davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX To whom it XXXX concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX Please update my name to : XXXX XXXX XXXX My only and correct date of birth is : XXXX XXXX I do not wish to have any telephone numbers on my report. 

Please remove all other addresses off my report, as they are not deliverable to me by the U.S Post office, and they are not reportable as per the FCRA, since they are inaccurate. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-01-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Onity Group Inc. (GA)

We purchased a mobile home in XXXX and financed it through Ocwen. Well, in XXXX, the mobile home burned ; we were having a lot of financial difficulties at the time and, therefore, only had a lender place insurance through Ocwen on the property. Well, the County in XXXX, GA, was telling us to clean up the property, or we would be fined $ XXXX, which we couldn't afford. We called the Ocwen insurance rep and tried to get them to come take a look for several weeks, which the insurance rep kept putting off. We finally called and told them we had to do something now, and the County wasn't having it. The insurance rep told us to go ahead and do what was necessary, and he would file the information on his end to let the company know ( insurance company ) and it would all be fine. Well, it wasn't fine ; the insurance company supposedly ( according to Ocwen ) refused to pay because they didn't get to look at the trailer. Then, before we even found out about the insurance denial, Ocwen sold our mortgage to another company, which has now done so, I think, 2 more times. Then we find out that Ocwen and the other companies that they sold our mortgage to are all within the same organization. Same building, same workers, etc. We were getting the runaround and shafted as they still want us to pay on a loan that we firmly believe has been paid off. They won't provide us with any documents to show that we ever gave permission for our mortgage to be sold. Also, we have since moved a house onto the property that is included in with the mortgage but the house we paid cash for and are remodeling the home. They are trying to claim that they will forclose on our home that we paid cash for since we moved in to that property and they claim legally they can. No one will go up against this company in GA because of the money they bring to GA but, GA government is as XXXX and XXXX as they come. It's like mob or something. Our Loan number is XXXX with XXXX PHH Mortgage. They are illegally stealing our money. We need help!!!! My phone number is XXXX and please leave a message.
Consumer complaint received 2023-09-12
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. (NC)

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.

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 2023-11-17
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Capio Partners, LLC (MO)

Capio Partners LLC ( XXXX, XXXX ) https : //capiopartners.com/ is making harassing and intimidating calls day and night. 
I have no idea what they want from me.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX DOB : XX/XX/XXXX Equifax Information Services , LLC XXXX XXXX XXXX XXXX , GA XXXX Dear Equifax I am disputing the account ( s ) stated in this document. Previously, I disputed this account information as being inaccurate, incomplete, and invalidated and you responded by stating you were able to verify or validate this debt. Tell me how is that possible when you have employees and an automated system judging my disputes within seconds? Its no way a real investigation was made. Under the laws of the FDCPA, I have contacted the collection agency myself, and they have failed to validate that this is indeed my debt. I have copies of my requests to the collection agency, asking them to validate the debt, as well as the receipts showing I sent them a letter by certified signature request. I was given no evidence of my obligation to pay this debt to these collection agencies. This debt is not mine. The Fair Credit Reporting act. requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. If you can not verify the item pursuant to FCRA. And you continue to report it on my credit. I will find it necessary to ( Sue you for actual damages and defamation of my character. According to FCRA regulations, I may sue you in any qualified state or federal court. 



including a small claims court in my area. This is my warning. I demand you to delete these items at once. 




XXXX XXXX XXXX : Account number : XXXX, -. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX XXXX XXXX : Account number : XXXX, -. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX : Account number : XXXX, -. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 

XXXX XXXXXXXX XXXX : Account number : XXXX, -. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX XXXXXXXX XXXX : Account number : XXXX, -. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 



Sincerely, XXXX XXXX
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, 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.

has violated my rights. Or a 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 2023-12-20
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. (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 : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (OR)

I didnt authorize any or these inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I've consistently made sure payments are made promptly on this account, never allowing them to become overdue. I'm uncertain as to why there are reports of late payment remarks on my accounts. In accordance with 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BMW Financial Services NA, LLC (TX)

Hello, This is in reference to an Auto Lease in year XX/XX/2017 with BMW Financial Services. 
The lease/loan was paid off in full and later updated on my credit history report that we missed a payment in XX/XX/2017. There were no missed payments during the life of the loan/lease. The late payment history showed up after the agreement expired and was paid in full. We tried contacting them 2 times by phone in XXXX, requesting the account holder furnish the data in order for us to verify and work to get the correct information to reflect on my credit report. BMW Financial Services never sent me any data showing the missed payment. When I called the following month, the person we spoke was unable to find/locate any data showing there was in fact a missed payment. I believe this information to be inaccurate and is negatively affecting my positive payment history. We are asking the account holder ( BMW Financial Services ) to remove and update the payment history to all 100 % paid on time. There is no reason to show a missed payment in XX/XX/2017. 
Warmest Regards, XXXX XXXX XXXX
Consumer complaint received 2023-12-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RGS Financial, Inc. (NV)

In an attempt to contact RGS I requested Copy of original contract, payment history, name and address of original creditor, proof of collections authorization, & purchase debt agreement. This information was not sent to me. This unverified debt does not belong to me if it cant be proven that it belongs to me.
Consumer complaint received 2023-10-10
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: FIRST MERCHANTS CORPORATION (IL)

I can account for my payments and I have the receipts showing my payments. When I went out of town that's when this bank came and took my truck. I then went and filed a bankruptcy and the stated they already sold m truck. There is something illegal going on.
Consumer complaint received 2023-08-29
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. (FL)

I am writing to inform you of the violation of my rights under 15 U.S. Code 1681c-2 and 15 U.S. Code 1681b, as well as my victimization of identity theft, as documented by an FTC report on file ( Reference Number : [ XXXX ). I kindly request your prompt attention to this matter and the immediate removal of the following fraudulent accounts from my credit report.
Consumer complaint received 2023-09-12
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. (CA)

I recently conducted an in-depth examination of my credit report, an experience that has had a profound impact on my mental well-being. During this review, I unearthed several discrepancies that are unverifiable, invalidated, inaccurate, and of questionable nature. It is concerning that these issues persist, and I believe that your agency has a responsibility to ensure the utmost accuracy in credit reporting, as mandated by the Fair Credit Reporting Act. 

In light of this situation, I wish to draw your attention to the relevant legal provisions, namely 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), which emphasize the requirement for credit reporting agencies to maintain the highest level of accuracy in their reporting. These accounts, as identified in my credit report, appear to be in clear violation of this mandate by not reporting information that is 100 % accurate. 

I must emphasize that the discrepancies in my credit report have had a detrimental impact on my financial standing and overall well-being. It is crucial that these issues are promptly addressed and rectified to restore the integrity and accuracy of my credit report. 

I kindly request that you conduct a thorough investigation into the aforementioned discrepancies and take appropriate action to ensure that my credit report is updated to reflect accurate and verified information in accordance with the law. 

Thank you for your attention to this matter, and I trust that your agency will take the necessary steps to address these issues promptly.
Consumer complaint received 2020-07-31
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Continental Services Group, Inc. d/b/a ConServe (MA)

Good Morning or Afternoon, Please see the attachment! - My name is XXXX, and for the last 6 months, I been trying to resolve a student loan collection of {$2400.00} with ConServe, a debt collection agency on behalf of XXXX XXXX. I finally got hold of someone like 90 days ago and resolved the account and paid off the entire balance. I was told by several representatives that once that payment clears, and I should give the company up to 30 days and they should be able to demand the credit bureaus to PERMANENTLY DELETE THE TRADELINE FROM MY CREDIT REPORT. I was actually shocked when I reviewed my credit report and found that it still reports as such. I do not believe it is accurate and would rather not have to spend more time than necessary for both of us to resolve this situation. I appreciate your help regarding this and look forward to keeping having the positive experience that I have had with you in the past. Also, there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand a immediate deletion of this account from my credit report. Also, look at the DATE OF LAST PAYMENT, the account status and payment status hasn't been even updated. Please deleted as promised
Consumer complaint received 2023-07-03
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. (GA)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

my. equifax.com - service provided an online copy of my credit report. Last statement in the SUMMARY SECTION says one account with negative information. No way to determine who or what. Called XXXX  XXXX they never acknowledge the problem, placed me on hold without notice, and never came back to the line .... 

I have a screen image that I will attach
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (NV)

I called in XXXX due to my credit score dropping XXXX points due to false reporting. I called Westlake Management and they refused to correct the issue. Once I filed the complaint they corrected it. The status was corrected for 30 days now they are back reporting late payments 5 and 6 months later and I have had a deferment since XXXX therefore should never have been reported late.
Consumer complaint received 2023-10-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (WA)

Hi, I made several payments to my nelnet student loan account during the covid pause. I was initially told that payments made during this period would advance my due date ( if I selected the box to do so, which I did ) once the covie pause ended. When I got my first statement after the pause ended, the date was not advanced. The first rep I spoke with insisted that the date should have been pushed out due to the extra payments and that they would submit a ticket and follow up with the new date. They never followed up so I called and was told that no, payments made during the pause didn't not advance the due date. I called to change my plan to the standard plan and was told that my monthly payment would be close to {$300.00} a month. The new payment I now owe shows {$200.00} with XXXX payments left of my loan in some places and XXXX in other places on their website. After waiting on hold for almost XXXX hours, I was told it was XXXX. My monthly payment amount XXXX would be less money than I owe on my loan, making this not make sense. Every time I contact nelnet I get a different answer. In my opinion this company is uneducated and I do not trust them to hold my loan if they can not give correct information.
Consumer complaint received 2023-10-11
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: DigniFi (IL)

I had a credit card with this company, and fell behind on payments. 
Since, this company has charged the card off but has continued to report the negative reports on my credit. 
I have since made the full balance, and I owe XXXX to this company. The company refuses to give me a pay off statement, updated balance of XXXX, they continuously report my account late / charged off every month which is not true. 
I have tried to dispute this item on reports and they are continuously saying it is not paid / satisfied.
Consumer complaint received 2023-05-05
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: Regional Management Corporation (TX)

You are in Direct Violation of The Fair Credit Reporting Act { Acoount Name & Number # }, has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 1666B A creditor may not treat a payment on a credit card account under an open- end plan as late for any purpose. 

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.