davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-28
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. (CA)

AN ACCORDANCE OF FAIR CREDIT REPORTING ACT XXXXXXXX XXXX XXXX WITH THE ACCOUNT NUMBER # XXXX HAS VIOLATED MY RIGHTS UNDER 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604A SECTION 2 IT ALSO STATES THAT CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY READING INSTRUCTIONS. UNDER 15 USC 1666B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN AND CONSUMER CREDIT PLAN AS LATE ON ANY PURPOSE. ALSO, 2019 WAS A XXXX YEAR AND COMPANIES DID NOT HAVE A RIGHT TO REPORT ANY NEGATIVE STATEMENTS TO CREDIT BUREOU. 

PLEASE REMOVE THAT ONE TIME MISSED PAYMENT FROM MY CREDIT CARD HISTORY AND REPORT IT AS PAID ON TIME TO CREDIT BUREU.
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (WA)

I recently came across an XXXX XXXX closed/charged off account that was disputed back in XX/XX/XXXX to company directly and the account was later removed from only my XXXX credit profile on XX/XX/XXXX, but it is still reporting on my XXXX XXXX as a open account which inaccurate and also on my Experian credit profile as a negative account, this is a violation of my consumer rights, this inaccuracy has been harming my credit worthiness and I would like this account removed from both my XXXX XXXX and Experian credit profile immediately because all 3 credit bureaus needs to reporting the same accurate information. 

Account Name : XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-06-17
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SECURITY FINANCE CORP (GA)

I know I owe Security Finance for a loan. I have told them I have had some financial set backs and will pay them as soon as I can. I can handle them continuously calling me but they keep calling the references on my application and harassing them. Calling them at work, when there at the doctors office over and over again and then being rude when they answer. I have told them on the phone and in writing to stop contacting my references and to not call my work again. They don't think they have to follow the rules.
Consumer complaint received 2024-07-07
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. (NJ)

I have received your computer-generated notice informing me that you did not do any action or investigation for the disputes I sent out last time because you think I may have used a third-party credit repair company. Not only do I think this is just your delaying tactics to get an extra 30 days to fulfill my first request, but I also think it's a clear violation of the Fair Credit Reporting Act. Again, please be informed that you are reporting inaccurate and incomplete information on my credit report.
Consumer complaint received 2024-05-18
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. (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 : XXXX XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX - Account XXXX Account Name : XXXX XXXX XXXX - Account XXXX Account Name : XXXX - Account XXXX Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) - Account Number : XXXX Account XXXX : XXXX XXXX ( Original Creditor : XXXX XXXX ) - Account Number : XXXX Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX ) - Account Number : XXXX, has violated my rights .

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 2024-05-20
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. (CA)

PLEASE SEE ATTACHED DOCUMENTS INCLUDED WITH MY FTC REPORT XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX CT XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX XXXX
Consumer complaint received 2024-05-19
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. (TX)

The following inquiries are unauthorized : XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX  XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX To be clear, I did not apply for any of these accounts. You are reporting an inquiry that does not belong to me, which is a violation of the Fair Credit Reporting Act.
Consumer complaint received 2019-07-04
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: CREDIT ACCEPTANCE CORPORATION (NY)

HERE IS A LIST OF ACCOUNTS AND INQUIRES THAT IS ON MY REPORT 1.TXXXX XXXX XXXX. IN THE AMOUNT OF $ XXXX DATE OPENED XXXX 2. CREDIT ACCEPTANCE CO . IN THE AMOUNT OF $ XXXX DATE OPENED XXXX 3.XXXX XXXX XXXX IN THE AMOUNT OF $ XXXX DATE OPENED XXXX LIST OF INQUIRES 1.XXXX XXXX 2.XXXX XXXX  XXXX XXXX 4.XXXX  XXXX 5.XXXX  XXXX 6.XXXX XXXX XXXX XXXX XXXX 7.XXXX 8.XXXX XXXX 9.XXXX XXXX XXXX XXXX 10.XXXX 11.XXXX XXXX 12.XXXX  XXXX XXXX XXXX 13.XXXX XXXX   14.XXXX XXXX XXXX 15.XXXX XXXX XXXX XXXXXXXX 17.CREDIT ACCEPTANCE 18.CXXXX XXXX  19.XXXX XXXX XXXX 20.XXXX 21.XXXX XXXX  XXXX 22.XXXX XXXX XXXX XXXX 23.XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$290.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2800.00}, XXXX ( Date Opened XX/XX/XXXX, Balance : {$560.00} ), XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$490.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1100.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2024-07-01
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. (GA)

n 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 : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A States I have the right to privacy 15 U.S.C. 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an 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, 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 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I received info stating that these accounts were verified please send verification of the steps yiu took to verify this information according to15 U.S. Code 1681i - Procedure in case of disputed accuracy 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.15 U.S. Code 1681i - Procedure in case of disputed accuracy for the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NJ)

XX/XX/XXXX Subject : Ocwen Financial Corp. Consumer Lending and Foreclosure Practices XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX , FL XXXX ( XXXX ) XXXX Good afternoon, My name is XXXX XXXX XXXX and I owned the property at XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX, which is now being auctioned off by Ocwen as a foreclosure. 

I am writing to inform you of the horrendous mortgage lending practices of Ocwen and demand that this foreclosure be removed from my credit report and my husband, XXXX XXXX and I be removed from the property as owners of recordas this home is in limbo. 

We purchased this home in XX/XX/XXXX through predatory lending practices. This loan would have never been permitted under the Mortgage Reform and Anti-Predatory Lending Act - Title I : Residential Mortgage Loan Origination Standards - ( Sec. 102 ) Amends the Truth in Lending Act ( TILA ), which was passed in XX/XX/XXXX, to prescribe fiduciary standards for originators of residential mortgages, including complete and timely written disclosure of : ( 1 ) the comparative costs and benefits of each residential mortgage loan product presented by the originator ; ( 2 ) the nature of the originator 's relationship to the consumer, including the cost of services provided by the originator ; and ( 3 ) any relevant conflicts of interest between originator and consumer. 

Still, we paid on our home for 10 years. In XX/XX/XXXX, my job was moved to New Jersey and we had to move. We immediately put the home on the market with XXXX XXXX XXXX in XXXX, MA. Because we were now renting in New Jersey, we could no longer keep up with payments. 

This home had multiple offers, which were approved and moved toward closing. Despite Ocwen approving a short-sale, they never followed through with any of the offers. This home could have been sold and off the books in XX/XX/XXXX. That is over 2 years ago. Instead, Ocwen pushed this home into foreclosure and still lists us as the owner of recordprohibiting my family of five from being able to secure a mortgageeven though we have very solid income, good credit and no debt. This is absolutely unacceptable and Ocwen should be held accountable. 

I appreciate you taking the time to investigate this! Please share your response. 

Best Regards, XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

I have reviewed my CONSUMER reports and i noticed that I had XXXX late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in on dates of ( XXXX, XX/XX/2021 ). Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I DEMAND these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! please see screenshot attached
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

The information on this account has been changed XXXX times incorrectly. My XXXX XXXX XXXX account originally showed up as being late in the month of XXXX. I disputed this information because the account was never late. Shortly, there after the account was fixed and showing that it was on time for XXXX and the late payment history was removed. Then about XXXX weeks ago the account was saying that it was on time for XXXX, but was now late for XXXX. Which made no sense because it was the beginning of XXXX then I disputed this account again and the result was that it was late for XXXX, but on time for XXXX. Which again makes no sense. Again this account has never run late! So the information has changed twice and is still incorrect.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

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 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

Please take a look at the attached letters and ID docs for verification that it is I XXXX 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 2024-04-25
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. (LA)

I am writing to challenge the reporting and compliance of my credit report. 
1

5 U.S. Code 1681c2 ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of. It has been 30 days and you are in VIOLATION of this law because i am a victim of identity theft!! Please delete all items mentioned in my XXXX report off my credit report.

These accounts should not be furnished on my consumer report as they are in VIOLATION Under 15 U.S. Code 1681b a ) In generalSubject 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 have NEVER given any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of all accounts listed IMMEDIATELY!
Consumer complaint received 2024-05-20
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: Experian Information Solutions Inc. (TX)

Dear Consumer Financial Protection Bureau, I am writing to seek your urgent assistance regarding several unauthorized hard inquiries on my credit file that have severely impeded my ability to achieve financial equity. Despite numerous attempts to rectify this issue with the credit bureaus, these hard inquiries remain on my record, causing significant harm to my financial standing. 

I would like to bring to your attention the following points : Unauthorized Hard Inquiries : The hard inquiries on my credit file were neither authorized nor ever consented to by me. I am a victim of identity theft, and my personal information was compromised during the XXXX breach. As a result, fraudulent activities have been conducted using my identity. 

Failure of Credit Bureaus : Despite providing substantial evidence and following due process, the credit bureaus have failed to remove these unauthorized inquiries from my credit file. This negligence has resulted in ongoing financial difficulties for me. 

XXXX Documentation : Enclosed with this email, you will find documentation from XXXX confirming that these inquiries should have been removed. However, these unauthorized inquiries still appear on my credit report, indicating a failure to follow through on their part. 

Merchant Routing Back to Credit Bureaus : When I contacted the merchants responsible for these inquiries, I was repeatedly routed back to the credit bureaus. This cycle of deflection has left me without a clear resolution and continues to impact my financial health negatively. 

Thank you for your attention to this critical matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX
Consumer complaint received 2024-05-19
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. (MD)

I did a soft pull according to a website and it was reported as a hard injury. I tried to talk to XXXX XXXX and said go to XXXX XXXX  and they said they could not write a letter of deletion so I can send to alll XXXX credit bureaus.
Consumer complaint received 2023-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: OneMain Finance Corporation (CO)

XXXX XXXXXXXX XXXX XXXX by One Main Financial collects an image of a clients social security card, drivers license, and bank statements at the time of application. They site these items are collected for identification and address verification. I was immediately approved and within a couple days received an email telling me my card has shipped. My address for the card that reflected on their mobile application correctly in full. A month from the time of approval I contacted them to inquire on my card. I was then informed my unit number was missing and I would have to submit an email with more address verification ( another bank statement ) to have my unit number added. I asked why they couldnt reference the statement I had provided, or the image of my drivers license with the correct address, or XXXX XXXX which has the full address. No clear answer was provided. I was told I had to email their back office team my bank statement and it would be another XXXX business days a minimal to receive my card. This seems unfair given all the information I provided can not be referenced but this credit card it already reporting on my credit.
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX 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 2019-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

To whom it may concern : Thanks for your time helping me, the credit card co is called : Union Bank Visa. i've purchased some merchandise on line from XXXX in XXXX last year, for the amount of {$220.00} and i've returned some of the items to them and got refund of {$93.00} on XX/XX/2018. 
When I've received my credit card statement, I saw XXXX  did issue me a credit of {$93.00}. but Union Bank Visa charged me for {$93.00} again as a " security adjustment '' and it happened exactly the same as another charge of {$10.00} on XX/XX/2018. I've tried to contact them since this XXXX, they asked me to call their fraud dept at XXXX, ext : XXXX and talked to XXXX, I've tried more than 20 times since XXXX, she never picked up the phone, and only returned my phone one time and after I tried to call back, it was just as before, can't get hold of her till I finally I talked to her on XX/XX/XXXX and explained the situation, she kept telling me the security adjustment is a credit, but after I asked her to calculate the total for my balance, it proofed it's not a credit, its a CHARGE! then she said she will call me back and hung up on me! After that she never called me back no matter how many messages I've left on her. I even talked to two supervisors at their customer service and complained about that, all they said is they can't do anything, I can only talk to XXXX! 
The most ridiculous thing is when I received my XXXX statement, they charged me those 2 items again plus the late fee and interest! I've talked to their customer service and one of their rep is very helpful, she told me she heard lot customers complained about XXXX, but there is really nothing she can do over there, she just helped me to wave the late fee and I asked her to make sure to dispute those charges till they can finally solve my problem and she said sure. 
I just received my XXXX statement, and they charged me the late fee AGAIN also includes the charge they over charged me. Now my balance is {$230.00} including the late fee, interest and 2 items they've over charged me 2 times! 
I will be really appreciated for your time and help, really hope you can solve this problem for me, I believe they know their system has this problem and keep charging customer by " security adjustment ''. I will be highly appreciate to hear from you soon. 
Thank you very much!