davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-14
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (GA)

In XXXX we bought a condo and used XXXX XXXX. In XXXX ( I believe ), PHH mortgage bought or otherwise took over servicing the loan. 

The condo is now for sale and has a contract. The Title search has revealed that PHH neglected to file the correct paperwork. This means we do not have clear title and can not sell the condo. This is beyond unacceptable. 

Further, I've been spending a great deal of time on the phone with their customer service team - including the so-called " Escalation Manager ''. These people refuse to help in any way shape or form. 

My contract is past due and at risk of falling through because PHH mortgage 's off-shore customer support team ( it's a stretch to call them " support '' ). 

I'm sure PHH would be willing to fix this problem if I ( or the Closing Officer ) could simply talk with the correct person. 

This is definitely a matter of gross negligence on the part of PHH. One would think that they would be more interested in fixing it.
Consumer complaint received 2022-12-30
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. (FL)

Account Name : XXXX XXXX Date Opened : XX/XX/2017 Amount : {$1000.00} Account Type : Charge Off This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.
Consumer complaint received 2024-04-09
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: AMERICAN EXPRESS COMPANY (SC)

I

have noticed several unauthorized inquires in my credit report that I want removed. According to the FCRA, these unverified and unauthorized items must be removed. I have contacted the credit bureaus and have filed disputes but have unsuccessfully been able to get these items removed. 

XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX  Inquired on XX/XX/XXXX and on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXXXXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX and on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX By mail only XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX ( XXXX ) XXXX XXXX  Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX Inquired on XXXX XXXX, XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-29
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. (NY)

XXXX A XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX In accordance with the Fair Credit Reporting act XXXX, the following accounts have violated my rights : 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 an account without my written instructions.
Consumer complaint received 2020-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX TransUnion LLC XXXX XXXX XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-30
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. (FL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2020-03-27
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. (MN)

XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX XXXX : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-02-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (TX)

I have recently been foreclosed on through Ocwen. This is adversely affecting my credit and I would like to have it removed from all my credit bureau reports. I have sold the home with a wrap around mortgage, I relocated and was paying rent at a new apartment. after some time the person I had that purchased my home then rented the home to another person without my knowledge. They both stopped paying the mortgage and this put me behind. I tried to contact my buyer and was unable to get in touch with him with no luck. after I was able to get in contact with my buyer he told me the tenant was not paying. I also found out that the buyer had not paid taxes as he was supposed to on the home and had taken out additional loans against the property to pay the taxes. I tried to work with the buyer and the new tenant to get them to purchase the home. after about 8 months and them not paying me any money I tried to have them removed from the home. the court would not allow this and I was stuck with a buyer that I could not remove and a tenant that would not leave the property. after some time Ocwen foreclosed on the property and it still took a couple of months for them to even remove the tenant who at this point was basically squatting in the home. I would like to request that the foreclosure be removed from my credit reports as this has caused a great deal of stress and issues for me.
Consumer complaint received 2020-03-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION (CT)

I continue to receive an inaccurate coupon for {$1700.00} that does not reflect the interest paid directly to TIAA Bank by my employer, as a relocation interest subsidy. In addition, they continue to include charges for house insurance which was paid-in-full directly to the escrow account on XX/XX/XXXX, they continue to charge for flood insurance which was paid-in-full directly to the escrow account on XX/XX/XXXX, and they continue to charge for the increase in property tax which was also paid-in-full directly to the escrow account on XX/XX/XXXX. 

All of the aforementioned payments have been verified at my financial institution as received and cashed by TIAA Bank Cash Management. 

I changed insurers and paid them directly in XX/XX/XXXX ; however, the bank disbursed funds to one on the cancelled policies, even after I notified them of the change. The cancelled policy holder sent the checks to me, and I in turn sent the funds back to the escrow account. The other insurer failed to charge me directly, despite being given my credit card information. Once discovered, I sent these funds back to the escrow account as well, as detailed above. I had to contact the XXXX XXXX XXXX  in order to find someone in TIAA Bank capable of identifying and resolving the issues. I thought that once these concerns were cleared, I would receive an accurate billing statement ; however, the statement is still inaccurate. 

As per communication that was only achieved after contacting the XXXX, the following is an accounting for the aforementioned loan and the manner in which TIAA Bank has been paid since XX/XX/XXXX, and will continue to be paid until this loan is refinanced by a financial institution capable of servicing my loan appropriately, or my employer 's annual interest subsidy is adjusted in XX/XX/XXXX, whichever comes first. 

The following are charges and payments by month : Principal and Interest {$1100.00} Taxes {$400.00} Subsidy - {$210.00} My Payment - {$1400.00} Due - {$96.00} Note : The tax calculation is based on the original tax amount of {$4800.00} divided by 12 months to arrive at a monthly amount due, since the {$680.00} increase was previously paid directly to the escrow account. 

TIAA Bank receives each payment on time. The additional {$96.00} they receive from my monthly payments should be applied directly to my principal balance, as requested. Instead, I continue to receive fraudulent delinquency notices. The escrow account is not a slush fund. When I spoke with TIAA Bank via the XXXX, I requested a reconciled balance from the bank. The P & I, Subsidy, and Tax amounts were provided by the bank, so I do not understand why they still can't get it right.
Consumer complaint received 2022-08-17
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Carvana Group, LLC (WA)

I purchased a car from carvana XX/XX/XXXX and was driving the vehicle with temporary rages until XX/XX/XXXX. I filed a complaint with the attorney general inquiring about my tags and the next thing I know is I get a call from XXXX with Carvana and she said they want to pick up the vehicle because there is an issue with the title, meaning they sold me a car without getting the title. They picked up the vehicle and said I can buy another car from them but have to apply for a new loan and the terms of the new loan will be offered, not the terms of the loan when I purchased a car initially, which was XXXX down. Due to their negligence I had to purchase another car and pay {$2900.00} down payment with XXXX. Carvana refunded me the payments I made on the vehicle, which was my money I paid on a car that had registration issues all along, I was sold a car in bad faith. I also had to pay insurance on the vehicle that had registration issues all along. Id like to request compensation for the down payment I had to pay on another car due to their negligence plus reimbursement for all of my insurance payments, which they neglected to reimburse me, a total of {$1300.00} in insurance payments for a car that they took back and never offered registration for. Total compensation is {$4200.00}.
Consumer complaint received 2020-03-14
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: EQUIFAX, INC. (CA)

please remove these unathorized/ fraudulent credit inquires XXXX XXXX-XXXX  XX/XX/XXXX XXXX, XXXX XXXX-XXXX   XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX   XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-03-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

please remove these unathorized/ fraudulent credit inquires XXXX XXXX-XXXX XX/XX/XXXX XXXX, XXXX XXXX-XXXX   XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX   XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX   XXXX  XX/XX/XXXX, XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-03-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (WA)

Enhanced Recovery Co, reported address XXXX XXXX XXXX XXXX FL XXXX, phone # XXXX reported a debt owed of {$2400.00} from XXXX XXXX. I attempted to contact the number provided and it is not in service. 

I have not had an XXXX account in over 7 years, and it was paid in full. I have never been contacted by XXXX or Enhanced Recovery Co regarding this debt. It suddenly appeared on my credit report in XX/XX/2020. 

I attempted to contact the company with a number I located on XXXX search on XX/XX/XXXX at XXXXPST. I was told that I had to provide my entire social security number in order to pull up my file. I am not comfortable providing my social to a company who I have no idea their interest or intent. The company does NOT list an account or reference number on the file in order to discuss the account without giving my personal data I contacted XXXX on XX/XX/XXXX at XXXX PST and they advised via my social security number that I do not have any associated debt with their organization.
Consumer complaint received 2021-03-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc. (PA)

On the XXXX of XXXX at XXXX XXXX I, XXXX XXXX, called Pro-Collect to discuss a debt owed to XXXX XXXX XXXX that was sold to a collection agency, I never lived at the Residence and attempted to cancel the lease numerous times to no avail I spoke with someone and they told me to email Mr. XXXX. On XX/XX/XXXX I sent an email to XXXX @ procollect to contact me. At XXXX XXXX  on XX/XX/XXXX, I spoke with his associate Ms. XXXX, I placed Ms. XXXX on speaker so that my sister, XXXX XXXX could also partake in the conversation. Ms. XXXX then stated that she only would speak with me if she was taken off speaker or she could not speak with me at all. Ms. XXXX also said that the conversation would be recorded. After taking Ms. XXXX off speaker she asked " How much could I pay on the account. I, XXXX XXXX, stated that I could pay 40 % of the amount owed. Ms. XXXX then said she would have to speak with Mr. XXXX to seek approval for that amount which would be {$5100.00} and that she would call me back. At XXXX XXXX, Ms. XXXX called me back and stated that XXXX XXXX accepted the offer. I, then asked Ms. XXXX for written documentation to confirm our verbal agreement. I also posed the question of when the debt would be taken off of XXXX XXXX and XXXX XXXX Credit report. Ms. XXXX said to send a certified check or money order via overnight express and to call her with a tracking number. Then Ms. XXXX would send a letter that would take 2-3 business days that the account was paid in full. On the XX/XX/XXXX, Notification to the three credit bureaus would be sent out. Ms. XXXX asked when would I send the check or money order and I replied saying Friday the XXXX. I then sent an email to Mr. XXXX at XXXX XXXX  on XX/XX/XXXX, asking for documentation to confirm the agreement. Mr. XXXX failed to answer the email I sent. On XX/XX/XXXX, I called and spoke with Ms. XXXX and verified who I was. I question her about getting the verbal agreement in writing, I also asked if the agreement was still valid and she stated that it was. Ms. XXXX explained she would not be able to send any documentation until payment was processed and tracking number was sent. I then called back in the afternoon and Ms. XXXX answered, I asked to speak to Ms. XXXX and Ms. XXXX stated that Ms. XXXX was away from her desk. I asked Ms. XXXX for Ms. XXXX XXXX email and she stated that the kind of information was not given out. Then the line was disconnected at XXXX XXXX. I called back at XXXX and Mr.XXXX  answered and asked for my account number. He also asked what was the amount I was paying. I than stated that I was paying the amount that was agreed upon when I spoke to Ms. XXXX. He then stated that I could make payments via debit card, credit card, XXXX, and XXXX XXXX. I then told him that I was told that payments through debit cards would not be accepted. He then stated that Ms. XXXX was coming and put me on hold
Consumer complaint received 2020-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (AL)

EQUIFAX HAS NOT UPDATED MY CREDIT REPORT SINCE XX/XX/2019. I HAVE NOTIFIED EQUIFAX ABOUT THIS PROBLEM, BUT EQUIFAX HAS IGNORED ME. 
THIS IS A SERIOUS PROBLEM FOR ME SINCE MY CREDIT UNION USES EQUIFAX EXCLUSIVELY.