davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-01
Product: Credit reporting 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)

I am writing to file a complaint against XXXX XXXX, account number XXXX for violating my rights under the Fair Credit Reporting Act ( FCRA ). 

This account contains inaccurate information. It is not a true reflection of my credit history and continues to appear on my consumer report, despite my multiple attempts to have it removed. 

Under 15 U.S.C. 1681 Section 602 A, I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX has violated these rights by failing to remove the inaccurate information from my report. 

I request that you investigate this matter and ensure that XXXX  XXXX corrects the inaccurate information and removes the account from my credit report. 

Thank you for your time and attention to this matter.
Consumer complaint received 2020-09-01
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)

Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report.

Item # 1 : I dispute XXXX XXXX XXXX, Reported balance {$270.00}, this account is not mines. This company has not sent me any notification of debt. By FTC Law I have to be notified of debt and given 30 days to dispute. This company has broken law and this account needs to be deleted ASAP.

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 
In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter. 
Respectfully, XXXX XXXX XXXX
Consumer complaint received 2023-01-27
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. (NY)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX  XXXX Balance Owed : {$140000.00} ; XXXX XXXX Balance Owed : {$360.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$520.00} ; XXXX XXXX XXXX Balance Owed : {$7500.00} ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$3400.00} ; XXXX XXXX XXXX Balance Owed : {$7800.00}
Consumer complaint received 2020-10-21
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: Experian Information Solutions Inc. (FL)

There is an account on my credit from a company I do not recognized. The company is a third party debt collector attempting to collect XXXX plus dollars. The original company is XXXX. I have never had a XXXX account nor have I ever incurred a phone bill that large. This has to be an error. I would like this company and it's records removed from my credit report.
Consumer complaint received 2020-10-21
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: Experian Information Solutions Inc. (CT)

I have been unsatisfied with the investigation result process. I have disputed with the credit bureaus with no response at from all of them. I sent out a letter XX/XX/XXXX, then XX/XX/XXXX and still have not received anything over the mail.
Consumer complaint received 2018-04-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NY)

My loan was transferred from XXXX to Freedom Mortgage in XX/XX/XXXX. My annual escrow analysis was due in XX/XX/XXXX and none was performed. I called Freedom Mortgage on XX/XX/XXXX to request an escrow analysis as my escrow balance is almost 5,000 and I would like the excess paid out to me. The customer service agent informed me that he is unable to submit the request for an escrow analysis and that I needed to email a generic email box with my loan # and request the escrow analysis. Notwithstanding the fact that I found it entirely ridiculous the agent was not able to submit the request on my behalf, I sent an email to the address provided requesting an escrow analysis. I received an automatic reply stating that my email was received and that they would review my request. As of XX/XX/XXXX, I have yet to receive a response.
Consumer complaint received 2020-10-21
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. (CT)

I have been unsatisfied with the investigation result process. I have disputed with the credit bureaus with no response at from all of them. I sent out a letter XX/XX/XXXX, then XX/XX/XXXX and still have not received anything over the mail.
Consumer complaint received 2020-09-01
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: LEXISNEXIS (VA)

I'm contacting you about the credit reporting agency : LexisNexis XXXX  XXXX XXXX. XXXX XXXX XXXX, GA XXXX. The agency have reported the bankruptcy on my credit report which was not validated through the bankruptcy court itself. I've received a letter that the bankruptcy court has not and does not validate bankruptcies. I've ask them for a letter to verify this bankruptcy. I was not provided with one. 
Report Date : XX/XX/2020 XXXX
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (WA)

Following the XXXX data breach I signed up for an account with Equifax to freeze my credit. However, Equifax does not enable XXXX factor authentication to login to the Equifax account. That means that this company that " monitors '' my credit does not even have the basic XXXX factor authentication that almost every other financial institution employs. 

This is egregious. They have access to all manner of credit information but a simple username and password will log me into the site. Social media companies have more robust security and all they are protecting is memes and stupid videos.
Consumer complaint received 2020-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX XXXX  and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. 

XXXX XXXX XXXX XXXX XXXX {$17000.00} XXXX XXXX XXXX {$5100.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Consumer complaint received 2017-08-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (TN)

I had secured a mortgage for my mother in  XX/XX/XXXX  to help her prepare for retirement and at a rate that I would be able to afford when she was n't. I was only able to secure a fixed rate loan for 15 years that would balloon at the end of the 15 years. Once I returned from deployment in  XX/XX/XXXX , I started contacting Ocwen about refinancing since I knew the loan would balloon within the next 2 or 3 years. Instead of ever giving a direct answer yes or no, Ocwen kept having me to fill out the HARP forms for assistance and then they would deny it. I knew my income was too much for HARP assistance, but I couldnt understand why I didnt qualify for refinancing. After reviewing my credit report, Ocwen showed I was 30 days late once out of 4 years in  XX/XX/XXXX . I never understood why they wouldnt refinance the loan.
Once the loan ballooned in  XX/XX/XXXX , Ocwen refused to accept any more payments from me and would only settle for the full amount ; even though I requested to continue to make payments. To this day, I do n't know why Ocwen would n't refinance the amount owed at the end of fifteen years or would n't accept my payments since my credit was good. I hesitated in contacting anyone. My mother became ill and passed away in  XX/XX/XXXX . In J XX/XX/XXXX , the home was foreclosed on and sold by Ocwen. I felt helpless at the time. I tried refinancing the home after I found that Ocwen was showing me delinquent in my payments. Of course, it was too late because all financial institutions saw the delinquencies on my credit report and would n't approve me for a loan.
During the foreclosure process, Ocwen sent me another HARP assistance packet. Of course, it was denied. Then a week before the scheduled foreclosure Ocwen told me that the only way I could prevent the foreclosure was to pay {$10000.00} to stop it. My wife told me to request that in writing by fax or email. Well, I never received the request. At that time, I knew I had lost the house at this point and Ocwen wasnt going to try to help me to keep the house.
I feel Ocwen took advantage of me and betrayed me by not refinancing my loan up until the balloon date in order to repossess the house. By showing the late payments on my credit report, it enabled them to have total control over the loan leaving me without any options except the full amount of {$43000.00} which I didnt have.
Please let me know if I have any legal rights in this matter or at least remove the bad remarks on my credit report. Thank you.
Consumer complaint received 2020-10-15
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Georgia Student Finance Authority (NC)

Complaint is with Georgia Student Finance Authority. On XX/XX/2020, wrote a letter to this private student loan creditor to verify that this account belonged to me. Responded by sending a letter that stated Borrower Identification is missing. I wrote an letter on XX/XX/2020 asking them to remove this account from my credit report. They have not removed the account from my credit report.
Consumer complaint received 2020-05-04
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. (HI)

XXXX ; Experian and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had stopped using this XXXX XXXX  XXXX account completely. The only reason I have kept it is because it is one of my older accounts. I thought I had removed the autopay for the car insurance which is usually paid bi-annually from this card. I never received any correspondence that this account was in jeopardy. I was however, receiving numerous SPAM calls from representatives claiming to be from XXXX  XXXX XXXX. There was a clear language barrier from the people making these calls so I am not sure from where the calls were coming from. I didnt think there was any reason for concern so I didnt follow up with XXXX XXXX XXXX to inquire as to whether my credit card account was in jeopardy. I did not know there was a late reporting on this card until I obtained a recent copy of my credit report. I tried contacting XXXX XXXX  XXXX to explain the circumstances of the situation but I was never able to reach a supervisor to assist me. At the time this card was opened my credit limit was {$15000.00} and was then reduced to {$500.00}. I thought this was suspicious as well. I have tried numerous times and have asked XXXX XXXX XXXX to remove this late since clearly it is reporting in error however, I have not been successful. This false reporting of a late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this but have not been successful.
Consumer complaint received 2019-05-30
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. (OR)

This account is being reported incorrectly as failed to pay when this account has been paid off in full. Per my agreement with the collection agency. The account should be deleted as such and should not be reporting inaccurately
Consumer complaint received 2017-08-06
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: AMERICAN EXPRESS COMPANY (MI)

I called these companies to have all my inquiries removed because some one tried to apply for credit cards in my name and was not authorized to do so. Now these are listed as hard inquiries on my credit report with the 3 bureaus. None of the inquiries have been removed yet. XXXX XXXX- Hard Inquiry- XXXX XXXX XXXX- Hard Inquiry- XXXX, XXXX XXXX XXXX- Hard Inquiry- XXXX, XXXX XXXXt- Hard Inquiry- XXXX, XXXX AMEX- Hard Inquiry- XXXX XXXX XXXX- Hard Inquiry- XXXX XXXX- Hard Inquiry- XXXX
Consumer complaint received 2020-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

XXXX ; XXXX  and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had stopped using this XXXX XXXX  XXXX account completely. The only reason I have kept it is because it is one of my older accounts. I thought I had removed the autopay for the car insurance which is usually paid bi-annually from this card. I never received any correspondence that this account was in jeopardy. I was however, receiving numerous SPAM calls from representatives claiming to be from XXXX XXXX XXXX. There was a clear language barrier from the people making these calls so I am not sure from where the calls were coming from. I didnt think there was any reason for concern so I didnt follow up with XXXX XXXX XXXX to inquire as to whether my credit card account was in jeopardy. I did not know there was a late reporting on this card until I obtained a recent copy of my credit report. I tried contacting XXXX XXXX  XXXX to explain the circumstances of the situation but I was never able to reach a supervisor to assist me. At the time this card was opened my credit limit was {$15000.00} and was then reduced to {$500.00}. I thought this was suspicious as well. I have tried numerous times and have asked XXXX  XXXX XXXX to remove this late since clearly it is reporting in error however, I have not been successful. This false reporting of a late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this but have not been successful.
Consumer complaint received 2023-02-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NC)

On XX/XX/XXXX around XXXXXXXX XXXX. I received a call from XXXX Wells Fargo about " fraudulent '' activity on my account. The person identified them self as XXXX XXXX employee number XXXX. XXXX " scammer '' reviewed 15 transactions as various locations/vendors in Texas. I confirmed I did not have a transactions matching the described activity. XXXX than confirmed a recent deposit in my personal account shared with my mother. They gave the amount and who the deposit was from Social Security. They said the had identified the perpetrator as a XXXX XXXX XXXX. They asked if I wanted to press charges and I said absolutely yes. He, XXXX said my accounts would be frozen and or closed for pending investigation. On XX/XX/XXXX I logged into my XXXX account and saw many transactions and became very suspicious. The same person and number called back around the same time of day. He said he was calling to give me my new account number. New Account # XXXX. I then said I wanted to call back the number to verify his information. He agreed. I called the same number and reached a Wells Fargo representative who I believe identified herself as XXXX. XXXX asked XXXX for his XXXX number (? ) he gave her XXXX. She said she could not verify him. I said okay I will go to a branch to verify. He stayed on the line while I was driving and then as I entered the bank dropped the line. I was informed at the branch that I had multiple cash advance attempts on my personal credit card that had been declined and a cash advance on over XXXX on my business account as well as two wire transfers one from each account both for XXXX. The first wire was to XXXX XXXX to XXXX XXXX XXXX from my business account and the second was from my personal account to XXXX XXXX XXXXXXXX for XXXX XXXX XXXX. I contacted my financial advisor who helped me contact the fraud department to open a case for all of the activity.
Consumer complaint received 2024-02-23
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. (TX)

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 XXXX5 USC 1681.

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 2023-03-10
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: Thaxton Investment Corporation (GA)

In accordance with the fair credit Reporting act XXXX XXXX Account 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 must furnish an 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 purpose.
Consumer complaint received 2020-05-04
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. (AZ)

THERE ARE ACCOUNTS ON MY CREDIT THAT ARE NOT MINE, I HAVE SENT 5+ LETTERS TO THE BUREAUS TRYING TO GET THEM REMOVED WITH VERY LITTLE LUCK. THESE ARE THE ACCOUNTS THAT NEED TO BE BLOCKED UNDER 605B OF FCRA. 


XXXX XXXX XXXX., XXXX  XXXX XXXX XXXX., DEPT OF ED/XXXX XXXX., DEPT OF ED/XXXX XXXX., DEPT OF ED/XXXX  XXXX., DEPT OF ED/XXXX XXXX., XXXX XXXX XXXX XXXX XXXX., XXXX XXXX XXXX., XXXX XXXX XXXX!!!
Consumer complaint received 2024-02-23
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. (CA)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer
Consumer complaint received 2020-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (NE)

Wells Fargo recently denied credit XXXX XXXX XXXX, XXXX, NE involved in corrupt business practices. 
XXXX XXXX, a lending company with XXXX XXXX XXXX ( XXXX, NE ) was used to obtain personal information and is attempting to use that information in ACH scam. 

There have been additional violations to my credit ; all after, I cleared my credit through Federal Banruptcy filling XX/XX/2018. 
Absoulutely, nothing should prevent me from gaining creditworthiness.
Consumer complaint received 2020-10-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There is an account on my credit from a company I do not recognized. The company is a third party debt collector attempting to collect XXXX plus dollars. The original company is XXXX. I have never had a XXXX  account nor have I ever incurred a phone bill that large. This has to be an error. I would like this company and it's records removed from my credit report.
Consumer complaint received 2017-08-06
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL (AZ)

I had the lowes credit card from XXXX XXXX. Somehow I lost it. I was always on time to pay for this. I asked them to send me another one ... .more than a month back ... nothing came from their side.