davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-18
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. (OH)

In accordance with Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. 

XXXX -- XXXX The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, date last activate is inaccurate, and date last reported in not accurate. 

This is grounds for removal they also violated my rights under 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

U.S.C 1681 Section 604 A Section 2. It also states that a consumer reporting agency CAN NOT furnish an account without my written Instructions.
Consumer complaint received 2022-04-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Maury Cobb, Attorney at Law, LLC (CA)

XXXX sent me bill at {$780.00}. But Im not sure that it is my debt because Im always pay in time. Im always have prepaid plan. All representatives tell different reason, some of them told me that this is mistake and its not my bill, some of them told it is for my cancelled equipment ... BUT I never did it ( never cancell my equipment. ) I continue using it since first day I bought it.
Consumer complaint received 2022-04-18
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. (GA)

I checked my credit report and I noticed some unauthorized inquiries on my credit report I proceeded to contact the credit reporting agency but they did not remove the unathorized inquiries.
Consumer complaint received 2021-08-25
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK (NJ)

I started the forbearance program in XXXX of XXXX with XXXX. During this time my job was secure and i was still making all my monthly payment on time and in full. Recently, in XXXX of XXXX i lost my job due to the pandemic, and have stopped making my mortgage payments while on the forbearance program in XXXX. In XXXX of XXXX Midland Mortgage purchased my mortgage from XXXX XXXX. i extended the forbearance once. So now im 5 months into not paying my mortgage. 
Midland Mortgage is stating because i started the forbearance in match of XXXX regardless of the fact that i have been paying all that time and have now only been delinquent for 5 months that i can no longer extend the forbearance program. 
So does this also mean i can go back to XXXX  XXXX and tell them hey since i was on the program I want all my money back that i stood and paid during the forbearance program? 
This is completely unfair and does not make any sense whatsoever. 
This complaint to with my current mortgage holder Midland Mortgage, a Division of MidFirst Bank.
Consumer complaint received 2022-04-18
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

Capital One Bank USA Account # : XXXX Allege Late Payment Date : XXXX, 2021 Capital One is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) ( CAPITAL ONE ) Making the report is NOT INCLUDED on my Consumer report!

A Late payment is a transactional history, My HISTORY with the company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!

CAPITAL ONE HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.
Consumer complaint received 2022-04-18
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: EQUIFAX, INC. (AL)

In accordance to 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 XXXX XXXX Inquiry date : XX/XX/2021 ( has violated my rights ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry date : XX/XX/2021 ( has violated my rights ) 15 USC 1681 Section 602 A states I have the right to privacy 15 USC 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish a account without Written consent.
Consumer complaint received 2022-04-18
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)

In accordance to 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 XXXXXXXX XXXX Inquiry date : XX/XX/2021 ( has violated my rights ) XXXX  XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/2021 ( has violated my rights ) 15 USC 1681 Section 602 A states I have the right to privacy 15 USC 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish a account without Written consent.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 
I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. Ive noticed several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with an accurate consumer.

C - Conduct reasonable investigations of consumer disputes According to CRRG, to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( promptly ), completely, AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

Summary of Accounts being Challenged in list form : XXXX XXXX XXXX - Account XXXX XXXX
Consumer complaint received 2022-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

When I assessed my credit report via Identity IQ on XX/XX/22, it was noted that according to XXXX, XXXX, and TransUnion, the United States Bankruptcy XXXX XXXX XXXX XXXX Virginia reported bankruptcy. 

I mailed a letter to the Bankruptcy XXXX to validate the account. It was verified by the Bankruptcy XXXX in a document dated XX/XX/22 that " The Bankruptcy XXXX does not furnish any information to the credit bureaus, as we do not have any jurisdiction over credit reports. Each credit reporting agency conducts their own research and report their findings. If there are any discrepancies showing on your report, you will need to contact that credit reporting agency and discuss the matter with them, as it will be up to that agency to update their records and to remove any information, if need be, from your report ''.
Consumer complaint received 2022-04-18
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. (CA)

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX : 1. XXXX XXXX XXXX Balance Owed : {$2300.00} 2. XXXX XXXX XXXX Balance Owed : {$10000.00} 3. XXXX XXXX XXXX Balance Owed : {$5500.00} 4. XXXX XXXX XXXX Balance Owed : {$3200.00} 5. XXXX XXXX XXXX Balance Owed : {$5500.00} 6. XXXX XXXX XXXX Balance Owed : {$10000.00} 7. XXXX XXXX XXXX Balance Owed : {$4700.00} 8. XXXX XXXX XXXX Balance Owed : {$4600.00} 9. XXXX XXXX XXXX Balance Owed : {$10000.00} 10. XXXX XXXX XXXX Balance Owed : {$1700.00} 11. XXXX XXXX XXXX Balance Owed : {$4900.00} 12. XXXX XXXX XXXX Balance Owed : {$5700.00}
Consumer complaint received 2022-04-18
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. (WA)

In accordance with the fair credit reporting act i have several accounts that have violated my rights. *15 USC 1681 602a states i have the right to privacy and *15 USC 1681 section 604a section 2 also states a consumer reporting agency can NOT furnish a account without my written instruction. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-02-08
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. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following itemXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

When I assessed my credit report via XXXX XXXX on XX/XX/22, it was noted that according to XXXX, XXXX, and TransUnion, the United States Bankruptcy Court XXXX XXXX XXXX XXXX reported bankruptcy. I mailed a letter to the Bankruptcy Court to validate the account. It was verified by the Bankruptcy Court in a document dated XX/XX/22 that " The Bankruptcy Court does not furnish any information to the credit bureaus, as we do not have any jurisdiction over credit reports. Each credit reporting agency conducts their own research and report their findings. If there are any discrepancies showing on your report, you will need to contact that credit reporting agency and discuss the matter with them, as it will be up to that agency to update their records and to remove any information, if need be, from your report ''.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: ALLY FINANCIAL INC. (GA)

There has been a charge off on my account including the balance. This debt has been paid off and it should not be on my credit report. ( 15 us c 1681 ). I have not received a 1099c form being that the debt has already been was paid and sold.
Consumer complaint received 2022-04-17
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. (NY)

I contacted XXXX XXXX on XX/XX/2022 in regards to my XXXX installment loans. I informed them that I had recently suffered financial due to being unable to earn income while I deal with COVID omicron here in XXXX. They entered me their " Temporary payment and interest rate reduction '' program. During this time I had also requested for my due date to change so that it would be easier for me to make my payments. The female representative said that is not a problem. 

Fast forward to late XXXX and I am not feeling well but have my payments on autopay. Then on XX/XX/2022. My FICO score drops XXXX points. 

I contacted XXXX XXXX on XX/XX/2022 @ XXXX to discuss XXXX XXXX account # XXXX. He then transfer me to a XXXX named XXXX @ XXXX on XX/XX/XXXX. 

She informs me that XXXX out of my XXXX payments was returned by my back. And I informed her that I didn't receive a letter from XXXX XXXX about the payment return. XXXX then continued to say that XXXX XXXX sent an EMAIL and tried to call. I told her that I didn't receive any voicemails or emails ( maybe they went to Spam ). She then put me on hold to talk to her manager and returned @ XXXX. 

I tried to explain to her that XXXX XXXX needs to remove the 30 day late on my credit report since I was not late and had asked to change my due date in XXXX. XXXX said no and that my 30 days late accrued on XX/XX/XXXX. I tried ( close to XXXX ) explain that did everything I could to avoid ever receiving a late payment on my credit file. XXXX XXXX said to me that it's not XXXX XXXX problem. And was very insensitive to me. 

After doing some research I realized that XXXX XXXX is in violation of the Cares Act and these other laws below : In accordance with the Fair Credit Reporting act XXXX XXXX account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-04-17
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. (MO)

In accordance with the Fair Credit Reporting Act, Transunion has violated my rights by reporting the following accounts in violation of Federal law. 

XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX  XXXX  Account # XXXX 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 : Also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-17
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX  XXXX  / XXXX  XXXX  # XXXX, XXXX  XXXX  XXXX # XXXX, XXXX  XXXX XXXX  XXXX  # XXXX, XXXX XXXX  XXXX  XXXX # XXXX, XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX  XXXX 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
Consumer complaint received 2022-04-17
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX  XXXX  XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX  XXXX  XXXX # XXXX, XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX  XXXX  # XXXX, XXXX/XXXX  # XXXX, XXXX  XXXX 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
Consumer complaint received 2022-03-18
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (AZ)

RE ; # XXXX PHH Mortgage Services billed my XXXX sister ( now deceased from XXXX ) for insurance that was already paid for through her XXXX fees. This insurance has been paid by the XXXX  ever since she purchased the property in the XXXX 's. The overcharges were as follows : XXXX {$1100.00}. 
XXXX {$1100.00}. 
XXXX {$1100.00}. 

After filing with CFPB the PHH Mortgage Services admitted their error but only credited the reverse mortgage with {$1100.00}. from XXXX. They have yet to refund the two fraudulently withdrawn funds of {$1100.00}. each from XXXX and XXXX. These funds should be paid by check to her Estate which they have on file.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

i filed a dispute because XXXX XXXX reported that my account is still in foreclosure or foreclosure was initiated. the account was paid in full and should be reported as such. the house was sold in XXXX and the mortgage company verified the debt was paid in full so they should report it to the credit bureau as paid in full
Consumer complaint received 2022-04-17
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. (IL)

Notified trans union XXXX and XXXX on XX/XX/2022 and have to be notified of my disputes being investigated and violates my rights as a consumer
Consumer complaint received 2022-04-17
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, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX ; XXXX XXXX account # XXXX ; XXXX XXXX account # XXXX ; XXXX XXXX XXXX account # XXXX ; XXXX XXXX XXXX account # XXXX ; XXXX XXXX XXXX account # XXXX ; XXXX XXXX XXXX account # XXXX ; XXXX XXXX account # XXXX ; XXXX XXXX XXXX account # XXXX ; XXXX XXXX account # XXXX ; XXXX XXXX account # XXXX ; XXXX XXXX account # XXXX ; XXXX XXXX account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A.States I have rights 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.
Consumer complaint received 2021-08-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (AL)

I received information from the credit bureaus that your company is attempting to collect an alleged debt that you have listed on my credit reports. Please be further advised, I dispute the validity of the alleged debts in its entirety. Further I request verification of the alleged debts, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. I disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. You are illegally attempting to collect alleged debts and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.