davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-09
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. (GA)

Im submitting a report to the CFPB against Experian credit bureau for failure to properly investigate my dispute regarding XXXX XXXX XXXX over an incorrect entry on my credit report. The report incorrectly lists a debt of {$1300.00} that I do not owe. I requested proof of my signature to verify that this debt is mine, but XXXX XXXX XXXX has not provided a signed documentation and has failed to remove the erroneous entry from my credit report. This lack of action has negatively impacted my credit standing.
Consumer complaint received 2024-10-09
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. (CA)

All information reflecting negative comments should be immediatey removed. Some if not all accounts say paid in full but yet negative reporting are affecting my lively hood. I will start the arbitration process if this is not corrected. A charge off is considered income, and according to the IRS income is forbidden to be on a Credit Report file. 15 USC 1681 2 AI. I should have received a 1099c for the listed accounts. XXXX XXXX XXXX has received a 1099c for car loan, but still are reporting this information on my credit file. I asked for immediate correction and or deletion of All Charge off Accounts.

Inquries I Never received any tangible items for these inquires listed and ask that they be removed immediately
Consumer complaint received 2018-03-02
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (CA)

I have telephone recording conversation when Ocwen Loan Servicing employees calling me several times harassing me threatening me with fraudulent seizer of my home I own and then me laughing at me before hanging up the phone. I would like the CFPB to listen to the recording. I have been brainstorming for a good new name for Ocwen Loan Servicing and its fraudulent foreclosures. Please dont change Ocwens future new name to the XXXX XXXX. Please name your fraudulent unorganized crime operation, Embezzlement, the pretender lender loan servicer because fraud-foreclosures is what we do.
Consumer complaint received 2018-03-02
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. (TX)

XXXX and XXXX issued me a credit card from XXXX XXXX  I have never once used this credit card however they are reporting a balance of {$820.00}. 

Incorrect information and I want it removed from my credit account they are reporting bad things on my credit report
Consumer complaint received 2019-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

There are many multiple incorrect addresses and name spellings on my credit report. 

Below is the only accurate information XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NY XXXX There are multiple miss spelled names that should be deleted off of my credit report, as well as multiple addresses which I never lived. 

The only previous address I should have on my credit report is XXXX XXXX XXXX  XXXX, NY XXXX Please delete the following addresses XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX
Consumer complaint received 2018-03-02
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: National Arbitration Forum (OR)

I received a call from a company claiming to be called National Arbitration from phone number XXXX. The call came in around XXXX. They called my spouse then my cell phone. When I answered they immediately asked how I was related to my spouse. I said who is this? He said he was with a company investigating a case of fraud and theft. I said from who? He said the state of Oregon. They said it was for theft of goods and services. I said who do you represent and then he finally said a XXXX loan company XXXX XXXX XXXX. I said oh ok well I need to let you know that I am in OR and you are calling way too early. He said he was not bound by any collection laws such as FDCPA. I told him I need to advise you I have an attorney that is hired to file bankruptcy and you need to contact him as Ace is named in our bankruptcy. He said it isn't filed yet. I told him that is all I have to tell you please contact my atty. He said well I am going to come to your house and you will be served any licenses you have will be terminated. So I hung up. He immediately called back with a blocked number and said they were on the way to our house and the he contacted the atty and he will not back me with this. I hung up again.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # 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 2018-03-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MB FINANCIAL, INC. (FL)

On XXXX XXXX, I went on XXXX to inquire about current interest rates on a new home purchase. I selected that I did NOT want to receive marketing solicitation and have my contact information shared. Despite this, I received an inundation of marketing phone calls and emails from lenders for the following 3 days, including on Sunday, at all hours of the day and night. I asked each of the callers to remove me from their call list and completed unsubscribe requests for all emails on the XXXX. I submitted the opt-out link directly on XXXX on the XXXX. All marketers abided by privacy with the exception of ONE : a  XXXX XXXX from XXXX XXXX XXXX, XXXX # XXXX. There is no unsubscribe link on his email, so I replied directly to him asking to UNSUBSCRIBE in no uncertain terms. I have received emails from him every single day since XXXX XXXX, now totaling 4 emails, and to each I have asked to unsubscribe, including most recently advising him if I was not removed from his marketing list that I would contact CFPB. He continues to send me these annoying emails after I have opted out and asked him directly to stop contacting me.
Consumer complaint received 2018-03-02
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. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX SSN : XXXX DOB : XX/XX/XXXX 2 XX/XX/XXXX To Whom It May Concern, I recently pulled a copy of my credit report and noticed the following information are in error. I have contacted all three credit bureaus XXXX, XXXX, and Transunion on XX/XX/XXXX and these inquires and addresses have not been removed. 

Credit Inquiries The FCRA states that the only permissible purpose for pulling someones credit report is Firm offer of XXXX XXXX XXXX XXXX Order The following credit inquiries are related to none of the aforementioned permissible purposes : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX   XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX, VA XXXX The following addresses are not related to me for any purposes : Former Address2 XXXX XXXX   XXXX, VA,XXXX First Reported XX/XX/XXXX Last Reported XX/XX/XXXX Former AddressXXXX XXXX XXXX XXXX XXXX XXXX, VA,XXXX   First Reported XX/XX/XXXX Last Reported XX/XX/XXXX Former Address4 XXXX XXXX XXXX   XXXX, VA,XXXX First Reported XX/XX/XXXX Last Reported XX/XX/XXXX Former AddressXXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA,XXXX First Reported XX/XX/XXXXLast Reported XX/XX/XXXX Former AddressXXXX XXXX  XXXX XXXX XXXX, VA,XXXX First Reported XXXXLast Reported XX/XX/XXXX Please remove these inquiries and addresses from my credit report immediately. I have enclosed a copy of my drivers license as proof of my identity. 


Respectfully, XXXX XXXX XXXX
Consumer complaint received 2018-03-02
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. (MA)

I have been working with a company that is reporting incorrect information to your credit bureau under my social security number. Upon reviewing a copy of my credit report XXXX is saying that I owe {$380.00}. I challenge the accuracy, compliance and reportability of this listing. Please validate this information with XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Consumer complaint received 2018-03-02
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: Flagstar Bank, N.A. (FL)

I have been going back and forth with the lender regarding removing 30 day late payments on my credit report for XX/XX/XXXX, XX/XX/XXXX and XX/XX/2017. I was unaware that the payments were being posted to the month prior causing the late. I made a payment every single month, and would have made a double payment had I known. These lates are really hurting my score and I would like for them to be removed.
Consumer complaint received 2018-03-02
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. (MA)

I have been working with a company that is reporting incorrect information to your credit bureau under my social security number. Upon reviewing a copy of my credit report XXXX is saying that I owe {$380.00}. I challenge the accuracy, compliance and reportability of this listing. Please validate this information with XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Consumer complaint received 2017-04-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (TN)

I attempted to start cell phone service with  XXXX   XXXX   XXXX  but cancelled withing the 14 day return period. The agent failed to document the return correctly and a bill was charged to me for {$740.00} in error. I received a call from a credit collection agency in an effort to collect what they though I owed. I got the necessary documents from  XXXX   XXXX   XXXX  and submitted a receipt and letter explaining the error. Now we are receiving calls again from another collections agency after  one yea r from original issue. I explained the situation to them but they will not except my explaination and is continuing their collection efforts which is calling several times a day and hanging up. They are also leaving messages with my employees stating that the company owes a debt that it does n't. The company harrasing now is RPM, under the names of  XXXX   XXXX  and  XXXX   XXXX  (  XXXX  ) Fax  XXXX .
Consumer complaint received 2018-03-02
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)

I HAVE TRIED SEVERAL TIMES AND SENT IN COMPLAINTS AND FAX IN REGARDS TO ID THEFT THAT OCCURED ON MY ACCOUNT. I LOST MY PURSE. IT WAS REPORTED TO XXXX COUNTY SHERIFF AND XXXX XXXX POLICE DEPT. THEY BASICALLY TOLD ME THERE WAS NOTHING THEY COULD DO. I WENT IN TO GET CAR FINANCING TO FIND MANY ERRENOUS ACCOUNTS ON MY CREDIT REPORT DUE TO IDENTITY THEFT THAT I HAD NO IDEA EVEN EXISTED. PLEASE CONTACT THE 3 BUREAUS ABOUT THIS MATTER SO I CAN RESOLVE OUTSIDE OF CIVIL COURT. I HAVE ASKED FOR MY REPORT TO BE CLEARED OF THESE COLLECTIONS AND FOR THESE ACCOUNTS TO BE UPDATED MY IDENTITY WAS STOLEN BACK IN 2005 AND I'VE BEEN BATTLING THIS FOR YEARS. WHY AM I BATTLING WITH THE CREDIT BUREAUS WHEN THEY ARE HERE TO PROTECT THE CONSUMER. I ASKED FOR A FRAUD ALERT TO BE PLACED ON MY ACCOUNT. AND THE FOLLOWING ACCOUNTS REMOVED. 

THESE FORMS HAVE BEEN SENT VIA FAX AND THEY SAY WE NEVER RECEIVED THEM. HOPEFULL THEY'RE RECEIVED FINALLY!! 

XXXX XXXX XXXX XXXX XXXX XXXX ACC NUMBER XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  AT THIS TIME I HAD INSURANCE THIS WASNT ME AND IT NEVER WENT THROUGH MY INSURANCE XXXX XXXX  XXXX XXXX Account Number : XXXX CREDIT INQUIRIES XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX , XXXX XXXX XXXX , XXXX , XXXX, XXXX XXXX
Consumer complaint received 2018-03-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (PA)

Southwest Credit Systems has put an account in collections that does not belong to me. I have had this removed from my credit report in the past because I have proved that it isnt my account, they remove it, then wait about 6-9 months and put it back on. Honestly this is harassment. I am in the process of buying a house and this continues to be a thorn on my side that I keep needing to have removed. Please stop allowing them to abuse my credit score, my finances and my right. Thank you.
Consumer complaint received 2018-03-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AR Resources, Inc. (PA)

I received an alert on my credit report that I have an account placed in collections. It said for AR Resources. It says it was opened on XX/XX/2017 yet I received absolutely no communication from this company about this alleged debt giving me no time to dispute the validity of it or even pay before it hit my credit report if it was in fact valid. Under the fair credit act I am allowed 30 days upon receipt of a collections letter to dispute but with no communication from the collector how was I able to dispute? My rights were not given to me and clearly violated.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # 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 2024-10-09
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. (FL)

I am writing to remove the following information from my file. The items I deleted are listed in the report. I did not do the authorization. I reported the lack of authorization of my identity to the Federal Trade Commission and I also have attached copies of the federal tray, the identity of the commission, the theft, the affidavit. Please remove these items as soon as possible.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I recently reviewed my credit report and noticed an account that was not reporting correctly. I had XXXX late payments on an account that I know in fact was in fact paid on time.The consumer reporting agencies need to report all information with complete accuracy.This account has not been on late on payments.I 've attached a copy of my report for this complaint on the following date ( XXXX, XXXX, XXXX  ) I'm now requesting you investigate this account and update these payments to paid on time immediately.Thank you for your understanding and prompt attention.
Consumer complaint received 2018-06-09
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: RentDebt Automated Collections, LLC (TX)

I have disputed an account with XXXX for RentDebt 3 times. This is not being removed from my report. I was contacted by the company one time and provided information payment made and video of apartment to show that the debt for XXXX is not valid and I only should owe an amount of XXXX I have asked for this information to be updated and XXXX keeps reporting the debt as XXXX and saying that the amount is correct.
Consumer complaint received 2024-10-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (WA)

Had I known that I would be contacting the Consumer Finance division of the government, I certainly would have kept better records. However, most of my interactions have been via email and/or phone calls. The emails go to an address that we are not provided, and is not known to us, and my emails do not come from my personal email account. 

A few years ago, I moved to pay our property taxes and homeowner 's insurance from the escrow account, so that we could, and do, pay on our own. Our homeowners insurance, renewed annually, the end of XXXX, and was paid in full. There was NO lapse in coverage. After being contacted by NewRez, LLC, dab, Shellpoint Mortgage Servicing, about NOT having homeowners insurance, I provided our XXXX policy information, via fax to a number that was provided ( sorry, it was faxed something that came on the letter that I think was XXXX  something ) and email documents to XXXX. I have called NUMEROUS times and my agent has sent over documents, as well. To this date, the escrow account still shows on our account, at an exorbitant amount for the homeowner insurance provided by the mortgage company! I was told by a rep at rushdocs to call in and make my payments via the phone for just our principal and interest, because I would not be able to manage my payments online. Today, when I called in to make my payment, the customer representative informed me that I would be charged a late fee for any amount that did not meet the payment amount that included the escrow for the insurance. I AM FURIOUS. This is the longest run around I have ever been given by any company. My husband and I have stellar credit and I do not need it ruined by the incompetency of XXXX XXXX XXXX add our insurance to our account and remove the escrow, and any late charges that are forthcoming. 

After reading many of the comments on social media, we are not the only family to experience this debacle with escrow accounts, insurance, and erroneous reporting on accounts. NewRez/Shellpoint need to be held accountable as my situation has dragged on, and worsened, since XXXX! We are now nearing the SEVEN MONTHS of trying to get this situation resolved. 

XXXX
Consumer complaint received 2024-10-26
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. (FL)

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. 
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 2024-10-09
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. (FL)

I'm asking for your assistance in dealing with the incorrect account thats showing up on my credit report. This issue has harmed my reputation, and I urgently need your help to correct it. The inaccurate reporting has caused me significant personal and professional damage. Please remove these false details from my credit record.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS