davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-02
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: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-03-22
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (OH)

My original loan was with OCWEN who transferred ownership of my loan to PHH on XX/XX/XXXX. My ex-wife was removed from my mortgage as of XX/XX/XXXX due to reorganizing the loan and her chapter XXXX discharge along with a quitclaim. The first year and four months PHH had control of the mortgage my ex-wife was still off of the loan, but around XXXX of XXXX they started putting her name back on everything. l contacted them several times about correcting it but they didn't. I n XXXX of XXXX I filed for a mortgage modification that was approved. I made the final trial payment in XX/XX/XXXX and am still making the regular payments for the modification. However, when they sent me the final modification documents they had my ex-wife 's name back on the mortgage. I did the same thing I did with the Modification application and crossed her name out and initialed it, signed and had it notarized. I sent the modification back to PHH along with the documentation from OCWEN ( OMBUDSMAN ) showing that her name was removed and why, along with a letter and all the details and asked them to forward it to their legal department. I also sent several emails explaining this and asking them to call me or set up a phone appointment to go over it. I never got a call, but they did send me another blank copy of the modification because the first was altered. The new one still has her name on it and I would be committing fraud by signing it. I have tried my best to get this corrected on my own and do not want to file a law suit, I just want the documents fixed. I can provide you with all of the documents upon request, including almost a year and a half of correspondence with PHH, bills etc. showing only my name on all documents until XXXX of last year. I don't know why they changed it, and they won't address it, but when they bought my mortgage from OCWEN they bought all of the details with it.
Consumer complaint received 2024-11-15
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. (CA)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

Consumer Name : XXXX XXXX Consumer DOB : XX/XX/year> Consumer SSN : XXXX XXXX  Acct # XXXX XXXX  committed fraud with regards to a predatory auto loan for which XXXX XXXX that it voluntary abandoned our interest in the Vehicle but failed to notify consumer of this action which essentially breached the original contract. Vehicle was purchased with the understanding that XXXX owned a clear title for the vehicle but once XXXX voluntary to abandon interest which would include financial interest, contract was null and void. Clearly XXXX was notified in time to repossess the vehicle but voluntarily decided not to proceed. XXXX instead failed to notify consumer and fraudulently accepted payments from consumer for a vehicle that XXXX no longer owned the title for and thus voluntarily gave up financial interest in the vehicle. 

This action is beyond fraudulent and predatory loan territory but intentionally guided to cause financial harm to the consumer and violation of consumers right under FCRA and FDCPA laws. 

XXXX determined that the value of the vehicle was not worth pursuing with regards to mechanics lien but yet wants to fraudulently hold consumer to loan value of the vehicle in violation of consumer rights under FCRA and FDCPA. 
These fraudulent acts committed by XXXX and violations of FCRA and FDCPA laws constitute immediate deletion of this account ( acct # XXXX ) from consumer credit report file and cease and desist of all actions with regards to this account. Moreover, any reporting agency must cease and desist reporting fraudulent account information in violation of consumer rights under FCRA and FDCPA or be held financially liable for all damages. 

Finally, XXXX has been suppressing this exculpatory evidence for years in an effort to cause further harm to the consumer, thus consumer demand this account be deleted within in XXXX calendar days of receipt of this CFPB complaint ( NO EXTENSION ).
Consumer complaint received 2024-11-15
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. (IL)

I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (DC)

I recently received a copy of my credit report and I noticed some late payments posted on my credit report ; Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES ; A In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other; ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly state : ( 2 ) EXCLUSIONS - Except as provided in paragraph ( 3 ), the term " consumer report '' does not include - ( A ) Subject to section 1681-3 of this title, any - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Consumer complaint received 2021-03-22
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. (TX)

IV'E FILED A COMPLAINT WITH THE FTC # XXXX AGAINST EQUIFAX FOR VIOLATING SECTION 609-811 OF THE FCRA FOR FRAUD AND REPORTING ERRONIOUS INFORMATION ON MY CREDIT REPORT AFTER SEVERAL ATTEMPTS TO GET THEM TO DELETE ITEMES LISTED BELOW : ACCOUNTS- ATTORNEY GENERAL, XXXX, XXXX XXXX XXXX , XXXX XXXX AND XXXX XXXX. 

IF THE STATED ACCOUNTS ARE NOT DELETED IMMEDIATELY I AND PREPARING TO LITIGATE.
Consumer complaint received 2024-11-15
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. (ND)

I sent a certified letter addressing ; NO parking debt XXXX, cease and desist, refuse to pay.I requested a purchase agreement, XXXX permission to release my personal medical information with my signature as validation .A copy of any and all financial records of bills and charges.I want this fraudulent collection REMOVED immediately off my consumer report.They have illegally reported a false collection .Re- aged the date, and status.The original Creditor is XXXX XXXX XXXX ( Parent ) My child is XXXX years old.theirs no way this debt is valid.
Consumer complaint received 2024-11-15
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. (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. 

Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX  XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX  XXXX Account XXXX : XXXX and 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 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

The following addresses are a result from fraud and identity theft. the following addresses and variations are NON MAILABLE ADDRESSES and inaccurate information. 

ADDRESSES XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX the correct address is : XXXX XXXX XXXX XXXX, XXXX DUE TO THE INACCURACIES, THE CREDIT REPORTING AGENCIES ARE FAILING TO REPORT MY AXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-22
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. (MS)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX  XXXX/XXXX  XXXX ... XXXX  XXXXthat listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/2024 under the account number ( XXXX ). This account have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2021-03-19
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. (GA)

I was trying to add a personal statement to my report when I was hung up on 3 times and lied to about the description of my statement. The accounts are unverifiable and I have requested disclosure from XXXX and Experian and the process of the reinvestigation procedure and they are still reporting the account has been verified even tho I contacted the creditors and they cant verify them. This was on XX/XX/2021. I have been sending letters since XXXX XXXX.
Consumer complaint received 2021-03-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (FL)

I started disputing this company since XXXX of 2020 and this alleged debt has been affecting my credit. The debt collector hasn't provided proof that alleged debt belongs to me. This is affecting my ability to get a new home. I don't know why I'm being treated like this.
Consumer complaint received 2021-03-19
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (CT)

On XX/XX/XXXX I submitted a complaint with reference number XXXX stating that the leasing company is not issuing me my property tax refund which was charged incorrectly and had to go through abatement process. 

On XX/XX/XXXX company responded that they are still awaiting refund from XXXX, CT tax collector office, the company will issue refund, as soon as they receive it. 

XXXX Tax collector office states that they had already issued the refund in XX/XX/XXXX and the leasing company has received the money. 

Denying a tax refund on leased vehicle, which has already been issued by tax collector office shows the willfulness of the company for not issuing tax refund.
Consumer complaint received 2021-03-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (CA)

I have been unable to speak directly to person at Caliber Home Loans. When I call they direct me to the website, which informs me that my mortgage number is not valid. My payment has been increased twice, yet they mailed me a refund check. They do not appear to know how to manage my account.
Consumer complaint received 2021-03-22
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: HYUNDAI CAPITAL AMERICA (NC)

I have previously filed a complaint with FTC # XXXX. ( Please include that detailed report in whatever communication you share with companies ) Never received a response and the condition has become worse. Revolves around Hyundai Motor Finance Leasing ; my calls them failed to correct. Has spread to credit reporting agencies ; initially XXXX, now others. 
Hyundai leased vehicles to me and another individual who share similar first and surname XXXX XXXX ... ... XXXX. ) and nearly identical SS #. Hyundai has comingled this info and has exposed the personal info of other individual on my account and credit reports. It appears as an " alias '' on credit reports.

The other individual contacted me ( likely got my phone # ) from his Hyundai account and advised that he was receiving Hyundai mail address to me. I was receiving invoices by mail and my online account contained his name. 
I finally gave up and returned my lease early hoping to correct this issue. Now his lease is listed on my credit reports along with a credit card where he is an additional signatory. 
What is wrong with these financial institutions and services? Covid is no excuse for incompetence. 
Attached is a copy of my HMF account page taken XXXX
Consumer complaint received 2021-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Called XXXX XXXX to correct the payment history as Ive been marked 90 days past due on my credit report. I asked them for relief due to Corona virus to defer one or more payments or to make a partial payment, they gave me ok for partial payment and then they reported me as delinquent 90 days. I had a severe illness and then COVID. I was struggling to make the minimum payment. I kept calling them continuously to address the issue. Their answer is making partial payment is not going to affect your credit rating. Then I got hit by 90 days past due. I got promised from Rep. to solve the issue but unfortunately, no improvement.!
Consumer complaint received 2021-03-20
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: EQUIFAX, INC. (IL)

XX/XX/2021 I received an alert that XXXX XXXX placed an account on my credit report. Original creditor XXXX XXXX XXXX. I have no account or balance with the orginal creditor. Nor have I heard from XXXX XXXX. I havent received a demand letter or anything. This is not my account. Its either a mistake or these charges are fraudulent. I want this removed from my credit report immediately. Ive tried to dispute online with Equifax today, but I keep getting an error message. This is such an inconvenience. Ive attached a fraud affidavit to this complaint
Consumer complaint received 2024-09-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRUIST FINANCIAL CORPORATION (CO)

Truist bought my loan as a transfer of service deal. My loan originated with escrow for taxes and insurance. Years later, Truist informed me that my escrow did not collect for insurance escrow, causing a significant shortage in my account. This is confusing, as the seller-provided Truist with a fully escrowed loan. Truist later canceled my insurance escrow without my permission or request, and then blamed me for the situation. 

Despite speaking to the insurance internal Truist escrow department and another truist representative listening in, it was confirmed that the original loan was indeed transferred with tax and insurance escrow. The repeated contradictions and blaming have left me perplexed and needing a clear resolution and Truist has taken ownership in the situation. 

I want to know when my insurance escrow was canceled, by whom, and why? 

Since the truist escrow insurance department confirmed that my escrow was collected. I'd like to know where that money is and why it was not applied to my account. 

All of these things mentioned have caused me harm. 

These events are violations of XXXX XXXX around the servicing transfers and escrow management practices. 

It is terrible to blame the seller of the serving rights. Also, tell me it's my fault when XXXX XXXX places all the burden on the buyer of the servicing to ensure accuracy. Why am I in this situation with you?
Consumer complaint received 2021-03-21
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. (NV)

Please reference Complaint # XXXX -- -- -- I have attached additional errors found on my credit file regarding ( XXXX XXXX XXXX XXXX - Account # XXXX XXXX ) as shown on the attached documents, the available credit is currently reported as $ XXXX when in all actuality it should have been reported as {$0.00} available. Going by this notion, this would indicate that the sum {$400.00} dollars is available ; however, this is incorrect since the charge off balance is currently reported as {$10000.00}. This is an unmistakable error that warrants a full account deletion, not to mention there are missing data for high credit, date of last activity, and the date of last payment which is reported as XX/XX/XXXX but as you can see by my credit report/credit summary that reports no data and referencing the document I've attached which was provided by EQUIFAX online. In addition to having missing data reported, the previous months of reporting are not entered correctly are are out of sequence, whereas, XXXX thru XX/XX/XXXX they are all reported as 60 days late which can not be possible. These and similar reporting errors by Equifax are a consistent issue which I have faced over many decades and still continues to violate the Fair Credit Reporting Act. I ask that the Consumer Financial Protection Bureau intervene having been given broad powers by the the United States Congress and other governing body to oversee the accuracy of information and fair trade pertaining to all American consumers. Having said that, I formally ask that this account be DELETED and removed from Equifax credit reporting database and any other credit repository which they may have or or potentially share data with. Thank you for your help concerning this matter. Regards