davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-04
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. (MD)

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 : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX 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 2019-10-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NY)

We have tried to fix the problem first with Ocwen Loan Servicing now PHH We applied for a Loan Modification and was approved, and accepted with the understanding that we did not want a Ballon Payment at the end of the Loan.

I have gone through this two times with Ocwen. I received an offer that I decided to take from Ocwen just before the transfer to Ocwen 's new company name PHH. I have tried to get PHH to understand and even faxed to them the offer that Ocwen made to me before the transfer.

I sincerely hope that you can help us make sense out of what is going on with our account now that it is with PHH who claim they have nothing concerning the Modification offer that we decided to take. We don't want to be in foreclosure.

Please help us.

Thank You
Consumer complaint received 2024-10-21
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)

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXXXXXX XXXX XXXXXXXX - XXXX - XX/XX/year> - {$130.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.
Consumer complaint received 2019-10-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

The situation is as follows : Portfolio Recovery Associates, LLC ( PRA LLC ) is  reporting to the credit reporting agencies that I have a debt of {$650.00}. 
The claim is that the seller of the account was XXXX XXXX. I have no record of this account and asked to see validation according to the FCRA. PRA LLC failed to follow the guidelines as to acceptable validation documentation.

PRA LLC provided me with a copy of a bill that I have never seen before.The bill was a incomplete bill as it did not contain lines of itemization in order to see what dates the purchases were made and as to how the amount has been calculated.

I have never entered any contractual agreements with PRA LLC and do not plan to in the future. Again, I do not have any records or recollection of this account.

PRA LLC has stated that it has ended its investigation and that they have established its validity. PRA LLC has not established validity that the stated account belongs to me. 


Regards, Mr . XXXX
Consumer complaint received 2019-10-20
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: EQUIFAX, INC. (NC)

To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX # XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 )  XXXX XXXX # XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA XXXX with {$1000.00} per violation XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.XXXX XXXX  has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Consumer complaint received 2019-10-20
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. (NC)

To Whom It May Concern, The reason for my dispute is XXXX XXXX  XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). 
However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX # XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX XXXX # XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA , with {$1000.00} per violation XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX XXXX is in compliance with OHIO LAW. I  also have report this account to the FTC, and XXXX Police Dept.I need  this collection account to be removed from my credit report.XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Consumer complaint received 2019-10-20
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Financial Data Systems (NC)

I have made contact with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX concerning this debt. I have repeatedly informed them that they were filing the insurance claim with XXXX incorrectly and they refuse to file it correctly. I have made contact with XXXX and was informed that they have not filed the claim correctly and that is the reason why they have not paid the claim. XXXX XXXX XXXX XXXX refuse to file the claim according to XXXX rules and guidelines.
Consumer complaint received 2019-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I had a secured credit card with Fifth Third Bank up until XX/XX/XXXX of last year for whatever reason after making my payment they did not posted to my account XXXX Dad closed my account and kept my {$300.00} security deposit they claimed it covered the fees and close the account and I thought all was good. Then in XX/XX/XXXX I noticed it was reporting late on my credit report and there were fees associated I went through all three credit bureaus and disputed this I later received a letter from Fifth Third and the credit bureau saying that the account was corrected which at the time it was now here we are six months later and they claim over {$300.00} in fees keep in mind this is an account that was secured with my own money not borrowing Theres they made up all these fees and they refuse to do anything about it while they continue to report negatively to my credit on a secured card that was my own money. I have tried multiple times to talk to them with no help what so ever this needs to be removed and closed as these are false charges that fifth third made up as they seem to do often!
Consumer complaint received 2024-10-21
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. (NC)

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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2019-10-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION (WA)

On my sallie mae account it only goes as far as XX/XX/XXXX. When i first started my payments were under 180 dollars. On XX/XX/XXXX my loan states i am now paying XXXX. I had a late charge or XXXX because i did not have the money in my account. On XX/XX/XXXX it was XXXX on XX/XX/XXXX my interest went up XXXX. On XX/XX/XXXX my bill became XXXX. On XX/XX/XXXX i had gone through a major hurricane. I had late payments from being out of a job during the hurricane, when i called multiple times i kept getting the ring around. I would call about their hurricane assistance they posted on their site. I would be told they need to check if it was available for me call back in a week. I would wait 2 weeks. I called 4 times and on the 4th time i was told about a forbearance that would bring my late charges down to XXXX, i had to set my bill on autopay for until XX/XX/XXXX if i missed an auto pay date my over 800 dollar bill would restart and i would owe that 800 somthing dollar bill again. Any time i could not make my bill because it was so high and had late charges i would call and they each time gave me a ring around my problems were never solved. XX/XX/XXXX i had accured interest or XXXX. On XX/XX/XXXX on my document it says amount XXXX, interest ( XXXX ), principle ( XXXX ) each month the interest fluctuates either going up or down. Multiple times this company has not omce helped me out especially after hurricane Micheal that caused me to lose my home and everything. I had no job for months. Currently as of XX/XX/XXXX i owed XXXX, interest ( XXXX ) principle ( XXXX ). XX/XX/XXXX i accured an interest or XXXX. I do not understand why im being charged so much when i can barely make the payments somtimes, and their customer care is no help AT ALL.
Consumer complaint received 2019-10-23
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. (TX)

EXPERIAN IS GIVING ME BOTH THE RUN AROUND AND FALSE INFORMATION. I HAVE SENT 2 VERIFICATION REQUESTS TO ALL OF THE BUREAUS. EXPERIAN CAME BACK THE FIRST TIME REFUSING TO REINVESTIGATE. THE SECOND ROUND IS ATTACHED. THE FIRST PAGE TELLS ME THAT THEY GOT THEIR INFORMATION FROM SOME ORIGINAL AND SOME 3RD PARTY COLLECTORS. THAT IN ITSELF IS ILLEGAL. THAT DID NOT GIVE ME ANY PROOF. THEY DID NOT SHOW ME ANY ORIGINAL SIGNATURES OR NOTHING. I AM ALLOWED TO HAVE A FULL VERIFICATION NOT A GUESS. I THEN NOTICE THAT THEIR BEFORE AND AFTER FIRST REPORTED DATES, FALL OFF THE CREDIT REPORT DATES, ETC. DON'T MATCH. THEY ARE REAGING THIS STUFF. THEY EVEN TOLD ME THAT ONE ACCOUNT WAS DELETED BUT IT IS STILL LISTED. I AM FURIOUS. THIS IS AND HAS AFFECTED MY WAY OF LIFE THROUGH ABILITY TO GET JOBS, CARS, AND HOME OWNERSHIP. I AM SURE THAT I AM IN NO WAY SPECIAL AND MILLIONS OF OTHERS HAVE WRONG INFO ON THEIR CREDIT WITH THE BUREAU REFUSING TO CORRECT IT. THERE ARE THINGS THERE THAT SHOULD HAVE FALLEN OFF LONG AGO. THERE ARE THINGS THERE THAT CAN NOT BE VALIDATED NOR VERIFIED. THEY DID NOT DO A FULL CHECK WITH THE ORIGINAL CREDITOR ONLY AS THE LAW STATES. THEY ALSO HAVE CHANGED DATES OF FIRST REPORT AND EXPECTED FALL OFF. LIES!!!
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Company reports account as a status of charge off/ written off and based on this reported information, I never received proper forms for accurate filing of my taxes. The funds claimed to have been written off is transferred to income per IRS procedure and is still reporting to my credit. That amount is income and violates FCRA guidelines and rules
Consumer complaint received 2019-07-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (SC)

I am officially filing a complaint against Enova International , Inc. d/b/a NetCredit. This corporation is a well disguised, predatory payday/installment loan company taking advantage of individuals in dire financial situations. Customers are lured in with the promise of consumers being able to get access to the credit they need. On their website, they claim that we believe everyone deserves access to credit. Yes, they believe this because they then profit on the disgustingly high interest rates they charge. NetCredit claims they believe our customers come first. This is an outright lie. Enova International , Inc. d/b/a NetCredits bottom-line comes first. Its profit margins come first. It has no care for customers or it would not charge the exorbitant interest rates it does. On its website Enova International , Inc. d/b/a NetCredit makes the claim that they are committed to 100 % customer satisfaction yet it has 62 complaints in the XXXX XXXX XXXX  database with a 1 out of 5 star rating. The majority of these complaints were closed with the customer rejecting the response. A large number of the complaints center on the outrageous, greedy, predatory interest rates charged. Enova International , Inc. d/b/a NetCredit has 378 complaints filed against them in the Consumer Financial Protection Bureau complaint database. The majority of these complaints were closed with the customer rejecting the response. A large number of the complaints center on the outrageous, greedy, predatory interest rates charged. 

On XXXX XX/XX/2017, I took a loan from NetCredit in the amount of {$1200.00}. To date I have made 11 payments at the payment amount of {$100.00} each for a total paid of {$2000.00} plus a check payment of {$100.00} which has not been cashed or applied to my account. 

NetCredit states I still have fourteen more payments of {$100.00} each to make. For a {$1200.00} loan, I will end up paying {$3600.00}, more than THREE TIMES the loan amount!! 

NetCredit has received its {$1200.00} back PLUS {$830.00} in interest. This is a rate of 69 %!!!!! 

The XXXX XXXX XXXX, Federal Trade Commission and Consumer Financial Protection Bureau can not allow this business practice to continue. It is predatory, obscene greed!!! I am making this complaint to appeal to the Better Business Bureau, Federal Trade Commission and Consumer Financial Protection Bureau to do something about these lenders. It is simply inexcusable how they are allowed to operate. 

I want my account reported as Closed/Paid in Full/IN GOOD STANDING. Enova International , Inc. d/b/a NetCredit will dispute this complaint as it does with all complaints filed against them. Disputing the facts of the predatory, greedy business practices does not mean that they are not predatory and greedy. The numbers do not lie.
Consumer complaint received 2019-07-31
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. (PA)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report.
Consumer complaint received 2024-09-04
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)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXXXXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXXXXXX XXXX the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, XXXXXXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXXXXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2024-09-04
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. (TX)

I am reaching out to address an ongoing issue with my credit report. Despite previous attempts to resolve this matter, the inaccurate information remains uncorrected. 

This continued inaccuracy is a clear violation of the Fair Credit Reporting Act ( FCRA ), particularly Section 623 ( a ) ( b ), which requires that consumer reporting agencies maintain the highest possible standards of accuracy. 

I have attached a letter that outlines the errors on my credit report. I urge you to correct this issue immediately to prevent further damage to my credit profile. 

I appreciate your prompt attention to this matter.
Consumer complaint received 2024-09-04
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. (AL)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-07-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BYL Collection Services (NV)

BYL COLLECTIONS SERVICES ( XXXX XXXX XXXX ) reporting a debt owed of {$27.00} is a result of identity theft and has been reported to the FTC and is currently under fraud investigation as I am a victim of Identity theft. This account was has been active and reporting since XX/XX/2016 per my monitoring service. This account does not belong to me.