davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-29
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. (VA)

I inquired of the XXXX XXXX XXXX if they provided the XXXX credit reporting agencies my financial information without my consent. They state they have not provided the information. I sent a letter to Equifax, XXXX, XXXX and XXXX XXXX. They all stated they validated the debt and the information remained on my report. I received a letter from the XXXX they had not validated any such information. This is incorrect reporting without my consent nor the Courts consent. This violates 15 USC 1681 ( b ). 
None of the companies have sent me any documentation of validations or consent from the originating party.
Consumer complaint received 2024-09-10
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. (MD)

I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX XXXX XXXX Account XXXX .... 
Date of charge-off : XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as charge-offs should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 12 U.S.C. 1681 e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. Furthermore, the reporting of this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 
I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2024-11-01
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. (CO)

The XXXX acounts I have attached are not mine and the credit reporting agencies are saying the information was verified. I am still in a chapter XXXX and under federal laws. I can not open any new account such as loan or credit cars. With the Trustee approval. The will send me the approval letter from the Trustee. On of them has a court order child support they state I am am be hide the state refused to send documents to me and say there is no signed court order. The court order is singed. I did turn in the child support to the federal and state XXXX XXXX for fraud.
Consumer complaint received 2017-05-17
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. (GA)

In    XXXX     of 2017, I w as trying to refinance my house. Currently, my student loans through  XXXX  are on deferment. When applying to refinance, the loan company is reporting wrongly and it has majorly lowered my  credit score  and it is affecting me not being able to refinance. The way   XXXX   is reporting to the credit company, it is showing that I am over my limit with them and delinquent when I am not because I have permission and have taken the right steps forward in making sure I did that process correctly. Due to it showing that I am delinquent ( when i am not ) and over the amount of the loan ( over the total amount I am allowed to borrow is how I was told  ), it is   making it look like I am way behind on payments. I do call  XXXX  in   XXXX    2017 and they  said that is how it gets reported and there is nothing they can do. They have also not worked with my to try to lower the amount I owe per month and it could cause me to lose my house because I ca n't get a lower payment and I now ca n't refinance my house because of how it is being reported to the credit company.
Consumer complaint received 2024-11-01
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 Federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX Has violated my rights I look at my Experian report XX/XX/year> and noticing things are incomplete and not accurate. And according to the Fair Credit reporting whenever a consumer reporting agency prepares a consumer report itself follow reasonable procedures to assure maximum possible accuracy of information concerning the individual about whom the report relates according to 15 USC 1681 ( E ) ( B ).

And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) treatment of inaccurate or unverifiable information. ( A ) In general if after any investigation under paragraph ( 1 ) of any information disputed by a consumer an item of the information is to be found inaccurate or the incomplete or can not be verified the consumer reporting agency shall- ( I ) Promptly delete that item of information from the file of the consumer or modify that item of information as appropriate based on the results of the reinvestigation : and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if that person knows or has a reasonable cause to believe that information is inaccurate.

Delete accounts account name account number from my credit report because of these multiple violations of the Fair Credit reporting act.
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I sent letters to each company multiple times ; I received a full credit consumer profile. I did not receive any proof of original documentation of the debt because I saw a lot of unfamiliar accounts. I credit has been comprised and a lack of privacy has transpired. I too have a right to privacy,
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Dear XXXX or Equifax This is Information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I Am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to request to block the identified transactions. The identified transactions are not information related to any transaction made by me as the consumer : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX : XXXX, XXXX : XXXX, Equifax : XXXX XX/XX/XXXX {$1700.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX : XXXX, XXXX : XXXX, Equifax : XXXX XX/XX/XXXX {$110.00}
Consumer complaint received 2017-05-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (CA)

Complaint again st Ocwen Financial Corporation Date   XXXX / XXXX / XXXX  It is with some urgency that I write to you about  Ocwen Financial Corporation.  Apparently, they hold a Deed of Trust against my property at  XXXX   XXXX   XXXX   XXXX ,  XXXX  Ca  XXXX  and appear to be unwilling to remove this lien even though I have never held a mortgage with this company and do not owe them a penny.   On  XXXX / XXXX / XXXX  my wife and I signed documents for a mortgage with a company called  XXXX   XXXX   XXXX  but then was offered a better mortgage package at a much better interest rate with   XXXX   XXXX   XXXX   a day later. I then rescinded the mortgage with  XXXX   XXXX   XXXX  within the 3 days allowed and the mortgage was never funded but they still went ahead and filed a Deed of Trust against my property without cause.   XXXX   XXXX   XXXX   went out of business later that year.  Ocwen Financial inhe rited some of   XXXX   XXXX   XXXX   book of business and the lien was transferred from  XXXX   XXXX   XXXX  to  Ocwen Financial.    I have never had any business with  Ocwen Financial,  they do not have me in their system, and they have no account number or any knowledge of any existing debt to them owed by us. Our home loan with   XXXX   XXXX   XXXX   was sold to   XXXX   XXXX   who is our current lender and holder of our legitimate lien.   My wife and I are currently refinancing our mortgage with  XXXX  and when they did a title search six weeks ago,  XXXX  found this second lien. There have been repeated attempts over these last  six  weeks by  XXXX   XXXX  of   XXXX   XXXX   (  XXXX  ) to get Ocwen to remove this fraudulent lien. After sending faxed documents and emails confirming that they have no legal right to hold a lien against our property, there has been no response. I was just notified last week of this situation and tried callin g Ocwen Financial pe rsonally.  XXXX  ( #  XXXX  ) assured me that they would respond within  24-48  hours, which was the same response  XXXX   XXXX  received. I have no confidence that I will be treated any differently.   My wife and I are supposed to sign final documents for our refinance on  XXXX   XXXX ,  XXXX  to secure an affordable monthly payment. The lien held by  Ocwen  is preventing our closing of the loan on that date and the new payment without the refinance will put a significant financial strain on the household. This Lien also takes away the option to sell our property if needed.   Resolution.   We ne ed Ocwen Financial to remove this lien within the next five days for us to close the  refinance with  XXXX  Mortgage. If they remove it past that time, then they should reimburse any out of pocket expenses due to not closing the refinance with  XXXX  by  XXXX   XXXX ,  XXXX .  Ocwen Financial Lien Release  Department had  6 w eeks to resolve this issue and have completely ignored our repeated request to do so.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

XXXX XXXX XXXX is a collection agency that reported that I owe them {$320.00} I sent a letter requesting a copy of the original purchase agreement showing proof that they purchased the alleged debt showing my correct information. They failed to provide any information.
Consumer complaint received 2024-10-01
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)

Hi my name is XXXX XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-11-01
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. (TN)

I filed a dispute with Experian about inaccurate negative information on my credit report regarding a settled account ( XXXX  XXXX  XXXX  ). This account was legally settled and closed in XXXX through a release agreement, and I have no remaining obligations. Despite this, Experian recently updated my report to show derogatory information on this account, including a Potentially Negative status and a payment history with late payments, even though the account has had no activity since XXXX. 

After I disputed this with Experian, they responded with a generic explanation of their dispute process, failing to address the specifics of my case or verify the accuracy of the newly added negative information. I requested a method of verification under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 7 ), but Experian did not provide XXXX. This update appears to violate FCRA 607 ( b ), which requires credit reporting agencies to ensure maximum possible accuracy, as well as FCRA 611 ( a ) ( 1 ) ( A ), which mandates a reasonable investigation for disputes. 

This situation is similar to recent cases, such as XXXX XXXX Experian XXXX XXXX XXXX XXXX, where Experian was found to have failed in its duty to investigate thoroughly, and a recent class-action settlement where Experian was XXXX for failing to verify third-party information accurately. 

I am seeking the removal of the inaccurate negative information from my credit report, a full method of verification from Experian, and assurance that Experian will comply with FCRA standards in all future disputes.
Consumer complaint received 2024-09-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (FL)

The credit bureau has claimed that the debt is verified and I have not received any documentation from either the credit bureau or the company listed below ... ... ... ..... 
Account Details XXXX XXXX XXXX Last reported XX/XX/XXXX {$700.00} Open balance XXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Type Responsibility Remarks Original creditor name Open - Individual Account information disputed by consumer, meets FCRA requirements XXXX XXXX XXXX Report info ^ Account Details XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$650.00} Open balance XXXX XXXX XXXX  XXXX Original creditor XXXX  Opened Account status Type Responsibility Remarks Original creditor name XX/XX/XXXX ( XXXX yrs, XXXX mos ) Open - Individual Account information disputed by consumer, meets FCRA requirements XXXX XXXX XXXX XXXX Report info ^ Account Details MIDLAND CREDIT MANAGEMEN Last reported XX/XX/XXXX {$640.00} Open balance MIDLAND CREDIT MANAGEMEN Original creditor XXXX  Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Type Responsibility Remarks Original creditor name Open - Individual Account information disputed by consumer, meets FCRA requirements MIDLAND CREDIT MANAGEMEN Report info ^
Consumer complaint received 2024-09-29
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: EQUIFAX, INC. (NY)

i just reviwed a copy of my credit report and i found these fraudulent inquiries. please remove these inquiries from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-29
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: EQUIFAX, INC. (MS)

In XX/XX/year>, an old closed account from about two years ago suddenly reappeared in my Equifax credit report under collections, which caused my Equifax credit score to drop by XXXX points. This collection was not present on my XXXX or XXXX reports, which remained around XXXX. 

I contacted the debt collector and obtained a deletion letter confirming that the collection should be removed from my Equifax report. I submitted this letter to Equifax, and on XX/XX/year>, the collection was deleted from my Equifax credit report. 

However, despite the deletion of the collection, my Equifax credit score has not recovered and remains significantly lower at XXXX, compared to my other credit bureau scores. I have not seen any improvement in my score even after the deletion, and there have been no other changes or recent activity on my credit profile during this time. 

I have contacted Equifax multiple times to resolve this issue and requested an explanation as to why my score remains unchanged, but I have not received any satisfactory response or resolution. I believe that the investigation into my case did not fully address the impact of the error on my credit score, and I would like my case to be further investigated and my score to be corrected.
Consumer complaint received 2024-09-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX  XXXX ACCT # XXXX OPENED DATE : XX/XX/2024 XXXX XXXX XXXX  XXXX ACCT # XXXX OPENED DATE : XX/XX/2024 XXXX XXXX XXXX XXXXXXXX ACCT # XXXX OPENED DATE : XX/XX/2024 These items where already successfully deleted from credit reports but agency reported them as collection illegally this time
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date.

EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Consumer complaint received 2024-09-10
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. (GA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-11-01
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX, XXXX Subject : Identity Theft Report Fraudulent Inquiries Dear EXPERIAN I am writing to formally dispute several inquiries on my credit report that I believe are fraudulent and the result of identity theft. I have not authorized these inquiries and would like them removed from my credit report. 
List of Fraudulent Inquiries : XXXX. XXXX XXXX XXXX XXXX Bank Credit Cards- XX/XX/XXXX Experian XXXX. XXXX - Department And Variety Stores - non specific - XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Automobile Dealers, Used - XX/XX/XXXX - Experian I have enclosed copies of my identification and a FTC report that confirms the identity theft. I request that you investigate these inquiries and remove any that you confirm are fraudulent. 
Please confirm receipt of this letter and provide me with updates on the status of my dispute. Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-11-01
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)

incorrect information reporting on my credit profile and i would like all of these items remove from my credit profile Accounts- XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX Hard-Inquires XXXX XXXX XXXX XXXX