davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-08
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. (PA)

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the XXXX Credit Bureaus in an attempt to receive verification of the following items. 

XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2019-05-17
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: ERC (TX)

A company Enhanced Recovery added a credit collection to my report stating this was opened XXXX of this year and I know which account this is ... it was opened 5 yrs ago or more for air time on a cell phone, and I tried to get them remove some of the erroneous charges on my bill for a long time back then. I had XXXX dispute it and they left on my report ... XXXX removed it from theirs ENHANCED RECOVERY  CO XXXX Original Creditor XXXX Open Date XX/XX/2019 Balance {$1500.00} Contact Information XXXX XXXX XXXX, XXXX, FL XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2019-08-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (PA)

I was approved for a mortgage modification by Owen in XXXX of XXXX. I paid required payment of {$XXXX} to Ocwen and verified it was received on XX/XX/19, with due date of XX/XX/19. 
On XX/XX/19 I received written confirmation by XXXX, relationship manager with Ocwen that modification would be upheld by PHH when {$XXXX} was received. 
OnXX/XX/XXXXXX/XX/19 my loan with Ocwen was transferred to PHH Mortgage. I was informed by PHH that they did not have access to my financial records or notes on the account until XX/XX/19 due to the transfer of service provider. 
I was required to pay one additional payment to complete the trail payment for completion of permanent modification. Total number of payments under trial payment period was 3. Two of the payments were made XX/XX/19 and the third payment of {$XXXX} was mailed on XXXX  by my personal checking account sent to PHH at their XXXX mailing address. After 14 days, I contacted PHH and was told the payment was not received by them. I placed a stop payment on my personal account and resent a cashiers check of {$XXXX} through XXXX XXXX XXXX XXXX XXXX and mailed using USPS Priority Mail with tracking number included. I confirmed with USPS that my payment was received on XX/XX/19 at XXXX XXXX  in XXXX post office and was picked up by an authorized mail courier. PHH denies ever received or crediting my payment sent via priority mail. 
After phone conversations with a PHH manager on XX/XX/19 was made and manager agreed to take a phone payment using my personal checking account. OnXX/XX/19 payment was withdrawn in the amount of {$XXXX}. 
On XX/XX/19 I received the original payment of {$XXXX} back to me in the mail along with letter saying it was not sufficient to bring account current. 
My home is now in forclosure but no date of sale has yet been assigned. My due diligence was made in every way to make the agreed payments but have not received any assistance by PHH. 
I was informed by my credit union where cashiers check was purchased that they can not refund the missing {$XXXX} until after a 90 day claim waiting time. 
It appears to me that PHH wishes to foreclose on my property rather than fix the issue of missing payments attempted to be made by me. I offered to pay over the phone for entire amount due or even do a wire transfer to them. Both of these options were denied by PHH. I was informed only a check mailed to the XXXX USPS would be accepted and I have until the last day of XXXX to make that payment. I have confirmed with a supervising customer representative at the USPS XXXX that the zip code I mailed to is specific to PHH and a courier signs for all pick ups from that location. The USPS supervisor also explained they have many, many complaints of payments not being credited or received by PHH/XXXX XXXX  processing center. 
I can not take the chance of attempting to mail another payment since past history shows there is a significant issue in mail delivery to PHH.
Consumer complaint received 2022-04-08
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: EQUIFAX, INC. (WA)

I initially sent out a letter three months ago. I have provided proper identifications and copies of the credit reports with inquiries that are not consented to by me. It is also a violation to furnish social security number on the credit report. That's can result in fraud and identity theft as well. I have also sent a separate letter disputing that error as well.
Consumer complaint received 2020-06-20
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (OH)

This XXXX XXXX loan for {$500.00} fell behind after job loss. This company used the XXXX XXXX app, and requires a subscription service to access these {$500.00} loans that can be repaid and taken out repeatedly. The service advertises that the membership can essentially pay for itself by having you deposit money into an investment account. 

Due to job loss, I was no longer able to pay for their membership and unable to access the details of my account. After some time, the company sent me a notification around XXXX of XXXX that funds from my investment account were used as a payment for the loan. From then on to XX/XX/XXXX, I had received no correspondence by email or physical mail to my address regarding this account. 

As such, I filed a dispute with XXXX, XXXX, and Experian with regards to this account because it had not reported any payment history since XXXX of XXXX. On XX/XX/XXXX in response to my dispute, XXXX reported 13 consecutive missed payments to my report, all but 3 reported as 120 days late. Some payments are egregiously reported as 120 days late such as XXXX and XXXX of XXXX, even though 120 days has yet to pass from those time periods. 

On XX/XX/XXXX, XXXX was paid {$230.00}, the remaining balance on the loan upon discovering the payment history update to my reports. I explained to a representative the situation that I received no notifications or notices regarding the status of this account until this very dispute and I was directed to a form for them to perform an investigation. I had asked for adjustment to the report due to the unfair and egregious reporting. 

On XX/XX/XXXX, XXXX XXXX team responded back via email with an aggressively worded response, stating that no adjustments will be made and that they " will not respond to further request that is substantially the same as the previous request ( s ) submitted by you or on your behalf ''. 

I fully acknowledge that my financial situation at the time did not allow me to make payments as agreed. However, once my account had fallen behind, the company made no attempt contact with me for over a year to address my account after my investment account had paid for it. To report no information on my reports in that entire time frame until a dispute was filed feels incredibly aggressive and egregious considering the circumstances.
Consumer complaint received 2023-10-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

On XX/XX/2023, My bank account information with XXXX XXXX XXXX XXXX was hacked and someone was able to take out a fraudulent loan in my name. XXXX XXXX XXXX XXXX is aware that it was a fraud loan, but continue to punish me by stating that I am responsible for the fraudulent loan amount and that it will continue to negatively affect my credit score if it is not paid. I have called numerous times, and spoke to the manager of the loan department. No one was helpful, no one took me seriously and there was no help whatsoever offered. The person was even identified using an IP address that Ive never used before in a different state. They have no account security or recovery policies in place to help their customers who are victims of fraud because of their negligence.
Consumer complaint received 2022-04-08
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: EQUIFAX, INC. (GA)

My issue is with Equifax mishandling my credit file ... In particular XXXX XXXX XXXX, on my credit file that was deleted back in XXXX due to fraud..The FCRA requires credit reporting agencies to notify consumers 5 days prior to reinsertion of a previously deleted account..I was never notifed of this account being reinserted back onto my credit file..I have sent certified letters to Equifax in regards to this matter..I have not recieve a reply..I also ask for documents or any instrument bearing my signature or consent that this account belongs to me in the past..It was deleted 4 years ago due to fraud, police report, .and FTC identity theft report..However, it has reappeared back on my file as of XX/XX/XXXX without justification. Which is a violation of federal law governing credit reporting..
Consumer complaint received 2022-08-11
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. (SC)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-06-20
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (OH)

This XXXX XXXX loan for {$500.00} fell behind after job loss. This company used the XXXX XXXX app, and requires a subscription service to access these {$500.00} loans that can be repaid and taken out repeatedly. The service advertises that the membership can essentially pay for itself by having you deposit money into an investment account. 

Due to job loss, I was no longer able to pay for their membership and unable to access the details of my account. After some time, the company sent me a notification around XXXX of XXXX that funds from my investment account were used as a payment for the loan. From then on to XX/XX/XXXX, I had received no correspondence by email or physical mail to my address regarding this account. 

As such, I filed a dispute with XXXX, Equifax, and XXXX   with regards to this account because it had not reported any payment history since XX/XX/XXXX. On XX/XX/XXXXin response to my dispute, XXXX reported 13 consecutive missed payments to my report, all but 3 reported as 120 days late. Some payments are egregiously reported as 120 days late such as XXXX   and XX/XX/XXXX, even though 120 days has yet to pass from those time periods.
On XX/XX/XXXX, XXXX  was paid {$230.00}, the remaining  balance on the loan upon discovering the payment history update to my reports. I explained to a representative the situation that I received no notifications or notices regarding the status of this account until this very dispute and I was directed to a form for them to perform an investigation. I had asked for adjustment to the report due to the unfair and egregious reporting. 

On XX/XX/XXXX, XXXX 's team responded back via email with an aggressively worded response, stating that no adjustments will be made and that they " will not respond to further request that is substantially the same as the previous request ( s ) submitted by you or on your behalf ''. 

I fully acknowledge that my financial situation at the time did not allow me to make payments as agreed. However, once my account had fallen behind, the company made no attempt contact with me for over a year to address my account after my investment account had paid for it. To report no information on my reports in that entire time frame until a dispute was filed feels incredibly aggressive and egregious considering the circumstances.
Consumer complaint received 2022-04-06
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. (MS)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

Company not licensed to collect in the state of Illinois. This is a violation. They also never presented a contract showing I owed them any money. 

I noticed my credit report had a collection account on it. I immediately sent the company a letter. They in turn sent me a letter dated XX/XX/2019 regarding my request for reinvestigation. Issue is, I never requested anything be reinvestigated. I have never done business with XXXX XXXX XXXX, XXXX. What they did was send me a bill from another company and 2 pages of a rental agreement bearing the name of a rental   complex. That agreement does not show XXXX XXXX XXXX, XXXX to be the company due payment, yet they sent that with an expectation of payment to them.
Consumer complaint received 2022-08-09
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

XXXX hasnt reported or updated any payment history or account balance for the month of XXXX for my XXXX XXXX account XXXX XXXX is only reporting a old balance for the month of XXXX and nothing is reported for XXXX. 

My XXXX finance balance is currently {$1100.00}.
Consumer complaint received 2020-06-20
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. (NV)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3200.00}, {$990.00}, {$8900.00}, {$3000.00}, {$0.00}, {$28000.00}, {$3000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated onXX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$990.00} -This is not my account. 


-- PERSONAL ACCOUNTS 3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8900.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$28000.00} -This is not my account. 


-- COLLECTION ACCOUNT 7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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.

has violated my rights. Or a list of inquiries : 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 2022-07-30
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. (PA)

I am XXXX XXXX, who is submitting this CFPB complaint. Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

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.

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.