davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-11
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. (MA)

in accordance with the Fair Credit Reporting Act this creditor 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 a consumer reporting agency can not furnish an account account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
On XXXX, XXXX XXXX Reported to XXXX that I had a late payment.
Consumer complaint received 2023-10-11
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. (NY)

Social security number is XXXX on my equifax Credit report theirs is one negative item that's 90 days late its a fraud account I have a federal trade commission identity theft report on file please have equifax removed the one negative item that's fraud
Consumer complaint received 2021-08-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (TX)

We bought the home in XXXX and paid our own taxes and insurance In XXXX Ocwen tried to foreclose on us for missed payments. However, we did not miss a payment. Ocwen was stealing half of our payments and claiming they paid our taxes and insurance from XXXX. We paid them out of our pocket and have receipts. So when they took half of our payments for fraudulent escrow taxes and insurance it set us up for foreclosure. XXXX was taken from our account between XXXX in fake escrow. Let me explain. 

I will attach our old spreadsheets from XXXX and the forged ones we just got in XXXX. Here are the dates where they tried replacing all the money stolen. Ready for this? 

They put all of these fake numbers showing refunded escrow trying to hide the theft. They made us foreclose and we had to pay the attornies XXXX and XXXX for modification. Look at the attachments of all these fake escrow repayments. Then they would charge a fake returned check to them to balance it out. It's evil to the core. 

XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX All of these are fake numbers to hide the theft. I assure you! 


I want the world to read this. I have complained over and over and over. They have destroyed my mental state of mind. Every time I look at these forged spreadsheets I find more deceit. They almost took our home with their greed and now they are threatening to take it again with their greed. We cant take anymore. Someone, please help us. When we did have escrow Ocwen wouldn't pay the insurance on time so it would cancel. Then we got charged hazard insurance. Its all a sick twisted game to them. Look at the emails from the insurance agents. They hate Ocwen. Everyone does. Phh is just their scapegoat and a XXXX.
Consumer complaint received 2023-08-12
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: Experian Information Solutions Inc. (CA)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-01
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc. (GA)

I called this company and email them about three to a month ago letting them know that I was impacted it by COVID 19 and my XXXX  was not generating revenue. They asked me to have a payment plan, which was not a choice because of no income. Now they are reporting me 30 days with the credit bureau.
Consumer complaint received 2023-02-10
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: EQUIFAX, INC. (IL)

Ive disputed a XXXX XXXXXXXX XXXX XXXX XXXXXXXX Reference number XXXX with the credit bureaus XXXX, Equifax, and XXXX -Which two of them ( XXXX AND EQUIFAX XXXX confirmed the public record was verified by the court. I asked XXXX and Equifax to disclose their method of verification on the alleged bankruptcy they are reporting. They replied to me with the bankruptcy being verified. I then reached out to the courthouse and their correspondence to my letter was that they do not verify or validate information from consumers ' credit files. 

In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions.
Consumer complaint received 2023-10-10
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (VA)

Purchased {$7500.00} cashier 's check for a company that claimed they were a prominent bank and these funds they were establishing a secure account for me. I purchased the cashier 's check and deposited it in the other customer 's account in order to fund my account and supposedly protect the funds at the bank in question. This all started with my computer being sieged by a company calling themselves as working for XXXX service area. They said they were on line with the bank on a secure line. When they transferred me to supposedly the bankis when I received instructions regarding the cashier 's check and what account to deposit into. 

Contacted the bank to see why they didn't vet the business customer to ensure that they were in the business that they said they were. Also asked the bank to investigate the type of activity in the business customer 's account as I assumed I was not the only person that had been defrauded in this manner. The bank has contacted me several times and doesn't seem to understand what I am asserting about vetting their business customer.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Roadrunner Account Services, LLC (MS)

In accordance with the fair credit Reporting Act XXXX Account has violated my rights. 

15 USC 1681 Section 602 States I have The Right To Privacy.

15 USC 1681 Section 604 A Section 2 : It is Also States a consumer reporting agency can not furnish a account with my written instructions.

15 U.S code ; 1681a - Definitions rules of construction- Exclusions Except as provided in paragraph the term ''consumer report '' does not include any report containing solely as to transactions or experiences between the consumer and the person making the report ; 15 USS 1688B : A Creditor may not treat a payment on Credit card Account under an open end consumer credit plan as later for purpose
Consumer complaint received 2023-08-12
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. (MN)

CHARGE OFF IS INCOME THAT HAVE TO BE REPORTED TO THE IRS. 
XXXX XXXX XXXX XXXX has been marked as a CHARGE OFF On my CONSUMER REPORT. 
I want a 1099c sent to me. Any amount Over {$600.00} is TAX FRAUD.
Consumer complaint received 2018-05-07
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. (NJ)

This is on my credit reports, but is not my account : XXXX XXXX Summary Your debt-to-credit ratio represents the amount of credit you're using and generally makes up a percentage of your credit score. It's calculated by dividing an account 's reported balance by its credit limit.

Account Number Account Status PAYS_AS_AGREED Available Credit {$31000.00} Reported Balance {$30000.00} Debt-to-Credit Ratio 97 %
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

According to your last response to my complaint, you said " ADVERSE ACCOUNTS THAT HAVE NOT BEEN PAID IN FULL WILL AUTOMATICALLY BE DELETED XXXX YEARS FROM THE DATE OF FIRST DELINQUENCY '' XXXX : XXXX, is illegally still reporting on my credit report. this account is outdated! the date of first delinquency was XX/XX/2017. ITS BEEN 7 YEARS! THIS account needs to be Deleted off of my credit.
Consumer complaint received 2023-04-19
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. (FL)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MO)

I am sending you this letter to formally dispute this Collection Account that is still being reported on my credit report. I'm currently in the process of trying to relocate and since it is required for me to pay off this XXXX XXXX with original creditor XXXX for them to approve my application. The account is still listed as a collection on my report although I paid it off. I dont want to keep getting denied. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS (OH)

Lexisnexis is required to provide a disclosure of consumer information upon request. 
I have requested my consumer disclosure report three times. 
XXXX XXXX XXXX I have provided information documenting both my identity and my address in the form of : A scan of my driver 's license XXXX scan of the first page of my bank statement A scan of my birth certificate A scan of my social security card Every time, I have been told that they were unable to verify my identity.
Consumer complaint received 2022-10-25
Product: Credit reporting, credit repair services, 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. (NC)

( DISPUTE CODE XXXX ) ( DISPUTE CODE XXXX ) My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX
Consumer complaint received 2023-05-22
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately. 

XXXX Date Opened : XX/XX/XXXX Balance : {$8600.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$26000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) Date Opened : XX/XX/XXXX High Credit : {$180.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$23000.00}
Consumer complaint received 2023-10-10
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 am writing to you with great concern about the unresolved issue of unverified accounts that continue to mark my credit report. This marks the third written request I have submitted seeking the Method of Verification. Regrettably, your company has not only failed to provide me with the necessary information but has also persistently violated my consumer and civil rights throughout this ordeal. I want to underscore that I have diligently maintained detailed records of all my communications with your organization and am prepared to take the necessary steps to address this matter, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ). 
The presence of these unverified accounts on my credit report remains a significant obstacle to my ability to access credit and financial services. Consequently, I insist that you promptly furnish me with the following information : I demand immediate physical verification or removal of the following unverified accounts, as well as the provision of the Method of Verification.

I demand the following accounts be verified or removed immediately.

. 1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS  XXXX XXXX XXXX Account Number : XXXX Delete this account. 

2. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX XXXX XXXX I have a security freeze in place and TransUnion allowed a hard inquiry to be added to my report despite that security freeze. 

There was no attempt made to seek credit at this time and no knowledge that a hard inquiry would occur. 

I am not claiming wrongdoing by XXXX XXXX XXXX. They apparently have an allowed exception to bypass a security freeze without the person unfreezing or providing a one time PIN, but they did not have permission from me to bypass the freeze for a hard pull. 

Contacting TransUnion customer support was no help at all. They gave me a massive run around that I had to get all sorts of documentation that I have no control over producing, which has to be mailed to them, and then eventually they will remove this inquiry that never should have been allowed by them.
Consumer complaint received 2023-08-30
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: EQUIFAX, INC. (IL)

On numerous occasions I have contacted all 3 credit bureaus regarding them reporting a public record on my consumer report. After each dispute they return that the court in which the public record is being recorded has validated the account which is incorrect. I have personally contacted the local court and they have sent me proof that they do not nor have ever validated this information.
Consumer complaint received 2023-10-10
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. (CA)

I verify that these inquiries are not mine, nor do i recognize them. I demand that they be deleted and removed. 

Inquiry Source : Experian Inquiry Date : XX/XX/2023 Name : Experian Bus Info Solutions Business Type : XXXX Address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX Inquiry Source : Experian Inquiry Date : XX/XX/2023 Name : XXXX Business Type : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (TX)

EXPERIAN is obligated by the FCRA to report accurate accounting. I have advised ALL the inquiries reported were fraud. Said company had 4 days according to LAW to remove such items. I am now requesting EXPERIAN to provide the documentation used to determine inquiry was indeed authorized by the consumer, EXPERIAN has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. I am NOT asking for an e-oscor report. If EXPERIAN does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. I will be filling form XXXX XXXX  XXXX  forms to audit my account. EXPERIAN is securitizing my data yet refuse to provide me a copy of my CONSUMER FILE NOT CONSUMER REPORT.
Consumer complaint received 2022-11-29
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. (CA)

I sent a letter requesting that you reinvestigate the disputed accounts from my credit report as well as update these accounts from my report during the investigation period. As of this date, you have failed to respond to my request. Here are the accounts that I wanted to fix. 
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 2023-10-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TRUIST FINANCIAL CORPORATION (TX)

We paid off our loan on XXXX XXXX. The car loan had gap insurance and since we paid the loan off early we were due a refund on the gap insurance in the amount of {$860.00}. Per Texas law the bank Truist Bank is required to provide the refund within 60 days of payoff and as of this date we have yet to receive the refund. We have been calling the bank and the dealership and just keep getting the run around from the bank. The contract for the gap insurnace clearly stated that if the dealership didn't send the refund to the bank in a timely manner they Truist would pay us directly and take the funds from the dealership XXXX of XXXX XXXX, well that never happened and we are still waiting for our money. We have talked to several customer service reps at the bank to no avail, they keep blaming the dealership and the dealership keeps blaming the bank. Today again we spoke with XXXX at Truist Bank and she said that because they got the check late from the dealership we won't get our refund until sometime in XXXX. This is unacceptable. Whether the dealership sent the money or not the gap insurance contract clearly stated the bank would send our refund and get reimbursed through the dealership. This has not happened and the bank is in violation we just want our hard-earned money back immediatly at this point!!
Consumer complaint received 2023-02-09
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: EQUIFAX, INC. (SC)

I filed my first Equifax Data breach settlement in 2019 each time the code I save to my contacts end up missing out contacts, my address magically disappears and slightly changes, the phone numbers Ive been sending in proof for the past 4 years never get updated, Ive put in countless days, hours, time even away from my kids traveling from city to city locally getting things printed out just for them to say they never received my proof with my Drivers License Social Security Cards Birth Certificates handwritten statements on whats fraud and wrong I always get a letter back saying they need the same information I already sent a total of 28 times just to this company alone. First class requiring a signature all of that and they tell me they still dont get me and kids information. Ive sent over {$5000.00} alone on just traveling back and forth to different agencies getting print outs, the cost to print copies not just for them for other creditors such as XXXX XXXX XXXX XXXX XXXX XXXX, and like 6 other creditors, sending proof of false information tO DMV DHHS STATE ATTORNEY GENERAL OFFICE IN REGARDS TO MEDICAL DATA BREACHES ON ME AND MY KIDS INFO AND THE IRS, the gas,. The permanent mental damages emotionally and severe XXXX copies of bank statements copies from fraud student loans I never receive any settlement and Ive had 4 different claim numbers due to remotely somehow them being deleted or taking out my home. All behind someone spoofing and framing me for debt thats not mine. Ive reached out multiple times never get a response back.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act, XXXX  XXXX  account # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX. XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602A States I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2, It also states a consumer reporting agency can not furnish an account without my written instructions.