davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-27
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: PENTAGON FEDERAL CREDIT UNION (DC)

XXXX refuses to remove two accounts of my credit per the collection rights and statue of limitations that is forseen underneath my credit report. For one of the collections, XXXX XXXX the collection agency is past the limitations of the right to collect data and as of the LAW it states that information reported should be removed that is innacurate or violates the terms of conditions in which the right it has to collect such debt. The collection was sold off to another consumer in which was not the right of the consumer to continue to allow such credit reporting to hinder my credit as such, three years In South Carolina, the statute of limitations for most types of consumer and business debt is three years. Another item that is being reported on my credit is from Pentagon Federal Credit union this item is past the debt collectors rights to have this item reported on my credit and should be removed as such according to the statue of limitations and its law, The Virginia statute of limitations on debt is five years for written contracts and credit cards and three years for open accounts and oral contracts
Consumer complaint received 2024-05-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Onity Group Inc. (NJ)

PHH Mortgage # XXXX Services is our current Servicer. They aqcuired our mortgage on XX/XX/XXXX from Ocwen Financial Corporation mortgage account # XXXX, who was our prior mortgage Servicer. The following occurred : 1 ) We were unsuccessful in acquiring our Ocwen mortgage transaction history for Ocwen. After PHH Mortgage Services became our Servicer, we requested our Ocwen mortgage transaction history. 
2 ) on XX/XX/XXXX we sent email to PHH Mortgage Services requesting Ocwen mortgage transaction history. 
3 ) On XX/XX/XXXX, I received Ocwens ' mortgage transaction history document from PHH Mortgage Services. 
4 ) Following a detailed review of the Ocwen mortgage history document, we discoverd that there were possible serious mortgage regarding our mortgage, such as, Mis-applied payments, incorrect forbearance applications, where the Ocwen report showed that from the period XX/XX/XXXX to XX/XX/XXXX, Ocwen applied alll of our mortgage payments as forbearance payments, negative increases to our mortgage principal balance, etc.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2023-09-18
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)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 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
Consumer complaint received 2023-09-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CT)

I attempted to make a payment on my loans. 6 days later, I received a notification that my payment was not processed, with no further information. Since my payment failed, I collected interest on the loans that I was attempting to pay off. Therefore, I lost money despite attempting to pay it off. I called my bank and they said no attempt to retrieve the money was ever made. I called Nelnet and was put on hold before being disconnected. The servicer is clearly not adequately prepared to help borrowers
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Consumer Portfolio Services, Inc. (MO)

Consumer portfolio reported 2 months late on my credit report when nobody could tell me or the joint applicant why. We talked to consumers two days before they reported it and nobody ever said theyre was a left over balance of XXXX on the account. And if the co applicant was paying on a payment plan why was that not applied to that balance and a new left over balance mentioned? Co applicant was already on a payment plan ( which they cant find ) because their representative XXXX didnt push through the documents to his supervisor ( which is also on recording ). When I called to asked about why all the times me and the co owner called no one mentioned this. I also asked if they had the monitored and recorded calls to prove if any representative ever mentioned anything about a left over balance and XXXX XXXX said she couldnt access them or find them. As I was voicing my statements about how unfair it is that Im taking a hit for their mistakes, them not communicating effectively and their employees not taking accountability or doing their job, I asked to be transferred to her supervisor XXXX XXXX. Spitefully I feel shes reporting inaccurate information on my credit report and every time Im transferred to the credit department they only send me to her extension purposely. You can tell she has involvement because in the photos you can see XXXX reported one month now its reported XXXX  months now. Thats wrong. In the attached documents you will see the payment history, whats being reported on my credit and a statement with a balance that does not match. The Co owner just paid again before his due date and doesnt owe until XXXX. Nobody is trying to admit or correct their mess up and thats unfair to me because my credit has decreased XXXX points because of it and a derogatory mark has been added to make matters worse. All the times Ive called Ive kept it very professional and courteous but this has gone too far and is stressful. I have a recording of the call.
Consumer complaint received 2024-05-17
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. (SC)

Someone went onto a credit builder site by credit karma and created an account and added accounts that do not belong to me onto my credit report, the credit reporting agency will not allow me to file a dispute online of which is the purpose of my online account. Please delete the following from my credit report Bankruptcy chapter from XXXX, equifax and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX account
Consumer complaint received 2023-11-07
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. (FL)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-17
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)

Multiple disputes have been sent regarding fraudulent accounts on my credit. All disputes were not handles and fraudulent accounts were not removed from my credit. Disputes on cfpb were submitted on XX/XX/. These fraudulent accounts have ruined my credit for years and I have sent out many disputes. Its very sad to know that people can ruin your credit and life, I wish this would not happen to people at all. It really hurts. 

XXXX In accordance with the Fair Credit Reporting act 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 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 Equifax- XXXX accordance with the Fair Credit Reporting act 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 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 Experian- In accordance with the Fair Credit Reporting act Convergent 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  15 U.S.C 1681 section 602 A States I have the right to privacy. 15 U.S.C.1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-09-17
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. (NY)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under as open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2023-11-07
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: ENCORE CAPITAL GROUP INC. (FL)

a XXXX XXXX was opened XXXX XX/XX/XXXX & charges were made in the amount of {$9700.00}. The account was charged off XXXX XX/XX/XXXX. After ignoring numerous letters demanding payment, I wrote the collectors to say I believed their efforts were a scam & to send me proof of indebtedness. They sent documents showing the debt was for a credit card that I never had & a court order that was sent to my parents ' address. Their letter was dated XXXX XX/XX/XXXX but it got it in the mail in XX/XX/XXXX. I got married & got an apartment in XXXX ( XXXX XXXX XXXX XXXXXXXX ) and have never lived at that address since. I enlisted in the XXXX XXXX in XX/XX/XXXXXXXX XXXX XXXX XXXX years later ( XXXX proof ). I have made a police report.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX, XXXX BANK, AND TRANSUNION ARE IN VIOLATION OF MY RIGHTS BY REPORTING INCORRECT AND INACCURATE INFORMATION. NOTE THE DISCREPANCIES IN THE TWO ATTACHMENTS. I WAS ALERTED TODAY BY MY MONITORING SERVICE THAT THE BALANCE ON A LONG CLOSED COLLECTION ACCOUNT INCREASED. XXXX HAS NOT PROVEN TO ME THEY HAVE A RIGHT TO COLLECT, THEY ARE NOT REPORTING AS A COLLECTION BUT AS " OTHER '', AND THEY INCREASED THE BALANCE ON A COLLECTION ACCOUNT WHICH IS NOT LEGAL. HOW CAN XXXX CHARGE ME INTEREST? I HAVE NO CONTRACT OR AGREEMENT WITH THEM.
Consumer complaint received 2023-09-17
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: ENCORE CAPITAL GROUP INC. (IL)

Lack of Knowledge : I have no knowledge of these accounts, and I have never entered into any financial agreements or transactions with the aforementioned creditors. The information provided is unfamiliar to me. 
Incorrect Reporting : The account balances mentioned are inaccurate. I have never received statements or correspondence related to these accounts, and I believe that this information has been reported in error. 
Request for Verification : I kindly request that you provide validation of these accounts, including any supporting documentation such as account statements, contracts, or records of transactions. I would like to verify the legitimacy of these claims. 
I understand that it is essential to maintain accurate credit reports, and the inaccuracies listed above are negatively impacting my creditworthiness. I am dedicated to resolving this matter promptly and ask for your assistance in investigating and rectifying these discrepancies. 

I request that you promptly initiate an investigation into these disputed items in accordance with the Fair Credit Reporting Act ( FCRA ) and provide me with a written response detailing the results of the investigation. If it is determined that these items are indeed inaccurate or can not be verified, I request their removal from my credit report. 

Please acknowledge receipt of this dispute letter and provide a reference number for my records. You may contact me at [ Your Phone Number ] or via email at [ Your Email Address ] to discuss any further information or documentation required to resolve this matter. 

Thank you for your prompt attention to this dispute. I look forward to a swift resolution of this issue.
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NV)

I am writing this letter for the simple reasons that you are reporting erroneous fraudulent items on my credit history without my consent and incorrectly. I have already made an identity fraud report with the XXXX police and XXXX I want and hope they remove the fraudulent items below. 
Account name : XXXX Account number:XXXX Account name : XXXX XXXX XXXX XXXX Account number:XXXX Account name : XXXX XXXX XXXX XXXX Account number:XXXX Investigate and remove from my report. It is my understanding that you will recheck these items with the creditor who has posed them. 
Please removo any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. By thine provisions of the Fair Credit Reporting Act, I demand that these items be.
Consumer complaint received 2024-05-17
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)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.
Consumer complaint received 2024-05-18
Product: Credit card — General-purpose credit card or charge card
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 am confident that I always pay on time. What I don't understand is why this company is marking me as late for some months. Under USC 1666b, any billing errors must be corrected, or they will owe me {$1000.00} per account for inaccurate reporting.
Consumer complaint received 2023-09-17
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. (SC)

COMPANY EXPERIAN IS STILL BREAKING THE LEGAL, REAL, CONSUMER LAW WHEN IT PERTAINS TO MY CREDIT REPORT. EXPERIAN IS BUILT OFF OF SLAVERY AND THIS COMPANY WILL NOT REMOVE FRAUDULENT INFORMATION OFF OF MY CREDIT REPORT EVEN THOUGH EXPERIAN HAS ALL PROPER DOCUMENTATION SUCH AS FTC REPORT, ORDER TO CEASE AND DESIST WHICH EXPERIAN HAS DISREGARDED AND VIOLATED SEVERAL TIMES WHICH IS NOW SUBJECT TO LEGAL ACTION IN COURT, PROOF OF ADDRESS AND PROOF OF IDENTIFICATION. EXPERIAN CONTINUES TO BREAK THE LAW AND NOW AND HAS STILL BEEN VIOLATING ME AND MY RIGHTS AS A CONSUMER. COMPANY XXXX XXXX IS IN VIOLATION OF : XXXX. AGGRAVATED IDENTITY THEFT - 18 USC 1028 A. 2. 15 US Code 1681a ( 2 ) ( B ) - CHARGE OFF, XXXX, FORECLOSURE 3.15 US Code 1681 c 2- BLOCK OF INFORMATION RESULTING IDENTITY THEFT 4. 15 US Code 1681e ( b ) - MAXIMUM ACCURACY 5. 15 US Code 1681 a 2 - DEFINITION, RULES OF CONSTRUCTION 6. 15 US Code 1692 C - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION 7. 15 US Code 1692 G - VIOLATION OF REPORTING A COLLECTION 8.15 US Code 1601- CONGRESSIONAL FINDINGS AND DECLARATION OF PURPOSE 9.15 US Code 1681 a ( 2 ) ( A ) ( i ) - LATE PAYMENTS 10. 15 US Code 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE 11. 42 USC 408 ( ILLEGAL AND FRAUD TO ASK FOR SOCIAL SECURITY NUMBER ) 12. SECTION 604 15 US Code 1681B - PERMISSIBLE PURPOSE ( FULL DETAIL ) 13. SECTION 605 A 15 US Code 1681 C-1 - IDENTITY THEFT PREVENTION ; FRAUD ALERTS AND ACTIVE DUTY ALERT 14.SECTION 506 B 15 US Code 1681 C-2 - BLOCK OF INFORMATION RESULTING FROM IDENTITY THEFT AGAIN EXPERIAN WAS PROVIDED A FULL FTC REPORT OF ALL ACCOUNTS WHICH ARE XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX AND EXPERIAN XXXX NOT REMOVE THESE FRAUDULENT ACCOUNTS EVEN THOUGH THEY ARE BREAKING THE LAW AND THEY HAVE PROOF TO REMOVE. ALL VIOLATIONS THAT HAVE BEEN COMMITTED AGAINST ME, I WILL NOW BE REQUESTING {$2000.00} PER VIOLATION, PAIN AND SUFFERING, AND THE PAY OF COURT COST. THE TOTAL OF COMPENSATION IS {$50000.00}. COURT WILL BE AT A LOCAL VENUE NEAR ME. I HAVE BEEN DISPUTING THE FRAUDULENT ACCOUNTS THAT ARE ON MY CREDIT REPORT FOR YEARS. THIS SAME INFORMATION, OTHER BUREAUS HAVE REMOVED FRAUDULENT ACCOUNTS AND I DON'T UNDERSTAND WHY EXPERIAN WILL NOT REMOVE THIS INFORMATION. EXPERIAN CONTINUES TO BREAK THE LAW AND IS AWARE OF BREAKING THE LAW. REMOVE ALL HARMFUL, UNLAWFUL, DECEPTIVE, ILLEGAL, FRAUDULENT INFORMATION FROM MY CREDIT REPORT! EXPERIAN YOU ARE BREAKING THE LAW CONTINUOUSLY. BBB HAS BEEN NOTIFIED. 

ATTACHMENTS DL.pdf ( XXXX MB ) identity theft report XXXX ( XXXX KB ) cease and desist ( XXXX ) .pdf ( XXXX KB ) identity theft report XXXX ( XXXX KB ) View full complaint
Consumer complaint received 2023-10-30
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. (NJ)

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 : Account Name XXXX XXXX  XXXX # XXXX XXXX Account Name : XXXX XXXX XXXX has no late payments/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 an account without written instructions. 15 U.S.C 1681e. ( aX5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following terms of information. Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S C. 16818-2 ( AX1 ) 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.