davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-12
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)

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX # XXXX, XXXX, GA XXXX Account number : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX : Dear XXXX XXXX, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-09-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.
Consumer complaint received 2024-09-13
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: Experian Information Solutions Inc. (CA)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NY XXXX DOB XX/XX/XXXX XXXX TransUnion LLC Consumer Dispute Center XXXXXXXX XXXX XXXX  XXXX XXXX PA XXXX TransUnion Disputes Information Center Dear Transunion I was under the impression that you are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning me and my consumer file. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish However, I would like you to conduct a reasonable reinvestigation to determine whether the following disputed information is inaccurate and delete the items from my consumer file in accordance with 15 USC 1681i ( a ) ( 5 ) ( A ) : XXXXXXXX XXXX XXXX  - Account # XXXX - Delete this account because you are inaccurately reporting- This account was charged off on the following date XXXX. Since then, the account has repeatedly been updated as charge-off every month. 
This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the complete of your re-investigation. 

Regards, XXXX XXXX
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and 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 reported in MONTHS REPORTING LATE to be removed 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 21 days before the payment due date.

This company 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!

Delete the late payments from my consumer reports.
Consumer complaint received 2023-03-30
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. (FL)

Dear Sir or Madam : I AM A VICTIM OF ID THEFT, THOSE LISTED ACCOUNTS AREN'T MINE. Please block those information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. Enclosed are the following : * A copy of my Identity Theft Report and proof of my identity. * A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter and await your reply. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

The line of credit that was extended to me between the consumer, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX clearly states that the report of transactions or experiences between the consumer and XXXX XXXX XXXX XXXX is not included on the consumer report, you have violated 15 USC 1681a ( 2 ) a1. By reporting this transaction, you have ten ( 10 ) calendar days to update my utilization to five percent ( 5 % ) or below or delete all utilization from the account listed below : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX Faulire to respond satisfactory with deletion of the above utilization will result in legal action being taken against your company for which I will also be seeking XXXX XXXX XXXX XXXX ( {$1000.00} ) per violation, deformation of character, negligent non-compliance, civil liability, XXXX  XXXX  on the Fair Credit Reporting Act, ( FCRA ), 15 USC 1681 for violations under willful non-compliance section 616 civil liability 4 will fold on compliance 15 USC 1681n. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2019-12-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

Loan # : XXXX Ocwen is by far the worst services company I have ever dealt with in the mortgage industry and other service industries. Years ago, they ran me around for 12 months processing a loan modification twice and both failed. Every time they requested information and I confirmed that was all they needed, they'd come back weeks later and ask for more information. To add insult to injury, they'd then ask for the same information updated since 90 days had elapsed - all because their processes are extremely slow. In the end, after two loan modification attempts - both were denied. Constant bouncing around from one department to another, mostly in XXXX and calls taking hours! Good people on the phone but they don't have the right tools to do their job. More recently, when the loan transferred to PHH, I paid additional principal and asked for my loan to be recast at the lower principal balance. After 3+ months, they still haven't reset my payments to a lower amount when their relationship mgmt dept already confirmed the recast and lower monthly payment. More wasted hours on the phone bouncing around departments. Just today ( XX/XX/19 ) - they notified me THEY made a mistake and reported a derogatory to the Credit Bureaus based on what happened. They assured me in due time that they'll fix it. All the while they're collection dept keeps robo-dialing saying I'm late on payment! I paid down the mortgage {$40000.00} in XXXX and continue to pay on time each month. They are a mortgage company, this should be an easy task unless they're running their calculations on an XXXX computer. This company is a great example of lack of customer experience and how not to run a great business.
Consumer complaint received 2024-09-12
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)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION XXXX SECTION XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-09-09
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. (OH)

XXXX XXXXXXXX XXXX {$730.00} Date Opened XX/XX/XXXX I did not give this company authorization to report this collection to my credit report this violates my privacy under the Privacy Act of XXXX I took action by asking the company to send me more information on this collection debt in a form of a letter still no response or action was taken on behalf of XXXX XXXX
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 2021-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

THE COMPANY TOOK 0 ACTION. THEY ARE TONE DEAF AND RELY ON PACIFICATION AND RHETORIC. THEY DID NOTHING TO CHANGE THIS STATEMENT AND ARE OK WITH THE FACT THAT THIS WILL TAKE YEARS. I PAID FOR EVERYTHING AND I PAID EVERY SINGLE OVERDRAFT THEY CHARGED ME. I NOT ONLY DEMAND THAT THEY CHANGE IT BUT TO REFUND ALL THE OVERDRAFTS THEY EVER GIVEN ME! THEY PROFITTED SIGNIFICANTLY OFF MY PAST YEARS OF OVERDRAFT AND THEY HAVE THE NERVE TO KEEP A RECORD ON ME THAT WILL PREVENT ME FROM CHANGING TO ANOTHER BANK! 

I HAVE SERVED MY COUNTRY AND COMMUNITY AND CONTINUE TO DO SO! YET THIS COMPANY HAS DONE NOTHING TO FIX THIS PROBLEM. THEY ONLY HAVE INSENSITIVELY CONTINUE TO ACCEPT THEMSELVES IN THEIR CORPORATE PREDATORY BEHAVIOR! I
Consumer complaint received 2024-09-12
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)

XXXX XXXX  LETTER TO CONSUMER REPORTING AGENCIES XX/XX/XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX CA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX RE : XXXX XXXX XXXX Dear Sir or Madam : I am XXXX  XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

INCORRECT ADDRESS ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX BALANCE : {$0.00} XXXX XXXX XX/XX/XXXX XXXX BALANCE : {$24000.00} XXXX XXXX XX/XX/XXXX XXXX BALANCE : {$50000.00} XXXX XXXX XX/XX/XXXX XXXX BALANCE : {$3100.00} XXXX XXXX XX/XX/XXXX XXXX BALANCE XXXX {$4000.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX BALANCE : {$0.00} XXXX XX/XX/XXXX XXXX BALANCE : {$290.00} XXXX XXXX XX/XX/XXXX XXXX BALANCE : {$12000.00} XXXX ( Original XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX BALANCE : {$410.00} XXXX XX/XX/XXXX XXXX BALANCE XXXX {$6900.00} INQUIRY XXXX XXXX XXXX - XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX : XXXX Enclosures : [ List what you are enclosing ] Proof of identity [ Each consumer reporting agency sets requirements for proof of identity. 
Examples that are likely to satisfy the requirements may include : a copy of drivers license, other government-issued identification card, utility bill. If you are a representative assisting with this submission, then your proof of identity should be included too. ] XXXX XXXXocumentation [ Documents establishing that youre a victim of XXXX Examples of acceptable documents include : Documents from a federal, state, local, or tribal governmental entity ; Documents from a non-governmental organization or XXXX XXXX task force, including affiliated victim service providers authorized by a federal, state, local, or tribal governmental entity to identify XXXX XXXX XXXX  ; Court documents with a determination that you are a XXXX XXXX XXXX ; and/or A self-attestation that you are a victim signed or certified by a representative from a governmental entity, court, or authorized non-governmental organization or XXXX XXXX XXXX XXXXXXXX.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

i have not supplied proof under the doctrine of estoppel by the silence Engelhardt. V Gravens ( mo ) 281 SW715.719 presumed that no proof of the alleged debt. nor therefore any such debt in fact therefore exist. ( Please remove these accounts before I seek legal litigation for defamation of character ) XXXX XXXX XXXX balance {$11000.00}, XXXX XXXX XXXX balance {$0.00}, XXXX XXXX balance {$1000.00},
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, 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 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 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

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 2024-09-12
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. (AZ)

After Reviewing my Credit Report with EXPERIAN I noticed Inquiries on my EXPERIAN Credit Report that I did not Authorize that are not connect to any account on my credit report by these banks of dates listed, XXXX XXXX Inquires Date XXXX, XXXX XXXX XXXX XXXX Date XXXX, XXXX XXXX  Date XXXX, XXXX XXXX XXXX  XXXX XXXX Date XXXX. According to 15 USC 6802 ( d ) A financial institution shall not disclose, other agency an account number to similar form of access code or transaction of consumer. According to 15 USC 1681 ( b ) I did not give written consent nor instructions for any inquiry to be allowed to report to EXPERIAN Credit Bureau. Please verify all written letters. 18 USC 1028A Aggravated Identity theft. EXPERIAN Credit Bureau has committed a crime according to 18 USC 2028A Aggravated Identity Theft. Please remove all inquiries on my credit Report with EXPERIAN
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NE)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) 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 ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WA)

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 Equifax 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 receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal bank account at XXXX XXXX XXXX opened on XX/XX/XXXX account # XXXX with a balance of {$210.00}, a personal credit account opened at XXXX XXXX XXXX XX/XX/XXXX account # XXXX with a balance of {$490.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aformentioned fraudulent items. I do not recognize the aforementioned accounts, collections, as mentioned. The aforementioned accounts, collections or hard inquiries appearing on my consumer credit report maintained by you were not opened, 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.