter acknowledging assistance and listed the same 6 items. When I called to clarify the rep cited my bankruptcy again and insisted that I provide my attorneys number to authorize the conversation. I then emailed my question and never got a response. I received a letter dated XX/XX/XXXX stating that I had {$26000.00} escrow credit and that my new payment was due XX/XX/XXXX. Then on XX/XX/XXXX I received a letter dated XX/XX/XXXX warning me of foreclosure proceedings and that my file was with an attorney and foreclosure proceedings were starting not from the beginning but from the point of the last forbearance. The loan is not accessible on the website and the insurance has not been paid through the lender. I received a default payoff quote with the warning that proceedings would advance despite no prior notice of status. I notified the bank that the property will be sold within 30 days pending multiple private offers.
Consumer complaint received 2023-07-02
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)

In accordance with the Fair Credit Reporting Act ( FCRA ), Account Name : XXXX XXXX with the account number : XXXX has violated my rights The violation occurred as follows : 1. 15 U.S.C 1681 Section 602 A : Right to Privacy The FCRA grants me the right to privacy regarding my credit information. It has come to my attention that the handling of my personal and credit information associated with my XXXX XXXX account has breached this right. I request that you review the privacy aspects related to this account.

2. 15 U.S.C 1681 Section 604 A Section 2 : Written Instructions Requirement As per the FCRA, a consumer reporting agency can not furnish account information without my written instructions. I have not provided any written instructions authorizing the furnishing of information regarding my XXXX XXXXXXXX account. Therefore, I urge you to investigate the source of this information and take appropriate action to rectify this violation. 

I kindly request that you promptly investigate this matter and take necessary measures to address the violation of my rights under the FCRA. I expect a thorough review of the information associated with my XXXX XXXX account and a written response outlining the actions taken to resolve this issue.
Consumer complaint received 2020-01-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX failed to properly investigate previous disputes regarding a derogatory ( Bankruptcy ) public record that they are reporting, and refuses to re-investigate.
Consumer complaint received 2020-12-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (WA)

I work as an XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) for the federal government in the XXXX area. I am a XXXX  XXXX XXXX XXXX who served in the XXXX for 23 years. I have resided in XXXX  state since XX/XX/XXXX, but took a job with the federal government in XXXX in XX/XX/XXXX, but transferred to XXXX, XXXX in XX/XX/XXXX-XX/XX/XXXX, where I would go back and forth from my residence in XXXX to my apartment in XXXX. My family stayed in XXXX due to my daughter being in middle school and my long term girlfriend working in the XXXX XXXX felt the move for them would not be beneficial for the family. So, in XX/XX/XXXX, I was contacted by Convergent Outsourcing, Inc indicating I had a unsettled debt with a cable company called XXXX. I told them I have never heard of them and they asked what my date of birth was. I didn't tell them the year but just gave the month and day. The representative indicated the information they had was a match. I adamantly told them they had the wrong person but the debt collection agency insisted the debt was mine. I wasn't overly concerned because I knew I had never lived in NY where the debt was initiated, but when the information affected my credit score is when I filed a complaint with the FTC and forwarded both XXXX and Convergent my identity theft report and letter asking them to desist from collecting this debt from me. I even forwarded a copy of my drivers license believing the agencies would be intelligent enough to determine the debt was not mine. Today ( XX/XX/XXXX ), I received a letter from Convergent Outsourcing, Inc indicating after their investigation they have concluded the debt is valid and I owed it. Initially, I thought how stupid are these people? What investigative systems are they using because there is no way this debt is mine. Nor will I pay for something that does not belong to me. Furthermore, I have never ever ever lived in NY or NJ ( the debt apparently occurred in XXXX, NJ ) nor have I ever opened a cable account with XXXX. A simple credit check will show I have lived in XXXX state and XXXX since XXXX. Their investigative process is definitely rudimentary and antiquated. A simple credit check would obviously show I have never lived in that location. I am frustrated and angry that they would continually insist I owe them XXXX.
Consumer complaint received 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions 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. 

US DEPT OF EDUCATION XXXX XXXX XXXX XXXX, TX 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.

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 2020-01-06
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (IL)

I registered an account with Synchrony Bank ( Bank ) for the Synchrony Home card. Upon registration, I was offered the option to enroll in E-statements, and if I chose to, I was subject to the Bank 's " terms and conditions. '' There is no link or other access on the Bank 's account registration page to those afrementioned terms and conditions. I believe that consumers have the right to access those terms and conditions before finalizing registration and therefore making a decision whether or not to enroll in estatements. I am submitting a complaint based on this lack of information available to the consumer during the online registration process.
Consumer complaint received 2022-12-27
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. (FL)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2019-02-13
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 — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (VA)

XXXX XXXX XXXX XXXX account was paid and closed in XX/XX/2006 and is still showing as an negative account, it was sold or transferred to a different company, tried to call the # on the credit report, that number is no longer in service and belongs to a different company that pertaining to the original Creditor or agency that my account was turned over to.
Consumer complaint received 2022-12-27
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. (FL)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2019-12-29
Product: Credit reporting, credit repair services, 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: SYNCHRONY FINANCIAL (FL)

I XXXX XXXX XXXX have been dealing with a credit bureau ( s ) issue for over one-year. The problem resides in my inability to obtain a credit FICO score on XXXX XXXX and XXXX  respectfully. In addition, there are no registered accounts on any of these bureaus except there is account information posted on my XXXX  credit report. There is a possibility that at one time a fraud alert was posted on both bureaus, but that should not block my creditors from posting my account information and payment histories o each bureau. Accordingly, I am requesting a full reinvestigation from each credit reporting agency and each account trade line to guarantee that soon I will be able to have a FICO score with each bureau. Therefore, my complaint is two-fold : 1 ) I request a full review from each creditor to check the status of my account, and to submit to each respective bureau the criteria such as date account opened, account balance, and most importantly account payment history. 
2 ) I request a review from XXXX XXXX and XXXX the reason why there is a block on my bureau information, and a release for each creditor to post the aforementioned criteria monthly. 
XXXX XXXX XXXX
Consumer complaint received 2020-01-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ONEMAIN FINANCE CORPORATION (CA)

I was approached by One Main Financial after completing an online application. I was told i was approved for {$6200.00} installment personal loan or {$11000.00} for a secured loan ( using my car ) i provided all documentation asked for right away. I was called at the end of the day and told that is was approved for the above amounts but my credit report had verbiage on the loan i was trying to refinance as a student loan. i called the company ( XXXX XXXX ) and sent documentation to show it was not a student loan. I was then told it was accepted with the same amounts but they were going to ask the underwriter if they could {$10000.00} to pay off a few more items but i was approved for the above loan. Two days later i called for status and was told the loan amount was reduced to {$3600.00} due to income. So i said ok to go forward and then she paused for a few seconds as if she wasn't expecting me to agree with it and then said sorry your not approved for any loan at this time enen though 5 seconds earlier she said i was. They tried to blame my income but just 5 minuets before i agreed my income was not an issue. The  income I am referring to is from my second job with XXXX where i take in approx XXXX a month. I provided proof of that however i am told I am wrong and that i only take in XXXX a year. Not true. There are no expenses i pay for other then XXXX. For tax purposed we add in XXXX  and XXXX  amounts paid but only for tax purposes it does not reflect actual income. Any underwriter who worked with income knows that what is on taxes is a limited picture of actual. I provided that actual pay report of what i take home weekly but they refused to look at it. I feel i was discriminated agents for being a XXXX. as they indicated that XXXX  dont make money. Not true. That is judgement on their part.
Consumer complaint received 2022-12-26
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. (NC)

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.
Consumer complaint received 2022-12-26
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. (NY)

I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. 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 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (PA)

My name is XXXX XXXX XXXX, and I first want to thank you for taking the time to read this complaint. Ive had a great experience with XXXX XXXX and my goal is to maintain the relationship weve built over the past month of XXXX and XXXX year of XXXX. I recently pulled my XXXX, XXXX, XXXX credit report and discovered I have a late payment that was reported in XX/XX/XXXX for my XXXX XXXX  Credit Card XXXX During that time period, I had a medical emergency due to XXXX. I mailed XXXX XXXX several letters informing them of my financial hardship at the start of the Coronavirus pandemic. Unfortunately, the XXXX pandemic has brought unforeseen circumstances into my life. As a direct consequence of the pandemic, I lost my job, resulting in a sudden loss of income. The financial strain caused by this unexpected situation has made it increasingly difficult for me to meet my financial obligations, including making timely payments on my XXXX XXXX account. 

I would like to express my deepest sympathies for the lives lost and the hardships endured by individuals and communities worldwide due to this unprecedented health crisis. The XXXX pandemic has had a profound impact on all aspects of life, including the global economy and the livelihoods of countless individuals. I want to acknowledge the impact of the XXXX pandemic on individuals and families worldwide, including myself. Unfortunately, I lost my job due to the economic downturn caused by the pandemic. As a result, I faced significant financial challenges and was unable to meet my financial obligations, including my credit card payments. 

Congress passed the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) to minimize the impact of the Coronavirus pandemic and to provide relief to individuals affected by the Coronavirus pandemic. Under this legislation, there are provisions that protect consumers ' credit reporting during this challenging time. The CARES Act requires creditors to report accounts as current if the account was current before the consumer requested an accommodation, such as a forbearance or modified payment arrangement, due to Coronavirus hardships. This protection is crucial for individuals like me who have experienced financial difficulties beyond our control. 

I am currently in the process of securing a mortgage, and my mortgage loan officer has advised me that removing these late payments from my credit profile would significantly enhance my creditworthiness and increase my chances of approval. For that reason, Im requesting an Accommodation under the Cares Act. 

I desperately need this mortgage and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and fax it to the credit reporting agencies to update these late payments. 

Account Number : XXXX XXXX Late Payment Date : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-12
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: HYUNDAI CAPITAL AMERICA (GA)

XXXX i that s the original dispute number was reported back in XXXX of XXXX  when the account was discovered. 

Loan opened Fraud. Incorrect information is being reported on my credit report. I Live at XXXX XXXX XXXX XXXX Fl. XXXX. I now have a Loan under KIA Finance America with no car that I am actually in [ possession of and its Fraud.
Consumer complaint received 2022-12-27
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. (CA)

This is my 2nd letter that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$3000.00} and XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$27000.00}.
Consumer complaint received 2020-01-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JTM Capital Management, LLC (MN)

I have a consumer debt with XXXX XXXX card that was charged off and sold prior to me being able to pay off to JTM Capital Management LLC at that time it was reported to my credit as a negative item, I contacted JTM Management to handle the account at that time I was told it was going to ruin my credit and that I owed more than I did. I disputed the issue and was harassed for months regarding the debt finally I called again to handle the debt and was hung up on over and over again, I contacted a law firm that was pursuing a case of class action against JTM Management and was advised that they buy debt and have used tactics against the FDCPA. Now there is no contact information for JTM Management and when you call there # it goes to a different company. I have called the original creditor and was advised debt was sold they no longer have control of the bill I would like to have this item removed from my credit since there is no active company to pay or that is actively collecting on the debt. This account is affecting my credit and there is no way to resolve the bill.