davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (OH)

I have been providing proof to Experian that I have no Bankruptcy, XXXX XXXX has given me proof to show to Experian that a Bankruptcy doesn't exist. XXXX XXXX checked PACER and found no Bankruptcy, PACER is a service that provides public access to federal court records and furthermore I was given a letter from the UNITED STATES BANKRUPTCY OFFICE at XXXX XXXX XXXX XXXX, Ohio XXXX that they DO NOT PROVIDE INFORMATION TO ANY AND ALL CREDIT REPORTING AGENCIES! If it doesn't show on PACER it doesn't exist! I have provided all documents below
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX XXXX ( XXXX ) ( XX/XX/XXXX ) This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX, under the account number ( XXXX ), a business loan account opened at XXXX XXXX  XXXX XXXX XXXX under the account number ( XXXX ), and a telephone service account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX, under the account number ( XXXX ), These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-10-28
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. (MS)

Recently i looked at a copy of my credit report and noticiced 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 account that i am asking you to verify as accurate : XXXX XXXX XXXX : XXXX
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AUSSRQ Holdings, LLC (IL)

THIS FRAUD ACCOUNT WAS REMOVED OFF MY OTHER CREDIT REPORTS AND XXXX ALLOWED THE FAKE CREDITOR TO APPLY IT TO MY XXXX REPORT AFTER IT WAS FOUND TO BE FRAUD, I HAVE ATTACHED PROOF Hi, my name is XXXX XXXX, and my DOB is XX/XX/year> Address XXXX XXXX XXXX XXXX Il XXXX Employment : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : Oliphant USA LLC {$880.00} Im writing because I have been financially and credit wise violated and victimized and not heard or cared about, I am an identity theft victim and fraud victim along with, I have been in over 10 security breaches and my info has been exposed. I have an XXXX XXXX  on my credit reports to call my number XXXX before opening any accounts. Its been on my report over the last 10 yrs. MY RIGHTS WAS VIOLATED and not followed through. This company has failed me and opened an account that is not mine and I never Authorized it, this company has no signature of mine on file, this company as no contract or agreement from me, this company has no copy of my ID. This company also charged off & sold a fraud account. When I had to write to the company and have them close the fraud account, they lied and put they closed out the account and then, destroyed my credit for yrs I been battling this. When I had to get the law involved, they then sold my account illegally. The company was paid by the people who purchased the account illegally and then they violated my rights by not sending me a letter or formal letter of any kind stating they purchased a fraud account. The company also reset the dates on the fraud account illegally because I been fighting it for years to get my identity back, the company has violated my rights as a United states citizen and has violated fair credit reporting. The company has called next door neighbors and friends and family stating, I have a court case and giving out case ID numbers pretending to be court clerks when in fact they are collection agencies. I WANT THIS ACCOUNT TO BE PERMANTLY DELETED FROM MY CREDIT PROFILE AND MY CREDIT POINTS TO BE RESTORED. I DONT WANT THE GENIC WORDS OF CONSUMER DOES NOT AGREE. BECAUSE THAT IS NOT HELPING WHEN I AM A VICTIM.
Consumer complaint received 2024-10-24
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. (NY)

This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

XXXX XXXX XXXX :
Consumer complaint received 2023-08-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (IL)

I hope this letter finds you well. I am writing to bring to your attention the recent resolution of a matter regarding my mortgage account with Carrington Mortgage. I believe that the circumstances warrant a request for the removal of late payment entries from my credit report. 

I want to express my gratitude for the opportunity to address a temporary financial setback that led to some late payments on my mortgage account with Carrington Mortgage. I am pleased to inform you that I have successfully brought my mortgage payments current, and all outstanding amounts have been settled. 

Given this successful resolution, I kindly request your assistance in facilitating the removal of the late payment notations that were reported to the credit bureaus during the period when I was catching up on my payments. I understand that these late payments may have had a negative impact on my credit history, and I am eager to restore the accuracy of my credit report to reflect my current financial status. 

I have been a responsible homeowner and borrower for [ number of years ] and have consistently met my financial obligations. The recent setback was an anomaly, and I am committed to maintaining a positive payment history going forward. 

I have attached documentation that supports my claim of having brought my mortgage account up to date. This includes evidence of recent payments made to Carrington Mortgage, as well as communication acknowledging the resolution of the past due amount. 

I am hopeful that the Consumer Financial Protection Bureau, with its dedication to ensuring fair treatment for consumers, will be able to assist in this matter. I understand the importance of accurate credit reporting, and I believe that the removal of these late payment notations would better reflect my current financial responsibility. 

Thank you for taking the time to consider my request. I would greatly appreciate any assistance or guidance you can provide to facilitate the removal of the late payment entries from my credit report. Please feel free to contact me at XXXX if you require any additional information or documentation. 

I look forward to a favorable resolution and appreciate your attention to this matter.
Consumer complaint received 2024-10-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Movement Mortgage LLC (VA)

I have been working with Movement Mortgage virtually and the loan was set to close at the end of XXXX pending the appraisal amount. The loan is for {$140000.00} dollars on a property I own free and clear. 
The appraiser came out XX/XX/year> to do the appraisal. Then the loan officer said there was an issue with the appraisal. These went on for weeks. What was happening is the house appraised for over {$250000.00} they were trying to get the appraiser to lower the value. The appraiser updated it twice last update was done on XX/XX/year> and the bank held the appraisal from me for weeks. 
The lender came back and said I need a new appraisal. After 30 days, and me consistently asking for an update they gave me the appraisal and the value is {$250000.00} the loan amount is {$140000.00}. 
I have requested to have a refund of the appraisal fee of {$700.00} at this point. It seems unethical to try to get the appraisal decreased based on their personal opinion verse the approved appraiser.
Consumer complaint received 2024-10-24
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 requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct those accounts immediately.
Consumer complaint received 2024-10-28
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. (CA)

I am reporting the account " XXXX '' account number : XXXX I would like to make it clear this IS MY ACCOUNT. HOWEVER, XXXX has XXXX used my credit report with inaccurate dates. Since the beginning of this year XXXX has only reported ONCE. Out of TEN MONTHS, XXXX has reported Charge-Off on XX/XX/year>. THATS IT. I called the number on my credit report " ( XXXX ) XXXX '' and they refused to help me, saying " call XXXX XXXX XXXX '' Which I called, and they too have NO ANSWER for my credit reporting problems. They want me to pay off my debt, but they can't even report it accurately every single month. I asked them to transfer me to a XXXX so I can ask them why hasn't my account been updated in 5 months? Only to be told " the managers are all busy '' I call back, and they tell me the same thing over again. None of the reps we're from the US, and they refused to help me with my credit report being inaccurate for 5 months, they just tell me " Want to make a payment? Our managers are busy. '' I need this account to be updated so that I can pay off my credit card, and know that it will be updated properly, and reported correctly, otherwise this account needs to be removed from my credit report if they continue to misuse my credit report, because I have a {$480.00} balance that I am ready to pay, but they are not reporting it for months at a time. XXXX has not reported my Experian & XXXX XXXX XXXX for XXXX out of 10 months this year.
Consumer complaint received 2024-10-28
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. (MI)

15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies Text contains those laws in effect on January 23, 2000 From Title 15-COMMERCE AND TRADE CHAPTER 41-CONSUMER CREDIT PROTECTION SUBCHAPTER III-CREDIT REPORTING AGENCIES Effective Date 1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors
Consumer complaint received 2024-10-24
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)

This is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedure in your operations to assure maximum possible accuracy in the credit reports you publish. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original sign consumer contact, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a 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
Consumer complaint received 2024-10-28
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: JPMORGAN CHASE & CO. (TX)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-10-23
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Colony Brands, Inc. (MD)

Company written off/ charged off XXXX Left a past due of XXXX. I called to settle the company said they did not write off or charged off XXXX that I owe this this on the report it has I owe XXXX there fore this is wrongful reporting and under the fdcpa this account should be deleted immediately
Consumer complaint received 2024-10-24
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. (TN)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-10-24
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. (IL)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-10-24
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)

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 Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX XXXX  Account Name : XXXX
Consumer complaint received 2024-10-27
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Waypoint Resource Group, LLC (CA)

XXXX XXXX XXXX has not provided me with any validation to verify how or when this alleged debt was acquired, i have sent them a written notice by USPS certified mail and a follow-up letter as well. the have not done anything to resolve this matter. Based on consumer laws i've researched i now KNOW i have a right to privacy. This company has acquired my personal information without my consent and put a large debt on me of {$850.00} i dont know where it came from and to my knowledge i have no contract with this company or the original creditor, so i am confused as to why they are damaging my credit, even when i tried to be the person to find solutions its been nothing but confusion and injustice. i am aware of my rights as a consumer and this company is in serious violation. the account is as follows on my credit report. 
XXXX XXXX XXXX ACCT # : XXXX ( I CANT EVEN ACCESS OR GET BACK ANSWERS AS FAR AS THE ACCOUNT NUMBER )
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO. (DE)

Th eChase company has raised our mortgage due to wrong assesment, the increase is so high that we might not be able to keep up with payments.This is going to dtart from XX/XX/XXXX of 2024.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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.