davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP (FL)

I have been applying directly, for hardship assistance with this Servicer ( Selene Finace ), since XXXX of XXXX. 
Previous to that, I retained legal counsel to assist me with the process. 
I have provided all items requested multiple times, yet have had no success with being reviewed properly, for hardship assistance. 

Despite cooperating fully, I have not been able to communicate with the assigned Relationship Manager, XXXX XXXX XXXX. 
Servicer has set several Judicial Sale Dates, claiming that I have not provided information in a timely manner.

Servicer also submitted a denial letter ( dated XX/XX/XXXX ), claiming that I had been reviewed for assistance, but had insufficient income, as well as too much debt, to qualify. In reality, Servicer utilized erroneous information, possibly from another applicant, and has not reviewed my financial information correctly. 

I challenged those findings unsuccessfully, yet Servicer refused to review their decision, or cancel the scheduled Sale date set for the following day, XX/XX/XXXX. 
I was successful in canceling and having the Sale rescheduled to XX/XX/XXXX. 

I submitted all the supporting documents requested by Servicer, and none were reviewed. After numerous inquiries and internal escalations, I was informed by the Servicer, that my application would not be reviewed, due to there being insufficient time to review ( less than 37 days before scheduled sale date ). I was then reassured that if I could have the Sale Date postponed, Servicer would permit me to submit a new application, and that Servicer would properly review my application for all available options.

I was successful in having the Sale rescheduled to XX/XX/XXXX. I then prepared and submitted a Hardship assistance application, as instructed, to Servicer. ( see below ) Mail to : Selene Finance LP XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX Or Fax to : ( XXXX ) XXXX Or Email to : XXXX I submitted the documents and information by email ( XXXX ) on XX/XX/XXXX - 39 days before the scheduled Sale Date of XX/XX/XXXX. One week later, I followed up with Servicer. Servicer claimed to have no record of receiving my application. 

I was advised to resubmit on that day ( XX/XX/XXXX ), and informed that the file was escalated. I submitted the application to XXXX as instructed. 
I then called again on XX/XX/XXXX, and was again advised that no record of submission existed. I was advised to submit again that day, for an expedited review. I submitted the application by email to : XXXX, XXXX, XXXX, and XXXX On XX/XX/XXXX, i again called Servicer. I was told that no record of a submission existed! I submitted once again, while the rep claimed to be monitoring the Inbox ( XXXX ). I asked for a callback from XXXX XXXX XXXX - as I've done multiple times, yet to date have not received a response. 

This Servicer has not acted in good faith, and I am pleading for your intercession.
Consumer complaint received 2022-04-30
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. (TX)

Dear CFPB, I sent via USPS twice during the span of 60 days requesting every piece of information on my Credit file be investigated due to inaccurate information and questionable accounts on Experian Credit report. ( USPS tracking XXXX ) Additionally I called Experian at XXXX at least twice per week waiting 1to2 hours just for agents to pickup and transfer me numerous times and then the phone would disconnect, and my dispute not resolved. I am reporting to CFPB due to the fact it feels like I am getting no where with Experian, and they are failing to uphold consumer rights and the law. The FRCA says an " investigation '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning any such items of information. I feel Experian does not care for consumers and they have treat me bad which has lead to costing me bad credit, and damages. I have researched Experian and I see this situation I am going through is the very thing Experian has been sued for in multiple lawsuits! It is not fair due to Experian 's negligence and incompetence my credit score should be impacted negatively!!

Experian still updates and reports inconsistent account ( s ) : " XXXX Account ( s ) # XXXX purported investigation does not appear to have verified documentation nor verified proof from any man or woman. This is not a proper investigation standards nor standards according to the law. ( Said account does not reflect original opening date with my legal name! ) The issue to date is mentioned account ( s ) are still not reporting 100 % Accurate and are inaccurate to date. ( Please see attached Letter of Investigation, same letter sent over 60 days ago ) Please take notice pursuant to FRCA 15 USC 1681 every piece of information must be 100 % Accurate on credit report. In closing I need to remind Experian moreover, 15 U.S.C 1681 Section 602 A. States I have the right to privacy ; and Section 604 A Section 2 : states a consumer reporting agency can not furnish an account without my written instructions. Thank you for your attention on this matter.
Consumer complaint received 2024-02-05
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. (TX)

In Accordance with the fair credit Reporting Act XXXX has violated my rights. 15 USC 1681 Section 602 States I have a right to privacy. 15 USC 1681 Section 604 A Section 2 : States a consumer Reporting Agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on an account under an open end consumer credit plan as late for any purpose. 15 USC 1681- Congressional finding statement of purpose ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy.

15 USC 1681a Definitions ; rules of construction ( d ) Consumer Report- 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for- ( 2 ) Exclusions- Except as provided in paragraph ( 3 ) the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

PAANL-Paid as Agreed Never Late. Please remove Late payment.
Consumer complaint received 2022-04-30
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TN)

Upon reviewing my credit file, incorrect information was found in my reports. The Experian and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, and Experian and XXXX reporting deleted information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be removed. XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}.
Consumer complaint received 2023-01-19
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. (TX)

My name is 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 2022-04-30
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX and Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, and XXXX and Equifax reporting deleted information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be removed. XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}.
Consumer complaint received 2021-08-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TN)

My mortgage servicer is reporting to the 3 credit bureaus XXXX, XXXX, and XXXX my mortgage is up to 150 days delinquent. My mortgage payments are currents. I have tried to speak with my mortgage servicer to correct this but they will not speak with me. I have my canceled check reflecting all mortgage payments. Received mortgage statement that said my mortgage payment was increasing because I was being escrowed for city taxes, my home is in the county and I don't pay city taxes. My mortgage company has over charged me for my escrow account. Also my mortgage payment has increased because of the incorrect information
Consumer complaint received 2018-02-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I submitted emailed to the companies, I disputed the inquiries the week of XX/XX/XXXX over the phone. I have not received a response from XXXX XXXX XXXX at all. The Credit Buteas responded Inquiries are factual record of file access. If you believe the This was unauthorized please contact the creditor. When I reached out to the creditors they advise me to contact the Credit Bureaus. This is running me into a circle. The inquiries are as follows XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX The FCRA 623 and 611 state that any information can be disputed and must be investigated. I received a response from my call with the credit Bureas less that 8 days from the date of my dispute. One can only assume no investigation was completed. 

I also requested that an address be removed from my credit report on Equifax the same week the first week of XX/XX/XXXX. I have never lived there ever. I have lived in my home for almost 11 years. The representative advised she would remove the address. I viewed my XXXX XXXX report yesterday XX/XX/XXXX and the address was added back without them advising me. The address begins with XXXX. This is not Ans has never been my address. They added it back without my knowledge. I called today XX/XX/XXXX and a Reps was argumentative about the address and indicated shes open a dispute. My concerns is why was the address added back if it was invalid and when was I going to be notified. I have never lived there. 

This is causing undue stress as I plan to purchase a home later this year and this amount of inquiries would flag as a person having financial trouble. The incorrect address is concerning because its risking my personal information or mail being sent to someone elses home
Consumer complaint received 2022-04-30
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 — Investigation took more than 30 days
Company: Stellantis Financial Services US Corp. (TN)

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, and XXXX and XXXX reporting deleted information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be removed. FIRST INV SERVICING CO  XXXX Balance : {$0.00}.
Consumer complaint received 2021-09-14
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: OneMain Finance Corporation (CA)

On XX/XX/2021 I received a letter from OneMain Financial stating that I requested a verbal request to stop contacting me by phone and/or mail. 
They have permanently removed any cell phone numbers from my account and from automated dialing system and placed a note on account to discontinue all collection call to me. 
They apologize to me any inconvenience caused. To ensure that they are meeting my communication expectation, it would be helpful if I complete the information at the bottom of this letter they I will attach and return it to them with means of communication phone numbers written email text or other. 

Immediately phoned the number listed on letter and I spoke with a XXXX on XX/XX/21. She did confess that this letter is in fact a " Retaliation '' from the claim I submitted. 

This is an ambiguous letter made up from OneMain Financial. 

*On the contrary I am waiting for explanation on another claim.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

My information was sold and bought illegally as I was a victim of the Equifax Data Breach, Engagement # XXXX. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was indeed a victim of this data breach and Equifax has done nothing. 

Please assist me with deleting these illegal accounts from my credit report : XXXX XXXX XXXX Account # ending XXXX XXXX XXXX XXXX Account # ending XXXX XXXX XXXX Account # ending XXXXXXXX XXXX XXXX XXXX Account # ending XXXX I thank you in advance for any assistance you provide me.
Consumer complaint received 2022-04-30
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. (TN)

Upon reviewing my credit file, incorrect information was found in my reports. The XXXXExperianXXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information such as date opened, monthly payment and payment history without any proof provided, within the time allowed by law, is not authorized. Please update the late payments from this account. XXXX XXXX XXXX XXXXXXXX Balance : {$45.00} [ XX/XX/XXXX ] [ XXXX ] XX/XX/XXXX [ XXXX ] XX/XX/XXXX [ XXXX ]
Consumer complaint received 2018-02-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BARCLAYS BANK DELAWARE (NV)

It was all to easy dealing with other competent lenders, who updated my profile and coded my profile as a cease and desist account ( with the exception of what is required by law to be mailed to the confirmed address on file ). 

However, XXXX XXXX refused and demanded that they would only approved a formal written request. This lender refused to accept a verbal request to have the account coded as cease and desist. If this is not corrected soon, legal action will be reviewed.
Consumer complaint received 2022-04-30
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. (TN)

Upon reviewing my credit file, incorrect information was found in my reports. The XXXXEquifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information such as date opened, monthly payment and payment history without any proof provided, within the time allowed by law, is not authorized. Please update the late payments from this account. XXXX XXXX XXXX XXXXXXXX Balance : {$45.00} [ XX/XX/XXXX ] [ XXXX ] XX/XX/XXXX [ XXXX ] XX/XX/XXXX [ XXXX ]
Consumer complaint received 2021-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

From XX/XX/XXXX to XX/XX/XXXX, I submitted several disputes to Equifax asking them to correct my name and mailing address, and to delete other name ( s ) and home addresses that are inaccurate. To date, that has not happened as there are always stall tactics ( responses ) to delay changing or removing inaccurate information from my credit report. I have provided proof such as a driver 's licenses, my Social Security Card, and marriage certificate on many occasions, only to receive numerous bogus responses without action.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (IN)

There was a hard inquiry on my credit report on XX/XX/XXXX by JPCB which was never submitted or approved. Tried calling them, response was I have a data leak or fraud on my account and to provide sensitive information to check which sounded suspicious to me. I would like to dispute this inquiry. thank you.
Consumer complaint received 2024-04-04
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

In XX/XX/XXXX, Bank of America ( BOA ) charged off an auto loan in the amount of {$34000.00} to my credit report and held me responsible for the vehicle that they committed repossess. I gave Bank of America 's auto department ( A/c ending # XXXX ) all the information that they required to inspect and repossessed the vehicle. 

XX/XX/XXXX, I lost my job, and I was unable to make payments to the auto loan with Bank of America. I called BOA and asked them to take the car. I was told by the representative that a voluntary repossession was not possible because my loan was current ( I had no outstanding payments ). My situation got worst ; I was diagnosed with XXXX XXXX in XX/XX/XXXX, and I was not qualified for unemployment. I called Bank of America, told them of my predicament and made it clear that they need to pick up the car. The representative told me that BOA would send out someone to inspect the car. I gave the rep the address and location of the vehicle. The rep told me that BOA would pick up the car and deduct the car 's value plus the repair shop cost and billed me difference. I agreed to this solution. Bank of America sent an inspector but did not pick up the car. To date the car is with the repair shop. I am out of a vehicle and stuck with a charge on my credit report that prevents me from obtaining another car loan, buy a house or anything that requires credit. 

On XX/XX/XXXX, I bought a XXXX XXXX. I had a previous auto loan that was paid off with BOA, they authorized the loan. In XX/XX/XXXX the car was involved in accident. XXXXXXXX XXXX  accepted 100 % liability for the damages to the vehicle. XXXXXXXX XXXX issued XXXXXXXX party check XXXXXXXX XXXXXXXX XXXX  AND XXXX XXXX for {$7700.00}, even though I am the registered owner, insured and the titled is in my name only. I never saw the check. It was addressed to XXXX ( listed as driver ), and he took the check to Bank of America, and they cleared check with his only signature. The bank did not get second signature from XXXX XXXX XXXXXXXX XXXX. The body shop was not paid. ( copy attached ). I called XXXX they told me that BOA agreed to send a replacement check because of the error. They deducted money from XXXX account, but they did not replace the check. Bank of America was negligent in handling this transaction. 

I tried to resolve the matter with BOA and the representative who responded, ignored the facts and passed all the blame to me instead of a resolution. My statements were paperless, and all paid in full until I lost my job. Enclosed are my documents to support my complaint, including proof of numerous calls to Bank of America.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DC)

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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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.