davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (IL)

Issue : PHH Mortgage is delinquent in paying out my property taxes for the second time in XXXX. 

On XX/XX/2021 I was notified by a neighbor that " I '' had paid her property taxes which were due for everyone on XX/XX/2021. I checked online at cXXXX and did see that my taxes had NOT been paid. 

Online at the dashboard for PHH Mortgage, it shows my escrow money disbursed. ( In an amount that does not match what was due ) Same day, XX/XX/XXXX, I contacted PHH customer service and got to an escalation manager. Basically now my neighbor can not pay her taxes because PHH has done so in error and mine are delinquent yet again.

I last spoke to the escalation manager when the matter was already 23 days old. He said that they were still working with their 3rd party XXXX XXXX to get the issue resolved. Since that discussion, now they call me, let it ring 1/2 time and hang up. This morning, I called Manager myself only to get a message his voice mailbox was full. 

**My new refi mortgage was handed over to PHH by XXXX XXXX beginning of XXXX  for servicing. Taxes were due then on XX/XX/XXXX. They were more than 4 months delinquent before they were finally paid. I absolutely do not understand why XXXX XXXX continues to hand over mortgages to this servicer, PHH Mortgage. Their business processes are not solid and issues are not resolved in any kind of reasonable time frame. Customer service is professional and then hides instead of reporting a lack of progress. 

I am most concerned that this company continues to be given business by a government entity and secondly to get my ridiculous issue resolved. 

Regards
Consumer complaint received 2021-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. ()

Before the state of Michigan was closed due to the pandemic caused by COVID-19, every financial obligation I had was paid on time as my credit records reflect. However, during the pandemic, no one was working and afterwards because of health complications ( XXXX, XXXX, XXXX XXXX ), my physician ordered me to refrain from working due to concerns about contagion as I am XXXX and my profession is XXXX. 

I paid all debts as expected during the pandemic except unsecured credit cards. I sent letters to all creditors in this group explaining my situation and requesting forbearance or settlement of the debt at a lower amount. I settled 4 debts. Two refused a settlement and sent my record to collections.

My current issue that is unresolved : Despite paying my debt obligations on time every month-religiously, my credit scores continue to fluctuate. One day the amount is XXXX, the next day, it drops to XXXX or something like this every day. I am monitoring it because I will be moving and will need an accurate credit score reflecting my history of paying debts. 

I have tried credit repair bureaus and have sent numerous documents to all three credit reporting bureaus that included-in the case of XXXX  XXXX credit card-proof that we settled the account, but somehow incorrect or punitive information is reported about me and threatens my ability to lease or purchase a home.
Consumer complaint received 2023-01-23
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. (CA)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not have the account number for the last two accounts, 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 my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : the 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 relative 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 2024-01-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COLLECTIONS USA, INC. (AZ)

XX/XX/2024, as a federally protected consumer XXXX seeking proof of the alleged debt, under the doctrine of estoppel by silence, XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I XXXX presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Thus, absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 
. 
I am disputing the information directly with you, the furnisher of information, and I am requesting an investigation in the FCRA Section 623. The FCRA regulates how the credit bureaus handle your report under section 611 for accuracy { 15 U.S.C. section 1681-2. Any attempt to collect this debt without validation violates the FCDPA. ( FAIR Debt Collection Practices Act ).

806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts * Please note that proper documentation is NOT a printout or bill from you but rather actual proof of the alleged debts existence ( original alleged contract bearing my signature ). Expeditious weekly updates are scheduled to be sent to the CRA electronically. Lastly, please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.
Consumer complaint received 2024-01-07
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (NY)

This bill was paid and shut off before we moved I had a XXXX balance when closed I dont believe its fair to me to have to fight to remove this off my credit as I do not owe them money I would like to ask for removal from my credit thank you in advance
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

The glaring absence of tangible evidence validating its accuracy, along with the dissemination of unsubstantiated information, represents a clear breach of the legal framework delineated in 15 USC 1681i ( 7 ). This regulatory violation is not only disheartening but also frustrating, given the imperative for compliance. Thus, I strongly advocate for the expedited removal of this account in accordance with the law, unless sufficient evidence is promptly provided to validate its legitimacy. Failure to address this issue promptly only exacerbates the frustration stemming from the disregard for legal standards.
Consumer complaint received 2023-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (LA)

Recently, I received a copy of my credit report from EXPERIAN The credit report showed a credit inquiry that I did not authorize. I understand that you shouldnt be allowed to put an inquiry on my file unless I have authorized it. 
Please remove these inquires from my report within 30-day time allowed investigation period as pursuant to 15 U. S. C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquires in connection with a credit or insurance transaction that is not initiated by a consumer.
Consumer complaint received 2019-12-17
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. (TX)

Since XXXX 2019 I have contacted the collection agency XXXX XXXX XXXX and all three credit bureaus ( Experian, XXXX, and XXXX  ) disputing the unknown account and asking them to provide documents to support their claim of me owing them debt such as identifying documents, a legal contract bearing my signature, calculation of the debt, how it was calculate, and who furnished the information. For over six months all I get are " form '' letters no real facts when they should have provided these documents within 30 days according to FCRA law. They have continued to break the law while my quality of life suffers. This is my last attempt to resolve this issue without legal assistance. The account in question is XXXX XXXX Services ... Amount {$2200.00} for an authorized/unknown account.
Consumer complaint received 2023-01-16
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: EQUIFAX, INC. (NJ)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2019-12-24
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- OPEN ACCOUNT -- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account.
Consumer complaint received 2022-11-12
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: EQUIFAX, INC. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX {$2600.00} XXXX XXXX {$3900.00}
Consumer complaint received 2019-12-24
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. (PA)

Ive contacted this company and the credit bureau regarding this account which doesnt belong to me and I asked for verification and they were unable to provide it so they deleted it, I received notification that it was deleted but its still on my credit file
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

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 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX  has failed numerous times to correct and update the CURRENT STATUS OF THESE PAID AND CLOSED ACCOUNTS. They continued to balance accounts that were settled and paid. These accounts are still reporting a current status as either in collection or delinquent. The CURRENT STATUS should report as paid as agreed and closed. XXXX XXXX has inserted a debt that was already paid. These accounts are still reported each month as a current charge-off. This continues to severely affect my credit. THE AFFECTED ACCOUNTS ARE BELOW : XXXX XXXX XXXX Acct XXXX - XXXX XXXX XXXX XXXX- Acct XXXX XXXX XXXX XXXX XXXX- Acct # - XXXX XXXX XXXXAcct # - XXXX XXXX XXXX XXXX XXXX XXXX  Acct XXXX XXXX XXXX
Consumer complaint received 2019-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (CA)

i just wan na complain Wells Fargo bank bec. ever since someone hacked my card and i try to asked for a new one. until now i havent got it yet .and its been 2nd time that i use temporary card. i gave them the right information the exact address but until now i never recieve my actual debit card at all. Its bec im a poor credit person they can do that to me. This is not right ... and i cant even open a new account to otsher bank..
Consumer complaint received 2019-12-20
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently applied for a furnisher account long story short I was denied. I dont understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. Im unsure of how this happened. I need these items deleted from my credit report. XXXX, XXXX, XXXX, XXXX. 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.
Consumer complaint received 2021-11-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: American First Finance, Inc. (IL)

On XX/XX/XXXX, I received an emailed contract from the " debt collector '', American First Finance. Pursuant 15 USC 1692a, American First Finance is a " debt collector ''. The " debt collector '', American First Finance has also used false, deceptive, and misleading representation in connection with this debt. American First Finance is in violation of 15 USC 1692e ( 1 ). It is implied that American First Finance being a corporate business in the United States ( XXXX, Kansas ) since XXXX makes them affiliated with the United States. American First Finance is in violation of 15 USC 1692e ( 2 ) ( A ). Pursuant to 18 USC 8, the term obligation or other security of the United States includes all certificates of indebtedness, hence my contract. Pursuant 26 CFR 301.6323 ( h ) -1, the term security means any evidence of indebtedness issued by a corporation. Per federal law this alleged obligation of the consumer is in fact the obligation or other security of the United States. American First Finance is also in violation of 15 USC 1692e ( 11 ). They did not disclose in the initial communication that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose.
Consumer complaint received 2019-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MD)

On XX/XX/2019, I accessed my electronic credit report through the free annual credit report/Eqifax database. Once I accessed my account, I discovered several inaccuracies of which I made an attempt to dispute. In the process of initiating my dispute ( s ), I was redirected to a different page within the Equifax database which ultimately denied me the ability to select the items I chose to dispute. In turn, I made multiple attempts to regain access, but was denied each time. Since the initial date of XX/XX/2019, I have made multiple attempts to gain access to the MyEquifax customer portal with my report file number to initiate a dispute, but was also denied access. I also made multiple attempts to have the issue resolved by calling Equifax, but even after proving my identity by providing all of the requested information, I'm still being denied access to my electronic credit file as of today ( XX/XX/2019 ).
Consumer complaint received 2022-11-12
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: EQUIFAX, INC. (SC)

In accordance with the Fair Credit Reporting Act XXXX accounts below have violated my rights : Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXXXXXX Account # : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX  Account # : XXXX Account Name : XXXX XXXX XXXXXXXX Account # : XXXX Account Name : XXXX XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX  Account # : XXXX Account Type : XXXX Account # : XXXX Account Type : XXXX Account # : XXXX 15 U.S.C. 1681 section 602 A. States I have the right to privacy 15U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-01-16
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. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-01-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

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 2022-10-03
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: Experian Information Solutions Inc. (DC)

Experian is not doing what is right to update my Personal information my last name is wrong needs to be removed See attachment Address is incorrect needs top be removed see attachment Accounts are old still in the report they need to be removed see attachment accounts are verified and removed by other credit bureaus still in Experian credit report witch is hurting my credit report. 

This is taking so long you do it a soon as 48 hours as possible. 

Please see attachments.
Consumer complaint received 2023-03-01
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

credit compaines are not providing info to provide that verification was verified nothing has been sent to me in written form. never explained how was update just believe it's violation to FCA laws