davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-19
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)

After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. 

Don't close this complaint with a reason that I need to prove my identity because all necessary documents are all attached on the letters!
Consumer complaint received 2023-10-19
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. (FL)

Despite my previous attempts to rectify this matter, it seems that my concerns have not received the attention they deserve. The ongoing presence of this fraudulent accounts on my credit report is causing significant harm to my financial standing and reputation, and I implore you to take immediate action to address this situation. 
Account Details : XXXX XXXX XXXX and XXXX XXXX XXXX This situation not only violates my rights as a consumer but also raises serious questions about the effectiveness of the credit reporting process. I understand that credit bureaus have a responsibility to ensure that the information they provide is accurate and up-to-date. The presence of a fraudulent accounts on my credit report not only damages my financial standing but also erodes my trust in the credit reporting system as a whole.
Consumer complaint received 2023-10-19
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. (TX)

I hope this note finds you well. I'm reaching out because I've noticed something weird with my credit report. For my account : Account Name : XXXX XXXX XXXX Account Number : XXXX The account referenced above is fraudulent and does not belong to me ; XXXX XXXX XXXX XXXX The contract that was signed holds the signature of an individual by the name of " XXXX XXXX XXXX . '' Please cite the documentation uploaded to verify this as well as my driver 's license. The signature on the contract and my license do not match. I'm 100 % sure that this was a fraudulent act committed against me. 

I'd also like to bring to your attention that all the names referencing this account are different across all three reporting agencies along with the payment history. 

Thanks a bunch for looking into this. I'm looking forward to getting my credit report fixed up right.
Consumer complaint received 2023-10-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP (MN)

After opening my online savings account at Laurel Road I have been on the phone with them every day since funding the account. Upon funding the account the account was immediately frozen with no time line for resolution. Laurel Roads explanation is that they are investigating me for suspicious or fraudulent funding sources. Every representative at Laurel Road that I speak to gives me a different set of instructions or requests different information to verify my account including requests for sensitive information regarding the funding source. If funding sources need to be verified they should be verified prior to taking my money and freezing it in an account I no longer have access to. A simple way to verify a funding source legitimacy that other financial organizations utilize is to send one or two small deposits to that account and then have the legitimate account holder verify those amounts. Taking and holding the funds for an extended period of time with no resolution or being willing to send the funds back to original source if Laurel Road is not comfortable with verification methods available to them is wrong and inappropriately ties up my access to my accounts and funds.
Consumer complaint received 2024-10-09
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. (FL)

Request for Reinvestigation XXXX, Number : XXXX Dear CFPB, I am writing to formally request a reinvestigation regarding XXXX late payment records associated with my account number XXXX for the months of XXXX and XX/XX/XXXX. Under the XXXX XXXX, all accounts must be reported as " paid as agreed '' from XX/XX/XXXX through XX/XX/XXXX. I kindly ask that you ensure this account is updated to reflect my payment history accurately or that you delete the erroneous late payment records. Thank you for your attention to this matter. I look forward to your prompt response. Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2023-10-19
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: EQUIFAX, INC. (FL)

This is getting ridiculous and its extremely annoying that you guys keeping the following items on my credit report. And You are violating my rights! by reporting these accounts on my report. 
XXXX XXXX XXXX  FOR {$3100.00} OPENED XX/XX/2023 '' All the other Credit reporting agencies have removed them, but you guys refuse to do so. 
I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I hereby authorize you to take whatever steps are necessary to correct my credit. Please send me physical proof of any actions taken on my behalf. I appreciate your help in making sure my credit is in good standing.
Consumer complaint received 2024-10-09
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. (FL)

Request for Reinvestigation XXXX, Number : XXXX Dear CFPB, I am writing to formally request a reinvestigation regarding XXXX late payment records associated with my account number XXXX for the months of XXXX and XX/XX/XXXX. Under the CARES Act, all accounts must be reported as " paid as agreed '' from XX/XX/XXXX through XX/XX/XXXX. I kindly ask that you ensure this account is updated to reflect my payment history accurately or that you delete the erroneous late payment records. Thank you for your attention to this matter. I look forward to your prompt response. Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (DE)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-10-20
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)

This is my several requests that I have been a victim of identity theft and that no one seems to care, that I want to dispute certain records in my credit file that do not belong to me, or that I have signed any agreement. The things I'm opposing have nothing to do with any transactions I've carried out or approved in order to obtain goods, services, or money. Please take out the following itemsXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ; MI XXXX XXXX XXXX Balance : {$5300.00} ; XXXX XXXX XXXXXXXX Balance : {$44000.00} ; XXXX XXXX XXXX XXXX : {$11000.00} XXXX XXXX XXXX XXXX Balance : {$280.00} ; MI XXXX XXXX XXXX Balance : {$5500.00} ; STATE OF MI OFFICE CHI XXXX Balance : {$0.00} ; STATE OF MI OFFICE CHI XXXX Balance : {$4400.00} ; XXXX XXXX  XXXX XXXX : {$390.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$2800.00} ; XXXX XXXXXXXX Balance : {$4500.00} ; XXXX XXXX Balance : {$5600.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$790.00} ; 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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-09
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. (TX)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Advanced Resolution Services Inc. (FL)

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above.

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. You are violating my rights! The reports are not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.
Consumer complaint received 2023-10-18
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. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX which falls under trafficking according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following account : XXXX XXXX Account number : XXXX XXXX XXXX : {$760.00}
Consumer complaint received 2023-09-21
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. (NY)

Despite my repeated efforts to rectify this situation, it has become painfully evident that your organization either lacks the ability or the will to correct this glaring issue. 
I initially brought to your attention the existence of fraudulent accounts associated with my name and social security number. Since then, I have submitted multiple dispute letters, along with all the required documentation, including a copy of my driver 's license, an identity theft report filed, and any other evidence I could muster to prove my case. To my astonishment, my pleas for assistance have fallen on deaf ears, and the fraudulent accounts persist with impunity. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX .... 
This ongoing debacle has wreaked havoc on my life, making it virtually impossible for me to secure credit, obtain reasonable interest rates, or pursue my financial goals. I am forced to question whether your agency is more interested in protecting fraudulent creditors than it is in upholding the Fair Credit Reporting Act and the rights of consumers.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

Company continues to provide inaccurate information without providing validation of information. Company does not have my written consent to provide said inaccurate information to creditors. Please immediately provide complete credit report in compliance with 15 U.S.C.1681c-2,15U.S.C 1681 ( b ) ( 2 ), 15 U.S.C.1618 ( a ) ( 1 ), 15 U.S.C.1601, FCRA 604 ( C ), AND ALL APPLICABLE CREDIT LAWS.
Consumer complaint received 2023-10-18
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. (NC)

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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I sent dispute letters to XXXX, Trans Union and XXXX on XX/XX/ for validation. I also dispute with these companies online directly. These companies violated federal law 15 USC 1681 ( A ) ( 2 ) ( i ), 15 USC 1666 ( B ) and 15 USC 1692 ( G ). I also requested that these abusive, deceptive and unfair debt collections, charge offs and late payments are removed immediately.
Consumer complaint received 2023-10-18
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I have been continuously receiving calls from Portfolio Recovery. In just this past week, they have contacted me twice in an attempt to collect an alleged debt. I have responded to their calls, kindly asking them to cease calling, as their calls are disruptive while I am at work. I have urged them to stop. However, they persist. 

Upon reviewing my consumer report, I have noticed that they are reporting inaccurate information, which is causing significant disruption to my consumer report and the quality of my life. My credit score has experienced a substantial drop as a result. As of XXXX, on XX/XX/2023, they are reporting that I allegedly owe {$720.00} on my consumer report. This alleged debt is falsely reporting as a collection on both my XXXX and XXXX reports. In addtion there are iinaccuracies with the way the creditor is reporting. My XXXX consumer report is reporting the collection under the name Portfolio Recovery with an open balance of {$720.00} openend on XXXX on my XXXX Consumer report, the alleged debt is repoerting on my consumer report as Portfolio Recovery A, so two different companies reporting the same amount is not right. 

I am choosing not to engage in discussions with them, primarily because I am uncertain about how they obtained my personal information. 

I would like to resolve this situation amicably and fairly, and I kindly request your assistance in achieving this outcome. 

Portfolio Recovery seems to be violating my rights as a consumer in accordance to the consumer credit laws. 

XXXX. They are in violation of 15 Us Code 1692d- harassment by calling my personal phone number whilist I am in the middle of my work day, casuing mulptile disruptions throughout my work week.

2.They are in violation of 15 U.S. Code 1692 ( g ) As I have not received any validation of debt to prove I owe this alleged debt to Portfolio Recovery Associates .

3.What they are doing I will be filing an FTC report and submitting as this is identity theft. I never once gave consent to verbally or written for them to report this transaction that is currentl showing on my consumer report.
Consumer complaint received 2019-07-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (FL)

I am the daughter of a XXXX veteran. I moved back to my home state around XX/XX/XXXX to care for my Father during his illness. After his death on XX/XX/XXXX, I was appointed as the Personal Representative for the estate. 

The insurance cancelled around XX/XX/XXXX and PHH forced-placed insurance on the residence during hurricane season. Subsequent to that two major hurricanes occurred back to back causing damage to the residence. Subsequent to that I sustained a work injury that left me unable to return to work. In the interim while I was awaiting adjudication of workers compensation claim, PHH denied assistance to help avoid foreclosure, initiated foreclosure during review of loan modification and failed to properly process application for loan modification as the successor in interest.

I am writing to report the illegal wrongful fraudulent foreclosure by PHH Mortgage Corp on XX/XX/XXXX, the misconduct regarding servicing and foreclosure practices, poor servicing practices, predatory lending, improper records practice, not correctly following lending laws, errors in documents and mortgage servicing fraud. PHH denied assistance to help avoid foreclosure, failed to correct notice of errors on their records that was identified, failed to process loan modification and unprocessed loan modification. I will followup with additional information to documenting dates and time of events. I am asking for a review of this mortgage foreclose.