davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-17
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)

On a XXXX call on their recorded lines at transunion was left to be willfully hung up on after explaining to the supervisor the FCRA protections for inquiries and XXXX XXXX account fraudulently being reported. She decided to hang up and go silent. They have a police report on file as well as the FTC report and I have attached all documents including address and ID confirmation to this complaint to ensure to no reason to not handle this CFPB complaint. I've also attached a court ordered document from the illegally reported involuntary dismissal of identify theft public record directly from the Judge. Protection under 303 BK code. two items below violating FCRA laws ( 605b must be blocked no later than 4 days of receipt which they verified receiving XXXX ) *Public Record : Reference # XXXXXXXX XXXX XXXX  involuntary dismissal due to ID theft related accounts already removed. Direct letter from Judge. *Account : XXXX XXXX {$0.00} balance Also protected by FCRA if any information has proof to be misreported it can not be listed on any consumer report. I've attached the other 2 agencies full reports to show all these items in question are verified as fraud and not reporting. I am seeking prosecution for the willful ignoring of government laws and paperwork.
Consumer complaint received 2023-04-14
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: EQUIFAX, INC. (CA)

I am writing to delete the following information in my file. The items I need to delete are listed in the report. I am a victim of Identity theft and I did not make the charge. I asked that the items be deleted to correct my credit report. I reported the theft of my Identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade commissions Identity Theft affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-04-17
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)

On a XXXX call on their recorded lines at transunion was left to be willfully hung up on after explaining to the supervisor the FCRA protections for inquiries and XXXX XXXX account fraudulently being reported. She decided to hang up and go silent. They have a police report on file as well as the FTC report and I have attached all documents including address and ID confirmation to this complaint to ensure to no reason to not handle this CFPB complaint. I've also attached a court ordered document from the illegally reported involuntary dismissal of identify theft public record directly from the XXXX. XXXX under XXXX XXXX code. two items below violating FCRA laws ( 605b must be blocked no later than 4 days of receipt which they verified receiving XXXX ) *Public Record : Reference # XXXXXXXX XXXX XXXX involuntary dismissal due to ID theft related accounts already removed. Direct letter from Judge. *Account : XXXX XXXX {$0.00} balance Also protected by FCRA if any information has proof to be misreported it can not be listed on any consumer report. I've attached the other 2 agencies full reports to show all these items in question are verified as fraud and not reporting. I am seeking prosecution for the willful ignoring of government laws and paperwork.
Consumer complaint received 2023-04-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # 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 2023-04-14
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. (PA)

I submitted dispute for a credit card account on my report, that is showing " closed included in bankruptcy '', but I have my court documents showing that this account was never filed in my bankruptcy case in XXXX XXXX. 

I sent dispute to XXXX on XX/XX/XXXX and it was investigated and updated to my credit file on XX/XX/XXXX with the exact same information no changes. 

They said it was verified as accurate but I know for a fact it was not listed on any of court documents as part of a bankruptcy. I would like them to correct this information or delete it.
Consumer complaint received 2023-04-14
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. (FL)

I have contacted XXXX XXXX about the late payments on my account. This happened around the beginning of XXXX where I missed a payment and they reported it. By law, the payment was incurred due to the coronavirus outbreak and I was unable to make the past payment.
Consumer complaint received 2023-04-14
Product: Vehicle loan or lease — Loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Innovate Managed Holdings, LLC (FL)

Dear Consumer Financial Protection Bureau, I am writing to file a claim against Innovate Loan Servicing Corporation, also known as Innovate Auto Finance, for their failure to report my auto loan to the credit bureaus. On XX/XX/XXXX, I took out an auto loan for {$34000.00} to purchase a XXXX XXXX XXXX XXXX, with an annual percentage rate of 20 %. 

Since then, I have made on-time monthly payments of {$830.00} through the platform ils.theinnovatecompanies.com. 

However, when I attempted to refinance my auto loan with a different company in the first week of XX/XX/XXXX, I was informed that my auto loan did not appear in my credit report. 

Upon checking my XXXX XXXX account, I discovered that Loan Servicing Corporation had not reported my auto loan to any of the three credit bureaus - XXXX, XXXX, or XXXX. 

I contacted the company on XX/XX/XXXX, and spoke to XXXX XXXX, who assured me that they would send emails to the credit bureaus to rectify the situation, and that they would call me back in two days. 

After a week passed without any communication, I called Loan Servicing Corporation again and spoke to XXXX XXXX, who provided me with the same response. She told me that the company would call me back, but they never did. As a result, I continued to lose money as I could not refinance my auto loan with a better interest rate. 

I called Loan Servicing Corporation again on XX/XX/XXXX, and spoke to XXXX XXXX, who informed me that the company had already sent emails to the credit bureaus. However, when I contacted XXXX and XXXX, they confirmed that they had not received anything. 

After speaking with XXXX XXXX, I requested to speak with his supervisor, but he refused to connect me. I called Loan Servicing Corporation again on XX/XX/XXXX, and spoke to XXXX XXXX, who provided me with the same information that they would contact their supervisor to resolve my situation. 

On XX/XX/XXXX I submitted a claim with the XXXX XXXX XXXX, and they tried to reach the company in several occasions, with no success. 

I am frustrated with Loan Servicing Corporation 's lack of responsibility and inability to resolve a simple issue. It is their responsibility to report my loan to the credit bureaus and follow the law, so I can refinance my car with a different company. 

I called XXXX again, and they opened a case number XXXX so that Loan Servicing Corporation could send my loan information via fax to resolve my situation.

I have made multiple attempts to contact Loan Servicing Corporation, and I am no closer to resolving this issue. I feel as though they are mocking me and disregarding my situation. I need to resolve this issue as soon as possible, and I request that the Consumer Financial Protection Bureau intervene in this matter. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-04-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (TX)

This is not my debt it is supposed to from XXXX XXXX XXXX. I have no knowledge of this account as I have had a att cell phone open active and current for over 20 years. I sent this company a debt validation letter and it was removed from my credit report only to reappear a month later. The first notice I received of this so called debt is when it appeared on my credit report, no letter or phone calls.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under XXXX according to XXXX-Debt Final Rule XXXX XXXX XXXX XXXX ( XXXX ) XXXX -- XXXX ( XXXX ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2023-04-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (TN)

Company has copy of complaints and occurrences which a few were in the actual branches I also have video and call logs The company has acknowledged my discrimination and now harassment due to the fact I filed a complaint they call frequently throughout the day I also had a home foreclosed on And have suffered years of hard discrimination  from the company mainly from what I see simply because of my name I even have proof of an email they sent purposely Spelling my name WRONG as a cruel joke they called me XXXX XXXX XXXX
Consumer complaint received 2023-04-17
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. (GA)

Hello, I sent in multiple letters to XXXX, XXXX, and experian and the credit companies are not complying with their own policies in a timely matter. 

XX/XX/2023 and also XX/XX/2023 I sent a letter to all credit bureaus nothing was done {$3700.00}, {$710.00}, {$250.00} are still showing on my credit report.
Consumer complaint received 2023-04-17
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. (PA)

Account that is shown on consumer reports doesnt belong to me, and I have given no written instructions to furnish this information pursuant to 15usc 1681b ( 2 )
Consumer complaint received 2024-10-02
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. (IL)

Consumer Name : XXXX, Consumer Social Security Number :, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. The accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. The company agreed to remove the account but XXXX, Experian and XXXX still has not removed. I have attached the letter.
Consumer complaint received 2023-04-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (KY)

On XX/XX/XXXX I started a process to refinance my home with my mortgage lender XXXX XXXX XXXX XXXX. This lender i have since XXXX. I bought a property located in XXXX KY. This property had two adjacent lots in conjunction with the house. 
one at each side of the property. I paid a realty attorney to have partial release of those lots with their own deeds and this process was completed in XXXX. On XXXX we decided to refinance the home and get some cash out for home improvements. XXXX XXXX did the process and sent an appraisal person to appraise the property. We had the loan approved, we contacted XXXX XXXX they said everything was approved and the agent told us that the property was appraised as a whole with the lots included, to our surprise because we never talked about including the lots. She stated that in the past we mentioned to them that we were paying taxes at the end of the year and the property was taxes were not included in the escrow account now they fixed it and included lots and house in one account that way taxes were included in the escrow account. We then accepted that decision without much information or clarification from them and without knowing consequences. Three months ago we needed to sell one of the lots due to financial problems to find out that we were not able to sell due to the lots being included in the loan. After we paid to do process four years ago now XXXX XXXX said they can not do anything because we agreed to the loan and the lots were included. They said Penny Mac our servicing loan company is supposed to do it, Penny Mac is being holding this case since XXXX to XX/XX/XXXX and we still haven't heard anything done. We need this issue resolved asap, we don't know what else to do, This is Unethical, Unprofessional and abusive from this mortgage lenders, XXXX XXXX and Penny Mac. Can any one help please?
Consumer complaint received 2023-04-14
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. (FL)

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. 

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, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

My current loan servicing company, PHH, is refusing to provide me with complete loan documentation that should be on file. PHH took over the mortgage servicing from Ocwen Mortgage services. The complete files should have been forwarded to PHH. I am requesting modification documents from the year XXXX showing that my XX/XX/20 loan was modified into 1 mortgage while with OCWEN. 
PHH is telling me to forward them documentation of the modification so they can research the issue. If I had this documentation, I would not be requesting it from MY mortgage servicing company. They are basically asking me to do their work. This is pertinent information that should be kept on file, regardless of the time frame it has been and that it the transaction was completed while with the previous servicing company. 
This is causing me a hardship as I am attempting to complete repairs on my home ( roof and HVAC ). These repairs are essential so that I can obtain reasonable home owners insurance. The agency that is assisting me with financing is requesting documentation that I do not have a 2nd mortgage any longer with OCWEN. 
I am kindly requesting your assistance in obtaining the proper documentation. 

Name : XXXX XXXX Property Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : XXXX Old Ocwen Loan number from 2nd mortgage : XXXX Current Mortgage acct # : XXXX PHH Mortgage Services XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX ( Phone : XXXX Fax : XXXX )
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (LA)

This is my second time writing to you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX LA XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons.
Consumer complaint received 2023-04-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have recently disputed the inaccuracies of the late payments on my report. The CRAs have stated that they verified this information. However, In accordance with the fair creditor reporting act these creditors XXXX XXXX XXXX XXXX XXXX have violated my rights under 15usc1681 sec602. I also have the right to privacy under 15usc 1681sec 604 ( a ) sec ( 2 ) which states a consumer reporting agency can not furnish an account without my written consent under15usc 1666 ( b ) a creditor can not treat a payment on a credit card account under an open and consumer credit as late for any purpose.
Consumer complaint received 2023-04-17
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: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

I have a particular account that is stating that I owe {$10000.00} and it is listed on my credit report. I reached out to them via mail on several occasions for validation and I have yet to receive a response. 

I recently reviewed my credit report and it says that the account is still opened.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.