davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Neon Newco Corporation (NV)

On XX/XX/2023 I was attempting to log into my bank account via online banking and discovered someone was able to change my passwords and login info. I called my bank, Netspend, immediately at XXXX with phone records. Got everything changed back, however nothing else was done. The next morning at around XXXX, the same individuals who hijacked my online banking account did so again. However this time I had just gotten my paycheck the night before. I even opened a savings account the night of the XXXX to begin saving for my first rent payment of the new lease. They moved the money I had just put in my savings and transferred it to another account with a card Ive never owned in my life. I called at XXXX when I was at work and wanted to log in and make sure that my paycheck was safe only to come to the horror that my passwords had been change again and saw all my money was taken from me. After disputing the transaction and waiting the entirety of the 10 business days for the bank to investigate they determined that it was not fraud based on the fact that the person logging in and doing the transfers did so on a pay day and therefore had inside information despite the fact the account was compromised less than 24 hours before that, which the criminals could have just looked at my transaction history and seen when I get paid next. They also claimed the transactions were done on an IP address or device linked to me. However I just got the investigation paperwork yesterday, XX/XX/2023 and they include the IP history of my login attempts and it clearly shows that the transactions are being done from an IP address that only shows up at that time, and never shows up again! They dont mention the device or anything like that. Theres not even a history of looking at the account XX/XX/XXXX to see if the IP addresses matched those of the ones who ultimately stole my money. Ive tried and tried to get in contact with their dispute team to resolve the issue but Ive been told multiple times I will be called in two business days and havent received a single call from them in over a week.
Consumer complaint received 2024-09-17
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. (SC)

I was astounded and disheartened to discover that credit inquiries were being conducted without my consent. I have attempted to obtain the following information from the creditors ; however, they have neglected to respond. Details of the Inquiry : Request that the creditor furnish specific information regarding the inquiry, including the date of its initiation, the purpose of the inquiry, and the credit product or service that is associated with it. Application Documentation : Obtain copies of any credit applications or other documents that are pertinent to the inquiry. This may encompass disclosures, agreements, or application forms that you would have completed or received during the credit application process. Documentation of Authorization : Request that the creditor furnish evidence of your authorization for the inquiry. This may encompass signed consent forms, agreements, or disclosures that serve as evidence that you authorized the creditor to access your credit report. Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. The documentation of your interactions with the creditor may encompass emails, letters, or notes. Internal Records : Request that the creditor furnish internal records or notes in connection with the inquiry, including any decision-making processes or rationales for initiating the inquiry. Identity Verification : Prior to commencing the inquiry, request that the creditor implement verification procedures to verify your identity in the event that identity theft is a concern. This may involve the verification of personal information or identity documents submitted during the application procedure. Documentation of Compliance : Inquire about the creditor 's adherence to pertinent laws and regulations that govern credit inquiries, including the Equal Credit Opportunity Act ( ECOA ) and the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2024-10-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (FL)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

To whom it may concern, Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement of a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didn't notify me with a statement 21 days before, so there should be no late payments on this account. I demand hard solid proof from the creditor bank account that I didn't pay and was marked late because this is a billing error. The items below should all be updated to be paid as agreed upon in my consumer report. 

XXXX XXXX  Account XXXX You have violated the United States Code Law 15 U.S. Code 1681b, which outlines the permissible purposes of consumer reports. According to subsection ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report only when provided with written instructions from the consumer involved. I have not granted any written consent for reporting any information on my consumer report. Therefore, under the law, you are required to immediately remove the accounts mentioned in this letter. Failure to comply will compel me to pursue monetary damages through small claims court within my city and state. Additionally, this letter has been shared with the Consumer Financial Protection Bureau, the Attorney General 's Office, the XXXX XXXX XXXX and the Federal Trade Commission. Your immediate attention to this matter is expected.
Consumer complaint received 2022-02-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC (NV)

I recently tried to log into my account ( XX/XX/XXXX ) to resume making payments for my mortage and was locked out of my account. When I contacted Cross Country Mortgage to resolve the issue, they admitted to locking my account. Their explanation was because they discovered a bankruptcy, which belongs to my dad. We have the same name, however, XXXX am XXXX and he is XXXX. My father 's bankruptcy was filed late XXXX or early XXXX. What I find very disturbing is, Cross Country Mortgage did not verify the social security number to make sure it indeed belonged to me. If they would have just verified the ss number, I would not be in this stressful situation. I also take a problem with being asked ( by Cross Country Mortgage ) to send them a copy of my dad 's bankruptcy paperwork. My father is not a client of Cross Country Mortgage. This violates my father 's privacy. Although bankruptcy are public records, sending someone else 's records are not something a Mortgage company should be asking their actual mortage holder to do ( me ).
Consumer complaint received 2024-09-17
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. (SC)

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report 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. 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 information is found to be inaccurate or 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. ''
Consumer complaint received 2024-09-17
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)

I HAVE REPORTED NUMEROUS TIMES AN INACCURATE DEBT ( XXXX XXXX XXXX XXXX ACCT # XXXX ) TO EXPERIAN SHOWING IN DETAIL THE INACCURACIES IN WHICH EXPERIAN HAS IGNORED. I HAVE ASKED FOR A PROPER RE-INVESTIGATION WHICH EXPERIAN HAS IGNORED AND NOW CLAIM THAT THE DEBT HAS BEEN VALIDATED BY A DATA FURNISHER,. EXPERIAN HAS REFUSED TO DELETE THIS INACCURATE DEBT AND HAS REFUSED TO PROVIDE ME THE PROPER AND LEGAL INFORMATION THEY USED AND OBTAINED TO VALIDATE THIS INACCURATE DEBT ( NAMES, CONTACT INFORMATION, DOCUMENTS ETC ). EXPERIAN IS VIOLATING THE FCRA BY CONTIUNUOUSLY REPIORTING THIS INACCURATE DEBT
Consumer complaint received 2024-09-17
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. (MA)

This issue has been going since 2006 I requested many times for the company to accept my dispute information they never do they send it back in the mail stating rejected so I took the time to find the ceo email and no response either I am tired of no solutions and getting no where please please help me
Consumer complaint received 2024-07-17
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (CT)

My Wells Fargo online account was hacked on XX/XX/24. The person who hacked the account changed the mailing address, email account and phone number. I have a printout of what the hacker changed my personal inforamtion to. I have contacted Wells Fargo and they changed everything back but are not taking this seriously. I wish to close all my accounts with Wells Fargo immediately.
Consumer complaint received 2024-09-17
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)

I run my credit report to take out a loan with XXXX XXXX and they contacted me regarding a charge off account with XXXX for {$1700.00}. I called up XXXX and they were not about to find an account with them past or present. They send me alter stating the same and I forward the letter to Experian to dispute the charges that are negatively affecting my credit report. On XX/XX/year> I received an emailed stating that the charges were mine and they were for XXXX. I called XXXX and they were not able to find any information. I called XXXX and they are still giving me any information. It's unfair to put something on my credit report and after I called more than 20 times in the last few days and I still can not receive enough information that would allow me the chance to accurately dispute the chances. I would like this information be removed from my credit reporting. I filed a dispute with Experian but time is of the essence and It not my account. I am also filing a police report today. Please contact me at XXXX if you have any questions or concerns. If XXXX have something reported on my credit they should be able to provide me with accurate information giving me the opportunity to defend myself.
Consumer complaint received 2024-10-30
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Onity Group Inc. (IN)

I WAS GOING THRU AN INPROPERLY FILED FORECLOSURE PROCEEDINGS. I HAVE SINCE VALIDATED THAT MY MORTGAGE WENT THROUGH A LOAN MODIFICATION AND THE STATUS OF MY ACCOUNT IS ACTIVE AND UP TO DATE. THEY HAVE NOT REPORTED THE PROPER STATUS TO THE CREDIT BUREAUS. MY PHH MORTGAGE AND PROCESSED THROUGH XXXX. THE ATTACHED DOCUMENTS SHOW THAT THE COURT RECORDS ON FORECLOSURE IS CLOSED. DOCUMENTS SHOW PAYMENTS ARE SET UP. NO LONGER BEHIND ON THE ACCOUNT
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX ( XXXX : XXXX XXXX XXXX XXXX ) XXXX Balance : {$19000.00} ; XXXX XXXX  XXXX Balance : {$12000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX.
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is the third time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly correct or delete the following inaccurate items ASAP. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (CO)

MOHELA fraudulently reported my XXXX XXXX balance XXXX  to credit bureaus, thereby XXXX  the balance on my credit report. My XXXX credit confirms XXXX duplicate reports from MOHELA of XXXX, for a total of XXXX, with the only difference between the XXXX reports being the reporting XXXX. My total XXXX XXXX balance should only be XXXX. MOHELA 's fraudulent XXXX  reporting of my XXXX XXXX balance has substantially harmed my credit score and ability to qualify for a XXXX XXXX  by incorrectly altering my debt-to-income ratio.
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: EQUIFAX, INC. (NC)

I recently looked into my credit reports and found that an account wasn't reporting accurately. I had one late payment on my XXXX  XXXX account that was paid on time. The credit reporting agencies need to report all information with complete accuracy. My XXXX  XXXX account has not been late on payments. I have attached a copy of my reports to this complaint on the following date XX/XX/year>. Im now requesting you investigate and provide verifiable proof with records showing that I had a late payment. If this information can not be verified I demand this payment be updated to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2023-09-05
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)

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. 
I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX. XXXX ACCOUNT NUMBER : XXXX Account is not mine please remove from my credit report XXXX. XXXX XXXX XXXX XXXX  ACCOUNT XXXX : XXXX Account is not mine please remove it from my credit report XXXX. XXXX ACCOUNT NUMBER : XXXX This account is not mine please remove from my credit report XXXX. XXXX XXXX  ACCOUNT NUMBER : XXXX This account is not mine please remove it from my credit report However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly.

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 item of information, other than records of convictions of crimes, 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.

Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2024-08-15
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

CFPB XX/XX/year>24 I am the owner and beneficiary of a XXXX XXXX XXXX XXXX XXXX XXXX  with the funds in CDs. This week I wanted to change the beneficiary of this account to my grandson. When I began completing the change of beneficiary form I was puzzled by the language in section 3 of the form which deals with transfers. I immediately contacted the XXXX XXXX customer service telephone number to make sure I understood the language in the forms. 
I spoke to two representatives at two different times and each confirmed what I had gathered from the form ; that is, when a beneficiary is changed, any CDs in the account are redeemed and repurchased thereby incurring heavy penalties. When I enquired as to why this automatic procedure when there is no change in ownership, I was told that its their procedure and thats it. In addition, I was told there was no one to speak with that could address the issue I brought up. It is at that point that I thought I should contact the CFPB since there are many individuals and families that are affected by this procedure that negatively affects customers with unnecessary redemption penalties.
Consumer complaint received 2024-10-22
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)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2024-10-22
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. (MA)

This account was charged off on the following date ( XXXX ) since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. a charged off account should NOT include an active payment history. this is inaccurate information falsely manipulates the statute of limitations. you failed to investigate this account properly and your neglect has violated my rights. Iam demanding a deletion of the following account : XXXX
Consumer complaint received 2020-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there are several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. US DOE XXXX XXXX {$25000.00} XXXX XXXX XXXX {$4000.00} DEPTEDXXXX XXXX {$3500.00} XXXX XXXX XXXX   XXXX {$230.00} XXXX XXXX {$960.00}