davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MA)

I have disputed XXXX XXXX accounts on my credit report which were taken out fraudulently, without my consent, by a family member. I have disputed this with XXXX XXXX and Experian. 

I provided them all of the documentation as is required by the FCRA and they have failed to block the XXXX XXXX accounts from my credit report. 

Experian provided me dispute results, which is still " pending '' with regard to the XXXX XXXX accounts. Separately, however, they have provided no information as to the status of these accounts being blocked from my report as I have complied with the FCRA by providing a police report ; identity theft report ; proof of identity ( in addition to documentation they requested ( bank statement ; social security number ; full name ; address history within the past XXXX years ; driver 's license ; statement describing the identity theft ). 

Because XXXX  XXXX continues to allege the accounts are mine ( despite the fact that they were taken out under a phone number that does not belong to me and the only reason that phone number exists on my credit report is due to the fraudulent accounts being taken out in my name ), I would like Experian to block these accounts from my credit report as I have complied with their requirements and the FCRA.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

I have a loan from this company on my credit report, and I have never gotten a loan from them. I believe it is identity theft. I contacted them by phone 3 times. The first time they gave me a number to a sales company. The second time they hung up on me when I told them this was not my account. The third time they hung up on me when I requested proof of the loan in my name, as I have never gotten a loan. I called a XXXX time and couldnt get through to anyone. I disputed this on my credit report, and they verified it is mine. So I am trying to get all the proof I can of this loan so I can dispute again, and file for identity theft. I will be filing a police report today.
Consumer complaint received 2023-08-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TX)

I received a call from Pro-collect stating I have an unpaid balance of {$12.00} that was sent to collections from XX/XX/2021 with XXXX XXXX and that I needed to pay it over the phone or via XXXX by the end of the day. They told me to go onto procollect.com to verify that account information, however the number that was given did not fit their form XXXX. 

I then called XXXX and they did not have me as a previous account holder, but did indicate they work with procollect. The only energy account I had at the time was XXXX XXXX and they are no longer in business. I have never been late on a payment and therefore I just want to verify if it is real or fraud to clear it up. 

Pro-collect phone number : XXXX
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

I have in the past months attempted to reach out XXXX in hopes of getting these inaccurate inquiries removed - and their representative has responded that they will be removed yet to this day, they appear in my credit report and it is damaging my scores in ways you can not imagine.
Consumer complaint received 2023-08-31
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

Previous lender ( XXXX loan # XXXX ) coincidentally sold my loan to Carrington mortgages which I've tried for 3 weeks relating I'm currently enrolled in a disaster relief program and are telling me I'm not in forbearance rather in foreclosure. This was not what was related to me from previous lender. I contacted XXXX who has assured to me the new lender must honor and continue the assistance provided keeping all the same terms and agreements that I currently have. I was made a mockery of, insulted, and told demeaning comments in an extremely unprofessional and hurtful manner by XXXX at Carrington. XXXX transferred me to her supervisor XXXX XXXX who also offered no help other than to fax any supporting documents to a research team that wont address the matter for 60 days. This all seems very methodical to cover themselves during RESPA duration telling me they can not service my account until after the period has passed. Once the time has passed I will be out of forbearance designed to help/assist me but in fact is creating additional hardships increasing more risks adding further penalties escalating the consequences that I may never recover from and possibly losing my house. This seems strategic and should not be allowed, I'd think it would be illegal if I'm to be honest. Assistance should be exactly what it means, both Carrington and XXXX are in cahoots avoiding any and all liability since they can not technically service my loan. These loopholes are creating further hardships for those in need and are being promised aid/assistance. I will circumstantially be at more risk if this is allowed.
Consumer complaint received 2023-09-22
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. (NC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX/XXXX  XXXX Balance : {$3700.00} ; XXXX XXXX XXXX Balance : {$840.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$920.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$780.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance XXXX {$0.00}.
Consumer complaint received 2023-09-22
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. (MO)

I am writing to formally lodge a complaint regarding the presence of fraudulent items on my credit report. Specifically, I have identified inaccurately reported addresses and unauthorized inquiries that are adversely impacting my creditworthiness and causing significant concern. This letter serves as a formal request for the immediate removal and correction of these erroneous entries. 

The fraudulent items on my credit report are as follows : Inaccurate Addresses ; XXXX 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. 

I dispute the accuracy of these addresses as they are not associated with me in any way. It is crucial to maintain the correct address information on my credit report to prevent any potential identity theft or fraudulent activity. 

Unauthorized Inquiries : 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 

I have not authorized any of the above-listed inquiries, and their presence on my credit report is of great concern to me. Unauthorized inquiries can negatively impact my credit score and suggest potential fraudulent activity. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is accurate, complete, and free from inaccuracies. The presence of these fraudulent items not only violates the FCRA but also poses a risk to my financial security and creditworthiness. 

I kindly request that your agency conducts a prompt and thorough investigation into these fraudulent items, including the inaccurate addresses and unauthorized inquiries. It is imperative that you take immediate action to correct these errors and ensure that my credit report accurately reflects my financial history. 

Additionally, I request that you notify all the credit reporting agencies to which you have provided this erroneous information to prevent the continued dissemination of these inaccuracies. 

I expect your agency to prioritize this matter and provide a written response within the legally mandated 30-day timeframe, confirming the removal and correction of the fraudulent items from my credit report.
Consumer complaint received 2023-09-22
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. (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 ( XXXX ) 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 XXXX FTC and my Attorney General.
Consumer complaint received 2023-09-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: LoanCare, LLC (GA)

See attached docs for dates. I am owed {$420.00} from escrow from 2019. They sent this letter to my old address and luckily the guy who bought my house called me and sent it to me. I have reached out via email and phone number to try and resolve this matter and I sent the letter via mail back to loancare. They have not done anything about this and I have received no response over a month later. They are scamming people and withholding funds due to customers with no interest paid.
Consumer complaint received 2023-09-22
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)

A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete this account : XXXX XXXXXXXX
Consumer complaint received 2023-08-31
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. (OH)

this is my second dispute regarding accounts on my credit report that does not belong to me i have a legal right to dispute anything on my credit report that does not belong to me and these companies listed below are in violation of FDCPA, XXXX, XXXX, XXXX : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5300.00}
Consumer complaint received 2023-08-31
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. (OH)

this is my second dispute regarding accounts on my credit report that does not belong to me i have a legal right to dispute anything on my credit report that does not belong to me and these companies listed below are in violation of FDCPA, 609, 611, 608 : -XXXX XXXX XXXX # XXXX XXXX XXXX XXXX . # XXXX {$150.00} -XXXX XXXX XXXX # XXXX {$5300.00}
Consumer complaint received 2023-09-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX : {$4100.00}
Consumer complaint received 2023-08-31
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I filed a identity theft dispute and submitted the paperwork to the credit reporting agencies. They have not attached these documents to the dispute and have not sent me copies of the verification process. The dispute process is not being followed correctly per the FCRA. 

These are the accounts : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-20
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)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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 2023-08-31
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. (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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, 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 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 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-08-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Consumer Reporting Agency : XXXX is furnishing inaccurate information that violates my consumer rights under the FCRA. See Violation of FCRA below : Account Name : XXXX XXXX XXXX, Account Number : XXXX .... 
Original Creditor : XXXX XXXX  XXXX Late Payment : 30 days ( XX/XX/2018 ) - Violates FCRA 15 U.S.C 1681-S ( 2 ) ( 7 ) ( A ) ( I ) because financial institution did not provide a notice of such furnishing of " negative information '', in writing, to the customer 30 days prior or after the furnishing of " Negative Information '' on my consumer report. This is a clear violation of the FAIR CREDIT REPORTING ACT. The " Willful Noncompliance '' of XXXX has caused me damages to my character, capacity and reputation.
Consumer complaint received 2023-08-31
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. (CA)

I filed a identity theft dispute and submitted the paperwork to the credit reporting agencies. They have not attached these documents to the dispute and have not sent me copies of the verification process. The dispute process is not being followed correctly per the FCRA. 

These are the accounts : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

On XXXX XXXX checked credit reports. It was shown that my former lender erroneously/falsely reported to the bureaus a late payment on XX/XX/XXXX. I emailed them and shared the reports and they have indicated they have relayed this to the credit division. Im going through a heloc process and this is impacting my credit score.
Consumer complaint received 2023-09-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX