davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-02
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: EQUIFAX, INC. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern : I received a copy of my credit report, and I found an account thats reporting that I have no knowledge of. I'm aware that your job is to ensure the accuracy of my credit report. Below is the name of the account. 

ACCOUNT NAME : XXXX XXXX Please forward me any documentation providing proof that this account belongs to me. If you cant provide such documentation, then please DELETE THIS ACCOUNT from my credit file immediately. 




Sincerely, XXXX XXXX
Consumer complaint received 2023-04-09
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. (GA)

Account XXXX is inaccurately reporting on the credit profile associated with my social security number and is violating my consumer rights per the following information : Based on the information provided, there appear to be some inconsistencies on this credit report. Specifically, there are some discrepancies regarding the account type detail and the credit limit. Additionally, the account status is listed as derogatory, which conflicts with the fact that the balance is {$0.00} and the monthly payment is {$0.00}. 

These inconsistencies violate the Fair Credit Reporting Act ( FCRA ) Section 607 ( b ), which requires credit reporting agencies to maintain " reasonable procedures to ensure maximum possible accuracy '' of the information contained in a consumer 's credit report. 

The fact that the account type detail is listed differently across the three credit reporting agencies is a violation of this section, as it can lead to confusion and misinformation about the consumer 's credit history. Similarly, the fact that the credit limit is listed as {$200.00} on two reports and {$0.00} on one report also violates this section, as it presents conflicting information that could negatively impact the consumer 's credit score.

Finally, the fact that the account status is listed as derogatory, despite the fact that there is no balance and no monthly payment, also violates FCRA Section 607 ( b ), as it can lead to an inaccurate representation of the consumer 's creditworthiness.
Consumer complaint received 2023-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.
Consumer complaint received 2023-05-31
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: W&A Intermediate Co., LLC (KS)

I wrote to Wakefield & Associates6 requesting validation of an alleged debt under 15 USC 1692, after learning that theyre reporting such to the credit bureaus. I sent the request certified mail, return receipt requested ( see letters, receipts attached ). They received my initial request and failed to respond in a timely manner. I sent them notice stating that their failure to respond was a violation of federal law and they had a duty to cease reporting of alleged debt. They continue reporting.
Consumer complaint received 2023-06-02
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: EQUIFAX, INC. (NV)

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2023-04-09
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. (TX)

I am writing to request that the XXXX XXXX account with account number XXXX be removed from my credit report as soon as possible. This account was opened fraudulently, and I am a victim of identity theft.
Consumer complaint received 2023-05-31
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: Experian Information Solutions Inc. (NY)

Inaccurate Inquiries on Credit Report XXXX  ( Finance ) XX/XX/2022 XXXX  XXXX XXXX  ( Bank ) XX/XX/2022 XXXX ( Finance ) XX/XX/2022 XXXX
Consumer complaint received 2023-02-01
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. (FL)

Transunion phone # ( XXXX ) XXXX is Reporting XXXX XXXX XXXX XXXX XXXX phone # XXXX to my credit report this is a fraud account please remove off my credit report thank you. 


According to the Fair Credit Reporting Act ( hereafter referred to as " FCRA '' ), Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. Therefore, I am demanding to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account
Consumer complaint received 2021-05-19
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: EQUIFAX, INC. (FL)

Today XX/XX/XXXX i checked my credit report and i saw two accounts thats on it without my permissible use. I never did business with these 2 companies on my credit report. I reached out to the vcredit bureau and they explained to me that i need a ftc report since i did not recognized these accounts. Also, i have a address on my credit report that i have never lived at. It is listed on the ftc report. I am asking that these account be removed from my equifax and XXXX  credit report because i did not authorized or did business with them.
Consumer complaint received 2018-10-08
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (IN)

Dear CFPB : I found this inscrutable notation on my credit report -- ENHANCED RECOVERY COMPAN # XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX ( XXXX ) XXXX Placed for XX/XX/XXXX Balance : {$190.00} Pay Status : >In Collection< Page 2 of 13 collection : Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Date Updated : XX/XX/XXXX Original Amount : {$190.00} Original Creditor : XXXX XXXX ( Cable/Cellular ) Past Due : > $ XXXX< Remarks : >PLACED FOR COLLECTION< Estimated month and year that this item will be removed : XX/XX/XXXX Now, there are three things wrong with this collection agency 's attempt to place this on XXXX, XXXX and XXXX -- all three bureaus. First, they are admitting on their own report that whatever creditor they purport to represent only dealt with my " agency or attorney '' -- in short I've never signed a " charter communications '' contract in my life in my personal capacity. Second, I have never lived in Florida, which is maybe where this creditor is from -- at least where the collection agency is from. Third, the amount in question will disappear from my credit in XXXX, which means that it dated from five years ago back in XXXX, and it just now is popping up on my credit, which is highly suspicious. As a bonus problem, the amount is {$190.00}, which of course would be much more than any month of a cable bill..if that's what this at least five year old reported item is in fact representing. Bottom line, I have nothing to do with XXXX XXXX nor this Collection Agency out of Florida and this report is fraudulent. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I got an email from Bank of America to confirm my email address. I haven't contacted the bank before so I called them. It turned out that someone has set up a bank account with them and applied for a credit card under my name using my address, social security number, but their own phone number. 
I have requested for them to mark it as fraud and close the account. 
I also have frozen my credit with all the Credit Bureaus.
Consumer complaint received 2015-05-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NJ)

My Mortgage lender, OCWEN, has escalated my monthly mortgage/ESCROW payment from {$2.00}, XXXX to {$2700.00} ( a {$300.00} a month or {$3600.00} per year increase ). In addition, OCWEN has charged my bank account, XXXX, the increased amount without my authorization. ( Please note : Nothing has changed with my loan..I have been paying the same amount for XXXX months until OCWEN drastically increased my monthly payment ). 
I have called OCWEN repeatedly ( each time is an average of a 1-hour wait time ). Each time the representative indicated they could not provide an explanation over the phone ... they will need to do " research '' and they will call me back within XXXX time!. In XXXX, I finally got a hold of an OCWEN rep who indicated that " OCWEN has the right to increase my ESCROW payment if they felt it was too low '' without authorization from me. I did not agree with this explanation and indicated that I will not pay any extra amount until I get a satisfactory explanation. As of XXXX XXXX, OCWEN automatically charged my account the extra {$300.00}! There was no statement or anything that indicated they were going to charge my account this amount and certainly no written explanation. I spent another 2 hours on XXXX XXXX with an OCWEN " escalation representative '' who also could not provide an explanation over the phone. She attempted to indicate that it was my insurance that increased -- this is completely incorrect. She also said she would call in XXXX hours and I still have not heard from her. 
In addition, I called my back XXXX to indicate that my account was illegally charged by OCWEN and will be filing a formal complaint with XXXX as well. 
OCWEN is known to be corrupt and has several lawsuits against it. I did not choose this mortgage company, my loan was sold to this company -- certainly not a choice I would ever make on my own. I feel I should not be forced to do business with a corrupt company who is " KNOWN '' to implement illegal and unethical practices. 
I am writing to request assistance in stopping OCWEN from getting away without arbitrarily exacting unexplainable monthly increases and then charging my bank account for this charge.
Consumer complaint received 2023-06-02
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: EQUIFAX, INC. (MA)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-02
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. (OH)

This account is fraudulent. Please remove this off my report. Someone had my social, pictures of ids on dark web and my credit has been beyond messed up. I finally can lock it but please remove this is fraud!! I am back in the process of fixing my credit and for some reason u guys keep closing and reopening the account. Please remove this off my credit report. It's fraudulent. I am in the process of buying a house right now and because of this fraudulent activity i will have to pay a higher APR and my family needs to move ASAP. Please remove these illegal/fraudulent accounts off of my credit report ( XXXX, XXXX, Experian ) PLEASE!!! **They keep closing and reopening XXXX accounts that was fraudulent which keeps causing my score to fluctuate back up and down. Can we please get this removed? XXXX removed these XXXX accounts from my report 9 months ago. I have no clue why I have to keep fighting with XXXX and experian and then they keep reopening and closing a fraudlent accoubnt! PLEASE HELP! PLEASE HELP!!! This is TOTAL IDENTITY THEFT AND I WOULD LIKE THIS REMOVED. I FINALLY INSTALLED XXXX XXXX AND SURE ENOUGH MY INFORMATION WAS ON THE DARK WEB I MEAN YOU GUYS CAN SEE FOR YOURSELF. PLEASE PLEASE PLEASE REMOVE THESE ITEMS OFF MY REPORT SO I CAN LIVE AND GET MY NEW HOUSE PLEASE THANKS! 


Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On two separate occasions, XX/XX/XXXX and XX/XX/XXXX the company XXXX XXXX ran my credit in order to process financing options for the purchase of a car. 

In each instance, they guaranteed that this process would show up as one hard inquiry per " processing '' ( once on XX/XX/XXXX and once on XX/XX/XXXX ). Now, Transunion and XXXX both show 3-5 hard inquiries per time, negatively impacting the " Hard Inquiries '' section of my report and thus my score.

I have reported this to Autolenders and they stood by that it " should '' only show one hard inquiry per, and send verbiage directly from XXXX 's FAQs section assuring the same. Despite that, I show as having 10+ hard inquiries on my report due to this.

Transunion shows 5 hard inquiries on XX/XX/XXXX : XXXX ( Finance ) XXXX XXXX XXXX ( Bank ) XXXX XXXX  ( Finance ) XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX ( Finance ) 5 hard inquiries on XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX ( Bank ) XXXX XXXXXXXX ( Bank ) XXXX XXXX XXXX XXXX  ( Finance ) XXXX  ( Finance ) XXXX shows 5 hard inquiries on XX/XX/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 2023-05-31
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. (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 15 USC 1681. 

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 crimes which antedates the report by more than XXXX 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 2017-03-31
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I disputed some accounts on my credit report with this agency. they said that the accounts were verified but have yet to send proof I know by law they to send me proof that the accounts in question verified in a lawful manner have yet to receive anything
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

This account was charged off on the following date XX/XX/2019. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : -XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-04-20
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Atlantic Credit & Finance, Inc. (MO)

I have repeatedly asked for them to only contact my personal number. I just received information that they have now contacted my ex-husband, my parent 's home, my mother 's work, and my mother 's cell phone. I 'm not sure how they have gotten any of these numbers but it has become disruptive to everyone 's life. I have since sent a cease to call letter on XXXX/XXXX/XX/XX/2015. I have had to block their phone numbers so I do not lose my job from the constant calls. " XXXX '' has called me XXXX times in less than XXXX days.
Consumer complaint received 2022-10-27
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. (CA)

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. 

XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX 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 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 2022-10-27
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. (NY)

I am battling a negative account on my credit report that should not be there! XXXX XXXX flagged my account as late 30 days when it was not late! They messed up internally and they stated that the account was notated to be updated by the credit bureaus! It has now been over 60 days and I have not seen it updated! I am reaching out to the credit bureaus to honor that notation. This late payment is not only a violation of the FCRA but it is also a defamation of character and is predatory. It has prevented me from looking to purchase my home because I know it will hurt my chances. I am demanding that this account be updated to 100 % Current and paid on time status.