davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-10
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. (TX)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2024-01-10
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. (TX)

I hope this message finds you well. I am writing to express my concern and submit a complaint to EXPERIAN regarding the improper use of my credit report and the reporting of inaccurate information on my file. I previously sent a letter to your office requesting an investigation into certain unverifiable accounts. Despite your assurance of conducting a proper investigation, upon reviewing my credit report, I discovered that inaccurate information persists. The discrepancies include but are not limited to, the date opened, date of last activity, date reported, account status, and payment history. It is disheartening to note that such inaccuracies continue to be reflected in my credit report, despite the initial request for investigation. I believe this situation infringes upon my rights as outlined in 15 U.S.C 1681 section 602 A, which emphasizes my right to privacy. Additionally, 15 U.S.C 1681 section 604 A Section 2 stipulates that a consumer reporting agency can not furnish an account without my written instructions. I kindly request a thorough review of my case and the prompt correction of the inaccuracies in my credit report. Your cooperation in resolving this matter is highly appreciated. I trust that, as a reputable credit reporting agency, EXPERIAN will take the necessary steps to rectify this situation and ensure the accuracy of the information in my credit file. I have attached an FTC report with the report number XXXX to support this complaint.
Consumer complaint received 2017-05-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

XXXX  bank portfolio Recovery is garnishing my account from a balance that was apparently from  XXXX  On my credit report it is showing that is charged off.. I was told that I made a payment in  XXXX  of {$50.00} and the Representative failed to provide me with poof and stated that this restarted the process. I have no knowledge of this and was n't served any legal papers. They took my state income taxes.
Consumer complaint received 2024-01-10
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. (NY)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.
Consumer complaint received 2021-11-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Viking Client Services (NY)

I RECEIVED A LETTER IN THE MAIL PERTAINING TO A RENTAL COMPANY CALLED XXXX. DOESNT SHOW DATES OR AMOUNTS OWED OR MEMBER NUMBER. IDOTN EVEN OWN A MEMBERSHIP WITH THIS COMPANY AT ALL. BUT I DO RECALL MY INFORMATION STOLEN BY XXXX XXXX PATIENT. I DID REPORT INFORMATION STOLEN AT THAT TIME AND GOT REPLACEMENT OF ID.
Consumer complaint received 2015-04-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (FL)

I wanted to short sale this property and I called GMAC mortgage and they advise me that I would have to go late XXXX days on the mortgage to do a short sale. They put me info forclosure at the same time as the contract was submitted to them. I was n't in forclosure at all and I was XXXX days and not XXXX days. Doing exactly instructed by GMAC mortgage. This loan was closed by XXXX/XXXX/2012 and property listed for sale XXXX and contract was signed XXXX/XXXX/12 by seller and buyer. I have attached copies of documents. Showing this was never into forclosure.
Consumer complaint received 2015-09-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (PA)

My XXXX mortgages were service transferred from Ocwen to a new servicer as of XXXX XXXX, 2015. I did not receive any notice of the transfer from Ocwen. My payments for all XXXX mortgages were sent via electronic transfer to Ocwen from XXXX XXXX XXXX my account ) on XXXX/XXXX/15 and were received by Ocwen on XXXX/XXXX/15. I called Ocwen to confirm that they received my payments and they are telling me that they have no record of the transfers to them as of XXXX/XXXX/15. I went to my bank and confirmed that the payments were sent and they were definately sent to Ocwen. Ocwen keeps telling me that they can not tell me where my money is even through they have had it for over XXXX hours in their wire transfer account.
Consumer complaint received 2024-01-10
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. (IL)

I am writing to file a formal complaint against Experian, a consumer reporting agency, for its persistent failure to rectify inaccuracies in my credit report despite multiple disputes lodged against accounts associated with XXXX XXXX XXXX. I have previously submitted disputes on XX/XX/2023, XX/XX/2023, and XX/XX/2023, regarding the following accounts : Account XXXX ( {$500.00} ) XXXX. Account XXXX ( {$2700.00} ) XXXX. Account XXXX ( {$2000.00} ) XXXX. Account XXXX ( {$1800.00} ) XXXX. Account XXXX ( {$1900.00} ) XXXX. Account XXXX ( {$500.00} ) XXXX. Account XXXX ( {$1100.00} ) XXXX. Account XXXX ( {$1300.00} ) XXXX. Account XXXX ( {$2400.00} ) Despite my vigorous efforts to dispute these accounts, Experian has failed to rectify the inaccuracies, and these accounts continue to be erroneously reported. This egregious misreporting not only violates my consumer rights under the Fair Credit Reporting Act ( FCRA ) but also infringes upon the Fair Debt Collection Practices Act ( FDCPA ). 

I have provided Experian with clear evidence supporting my dispute, including multiple certified letters detailing the inaccuracies and requesting the removal of these disputed accounts. Unfortunately, Experian has yet to take appropriate action, even with each certified letter providing proof of each violation. This ongoing failure to address and rectify the reported inaccuracies demonstrates a blatant disregard for the FCRA and a persistent violation of consumer rights. 

The XX/XX/2023, letter reiterated my concerns and provided additional documentation reinforcing the inaccuracies in question. Despite the evidence presented, Experian has not taken the necessary steps to rectify the reported inaccuracies, further exacerbating the harm caused to my creditworthiness and financial standing. I request the Consumer Financial Protection Bureau 's urgent intervention to investigate this matter thoroughly and compel Experian to rectify the inaccuracies promptly. The continued presence of these disputed accounts on my credit report negatively impacts my creditworthiness and financial standing, causing unwarranted harm and stress.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

The company initially responded saying that the merchandise was repossessed, and my account was delinquent, then after a second complaint, the company said that after investigation, the merchandise was recovered from XXXX XXXX and my account does not reflect being repossessed. The company did not provide any solutions or escalations of action in regard to reporting this to the credit agencies nor did they provide proof of investigation or proof of current account standing.
Consumer complaint received 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (AL)

Ive tried multiple times to get XXXX XXXX XXXX off my credit report it still havent been done they have all wrong information about me and I would like it removed off my credit asap they do not communicate nor apply the credit consumer act law to have this remove off my credit
Consumer complaint received 2020-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CITIBANK, N.A. (FL)

XXXX  is reporting to the XXXX XXXX  old erroneous information to my creditors that is negatively affecting my credit in violation of the FCRA. 

They recently on XX/XX/XXXX sent a notice to Citibank that I had a collection/delinquency when I have no new delinquency or collection since the CHapter XXXX I have is exactly 5 years old since XXXX. 

THere is nothing negative on my credit file since the filing on XX/XX/XXXX over 5 years ago. 

They are violating my rights and ruining my credit worthiness and bringing down my credit scores with false and erroneous data.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

I, XXXX XXXX XXXX XXXX have noticed inaccuracies on my credit report such as late payments. I am writing this letter to have my credit report updated to be current and up to date. First, according to the F.C.R.A Section 604 ( A ) ( 3 ) 15 U.S Code 1681 ( b ) Permissible purpose states that I have the right to privacy and that my information can not be shared without my written consent! Second, Section 607 ( A ) 15 U.S Code 1681 ( e ) Compliance and Procedures states my report must be 100 % accurate at all times and these late payments are not accurate! Nor did I authorize these late payments to show on my report. Third, according to the Truth and Lending Act Section 15 U.S Code 1666 ( b ) corrections of billing errors the CRA must correct any billing errors made on the consumer 's credit report with a written statement of what accounts need to be updated and corrected. I have already sent a letter 30 DAYS AGO AND YOU ARE NOW IN VIOLATION OF MY CONSUMER RIGHTS! I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. These accounts must be updated AS SOON AS POSSIBLE to avoid any VIOLATIONS FEES.
Consumer complaint received 2024-01-10
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: Experian Information Solutions Inc. (DE)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

On XXXX and XX/XX/. I have reached out to all major credit bureaus to provide the following information a copy of the original contract with signature, a copy of the payment history, the name and address of the original creditor and proof of collection authorization. After several attempts I have yet to receive the requested information
Consumer complaint received 2018-06-01
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. (FL)

In XX/XX/XXXX I provided a letter directly from the company stating they have requested all three credit agencies to remove the remark. This still hasn't happen. I have attached the letter, please process the request.
Consumer complaint received 2024-01-10
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. (IL)

I am writing to file a formal complaint against Experian, a consumer reporting agency, for its persistent failure to correct inaccuracies in my credit report, specifically related to non-deliverable addresses. This matter was initially brought to Experian 's attention in a letter dated XX/XX/XXXX. Subsequently, I submitted a complaint to your agency on XX/XX/XXXX. Unfortunately, as of XX/XX/XXXX, no action has been taken by Experian to rectify these inaccuracies. 

Experian continues to break the law. 

The inaccuracies in question involve non-existent addresses that are also incapable of receiving mail through the U.S. Postal Service. As a result, these inaccuracies not only compromise the accuracy of my credit report but also violate the Fair Credit Reporting Act 's ( FCRA ) mandate for accuracy, fairness, and the substantiation of reported information.
Consumer complaint received 2020-04-27
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

Certified letters were mailed to XXXX XXXX and XXXX XXXX XXXX on XX/XX/2020 to validate or provide proof of the debt.
Consumer complaint received 2016-04-16
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (FL)

Ally financial is reporting that I owe {$6600.00} to XXXX and it is reflecting my credit score and the last time it has been update was in XXXX. 

And it is still reporting as a REDEEMED REPOSESSION but i have the car in my possession
Consumer complaint received 2015-07-24
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Solidus Group LLC. (AL)

Company calls and threatens me with charges of bank fraud. refuses to verify debt, never says this is an attempt to collect a debt. Says i owe XXXX for payday loan. I contacted XXXX corporate office, they say i do not owe them and this company trying to collect is a scam.
Consumer complaint received 2015-04-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

I acquired a home mortgage loan from Bank of America for {$100000.00}. This mortgage loan was totally satisfied on XXXX XXXX, 2015. For an unknown reason, Bank of America refuses to provide me with the mortgage release documents.
Consumer complaint received 2024-01-16
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. (TX)

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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 2022-10-04
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. ()

Hi. I checked my Credit Score using my bank app. All the loan information is incorrect. It shows Ive taken loan for a two wheeler, well I dont have a two wheeler. The other loan shows Ive taken for property, I dont own any property. Ive never taken a loan for personal or business. Please help me regarding this wrong information showing in my credit score portfolio. Thank you
Consumer complaint received 2018-06-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

This compliant is for The XXXX XXXX XXXX XXXX XXXXXXXX, XXXX. In 2008 Bank of America purchased XXXX XXXX XXXX, XXXX for XXXX XXXX dollars. All of Countrywide 's CWAB certificates were paid in full. Also, the Federal Housing Administration, FHA, XXXX XXXX and XXXX XXXX executed settlement agreement with BofA releasing all liens. One way or the other these asset backed certificates became Real Estate Owned, REO properties ; and is listed so with the XXXX XXXX XXXX XXXX ; and when you contact their XXXX to verify status of your property ; the response comes back as REO property ; and to contact the master servicer which is BofA. 

Therefore, I need verification that our property ; XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX  XXXX, TX XXXX is Real Estate Owned, REO, property by the bank, and/or XXXX.
Consumer complaint received 2018-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MA)

XX/XX/XXXX, I was charged {$1400.00} at Bloomingdale 's department store in XXXX for an online purchase. 

Citibank called me, asked me if I made the purchase, I said no, they reversed the charge and credited my account the amount. 

XX/XX/XXXX, I received notification that the charge was being re-issued after Citi claims they were provided information showing the charge was shipped to my house in XXXX, and that the investigation was closed. I called Citi, Bloomingdale 's, back and forth, both company 's kept saying the other would handle the dispute, neither did. Citibank did tell me that in order to recover my funds, I'd have to prove the item was never shipped to my address. 

Bloomingdale 's finally put me in touch with their own Fraud Research Group who told me that they had information stating that someone contacted Bloomingdales after the purchase was confirmed online from an unknown number and changed the shipping address to an address in XXXX, XXXX. I attempted to give this information to Citi at their original request, but they maintained the investigation was closed. This was still in XX/XX/XXXX. XXXX XXXX has given me a XXXX tracking number, which I've since forwarded to XXXX and asked for their help regarding this matter. 

I've also taken matters to the police in XXXX.