davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-17
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: EQUIFAX, INC. (NJ)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XX/XX/20XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2019-03-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PHH Mortgage Services Corporation (CA)

In XX/XX/XXXX, after my bankruptcy was discharged, I applied and was approved by XXXX for a loan modification in XX/XX/XXXX. 

The XXXXrial Period Plan required three payments of {$1800.00} on XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. 

XXXX also found that there was a lien on the property for unpaid HOA fees. XXXX verbally stated that I would be provided plenty of time to provide proof that the lien was inaccurate. In XX/XX/XXXX, I provided XXXX with a copy of the HOA ledger showing that my property had a {$490.00} credit. XXXX did not accept the HOA ledger provided by the management company and required that the lien be released. 

In XX/XX/XXXX, the first payment was automatically deducted and processed without any issues. Furthermore, during XXXX, XXXX notified me in writing that the company was consolidating with XXXX Mortgage XXXX and that all mortgages would be handled by XXXX effective XX/XX/XXXX. 

On XX/XX/XXXX, I sent to XXXX, by email as required by XXXX, a copy of the notice of lien release ( dated XX/XX/XXXX ). On the same day, I telephoned XXXX to ensure that they received the XX/XX/XXXX payment and my email with the Notice of Lien Release. 

XXXX confirmed receipt of both and advised me that the final payment would be paid to XXXX on XX/XX/XXXX ; but, the PHH would send the final Mortgage Agreement to permanently modified my mortgage. 

However, on XX/XX/XXXX, my final trial period payment was not processed. 

On XX/XX/XXXX, I contacted XXXX who stated that they no longer had my file and I must contact PHH. On the same day, I contacted PHH by phone and email. During my phone convesation with PHH, I owed almost {$15000.00} and the account did not show that I was in a trial payment period. Then the PHH representative stated that my account wasn't completed reviewed or process by PHH and I should provided them with at least 2 additional weeks. 

On XX/XX/XXXX, PHH stated that the final XX/XX/XXXX trial payment was not accepted by XXXX or PHH because on XX/XX/XXXX, XXXX denied the loan modification on the basis that the lien release was not recorded. The PHH representative suggested ( 1 ) apply for a loan modification ; or ( 2 ) request my file to be reviewed for errors so that PHH may determined if the lien release was recorded before or after the XX/XX/XXXX denial decision. 

In none of XXXX 's documentation, including the Trial Period Plan, was a deadline provided for the lien release. The only requirements were that ( 1 ) the title on the property is clear and ( 2 ) three payments made on XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. 

A complete chronology with all attachments, including but not limited to, emails, notices, trial payment period, was submitted to PHH my email on XX/XX/XXXX. PHH will also receive a hard copy of this chronology and notice of this complaint by mail no later than XX/XX/XXXX. 

Because of the size restrictions, the chronology without attachments will be uploaded to the CFPB. A limited number of attachments may be uploaded at a later date.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2023-07-01
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. (TX)

This company, XXXX XXXX is reporting a delinquent loan in the amount of {$5500.00} on my credit report inaccurately/fraudulently! I have spoken with this company numerous times regarding this and they advised that there was also insurance purchased with this loan that pays the monthly payments on this loan if a person loses their job or any other reasons it cant be paid. That also did not happen and was a lie! I then spoke with a lady at this company and she very rudely stated to me that since I dont have anything else to do throughout the day, that I can call them and send them certain documents that I did not have! This company has been very inappropriate and disrespectful to me! They are inaccurately reporting this to my credit report.
Consumer complaint received 2022-10-17
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. (SC)

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, SC XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$630.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$1900.00} ; XXXX XXXXXXXX XX/XX/2022.
Consumer complaint received 2023-08-14
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. (IL)

I previously file a complaint and disputed unauthorized fraudulent inquiries with Equifax. Equifax claimed they deleted the fraudulent inquiries but the fraudulent inquiries are still on my credit report. I have filled another affidavit with the FTC to remove the fraudulent inquiries. At this point, Equifax is purposely ignoring my documentation. I will sue Equifax for deceptive practices and willful noncompliance if the fraudulent inquiries are not deleted in 7 days by XX/XX/2023.
Consumer complaint received 2023-06-30
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX reporting inaccurate information including charge offs. According to FCRA 15 USC.1681s 2 ( A ) ( 1 ) ( A ) A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

IRS defines a charge-off as gross or ordinary income. Income does not get reported on a consumer report.

I was affected by the pandemic. Due to code, 15 US code 168s-2 Responsibilities of furnishers of information of information to consumer agencies : 2 ) Duty to correct and update information A person who ( A ) regularly and in the ordinary course of business furnishes information to XXXX or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate. 
( XXXX ) Duty to provide notice of dispute Based on these laws, XXXX XXXX is in violation of the law by reporting inaccurate information and late payments to bureaus. 
Transunion may be engaging in illegal debt practices. It has been the most difficult to remove inaccurate information from this bureau after several attempts, illegally adding and keeping information on the report that is inaccurate.
Consumer complaint received 2023-10-04
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: C/C Financial (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2020-09-25
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. (GA)

TransUnion and XXXX  are fraudulent on my accounts : XXXX/XXXX  XXXX  is fraudulent on my credit Account XXXX XXXX XXXX is fraudulent on my credit Account XXXX XXXX/XXXX is fraudulent on my credit Account XXXX XXXX XXXX XXXX is fraudulent on my credit Account XXXX XXXX XXXXXXXX is fraudulent on my credit Account XXXX is fraudulent on my credit Account XXXX XXXX is fraudulent on my credit Account XXXX is fraudulent on my credit Account XXXX   XXXX  XXXX is fraudulent on my credit Account XXXX XXXX  is fraudulent on my credit Account XXXX XXXX XXXX is fraudulent on my credit Account XXXX XXXX XXXX is fraudulent on my credit Account
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

I was scammed, by an individual, who also scammed, many more people! The XXXX XXXX XXXX, Attorney General 's office, is investigating! 
XXXX XXXX and Capital One, allowed me to exceed, my credit limit, of {$11000.00} and {$7000.00}, respectively. 
A checking account, was issued by XXXX XXXX, without, my name on a signature card! XXXX XXXX XXXX, allowed me, to take out {$15000.00}, no questions asked! 
I am being sued by XXXX XXXX! My local XXXX, didn't do anything about this, including the name, of the scammer! I have been let down, by law enforcement! I need some help!
Consumer complaint received 2019-06-26
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: World Omni Financial Corp. (WV)

In XX/XX/XXXX I received deployment notification orders that informed me I would be deploying on XXXX XX/XX/XXXX for one month followed by an eight month overseas contingency XXXX XXXX. As such, I made all final payments to South East Toyota Finance/ World Omni Financial and returned my vehicle according to the Soldier and Sailor Relief Act. However, I continued to be charged which resulted in a balance of {$510.00} as of XX/XX/XXXX and I disputed the amount owed. The company then updated the amount owed on XX/XX/XXXX to {$910.00}. I should not have continued to be charged after I deployed to begin with, let alone have another {$390.00} added to the account after I disputed it. I did everything appropriately and thus far the company has refused to cooperate.
Consumer complaint received 2019-03-20
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. (TX)

XXXX conducted a hard pull on my Equifax credit report without my permission or authorization. I contacted them a month ago through a page on their website demanding that they correct the error but the hard pull is still reflected on my account. I have never done business with XXXX, am not interested in their services, and do not want them accessing my credit report.
Consumer complaint received 2023-04-07
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. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-04-22
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. (CA)

5 fraud accounts are reporting under my equifax credit file, these accounts were opened with out my knowledge, i did not apply to these accounts, attached you will find these account names and the dates these were opened, i had been a victim of ID theft and these are the results for these accounts reporting under equifax, they have not been able to help and were not helpful at all, i have tried to disputed with all the bureaus XXXX and XXXX   were understanding, except equiafx, and they either dont dispute or try to get rid of me with their security questions. please help me, i have been in a very bad situation wit in the last three years and i have done my best to resolve these inaccuracies, if i had the financial situation i would have hired a lawyer to file these complaints but unfortunately i do not, i need you r help to go through this though time.
Consumer complaint received 2023-06-30
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. (TX)

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 # XXXX, XXXX XXXX ; Account # XXXX, XXXX  XXXX ; Account # XXXX, XXXX XXXX  ; Account # XXXX, XXXX XXXX System ; Account # XXXX, XXXX ; Account # XXXX, XXXX ; Account # XXXX  XXXX ; Account # 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. 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-01
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. (TX)

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 2019-04-22
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)

AFTER REVIEWING A COPY OF MY ANNUAL CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ITEMS THAT WAS PLACED ON MY REPORT. PLEASE RE-INVESTIGATE AND HAVE THOSE INACCURATE ITEMS OFF MY CREDIT FILE.
Consumer complaint received 2019-03-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation (MA)

PHH Mortgage Services recently acquired ( XXXX-XX/XX/2019 ) my mortgage from XXXX.

XXXX provided PHH Mortgage Services with a summary of my mortgage and escrow amounts. PHH Mortgage Services in my first payment to them since their acquisition of my account increased the amount of my escrowed amount, applying extra to my insurance escrow and " other taxes ''. However, my insurance had not increased and what " other taxes '' were they collecting funds to pay. PHH told me they were collecting for an escrow reserve. However, when I pushed they told me they were aware of the " problem '' and would be evaluating my account. They also stated that even though XXXX had provided them with my mortgage and escrow summary, they did not follow that report and alternatively collected more money than was necessary. So, they took money from my bank account that I did not owe. I call that stealing and I am XXXX.
Consumer complaint received 2021-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WA)

CFBP Complaint XXXX : Three years ago, XXXX, I signed a legal document with XXXX XXXX XXXX since I was very behind on my payments giving them permission to obtain their funds in any way they wanted if I failed to not make payments again. Since then I have made regularly payments but they have been reporting my credit as accounts closed, in collections, and past due. There is nothing in the document I signed that gave them permission to misreport my credit. I have spoken with them numerous times and they refuse to stop. My loan will be paid off in 6 months, XX/XX/XXXX, and they have told me that they are going to keep these inaccuracies on my report stating that I have been in collections and past due every month for all this time. 

I filed a request for this to be corrected with Equifax twice and they have not done so. They say they are reporting what XXXX is telling them is true and will not listen to me when I tell them it is incorrect. My XXXX XXXX score keeps changing from XXXX to XXXX as I file these requests with Equifax. It was XXXX and then it went down to XXXX because Equifax stated that XXXX was reporting past due amounts. I filed the requests informing them that I have not made a past due payment in years and they replied that XXXX said they are reporting correctly and left it misreported. I then hired XXXX XXXX XXXX XXXX to help me and we filed and looked at my reports together. We sent letters requesting them to correct my information. My score went back up to XXXX for a couple of months and then back down to XXXX and there it remains today. 

Equifax is incorrectly computing my score and evaluating my credit. XXXX XXXX XXXX is misreporting my on time payments as past due and stating my account is closed and in collections when it is not. I want my XXXX accounts to reflect that they are not past due. I also believe that they should not be reflected as closed and in collections. Mostly, as I pay off the XXXX student loans I want all my accounts to show as being paid on time for as long as they have been and not have to start from closed XXXX accounts with past due, in collections inaccurate reports that will reflect negatively and impact my credit for 7 years. I have experienced apartment rental rejections because of these accounts not showing correctly. I have been making on time payments for years and my credit should be reported as such. 

Thank you.
Consumer complaint received 2018-04-20
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

account on report thats not mine requested that they verify the accont using original signed contracts as required XXXX # XXXX XXXX XXXX # XXXX
Consumer complaint received 2021-05-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I recently found out that I am a victim of identity theft. A fraudulent account was open with this company. I sent the company a dispute letter, police report, and FTC report. I have not received a response from company. Its been over 30 days.