davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

The information that is reporting on my credit report is not correct my name is XXXX XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX, maryland XXXX. Everything else far as my address and name that is reporting on my credit report is incorrect.
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (TX)

On XX/XX/2021, I paid the total balance due on my credit card bringing my account to XXXX. For some reason, the company charged me interest on account of {$1.00} on XX/XX/2021. From that point to now, they started charging me late fees bringing the amount due to {$47.00}. This was never reflected on my on-line account as anything being owed. I was still thinking the account was paid in full, until I received a call from a Comenity Bank representative on behalf of XXXX  stating I had an outstanding balance and that my account was past due. I immediately paid the outstanding amount, even though I didn't agree with it. She then gave me a credit of the late fees. She also stated that no statement was ever generated or sent to me indicating that an amount was due. She said that she would submit a request to have this removed as it seemingly was a system error on their part. This is still reflecting on my credit report as a late fee and I would like this removed completely because how was I supposed to know anything was due if it was not reflecting on my on-line account nor did I ever receive a statement from the company informing me that something was due? I was also told they would send me a letter stating the gave me a credit of the late fee and also a letter stating my account reflects a XXXX balance, which I have yet to receive.
Consumer complaint received 2022-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

The account in question, XXXX XXXX XXXX incorrect information on my report on XXXX different credit reporting agencies. This information is negatively affecting my credit file due to the inaccurate information stated by the company.
Consumer complaint received 2019-04-24
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: EQUIFAX, INC. (MD)

To Whom It May Concern : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX CFPB XX/XX/XXXX RE : XXXX I have recently been informed that there is negative information reported by XXXX XXXX  and US Bankruptcy Court of XXXX Maryland in the files maintained by Equifax, XXXX  and XXXX  under my social security number. Upon reviewing a copy of my credit reports I see the following entries : XXXX XXXX stated they started " FORECLOSURE PROCEEDINGS '' on XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX ( not sure which date is correct ). These are the dates that I have found on the reports. A bankruptcy was dismissed on XX/XX/XXXX from the XXXX Courts. 

I challenge the accuracy compliance and reportability of these listings for the following reasons : I have attached documentation pertaining to these derogatory conditions and I spoke to XXXX XXXX  and sent a Goodwill letter ( see attachment ) regarding the information. Please note that the property was a full sale and the Title company stated this was in no way a foreclosure and information should not have been reported on my credit reports. The Goodwill letter explained my circumstances and with that being said XXXX XXXX  granted me a lien release to have the " Foreclosure Proceedings '' deleted from my reports ( see attachment ) ; however, Equifax, XXXX  and XXXX  have not deleted this information from my reports. 

The bankruptcy information was followed up with a letter from XXXX XXXX and the court to have this information deleted based on the fact that this information was not reported by the courts and is considered to be false information on my report when they claim to have gotten the information directly from the courts. Please see attachments from the courts and XXXX XXXX. I contacted the court and asked them to verify this information and the letter states that the courts does not verify information directly with the credit reporting agencies ; therefore, I would like to have this information removed due to it showing the credit bureaus error in reporting my public records. I would like written confirmation stating this information has been corrected and updated sent to my home address listed below. 

Thanking you in advance for your cooperation in this important matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX
Consumer complaint received 2019-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

THIS IS NOT A DUPLICATE COMPLAINT. XXXX XXXX XXXX is reporting an account with the INCORRECT ACCOUNT NUMBER, thus all three bureaus are reporting on this item incorrectly. The account number XXXX. The collection was originally through a lender called XXXX. XXXX XXXX XXXX, however, only reports with their reference number XXXX. Because of this error, all three bureaus have reported on this incorrectly. Experian has showed this item either as a Charge Off, or even as being in collections as recently as last month, even though the account has been Closed and Paid In Full since 2016. I have sent a copy of this complaint to National Credit Adjusters, XXXX and XXXX through the Consumer Finance Protection Bureau, and now am sending a copy to Experian, due to being limited to contacting only three companies at a time per complaint.
Consumer complaint received 2023-07-21
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: EQUIFAX, INC. (FL)

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-07-21
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. (TX)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$100.00} ; XXXX. XXXX, XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$1200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$220.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} ; RESIDENT VERIFY XX/XX/XXXX ; XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; US POSTAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-06-27
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: Experian Information Solutions Inc. (FL)

THE DISPUTED ACCOUNT DOES NOT BELONG TO ME, I DID NOT AUTHORIZE THIS ACCOUNT UNDER MY NAME, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER TO CORRECT YOUR CREDIT REPORTING INACCURACIES.
Consumer complaint received 2015-07-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (NY)

I have been dealing with Experian on numerous false items on my credit report and they are refusing to complete the investigation according to the information I have given them. Each time I give them the information they ask for, I get a form letter saying " Frivolous dispute '' we will not complete, which is false. I have numerous items from XXXX on my report that are XXXX reporting as late accounts, which is false, and as public judgement s, which is also false. I contacted the Court and they told me these records are not being validated properly yet each time I get a letter from Experian, they say the investigation has resulted in the items being mine. Case in point is the name of the co-signer listed on these records. The person does not exist and the social security number does not match the name of the person listed, therefore making these records ALL false and they all should be deleted. Yet, each time I bring this to the attention of Experian, I get a form letter saying they are under NO obligation to investigate because they already did an investigation. This is complete nonsense, as they are clearly using a computer driven data drive to match only my name and information listed with a record of another person and they never investigate the co-signer information, as I told them it would clearly show these are false.
Consumer complaint received 2023-03-15
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

In accordance with the Fair Credit Reporting Act, Capital One : Account # XXXX, has violated my consumer rights. Last year XX/XX/2022, I filed a complaint with CFPB under complaint # XXXX, stating that Capital One has been misusing my information and reporting to the credit reporting agencies information that they were not allowed. They case was closed and nothing was done. I have filed an identity theft report on this matter as well under Report # XXXX. 

15 U.S. Code 1681 A- states that I have a right to privacy. 15 US Code 1681b subsection ( a ), also states a consumer reporting agency can't furnish an account without my written instructions. Under 15 US Code 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. Violation of TILA 15 US Code 1666 ( b ) Billing Error Violation of 15 US Code 1681 - Congressional findings and statement of purpose. If you are unable to provide me with a copy of the verifiable proof, that I was given an option to opt out and not forced to only opt in, in order to receive extension of credit, then you must update and/or remove the information. 15 US Code 6802 - Obligations with respect to disclosures of personal information. ( b ) Opt out ( 1 ) In general, a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I was never given the opportunity to agree or rescind that my information be reported to a credit reporting agency ; nor was I given the opportunity to deny. I have the right to privacy and what goes on my credit report. I have also filed an identity theft report with the FTC as well. Additionally, failure to respond satisfactorily with the null and void of this account will result in the above actions taken against your company in small claim state proceedings ; I will also be seeking monetary relief of ( {$1000.00} ) per violation for 1 ) Defamation of Character 2 ) Negligence infliction of Emotional Distress and 3 ) Violations of 15 U.S. Code 1666 ( b ) and 15 U.S. Code 1681.
Consumer complaint received 2023-03-15
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. (IL)

Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items.
Consumer complaint received 2022-10-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (NY)

I received a letter in the mail in XX/XX/2022 from a company called XXXX XXXX stating that I was eligible for the consolidation of my student loans, and I am eligible for loan forgiveness. I called them and we set up a plan that would make my debt forgiven after 120 payments. In order for them to make the documents they said I had to pay {$800.00}. I wasn't able to pay that amount up front, so we set a payment plan to take three separate payments out over a span of a couple weeks. Since then, {$39.00} have been coming out of my bank totaling {$1000.00} has been taken out of my checking account and no changes have been made to my student loan status nor have these payments been applied to my loans. I contacted Federal Student Loans and told I was scammed, and these forms are free to contact my bank. I have all of my emails and agreement from them. When I finally got through to them, they made me feel like I was making things up and even said in my agreement I was able to do these forms for free. Nowhere in the agreement said that. 
Unfortunately, my bank can not resolve my issue as it is 60 days before the transactions.
Consumer complaint received 2020-11-10
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. (LA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  LA XXXX XXXX XXXX XXXX, XXXX  LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX XXXX {$4400.00} XXXX  CARD XXXX {$4600.00} XXXX XXXX XXXX XXXX {$16000.00} XX/XX/XXXXXXXX {$2500.00} XX/XX/XXXX XXXX {$3400.00} FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MA)

DEAR CFPB ; CRA 'S ; XXXX XXXX XXXX ; I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I honestly do not believe to ever have any relationship with this collection agency or original creditor. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2023-03-15
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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2020-11-10
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. (UT)

I tried contacting Transunion to remove fraudulent inquiries that I did not authorize. The inquiries I tried to remove are listed below : XX/XX/XXXX XX/XX/2020 XX/XX/XXXX XXXX XX/XX/2020 XX/XX/XXXXXX/XX/XXXXXX/XX/2020 XX/XX/XXXX XX/XX/2020 XXXX XX/XX/XXXX XXXX  XX/XX/2020 XXXX XX/XX/2020 XXXXXX/XX/XXXXXX/XX/2020XX/XX/XXXX XX/XX/2020 XXXX XX/XX/XXXX XX/XX/2020 XX/XX/XXXX XXXX XX/XX/2020
Consumer complaint received 2017-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I recently reported  XXXX  loan servicing to all   XXXX   major credit reporting agencies for reporting fraudulent false information which has damaged my credit. The pretender lender loan servicer, its   XXXX   crooked litigation lawyers and shady CEO level incompetent employee 's have all been threatening me, harassing me for years with fraudulent altisource trustee sale if I did n't sign a none negotiable increased loan modification in 48 hours, that I pay the pretender lender loan servicer   XXXX   over {$750000.00}, over {$200000.00} more then the {$550000.00} original loan amount that was paid in full over 10 years ago and keep my matter confidential, and threatened me that I better not tell anyone anything about all the fraud the pretender lenders have done to me my life, if I did n't follow the pretender lender loan servicers orders the pretender lender loan servicer would immediately seize my home I own free and clear without any further warning and throw me and my family in the streets.  XXXX    XXXX    and all the pretender lender loan servicers have all been using fraud upon the court to be guaranteed judgment rescind my full reconveyance and steal my home I own free and clear. Recently, the pretender lender loan servicer has been making up increased principal balances increased monthly payments and increased other fraudulent fees, threatening me with foreclosure.  XXXX   XXXX  IS MY ATTORNEY WHO WILL BE FILING MAJOR LAWSUIT AGAINST THE FRAUD WHITE COLLAR CRIME PRETENDER  LENDER LOAN SERVICER OPERATION SEEKING THE MAX DAMAGES. I ASK THAT ALL  XXXX  MAJOR CREDIT R EPORTING AGENCIES PLEASE CONTACT MY LAWYER ATTACHED.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

THIS IS A NEW COMPLAINT WITH NEW INFORMATION. 

An official validation letter was mailed to the address listed on your website on XX/XX/XXXX, and shown to be delivered on XX/XX/XXXX, to the " Front Desk/Reception/Mail Room ''. Even after filing a CFPB complaint, the company failed to validate this debt properly. The company 's response does not come close to the validation requested in the same letter attached to this complaint nor by what the CFPB considers validation. Merely citing a social security number and providing the balance amount, which I provided in my previous complaint, is not validation. This account shows a last activity date of XX/XX/XXXX, for TransUnion and XX/XX/XXXX, for XXXX. The account was either changed, updated, or opened/closed in XX/XX/XXXX, or it wasn't -- the same for XX/XX/XXXX. There can't be two dates for the same account. The FCRA states that all reported accounts need to be verifiable and timely. If these dates hold true, which I assume they are, this constitutes that this account is NOT timely and may have violated the FCRA. Your failure to provide proper validation may have also violated the FDCPA. As a consumer, I am entitled to a credit file that is 100 % accurate, timely, and verifiable, which this account is not.
Consumer complaint received 2020-11-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NJ)

I have a mortgage with PHH mortgage and they should pay the property taxes from the Escrow account, The taxes are due on XX/XX/XXXX and till today XX/XX/XXXX, they did not pay the taxes. 
I called them many times and their representatives ensured to me that they will pay the taxes on time, but they did not. 
I also faxed them a copy of the tax bill as received from the township on XX/XX/XXXX.