davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-24
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: Experian Information Solutions Inc. (IN)

This complaint is a companion to CFPB Complaint # : XXXX. 

Experian continues to fictitiously " investigate '' by comparing data with the source who provided it. They continue to update my credit report with " Account information disputed by consumer ( meets requirements of the FCRA ) '' when, in fact, their investigation does NOT satisfy the requirements of FCRA. 

They have NOT contacted anyone at the respective companies. They have NOT viewed any documentation that proves account ownership. 

As CFPB may be aware, any company can furnish data to Experian. Provided the company meets the requirements to report data, they only need to submit the data in Metro-2 compliant format irrespective of its accuracy. 

Just because the data furnisher and Experian have matching information, it does NOT mean it belongs to me or is factually correct. The investigation process is NOT accurate in e-Oscar ; I have demanded and demanded physical verification of account ownership ; instead, I get new disputes opened up, and get letters saying they will not re-investigate. 

The letter I am attaching to this complaint will be sent to relevant government organizations. 

I respectfully ask that the CFPB conduct an independent investigation into the dispute process utilized by Experian as continuing to reduce my complaint to an e-Oscar code, sending it to the data furnisher and receiving a 'verified ' label in return is NOT a fair or equitable means of verifying account ownership. To date, they have NOT provided points of contact or documentation they viewed to make the determination that their continued reporting of the items attached meets FCRA standards. 

In fact, Experian offers companies two methods of viewing and scoring data from potentially erroneous or outdated sources : XXXX, and XXXX.
Consumer complaint received 2020-04-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NJ)

XXXX XXXX Virus - we are XXXX XXXX. 
our XXXX  is closed..Government offers 12 month defer payment and put on back end of loan.. PHH is  only offering 3 months off but then it is all due on the XXXX of the XXXX month, IN FULL.. Told to take offer and then if there are any changes, they will call you and offer them.to you. There would be no problem to change option. I was told to sign up for program and then change when available. 
Do not trust this.
Consumer complaint received 2023-07-18
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. (WI)

I'm sending this complaint to inform AGAIN the 3 credit bureaus that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX BalanceOwed : {$550.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$610.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$580.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$640.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$640.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$640.00} ; XXXX, XXXX XXXX XXXXXXXX ( XXXX : XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$640.00} ; XXXX, XXXX & XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$940.00} ; XXXX, XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$640.00} ; XXXX, XXXX & XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX : XXXX ; XXXX, XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$940.00} ; XXXX XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX.
Consumer complaint received 2020-04-02
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. (TX)

I've submitted proper documents to show that I was the victim of identity theft. Nothing has been fixed or removed from my credit. They are not responding. This is impacting my score and life.
Consumer complaint received 2020-04-02
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: JPMORGAN CHASE & CO. (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX JPMCB  HL XX/XX/XXXX to XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-03-24
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. (TX)

deceptive apt practices 

XXXX XXXX  
XXXX
: XXXX XXXX XXXX XXXX XXXX   TX XXXX XXXX
Consumer complaint received 2020-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc. (CA)

Mr Cooper, a financial institution mortgage servicer, has contracted a law firm to abuse a homeowner/borrower/debtor/plaintiff into submission and out of a good complaint where the financial institution is in receipt of homeowners funds, by mistake, in excess of what was accurately billed and had no good cause to retain. The outrageously false statements in Mr Cooper 's response to complaint XXXX, dated XXXX XXXX, is only one example. THIS IS A SERVICING RELATED ISSUE. 

Please see attachment exhibit b in complaint # XXXX. The XXXX XXXX XXXX  never returned a single call of the plaintiff or attempted contact by phone. The plaintiff has a record of numerous calls to the XXXX XXXX XXXX. There is no record of any calls from the XXXX area code to plaintiffs only contact phone number XXXX within the dates XX/XX/XXXX to XX/XX/XXXX. This is a requirement in California Civil Procedure designed to bring litigating parties to find resolution to a complaint and not burden the justice department 's resources. California Civil Procedure 430.41 ( a ) Before filing a demurrer pursuant to this chapter, the demurring party shall meet and confer in person or by telephone with the party who filed the pleading that is subject to demurrer for the purpose of determining whether an agreement can be reached that would resolve the objections to be raised in the demurrer. If an amended complaint, cross-complaint, or answer is filed, the responding party shall meet and confer again with the party who filed the amended pleading before filing a demurrer to the amended pleading. 

The XXXX XXXX  intentionally violates this procedure to inflect distress and frustrate the plaintiff/homeowners attempts to recover his funds. In addition, Mr Cooper 's reluctance to correct a Seterus problem is further frustrating the plaintiff 's recovery to harm in creditworthiness reflected through the CRAs. 

Please see Mr Coopers reporting of 60 days late in XX/XX/XXXX to XXXX   and other CRAs. Why is there no 30 day late reporting in XX/XX/XXXX? Mr Cooper is manipulating a Seterus problem and further frustrating plaintiff 's efforts in financial recovery and correcting wrong reporting by accruing additional wrong reporting. 

The plaintiff/homeowner has submitted payments through the Mr Cooper automated phone payment system in the past with the best results of accurate and timely receipt reporting. The plaintiff/homeowner does not want to mail any remittance that is constructively received within 30 days, but reported 60 days late by Mr Cooper. 

The homeowner/borrower continues to experience significant and material negative financial impact from this abusive conduct and has now suffered permanent financial impairment.
Consumer complaint received 2020-03-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (NC)

I've called the mortgage company at least 25 or 30 times in the last 2 weeks attempting to get them to pay the remaining {$100.00} of taxes and late fees that they accrued due to not paying my taxes on time through my escrow. I've spoken with numerous representatives on the phone to attempt to get them to resolve my issue and they look at the notes and say that it says it's been paid and I tell them I just got off the line with the XXXX XXXX tax office who's currently telling me that it was not paid. I get frustrated and annoyed and tell them to fix it and they either hang up or say we'll fix it and call you back tomorrow and no one is actually doing anything. Just smoke and mirrors. I've told them on numerous occasions that XXXX XXXX tax office in XXXX, NC has already sent a garnishment letter to my employer saying they will garnish my wages and my employer has notified me that they will garnish my wages on XX/XX/20 if these taxes aren't paid by then, but no one at Amerihome Mortgage is actually helping me. They are literally not assisting me. I've spoken to my attorney about this and they suggested I send you a letter. So here it is. 
XXXX XXXX government - XXXX ( XXXX Amerihome mortgage - XXXX ( amerihome.loanadministration.com ) Thanks for your assistance in this matter. 

XXXX XXXX XXXX
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit the FEDERAL TRADE COMMISSION to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
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 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 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IA)

XXXX is reporting my personal information with out my permission per 18 USC 894. XXXX is reporting XXXX XXXX and inaccurate information about XXXX XXXX, this is a violation of 15 USC 1681. XXXX is also violating 15 USC 6801.
Consumer complaint received 2022-11-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WestGen Lending, a DBA of Beckam Funding (TX)

I closed on my loan with XXXX XXXX  XXXX on XX/XX/2022. Our first payment was due on XX/XX/XXXX. Since we closed, I have been trying to figure out how to make payments to the mortgage company. They've given me contacts to 2 servicing companies but neither of this servicing company has a my loan information. I have not received any correspondence from XXXX XXXX  XXXX. I've sent XXXX payments to XXXX with extra to cover principal but I have not received any notification on whether my payment was received or applied to my mortgage. Furthermore, I never have trouble with my other mail being received but XXXX insists they have not received checks that were mailed more than 2 weeks ago. My gut tells me is that they are not posting the check so that the interest they are charging on my {$640000.00} loan at 7.5 % can keep accruing. Please help me address this problem. This is the 21st century. Any mortgage company worth it's salt should have online access to me to pay and view my mortgage information. This is XXXX and I do not have any of my loan information
Consumer complaint received 2020-12-21
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. (CA)

I contacted experian & XXXX  on a fraudulent account and provided proof to have it removed, I spoke with the reporting ( bank ) company multiple times who do not report or respond to XXXX  and experian, i was told by the bank they are not and have not been in contact with experian or XXXX who havent contacted them at all. XXXX  and experian are not properly investigating my dispute due to a representatives response saying we have it here saying this is your account so we will not contact them everytime you dispute or give us any proof, have the bank call us and we will take it off other then that we do not have to reinvestigate that statement is totally illegal.
Consumer complaint received 2020-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (WV)

I have tried on numerous occasions to place a security freeze on my credit profile that this company maintains. On two different times over the last three months I faxed in the security request form from their website. Additionally during the same 3+ month span I twice submitted the security freeze request using the companies online platform. I have still no received correspondence on the outcome of any of these requests. I have called to company at the registered number at least 5 times, leaving voicemail messages and have not received a follow up call or any writing response. SageStream LLC is not responsive of my request and I demanding that they place a security freeze on my consumer profile and furthermore do not want them data mining any future information of mine. I also feel that they are in violation of the FCRA and FDCPA and should have to compensate me under willing violation of these acts.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

The account was on a modification and should have not been reporting any late payments as the account was scheduled tp resume payments on XX/XX/24 however the home also sold on XX/XX/24 and they are reporting lateness on the month of XXXX as well have not deleted this from my credit report. 

also : In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( Section 6 0 4 A Section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-12-28
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. (AZ)

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 name : XXXX : Reference # XXXX, Account Name : XXXX XXXX : Account # XXXX, Account name : XXXX XXXX XXXX XXXX  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 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 2020-04-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (AZ)

My mortgage was recently sold to CMC Funding, held by Specialized Loan Servicing Holdings LLC. No paperwork has been sent to me even identifying my new loan number, let alone what my monthly payment amount is. In the first month, I was able to connect by phone after 15 days, during which the company was simply unavailable via phone or web. I made my mortgage payment via phone, and was promised paperwork. Still with no paperwork other than a legal boilerplate document stating the name of the new loan processor ( still no loan number or amount ). I have now tried via both web ( where I must have my loan number to set up an account ) and phone ( where I have been placed in a queue and told that I would receive a callback within 24 hours ) for days, and can not get through to this company. I can not pay my mortgage, don't know my loan number and have no recourse whatsoever. This is intolerable.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

in accordance with fair credit reporting act this creditor has violated my rights under 15 usc 1681 section 602 states i have the right to privacy. 15 usc 1681 section 604 a section 2 states that consumer reporting agency can not furnish an account without my written instructions. under 15 usc 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

The accounts that harbor late payments that you are reporting are as follows : XXXX XXXX Opened XX/XX/XXXX XXXX XXXX Opened XXXX XXXX
Consumer complaint received 2022-12-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Solar Mosaic LLC (AR)

I received a loan for solar panels on XX/XX/XXXX. Per their documents in the disbursement section, they would not disburse the money until certain conditions were met. They contacted me twice on XX/XX/XXXX and XX/XX/XXXX inquiring if the system was operational. Both times I replied no. They proceeded to disburse the money to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) which is now no longer in service. The money should not have been disbursed until the installation was complete and operational. Had I been paying them I would not have paid until the job was complete. I have opened XXXX complaints on XXXX and XX/XX/XXXX, and I was told they would contact me. Both complaints were closed with no contact and directed me to call the solar company which Ive told them is no longer in business.
Consumer complaint received 2022-11-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NJ)

I have paid this mortgage company two payments one they received on XX/XX/2022 and another payment on XX/XX/2022. They have gotten a total of {$3800.00} which brings my mortgage current to the end of XXXX. I do have an attorney, which has spoke to their attorney, which knew that this money was coming. The problem now is they said they must get to their back in to see if theyre going to apply this money to my account. This is not fair I am a XXXXXXXX  I need to stay in my house they went to work, and they do have the money, which makes me current I have not applied it. I spoke to a woman XXXX today and she said her book show that Im still in arrears since XXXX. please help me because this seems like a case of them not being honest in their dealings. My mortgage is an FHA mortgage, and I do not like the way they are treating me its not like theyre waiting for the money they have the money and all they have to do is apply it.
Consumer complaint received 2020-03-23
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. (AR)

My mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. 

XXXX XXXX XXXX XXXX/XXXX  XXXX {$4900.00}
Consumer complaint received 2020-03-23
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. (AR)

I found out my identity had been compromised because my wallet was stolen from the store. I didn't take the proper measures afterward. I just got a duplicate drivers license and copy of my social security. Several years later I'm receiving letters after letters of several unpaid accounts that I have never open. I then started to investigate and pulled my credit to check what all had been opened. There are way too many fraudulent accounts open that I am not nearly familiar with and a outrageous amount of inquiries that not all I was able to list on here. These accounts are not mine. Please remove them. 

XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$240.00} XXXX XXXX   XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX {$68.00} XXXX XXXX   XXXX {$460.00} XXXX XXXX XXXXXXXX XXXX {$450.00}