davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-03
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. (PA)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report.

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items.

The identity of the entity or entities responsible for conducting the verification process.

Any documentation or evidence used to substantiate the accuracy of the disputed items.

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-09-03
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. (LA)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2016-01-19
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (LA)

I was unable to make payments due to medical crisis in my family and on XXXX/XXXX/XXXX I made a payment arrangement with Spring Leaf to make {$50.00} one time payment and {$70.00} thereafter till I am able make the full monthly payment beginning XXXX XXXX. I have been paying as agreed but Spring Leaf is sending Sheriff to harass my family -- my husband recovering from XXXX and our daughter with XXXX challenge. When I called them to ask why, they said if I do n't want the Sheriff at my door, I should go to the Sheriff office to sign some papers! 
See attached fax cover of hardship request I made for the payment arrangement and my bank activity showing my payments.
Consumer complaint received 2024-09-03
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. (NC)

On XX/XX/2024, a mass data breach and my social security number was impacted along with XXXX XXXX XXXX XXXX and victims. I am invoking XXXX XXXX XXXX for my social security number being stolen and hacked for unusual purposes that prevented me from getting a home loan on XX/XX/2024. Ive been trying to get paperwork from the companies below to state my innocence but to no avail. Listed below are the private information exposed and used against me. Hence me invoking my right on XXXX XXXX XXXX. 

Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX 
Original Creditor Name XXXX XXXX  XXXX XXXX XX/XX/2024 Amount : {$97.00} Collection Agency XXXX XXXX XXXX Original Creditor Name XXXX XX/XX/2024 Amount : {$230.00} XXXX Department of Education XXXX XXXX XXXX : XX/XX/2024 Amount : {$32000.00}
Consumer complaint received 2016-04-01
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I opened a Spirit Airlines credit card ( Bank of America ) while being promised free miles. I received only a fraction of the miles promised. 
I was charged an annual fee and called asking them to cancel the fee since they did not deliver on their part of the contract. They refused to cancel it.
Consumer complaint received 2015-11-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I received a letter documenting that my mortgage with Bank of America was being sold to XXXX, XXXX. The change was to be effective on XXXX/XXXX/15. The letter from BOA was received on XXXX. I have still not received anything from XXXX, XXXX claiming that they are the new loan holder. According to research they must notify me in writing no later than 15 days before the sale occurs. This time has passed. I want to contest the sale of my mortgage based on what I have learned about XXXX. I ca n't find anything good about them anywhere.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX  Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX
Consumer complaint received 2024-11-22
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. (GA)

I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal infomation made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!
Consumer complaint received 2015-09-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BB&T CORPORATION (MD)

In 2014, my business, as I am XXXX, had a downturn in gross income. The decline in income was temporary as my business is strong, but I lost personal income and fell behind in my mortgage for three months. I explained the circumstances, and asked my bank BB & T to help me with a deferment and modification as my interest rate is 5.75 %. As I am XXXX, my income was not high enough, to refinance, get a deferment, get a modification, and they suggested I sell my home. If I had not come up with the money that was owed, and the late payments that accrued, I would have lost my house. I am in the XXXX, and I can tell you, they were quick to turn on me, and begin foreclosure proceedings. BB & T fraudulently appraised my house {$200000.00} less than it is worth. I was surprised at the quickness that their resolution to me was to sell the house in a short sale. My house is worth, {$580000.00} they said it was worth {$380000.00}. As i look through title work daily, XXXX, I wonder how many people, who were unable to understand the process, and do not have the means to fight the banks, have lost their homes. I see foreclosures daily in my work, and hope that I may avoid this same scenario in the future by being proactive and speaking out about the banks unfair practices, especially toward the self employed. BB & T bank, if they would have just refinanced my rate, would have allowed me to save monthly. The bank, if they would have put the money I was late on, at the back end of my loan, modified the loan, I would have benefited. But they were not interested in helping me. BB & T would rather own my property like the many bank owned real estate inventories rising in America by pushing the little guy aside, throwing us all out on the street, and out of our homes.
Consumer complaint received 2015-07-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have some accounts that are not mine that are reporting these are fraudulent accounts the accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX i have filed a police report XXXX pd report number XXXX Officer 's name XXXX badge # XXXX i have also filed a notarized ftc id theft affidavit these accounts have yet to be rmoved as they are a result of id theft
Consumer complaint received 2015-11-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I sent updated information to all three of the credit bureaus with a returned letter updating the information to an inaccurate reporting. This is done intentionally by a insiders in the credit bureaus '. Please review the letter sent to all three credit bureaus ' requesting info be updated below.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2015-09-29
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

I was contacted by a person who claimed that I had won {$2.00} XXXX in a drawing. The person informed that to claim my prize, I would be required to send {$1800.00} USD as an advance on US income taxes owed on the prize money. The caller requested that I send the money via Walmart money-gram transfer. The caller specified that the funds should be sent in XXXX phases : XXXX for {$1000.00} and the other for {$850.00} and that each should be sent from XXXX different Walmart locations. 
The caller also requested that I keep the winnings secret from everybody so that others will not harass me for a share of the winnings. 
As I became more skeptical of the prize, I requested that the caller provide me with written confirmation of my prize. The caller then e-mailed me what appeared to be valid documentation from XXXX XXXX XXXX indicating that I had in fact won a prize. 
Based upon that information, I wired the first {$1000.00} to the caller in XXXX. I attempted to wire the second portion for {$850.00}, but the employees at Walmart strongly recommended that I not send the money. I complied with their advice and did not send the second installment. 
When I informed the caller ( " XXXX XXXX '' ) he became angry with me and informed me that I should have told the employees at Walmart that the reason for the transfer was none of their business and that I should have insisted on them completing the transfer. " XXXX XXXX '' informed me that without the advance payment on the taxes owed, I could not hope to collect my prize of {$2.00} XXXX. 
I also noted that the " documentation '' e-mailed to me indicated that the taxes due would be {$25000.00} USD. 
I subsequently sought the opinion of my tax advisor on this matter. He reviewed my documentation and recollection of events and informed that it was his opinion that I was the victim of fraud. 
The next day, the caller, " XXXX XXXX '' called to inform me that I would need to transfer, bank-to-bank, {$25000.00} to complete the required advancement of the taxes owed. 
When I informed my tax advisor of this new request, he stated that he would like to be present when " XXXX XXXX '' telephoned. 
The next day when " XXXX XXXX '' called, my tax advisor answered the phone. XXXX XXXX immediately hung-up and then called back about XXXX seconds later. On the second call, I answered and XXXX XXXX wanted to know if anyone else was present. I informed him that my tax advisor was present with me. When my tax advisor confronted XXXX XXXX about the fraud, XXXX XXXX became angry and demanded to know my tax advisor 's name and stated that he would come over and have him fired from his job. 
Over the next hour or so, XXXX XXXX repeatedly called my phone to harass and insult me for informing a third party of this transaction. 
I now understand the fraud that has been perpetuated upon me, and my hope is to inform others of the methods used by the fraudsters in their attempts to steal money from unsuspecting elders.
Consumer complaint received 2015-07-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (PA)

Well in XXXX I purchased a loan from Homcomings Bank all was well never had one issue. Then in XXXX my loan was sold with out my knowledge to Gmac and thats where all the problems began. Payments were n't either applied to my account or were applied only to my escrow etc. I would call and complain and they would see they would handle it. Then these extra charges began to show up on my account and I would call and exspect the problem to be resolved but it never would. Then in XXXX my account once again was sold to a nonbank mortage company OCWEN. And the problems have just gotten worse number one every single time you call there is a person who doesnt speak XXXX and has no idea to what the heck is going on. So then we began talking by email. Then they requested we sent them are orginal documents. Number one should they already have all that? " Correct '' After that about month letter they sent us documents with there logo and some print out of the account payments from begining to end. How still owe XXXX on a {$15000.00} loan. XXXX Here the funny thing in XXXX my account was paid down to XXXX and all I have paid in XXXX is XXXX when I have made {$260.00} to {$300.00} a month payments. The documents they have sent saying I had a ballon account from the get go. The documents they sent do not match my documents. Its almost like they have cut my signuture out Pasted it to there papers. And trust me that can very easy be done. I saw other complaints against this company and they are all basically the same as i am Experiencing now. Someone needs to do something this is just crazy ... ... .PLEASE DO SOMETHING as well they have returned all my payments from XXXX on of this year and they took payment in XXXX, XXXX and then in XXXX they returned all the payments in XXXX weeks of cashing them. And been sending forclosing letters etc. What in the heck is wrong with these people?
Consumer complaint received 2024-09-03
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. (NC)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-09-03
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. (GA)

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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries.

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 crimes which antedates the report by more than seven years.

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 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I am requesting the removal of the late payment currently reflected in my credit report. This late payment record is negatively impacting my credit standing, and I believe it should be removed due to the circumstances explained below. 


I trust that the necessary steps will be taken to correct this error and ensure my credit report accurately reflects my payment history. I request written confirmation once the late payment has been removed from my credit report.
Consumer complaint received 2024-09-03
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. (GA)

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. 

Account Name : SUNRISECRED Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 crimes which antedates the report by more than seven years.

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 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I was a victim of ID theft and noticed several credit card accounts on my credit, I did not apply for nor authorized. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-03
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. (NY)

This is numerous requests to tell you that I am a victim of identity theft, and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (PA)

I am trying to freeze my credit report at Equifax, due to the recent breach of US social security numbers. I have already received notifications from my internet security firm that my SS # has been found on a number of dark web sites. 

My efforts to freeze my Equifax account started on XX/XX/year>. I have tried to create a user account on their website and through a phone app, so that I could freeze my account. What I encountered has been the experience of others on internet forums who can not extablish accounts on Equiax either. 

On the website, they took my information and when I clicked on create account, I am told that their servers are not availale. I have tried many times over the last few days. 

Today I tried by downloading the Equifax app Lock & Alert. Again I entered my info several times and can not get my account verified. Therefore, I can not freeze my credit report. 

I should note that I was able to freeze my reports on XXXX and XXXX without the drama I experienced with Equifax. 

I tried calling customer support and was put on hold endlessly without anyone answering. This is unacceptable behavior from a major credit reporting firm.
Consumer complaint received 2024-09-03
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. (CA)

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT in accordance with FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 


XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$6500.00} XXXXXXXX XXXX XXXXXXXX Balance : {$6000.00XXXX XXXX XXXX XXXX Balance : {$16000.00}