davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$240.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

Hello, I have written you in times past about Experian Credit Agency inaccurately reporting information on my credit file. You see and verify the multiple times I've written you regarding this matter. The last complaint submitted is still showing open, at the time of writing this complaint. However, they've already completed their investigation yet again, citing that the information will remain and that the furnisher has verified that info. I have asked multiple times for them to supply me in full detail the furnisher of that information with certified documents, they have refused to do so but continues to resolve their investigation as the information will remain as furnisher verified the info. I have opened yet another dispute regarding that but this time I have included all of the past request as did in times past along with a XXXX from what appears to be the furnisher of that information themselves, XXXX XXXX. XXXX has responded to my dispute about the public record of bankruptcy being on my report, specifically relating to the Experian having it on their report. They also named the actual dispute date as being on or around XX/XX/2022, which is a date in close relation to the XX/XX/2022 date the dispute letter was certified mailed to Experian in regards to the XXXX XXXX XXXX being on my data report inaccurately and must be deleted. Experian has refused to removed the information therefore violating the FCRA laws, which means they have heavy violated me and my data file. Add this XXXX XXXX letter showing XXXX removed the information as it pertains to having furnished the information to Experian the CRA 's have to follow suit but Experian is being stubborn and using computer bots and stall tactics to keep from following the FCRA 's laws. I have asked multiple times for them to provide the certified copies of the furnisher of this information and how their verification process and each time they have denied me the right to that information. I have attached my request and proof of supporting docs to this complaint. Last time I had to call CFPB the rep confirmed what I thought i knew and that is that this platform is not 100 % monitored via a live human being so that is why the cases are opened then closed at the CRA 's discretion after attempting to respond and acting like they are trying to resolve the dispute but really are not.
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

Dear XXXX In reviewing my credit report from XXXX, I found unauthorized Inquiries. I made numerous attempts to resolve this matter via XXXX automated service, however I had no success by phone. The following inquires are unauthorized. 1. XXXX XXXX Inquiry date XX/XX/XXXX 2. XXXX XXXX XXXX Inquiry date XX/XX/XXXX 3. XXXX XXXX XXXX  XXXX Inquiry date XXXX XXXX XXXX 4. XXXX Inquiry date XX/XX/XXXX 5. XXXX XXXXXXXX XXXX  XXXX Inquiry date XX/XX/XXXX 6. XXXX XXXX XXXX Inquiry date XX/XX/XXXX Under 15 U.S Code 1681i, Paragraph ( 5 ) 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 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.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$2200.00} ; XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXXXXXX XXXX Balance Owed XXXX {$12000.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$2700.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$4800.00} ; XXXX XXXX Balance Owed : {$5600.00} ; XXXX XXXX XXXX Balance Owed : {$12000.00} ; XXXX XXXX XXXX Balance Owed : {$2700.00} ; XXXX XXXXXXXX XXXX XXXX : {$2700.00} ; XXXX XXXX Balance Owed XXXX {$380.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$3500.00} ; XXXXXXXX XXXX XXXX  XX/XX/2021 ; XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XX/XX/2021 ;
Consumer complaint received 2023-06-26
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. (MD)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
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. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX, XXXX Account # XXXX, XXXX Account # XXXX, 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
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. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX, XXXX Account # XXXX, XXXX Account # XXXX, 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
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, XXXX  # XXXX, 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 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-17
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Constar Financial Services, LLC (OH)

XX/XX/21 XXXX XXXX was found guilty in lawsuit which cleared out loan in question due to a repossession. 
Constar is illegally trying to collect on a debt which was apart of a lawsuit Please stop contacting me on this matter
Consumer complaint received 2015-07-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (FL)

There is a hard inquiry on my credit report which I did n't authorize. The inquiry appears XXXX and is from a company called XXXX XXXX XXXX, XXXX. I was told inquiries can only be removed from the company who placed them on the report. I called XXXX XXXX XXXX , XXXX and was told they pulled the report for XXXX XXXX XXXX. I have a document which indicates this was for an application for a Home Loan. I never applied for a home loan. The application does n't have my signature and is not dated.
Consumer complaint received 2022-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NRA Group, LLC (RI)

On my credit report, National Recovery says I owe them {$140.00} for a collection that I didn't pay. It was paid 3 years ago..We already discussed the problem many times and that My insurance XXXX XXXX paid for it. It was a XXXX XXXX  on a XXXX We've been back and forth with this many times and I thought it was finally over with until I saw my credit report.. XXXX XXXX has now added XXXX to the bill. ( I sent for a copy ) YOU DON '' T DO XXXX XXXX FOR A XXXX XXXX ON A XXXX! 
If I owed only {$140.00} and was legit I would have paid it. I'm not paying for something I never received and was not performed for a XXXX XXXX on a XXXX
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. (FL)

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 U.S.C 1681. 

Accounts Has violated my rights, XXXX # XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, 15 U.S.C 1681 section 602 A state I have the 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 2017-10-16
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I sent a letter to Equifax on XXXX XXXX. I asked them to investigate my account, and make corrections. Almost two months have passed, but I have yet to hear back from them.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX Balance : {$11.00} XXXX XXXX XXXX XXXX Balance : {$36000.00} XXXX XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$37000.00} XXXX XXXX XXXX Balance : {$4400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$400.00}
Consumer complaint received 2015-09-22
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Onity Group Inc. (MO)

My wife and I have completed all required documents to refinance our home loan EXCEPT for XXXX documents held by Ocwen, after I have called them many times. Our refi is being delayed without reason, thanks to Ocwen delaying sending requested information. As everyone knows, mortgage interest rates are slowly, incrementally rising, so, after having delayed us for weeks, it is quite possible that our new monthly mortgage will rise, thanks to the passing of time. These people have ignored requests for documentation Our only recourse, it would seem, spend XXXX on litigation.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Account Number : XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Number:XXXX Account Name XXXX XXXX XXXX Account NumberXXXX  Account Name : XXXX 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 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 2022-04-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Independent Recovery Resources, Inc. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX Department located at XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX send my bill to a wrong address and finally send it to collections. Collection agency is called Independent Recovery Resources located at XXXX XXXX XXXX XXXX. # XXXX, XXXX NY XXXX. I have learned about the debt only after receiving the letter from collections agency on XX/XX/XXXX. I immediately contacted the agency via phone to verify the alleged debt and request more information about it. I was promised to send all the i formation they had regarding my debt. In addition, I mailed a certified letter to I.R.R. Requesting the same information in writting. Furthermore, through many phone calls, I ended up calling the XXXX XXXX department which confirmed that I had debt, as well as confirmed that all the bills were send to a wrong address. I requested the department ti send me a bill to the correct address, and take care of the collections as I have never been given a chance to pay the bill. XXXX, XXXX XXXX responsible for the departments billing told me that I have to pay my bill and then she will call collections and tell them it was an error. I have never received a bill from the XXXX XXXX and on XX/XX/XXXX I have learned that a derogatory mark was added to my credit report damaging it significantly. The same day on the XXXX, I received the letter from I.R.R. With the copies of information I have requested on XX/XX/XXXX. The letter was stamped XX/XX/XXXX. However, the same collection agency reported a collection debt to my credit the following day, on XX/XX/XXXX, never given me a chance to review the documents they send and to properly respond to them. Finally yet importantly, my credit score decreased by XXXX point from exceptional to good at the worst possible time when I was shopping for the mortgage.
Consumer complaint received 2021-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

On or about XX/XX/XXXX, I requested my credit report from Experian : I noticed that this company documented the same company that I was listed on my credit report four times, on two sheets of my credit report : ( 1 ) XXXX XXXX XXXX, collection, reported 2 times on my credit report, opened XX/XX/XXXX, {$28000.00}, ID # XXXX, times on my ( 2 ) XXXX XXXXXXXX, ID # XXXX, {$870.00}, date opened XX/XX/XXXX, reported 2 times on my credit report, ( 3 ) XXXX XXXX, {$2000.00}, ID # XXXX, opened XX/XX/XXXX, collection. Reported 2 times on my credit report. 
This is error, I would like this removed from my credit report, I have disputed these accounts several times, however they still remain two times on my official Experian credit report.
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 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 an 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 Account # : XXXX, 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 an account without my written instructions.
Consumer complaint received 2022-10-13
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. (NC)

Account info Account name XXXX XXXX XXXX Account number XXXX Account type Account name XXXX XXXX XXXX XXXX Account number XXXX Account info Account name XXXX XXXX Account number XXXX Account info Account name XXXX XXXX XXXX  Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account info Account name XXXX XXXX XXXX Account number XXXX Account info Account name XXXX XXXX  Account number XXXX Account info Account name XXXX XXXX Account number 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 : 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.