davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-27
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)

Hey EXPERIAN, XXXX, XXXX, I was looking over my report and I noticed these accounts listed below are not ensuring maximum possible accuracy according to the FCRA. Delete accounts listed below for violation of the fair credit reporting act. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX - ( Experian, XXXX, XXXX ) -This account is not showing maximum possible accuracy Reporting as a One Month Term but was opened XX/XX/XXXX then 8 month later reported the first month payment on XX/XX/XXXX then Starting XXXX to XXXX showed late payments then closed on XX/XX/XXXX its to many false information reporting according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately as seeing the account is paid and closed and for violation of 15 USC 1681e ( b ), 15 U.S. Code 1692c - Communication in connection with debt collection XXXX XXXX XXXXXXXX - ( XXXX, XXXX, Experian ) This account is not showing maximum possible accuracy its reporting a 30 day late payment in XXXX and XXXX is still the current month also said lender says they " We have completed the investigation into your dispute and confirmed that the accounts ) in question was closed and has not been reported to the credit bureaus. At this time, we consider the matter resolved and no further action is required by you. '' according to 15 USC 1681e ( b ), its not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ) ,15 U.S. Code 1692c - Communication in connection with debt collection XXXX XXXX XXXX XXXXXXXX - ( XXXX XXXX This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ) ( XXXX ) ALSO THESE INQUIRIES ARE NOT ACCURATE AND WAS NOT AUTHORIZED AND NEED TO BE REMOVED FROM ALL APPLICABLE BUREAUS : NAME : Inquiry Date : BUREAU : XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX Experian XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian EXPERIAN XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX, XXXX Experian XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian, XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXX/XX/XXXX Experian 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 XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/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 Thank you for your time and attention! 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NC)

The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.
Consumer complaint received 2017-03-24
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

I have a auto loan with Toyota Financial services. The loan is in my name exclusively. My soon to be ex wife called them up and removed my phone number as the contact and went paperless. For whatever reason customer service allowed this. I stopped getting notices so I figured the bill was being paid. Unfortunately this is the 2nd time they allow her to do this even after I made it explicitly clear she was not to make changes to the account. 
I am know being reported for XXXX 30 day latest. This is effecting me and my job. I am a XXXX and I worked hard at keeping my credit clean. My understanding is that no one not a wife or parent can call in or a loan and change contact information. 

I said to then I could bring it current if they were willing to fix my account information and remove the lates. I of course brought it current any how. But I am afraid my information is not safe at this company since anyone can call in with my Social and change or receive stuff.. 

To this day they still have her email address on file and have n't updated it back to mine.
Consumer complaint received 2024-10-28
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX__________________________________ I AM, The Victim Of Identity Theft / Fraud ; ; As,, All Proof Of Documents Enclosed. As, I AM Responsible For, Any And All, Documents Submitted To Local, State, And Federal Law Enforcement Agencies ; As, The Following Documentation Is Included : FTC ; Police Report ; Proof Of Law Enforcement Emails ; And, Identification. According To 15 US Code 1681, inaccurate data and information must be removed and deleted immediately ; and, in accordance of US Code 1681 1602p " UNAUTHORIZED USE OF CREDIT CARDS " ; as, I DID NOT provide any lawful nor legal consent to establish the enclosed accounts. Therefore, according to Federal Consumer Law, the enclosed accounts must be deleted immediately.

This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of inaccurate and invalidated information, 15 U.S. 1666b ( a ) creditor may not treat any payment late for any purpose, 15 U.S. Code1681 a ( 2 ) consumer report does not include reporting information solely as to transaction or experience, 15 U.S. Code 1602p the term " unauthorized use, '' as used in section 1643 of this title, means a use of a credit card by a person other than the card holder who does not have the actual, implied, or or apparent authority for such and from which the cardholder receives no benefit.
Consumer complaint received 2024-10-27
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. (DE)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Request for Reinvestigation and Removal of Charge-Off Account # XXXX To Whom It May Concern, I am writing to dispute the accuracy of a charge-off listed on my credit report under the account # XXXX. I have received a 1099-C form for this account, indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) 6050P, a 1099-C form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a 1099-C form has been issued, the reporting of this charge-off is both inaccurate and misleading.

I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from my credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with written confirmation that this item has been corrected and removed. If you are unable to verify the accuracy of this information, it must be deleted from my credit report as required by law.

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-12-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (VA)

1 ) The mortgage servicer PHH Mortgage formerly Ocwen Loan Servicing, LLC had accepted and confirmed the submission for XXXX XXXX XXXX loan modification file on XX/XX/XXXX. 

2 ) PHH Mortgage formerly Ocwen Loan Servicing, LLC approved the trial modification on XX/XX/XXXX. Mr. XXXX made an completed all three trial payments dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Ocwen Loan Servicing, LLC, currently PHH Mortgage did not send the final modification agreement ; however, Mr. XXXX always continued to make his payment with fail.

3 ) PHH Mortgage, formerly Ocwen Loan Servicing, LLC realized in late XX/XX/XXXX that the final modification was not delivered to Mr. XXXX. PHH Mortgage allegedly then issued the final modification agreement in late XXXX and asked for Mr. XXXX to send back immediately. The modification agreement was not delivered within the time requested for document to be returned. Instead Mr. XXXX received agreement in mid to late XXXX. Upon receiving Mr. XXXX then called PHH Mortgage, and explained the situation. PHH Mortgage representative XXXX id # XXXX confirmed with MrXXXX XXXX that they would accept the final signed agreement because of the mix up and he would have no further problems. 

4 ) Mr. XXXX returned agreement as instructed and continued to make scheduled payment. However, PHH Mortgage cancelled the modification because, documents were not received per date on agreement ; and set a scheduled sale date. Although PHH Mortgage representative confirmed agreement would be accepted, as it was no fault of Mr. XXXX for the delayed return.

5 ) When Mr. XXXX contested PHH Mortgage actions his funds were returned, and PHH has continued to push the sale date of XX/XX/XXXX. 

6 ) The actions of PHH Mortgage are consistent with Dual Tracking. Dual tracking occurs when a mortgage servicer continues to foreclose on a borrower 's home while simultaneously considering the borrower 's application for a loan modification or other foreclosure avoidance option. In addition, PHH Mortgage violates the rule of RESPA AND ECOA, while failing to properly and timely provide Mr. XXXX with required documentation to complete modification, while discriminating against Mr. XXXX by not accepting said agreement. This practice violates federal law ( 12 C.F.R. 1024.41 ) which ; The Consumer Financial Protection Bureau, which was established by the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010, issued mortgage servicing rules that, after being codified into federal law, went into effect as of XX/XX/XXXX. Among other things, the rules restrict dual tracking.

7 ) As stated in the opening of this Notice of Error, Mr. XXXX complied with instructions provided by PHH Mortgage and continued to honor his payment commitment. However, a foreclosure sale date was scheduled, and final modification cancelled. As of XX/XX/XXXX, the sale date of XX/XX/XXXX remains on record.
Consumer complaint received 2024-10-02
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

A credit card shows on my credit report. I never been a user of this company ( capital one ) and my credit report shows an account with a past due and I been trying different capital one departments and no one seam to find that account and still showing as past due on my report. Need to remove that from my history due to I have never been a capital one card
Consumer complaint received 2016-11-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Manhattan Beach Venture, LLC (MD)

I received a number to call in regards to the student loan forgiveness bill XXXX passed. This contact is The Student Loan Relief Department ( TSLRD ), XXXX XXXX, XXXX. XXXX XXXX has told me that I would have my loans forgiven after tens years of minimum payments and for the first year I 'd be paying a XXXX dollar payment. When I spoke with XXXX XXXX XXXX ( my lender for student loans ) regarding a customer call back. XXXX stated that these kind of loan forgiveness companies are frauds charging money for free services and falsifying information on the loan forgiveness application. XXXX instructed me to call Consumer Finance to make a federal complaint in regards to this situation. The Student Loan Relief Department had me sign some documentations to process my loans for consolidation and charge me approximately XXXX XXXX dollars. The XXXX XXXX dollars was given to TSLRD by Manhattan Beach Ventures, LLC which is a bank that authorized the loan or credit for XXXX XXXX dollars. I do not wish to consolidate my loans nor do I wish to do any further business with TSLRD or Manhattan Beach Ventures, LLC. I spoke XXXX XXXX from TSLRD via phone and told her that I planned to file a complaint with Consumer Services, if we could not come to an agreement of to stop the process and cancel the credit for the XXXX XXXX dollars. She laughed and said that I would be paying the XXXX XXXX dollars back weather TSLRD processed to loans or not. I feel helpless, scammed and afraid of having my credit ruined. If my credit is ruined I could potentially lose my job with the Federal Government as a XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-04-21
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)

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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2017-03-03
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Radius Global Solutions LLC (NV)

I finished a car lease with no late payments. But they are charging me for a little dent as small as my nails for {$660.00}. It is unfair. I think the most they can charge me is say thank you for giving the car back almost new with a very little tiny dent. It 's very natural over two years of usage. I also suffered poor air conditioning for over two years and their service department kept denying the problem.
Consumer complaint received 2016-12-21
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: Mobiloans, LLC (NJ)

XXXX XXXX XXXX XXXX has repeatedly placed threatening phone calls to my cell phone and the phone of my XXXX father. These calls do not identify the agency as a debt collector, the message directly state " legal action is being taken against you, papers are being filed in a court of law, if you do not contact us ''. 

I returned a call on XXXX/XXXX/XXXX to see what company was calling leaving messages like this on my father 's phone ( he has XXXX trouble ). I spoke with a representative who had information on an old payday loan account ( over 8 years old ) that was verfied paid before I filed Chapter XXXX in XXXX. 

I asked the representative why they were calling me instead of the lawyer ( he stated I was being sued in XXXX I reside in XXXX ) and he began to become irate. 
I further advised him to contact directly and not my father, which turned into an argument. He stated it was ok, they will pursue. 

This practice of threatening consumers is unacceptable. The company stated they had an affidavit from my bank, but they had outdated contact information. The representative further claimed they sent court papers to an old address and email, but they had a current phone number.
Consumer complaint received 2017-02-06
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: Solidus Group LLC. (CA)

The company name they say is XXXX out of South Carolina They keep call on different phone numbers and threatening to sue for a depth that I took out which I never did and when I ask for the paper work they keep saying that will be provided by the court. and they are harassing my family by calling my kids, my wife even calling my wife at work and a XXXX and telling all of them that I will be sued in court if they do n't have me call them back I have check on XXXX and with the XXXX XXXX and I ca n't find any information on this company so I believe it to be a harassing scam. No legitimate company know to not call work or a federal government place and harass people
Consumer complaint received 2019-12-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (AL)

This debt was originally taken off of my credit report due to this being done without my consent. It has recently been placed back on my credit report by XXXX  after they had previously deleted it. Back in XX/XX/XXXX, I had signed the guarantor form for my son to get an apartment. I later revoked my decision with my son and the leasing office due to him not being able to pay his rent in advance or through the duration of the lease due to him not receiving his financial aid monies. My son later went back into the rent office and proceeded with signing the lease without my consent or my knowledge. The leasing office at that time did not call me to confirm with me or to see if I had changed my mind about allowing my son to proceed with signing the lease. I didn't find out about this until XX/XX/XXXX when the debt appeared on my credit report because my son never moved into the apartment. My son 's signature is the only signature on the lease because once again I revoked my decision to be the guarantor on the lease with my son and with the leasing office.
Consumer complaint received 2023-05-13
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: Experian Information Solutions Inc. (LA)

This is XXXX XXXX and I am submitting this CFPB complaint to dispute the accuracy of my credit report. After reviewing my report, I have identified an erroneous accounts that are negatively impacting my credit score. According to the Fair Credit Reporting Act ( FCRA ), it is the responsibility of credit reporting agencies to ensure that the information on credit reports is accurate and up-to-date. I am requesting that you investigate these accounts and make the necessary updates to ensure that my credit report is accurate. The following account is erroneous and should be updated and corrected from my credit report : XXXX XXXX Balance : {$0.00} - I am reaching out to request confirmation of the payment history and status of this account. Based on my own payment records, I believe that the information being reported is inaccurate. I have always made my payments on time and have not been late on this account. However, the records you have presented do not match up with my own. I respectfully request a comprehensive investigation into this account and ask that any necessary updates be made to ensure legal and lawful accuracy. Thank you for your attention to this matter.
Consumer complaint received 2023-03-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : {$6400.00} XXXX XXXX XXXX  XXXX XXXX Balance : - XXXX XXXXXXXX Balance : - XXXX  XXXX Balance : {$45.00} 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-11-27
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: Experian Information Solutions Inc. (NV)

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX DEPT of Ed/XXXX XXXX XXXXXXXX Dept of EdXXXX XXXX XXXXXXXX Dept of EdXXXX XXXX XXXXXXXX Dept of EdXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Dept of EdXXXX, # XXXX Dept of EdXXXX XXXX XXXX XXXX Dept of EdXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of Ed/XXXX XXXX XXXX Dept of EdXXXXXXXX, # XXXX Dept of EdXXXX XXXX # XXXX Dept of Ed/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