davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

There is a new report of a delinquent account on my credit report. I have never been late or delinquent. I contacted the creditor and verified that they made no such report, and I should contact the credit reporting companies. I contacted Equifax through their website to file a dispute and start an investigation. After putting in all the information, the website said it was temporarily unavailable and to call a number. I attach the message. I called the number and told me to it use the website - and endless bureaucratic loop. I did this three times over three separate days, each time with the same result. Same 20 mins wasted putting info in, same temporarily unavailable message at the finish, same use the website message. There appears to be no way to dispute a matter on my credit report and now way to speak with a person or file a report online with Equifax. This is my information, not theirs. They ought to at least follow the law and allow people to dispute.
Consumer complaint received 2023-07-19
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. (CA)

I recently reviewed a copy of my credit report in Transunion. It indicated that the credit inquiry was made by the credit company listed below. However, this inquiry was not authorized by me. Therefore, I am writing to dispute this inquiry and have it removed from my credit report. 


XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

It has been drawn out into the open that you are not hindering Items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXX XXXX XXXX
Consumer complaint received 2023-06-28
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)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : 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 2019-06-15
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

In XXXX of XXXX, we entered into an agreement with our mortgage company, XX/XX/XXXX ( XXXX XXXX ) to begin a three-month forbearance on our mortgage due to Hurricane Irma ( XX/XX/XXXX ).  We signed a Mortgage modification agreement with XX/XX/XXXX that changed our mortgage payment from {$2500.00} to {$2700.00} and extended the maturity date from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. On XX/XX/XXXX, XX/XX/XXXX sold our load to Shellpoint mortgage. Shellpoint immediately placed our account in loss mitigation and began charging late fees for what they disingenuously interpreted as three unpaid months. This was a clear violation of the modified mortgage dated XXXX XX/XX/XXXX ( MERs No : XXXX ) sold to Shellpoint. 
In XX/XX/XXXX, Shellpoint reported to the credit agencies we are over 180 past due and owed {$34000.00}. This is an injurious falsehood that may have been perpetrated to pressure us into signing a document against our best interests. 
As a XXXX XXXX XXXX  XXXX XXXX and my wife a XXXX   XXXX, an erroneous entry into our credit reports not only threatens our ability to acquire credit, but also our security clearances and therefore our livelihoods. Shellpoint appears to be attempting to bully us signing a new document to our detriment. When Shellpoint acquired our principle was approximately {$410000.00}. Shellpoint is now proposing a new modification a year later with a principle of {$420000.00}. Despite not missing or being late of a single payment, Shellpoint sees fit to charge us at a minimum an addition {$7000.00}. We consider this a very serious matter and a fundamental violation of consumer rights and protections
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX, OH XXXX ; XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2700.00} ; XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022. 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 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (GA)

My name is XXXX XXXX XXXX I have requested several times to REMOVE my credit freeze from my file. I am looking to buy a car and they can't pull my file because of the freeze/block/Fraud alert on my file please remove it at once!! My SS XXXX and my is DOB XXXX. I have attached my bank SS Card and DL for proof of ID
Consumer complaint received 2019-06-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC (FL)

We received a Mortgage XX/XX/XXXX through Greentree Mortgage on a mobile home Payments are XXXX at 14.4 % interest rate. Trailer cost {$30.00} My last statements shows that I still owe {$27.00} as of XX/XX/XXXX. 

Now they are Ditech and I have always used their insurance. 

Does this sound possible
Consumer complaint received 2019-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My name is XXXX XXXX XXXX I have requested several times to REMOVE my credit freeze from my file. I am looking to buy a car and they can't pull my file because of the freeze/block/Fraud alert on my file please remove it at once!! My SS XXXX and my is DOB XX/XX/XXXX. I have attached my bank SS Card and DL for proof of ID
Consumer complaint received 2022-08-17
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (WY)

I had ( cancelled it due to so many payment problems ) an Amazon credit card through Synchrony Bank. My billing cycle runs for example : XX/XX/XXXX through XX/XX/XXXX. After the XXXX is past the XXXX cycle payment time period. Any payment I send AFTER THE XXXX of any given month should automatically be applied to the next month NOT locked onto the prior month of XXXX as a late payment. Synchrony is now demanding of me a SECOND MONTHLY PAYMENT FOR XXXX SINCE my payment WAS SENT EARLY ON THE LAST DAY OF XX/XX/XXXX for the month of XXXX! They are threatening me with late fees and other penalties if I do not send in another payment! I do not have any more money to send to them for XXXX. I am XXXX! I am living on XXXX! I tried to get the early payment moved and applied to XXXX since that is exactly what it was sent in for was XXXX payment NOT XXXX! This banking conduct is CONSUMER FRAUD and destroys consumers credit because the bank illegally penalizes the consumer for making early payments! Forcing more than one monthly payment is extortion! If Synchrony buries me under illegal penalities and fees I will NOT be able to pay them OFF! ALL BECAUSE I SENT MY PAYMENT IN EARLY!!!!!!!!!!!
Consumer complaint received 2019-06-15
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. (LA)

The customer is constantly falsely reporting my account as late or delinquent and everytime I dispute it they correct it but report it again negatively a month or two later ... this has been going on for the past year and a half and Im tired of it
Consumer complaint received 2023-05-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (NC)

Violation of my federally protected consumer rights as outlined by the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681 It has come to my attention that the following accounts, all of which carry negative information, have infringed upon my rights to privacy and confidentiality under 15 USC 1681 : Please remove this debt. 

Company name : XXXX  XXXX Account # XXXX Company name : XXXX XXXX  XXXX Account # XXXX According to the provisions stated in 15 U.S.C 1681 Section 602 A, I have an unequivocal right to privacy that must be respected and upheld by all entities involved in consumer reporting. 
Please be aware that failure to comply with my request may result in legal action to protect my consumer rights and seek approptiate remedies as provided for under the FCRA.
Consumer complaint received 2019-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (LA)

The customer is constantly falsely reporting my account as late or delinquent and everytime I dispute it they correct it but report it again negatively a month or two later ... this has been going on for the past year and a half and Im tired of it
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have repeatedly sent letters to this consumer reporting agency to correct my personal information, My legal name is XXXX XXXX XXXX. I am not a criminal Therefore, I do not have any aliases. 
As far as my address goes, I only have one. And it is as follows, XXXX XXXX XXXX Apt XXXX XXXX, TX XXXX. 
. Transunion is presenting false statement as fact. And it is causing significant damage to my reputation. I need this information corrected immediately.
Consumer complaint received 2015-07-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CL Holdings LLC (OH)

IM, FIXING MY CREDIT, FROM XX/XX/2015, BY MY SELF, WHERE ONLY UNTIL THAT DAY HAD XXXX ACCOUNT IN COLLECTION WHICH PAY THE DAY IN XXXX XXXX THEM RETURN TO CHECK MY CREDIT IN THE MONTH OF XXXX, AND FIND AN ACCOUNT IS OLD READY REMOVED FROM MY CREDIT BECAUSE THIS ACCOUNT IT MORE THAN XXXX YEARS OF THE COLLECTION XXXX XXXX XXXX, OF THIS AMOUNT IS $ XXXX.IS PUT AGAIN IN MY CREDIT AS IS WERE NEW WITH OTHER AGENCY CALLED JEFFERSO CAPITAL I WOULD LIKE TO KNOW IS LEGAL OR NO. I WANT TO RESOLVE THIS PROBLEM AT SOON IS POSSIBLE THANK YOU I HOPE SOMEONE CAN HELP ME. THANK YOU AGAIN..
Consumer complaint received 2023-05-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (CT)

A debt of {$4000.00} was opened on XX/XX/2023 on my credit report ( XXXX XXXX ) which I did not accrue. 

I called Sunrise Credit Services on XX/XX/2023 and they informed me the debt originated with " XXXXXXXX XXXX XXXX XXXX XXXX' and an address in NJ ( XXXX XXXX XXXX, XXXX NJ ) with which I have no association. 

I was informed that these people in NJ might have my SSN.
Consumer complaint received 2017-01-12
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

My name is XXXX XXXX the past year I was a victim of identify theft when I found out that I had mostly XXXX card opened under my name all from different located and some from different states in that time i contacted every banks that supposedly had approved the cards to be open all of them went into investigation and later on removed all of them but XXXX account were already on the way to a collection company called Midland Funding LLC or MCM Midland Credit Management , Inc address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX I called this company and they told me the information I would need for them to be able to proceed into a investigator from there part and for the accounts to be removed I fixed XXXX of those account of the XXXX I had now I only have this last XXXX from XXXX Bank they been sending me cards to pay this debt but I not gon na pay something I did n't approve and that I did n't open in Midland Funding card has XXXX account numbers to see this account or maybe information number of account original XXXX and the number of account with Midland is XXXX thank you for your help please I would to see how I can fix this issue.
Consumer complaint received 2016-03-21
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (WA)

I have been approved for a HAMP tier 2 permanent modification of my loan with OCWEN. I have made all three trial payments, have sent in paperwork and they have yet to update my information or send me a copy of the loan documents and my account states that I owe another ( 4th ) trial payment, which is erroneous based on the hamp trial payment terms. I have to wait days, sometimes weeks to speak with my " relationship manager ''. I want resolution. I want answers. I want them to get their act together and behave responsibly when dealing with the financial fate of others. They are capricious and erroneous. This is my second complaint with CFPB regarding Ocwen.
Consumer complaint received 2023-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX XXXX XXXX reports to credit companies before my cycling dates. My bill is due on the XXXX. They reported on the XXXX. My cycle date is the XXXX. My Credit card balance was paid in fullon the XXXX. This is the second time they XXXX fine this because my cycling date fell on the weekend. I work hard on my credit. Pay all my bills. They are causing me to be denied or pay super high interest rates. The credit company dropped my scores XXXX points which will take me forever to recover from. I'm a business owner I can have bad credit.
Consumer complaint received 2018-10-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (WI)

I have using XXXX XXXX to track my credit score and it was around 740 for a year or so. Bills are paid on time. Recently I contacted mortgage lenders to get pre-qualified for a home loan and my credit score dropped around 140 points. I made a large payment on my credit card and it only brought up my score up to 640 's. Lenders are not interested in helping me get pre-qualified now.

An Equifax representative named XXXX ( he refused to give a last name ) said that there was a negative item from 2015 showing ( I closed the account and don't remember who the vendor was and contacting XXXX was no help either ) He said there was no one there who could help solve the problem or explain why the credit score dropped so drastically and suggested a credit counselor or buying a credit report.

XXXX cut me off while I was explaining the problem. I tried the dispute function on their website but they want to share my info with their partners and send advertising. 

XXXX shows a credit score of XXXX ( needs work ) I understand that hard credit inquiries from home mortgage lenders can drop a credit score but that should still have left me in the 700 's. I am a good credit risk and don't want to lose out on buying a home because of this issue.
Consumer complaint received 2023-06-11
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. (IN)

Just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile. In accordance to the Fair credit reporting act, XXXX account # XXXX HAS VIOLATED MY RIGHTS 15 USC 1681 602 A states that I have the right to privacy 15 USC 1681 604 section 2 stats a consumer reporting agency can not furnish an account without my consent
Consumer complaint received 2020-09-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TN)

IC Systems pulled up some XXXXXXXX  account from Florida. I don't live in florida and never have. I have no idea who they are talking about and there is no way they can verify this as accurate. I will sue all that is involved for messing up my credit score so I can't close on my house.