davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Onity Group Inc. (TX)

My mortgage was serviced by Ocwen. Ocwen sold/transferred my loan to PHH. All payments were made timely. My loan was not timely/accurately transferred. I was just notified by XXXX XXXX that my loan as of XX/XX/XXXX reporting 30 Days late, with a {$0.00} balance and closed XX/XX/XXXX. My account was not 30 days late. When we called PHH and Ocwen we were advised that the over 30 will be removed due to it being inaccurately reporting. I was advised that there was a delay in Ocwen transferring the loan to PHH due to system issues. This is a violation of the FCRA.
Consumer complaint received 2022-09-25
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. (AL)

Accordance with the Fair Credit Reporting Act XXXX  Account : 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 instructions. 

XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX Hard inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX/Hard inquiry XXXXXXXX XXXX XXXXHard inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

please investigate the following accounts properly, multiple errors and discrepancies from previous reports. 
multiple occasions when the accounts information were incorrect and had to be updated. 


accounts with multiple incorrect payment history In accordance with the fair credit reporting act XXXX accounts of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX, and XXXX XXXX  XXXX, Has violated my rights [ 15 U.S.C. 1681 ] section 602 A Congressional findings and statement regarding respect for the consumer 's right to privacy. [ 15 U.S.C. 1681 ] section 604 A section 2 : Any consumer reporting agency can't furnish a consumer report without the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. XXXX violated the law US CODE TITLE 15 U.S. Code 1681i, account had discrepancies and incorrect information for the following accounts : XXXX XXXX : account number ending with XXXX. Account had incorrect following information that were updated with last investigation : scheduled payment, terms duration, activity designator, and account history. Changed the late payment date from XXXX to XXXX
Consumer complaint received 2022-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/22, I reviewed my consumer report and discovered there were inaccurate items reporting to my consumer report. I have contacted the agency via mail, identifying these inaccuracies with proof of identification. The agency has failed to maintain reasonable procedures to ensure that the information is accurate and relevant regarding my personal information. My current consumer report still includes misspelled names/names that do not belong to me, old addresses, and employees.
Consumer complaint received 2022-09-25
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. (VA)

There is an account on my credit report that does not belong to me in the amount of {$1500.00} reported by XXXX which has resulted in my credit score dropping XXXX points. This account has no payment history but list that it is a 7 1/2 year old account. 

This is in violation of : 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692c ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2022-09-25
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. (GA)

On two separate occasions ( XX/XX/22 & XX/XX/22 ) I have reached out to EXPERIAN and I have also reached out to XXXX on two separate occasions ( XX/XX/22 & XX/XX/22 ) to request validation of the alleged debt in addition to HIPAA authorization for the account listed below. The accounts still remain and have not been fully validated by either credit bureau. 



Experian ( XX/XX/22 & XX/XX/22 ) -Account Name XXXX XXXX XXXX XXXX XX/XX/22 XXXX XX/XX/22 ) -Collection Agency XXXX XXXX XXXXXXXX XXXX XXXX, XXXX
Consumer complaint received 2017-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (WA)

My credit card was charged {$24.00} on XX/XX/2017 for a credit report which I do n't remember ordering or signing up for. I tried calling Experian who put through this charge on my credit card and twice I was told by their telephone prompts at XXXX that my wait time to speak with someone about this is over 1.5 hours. Really? to make matters worse, their online support page tells you to call this same number to resolve the issue. This is ridiculous. How can a Credit Bureau of all person ask an affected consumer to wait 1.5 hours on the phone to address an issue with them. I need to cancel whatever arrangement they have on file for me regarding this and I also need to be refunded. I have since cancelled my credit card to avoid further charges. 

Please help
Consumer complaint received 2022-09-01
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: Experian Information Solutions Inc. (NY)

XX/XX/XXXX Filed a dispute against XXXX bank on my Experian credit report I have no knowledge of this they keep saying it is proven dont give me how reasons why XX/XX/XXXX Filed a dispute with Experian about XXXX XXXX showing up on my credit report I have no knowledge of this I say it was proven that its mine and gives me no reason why but I have no idea what this says they will not remove it XX/XX/XXXX Experian once again will not remove XXXX off my credit report I do not know who they are it is not mine or knowledge they will not remove it they keep telling me that they they found that it is mine but no other information XX/XX/XXXX Filed dispute with Experian About XXXX XXXX XXXX my account is paid off but there was a repo on there that I have no idea about the car was never re-Poed I actually paid the car off they will not fix it or remove it from my credit report
Consumer complaint received 2023-02-24
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: DISCOVER BANK (GA)

15 US Code 1681e states that every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.

I am not satisfied with my previous dispute because I have reason to believe that this company did not follow reasonable procedures when investigating the items that I disputed on my credit report, I believe that the company 's investigation was done by an automated eOscar system which is why the investigation yielded inaccurate and false information 15 US Code 1681i ( Section 5 paragraph A ) states that Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) PROMPTLY DELETE that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

From my understanding this company could be held liable for willful noncompliance under 15 US Code 1681n especially due to the statutory and actual damages i've suffered.

The furnisher of the information is also liable under the FCRA under 15 USC 1681s-b ( 2 ) because they were notified of inaccurate and incomplete information on my report, and a proper reinvestigation was not done because the information is still inaccurate
Consumer complaint received 2022-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Reinvestigation of every Inquiry listed below because I did not authorize that my credit be run like it was. This makes no sense to me at all! I want to know why these companies ran my credit report this many times, the way they did. This is definitely a violation of my rights in accordance with the Fair Credit Reporting Act. These items could not have been reviewed or investigated correctly, look at how many times my credit was repeatedly run back to back! XXXX XXXX XXXX XXXX, XXXX 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 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 This is inaccurate reporting, which is a violation of my federally protected rights. I am really upset about this obvious oversite, and it seems as though someone is deliberately trying to ruin my credit. 15 USC 1681 section 602 A. States that I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : States that the consumer reporting agency can not furnish an account without my written instructions. I never provided any kind of written instruction for my credit report to be run like this. Someone should have noticed these mistakes other than myself! I am really upset about this type of inaccurate and negligent reporting. 15 USC 1681c-2 ( A ) ( 5 ) States that no consumer reporting agency may make any consumer report containing any of these items of information. My authorizing any company to run my credit report like this is False. 15 USC 1681s2 ( 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. This is this is apathy to me. It's also plain to see that no consumer would give consent to run their credit back to back like this, knowingly ruining their credit, especially me. Someone should be held responsible for this and deletions done immediately.
Consumer complaint received 2022-09-24
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)

On XX/XX/2022 my personal information was used to open an account with " XXXX XXXX  ''. I don't know who stole my identity but I am certain I have not applied for this account myself. Therefore this account is fraudulent due to a fraudulent application under my name.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I'm experiencing distress, dissatisfaction, and stress concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments.
Consumer complaint received 2022-09-24
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)

Name : XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX To whom it may concern, This is about the inaccuracy that has been furnished by your organization on my consumer report. I found this inaccuracy on XX/XX/XXXX. Due to this inaccuracy, my right to extend credit has been damaged to a great extent. As a result, I was discriminated against and refused the following : *My RIGHT as a consumer to extend credit From my research, according to 15 USC 1681 ( a ) ( 3 ), consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

I am putting your organization on notice and would like to inform you that I never gave consent to this report being furnished by you on my behalf and I am also aware of the fact that your organization assumed a vital role. As a result, my livelihood has been adversely affected and has caused me a great deal of stress in already difficult times! 

There is no such law that states that anything must be reported to a consumer agency. Therefore, your organization is liable! 

Also, pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agency must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Your organization exercised its responsibilities neither with fairness and impartiality nor protected my right to privacy. 

I also request that you give me a piece of evidence to show that the information which is being reported has been properly investigated. Provide me with details of the system that your organization used to determine whether the transaction took place or not. 

According to 15 USC 1681 ( a ) ( b ) your organization did not adopt such procedures that meet the need of commerce for consumer credit. As a result, I demand you do the following ; *Remove account Portfolio XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX from my consumer report and ALL remarks. 

*Remove account XXXX XXXX XXXX XXXX XXXX XXXX XXXX from my consumer report and ALL remarks. 

*Remove account XXXX XXXXXXXX, XXXX # XXXX from my consumer report and ALL remarks. 

Upon further research 15 USC 1681n states that each violation for willful non compliance is {$1000.00} per violation. 

I hope these accounts are removed swiftly after months and months of my reputation and character being ruined! 


Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2017-12-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I advised the company that I believe that I was let go from a job because they were calling me, I was employed with XXXX XXXX XXXX XXXX and I was a XXXX XXXX, on XX/XX/XXXX, my supervisor was at my desk speaking to me and my cell phone rang and XXXX XXXX XXXX appeared on the screen, not only did they call once they called 3xs, the first call was XXXX, then XXXX and then again at XXXX. I felt harassed I was fully aware of this debt but was work at the time. At the end of my shift with no warning, no previous complaints or write ups, they told me I was let go that same day. I truly feel it had something to do with these calls and also they called again like this on XX/XX/XXXX once at XXXX and then again atXXXX, then on XX/XX/XXXX I was on the phone with an agent at XXXX and they were calling on the other line at XXXX. I am fully aware that I owe this debt and want to do so but that has now become difficult with no income. No one should be called like this. On XX/XX/XXXX, I spoke to someone in the President Office ( XXXX ) advising her of my complaints and request and she asked that I give her until XX/XX/XXXX to follow up with me, and between that time I received another collection call on XXXX/XXXX/XXXX and another call on Sunday XX/XX/XXXX. I called the office on XX/XX/XXXX and they stated that she ( XXXX ) was unavailable in a meeting I spoke to a XXXX and that she read XXXX notes and said they reviewed this and that I signed a contract giving them permission to contact me at this number ( XXXX ) XXXX I advised to her I did give them permission to contact me at this number but not harass me and to me repeated calls within a five minute period is harassment, she also advised me the vehicle was placed out for repossession on XX/XX/XXXX, before she would even get back to me and give the results of her finding or give me the option to make a payment before repossession.
Consumer complaint received 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (PA)

I reviewed my Consumer Reports and noticed that I had a few late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility by law, to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the the following accounts. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Please investigate and provide valid Proof with statements showing that these payments were late. If Valid and substantial proof can't be provided I demand these payments be updated to on time as they should be, as I was NEVER Late. Thanks for your prompt time. 

Signed : XXXX XXXX
Consumer complaint received 2023-03-01
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WY)

28 years ago in 2005, my foster son broke into my bank accounts and credit cards and took out numerous payday loans in my name. He was arrested, charges were plea bargained down to one lump charge and he did his time. For one of the payday loans refused the courts settlement and these credit collections companys buy it every years. Portfolio collections has bought it and have been burning up my phone, leaving threading messages. When you call back all you get is a recording no live person. Im tired of being harassed and having to fight to keep getting this removed from my credit report. Its been 28 years. 
There have been other complaints you helped remove this same issue and have copies of the court documents.
Consumer complaint received 2023-03-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Rocket Mortgage, LLC (MI)

XXXX XXXX XXXX XXXX XXXX XXXX LINK ABOVE - this paid advertisement on XXXX is misleading, false advertising XXXX and a lie. Rocket Mortgage / Quicken Compare
Consumer complaint received 2023-03-07
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: SANTANDER HOLDINGS USA, INC. (MS)

XXXX XXXX  was not authorized to pull score. They have an internal score. 
They was several car dealerships loan company that had access to my credit when I've authorized 1
Consumer complaint received 2023-02-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (NC)

My mortgage company is not getting a bill to me especially not in a timely manner. I called them within a week prior to the XX/XX/2023 due date and asked why I had not been billed. They told me the bill had been mailed and that I had a grace period until the XXXX of the month. I ultimately did receive that bill in time to return it by the end of the grace period. 

For the XX/XX/XXXX due date I still have not received a bill and today is XX/XX/XXXX. I called again 2 days after the due date and let them know I had not received a bill. I asked them to confirm my address with me and it was correct. I asked what I was doing wrong and they said nothing was wrong on my end, but because of problems with their system they were having trouble getting billing done. They told me I could print the bill from the portal and go ahead and mail payment. I let them know I had already done so and sent the payment by priority mail, I advised them it was scheduled to be received on XX/XX/XXXX. They thanked me and apologized but did not confirm that they had yet sent out a bill or would be able to do so in the future. They also confirmed they had agreed that I would receive paper bills. 

I am concerned they are not living up to their agreement and wonder what other even more serious problems their system failures are causing. Of course customers will still be penalized if we do not pay on time. Can we not expect mortgage companies to fulfill their obligations. 
Can you check on loandepot.com llc and determine the extent of their problems and require them to do billing in a reasonable time frame.
Consumer complaint received 2022-09-26
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2021-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There is no third party involved I attached my Id docs so you will know who I am and not say that someone else is filing this complaint on behalf of me. And so you also will not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.