davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Under 15 U.S. Code 1692g ( Validation of debts ) and 15 U.S. Code 1681s2 ( Responsibilities of furnishers of information to consumer reporting agencies ), all information reported on my credit report must be accurate, complete, and verifiable. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ) ( Treatment of inaccurate or unverifiable information ), any inaccurate or unverifiable information must be corrected or deleted from my credit file, and 15 U.S. Code 1681e - Compliance procedures. 
The specific inaccuracies I have identified include : 1. Account Number Discrepancy : The account number appears as XXXX on XXXX XXXX while it appears differently on other credit reports. 
2. Account Status : The account status is inconsistent ; on one report, it says " Paid, '' while on another, it says " Closed. '' 3. Date Opened : The " Date Opened '' reported is inconsistent with other information.

4. Payment History : The payment history reported does not match the actual account history. 
Given these inaccuracies, I am requesting a thorough investigation into this matter and demand that all erroneous information be corrected or removed. I expect written confirmation of the resolution within XXXX days of receiving this letter. 
Please be aware that if my request is not addressed within the stipulated time frame, I am prepared to take legal action to seek damages. As per the FCRA, I am entitled to claim {$1000.00} in damages for each inaccuracy on my credit report. 

XXXX
Consumer complaint received 2023-10-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: CARRINGTON MORTGAGE SERVICES, LLC (IL)

We have been attempting for 4 years to get a loan modification through Carrington Mortgage Services but have been yet unsuccessful. My father passed away in XXXX and we started the process them to have him removed and myself added but they have not been able to work with us. They have continually come back and requested more paperwork ( Death Cert, Affidavidt of Death, Probate ) among other things. We can easily afford to stay in the house and resume the montly payments and even pay more if needed but in the meantime they pursued forclosure and now have a sell date of XX/XX/XXXX. I have even gone as far as filing for XXXX to protect us in hopes they would be able to work something out, but they have refused to help. We are seeking any help we can get, my attorney has even been unsuccessful in working to get a modification pushed through. I can provide a trail of docs that go back several years to show we have had every intention of keeping the home
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.
Consumer complaint received 2024-03-13
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-09-23
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: Experian Information Solutions Inc. (NM)

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.

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 2023-09-15
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: World Omni Financial Corp. (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX BalanceOwed : {$380.00}.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX BalanceOwed : {$380.00}.
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I recently received and reviewed a copy of my updated credit report and I still have seen inaccurate and misleading information being reported. These inaccuracies are causing me significant financial distress and need immediate attention. 

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 XXXXEquifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I have had a wave garnishment sitting at my employer now since XXXX and they company sent me notice today XX/XX/XXXX that they are going to try to garnish me again for the same debt that is waiting for a turnover letter
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (WI)

I have a current fraud alert for unrelated incident. However, recently notified by XXXXXXXX XXXX that my info was involved in info breach. XXXX XXXX XXXXXXXX inquiries not mine wish to have removed from credit file.
Consumer complaint received 2023-10-12
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIRST NATIONAL BANK OF OMAHA (AR)

I received a correspondence today, XX/XX/2023 that I paid {$140.00} or so and that I have a XXXX balance, I always verify as i dont trust this firm as had problems prior when I filed a complaint against FNBO . 

I called the number on the card XXXX at XXXX hours and went thru the promps... .says I do not have an account, this is news to me. 

Then i was put on hold to find out why I do not have an account anymore. 

Never got thru after hold time of over XXXX minus, what is going on over there?
Consumer complaint received 2023-10-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (VA)

I am the victim of identity theft. There are accounts that were opened without my knowledge or consent. I became aware of these accounts and filed a police report with the XXXX Va Police Department. After further investigation I discovered it was a family member XXXX XXXX who stole my information and used to open fraudulent accounts. I have made all three credit bureaus aware that these are not my accounts and also sent in documents from FTC and police report. All three credit bureaus have ignored my request despite my police report and Ftc report. I have reached out to all three credit bureaus 4 times and no response.
Consumer complaint received 2024-09-23
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: LEXISNEXIS (TX)

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2023-10-11
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Atlanticus Services Corporation (IA)

XX/XX/2023 I received a credit card from a company and on the card was an activation sticker for Fortiva. So I called the number to activate the card and the automated system couldn't find my information. So I spoke with a man who couldn't find it either and asked for more information to " try to find it ''. I didn't think anything of it because it's not unheard of for companies to outsource certain things. It didn't seem odd that Fortiva may have been handling the activations for my card company. Well, the man said he couldn't find the account and told me I should reach out to the company that I got the card through. I asked him who I should speak with about the sticker being on my card and he hung up which seemed odd. So I trying looking the number up, and clearly it's a ghost number. So I called Fortiva directly from the number on their website to discuss the issue with their fraud/scam department ( concerned I just gave my private info to a scammer ). They looked for my account ( which I explained that I do not have ). The lady informed me that I can't do anything with fraud or scams unless I have an account. She offered to transfer me to applications. I explained that I am not interested in an account, but I am concerned that there is a scammer pretending to be a representative of Fortiva with activation stickers being placed on credit cards to gather personal information. She stood her ground that there was nothing they could do unless I had an active account with them. Thankfully the company I received the card from was quick about canceling the card and marking it for fraud, but it still raises the question for me as to how and why this activation sticker was put on my card with a ghost number for people pretending to work for Fortiva.
Consumer complaint received 2023-09-03
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: EQUIFAX, INC. (AL)

Hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act. The lists of accounts below violates my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Nation Credit Adjust : XXXX, XXXX XXXX XXXX : 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 crime 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 2024-09-23
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. (NY)

Experian credit reporting company advised me via email on XXXX  XX/XX/year>, that XXXX XXXX Bank had made a " hard '' credit inquiry. I did not recognize this inquiry nor did I authorize this inquiry. This inquiry will show on my credit report for 25 months if it is not removed beforehand. I disputed this inquiry with Experian today, XX/XX/year>.
Consumer complaint received 2024-09-23
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. (IL)

I am reaching out for your help concerning this false account being reported on my credit report. This matter has severely affected my reputation, and I need your intervention. Your mishandling of my credit report has led to my downfall, as this false reporting has tarnished my reputation. Please ensure that this false information is removed from my credit report.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

Hello- I have been disputing the reporting inaccuracies on the following account since XX/XX/2023. 

Account Name : [ XXXX ] Account Number : [ XXXX ] for the reporting on the following dates : XXXX This account is closed and should not be reporting active late payments. Upon review, I have observed that this account continues to be reported as having a late monthly payment history, even though it should not due to its charged-off status. This constitutes a direct breach of the Fair Credit Reporting Act ( FCRA ) as it inaccurately influences the statute of limitations. 

This reporting violates the following consumer laws- 15 U.S. Code 1681a - Definitions ; rules of construction I U.S. Code | US Law | LII / Legal Information Institute 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Under the Fair Credit Reporting Act, Metro 2 Compliance Guidelines, and other pertinent Consumer Protection Laws, I, XXXX XXXX, hold the right to have accurate XXXX current, and complete information on my credit report. Late payments fall under transactions & experiences and are illegal to continue to report as stated by the FCRA. 

Experian has been non-responsive, is well past 30 days for updated reporting and continues to instead send letters and emails to my address accusing me of not being myself and not acting on my requests.
Consumer complaint received 2023-07-09
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: Experian Information Solutions Inc. (PA)

This Fraudulent account appearing on my credit report. XXXX. XXXX XXXX XXXX This account was removed from my transunion account immediately please remove from experian and XXXX as well.
Consumer complaint received 2024-03-13
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. (AL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-10-11
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CarMax, Inc. (PA)

CarMax Auto Finance engaged in knowing and willful fraud during a consumer credit transaction on XX/XX/2020. I firmly believe this transaction is void due to deceptive practices. They failed to provide adequate notice about finance charges and imposed unnecessary insurance, already included in the finance charge, infringing on my consumer rights. 

Insufficient finance charge notice deprived me of an informed choice. Pressure to buy additional insurance placed an unjust financial burden on me. Worse still, CarMax Auto Finance unfairly furnished incomplete and inaccurate information on my credit report, damaging my credit and credibility. 

I strongly assert that CarMax Auto Finance 's deceptive practices nullify the contract due to fraud. I urgently seek your assistance to investigate, rectify my credit report, and shield others from such practices.
Consumer complaint received 2024-10-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: REGIONS FINANCIAL CORPORATION (TX)

Per attachment, " Offer Code '', I registered for the {$300.00} checking account bonus on XX/XX/XXXX and opened the account shortly after. 

As shown in the " Offer confirmation '' pdf, I met the promotion requirement by direct depositing more than {$1000.00} and enrolling in the online bank and bank confirmed that {$300.00} would be paid by XX/XX/XXXX. 

I tried to transfer money into my checking account on XX/XX/XXXX and it did not work so I called on XX/XX/XXXX to investigate the issue. Upon calling the local branch Regions bank at XXXX, XXXX XXXX, she mentioned that I needed to submit proof of address so I forwarded my lease and utility bill to her only to find out that my account is closed and my bonus is cancelled/overridden manually by someone and she can't do anything about it. 
Attached " follow up '' is the proof that I sent in the utility information. Another thing to note is that they never informed me of the request via email, message or physical mail of utility information to verify my physical address until I called them. It appears that it was a cheap, sneak trick to deny my bonus by closing my account based on nothing.
Consumer complaint received 2023-10-11
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Bureau of Fort Walton Beach, Inc (OH)

I sent a letter requesting debt validation in XXXX. Instead of validating the debt, they sent a list of my medical records which I know is a direct violation of XXXX regulations. This agency failed to validate my debt and violated my privacy rights as a result. I understand that debt XXXX are required to use minimal information necessary to identify individuals with information such as name, date of birth, address, social security number, name/address of the facility, etc. I never signed a XXXX form authorizing this debt collector to have access to this personal medical information.
Consumer complaint received 2021-03-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NY)

as per phone call re:XXXX Plus : 1.Extension of Loan to 46years without stating the correct principal balance put me in an awkward position. 

2.LOAN number is the same for both loans except during a verbal inquiry they referenced court agreement in XX/XX/2012 ; there is no such agreement as per my attorney on record.