davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-28
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. (MI)

My personal information was used without my permission to open fraudulent accounts and inquires using unauthorized residential address I never lived at. I have contacted to credit bureaus, data furnishers consumer financial protection bureau, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law. Unauthorized inquires include : XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX inquired on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX inquired on XX/XX/XXXX XXXX XXXX XXXX inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX inquired on XXXX XXXX XXXX XXXX XXXX  inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX inquire on XX/XX/XXXX Attached is police report and paperwork with all fraudulent inquires sent to all brureas
Consumer complaint received 2020-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XX/XX/XXXX, ( XXXX  XXXX ) {$690.00} .. Submitted Identity theft dispute to credit agency XX/XX/XXXX, $ ( XXXX XXXX ) XXXX ... Submitted Identity theft dispute to credit agency XX/XX/XXXX $ ( XXXX  XXXX ) XXXX Submitted Identity theft dispute to credit agency XX/XX/XXXX $ XXXX XXXX XXXX XXXX  ) XXXX Submitted Identity theft dispute to credit agency XX/XX/XXXX ( XXXX XXXX XXXX {$20000.00} Submitted Identity theft dispute to credit agency XX/XX/XXXX ( XXXX XXXX ) {$410.00} Submitted Identity theft dispute to credit agency XX/XX/XXXX ( XXXX ) {$970.00} Submitted Identity theft dispute to credit agency XX/XX/XXXX ( XXXX XXXX ) {$4000.00} Submitted Identity theft dispute to credit agency XX/XX/XXXX ( XXXX XXXX ) {$180.00} Submitted Identity theft dispute to credit agency XX/XX/XXXX ( XXXX XXXX XXXX ) {$240.00} Submitted Identity theft dispute to credit agency
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I received an unsolicited letter via email from XXXX acct : XXXX stating that I owe a debt. This account has already been disputed as not valid with the original creditor. Fair Credit Reporting Act dictates that every single accusation of debt, be it true or not true it absolutely must be reported accurately, timely, and reported in all deferment/transfer cases. It appears that it can not be determined in irrefutable fact ( as required ) that everyone and all the ACCOUNTS in question were or were not handled properly when they were transferred. I am enacting both my consumer rights lawfully to COMPEL YOU IN WRIT DEMAND to demonstrate all facts and further to in equivalently provide me with written documentation of the deletion of this erroneous information for every one of the unproven or else otherwise not lawfully compliant reporting of accounts, which obviously are in question. Consumer Financial Protection offices ( regarding this unforgivable and extremely injurious error in your clear misreporting of illegal misinformation )! AGAIN, FACT IS that to this date, no entity ( neither the accusers nor you ) has elected to properly and lawfully in truth, accuracy, completeness, timeliness, and otherwise in full reporting compliance ( particularly in metro 2 compliance ) to provide to me, the consumer alleged, even a single or ONE tangible shred of evidence from any much less any of these data furnisher ( s ) of your absolute maximum compliant reporting ( s ). I have indeed made known my concerns of the data provider and your continued potentially unlawful chicanery-based subterfuge in my credit reports as related to these allegations hereby above detailed.
Consumer complaint received 2020-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Second Round Limited Partnership, Austin, TX Branch (NV)

Dear CFPB I am seeking help, my rights have been violated as per 809.Validation of debts Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 809 by Second Round LLC. I sent a letter of validation in response to the letter notice of payment by Second Round LLC XX/XX/XXXX I sent the response letter on XX/XX/XXXX and have not received a response back as per 30 days. I sent a second letter of non-response XX/XX/XXXX. Second round LLC failed to respond to my letter and has since now to put erroneous and inaccurate information on my credit report. Second Round round LLC has failed to report to XXXX  that this matter is in dispute and by law can not pursue any credit reporting agency until the matter is resolved. Second round LLC has not validated this debt as per required by the fair credit reporting act section 809. I have Proof and certified mail of the timeline which shows the violation. Since they are violating the law and have not proven that this debt is mine I am requesting that all information passed on to any credit reporting agency should be removed.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C. 5 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (PA)

On the XXXX, I reached out and informed them my tax amount reflected that a lower amount was due than was paid. I was told they'd look into it. Below is the initial email sent, along with attachments reflecting both pieces of information : XXXX XXXX XXXX Payments are not consistent with the payment history on the XXXX tax payer website. Amounts removed from the account do not reflect overpayment. 

My annual tax amount should be {$3300.00}. It appears that Mr. Cooper has billed my escrow for {$4500.00}, and never reflected a credit from the over payment. The City of XXXX does not reflect an overpayment, but reflects a payment of the accurate tax amount ( due to the homestead act exemption ). 

Can someone please investigate these discrepancies? I do not feel my escrow account has an accurate balance right now. 
- Mr. Cooper did not send written follow up and communication. I have had to call and beg to get any more information. I have asked for copies of all communication to the city of XXXX, that has been refused. They also will not tell me how to contact the city of XXXX or provide any follow up on the initial email request.
Consumer complaint received 2023-11-28
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: Experian Information Solutions Inc. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC (NC)

After XXXX weeks of being unsuccessful with trying to pay my mortgage through the online portal, I discovered through XXXX that there has been a security breach with the loan company/XXXX  XXXX XXXX There has been absolutely no communication from Loancare informing borrowers of this breach, updates, or information on how to move forward to how to actually pay your monthly loan payment. My several attempts to communicate with Loancare have been met with automated messages or being placed on hold until no one picks up your call after an hour. 

I don't know how my personal info could be at risk, how I can move forward to paying my mortgage, or if I will be penalized for a late payment with fees or if my credit will take a hit. I have never missed a payment throughout this lending process. Loancare has not communicated with their borrowers and this is very upsetting to learn about through XXXX, not directly from them. 

https : XXXX
Consumer complaint received 2023-11-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP (MA)

On XXXX night, XX/XX/23 my car was broken into they stole my credit card, and they also stoled my work bag. I am unsure if my Social Security was in any of the XXXX of my work bag.
Consumer complaint received 2020-01-22
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Republic Credit Indemnity Companies, Inc. (IL)

I filed for bankruptcy and it was discharged XX/XX/XXXX. I have received at least two notifications from Republic Equity Credit Services the letters include documentation from the original creditor XXXX  XXXX XXXX. The most recent notice from Republic Equity Credit Services on XX/XX/XXXX. I decide to look into why they were sending me this notices. I meet with a bankruptcy attorney and provided him with all of the documentation that was sent from Republic Equity Credit Services. The attorney informed me that this is fraudulent because both creditor are documented in my bankruptcy and the date of by bankruptcy is not documented on the letters. He also inform to review any Liens or Claims on my property with the XXXX County Recorder of Deeds. After visiting the XXXX County Recorder of Deeds I discovered there were know additional liens or claims on my property other than my current mortgage company.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL (SC)

Ive had an open dispute now with PayPal credit for probably over a year I found dispute with you guys asking for documentation proving that it was me that made the charge because I filed a fraudulent charge so just depends few weeks Im getting a lot of harassment email emails and text messages And letters in the mail regarding this charge that they want me to pay for. I asked them five times to close. My account told him that I wasnt paying for something I didnt charge unless they can prove otherwise Im not paying for it so now theyre retaliating against me And how theyre doing it by violating my rights two days ago they went and notified the credit bureaus that my account is delinquent its more than 90 days late and my credit score drop XXXX points. Oh wow its still under dispute. Within the past two weeks. I had two phone calls with them, and both agents told me to disregard the messages as it still in dispute, after that two days went by they notify the credit bureau again stating that my account was closed and they backdated it to XX/XX/ XXXX  that was after they reported my account delinquent two days prior. Theyre making inaccurate false reports on my credit. I disputed it with two of the credit bureaus XXXX XXXX and XXXX because I know they both received information from PayPal credit. I asked him numerous times for documents they refused to give it to me. They sent me like four months of my statements, so now I believe theyre doing this intentionally and because of that my credit score took a dramatic drop of XXXX points and theyre violating the law because its my rights
Consumer complaint received 2023-11-28
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. (MI)

My personal information was used without my permission to open fraudulent accounts and inquires using unauthorized residential address I never lived at. I have contacted to credit bureaus, data furnishers consumer financial protection bureau, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law. Unauthorized inquires include : XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX  XXXX inquired on XX/XX/XXXX XXXX XXXX  XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX  inquired on XX/XX/XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX  inquired on XX/XX/XXXX XXXX  XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX inquire on XX/XX/XXXX Attached is police report and paperwork with all fraudulent inquires sent to all brureas
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CO)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This Is a Direct Violation of Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are Investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint. with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v.

Trans Union Corp. No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you will be liable for your willful non-compliance. Please Remove all Fraudulent accounts as i have no knowledge of these accounts due to the XXXX Data Breach/ Identity theft. All is being investigated by the FTC I am also keeping the companies listed below informed of your willful noncompliance CC : Consumer Financial Protection Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX CC : State senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and Insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints
Consumer complaint received 2020-01-22
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: Experian Information Solutions Inc. (UT)

My identity was stolen I dont know how it happened. I have all the dates, account numbers, and amounts for the fraudulent accounts in a document attached here. I called the attorney general, the companies, credit bureaus, and no help. The attorney general told me to file a complaint here so hopefully someone can help me because this is crazy.
Consumer complaint received 2023-11-28
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Andreu, Palma & Andreu, PL (FL)

During a review of my credit score in XX/XX/2023, I noticed an outstanding collection in the amount of XXXX. I contacted XXXX XXXX and asked for it to be removed. I later received paperwork from a debt collection agency in the amount given above. I have lived at my current residence for almost XXXX years. This debt is not mine, I know the female who listed me on the rental agreement. I have not had contact with her since XX/XX/2023. She resided in this apartment with her parents.
Consumer complaint received 2023-11-28
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. (MI)

My personal information was used without my permission to open fraudulent accounts and inquires using unauthorized residential address I never lived at. I have contacted to credit bureaus, data furnishers consumer financial protection bureau, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law. Unauthorized accounts include XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$530.00} also attached is police report made that was sent to all companys
Consumer complaint received 2023-11-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.
Consumer complaint received 2023-11-28
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: EQUIFAX, INC. (FL)

I sent this exact letter ( below ) out on XX/XX/XXXX ' to the credit bureaus and XXXX has responded today that it was verified and accurate. I am confused how three bureaus have inconsistent information but it is still being reported as " accurate '' in a manner that hurts my credit. I have tried everything I can to get this resolved, please help. 






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 Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax, and XXXX : I have pulled my credit report both on your website and XXXX & have found some inaccurate information that requires update and removal of this late payment. I have a new and life changing job opportunity coming up and I know they will pull my credit report, and this false information will hurt me between the XXXX credit bureaus for XX/XX/XXXX, and XX/XX/XXXX. I am not asking for you to go above and beyond for me but I do expect to be treated fairly. It is hard enough to have decent credit as an average XXXX. 


Account Name : XXXX XXXX XXXX, Account Number : XXXX ; This late payment is inconsistent throughout the XXXX credit reporting bureaus making it inaccurate, which is reported as : 30 days late in the month of XXXX to XXXX, 30 days late in the month of XXXX to Equifax, 30 days late in the month of XXXX to XXXX. 

These inconsistencies definitely raise concerns how it can be deemed accurate and verified but different information is being reported across the bureaus. You should be ashamed of yourself for ASSUMING this role and position to constantly cause harm to consumers! These accounts are listed with late or missed payments and that is inconsistent making them inaccurate. It is impossible to be both XXXX and 60 days late in the month of XXXX. The ABOVE listed ACCOUNTS should reflect XXXX LATE PAYMENTS and should be listed as PAYS AS AGREED. Please reverse this late payment for inaccuracy and update to PAYS ON TIME/NEVER LATE. 

It is to be noted that I have attempted to dispute this information before and I am a bit frustrated that it was not corrected at that time ( XX/XX/XXXX ). The bureaus claim they have verified and updated this account, but yet I am still noticing inconsistent information. If it's inconsistent, it's deemed inaccurate right? Everything mentioned above is newly discovered inconsistent information regarding this late payment. XXXX XXXX XXXX XXXX ( XXXX ) made it very clear that it is the XXXX XXXX XXXX XXXX XXXX prove this information to be 100 % correct, not the consumers. Unless I am provided a bank statement proving that I was late- this account must be updated to PAYS ON TIME/NEVER LATE. There should not be a 30 day late payment reflecting ANYWHERE on this account. 


Best Regards, XXXX XXXX