davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-27
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. (PA)

This account XXXX XXXX Account # XXXX is reporting inaccurately through all credit reporting agencies. This Account has been written off and Charged-off on all three credit bureaus the balance should be reporting a XXXX balance, If the company has written the account off bad debt, the IRS states that this has now become income and income should not be reporting on my credit report. After numerous attempts of disputing with the the Credit reporting agencies and failed thorough investigations I would like to see this account removed from my credit report. In addition to the Credit reporting agencies is reporting inconsistent " date of last activity '' on all three credit reporting agencies. 
XXXX : XX/XX/XXXX Experian : XX/XX/XXXX XXXX The inaccurate reporting is Violating my FCRA rights.
Consumer complaint received 2023-04-27
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. (PA)

I checked again my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Credit limit or original amount {$2800.00} XXXX XXXX XXXX XXXX  Account number XXXX .... 
Date opened XX/XX/XXXX XXXX .... 
Recent balance {$5400.00} as of XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX XXXX Address identification number XXXX XXXX  Account number XXXX .... 
Date opened XX/XX/XXXX Recent balance {$3800.00} as of XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Address identification number XXXX XXXX Account number XXXX .... 
Recent balance {$1700.00} Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Address identification number XXXX XXXX  Account number XXXX .... 
Recent balance {$7300.00} as of XX/XX/XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Address identification number XXXX XXXX  Account number XXXX .... 
Recent balance {$1400.00} as of XX/XX/XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Address identification number XXXXXXXX XXXX XXXX Account number XXXX .... 
Recent balance {$0.00} Date opened XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX Address identification number XXXXXXXX XXXX  XXXX Account number XXXX .... 
Recent balance {$0.00} as of XX/XX/XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX Address identification number XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have a 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, 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 2023-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected rights to privacy and confidentiality under USC 15 USC 1681 Delete All Accounts 1 ). 602 ( A ). Congressional In findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) State I have the right to privacy, accurate and fair reporting.

2 ). 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. A consumer reporting agency can not furnish my account without my written permission Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

3 ) .15 USCc ( a ) ( 5 ) No consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

4 ) 15 USC 1681 S-2 ( a ) ( 1 ). A person shall not furnish any information to any consumer reporting agency if a person knows or has reasonable cause to believe the information is inaccurate.
Consumer complaint received 2024-11-19
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. (NC)

I am writing to notify you that I am a victim of a data breach, and as a result, an unauthorized account has appeared on my credit report. Pursuant to my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the following fraudulent account. 
Fraudulent Account to Be Deleted : Creditor : XXXX  Account Number : XXXX Date Opened : XX/XX/year> Balance : {$3200.00}
Consumer complaint received 2023-03-15
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (OH)

The deceptive accounts that have been previously disputed are still in my credit report.These should have been removed then because these are unproven and no documentation provided. I would like to remind you that the law never allows errors to be part of the file. Also, continued reporting of unverified accounts is punishable and may ruin your reputation. This letter serves as my formal appeal for investigation and correction of the undesirable accounts which are actually lowering my credit score. The accounts I am referring to are listed below : Account name : XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX Account type : Credit Card Account name XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Account type : Business Credit Card Account name : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Account type : Unsecured Loan Account name : XXXX XXXX I Account number : XXXX Date opened : XX/XX/XXXX Account type : Debt Buyer Account name : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Account type : Debt Buyer Account name : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Account type : Debt Buyer Account name : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Account type : Debt Buyer Account name : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Account type : Debt Buyer Account name : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Account type : Debt Buyer Account name : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Account type : Collection Account name : NXXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Account type : Collection NOTE THAT, YOU HAVE THIRTY DAYS GIVEN BY LAW FOR YOU TO COMPLETE THIS DISPUTE AND PROVIDE ME WITH THE RESULTS.An improved credit report is anticipated to take place after your investigation is done. Please grant my request and I am hoping that you will take prompt action regarding this issue. I am expecting to receive an updated report as soon as possible.
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting TRANSUNION has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
On top of that, The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D is also being violated because after multiple disputes the unverified inaccurate items are still illegally reporting to my credit report.
Consumer complaint received 2016-04-05
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Onity Group Inc. (CA)

on XXXX XXXX, 2015 our XXXX mortgage with Ocwen was cancelled as part of a Chapter XXXX that has since been dismissed. Ocwen did NOT notify our county with the reconveyance that the XXXX mortgage was satisfied. On XXXX XXXX we had the closing scheduled on the sale of our home and our title company let us know that the XXXX mortgage was not released according to our county. The gentleman that was going to purchase our home has cancelled. We are in the process of working with another family and they are paying cash and want to close quickly, we have put a down payment on a new home in another state and we must close by XXXX XXXX or we will lose our deposit. I was supposed to start a new job in NY today, obviously I did not. I have spoken with people from OCWEN everyday since XXXX XXXX, I have emailed, cried, begged, left messages, and I got nothing. I offered to pay for overnight service, nothing. I have asked them to forward the document directly to me and not the county, as our title company can file it the day I receive it and the closing will be quick. I am begging for help, we do n't want to lose the home we are trying to purchase, but without the closing, we can not purchase our new home. We do n't want to lose yet another buyer because we do n't have that document. I will forward the IRS cancellation of debt statements. OCWEN is not in disagreement that it is a XXXX balance, they just wont process the document we need to sell our home. Any help is greatly appreciated. thank you, XXXX and XXXX XXXX
Consumer complaint received 2024-10-15
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. (PA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account.This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-02-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Bureaus, Inc. (NC)

I have written 3 debt validations letter to this company and they have not followed up with validating the debt. They repeatedly sent me information about the alleged debt but nothing that verified the debt was mine bearing my signature. Letters were sent on XX/XX/2020, XX/XX/2020 and XX/XX/2020. I sent all letters through certified mail. I have documentation that the letters were received. Please delete this information from my credit file and cease all collection activities immediately.
Consumer complaint received 2015-12-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NY)

Thank you for allowing me to tell you my problem. I had my mortgage with Ocwen Loan Servicing LLC . I was given a non hamp modification. The payment was {$2000.00} and the first payment was due on XXXX XXXX, XXXX. I made my payments. I met with my Homeowner Counselor, XXXX XXXX of XXXX formerly know as XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX and advised her that my payment to Ocwen had gone back to what I paid before the modification, which was {$2500.00}. She called Ocwen and was advised that the modification was still pending because they were waiting to title clearance. I sent the payment and on XXXX XXXX, XXXX, I called my counselor and she called Ocwen. I now owed {$5800.00} so they said and they would send me out another modification package. The advised me that the modification was still pending a title clearance. I sent in another package in XXXX, XXXX. My counselor called Ocwen on XXXX XXXX, XXXX and spoke to XXXX # XXXX and he advised that my file was under review ; however, he now showed that I was approved for another trial starting XXXX XXXX and ending XXXX XXXX, XXXX. The payment would now be {$2000.00}. Please know that I continued to pay the old payment of {$2000.00} until XXXX XXXX and then made the {$2000.00} payment. I made several payments and then it changed back to {$2000.00}. I had not advised my counselor and continued with the {$2000.00}. In XXXX, XXXX, I contacted my counselor and advised her that Ocwen said that I am now 1 month behind. On my mortgage statement for XXXX XXXX, XXXX, it was recorded that I send {$1900.00}, which I sent. I had my counselor call Ocwen and she spoke to my specialist, XXXX. XXXX advised her that my loan was permanently modified on XXXX XXXX, XXXX. When she asked XXXX about me being one month behind, XXXX told her that there was an error on Ocwen 's part and that the payment will be updated to reflect that I was up to date. Ocwen has given me and my counselor so many mixed messages. 
My account was transferred to XXXX. In XXXX, my counselor spoke to XXXX XXXX and was advised that my payment was now {$2000.00}. It had gone up by approximately {$10.00} citing escrow change. I continued to make my payments and in XXXX, the recording stated that I owed since XXXX. These folks were taking the money out of my account automatically. Again I was advised that I was one month behind and whatever payments that were deducted, were applied for the previous month. My counselor asked to get a payment history from Ocwen and when they did, it showed that I was one month behind. Ocwen never cleared their records before the transfer. I am writing you because I am not behind and Ocwen should of had this corrected. I also wrote to XXXX ' Correspondence Department because they advised me that they will do an in depth search. Originally, when my loan was transferred, they never received all the documents from Ocwen. Please assist me.
Consumer complaint received 2024-11-19
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. (FL)

I am writing as a victim of a data breach and subsequent identity theft, and I am formally requesting that you block and delete all unauthorized accounts and inquiries listed below from my credit report pursuant to 15 USC 1681c-2 ( a ) and Section 605 ( b ) of the Fair Credit Reporting Act ( FCRA ). 
These accounts and inquiries are fraudulent and were opened or made without my knowledge or consent. I request your immediate attention to investigate and take the appropriate actions to ensure these are removed from my credit file. 
Fraudulent Accounts 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 - {$1500.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$640.00} XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$89.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$590.00} XXXX. XXXX  - XXXX - XX/XX/XXXX - {$93.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$100.00} XXXX. UNAUTHORIZED COLLECTION - XXXX - XX/XX/XXXX - {$89.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$1600.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$14000.00} Fraudulent Inquiries 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 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 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 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 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
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2023-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: AmerAssist A/R Solutions, Inc. (NY)

I settled with Amerasisst AR Solutions in XX/XX/2022, which the understanding this was be reported on my credit report as " resolved '' with a XXXX-balance, but now they have reported this settlement as a Public Record on my credit report, with my credit score plummeting, AND reported as a Collection/Charge-Off. My understanding is XXXX can only report Bankruptcies as Public Record, not settlements. AND that companies can not double-report both as a charge-off and a public record. 

In this instance, settling with the company has not increased my credit score, it has made a significant drop in my credit score by actually settling a debt with a company. This is unfair and counter to logic..and it certainly doesn't encourage me to settle debts/accounts in the future if it will only make my credit score lower.
Consumer complaint received 2023-03-15
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. (LA)

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 filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2020-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Hello, XXXX XXXX XXXX has recently been involved in a $ XXXX Car loan settlement. I know that I am a part of this settlement and would like to move forward with receiving my title for my XXXX XXXX XXXX XXXX. I got this car back in XXXX when I was making {$12.00} an hour. My original loan amount was {$13000.00} at the time. Currently I have monthly payments of {$300.00}. Looking back I definitely was taking advantage of because I could not afford that loan at that moment. At that time I was making my payments on time and XXXX was reporting my loan as late and delinquent when I was not. I have a lot of late payment on my account that are not accurate and is causing my credit score to drop. I am not able to get approved for anything like a home loan because of these delinquent late payments that are on my account. To resolve this issue I would like XXXX to hand over my title and pay out my auto loan in full. Also delete completely of my credit report. I have had numerous issues with this company not reporting on time with my credit report. Also XXXX has deleted good on time payments dated back to XXXX and XXXX for no reason. I have called XXXX numerous of times and they have not done anything to resolve this issue. I have also sent out dispute letters to them and they always come back with telling me that everything is accurate when I know its not. I would really like this issue resolved as soon as possible.