davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MI)

On XX/XX/XXXX 2 payments from the VA were posted on our behalf, shortly after a VA representative spoke to Ocwen Loan Services and got a balance due on our account. We were approved to catch up on our loan and be current after 2 loan modifications within a 5 year span. Ocwen was well aware of the money coming in to them from the VA and we had an agreement with them that the mortgage would become current when the payment arrived of the amount indicated by them to VA and us in XX/XX/XXXX. 

When the money came in to them, it took them 3 days after the day of the received payment day of XXXX ( XX/XX/XXXX ) to post it to this account. On top of the payments of {$1200.00}, they tacked on a late fee of {$15.00}, another payment due and the amount due on XX/XX/XXXX was XXXX. For XXXX payment it was {$1300.00}. These payments made were combined with our payment made of {$640.00} in XXXX after many attempts to straighten out the loss of our current status. That is 3 payments to them in a 30 day window and they still would not correct the payments making it current. 

This ruined my credit. I want it corrected and applied to my account since they knew the money was coming in from the VA and myself, and refused to waive any and all  fees. They gave the VA incorrect numbers of what would be due at the time they received the payment from them. It was only 4 days from the 15 day window of another late fee ( XX/XX/XXXX ). 

Ocwen recieved money from the VA on the XX/XX/XXXX but they had spoken to the VA regarding the payment being approved and on its way the entire month of XXXX. They knew the money was going to be there. At this time, my account is still past due with no means to make a double payment. They continue to tack on late fees and will not go back to XXXX and correct this mistake. 

I am a XXXX veteran with 1XXXX XXXX XXXX civilian status as well and my wife is XXXX-both from a car accident in XXXX. We were both taken off of work at that time. My income went from {$60000.00} a year to the poverty line. We now live on public assistance-not by choice. We have had this mortgage modified twice and they still refuse to bring it current to help us. They have us still past due, even though they know my situation from several years ago when I tried to modify the mortgage and they took {$350.00} processing fee from me just to do it wrong and I had to modify it again a year later! 

Since this time, we have been past due/deliquent status, never to become current due to their mishandling of the fees and money they received from the VA in XXXX.
Consumer complaint received 2022-03-29
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. (FL)

XXXX is reporting 4 charge-off accounts that's been charged off since 2016 with inaccurate dates as well as missed payments days as well. Also, XXXX have violated 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( 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. 

Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 

PROHIBITION : a law or regulation forbidding something As stated by the IRS, Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. 

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting the 4 accounts XXXX is reporting as charge-off accounts being inaccurate! 

By Definition, The IRS Clearly says a Cancelled or Charge off is Income. The reporting of this account as a debt is in accurate. 15 USC 1681 s-2 Says XXXX, are a furnisher of information to a consumer reporting agency. Per this regulation I stated, XXXX by law is prohibited to furnish inaccurate information. XXXX is not doing nothing about it and it is effecting me and my family. 

I have attached my XXXX report and highlighted the XXXX charge-off accounts that are in question to show them being inaccurate as well as payment history for the accounts.
Consumer complaint received 2021-11-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (FL)

First I never received anything in the mail, only saw this collection reporting on my credit file which is NOT accurate. I turned in all the phones that were leased when my agreement was up. I do not owe XXXX anything. This is inaccurate. See attached receipts showing I turned in.
Consumer complaint received 2019-07-26
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)

Equifax ; XXXX and XXXX are reporting incorrectly a collection with XXXX XXXX XXXX XXXX XXXX partial account number XXXX for {$200.00}. ( Please see pages 25 and 26 of the attached credit report. ) This collection item was deleted from my credit report however, now it has re-appeared from the same collection agency, XXXX, and they have now generated a new account number and re-aged this collection. By doing this, they are in violation of the Fair Credit Reporting Act. I have contacted the ( 3 ) bureaus to have these line items removed however, I have not been successful. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report.
Consumer complaint received 2022-03-29
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)

XXXX is reporting XXXX charge-off accounts that's been charged off since 2016 with inaccurate dates as well as missed payments days as well. Also, XXXX have violated 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( 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.

Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact.

PROHIBITION : a law or regulation forbidding something As stated by the IRS, Even if you didn't receive a Form XXXX, you must report canceled debt as gross income on your tax return. 

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting the XXXX accounts XXXX is reporting as charge-off accounts being inaccurate! 

By Definition, The IRS Clearly says a Cancelled or Charge off is Income. The reporting of this account as a debt is in accurate. 15 USC 1681 s-2 Says XXXX, XXXXre a furnisher of information to a consumer reporting agency. Per this regulation I stated, XXXX by law is prohibited to furnish inaccurate information. XXXX is not doing nothing about it and it is effecting me and my family. 

I have attached my XXXX report and highlighted the XXXX charge-off accounts that are in question to show them being inaccurate as well as payment history for the accounts.
Consumer complaint received 2016-05-24
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Specialized Loan Servicing Holdings LLC (WA)

This was a HELOC ; I paid the final balance IN FULL, then am told I need to pay {$85.00} to " pay off '' the loan, including a " late fee '' of {$5.00} ( on an account with NO BALANCE, and interest of XXXX cents. A " statement fee '' of {$25.00} and a " recording fee '' of {$36.00} This loan was paid timely, in full and regularly ; however, it was SOLD to a third party, Specialized Loan Servicing XXXX., who seems is in the business of generating fees when they ca n't generate genuine late payments. The amounts are small, the principle is outrageous.
Consumer complaint received 2020-06-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CT)

Response to Complaint ID : XXXX Again I have to make clear that Portfolio has not provided proper validation OR verification in their claim towards me. I dont know what definition of verification PRA is using regarding verification but XXXX XXXX XXXX defines verification as confirmation by oath or affirmation. That has not been produced yet. All the verification they keep flooding me with are a hearsay copy of a bill and a supposed bill of sale. There is no documentation as to how they arrived at the amount they claim gives them the right to access my information. This company has been in continued and willful violation of the law for false or misleading representations, 1692g of the Fair Debt Collection Practices Act for perpetually furnishing their derogatory information towards me without providing this documentary proof and basing their proof of a claim on generic hearsay papers. 
Portfolio, in their response, says they purchased the contracts on these alleged accounts yet continue to fail to provide such contracts or demonstrate where I have signed them, again demonstrating their willingness to flaunt 1692g of the FDCPA and engage in false or misleading representations. If they have business records provided by alleged original creditors showing dates of these accounts being open and are using this to base the foundation of their claims to acquire a permissible purpose to access and report on my credit files, why do they continue to refuse to demonstrate these business records? Where are the affidavits verifying these business records? Otherwise all that is based on hearsay and as has been demonstrated in the CFPBs own consent order against PRA, PRA obtains their documentation in an AS IS basis off of XXXX spreadsheets, not a manner to prove a factual case on. 
The 2004 US District Court for Arizona case, Boatley Vs. Diem makes clear that credit reporting is a form of debt collection and as PRA continues to report without demonstrating a provable basis for their claim on a level higher than hearsay, they must cease reporting and lose my personal information or provide all this information. Anything other than this step proves the lie in their statement that they take compliance with all federal laws seriously and demonstrates a willingness to engage in wire fraud AND mail fraud as well as a total disregard for 1692 of Title 15 of the US code, that deals with consumer protections from having their rights violated by third party actors. Their assertion in saying that we believe that the validation provided resolves the disputes is wrong. It is not their belief that facts and verification is based up. Its not important what PRA BELIEVES, but what they can verifiably PROVE. I expect to see the removal of these items and receive a statement from Portfolio confirming that they are deleting their record of my personal information.
Consumer complaint received 2022-03-29
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. (FL)

XXXX is reporting XXXX charge-off accounts that's been charged off since 2016 with inaccurate dates as well as missed payments days as well. Also, XXXX have violated 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( 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.

Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 

PROHIBITION : a law or regulation forbidding something As stated by the IRS, Even if you didn't receive a Form XXXX, you must report canceled debt as gross income on your tax return. 

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting the XXXX accounts XXXX is reporting as charge-off accounts being inaccurate! 

By Definition, The IRS Clearly says a Cancelled or Charge off is Income. The reporting of this account as a debt is in accurate. 15 USC 1681 s-2 Says XXXX, are a furnisher of information to a consumer reporting agency. Per this regulation I stated, XXXX by law is prohibited to furnish inaccurate information. XXXX is not doing nothing about it and it is effecting me and my family. 

I have attached my TransUnion report and highlighted the XXXX charge-off accounts that are in question to show them being inaccurate as well as payment history for the accounts.
Consumer complaint received 2022-03-29
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. (MS)

I DID NOT AUTHORIZE OR NOR CONSENT TO THE FOLLOWING INQUIRIES BEING FURNISHED ON MY CONSUMER REPORTS! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection account that is kept to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-05-18
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: OneMain Finance Corporation (FL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-03-29
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. (TX)

In accordance with the Fair Credit Reporting Act, Everything has to be 100 % accurate on my credit report. These actions violated my rights. 

ACCOUNT - 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. 

The Credit Reporting Agencies stated the account was properly investigated but these items in my attached credit report show different.
Consumer complaint received 2022-03-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act, Everything has to be 100 % accurate on my credit report. These actions violated my rights. 

ACCOUNT - 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. 

The Credit Reporting Agencies stated the account was properly investigated but these items in my attached credit report show different.
Consumer complaint received 2023-10-02
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. (OH)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2022-05-18
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: HYUNDAI CAPITAL AMERICA (FL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-03-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TOYOTA MOTOR CREDIT CORPORATION (OR)

Attempted to make a one time payment to XXXX ( Toyota financial ) on XX/XX/XXXX. Payment was due XX/XX/XXXX. Was notified on XX/XX/XXXX that payment had not processed due to app error and they were working on fixing it. Scheduled a payment to be processed on XX/XX/XXXX for both XXXX and XXXX so ensure my bank account would not be over drawn. XX/XX/XXXX was notified by my personal bank and XXXX XXXX  that my account was delinquent with a 30 days past due and my credit score has dropped nearly XXXX points. I have contacted XXXX  about this several times in attempt to fix the problem while acknowledging that I was 30 days past I wouldnt not have been late if it hadnt of been for the app problems. At least three representatives have said they are aware that the app is post dating payments made which in turn is causing lots of accounts to have the same issue I am having. I have worked so hard to get my credit to where it was and to be able to afford things like a XXXX dollar a month car payment. I have had nothing but problems with this company for the 13 months my husband and I have worked with them and I am extremely disappointed in how they handle customer complaints and the fact that they know they are having computer issues and are not notifying customers of these problems. 

In both the app and XXXX  website I am not able to see all of my transactions. There isnt a way to see dates payments were made or scheduled and its not possible to see receipts for my record. 

As well as making sure when its requested to make a due date change its done in a reasonable time. I was charged month after month for late fees from XX/XX/XXXX until XX/XX/XXXX when a manager finally did the change her self for a 12 day date change.
Consumer complaint received 2022-03-29
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. (FL)

To whom it may concerned, I sent in a dispute letter to Equifax and XXXX around XXXX XXXX to removed negative accounts and inquiries that 'was opened fraudrulently, they never responded back I'm also was a victim in the equifax databreach on the attachments i attach the dispute letter that i had sent to both companies also in email showing that i was affected on the equifax data breach..