davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to file a complaint regarding an inaccurate late payment reporting on my XXXX XXXX  account by Experian. Specifically, Experian is reporting a 30-day late payment on my car loan in XX/XX/XXXX, which is not accurate. 

On XX/XX/XXXX, I made a payment of {$390.00} to XXXX XXXX  for my car loan. However, the next statement generated by XXXX XXXX  showed a payment of {$390.00} was due on XX/XX/XXXX. I did a trade-in of my vehicle, a XXXX XXXX XXXX XXXX on XX/XX/XXXX, in which the dealership was supposed to pay the payoff amount to XXXX XXXX Therefore, this late payment is not reporting accurately, as the payment to XXXX XXXX  was the responsibility of the dealership, not me. I drove off with a new car on XX/XX/XXXX. 

I have attached supporting documentation, including the statement from XXXX XXXX  showing the payment of {$390.00} I made towards the car note on XX/XX/XXXX, the statement from XXXX XXXX  showing a payment of {$390.00} due on XX/XX/XXXX, and the sales contract for the new car, dated XX/XX/XXXX, which includes additional details regarding the vehicle trade-in.
Consumer complaint received 2022-12-13
Product: Credit reporting, credit repair services, 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. (TX)

I have contacted the reporting credit agency that XXXX is reporting a repeating charge off for more than XXXX XXXX 

They simply updated the charge off of in XXXX. How we this continues inaccurate reporting was cause for a deletion due to the damage caused by the improper reporting. 

Which has continue to update for since past the XXXX  day charge off statute The balance was still showing it shouldnt have due to it being charged off. 

XXXX showed my last payment as XXXX XXXX XXXX XXXX and Experian showed last payment as XX/XX/2018 A high credit amount was shown on XXXX as {$4500.00} While XXXX and Experian showed high credit as {$4700.00} Date last active on all 3 Experian, XXXX, XXXX are all showing 3 different dates. 


Due to the inaccurate reporting I asked for this account to be deleted. 

It has impacted my credit due to the length of inaccurate report provided to the agencies. 


Has violated my rights with fair credit reporting act. 

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. 


The fact that this charge off was simply updated and not deleted is a clear violation with the fair credit reporting act.
Consumer complaint received 2022-11-03
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. (GA)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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
Consumer complaint received 2022-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

I have contacted the reporting credit agency that lendmark is reporting a repeating charge off for more than 180 days. 

They simply updated the charge off of in XXXX. How we this continues inaccurate reporting was cause for a deletion due to the damage caused by the improper reporting. 

Which has continue to update for since past the 180 day charge off statute The balance was still showing it shouldnt have due to it being charged off. 

Equifax showed my last payment as XXXX XXXX 2018 XXXX and XXXX showed last payment as XX/XX/2018 A high credit amount was shown on equifax as {$4500.00} While XXXX and XXXX showed high credit as {$4700.00} Date last active on all 3 XXXX, XXXX, equifax are all showing 3 different dates.

Due to the inaccurate reporting I asked for this account to be deleted. 

It has impacted my credit due to the length of inaccurate report provided to the agencies. 


Has violated my rights with fair credit reporting act. 

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. 


The fact that this charge off was simply updated and not deleted is a clear violation with the fair credit reporting act.
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NV)

Ive tried more than 6 times disputing these facts with Experian but they arent completely comprehending XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2023-09-05
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. (TX)

I have previously disputed this item with you and in response you verified the item as accurate stating you verified with the court, I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureaus for that matter therefore your original response verifying was either in error or a LIE either way the reporting requirements do not comply with the FCRA section 611 15 USC section 1681 and the information must be deleted immediately.
Consumer complaint received 2023-11-11
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: EQUIFAX, INC. (NC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of inquiry : XX/XX/2023, XXXX Date of inquiry : XX/XX/2023, XXXX XXXX Date of inquiry : XX/XX/2023, XXXX Date of inquiry : XX/XX/2023 & XXXX Date of inquiry : XX/XX/2023.
Consumer complaint received 2016-10-10
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Onity Group Inc. (CA)

Several years ago I had a loan modification done on my home with Ocwen loan services LLC. Apart of that was a balloon payment at the end of the loan. It would be based on the value of the house at the time and the loan had a 6.875 percent interest rate. XX/XX/XXXX I decided to refinance my house hoping to reduce the interest rate. So i contacted my bank XXXX XXXX on XX/XX/2016- XXXX XXXX of XXXX XXXX Calif . They came by and did the appraisal of the house for XXXX XXXX. A couple of weeks later I was contacted by another appraiser wanting to appraise the house and asked who ordered the appraisal. I was told Ocwen. Since i was not contacted by Ocwen with their request i said no. I immediately contacted XXXX XXXX, they contacted Ocwen and offered to send them a copy of the XX/XX/2016 appraisal for their use.Ocwen agreed and have been sent the appraisal several times. Ocwen has used every excuse possible, from " they had not received it '' to " they needed it in color ''. Now their current excuse is that " the appraisal has expired ''. It is XX/XX/XXXX and this started in XX/XX/XXXX.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NV)

I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.
Consumer complaint received 2022-12-13
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: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (NV)

The below listed collection companies can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of these accounts inaccurate. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of these account as a debt is inaccurate. I never received a 1099-C from XXXX XXXX XXXX XXXX LVNV Funding, LLC nor from Portfolio Recov Assoc for the cancelled debts in order to file as ordinary income. Where is my 1099-C from these collectors? Where are any copies of the IRS forms they were required to submit? They are clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than {$600.00} ( but also for any amount ). This is unsatisfactory at best and CRIMINAL at worst.

The below noted " collectors '' have been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information and I am ordering them to REMOVE these reports from the three credit agencies : XXXX, XXXX and XXXX. 

CHARGED OFF ACCOUNTS REPORTING : XXXX XXXX XXXX Balance {$620.00} Balance updated XXXX XXXX, XXXX  LVNV FUNDING LLC Balance {$670.00} Balance updated XXXX XXXX, XXXX  LVNV FUNDING LLC Balance {$550.00} Balance updated XXXX XXXX, 2024 PORTFOLIO RECOV ASSOC Balance {$450.00} Balance updated XXXX XXXX, XXXX
Consumer complaint received 2023-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NE)

I inadvertently scheduled XXXX full balance payments, XXXX for XX/XX/XXXX, and another for XX/XX/2023 to Bank of America credit card. This resulted in a negative balance on my credit card. Then I received an email from BOA on XX/XX/XXXX to ask if Id made a mistake and to call if I had, I called the number emailed to me. This was the first of XXXX phone calls over the course of the next week. 
XXXX payment was given back to my checking account however BOA also added/applied this ACH refund back to my credit card balance as well. I called my bank, XXXX XXXX Bank, XXXX, and asked if XXXX of my payments went through. They confirmed XXXX payment of {$1400.00} was paid and therefore resulted in an XXXX  charge against my checking. My bank forgave this charge and also confirmed that a transfer of {$1400.00} was made and deducted from my account. Bank of America says it was returned unpaid. I went to my bank and they supplied me with a letter of Checks paid against insufficient funds along with my checking account statement that does indeed show that XXXX of my payments was taken from my checking account and paid. 
I have spoken with many customer service representatives from BOA to ask the to see that my account has XXXX payments but also XXXX charges for {$1400.00}, showing no payment at all. They tell me it was returned unpaid. 
I have documentation of both the deducted payment from my checking and from my BOA credit card showing no reduction in my balance.
Consumer complaint received 2016-01-18
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NV)

OCWEN LOAN SERVICING , LLC continues to use the United States Postal Service to mail fraudulent statements to me on a monthly basis, claiming I owe them over {$500000.00}. I never contracted with OCWEN LOAN SERVICING , LLC . They continue to telephone on a weekly basis demanding unsubstantiated amounts, usually in the range XXXX of dollars at a time. I have written many times asking for verification of this alleged debt and have not received proof they are the holder in due course.
Consumer complaint received 2022-09-23
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (GA)

On XX/XX/2022, consumer applied for an extension of credit via a credit application to acquire property for personal, family, and household use. Consumer completed this application with CARDINAL FINANCIAL COMPANY. On XX/XX/2022, CARDINAL denied consumer 's application for an extension of credit. The ECOA makes it clear that no creditor shall discriminate against any applicant with respect to any aspect of a credit transaction because the applicant has in good faith exercised any right under the CCPA. CARDINAL failed to send an adverse action letter to consumer within 30 days of receiving a completed application. On XX/XX/2022 Consumer sent CARDINAL a correspondence to remedy the discrimination and violation, but CARDINAL failed to accept my offer or counter my offer. In my correspondence, CARDINAL declined to compensate me for the discrimination and also failed to address the approval for the extension of credit.
Consumer complaint received 2024-03-08
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. (FL)

This XXXX XXXX XXXX account was opened by fraud and shall delete from my credit report by LAW. Account number XXXX with a balance of {$7200.00} is inaccurate and I request the company to provide me with the proof of ownership to see how this account was opened without my knowledge. 
Delete this inaccurate fraud account from my credit report.
Consumer complaint received 2022-09-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-07-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc. (NY)

It has recently come to my attention that neither XXXX XXXX  nor its parent company XXXX XXXX XXXX. is licensed to collect any debts in XXXX XXXX  XXXX. XXXX XXXX XXXX was licensed by XXXX Department of Consumer Affairs ( DCA ) from XX/XX/XXXX through XX/XX/XXXX. 
The current status of this debt collectors license is INACTIVE. ( See attachment ) Business whose principal purpose is to regularly collect or to attempt to collect personal or household debts from XXXX XXXX XXXX residents MUST HAVE A DEBT COLLECTORS LICENSE no matter where the agency is located, including outside of New York State. XXXX XXXX nor its parent company XXXX XXXX XXXX is licensed to collect debts from XXXX XXXX XXXX residents ( see attachment ) and has no right to try to collect this alleged debt. Nor do they have the right to report attempted collection of this alleged debt to any persons through any mediums.
Consumer complaint received 2022-09-23
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. (NV)

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

I do not have an account with this creditor. I have disputed this account on several occassions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-23
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: Experian Information Solutions Inc. (NC)

It appears that my credit file has been compromised when I sent Bureaus Letter last XX/XX/XXXX, XXXX.Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The disputed items do not belong tome. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$13000.00} XXXX  XX/XX/2022 If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.