davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-20
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: Onity Group Inc. (NC)

PHH Mortgage is reporting my mortgage payment as being late XX/XX/XXXX on XXXX 's report XXXX when there monthly mortgage statements does not reflect the same. XX/XX/XXXX report from XXXX 's report reflects 120 days late payment when I have monthly mortgage payments through XX/XX/XXXX. On XXXX XX/XX/XXXX, I forwarded PHH Mortgage a cashiers check for {$8600.00} for final payment of home after they refused to honor my request for Final Payment in XXXX & XX/XX/XXXX. This company is intentionally trying to destroy my credit by stating I am 120 days late in mortgage payments. PHH took over from Owens Mortgage XXXX XXXX while I was in Chapter XXXX proceeding which finalized XXXX XX/XX/XXXX and mortgage payments where up to date. If I could attached all monthly mortgage statements from month PHH Mortgage company took over, you will not find any LATE PAYMENT or PAST UNPAID AMOUNT from XX/XX/XXXX until XX/XX/XXXX in which payments are paid thru. This company is involved in unfavorable accounting procedure 's and destroying one personal credit. I recently had CFPB intervened on my behave XX/XX/XXXX to get final mortgage payment.
Consumer complaint received 2020-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Financial Management Solutions, LLC (MD)

On XX/XX/2020 FMS collection company pulled my credit report witout any consent. It states I rallied for credit with them I've never applied for credit and if they are a credit collection company how did I apply for credit with them.. This is not the first time that they have done this..
Consumer complaint received 2020-01-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BBVA FINANCIAL CORPORATION (TX)

On XX/XX/2020, BBVA mistakenly used a third party to remove my vehicle from my home. My security cameras were the only key to finding the perpetrators. To my surprise, a bank, BBVA, whom I never conducted any business with, was the culprit. I immediately acted : proved ownership, involved law enforcement, and reported my car as stolen. This was clearly a mistake by your internal office. Unfortunately, BBVA still refused to release my car for 14 days ( and counting ). Even the local police department called demanding the release of the vehicle. We were told to, just wait the process by several entry level employees. On top of not having my car, I was ignored and promised calls from managers which never happened. It took 14 days of relentless efforts on my part, before BBVA finally acknowledged they made a mistake and agreed to release my vehicle. 
BBVAs negligence, slow process, and poor customer care has inconvenienced my family greatly. All of this is to no fault of my own. Can you imagine coming home after working a 16-hour shift, to your car being towed away by a bank that you never had any loan, contracts, or dealings with? My car was basically stolen outside my home, and BBVA hasnt made any attempt to correct the situation properly. Instead, Ive had to deal with rude and uncaring managers that refused to address the situation in a timely manner. Before I accept my vehicle, I am trusting BBVA will do the right thing, take ownership, and quickly rectify the situation by compensating my family accordingly.
Consumer complaint received 2020-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Good afternoon, I am writing to CFPB regarding my identity being stolen and used to obtain credit without my authorization and now I have been stuck with the bill and my credit taking a hit. Please if there is anything you can do to help me remove these fraudulent accounts tarnishing my credit profile I would greatly appreciate your assistance in this matter. I have tried with the credit bureaus and debt settlement companies as they have said they can help and have gotten nowhere. I have heard that cfpb actually gets the job done. Thanks in advance.
Consumer complaint received 2019-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX AR, XXXX TransUnion Consumer Relations XXXX XXXX XXXX XXXX, PA XXXX To TransUnion Dispute Department I recently pulled my credit report and I discovered upon viewing that the following listings below are reporting inaccurately. I have included a screenshot highlighting in yellow each violation as proof. Please delete the following immediately. 


1. DELETE XXXX XXXX XXXX because it is reporting a different Balance Updated date for TransUnion on ( XX/XX/XXXX ). However they are reporting ( XX/XX/XXXX ) in the Balance Updated section on XXXX. These dates are inconsistent. Dont you get your information from the same company? Delete This Violation Immediately! 
2. DELETE XXXX XXXX XXXX because it is not reporting transferred or sold in the company sold, status updated or remarks sections of this listing. Additionally, it is a closed account that is still reporting chargeoff collection activity in the payment history, section of this listing for years XX/XX/XXXX, XX/XX/XXXX. {$410.00} Past due as of XX/XX/XXXX. Status Updated and Balance Updated on XX/XX/XXXX. " Delete for multiple inaccuracies. '' 3. DELETE XXXX XXXX XXXX XXXX because it is reporting a different Balance Updated date on TransUnion ( XX/XX/XXXX ). However they are reporting ( XX/XX/XXXX ) in the Balance Updated section on XXXX. These dates are inconsistent. Dont you get your information from the same company? Delete This Violation Immediately! 
4. DELETE XXXX XXXX XXXX XXXX XXXX because of multiple inaccuracies. 1. This  collection is reporting a Past Due Amount of {$150.00} in the Status Section. Aren't all collections late by default? 2. This listing has been re-aged to stay on my account longer. Isnt that a violation. 3. Additionally, they did not enter a notice of dispute when they updated the status on ( XX/XX/XXXX ) as required by 623 of the fcra. Delete Immediately! 
Because of this apparent neglect in ensuring everything on my report is accurate, consistent and up to date please Delete these items immediately! And send me another credit report. 

Included is my letter will inaccuracies highlighted in yellow, a copy of my State Id, Social Security Card, Utility Bill, and Least Agreement. 

Thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX
Consumer complaint received 2019-08-27
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. (TX)

Experian and XXXX are reporting incorrectly a collection in the amount of {$540.00} on XXXX XXXX XXXX partial account number XXXX. ( Please see page 15 of the attached credit report. ) I returned XXXX XXXXs equipment pursuant to the packing instructions provided by XXXX XXXX, and now they are alleging that I never returned their equipment and consequently I am being sent to collections. I never received credit for returning the equipment. I do not owe this debt. I returned the equipment as instructed, and it is not my fault that the equipment was misplaced at the warehouse/storage facility. This incorrect reporting of a collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX # XXXX is reporting an account with a balance to my credit that should not be on there. I settled this account a while back and it says it is settled on my credit report, but it is still reporting a balance. It should not have a balance on it and I need this account removed.
Consumer complaint received 2020-02-26
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)

I applied for a credit card at XXXX XXXX todayXX/XX/2020 and I did not get approved due to my credit score and history. I looked into it more and I discovered five accounts with bad payment history appearing on my credit. None of these accounts are mine ; I have never opened an account with any of those companies and I did not allow any other person to open an account with these companies using my name, social or address. I did not make any payments towards these accounts and I did not get anything as a result of these accounts that were opened on my behalf. I filed a police report with the information that I have so far.
Consumer complaint received 2020-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

FOR 7 years XXXX has placed an unverified and invalidated charge off account on my credit report & is in violation of Federal Law. The damage has been done to my credit report and it is time for it to come off according to the statues of limitations. PLEASE REMOVE THIS CHARGE OFF ACCOUNT from my credit report because it has caused financial and emotional duress to me and family. XXXX is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of XXXXXXXX first investigation and subsequent reinvestigation, XXXX stated in writing that they verified that this charge off account is being reported correctly? Who verified these accounts? XXXX has NOT provided me a copy of ANY original documentation ( a consumer contract with my SIGNATURE on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, XXXX   has failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. .. I HAVE NO CONTRACT AND NO CONTRACTUAL  OBLIGATIONS TO XXXX OR ANY OF THESE NEGATIVE ACCOUNTS! XXXX HAS NO PROOF THAT I OWE THEM MONEY AND MUST REMOVE THIS CHARGE OFF/COLLECTION FROM MY CREDIT REPORT IMMEDIATELY AND PERMANENTLY. The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following account FROM XXXX BE REMOVED! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2020-01-20
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. (FL)

FOR 7 years XXXX has placed an unverified and invalidated charge off account on my credit report & is in violation of Federal Law. The damage has been done to my credit report and it is time for it to come off according to the statues of limitations. PLEASE REMOVE THIS CHARGE OFF ACCOUNT from my credit report because it has caused financial and emotional duress to me and family. XXXX is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of XXXX  first investigation and subsequent reinvestigation, XXXX  stated in writing that they verified that this charge off account is being reported correctly? Who verified these accounts? XXXX has NOT provided me a copy of ANY original documentation ( a consumer contract with my SIGNATURE on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, XXXX  has failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. .. I HAVE NO CONTRACT AND NO CONTRACTUAL OBLIGATIONS TO XXXX  OR ANY OF THESE NEGATIVE ACCOUNTS! XXXX HAS NO PROOF THAT I OWE THEM MONEY AND MUST REMOVE THIS CHARGE OFF/COLLECTION FROM MY CREDIT REPORT IMMEDIATELY AND PERMANENTLY. The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following account FROM XXXX BE REMOVED! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2020-01-21
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)

I am a VICTIMof off base/strange/invalid/obsolete as well as conceivably even false deception within my Transunion credit report. This condemning of themis-announcing/mis-informationaffidavit is to declare my direction that you, asregulated, produce physically countersferfederal laws of my debates or acknowledge and encourage my solicitation that you either erase/or obstruct at any rate the accompanying unsubstantiated/yet-avowed/obsolete/distorted/consolidated/unrecognized/and additionally fake data from my credit record. I request to be persuaded ( as ordered ) that you can sufficiently confirm in imperative correctly how the falsehood come to occur if even by any stretch of the imagination, with my insight AND approval recorded as a hard copy of any individual/people/or substances that may be certainly mindful or even that I genuinely got any cash, products, or administrations because of the contested deception ofINACCURATE MISINFORMATION/UNVERIFIABLE and INVALID INFORMATION/POSSIBLY FRAUDULENT data or potentially even conceivable of Identity Theft thus myutilzationof this controlled Identity Victim 's Complaint and Affidavit
Consumer complaint received 2020-01-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MD)

In XX/XX/XXXX, I received this msg ; Shellpoint Mortgage Servicing would like to welcome and inform you that effective XX/XX/XXXX, the servicing of your loan has transferred or will transfer from XXXX XXXX XXXX XXXX XXXX to Shellpoint. In my loan modification agreement with XXXX, page 3 ; item C ; paraphrasing, " so long as your modified loan remains in good standing, on the first, second and third anniversary of XX/XX/XXXX, the lender shall reduce the deferred principal balance equal to one-third of that balance. XXXX did the first one-third write-down ( {$37000.00} ). After the loan transfer ; I contacted Shellpoint ( XXXX XXXX ) to request that the second one-third to be written off. Nothing happened. I sent another email XXXX XXXX, XXXX requesting that the balance to be fully written off. I received an email to call XXXX XXXX, which I did ; left a msg ; have not heard anything. I have not been successful at getting Shellpoint to honor this agreement and write off the second and third reductions. This is affecting my credit score because Shellpoint is reporting the mortgage balance with the deferred balance included. I ask for your help. Thanks you.
Consumer complaint received 2019-08-27
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. (IL)

My car was repossessed XX/XX/XXXX and was redeemed the following day XX/XX/XXXX. The " Redeemed Repossession '' comment is still reporting as of XX/XX/XXXX and negatively affecting my credit score. This is currently violating the FCRA 15 U.S. Code 1681c due to reporting after the 7 year / 7 year 180 day mark.

Per 15 U.S. Code 1681c ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ...

( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.5 Also : ( c ) Running of Reporting Period ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) 6 of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.
Consumer complaint received 2020-01-21
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. (OH)

XXXX XXXX forcing paperless billing without consent. 
Did not get a paper bill for XX/XX/XXXX/XX/XX/XXXX then again XX/XX/XXXX/XX/XX/XXXX. Card was then shut off until I called them then sent check for entire balance XXXX {$2000.00} I paid {$25.00} fee {$20.00} interest for XX/XX/XXXX statement then paid {$39.00} fee {$31.00} interest XX/XX/XXXX statement. Was told no refund then it is on my credit report. I would like it expunged from my record and XXXX need not turn accounts into paperless at there will will they acquire your e-mail address. I ordered a new card online prior to this and they signed me up for paperless automatically. I did NOT approve they say I did. 
No one pays a bill they do not receive. I am positive this has happened to many others. I believe the interest and fees they charge under these circumstances are fraudulent
Consumer complaint received 2020-01-21
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. (WA)

I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.
Consumer complaint received 2020-01-21
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. (MD)

Have asked for this information to be verified by mail. As of XX/XX/20, I have not received any information by mail. It have been removed from certain bureaus. Remove from All per FCRA and HIPAA.
Consumer complaint received 2020-01-21
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NV)

On XX/XX/XXXX. I sent in a dispute into Equifax at the address of record ; XXXX. XXXX XXXX, XXXX, GA XXXX. The tracking number for this dispute is : XXXX. 
The letter was received on XX/XX/XXXX at XXXX and was signed by XXXX XXXX According to the F.C.R.A. 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Equifax has 30 days respond to the dispute beginning on the day the letter is received. It is now XX/XX/XXXX and I have yet to receive a response from Equifax regarding the results of my dispute. I contacted Equifax at XXXX PST and originally spoke with XXXX XXXX , when I stated the nature of my call and demanded that the incorrect information be removed from my report based on the law as mandated by the FCRA XXXX the agent hung up on me at approximately XXXX PST. I immediately called back and spoke with another agent XXXX, ID # : XXXX. XXXX says that they did not receive my letter until XX/XX/XXXX. Which is factually inaccurate as I have proof that the letter was indeed delivered and signed for on XX/XX/XXXX at XXXX. She also specified that XXXX XXXX XXXX responded to them on XX/XX/XXXX - which is still more than 30 days after receipt of my letter. After getting nowhere with XXXX, I requested to speak to a supervisor. The supervisor XXXX ID # : XXXX regurgitated the same inaccurate information. When I recited a portion of the FCRA, he stated that Equifax has its own internal policies. In response, I asked if Equifax was violating the law. He replied that Equifax is following the law and refused to remove the disputed information. 

The letter that was sent was itemized. There were eight accounts in this dispute and they should be updated accordingly. 
XXXX XXXX XXXX XXXX - removed US Department of Education ( 4 accounts ) - removed XXXX XXXX XXXX - removed XXXX XXXX XXXX XXXX - late payments removed XXXX XXXX XXXX. - removed
Consumer complaint received 2019-08-27
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: Experian Information Solutions Inc. (NJ)

There are accounts reporting on my credit file as a result of identity theft. Please remove the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX The following Inquiries was not authorized by me : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, Incorrect Names : XXXX and XXXX Incorrect Addresses : XXXX XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2020-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

When the bogus accounts were first noticed. XX/XX/2019 I sent information to them as well as contacted them regarding the issues they first came back with information had been verified as accurate this information is not mine. I also spoke with a representative that stated that they would not investigate the fraudulent accounts they would send it to the creditor reporting and have them investigate it. I have notified the credit reporting agencies more than 3 times and they have yet to correct this information.