davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-12
Product: Mortgage — FHA mortgage
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Onity Group Inc. (FL)

Tried to get information in regards to the investor on my mortgage which is in deed XXXX XXXX. Once gave them information my account is not being pulled up. My social security and last name are being used with them for a different account that I am not part of. They said they will look into and have no reached back out to me. At first they stated they are not the investor in my mortgage. So they can not approve nor deny any refinance or loan issues. Then once given social security number again they state they cant find by first name only social and last name, that the first name they have on file is someone totally different that is using my social. They are not helping resolve this issue. Because of them I could not remodify my home loan and am on the verge of losing my home.
Consumer complaint received 2018-12-04
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (NY)

Please note that Chase Auto Finance has reported me late and delinquent in XX/XX/2018 which is inaccurate and false. I have always maintained my account current and in good standing for the extent of my lease. When my lease expired in XX/XX/2018, I  extended my lease. In doing so, Chase created a chain reaction of misapplying payments and therefore reporting me as late and delinquent when that is not the case. As soon as this was brought to my attention, in XX/XX/2018 I reached out to Chase to try to resolve the issue and I have been attempting to do so with them since but the matter is still unresolved. I am kindly asking that the Late/delinquency reported in XX/XX/2018 be removed as it is inaccurate and negatively impacting my credit rating significantly. Attached is a history of payments which clearly shows the appropriate amount of payments were made in the appropriate amount of payment cycles. If there were any issues, they are due to Chase 's payment application discrepancy and/or billing notice disruption at time of lease extension. For all these reasons, it is unfair for me to bear the brunt of the repercussions.
Consumer complaint received 2023-02-28
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: Experian Information Solutions Inc. (GA)

Experian and XXXX received false information from XXXX pertaining to a bankruptcy associated with the social security number provided to me. They've since added the false information to the credit profiles for which they maintain under my social security number. I've connected with XXXX who has since removed the false information related to the bankruptcy from my XXXX report. Experian and XXXX have failed to provide me with documentation for which my signature is attached to showing how they were able to prove the validity of the bankruptcy. The courts have stated that they do not provide information to third parties and gathering information without verifying its validity is illegal. XXXX has sent documentation to both Experian and XXXX regarding the removal and they have not updated my credit profile.
Consumer complaint received 2023-05-12
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. (CA)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 


XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX Account Number : XXXX Delete this account. 





XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report.
Consumer complaint received 2023-02-28
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 602A. 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 1681 c ( a ) ( 5 ) section states ; no consumer agency may make any consumer reporting containing Any of the following items information any other adverse items of information, other than record of convictions of a crime which antedates the report by more then sevens years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person should not furnish any information relating to the consumer to Any other consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate
Consumer complaint received 2024-03-15
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)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2023-02-28
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. (FL)

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX have violated my rights. 

The FCRA, specifically 15 U.S.C. 1681 section 602 A, grants me the right to privacy.

In addition, 15 U.S.C. 1681 Section 604 A Section 2 prohibits consumer reporting agencies from furnishing any account information without my written instructions.

Furthermore, 15 U.S.C. 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from including any adverse item of information, except for records of convictions of crimes that occurred more than seven years before the report.

Finally, 15 U.S.C. 1681s-2 ( A ) ( 1 ) prohibits any person from furnishing inaccurate information about a consumer to any consumer reporting agency.
Consumer complaint received 2023-02-28
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I sent a letter multiple times to XXXX, Experian, and XXXX. However, it has been more than 30 days and I have not received a response regarding my investigation. The status date on my credit report has not changed, which means they are clearly not investigating the accounts. 

I am aware of my consumer rights and demand that all accounts that are negatively affecting my credit rating and violating my consumer rights be removed or blocked from my credit report. I will pursue damages for each account that is in violation if not updated.
Consumer complaint received 2023-02-28
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Click n' Close, Inc. (AR)

My mortgage company has failed to pay my home owners insurance from my escrow account. It was due XX/XX/XXXX. I have made 3 attempts to get this resolved with no action from the mortgage company. The amount owed is {$3100.00}. They also overcharged me on escrow fees in the amount of approx {$18000.00} and have yet to refund them.
Consumer complaint received 2023-02-28
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)

XXXX XXXX XXXX XXXX of birth XX/XX/XXXX Last XXXX : XXXX Accounts : XXXX XXXX XXXX XXXX XXXX XXXX  and acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX XX/XX/XXXX Re : Disputing error [ XXXX ] on credit report To whom it may concern I am writing to request a correction of the following information that appears on my [ XXXX, Experian, XXXX ] consumer report : I find these accounts listed to be in violation of the FAIR Credit REPORTING ACT and in violation of my privacy and consumer rights and confidentiality under 15 USC 1861.

Dispute 1 Accounts : XXXX XXXX XXXX XXXX XXXX XXXX and acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX My account were compromised from XXXX til about XXXX XXXX Explanation of item being disputed : from XX/XX/XXXX until about XXXX XXXX XXXX, I was a victim of identity theft while in the XXXX and XXXX for long term care. 
o The report shows I currently owe money to your company that I have already repaid. 
o The date of first delinquency on my report is not accurate. I have not have access to the accounts since XX/XX/XXXX o Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 
I have attached a copy of my report with the accounts in question circled. ] Thank you for your assistance. 

Sincerely,
Consumer complaint received 2023-05-25
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. (VA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2019-12-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (CO)

XXXX XXXX XXXX  has been attempting to collect a debt on behalf of Macy 's that was paid in full to Macy 's. They continue to post negative credit reporting against my report despite the payment being made in full. 

We were in the process of re-financing our home and this transaction required that we receive a payoff amount from Macy 's and rectify the outstanding debt. We received the information from Macy 's for a XXXX payoff of {$3500.00} that was then sent by XXXX XXXX  XXXX to Macy 's on XX/XX/XXXX and deposited by Macy 's on XX/XX/XXXX. 

We received additional collection in XXXX of XXXX via mail and responded to them on XX/XX/XXXX outlining the incorrect facts that their purported collections were based on and informing them that they had 30 days to rectify the situation. They responded in late XXXX, via mail again and are maintaining that their collections are valid. 

In XXXX, Macy 's offered a settlement at nearly half of the value that was paid and the value that was paid was the full amount of the outstanding debt. I believe that XXXX is performing collection practices that are outside of FTC regulations and local ordinances.
Consumer complaint received 2022-09-12
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. (DE)

IN accordance with the fair credit reporting act XXXX XXXX XXXX acct # XXXX has violated my rights. 


15 U.S.C. 1681 SECTION 602 A STATES I HA VE A 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 2023-02-28
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing in regards to several charge off accounts on my credit report, including the Child Support Enforcement XXXX account, XXXX XXXX XXXX XXXXXXXX account, XXXX XXXX XXXX XXXXXXXX account, XXXX XXXX XXXXXXXX account, and XXXX XXXXXXXX account. 

As you can imagine, seeing these derogatory marks on my credit report has been emotionally distressing. I have been struggling financially and have been working hard to improve my credit score, but these charge offs are hindering my progress. 

I would like to dispute these accounts and request that they be removed from my credit report. I understand that I have a legal obligation to pay my debts, but circumstances beyond my control have made it difficult for me to make timely payments. 

I kindly request that you provide me with any documentation or information regarding these accounts, including the original creditor and the date of the last payment made. Additionally, I ask that you investigate these accounts and remove any inaccurate or outdated information from my credit report. 

Thank you for your time and attention to this matter. I hope that we can work together to resolve these issues and improve my credit standing. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have tried NUMEROUS TIMES to get my PAYMENT HISTORY corrected with They continue to go in and make changes that make matters WORST! They are NOT being legal, honest or FAIR! 

I am asking that you hold them accountable and make them take those late payments OFF! I have NOT been late on my payments and their continual ERRORS and MISREPORTING make me further confirm that THIS INFORMATION IS NOT CORRECT! 

I WANT THESE PAYMENTS DELETED FROM MY ACCOUNT. I WANT THE ENTIRE ACCOUNTS DELETED AS THEY ARE NOT REPORTING CORRECTLY BY LAW AND THEY DO NOT REFLECT ME AND MY CREDIT HISTORY. 


I HAVE ATTACHED DOCUMENTATION THAT SUPPORTS THE ERRORS THAT ARE BEING MADE ON MY ACCOUNT.
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I submitted a letter to the XXXX Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2023-05-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (TX)

after opening my account i had made a XXXX check depoist on the XXXX XXXX XXXX, and it took ten days to clear, which is understandable. but the same day it became available XXXX. i started to pay my bills and the bank frozen my account with out even contacting me to see if i was even making the transactions. so i called them the same morning and tryed to tell them, but they said they would have to send a letterXXXX XXXX (. So i had lost my phone about three days before the check had cleared, so i was waiting to buy a new phone, but the bank froze my account before i could go get one ). and since this has happen i have had no access to my account. They said they were sending me a letter that would be here in about 7 to 10 bussniess days, which would have been last Thursday XX/XX/XXXX, but no letter showed up, so i called back to tell them and after a very frustrating callthey said theere was nothing they could do but sent out another letter, so here it is the XXXX and still no letter., i cant pay my bills, i haveent had a phone in two weeks because of this iv got bills in late payment, its going to show on my cridit report. they will not help me no matter how many questios i answer to verify myself., so i called again today XX/XX/XXXX, just to be hung up on very rudley., iv been dealing with this for almost a full 30 days., they let me make depoists, this has stopped me from getting a new phone which is how i run my bussniess, so it has cost me no telling how many costumers, XXXX of dollars has been lost over this freezing my account for no reason. i guess im going to get a lawyer This is CITIBANK, THEy ARE TERRIABLE. froze my account for no reason at all, didnt even check to see if it was me, and then keep me from my money for XXXX weeks now.,.,
Consumer complaint received 2023-12-20
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: FC HoldCo LLC (NY)

On XX/XX/XXXX I went to a local used car dealership, " XXXX XXXX. '' I went in with a certain amount of money as I could spend. I had recently had a baby and needed the extra space for my family. I walked into XXXX XXXX filled out an application, brought pay stubs, etc. The guy seemed as though he was fighting to get me in a XXXX XXXX XXXX. I was told that I needed at least XXXX down to get the car, the car was newer than my XXXX XXXX XXXX. I was in desperate need and gave the XXXX dollars of my income tax money to get the car. The car price was around XXXX. When I finally looked over my contract after asking the finance company for a copy of my contract. I called and told them I never received it. They tried sending it a second time which I received via a test email. After, saying she would send it I received a blank email, to which I responded It was blank. I then received a call on XX/XX/XXXX, asking if I was going to reinstate the vehicle after they repossessed, it early morning on XX/XX/XXXX. I started looking at the payments made, and what was owed a total of {$2100.00} for 3 months past due and added {$630.00} to the {$2100.00} which leaves me at a balance of {$3500.00} to get the car back by tomorrow XX/XX/XXXX. I was shocked to see a balance of {$39000.00} on my contract for a XXXX XXXX XXXX. The amount I was financed said {$20000.00}. I was in shock I would have never agreed to that! I don't care. I had a vehicle, why would I put myself in {$40000.00} worth of debt? After calling them and complaining, they could not help me. Here I am now a hard-working mother of XXXX children without a vehicle, and I have kids to drop off as well as work to go to. Please someone just some advice! Also, I live in XXXX XXXX  State and the interest rate I was given was 18.22 % I am just in such shocked people can do this. In this economy! During Covid? When I was a nurse risking my life every day just to find out I was scammed! " PLEASE, I AM BEGGING. '' XXXX XXXX was the loan for the XXXX and Flagship Credit Acceptance for the XXXX.
Consumer complaint received 2023-02-28
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)

In accordance with the Fair Credit Reporting act XXXX XXXX ACCOUNT 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 as a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-02-28
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. (OH)

XXXX XXXX  {$1100.00} balance, XXXX XXXX XXXX XXXX XXXX {$830.00}, XXXX XXXX XXXX  XXXX XXXX XXXX {$690.00}, XXXX XXXX XXXX XXXX XXXX {$330.00}, 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. 
Chapters View
Consumer complaint received 2023-02-28
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. (FL)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.