davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I Have contacted CREDIT BUREAUS on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.
Consumer complaint received 2015-03-25
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (MO)

On XXXX XXXX a check was written to Toyota motor company for payment. The bank was unable to read the check correctly and paid Toyota XXXX instead of the XXXX. We got a letter that said we were late and called and paid the balance. There then was another letter saying the XXXX had not been paid again ... They said payment did not go through. We again paid the balance. This is showing on my credit report that I have XXXX late payments to toyota on my credit. I attempted to resolve this with Toyota and they refuse to take it off my credit. They also reported this during a bankrupsy period which I did not think they could report. In any case this was all over the bank miss reading the check. Please help to get this off my credit report. thanks
Consumer complaint received 2017-03-01
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (CA)

I am not able to remove a credit freeze I may have put on my account when I was disputing some items. Now I ca n't get credit because most places say that they can not pull my credit due to a credit freeze. I was trying to get my free credit report on line but because there is a Credit Freeze, I was not able to get any of the reports online. I try to contact all XXXX bureaus but non offer an online or telephone call to remove the CREDIT FREEZE, please help, they are killing me with denials due to unable to see my credit.
Consumer complaint received 2015-12-07
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CURO Intermediate Holdings (NV)

I got XXXX loans that I recall from a place called rapid cash, but on my credit report it shows XXXX of them. When I got the loans I had money problems since I 'm the only XXXX working in my household. So I have to pay rent, electric bill, gas, car, house insurance, phone, car, medical bills. So i got the loan so I could help myself a bit. I was making enough at my last job so I was n't able to keep paying. But I only recall getting XXXX loans not XXXX so I do n't understand why it shows up XXXX times.
Consumer complaint received 2015-12-17
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: TCF NATIONAL BANK (FL)

There are several inquiries on my report that I did not authorize, XXXX of which looked as though when I was searching for cars. I did not authorize the dealerships to talk to other vendors/banks to get a lower rate yet that was done. This was done on XXXX occasions ( XXXX dealerships ) and multiple banks from each. This severely effected the inquiry portion of my credit report and my score in general. This needs to be corrected ASAP so my credit reflects correctly for now and future purchases/actual inquiries.
Consumer complaint received 2018-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

the bank withdraw funds from my account but did not provided any information or description to me about the withdrawal. the statement shows withdrawal but i never withdraw those funds. second transaction shows online dispute but i have not received any information regarding any dispute. bank failed to protect my funds and provided no documents regarding any disputes and withdrawals. 

XX/XX/XXXX Withdrawal XXXX XX/XX/XXXX Reverse Credit Due To Online Dispute XXXX
Consumer complaint received 2022-02-14
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. (TX)

In XX/XX/XXXX, I successfully refinanced my property with XXXX and paid off the outstanding debt owed to XXXX Mortgage. My first payment on the new term commenced on XX/XX/XXXX. I made two payments in XXXX towards my mortgage payment of {$1400.00} before the end of the month. Then in XX/XX/XXXX, I paid the full amount owed on the XXXX of XX/XX/XXXX to avoid a late payment. Since making my first full payment for XXXX and also XXXX I have not seen my mortgage payments reflect on my XXXX credit report nor other credit reports. My DTI ( debt to income ) ratio has taken a big hit. In XX/XX/XXXX, I asked XXXX to place my account in forbearance due to COVID-19 XXXX XXXX which they verbally agreed over the phone on XX/XX/XXXX when I spoke with an agent named XXXX XXXX. XXXX has been looking for a way to repossess my property by negatively reporting or labeling the account as delinquent inspite of the fact that two additional payments were made towards covering my principal and interest in the amount of {$950.00} on XX/XX/XXXX and XX/XX/XXXX. These payments were made on my behalf by a XXXX program sponsored by my county for people affected by the pandemic. Furthermore, my account has a surplus payment as XXXX never refunded the difference of the amount it withheld for my 2021 property taxes. They erroneously overcharged my account twice for the same XXXX  XXXX tax. I have made multiple inquiries with them and they keep saying that it is under review. They sent me the wrong forms for mortgage assistance which I understand ought to be completed only after a covid-19 forbearance elapses. By XX/XX/XXXX if they do not roll over the excess payments in my account to cover XXXX 's mortgage and/ or place my account in the COVID forbearance, it would negatively report as a delinquent account and this will harm my credit worthiness. XXXX is purposely doing to damage my credit and to find a devious way to possess my property if not stopped. I have never failed to make payments on my mortgage or been in this precarious situation.
Consumer complaint received 2017-02-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In XX/XX/2016 my XXXX accounts were compromised. At that time I was using my XXXX checking account to pay bills online. XXXX of these was my XXXX account. While the XXXX account was frozen, the XXXX payment I had made was denied, but I did n't know that until receiving my next XXXX statement with a late charge. I called XXXX to explain, they mistakingly understood my XXXX account had been compromised and closed that account and issued a new credit card. The balance was transferred to the new account. I reissued the payment, but XXXX did not remove the late fee. I called again and they confirmed they received my payment and agreed to remove the late fee since the situation causing the late charges were not in my control. However the next statement showed a credit of the previous late fee, but there was a new late fee on the earlier late fee, and the battle continued and explaining continued. Each month they credited the previous late fees, but did so after the closing date so new late fees were incurred. My daughter got involved and after numerous calls, endless explanations, and dealing with an extremely rude XXXX customer service rep, she was able to convince XXXX that the original, very small balance, had been paid in good faith and the late charges were in error. All fees were reversed and the account was brought to XXXX balance. There should be no negative credit reporting from XXXX on this account. It has caused my credit score to drop over XXXX points in the last few months and I was just denied a XXXX XXXX credit card because of this. As you can see I have very good credit scores on my other accounts. Please rectify the XXXX erroneous 30 day late entries on the XXXX report. Thank you.
Consumer complaint received 2015-06-10
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (WA)

OCWEN AND XXXX ARE FALSING REPORT OLD MORTAGE LOANSMortgage account number XXXX and mortgage account number XXXX XXXX I started the hardship process with XXXX XXXX XXXX weeks prior to the closure of the short sale the loan servicer XXXX bundled my into a bulk sale/transfer of an new servicer Ocwen . Subsequently Ocwen providing false or misleading reasons for denying short sale and refused to handle my loan modifications without me first making a payment. The customer service agents at Ocwen suggested I take a loan from my XXXX account to prove I was serious about resolving the matter. A loan was taken from my XXXX payments were made to Ocwen up to XXXX XXXX and I was still unable to get assistance with a short sale or modification. XXXX year later, the deed of the property was transferred to the HOA and later sold in a sherrif sale. Attached is a summary of attempted interaction with OCWEN and Experian. 
XXXX is the only credit bureau who has refused correct the reporting mistakes by OCWEN both XXXX and XXXX have been compliant with my request. 
Attached : XXXX XXXX Experian list Ocwen as verified/updates with incorrect dataAttached : XXXX report of XXXX reporting agency show the account status as deed in LieuAttached : Sheriff Sale of the property AttachedAttached : Deed transfer in lieu of for foreclosure
Consumer complaint received 2015-06-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (SC)

In XXXX of 2014 we FINALLY came to an agreement with Ocwens lawyer, XXXX XXXX from the XXXX in XXXX, NC to modifiy our mortgage. This modification agreement was subject to a dialogue to get clarification regarding the escrow. On XXXX XXXX, 2014 the Ocwen lawyer XXXX XXXX finally was able to get clarification from their client that stated that : " The answer to your question is that the escrow shortage has been made part of the new outstanding principal balance due under the modification. The shortage ( which was identified in his XXXX/XXXX/14 email to be ( {$39000.00} ) ) will get repaid during the life of the loan upon repayment of principal and interest. " However, just a few months later they have wrongfully increased the escrow by 75 %. I have contacted them and over the course of two weeks still can not get this corrected despite forwarding these clarifications to them and several conversations with their escalation specialist XXXX XXXX. So once again the mortgage servicing is XXXX up and Im using my time to XXXX it as well as pay the increase in the interim because their system will not allow for a short payment. While XXXX XXXX is quite nice she doesnt have the ability to undersand the problem nor authority to correct it. She says she will call back in 5 days with better clarification. Im not holding my breath. I guess I need to again hire a lawyer. What a stupid mess.
Consumer complaint received 2017-05-21
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. (TX)

I was unable to pull my free annual credit report for Equifax. In addition to this, I tried to do a dispute through Equifax and it states they can not confirm my identity. I also use third party credit monitoring services and the Equifax portion has not been updated since  XXXX   XXXX     2017. I c ontacted my 3rd party monitoring services and they stated Equifax is not allowing them to pull anything. They told me to contact Equifax directly. I contacted Equifax directly and got nowhere. They were able to confirm my identity, however they could n't tell me what the issue is in regards to pulling reports and credit monitoring services I use. All they did is offer me to purchase a credit score pull directly from them ... .I do n't understand how I cant pull through my credit monitoring services that I pay for, but yet E quifax is a ble to if I pay them directly. To me it appears they are purposely doing this to force people into paying for their products directly to them.
Consumer complaint received 2023-04-03
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. (MA)

Hi, Please keep in mind, I have copies of letters sent and dispute history. Dating back to late XXXX XXXX, That was my first attempt to fix my Consumer report. I got nowhere with that investigation, and no solutions came about. A year later, XXXXXXXX XXXX XXXX  I sent a reinvestigation letter for Experian to look into the disputes made. Again, my issue wasn't resolved as my right as a Consumer under 15 U.S. Code 1681d. 

Between XXXX through XX/XX/XXXX, I have sent letters requestion reinvestigations. again, no results. 
XXXX through XXXX XXXX I have started making copies of all letters sent requesting a reinvestigation of my disputes and each time, I have received an email titled : " Your dispute results are in '', I input the information given by Experian and enter my Personal Information, just to see again that there as been no changes. 
Within these requests, I have asked Experian to investigate the 4 reporting names on my Consumer report since this allows my Personal Information to be subject to Fraud. Again, no changes. I have also request that a current Charge off from XXXX XXXX XXXX, Whom I have attempted to make a complaint on also but XXXXXXXX XXXX XXXX is not in the CFPB Complaint System. The CFPB forwarded my complaint to the Federal Trade Commission and the Consumer Sentinel Network. 
( XXXX ). 

I also made a claim with Experian thought my Business XXXX  Account ( a paid monthly account ) relating to potential Fraud and requesting an investigation since XXXX XXXX XXXX is reaching out to Family members requesting a photo of my I.D . I have been told that my request can not be solved and I was then transferred back to CFPB. 

Now, I am filing a complaint and will be taking legal action. I know my rights as a consumer and feel confident in this motion.
Consumer complaint received 2017-03-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Past Disputes XX/XX/XXXX Completed Submission Pending Submitted to TransUnion Under Investigation Completed XX/XX/XXXX XX/XX/XXXX Completion Date XXXX Account Name Original Creditor Open Date Status Balance XXXX XXXX XXXX XX/XX/XXXX Open {$120.00} Item Results Result : Verified, No Change - TransUnion verified your TransUnion credit report information. No changes have been made. 

Dispute Reason Accuracy : Fraudulent charges were made on my account. 
Dispute Results From TransUnion TransUnion received your request on XX/XX/XXXX and completed their investigation on XX/XX/XXXX. Please review the results carefully. 

If you are not satisfied with the results of your dispute request investigation, you may complete and submit a Request for Investigation directly to TransUnion at the address below, along with any supporting documentation. You may also request that TransUnion add an explanatory statement of XXXX words or less to your credit report. 

If you have specific questions regarding your dispute request or need to submit additional information or an updated address, please contact TransUnion using the address shown below. When contacting TransUnion, provide your current file number : XXXX. 

Mail : TransUnion -- Dispute XX/XX/XXXX Completed Submission Pending Submitted to TransUnion Under Investigation Completed XX/XX/XXXX XX/XX/XXXX Completion Date XXXX Account Name Original Creditor Open Date Status Balance XXXX XXXX XXXX XX/XX/XXXX Open {$120.00} Item Results Result : Verified, No Change - TransUnion verified your TransUnion credit report information. No changes have been made. 

Dispute Reason Ownership : I have no knowledge of this account. 
Dispute Results From TransUnion TransUnion received your request on XX/XX/XXXX and completed their investigation on XX/XX/XXXX. Please review the results carefully. 

. When contacting TransUnion, provide your current file number : XXXX. 

XX/XX/XXXX Completed Submission Pending Submitted to TransUnion Under Investigation Completed XX/XX/XXXX XX/XX/XXXX Completion Date XXXX Account Name Account Type Open Date Status Balance XXXX Other XX/XX/XXXX Closed {$2300.00} Item Results Result : Verified, No Change - TransUnion verified your TransUnion credit report information. No changes have been made. 

Dispute Reason Ownership : This account was fraudulently opened by someone who stole my identity. 
Dispute Results From TransUnion TransUnion received your request on XX/XX/XXXX and completed their investigation on XXXX XXXX, XXXX. Please review the results carefully. 
e current file number : XXXX. 

i have disputed the accounts listed with transunion and XXXX over a year! I had them investigated as well. The credit companies keep denying me the removal or refuse to update my credit report. As well as remove fraudulently placed Credit Inquiries
Consumer complaint received 2015-05-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (MD)

This issue is with XXXX XXXX. They have failed to report our information correctly. We never included our mortgage in the Chapter XXXX bankruptcy filing. We paid the loan off based on the short sale agreement established with this mortgage company. The date of the bankruptcy was XX/XX/XXXX and the house sale date was XX/XX/XXXX.
Consumer complaint received 2016-04-29
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Credit Service Company, INC (CO)

I have initially been improperly notified of a debit not only being transferred, but I was sued without being given the demand letter after asking for a copy multiple times. I had a pretrial conference date originally scheduled XXXX XXXX, but it was changed to XX/XX/XXXX. Upon requesting the minutes from the court session on XX/XX/XXXX, it was stated on court issued documents " DATE OF XXXX/XXXX/16 GIVEN BY THE CLERK IN ERROR. ATP WILL DO AMENDED NOTICE OF NEW PRETRIAL DATE ''. On XXXX/XXXX/16, I received a judgment from the XXXX XXXX county courts contradicting the court minutes to reschedule the pretrial date. As has been the case with the plaintiff, they are not following the rules or keeping with what they have told the court they will do. I would like to see my court case that was held in error ( per the clerk ) be vacated so that I am able to have my day in court. Once agin, I want a copy of the demand letter that I have yet to receive.
Consumer complaint received 2015-09-30
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (FL)

My loan is currently serviced by Ocwen Loan Servicing. Ocwen Loan Servicing has failed and refused to act on my request for reinstatement and payoff quotes. The request was made to Ocwen Loan Servicing and to their Attorney on XXXX XXXX, 2015. I tried to make contact with Ocwen Loan Servicing numerous times and was told that they would not speak to me due to the fact that this matter is in litigation and there are certain litigation codes on the file. Ocwen Loan Servicing advised me to contact their law firm XXXXThat law firm can not talk to a represented client. So the bank advises me to talk to their lawyer to remove their litigation codes, but their lawyer can not ethically and professionally speak to a represented person. This is just another example of Ocwen Loan Servicing stonewalling and not complying with the national mortgage settlement. 

My loan number is XXXX state of Florida , County of XXXX XXXX case number is XXXX
Consumer complaint received 2022-09-06
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX  Account XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681C. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 U.S.C 1681-2 ( 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 2024-01-26
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. (NJ)

I, XXXX XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ). 

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion. 

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors. 

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.