davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX  XXXX Account # XXXX, XXXX XXXX & XXXX Account # XXXX, XXXX XXXX XXXX  Account XXXX XXXXXXXX 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 2022-05-15
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. (MD)

In accordance with the Fair Credit Reporting Act, 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 an account without my written instructions
Consumer complaint received 2023-06-06
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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 2015-12-16
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Onity Group Inc. (FL)

XXXX XXXX XXXX, XXXX, as Indenture Trustee for the Registered Noteholders of XXXX XXXX XXXX XXXX XXXX XXXX ( " XXXX '' ) was to provide notice of assignment within thirty ( 30 ) days of alleged acquisition of my note and mortgage in XXXX XXXX. But, never did such. My lender, XXXX XXXX XXXX, went out of business and shuttered its doors in XXXX. Yet, 3 years later Ocwen Loan Servicing , LLC ( " Ocwen '' ), modified my mortgage in XXXX XXXX and used a robo-signer to endorse the modification agreement. Then, 7 months after modification, Ocwen, with the assistance of MERS, prepared an Assignment in XXXX XXXX from XXXX Mortgage to XXXX. Thus, in XXXX XXXX no lender could have authorized Ocwen to continue to accept mortgage payments, better yet modify my loan and mortgage. Further, it was impossible for XXXX XXXX to authorize any real property transfers in XXXX XXXX since it had closed 3 years prior. Also, the Assignment that Ocwen prepared was for a transfer from XXXX Mortgage to XXXX. However, an endorsement is affixed to an Allonge wherein my loan transferred from XXXX Mortgage to XXXX XXXX, so my loan could not have transferred from XXXX directly to XXXX. Next, the Assignment prepared by Ocwen in XXXX was largely executed by robo-signers : XXXX XXXX, XXXX XXXX, and notary XXXX XXXX. Last, the Assignment is executed by MERS in its individual capacity ( by an Ocwen employee ) and not as a nominee for any party. But, MERS was never my lender and thus not the party to transfer my mortgage from itself to any other party. Consequently, there was no valid assignment of my loan and mortgage from XXXX XXXX prior to its closure in XXXX and Ocwen has clouded my title with its illicit conduct. Despite the fact that XXXX has not obtained the legal right to foreclose my mortgage, in XXXX it commenced a foreclosure action based on the above described fraudulent activity.
Consumer complaint received 2022-05-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In accordance with the Fair Credit Reporting ActXXXX 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 an account without my written instructions
Consumer complaint received 2022-03-21
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect
Consumer complaint received 2022-10-13
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. (LA)

In accordance with the Fair Credit Reporting act my rights have been violated. 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 I recently reviewed my credit report and noticed some unauthorized accounts on my credit report. In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. The account is in charge off status but still showing a balance this is a tax fraud because this alleged debt has been written off on the companies profit/loss statement.This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A. Under 15 USC 1681A 3, this role was assumed without permission nor my consent. My right to privacy was neglected and not respected which is under 15 USC 1681A 4. You did not exercise your grave responsibility, you were unfair, you were partial. You were never given permissible purpose under 15 USC 1681B 2. I never instructed anyone to furnish or create this report
Consumer complaint received 2022-03-21
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. (TX)

n accordance with the Fair Credit Reporting act XXXX  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 2022-05-15
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. (MS)

My name is XXXX XXXX and I am a consumer/natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. I demand that the following accounts listed on attached document be removed immediately.
Consumer complaint received 2022-05-15
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. (MD)

In accordance with the Fair Credit Reporting Act, 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 an account without my written instructions
Consumer complaint received 2019-07-22
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MA)

I opened XXXX account with Comenity Capital Bank for XXXX Mastercard in XX/XX/XXXX, made one charge that month and paid balance in full the following month in XX/XX/XXXX. I've not used it since, and never received a card or statement. 

I've tried to close this card ; and instead am now g dunned for {$160.00} in fees for XX/XX/XXXX, which I was never billed. 

Comenity claims it sent me an annual fee bill for {$55.00} in XX/XX/XXXX, which I have never received. Comenity never sent me a bill, claiming it was emailed to me. They then claim this is now {$160.00} due to late fees. I never received any such original or subsequent bills. Checking with my service provider I've not received any bill by email ( not in trash, junk or other folder ). 

I asked them to close my account, which they say they'd already done ; but that the will not adjust a closed account. The supervisor XXXX in Customer Care ( # XXXX ) would also not adjust the account. 

I'm sending them the {$55.00} original annual fee, even though I didn't want the card in the first place. This kind of usurious behavior should be prohibited. Please put this in your Comenity Capital Bank file -- I'm sure there are many others with this same complaint! 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX
Consumer complaint received 2022-05-18
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Report, XXXX XXXX, Account # XXXX {$130.00} and showing as charged-off is incorrect. This was a secured account which was closed with the full deposit of {$400.00} taken by XXXX XXXX to cover a balance less than {$400.00}. XXXX XXXX erroneously and fraudulently added extra fees to the account after it was closed and deposit used for outstanding balance. They have erroneously reported the account as charged-off as it was closed and deposit used. There was not a balance to charge off at closing the account. The have 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 instruction.
Consumer complaint received 2022-05-15
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: Synovus Bank (OK)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 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.

15 USC 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 2022-05-18
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX ( XXXX XXXX XXXX , OH ) 15 U.S.C 1681 Section 602 A. States I have the right to Privacy.

! 5 U, S, C Section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-05-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Collection Bureau, Inc. (LA)

I went to the hospital on XX/XX/2021 which I have gotten a full detail bill on. A charge on XXXX was put in collection on my credit report in late XXXX which I did not know prior till seeing this in my report I never heard of this amount owed. I reached out the the collection agency and they failed to give relative information such as detail billing on the date and the amount charged. I called both my insurance and hospital and they both stated that there was not a charge of XXXX relative on that date or any other date prior or present to that. I received detail bills from both my insurance and the hospital and that charge of XXXX was never on there. I have tried with the collection agency but they have no saying this was me, that have not provided correct information when it comes to billing.
Consumer complaint received 2024-02-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (FL)

The collection activities violate my rights under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C 1692 ( c ) and other applicable laws.

Per Fair Credit Reporting Act ( FCRA ) ( 15 u.s.c. 1681, I have a right to sue ALL creditors for negligence and willful noncompliance.

These credit company is also illegal report an account that is not verified. The creditor has insufficient information and have no original address on file, no original contract, phone number, copy of a valid driver license or identification card, social security card, or a valid signature signed contract for these alleged accounts.

I have requested the information be mailed to me to my home address. These companies refuse to mail information to me. The are mailing my personal information to fraudulent addresses : XXXX XXXX XXXX XXXX, Oh XXXX XXXX XXXX XXXX XXXX, Oh XXXX I have never had any affiliation with these addresses. 

XXXX XXXX is report an unverified social security number, address, phone number, and name. None of the information matches my personal information. 

When asked to provide documentation the company has declined. Therefore the account shall be removed from immediately from consumer credit files. 

ALL companies listed are in violation of consumer rights Per Fair Credit Reporting Act ( FCRA ) ( 15 ) U.S.C. 1681, 611 - 15 U.S.C 1681 B ( li ) ( 7 ).

I dispute the validity of the debt, and as such, I demand that ALL creditors listed cease any attempts to collect on the alleged debt. Please consider this letter as a formal notice under the FDCPA, and any further communication on this matter will be considered a violation of my rights. 

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 2022-05-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

on XX/XX/2021, i sent a letter to XXXX about some incomplete and inaccurate items that there are reporting on my credit report and has not verified them.i sent it usps certified mail w/tracking # XXXX and hasn't heard from them as of yet. 
on XX/XX/2021, i sent a letter to XXXX w/tracking # XXXX XXXX XXXX XXXX XXXX and hasn't been verified, on XX/XX/2021, i sent a letter to Equifax w/tracking # XXXX XXXX XXXX XXXX XXXX about inaccurate information as well with no verification.
Consumer complaint received 2022-05-15
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. (NV)

My current situation is, that I have been victim of fraud, since my XXXX XXXX XXXX account was hacked.Were I was denied from the total access into my personal customer portal.Consequences of this evil criminal action.Honestly, i'm facing the worse nightmare ever.So whoever took ownership of my hacked account.Had the audacity to contacted every single individual from my XXXX friends list, a total of XXXX persons, wich i consider long amount.Using my identity, trying to obtain personal data information from them, for financial purposes.After this incident was brought to my attention, immediately I report my problem to the XXXX customer support.Staff members, that haven't reply me back till today 's date.Then a couple days after.I couldn't access my XXXX XXXX XXXX also from my two primary electronic emails address, we're I used to receive all my important personal events.Some of my debit prepaid bank cards was compromised, matter that is taking care already.Plus on my credit report it shows a dramatically amount of credit inquiries, the ones are impacting negatively into my current score.I start receiving emails orders confirmations from XXXX, XXXX, non authorized XXXX & XXXX app payments, regular phone text messages referring to personal loans, car purchases, such utilities bills debts that are not common, following thoses steps measures.So, after all this unexpected things start happening, i went to a local police station to file a report.There, the officers provided me a list with the steps for me to follow in order to resolve my concern.I filed a federal trade commission report fraud ( # XXXX ), another report to the XXXX & i contact my 3 credit report bureau placing an alert fraud & blocking the access to any of my personal info.
Consumer complaint received 2022-05-15
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. (NV)

My current situation is, that I have been victim of fraud, since my XXXX XXXX XXXX account was hacked.Were I was denied from the total access into my personal customer portal.Consequences of this evil criminal action.Honestly, i'm facing the worse nightmare ever.So whoever took ownership of my hacked account.Had the audacity to contacted every single individual from my XXXX friends list, a total of XXXX persons, wich i consider long amount.Using my identity, trying to obtain personal data information from them, for financial purposes.After this incident was brought to my attention, immediately I report my problem to the XXXX customer support.Staff members, that haven't reply me back till today 's date.Then a couple days after.I couldn't access my XXXX XXXX XXXX also from my two primary electronic emails address, we're I used to receive all my important personal events.Some of my debit prepaid bank cards was compromised, matter that is taking care already.Plus on my credit report it shows a dramatically amount of credit inquiries, the ones are impacting negatively into my current score.I start receiving emails orders confirmations from XXXX, XXXX, non authorized XXXX & XXXXXXXX XXXX payments, regular phone text messages referring to personal loans, car purchases, such utilities bills debts that are not common, following thoses steps measures.So, after all this unexpected things start happening, i went to a local police station to file a report.There, the officers provided me a list with the steps for me to follow in order to resolve my concern.I filed a federal trade commission report fraud ( # XXXX ), another report to the XXXX & i contact my 3 credit report bureau placing an alert fraud & blocking the access to any of my personal info.
Consumer complaint received 2019-11-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC (MO)

We have submitted a full short sale package along with an offer to purchase from a cash buyer. The investor would not order an appraisal would not counter our buyer or tell our buyer the amount they would want to XXXX to approve the offer. Our buyer is able and willing to counter to the amount the Lender would require. Our seller has no income, true hardship medical issues and has asked that the lender postpone the sale to approve the short sale. We even submitted a higher offer that we saw pending a drive by appraisal back in XXXX of 2019 to ask if that would help to approve and the lender would not entertain any offers even after all docs have been collected.
Consumer complaint received 2024-02-15
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: Experian Information Solutions Inc. (GA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2022-05-18
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. (TN)

In accordance with the Fair Credit and Reporting Act, XXXX Accounts : XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX. 
XXXX XXXX XXXX Account # XXXX, have violated my rights 15 USC 1681 section 602 A, states that 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 insctruction.