davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-16
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. (CA)

Dear Sir/Madam, This is a verified complaint concerning Experian 's erroneous credit report. i : reported to Experian, that the three bankruptcies reported on my credit report have been not been obtained from reliable sources. i : included the response from bankruptcy court ( see attached ), reported my identity theft report to XXXX XXXX, reported my identity theft report to police ( see attached ) and to FTC ( see attached ). Although, i : communicated these to Experian, Experian wrote back to me in letter date XX/XX/2019, under report number XXXX, see attached, that the bankruptcy reports were obtained from XXXX XXXX which is incorrect, since, i : have confirmation from XXXX XXXX, that following my identity theft report to them, they would not and can not report anything to anyone. This can be easily verified over the phone by calling XXXX XXXX. This misconduct of Experian, in falsely stating that they obtained these information from XXXX XXXX, when they can not and did not, has damaged me economically and emotionally. i : therefore, present to CFPB to order Experian to immediately remove the three bankruptcies from my file simply because they were not obtained from XXXX XXXX and to grant other relief to me since i : have been damaged economically by Experian and its Co Parties Agent ( s ) Principle ( s )  misconduct as set forth above.
Consumer complaint received 2017-07-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NY)

Ocwen Loan Servicing is planning on selling XXXX XXXX 's property at foreclosure sale on XXXX XXXX, 2017. XXXX XXXX 's loan modification review is presently in the appeal stage. It is a violation of Regulation X, 12 C.F.R. 1024.41 ( g ) for Ocwen to advance foreclosure while the appeal remains pending.
Consumer complaint received 2023-05-22
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: Bread Financial Holdings, Inc. (CA)

In XXXX, I received a bill for a XXXX card that I did not open. I immediately called and Comenity Bank opened up an " investigation ''. That investigation took 3 months to complete, they did not call to notify me of a resolution and then they start calling over the weekend to collect payments. I call them today to figure out what is going on because the fraud dept is not open on weekends. The lady says a letter was sent, NOPE. She then says they have been sending bills and that I opened the fraud investigation in XXXX - NOPE! I opened the case on XX/XX/XXXX. I ask if they have a copy of my signature on the application, she states they do but can not share it unless I send a letter. Hmmm.. I wonder why they did not ask me for my signature so they could compare. I was definitely not in XXXX opening a XXXX account on XXXX XXXX. 

On XX/XX/XXXX, I went grocery shopping at XXXX in XXXX, CA. I have proof of this on my debit card transactions. After that, I was at home creating a video for my friends ' birthday. At XXXX I posted on her FB page from my couch .... I specifically remember creating the video and posting it. Time stamp is on her FB page. 

XXXX is 60 miles one way from XXXX. The nearest XXXX to XXXX is XXXX ( XXXX ) or XXXX, which is where my parents live so it would make much more sense to go there. No other purchases in XXXX, no lunches, no gas, no NOTHING because I was not there. 

It's absurd that they did not include me or ask me one single question during this so called " investigation '' and now I'm stuck with a {$1000.00} bill from one shopping excursion in XXXX... yeah, that doesn't seem odd at all. {$1000.00} in cosmetics in ONE single day... I'm lucky if I put lotion most days. 

So today, I paid the minimum due because I'm extremely concerned about keeping my great credit score. But I will not rest until I get this money back. Seems like an inside job to me... I guess XXXX just allows people to walk in and open fraudulent accounts without any proof of who they actually are. I notified the person I paid with this was only for my credit protection and not because I am accepting any liability here. I also messaged this to Comenity and they have acknowledged.
Consumer complaint received 2023-02-16
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. (MA)

I have sent out a dispute letter to 2 credit bureaus XXXX XXXX XXXX Equifax ) to remove inquiries I never applied for on XX/XX/2023 and Equifax continue to have all of the fraud inquiries on my credit report and XXXX have removed some, but not all inaccurate inquiries on credit report.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 2023-07-08
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. (IN)

I am filing this complaint for myself because 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/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXDate of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2017-07-27
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (CA)

At   XXXX   XXXX   - I spoke with   XXXX   XXXX   who is telling me that I must submit a Postponement tomorrow morning with a gift letter and bank statement. Even though I am willing to pay off their alleged loan, I was told regardless of my efforts to pay off tomorrow that they may go forward with the sale which is a bunch of bull.
I have confirmed in the first place the   XXXX   XXXX   XXXX   credits were accessed through my assigned US Treasury Direct Acct. For these people to tell me that it may be too late for a postponement as they place to illegally seize my home tomorrow. I do not owe these people.
  XXXX   asked me to provide my personal bank statements and this can not happen. I was a victim of Identity Theft -   XXXX    Employee in  XXXX . I am willing to payoff the amount issuing my acct. # and routing # and   XXXX   is refusing.
2nd Item - I want to report Bankruptcy antics in courtroom 5D -   XXXX   XXXX   - It appears   XXXX   XXXX   attorney went to   XXXX   XXXX   's courtroom on  XX/XX/XXXX  to get a Lift of Stay against the Registered Entity - regardless of fact # 1 I revoked any and all power of attorney as the Live - woman back on the land. Note : this BK case has been closed for over 3 yrs - all debt for the Registered Entity discharged as UNSEURED DEBT. I realized that going to the BK court was a error. The   XXXX   XXXX   loan was paid off as shown by MASTER FILE. I was never served any notice of this  XX/XX/XXXX  hearing and Wells Fargo had my address - So I had no way to put on record illegal seizure of home or fact it is not a loan but copy right business processes. The Will Be Debt Opinion letter is FRAUD - as there is no loan. Please refer to the   XXXX   XXXX   XXXX   XXXX   - very important to see the complicated undisclosed real transaction of sneaky licensing agreement of our identity.   XXXX   XXXX   assists with these crimes TAX SHELTERS in my name -- -- hoping that I will not catch on to there scheme. These behaviors need to stop - the people harmed have lives too and we were not placed on this earth to serve for the legal profession pleasure and benefit as reflected in the  XXXX ,  XXXX ,   XXXX   XXXX  .
These people seem to forget that it was I who authorized the initial credits and I can at any time terminate their fake POA status with their fake loan #. I am in process of getting the lien released at Federal Level.
Consumer complaint received 2022-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MD)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX ( A ). It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2023-02-01
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. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
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 2023-05-22
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. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 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 2019-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NY)

Please refer to complaint # 's XXXX and XXXX. Citibank recently sent a statement saying they are not returning my funds but will remove the retaliatory remark they put on my credit which negatively affected it. They have not sent me proof of their investigation but base their decisions off of unknown findings they will not reveal to me. I am requesting all findings from the investigations they claim they have conducted to be forwarded to me with all monies returned to my account.
Consumer complaint received 2023-05-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL (GA)

I received a call from XXXX XXXX XXXX saying they wanted to deliver a letter to me. The service said they were working for XXXX and gave me XXXX 's phone number XXXX. They said the company 's name is XXXXXXXX XXXX XXXXXXXX XXXX XXXX. XXXX at XXXX, said I owed a debt to Synchrony Bank for {$15000.00}. I never had an account with Synchrony Bank. They said the debt was from XXXX to XXXX. I never had an account with Synchrony Bank. They threatened to take me to court, seize my bank accounts, etc. This is harassment. This is consumer fraud.
Consumer complaint received 2023-04-18
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX, FL XXXX XXXX Updated : XX/XX/XXXX, XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00}, XXXX XXXX XXXX Balance Owed : {$2200.00}, XXXX XXXX XXXX Balance Owed : {$76.00}, XXXX XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX XXXX Balance Owed : {$8600.00}, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Balance Owed : {$2000.00}, XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$460.00}, XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$940.00} XXXX XXXX. XXXX, XXXX Original Creditor : XXXX XXXX XXXX Balance Owed : {$670.00} XXXX XXXX Original Creditor : XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX  XXXX Balance Owed : {$430.00}, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (TX)

XXXX XXXX XXXX and Comenity Bank have re-added to my XX/XX/XXXX XXXX and XXXX credit report after removing the credit line due to fraud in XX/XX/XXXX when I supplied police report and documentation in XX/XX/XXXX. My score dropped over a 100 points and Ive disputed this again but every 3 or 4 years they sell my information from this XXXX and Wayfair accounts and re-add it to my credit reports after Ive supplied proof of these accounts not being mines but fraudulent accounts repeatedly.
Consumer complaint received 2019-10-15
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. (IL)

Hello, I Am a Victim of identity Theft How can I be in Jail And purchase a Car. I see where the car was like XXXX and who ever stole my Identity was making payment and still owe XXXX. I am trying to finish getting my life in order and this is hard I never touch my credit and i never had a good Car. can you please do your research ... .. I even went to the County Jail House to Show Proof I was INCARCERATED AT THE TIME ... ....
Consumer complaint received 2024-03-20
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. (SC)

On or about XX/XX/2024 I received my credit report and noticed that XXXX, XXXX and Equifax has violated my consumer right to privacy under 15 USC 1681 ( a ) ( 4 ) Right to Privacy & 15 USC 1681b ( 2 ) Permissible Purpose of Consumer Reports. XXXX, XXXX, and Equifax has infringed upon my right to privacy and I never gave them written permission to report anything on my behalf which is in direct violation of 15 USC 1681b ( 2 ). By law it states these agency must have written permission from the consumer who it relates in order to furnish a consumer report. It's been difficult to live my life with these things on my report unlawfully. I demand the following items be removed immediately.
Consumer complaint received 2024-03-22
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. (PA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2019-10-15
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2017-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (VA)

American Express Rewards card beginning XXXX. Area merchants began to refuse card XXXX.
Rather than fix the problems with merchants, card was cancelled without warning sometime during XXXX  or XXXX without written notification. On line message XX/XX/XXXX stated " This card has been cancelled ''. Requests to verify in writing closure and reasons have been refused. Cashback rewards of {$61.00} was forfeited rather than paid as previously requested.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Illegally evicted me with a Federal Protective Class ACT, race, and retaliation continually denied, after Tenant Screening when applying for housing. Denied of opportunities, rental, jobs, loans, and credit without a credit pull. while. I reach out to you in Good Faith with XXXX  beliefs in pain and sorrow of the treatment I received in this matter as a human being with a helping heart. Deletion of this debt will right all wrongs and grant me the opportunities to live in a safe and peaceful environment. Your help will be a blessing of the Faith I have in your agency to assist. Thank you in advance. FYI : Having 2 family members XXXXXXXX XXXX XXXX XXXXXXXX, XXXX and XXXX  due to the very same issue of race, housing and religion for decades has giving me the Federal Protective Act ability. 
Creditor Information - Debt on all 3 credit reports after continually disputing and never receiving a LANDLORD TENANT COURT DAY. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX {$3500.00} DEBT XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga 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 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