davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-13
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)

Experian, I am writing to express my strong disagreement with the accounts listed below that continue to appear on my credit report, even after your investigation. I insist on an immediate re-investigation of these accounts. The inaccuracies are significantly impacting my XXXX XXXX, and this matter requires urgent attention. 
Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Not listed XXXX : Not Listed ** ] Closed ( XXXX ) Updated ( XX/XX/XXXX through XX/XX/XXXX ) XXXX : Not listed XXXX : Not listed I must emphasize that repeatedly reporting charge-offs every month is not in compliance with the law. Each update extends the statute of limitations and makes the account appear more recent than it actually is. Re-aging accounts is a serious violation of credit reporting regulations. 
The XXXX XXXX account was charged off in XX/XX/XXXX with a charge-off status. The XXXX XXXX XXXX account was charged off in XXXX. Since then, these accounts have been updated as charge-offs every month, which is incorrect. A charged-off account should not include an active payment history. This inaccurate information inappropriately affects the statute of limitations. 
Your investigation appears to have been inadequate, and this oversight has infringed upon my rights. Furthermore, the inconsistent reporting of balances and accounts across bureaus is also a violation of credit reporting laws. 
I would like to remind you of the relevant legal provisions : - Section XXXX ( a ) ( XXXX ) of the FCRA prohibits furnishing inaccurate information to credit reporting agencies. 
- Section XXXX ( a ) ( XXXX ) of the FCRA requires furnishers to provide accurate information to credit reporting agencies. 
- Section XXXX ( a ) ( XXXX ) ( A ) requires furnishers to provide accurate information to credit reporting agencies. 
- Section XXXX ( b ) outlines the duties of furnishers to correct and update information. 
Based on these violations, I am formally requesting the deletion of the above-mentioned accounts. 
In accordance with The Fair Credit Reporting Act, Public Law XXXX, XXXX VI, Section XXXX, please provide the names and business addresses of each individual with whom you verified this information so that I XXXX follow up as necessary. I expect to receive an updated copy of my credit report after your re-investigation. 
Your prompt attention to this matter is appreciated, and I look forward to a timely resolution of these issues. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-04-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Onity Group Inc. (TX)

We are trying to settle a dispute and be added to the Redress list for wrongful foreclosure, misapplied payments and breach of contract, which C.F.P.B. has issued in XXXX XXXX. We have attempted to be placed on this list since XX/XX/XXXX, only to get ignored with answers like, we cant find your account number or we will send this to a different department. Finally, it was suppose to be sent to the legal department of which Wells Fargo doesn't no the Attorneys firm name.Listed below is my documented complaints along with supporting evidence. 1.An insurance policy in XXXX, which we were told was to cover the note in case of death of my mother with the initials MPL-ID-GLBL. Payments were increased {$270.00} with no written notice. 2.A payment tendered in XXXX but not applied. A letter was received in XX/XX/XXXX stating the payment was found and credited to account. XXXX payment was placed in a lock box. Supporting evidence included. 
XXXX payment in XX/XX/XXXX tendered, only to have XXXX place another account number on the check. After filling a complaint with Texas Department Saving And Mortgage lending, this error by XXXX was admitted, which constitutes misapplication of funds. 
4.Instead of correcting there error, they proceeded with foreclosure, that has cost a small fortune which constitutes, Wrongful Foreclosure. There summary judgement was denied. We now have another court date on XX/XX/XXXX. Mediation was attempted but in bad faith by Wells Fargo 's counsel. Also, recognition of the C.F.P.B.redress was ignored.
Consumer complaint received 2018-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

In XX/XX/XXXX I contacted Experian asking them to remove the bankruptcy the listed on my credit report. In addition, I asked them to provide me with a ) the name of the courthouse ; ( b ) the persons name you verified the dispute with ; ( c ) the address ; ( d ) the telephone number ; and ( e ) the documentation used to verify the dispute. Their response to my dispute was the United States Bankruptcy Courts of Illinois is the company that reported the bankruptcy on my credit report. In XX/XX/XXXX, I had reached out to the United States Bankruptcy Courts of Illinois asking them if they had provided this information to Experian. In response, I received a letter from them stating that the courts do not perform any activities with the credit bureaus. I submitted this letter to Experian and they are still refusing to provide me with accurate information on how they are reporting this bankruptcy on my credit report. Since, they are falsely doing so, I have decided to reach out to you for assistance.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I respectfully request that you conduct a thorough investigation into these discrepancies and take prompt action to correct the inaccuracies on my credit report. Furthermore, I kindly ask for written confirmation once the necessary corrections have been made.
Consumer complaint received 2024-06-07
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 recently conducted a credit report investigation that left me XXXX for days because I discovered facts that your agency failed to verify were true, erroneous, suspicious, and unverifiable. 

All information on my credit report must be completely accurate in compliance with the Fair Credit Reporting Act, 15 U.S. Code 1681e ( b ), and 15 U.S. These accounts violate Code 1681i ( 5 ), which prohibits reporting that is not entirely correct. All of the letters that were sent are attached below.
Consumer complaint received 2023-09-20
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. (TN)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-06-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Coinbase, Inc. (FL)

XX/XX/XXXX XXXX deposited XXXX into coinbase to store and explore some of the crypto options. I then noticed several charges going into and out of the wallet that were fraudulent. I reported this to my bank as well as coinbase. I also advised coinbase I wanted to withdraw my XXXX due to not trusting it would still be there for me when it said it would be available on XX/XX/XXXX. They advised I could cancel with my bank since it was still showing pending. However, my bank said it had come out the morning prior so they could not cancel any longer. Now that coinbase knows I was trying to get the money out due to fraud on their end, they have put a hold on that money until the XXXX. I have looked into it online and found several people reporting that this has happened to them and that they were never able to get their money out even a year after the event.
Consumer complaint received 2023-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credi
t reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC (LA)

On XX/XX/XXXX I discovered fraud against my social where store credit card was obtained in the amount of XXXX dollars from Acima. They used my information but a different address than either address Im associated with. This was established XXXX of XXXX with Acima and loans established XXXX of XXXX and XXXX of XXXX. These accounts were established using the same information, and we were Informed via email that there was a data breach of the XXXX system that allowed hackers to obtain personal information and other information about consumers. This is not being negatively impacted and Ive reported it and placed a freeze on all XXXX bureaus, so credit is not granted without confirmation with me.
Consumer complaint received 2018-08-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

On XX/XX/XXXX, I tried to make a payment of {$6000.00} to OCWEN to reinstate my home loan. I was informed by OCWEN that the property was sold on XX/XX/XXXX.. 

This was a grievous mistake on the part of the bank as the loan officer told me that I had until the end of the month, XX/XX/XXXX. 

This caused my great difficulty as I had to scramble to secure a new residence..
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

PLEASE BLOCKED AND REMOVED. 
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.
Consumer complaint received 2024-07-13
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)

HARD INQUIRIES WERE DELETED ON CONSUMER 'S CREDIT REPORT BUT HAS NOT YET REFLECTED NOR REMOVED FROM CONSUMER 'S CREDIT REPORT. ALL UNKNOWN HARD INQUIRIES SHALL BE DELETED AND REMOVED IMMEDIATELY ASAP.
Consumer complaint received 2024-04-08
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. (MD)

I HAVE BEEN GOING BACK AND FORTH WITH THE CREDIT BUREAU TO GET INQUIRIES, OLD ACCOUNTS, CLOSED ACCOUNTS AND OLD ADDRESSES REMOVED FROM MY CREDIT REPORT. IT HAS BEEN VERY STRESSFUL AND OVERWHELMING AND TO MENTION VERY COSTLY. AS PER THE FAIR CREDIT REPORTING ACT SECTION 611 ( 15 U.S.C 1681I ) THEY XXXX  DAYS TO INVESTIGATE AND REMOVE SAID ITEMS.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX, XXXX, and Transunion were all mailed letters disputing inaccurate information on my report. They are all reporting different data for the same accounts on my report. ( see attached letters ). My letters were all sent certified and they have all surpassed the thirty day period from the day it was delivered and sent me no update as to why they are reporting incorrect information. This is hurting my ability to obtain credit and they are in violation of my legal rights failing to investigate and update or delete these accounts.

I have asked them to Please remove these accounts from my credit report do to the fact that there are different dates last active reported by each bureau. How can there be different dates when this is what stipulates when the account naturally falls off of my credit?

I also have an account XXXX  which has surpassed the 7 year mark and is still showing as a negative item on my report. 

I also asked them to delete an account due to the fact that there are different late payment status displayed for all three credit bureau 's. How can each be displaying different information if the information on my report is supposed to be reported correctly? XXXX Was 30 Days Late 9 Time ( S ).

Was 60 Days Late 1 Time ( S ). Was 90 Days Late 3 Time ( S ), XXXX Was 30 Days Late 7 Time ( S ). Was 60 Days Late 1 Time ( S ). Was 90 Days Late 3 Time ( S ).

TransUnion Was 30 Days Late 4 Time ( S ). Was 60 Days Late 2 Time ( S ). Was 90 Days Late 3 Time ( S ).
Consumer complaint received 2023-08-29
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. (CA)

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 
Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXX XXXX
Consumer complaint received 2023-08-29
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. (VA)

Last XXXX I was a victim of fraud by obtaining a car loan check to purchase a vehicle but the check was cashed and I never received the vehicle. I informed the bank of this right away but was informed nothing they can do since the check was cashed and I was the guarantor of the car loan. So I am out of XXXX XXXX and have not vehicle. I have been communicating with XXXX XXXX about this and they made it very difficult to send them information and receive information. No one has taken the time to hear my story. You have to wait on the phone que for 2hrs, its a national crime and it seems like they are not doing anything to help members, in which i been a member since 2013. I followed all necessary steps to state my case in which I had to fill out there Declaration of Forgery/Fraud form, the form was filled out, but only to received a letter 30 days letter stating I am responsible for the XXXX XXXXXXXX loan. In order for me to file a police report I needed the form to give to the Police Department. 

I requested a copy of the Declaration of Forgery/Fraud form but was informed I needed a subpoena from the Police Department XXXX I am only able to receive a subpoena once I have a court date. I need the form to send to the police report to file a police report. XXXX XXXX was not helpful and refused to send me back my original documentation that only has my personal information on the phone.
Consumer complaint received 2023-09-20
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. (TX)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-10
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. (TX)

on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, experian, XXXX, and XXXX were all notified certified mail and notarized with an affidavit of truth, police report, w-2, and an invoice for violating my consumer rights pursuant to title 15 usc 1681b, reporting negative without the written consent of the consumer, also title 15 usc 1681c-2 , removing and blocking all reportings from alleged fraud in 4 days. according to title 15 usc 1681n and title 15 usc 16810, experian, XXXX, and XXXX are civilly and criminally liable for their willful non compliance and negligence