davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-13
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: Fidelity National Information Services, Inc. (FNIS) (MN)

I am a victim of identity theft and have a current police report on file with Chex Systems. The following inquiries viewed by others and by you currently listed on my Chex Systems Consumer Report ID : XXXX are fraudulent, unauthorized, and not my inquiries : 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, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XXXX. XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX and XXXX XXXX, XX/XX/XXXX. I want Chex Systems to immediately delete and remove the fraudulent and unauthorized inquiries from my consumer report today and send me an updated copy of my consumer report via U.S. mail. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX
Consumer complaint received 2022-06-29
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. (VA)

I am XXXX XXXX, who is submitting this CFPB complaint, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX  XXXXBalance : {$0.00}
Consumer complaint received 2022-06-29
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Consumer Financial Services (IL)

I had business with consumer financial services through XXXX XXXX sales in XXXX. I first got a car from them through them and later added furniture. I was making payments regularly and then my boyfriend lost his source of income and my payments fell behind. I went and talked to someone, and they got me back on track. I then relocated and started having trouble with that car. I got it fixed and it broke down again. they city put an orange sticker on it for it to be removed because I couldn't afford to get it fix again. I decided that I will just get another car. I got another and had someone to remove the old car out the yard. Consumer financial called investigator about the car and I let them know what happened. Now since I had the car removed, they have been running my credit each month without my permission. I have called them and told them I do not have their car and to stop running my credit because I haven't given them no other permission besides when I first got the car. I would like them removed from my credit report. Now I'm looking for a car they keep saying I have an open account and I don't.
Consumer complaint received 2022-06-29
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. (MD)

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to Experian about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the account completely from my credit reports : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXXBalance : {$0.00}
Consumer complaint received 2022-06-29
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. (MD)

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to TransUnion about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely frommy Credit Reports : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : $ XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXXBalance : {$0.00} XXXX XXXX ( Original Creditor : XXXX ) XXXXBalance : {$0.00}
Consumer complaint received 2022-06-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Albert Corporation (TX)

Albert working under XXXX XXXX XXXXXXXX. Allowed an account to be opened that was not authorized and was opened due to identity theft. With a stolen Email address XXXX, Albert then proceeded to attempt to advise that fraudulent charges that occurred on the account could not be disputed due to " Unusual activity '' with the account. I advised that the charges made on the account were not my charges. Someone stole my wallet and opened the account, Albert never verified any information and continued to open the account without clearing the fraud alert on my consumer files. Albert also allowed fraudulent charges to occur for an advance I never received the advance was then charged to the account for {$200.00} after I advised I never received the advance I was told too bad they can withdrawal that and I owe it because of something I never agreed to. Following that Albert allowed many fraudulent charges to occur from a XXXX I reached out to this merchant who confirmed the charges were fraudulent, I sent that communication tXXXX XXXX The merchant attempted to refund all fraud charges on XX/XX/XXXX. Albert proceeded to tell me the refunds were blocked because the account was " Suspended '' Due to " Unusual activity '' And that they can block refunds. Albert then advised me to go ahead and go back to the merchant and tell them to reissue the credits that they will unblock the account. I did and the merchant was highly upset because they already issued the credits. Albert then proceeds to dispute the charges and then later a month later, advises me they found no error that the merchant confirmed all charges were rendered. I advised thats not true because the merchant emailed me telling me they were fraudulent and confirmed so, and also advised they tried to issue a refund. Albert told me they do not care, they do not have to allow merchant refunds to go through because of unusual activity and that they take supposed security to great lengths. Again I feel that is false since they continue to fraud the account themselves. Albert then proceeds to tell me I owe the {$970.00} FRAUDULENT Dollars they deemed no error occurred on. When I asked why the merchant confirmed it was fraud but Albert confirmed it was not and they told me I can ask for Documentation. So I did and all it says is Dispute revoked. You can clearly see in their documentation from Albert where the merchant tried issuing credits on XX/XX/XXXX and Albert BLOCKED All of the refunds. I feel like this continues to violate my consumer rights, I have provided all documentation and PROOF from the merchant stating these are fraud, and albert is abusing peoples account 's by denying refunds of fraudulent charges and telling me they can do so when an account is suspended. For supposed UNUSUAL AcTIVITY FOR AN ACCOUNT I NEVER OPENED. Again Albert refuses to assist and this claim is not resolved. They blocked the merchant credits, and I will take this to visa and mastercard if necessary.
Consumer complaint received 2020-06-05
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. (UT)

I have previously disputed information with Equifax Credit Bureau more than once. On the majority of accounts included in my chapter XXXX bankruptcy the either the date of last activity and or the last payment update keeps getting changed. The credit bureau had already fixed this at least two times. Now I can not even contact a live person & I am finding that the only way to deal with Equifax is to file a complaint. 

This is what Equifax had told me in the past. Once accounts included in bankruptcy show up on the consumer credit report, the last payment & date of last activity, need to reflect or show the same month and year of when the bankruptcy has been filed. In my specific situation the date of last activity & the last payment need to reflect XX/XX/XXXX. What is happening is that the last payment is showing up for the year XXXX. 

Equifax credit bureau needs to lock out the creditors included in chapter XXXX bankruptcy from making any further changes. A few months ago everything was completely accurate. Now with the date of last payment showing XXXX the trade lines in the report are now inaccurate. 

I am requesting that the current online dispute that I have currently open, that each account that I have being disputed, be deleted from the credit report. For having to go through this again for at least a third time, violates the FCRA, Fair Credit Reporting Act. 

Equifax, as far as I'm concerned, can make it so that all accounts included in bankruptcy, can not be updated unless disputed by the consumer them self.But this credit bureau will not take proactive action to prevent it.
Consumer complaint received 2022-06-29
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. (OH)

XX/XX/2022, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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 2022-07-08
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-06-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2020-06-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

PHH-owcen return my payment XX/XX/20 required me to get attorney statement to speak with them so Im sending you their statement etc Phh, ocwen XXXX Estate of XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA statement lower amount {$880.00} instead {$880.00} property address.has error should be XXXX XXXX XXXX XXXX XXXX XXXX.CA..wow again their error wont allow me to make payment also The Attorney letter got right on ... 
I spoke Wednesday with Agent XXXX XXXX XXXX 
their are remote..said it would take a week to get my statement etc Widow of Veteran XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX while return to stateside XXXX XXXX. XXXX yes I have suffered. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-29
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: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-06-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I received your response in my complaint # XXXX and Im the one who submitted a complaint on XX/XX/2022. This account ( XXXX XXXX XXXX ) is reporting on my personal credit file with Equifax, XXXX, and XXXX XXXX Credit Reporting Agencies ). This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( XXXX ) & data furnisher ( XXXX ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me.
Consumer complaint received 2020-06-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

1. I took out a loan for {$37000.00} back in XX/XX/XXXX with Ocwen Loan Servicing, the sold my mortgage to PHH mortgage which is the " same company '' I believe and now they say I owe {$51000.00}, and 15 more years. I don't know how that could be. 

2. I believe this is the same company because they have my same account number and I did not authorize PHH to take any money from my bank account and they have been, I did do a stop payment because I did not know who PHH Mortgage was. Ocwen nor PHH notified me that PHH was my new mortgage provider before going into my account and took an additional {$300.00}. 
3. They were over charging me for my insurance on my escrow and I started paying my insurance thru XXXX myself back in XX/XX/XXXX, and as of today XX/XX/XXXX they have not sent me my reimbursement for my insurance, that they have been taking and I've been paying it myself. They also knew because I did specify it and my mortgage went down by {$480.00}. 
4.When the account was sold to PHH mortgage XXXX Ocwen reported me as being multiple payments late and PHH mortgage started my account as being multiple payments late as well. 
5. PHH did a foerberance for me for this covid, but said that It was only good for XXXX, XXXX, and XXXX, because I was behind and that was't true, and I did send them my bank statements showing that I haven't been late or missed a payment in 5 years, yet they still report this on my credit report. 
They have been reporting incorrect information on my credit report which has damaged my credit significantly, some as much as 300+ months late. 
6. I have been paying towards my principal and I did specify apply to principal and they have not been applying the extra payments towards my principal.