davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

On XX/XX/2017 Portfolio Recovery Associates illegally reported a debt to the credit bureaus for the second time that they had known knowledge from my prior correspondence to them that this debt was known by the original creditor XXXX XXXX to not be my debt. Portfolio Recovery Associates continues to attempt to collect this debt violating my rights under the FCRA. This company company continues to illegally practice illegal business practices and causing me undue hardship. I request that they immediate cease and desist reporting fraudulent accounts against my person and reporting such information to the credit bureaus. Furthermore, this illegal debt was purchased from a third party with fraudulent information against my person and Portfolio Recovery should immediately destroy the information that is illegally reporting against my person, and not sell the debt to another third party. In addition, I have attached a letter from the original credit regarding this debt and how it was to be removed from all credit reporting agencies.
Consumer complaint received 2017-11-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NC)

Called staff XXXX, XXXX agent no information from agent told Ombudsman office handling account left message to have some call me about account issues. 
XXXX Ocwen XXXX, asking XXXX to have agent handling account to call me as customer service could not talk about account. No rep from a Ocwen has called. 
Received doc requesting proof of payments. We sent docs XXXX to Ocwen verifying XXXX / Ocwen issues. Informed the docs were destroyed, per their 5 year rule to maintain records. Despite XXXX XXXX Supporting docs, transferring information / files from previous servicer would be maintain. 
Ocwen XXXX XXXX is a constant predatory and unfair servicer with many facillies in servicing loans, even simple communication.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have 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, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

WEBBNK/FHUT ****
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I'm seeking your help to address the incorrect account reflected in my credit report. This concern has affected my personal reputation, and I need your cooperation in resolving it. The mishandling of my credit has devastated my reputation, and the inaccurate information must be removed immediately.
Consumer complaint received 2017-12-18
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (UT)

Since XXXX XXXX when we realized our mortgage had once again been switched over to another company ( XXXX XXXX XXXX ) ; we have faxed ( XXXX XXXX, XXXX ) them the information they needed to do our loan modification, emailed them XXXX times, and then mailed them all of the same information that was faxed to them on XXXX XXXX, which they received on XXXX XXXX, XXXX according to the tracking number. Every time I contacted XXXX XXXX services, after I had sent them the information they requested I was told they still had not received the information they needed to do our loan modification. 
When I spoke with XXXX XXXX on XXXX XXXX, that was when she informed me she still had not received the mailing, and then sent the email to the party who signed for it to try and locate that mailing. We then agreed upon a payment on XXXX/XXXX/XXXX Payment Applied {$1000.00}. When I then called in to see if anything had been done about the mailing I ended up having to call 4 times, and made sure they entered the tracking number with the persons name who had signed for it to be documented in our record. To this day nothing has been settled to have them modify our loan due to their negligence and inability to notify us of any help that we need so we can make payments we are able to afford. Even after calling that day 4 times, XXXX XXXX has not returned any of my calls even when I 've left messages for her to contact me. 
Thank you for your time
Consumer complaint received 2017-12-18
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. (NY)

I had a loan with XXXX XXXX XXXX. i did n't make any payments on the loan for 6 years and due to the " statute to limitations '' the loan collector should not be contacting me any more, by they still are in both forms phone call 's and letters. I am also trying to buy a house for my family and found out that i can not get a USDA loan for the house because XXXX XXXX XXXX has filled the loan as a government delinquent loan. The problem with that is the loan is a private loan not a federal/Government loan. due to the way they filled the lion on my credit report i am not able to buy my first home.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

This is really exhausting, I've been attempting to contact the appropriate channels about the errors on my credit report for so long now, but I haven't had any success. It's been incredibly frustrating and stressful, keeping me up at night wondering about my financial future because these inaccuracies are unfairly impacting my credit score and preventing my credit applications from being approved.
Consumer complaint received 2017-12-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (WI)

Had a previous loan with onemain financial with co-signer and lien on vehicle at the few flaws on credit.My loan was paid off with good standing and earlier XX/XX/XXXX.How ever the office made several calls to borrow again, and loan offer invite letters.On XX/XX/XXXX i applied for smaller loan XXXX dollars I was told that not enough credit, or co-signer, or a vehicle.My credit has improved I feel because I receive XXXX and work part-time there using that against me and to mention a hard inquiry on credit lowering my score.I also believe there using people like me crifeteria to gain co-sign customers to enhance there business.
Consumer complaint received 2017-09-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CCS Financial Services, Inc. (CA)

I bought my home on XX/XX/XXXXand i got Home owners insurance trhough XXXX XXXX which will be need to be renewed on XX/XX/XXXX. On XX/XX/XXXX I notified XXXX XXXX that i no longer will need the services for XX/XX/XXXX-XX/XX/XXXX. I got a new insurance company. yesterday i received a collection notice from credit collection services that i need to pay {$54.00} that i owe to XXXX XXXX i feel that XXXX XXXX have not honor me my cancelation notification 60 days prior to XX/XX/XXXX BECAUSE I WAS NOT RENEWING CONTRACT WITH THEM ANYMORE.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX License Number : XXXX XXXX ( Office ) XXXX ( Fax ) XXXX XXXX XXXX XXXX NOT A PROFESSIONAL PERSON TO DEAL WITH
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Re : Dispute of Inaccurate Credit Reporting and Request for Investigation Dear CFPB, I am writing to report violations of the Fair Credit Reporting Act ( FCRA ) by Experian, XXXX, and XXXX ( collectively, the " Credit Bureaus '' ) regarding inaccurate information on my credit reports. Despite multiple disputes and evidence provided, the Credit Bureaus have failed to correct the errors. 

Account Information : XXXX Account # XXXX Open Date : XX/XX/XXXX Closed Date : XX/XX/XXXX Dispute History : - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX Evidence Submitted : - Letters to each Credit Bureau - Records showing equipment returns on XX/XX/XXXX - Email from XXXX XXXX dated XX/XX/XXXX - Recordings from XXXX stating the balance of {$2200.00} includes equipment charges totaling {$820.00} Facts : 1. The Credit Bureaus have reported an incorrect balance for the past 5 years. 
2. I have repeatedly disputed this error, providing evidence to support my claims.

3. The Credit Bureaus have ignored my disputes, failing to investigate and correct the errors. 

Impact : - Inaccurate information has harmed my credit scores with all three Credit Bureaus. 

Request : 1. Immediate deletion of Account from my credit reports. 
2. Investigation into the Credit Bureaus ' handling of my disputes. 

Notice : If I do not receive a satisfactory response within 15 days, I will pursue legal action to protect my rights under the FCRA. 

I request your assistance in resolving this matter and ensuring the Credit Bureaus comply with federal regulations. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX, XXXX Attachments : - Copies of dispute letters - Evidence documents ( records, email, recordings ) - Proof of mailing ( certified mail receipts ) After 15 days, if unsatisfied, consider consulting with an attorney specializing in consumer credit law.
Consumer complaint received 2017-12-19
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. (MO)

I have send transunion several letters disputing the following inquiries 1.XXXX-XX/XX/XXXX 2.XXXX-XX/XX/XXXX 3.XXXX XXXX-XX/XX/XXXX 4.XXXX XXXX-XX/XX/XXXX 5.XXXX XXXX XXXX-XX/XX/XXXX 6. XXXX XXXX-XX/XX/XXXX 7. XXXX-XX/XX/XXXX 8. XXXX XXXX-XX/XX/XXXX Transunion is reporting these inquires on my credit report and refusing to remove them. They are reporting not yet proven compliant information. TransUnion has detailed on my credit report reporting several allegations of inquiries that have not been adequately verified in a compliant manner as mandated per the FCRA metro 2 reporting regulations, namely that they do not have verifiable proof or permissible purpose and the chicanery led to subterfuge is UNLAWFULLY injurious to my credit and reputation which is clear infringement of my consumer and civil rights instead of marking dispute on these errors after sending several dispute letters instead TransUnion ignored my letter. I informed them that I did not authorize anyone employed by the companies to make any inquiries and view my credit report. this is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. I requested that they remove the fraudulent inquiries from my credit report immediately that is maintain under my social security number.
Consumer complaint received 2017-12-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (FL)

On a line of credit with a balance of {$3700.00} Wells Fargo somehow took over the number one position lien position over my mortgage company. I asked how this could happen and there  response was it happened. I would like Wells Fargo to show me how this happened as I have always had a first mortgage on my home. Wells Fargo also changed the loan type Nowline opened in 2005 that I opened with Wells Fargo Financial to a Wells Fargo Prime Equity line not sending disclosures explaining the changes. I do n't know if there is a annual fee on this account what the fees are, I 'm guessing everything is the same??
Consumer complaint received 2017-12-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Paramount GR Holdings, LLC (FL)

I applied for a re-finance loan with this company. After several months of constant run around ( sinceXX/XX/XXXX, 2017 ) the company told me last week the loan was conditionally approved but advised it would not be funded until repairs from Hurricane Irma were completed. ( I have a pending insurance claim, however the appraisal of my home in its current un-repaired state far exceeds the requested loan amount ). I told them I did not want to wait that long and had found another mortgage company so I no longer wanted the loan. They agreed to return my appraisal fee. Today I received a letter that they DENIED my credit application. This is not true, I WITHDREW my credit application. I have since gone on the internet and have learned this company has done this to many others before when they have complained about the way this company operates. I am concerned this fraudulent DENIAL of credit will affect my credit score and affect my ability to re-finance with another company.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account with was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports XXXX
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

What happened : Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX Consumer XXXX : 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 TransUnion 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 receiving this complaint. This fraudulent, inaccurate, and false information consists of the following : 1. Hard Inquiries : Several unauthorized hard inquiries appearing on my consumer FICO credit report, including but not limited to the following : - Inquiry by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX XXXX Payments : Incorrect late payments reported on accounts that should be marked as paid off : - Late payment on account with XXXX XXXXXXXX date open XX/XX/XXXX. 


XXXX. Fraudulent Accounts/Collections : Accounts and collections reported inaccurately or fraudulently under my name, which I have no knowledge of : Accounts - XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. Incorrect addresses and personal information : - XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please see the Federal trade commission identity theft report : report number XXXX. 

I do not recognize or have never authorized the accounts, collections, or hard inquiries listed above. The aforementioned accounts, collections, and hard inquiries are inaccurate and must be removed from my consumer credit report maintained by your agency. This is also affecting my credit score unjustly.
Consumer complaint received 2017-09-10
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. (VA)

My information was compromise in the Equifax security breach on XXXX XXXX, XXXX. Also, why did the public just learn of this breach in XXXX when Equifax knew in XXXX? Equifax should pay to have my credit frozen.
Consumer complaint received 2017-10-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Santander Consumer USA Holdings Inc. (ME)

on XXXX XXXX, XXXX I faxed CHRYSLER CAPITAL asking to obtain information reguarding my account, with no response I then sent on XXXX XXXX, XXXX By registered mail asking for information on my account. Still with no response, even after it was signed for. By law I have every right to know and gather information as it is my account.