davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-28
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. (GA)

The bureaus are reporting inaccurate information on my credit report. They are reporting recent lates on my credit file for XXXX and XXXX on student loans on Department of Education. I was never late. I have talked to department of education and fixed it with them. They should not be reporting this on my credit and this needs to be fixed.
Consumer complaint received 2020-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (RI)

I received a discharge for my CH XXXX Bankruptcy on XX/XX/XXXX. Nonetheless, several credit card companies continue to show late payments or other derogatory marks against me on my credit report. It shows up and weighs down my FICO account, and is hurting the Interest Rate I'm able to receive on my home refinance. I reached out to all of these companies through XXXX XXXX website, but the majority of them were unwilling to correct the false information. Its so frustrating, and feels criminal! I know there's bigger problems in the world than this, but its frustrating because it seems so simple to fix, and should have been done years ago. I have included PDF 's and screen shots that show which companies are included. 

None of the follow should show any derogatory marks or late payments. Its included in the PDF 's as written ( " XXXX  - False Late Payments on Credit Report pre-bankruptcy XX/XX/XXXX '' ).
Consumer complaint received 2020-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX XXXX {$1500.00} XXXX XXXX {$170.00} XXXX XXXX  XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX XXXX {$1300.00} XXXX   XXXX  XXXX {$360.00} COLLECTIONS XXXX {$1000.00}
Consumer complaint received 2020-04-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (CA)

Citibank had a {$600.00} promo offer If you open an account and maintain the balance for 3 months on {$50000.00} that I saw online, I went to the XXXX, Ca branch and asked them for that offer and they happily opened my account. 

I was informed by the branch to keep the balance between my checking and savings account which I did from XXXX XXXX to XX/XX/XXXX. I messaged, called their toll free number and the branch on XX/XX/XXXX and was told it was not coded properly by the toll free and message and was asked to call the branch. I called the branch and spoke with a lady and later XXXX XXXX who said it was coded properly and to expect my {$600.00} bonus on XX/XX/XXXX. 

Come XX/XX/XXXX, I messaged again and called and finally put in a dispute. I followed up on the dispute on XX/XX/XXXX and was told that a letter was sent and the representative read the letter saying it was denied. This is not right and this is fraud!
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

Complaint Against : XXXX Experian XXXX XXXX of Complaint : Violation of the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate personal information ( incorrect names and addresses ). 

Description of Complaint : I am filing this complaint against XXXX, Experian, and XXXX for reporting inaccurate personal information on my credit report. Specifically, they have listed incorrect names and addresses that are not associated with me. This incorrect information violates the Fair Credit Reporting Act ( FCRA ), which mandates that consumer reporting agencies must maintain accurate and complete information in consumer credit reports. 

Under FCRA XXXX ( XXXX XXXX. XXXX ), credit reporting agencies are required to investigate disputed information and correct or delete any information that can not be verified as accurate within 30 days of receiving a dispute. Despite my previous disputes regarding these inaccuracies, the agencies have failed to remove the incorrect names and addresses, which continue to appear on my credit report. 

Correct Information to be Reported : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX
Consumer complaint received 2020-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Balance Loan Amount {$2800.00} {$2800.00} ftc violations XXXX  CARD Account Number XXXX Account Type Credit Card Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$6300.00} written off. {$6300.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX
Consumer complaint received 2020-04-28
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: Early Warning Services, LLC (LA)

On XX/XX/2020, I called Early Warning to obtain a " security freeze '' as outlined in the FRCA. However, I was informed by the representative " XXXX '' that he had never heard of that and it was not offered. He continued that Early Warning was not a " credit '' reporting agency and consumer reporting agencies were exempt from the FRCA, which is absolutely false. Although, the rights are listed at the bottom of the Consumer Report which I obtained. It reads in bold and all caps that " CONSUMERS HAVE THE RIGHT TO OBTAIN A SECURITY FREEZE. '' After no further denial, I requested to speak with a supervisor " XXXX, '' but she never came to the phone. I requested a call back. Thus, my issue is that I have the right to a security freeze and would like one placed on my consumer report. Thank you.
Consumer complaint received 2020-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Balance Loan Amount {$2800.00} {$2800.00} ftc violations XXXX  CARD Account Number XXXX Account Type Credit Card Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$6300.00} written off. {$6300.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX
Consumer complaint received 2022-06-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (NY)

On XX/XX/XXXX my chime account was hacked. I got a notification saying my phone number was changed. Then got another notification saying that my email was changed too. I called chime and was told that my account is going to be locked cause I notified them about my account being hacked. So I figured that my account being locked no one take use it for anything. Later that evening/ night I get another notification saying that {$260.00} from my checking account was moved to my credit builder account. A few minutes after that it said you have {$0.00} in your credit building account. Called chime again around XXXX to let them know that money was taken out of my account and was used on a site called XXXX  .... and it wasn't me. Was told to call in the morning to see how the investigation was going. On the XX/XX/XXXX I called and was told that it's under investigation. And if I had any proof that I was hacked. I sent them screenshots of the notifications saying phone number was changed and email was changed. Also when the email was changed it gave me a location in XXXX XXXX XXXX  ) I live in XXXX. Sent photos of my driver 's license and photo of me holding my driver 's license. I sent them my XXXX  location for that date as well. I've been doing this back and forth with chime cause they keep denying my rebuttals cause Ive have done like XXXX of them. They keep saying they have no proof the stuff I sent in is no good. Meanwhile I sent my XXXX location for that day which is XX/XX/XXXX I sent notifications I got saying email was changed phone number was changed I also have emails of me going back and forth with that email that was on my account and I was blackmail sent them the screenshot of that and still chime is saying I don't have enough evidence so they keep denying it I'm going to send you guys all the screenshots I have and the emails going back and forth mind you the person used my same name but with a different email address so I guess chime can't figure it out. 
Here my info incase you need it Account Ending in : XXXX Claim ID : XXXX Date Error Reported : XX/XX/XXXX Claim Total : {$260.00}
Consumer complaint received 2022-06-17
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. (AZ)

In accordance with the Fair Credit Reporting act 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 2022-06-17
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. (MD)

On XX/XX/2022 I called the bankruptcy court in Maryland. I ask them do they report to the credit bureau. The clerk said no. I receive the bankruptcy letter from there website where the clerk told me to go. They do not report any bankruptcies to anybody .How did the credit bureau verified my bankruptcy as 100 % Accurate. They never did a fair investigation according to 15 USC 1681 15 USC 1681 SEC 603 ( 3 ) ( E ) States ; The Term '' investigative consumer report " means a consumer report or portion thereof in which information on a consumer character, general reputation, personal characteristics, or mode of living is obtains through personal interview with neighbors, friends or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such item of information. however such reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer They also violated my rights numerous times.

The Credit bureau violated my given rights 15 U.S.C 1681 According to : 15 U.S.C 1681 Sec 602 A. States I have the right to privacy.

According to 15 U.S.C 1681 Sec 604 A section 2 : It al states a consumer reporting agency can not furnish a account without my written instructions According to 15 U.S.C 1681s2 ( 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 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"
Consumer complaint received 2022-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (AE)

I received an alert from XXXX XXXX XXXX XXXX my finacial institution credit alert stating there was an alert for suspicious activity and possible fraud after which I logged into my XXXX credit online account and found it was an account opened in XX/XX/2022 in my name with Capital One and it was reporting late payments and possible Collection account. I am currently deloyed in XXXX and I have not been in the US for over XXXX... So I used the contact number found on my credit report to contact Capital One to let them aware it was Fraud ... after I called XXXX to make a dispute on the inquiry and account.
Consumer complaint received 2022-06-17
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. (KY)

In 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 : Also states a consumer reporting agency can not furnish an account without my instructions 15 U.S.C 1692C-Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2020-04-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (FL)

My mortgage was sold to NewRez/Shellpoint 5 months ago. I am currently trying to refinance with another mortgage company while the interest rates are low. I have been requesting from NewRez/Shellpoint Mortgage, for 14 days, a payoff of my mortgage. I have emailed them twice, I have requested the payoff online many times, I have called and spoke to a representative on XX/XX/XXXX and XX/XX/XXXX and left a message for her today. She can not tell me why I cant get a payoff. She gave me her direct line. Although very kind she doesn't appear to be able to help me. I have told her I need this by Thursday XX/XX/XXXX for closing. She has my email and phone number but isn't calling me ... probably because she doesn't have any information. This has been extremely frustrating. My new rate is only good for a few more days and if I miss out on this lower interest rate because of NewRez and their incompetence I will be extremely angry. 

XXXX XXXX XXXX
Consumer complaint received 2022-06-17
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. (TN)

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. Please provide the Bill Of Sale or original loan documents for the account " XXXX XXXX Account number XXXX. I have not received this information Per Section 623 ( a ) ( 3 ) I believe that my rights are currently being violated and this is also a violation of the FCRA. I have reported the theft of my identity to the Federal Trade Commission. Please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2022-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act there are several accounts attached that 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 consent.

15 U.S.C 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. 

I havent given anyone written permission to furnish these accounts on my credit report.
Consumer complaint received 2022-06-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NJ)

I contacted Nationstar Mortgage LLC d/b/a Mr. Cooper. Mr. Cooper regarding my Escrow calculation.

They are increasing my amount for insurance Hazard. Even though we pay for insurance separately. The Escrow account should be ONLY for the town Taxes. 
When I contacted them on XX/XX/XXXX they told me they would send me a letter with the adjustment amount. Instead they send me a letter stating that my Escrow account will be closed and they would not pay tax portion either. 
On XX/XX/XXXX we informed them that we want to keep Escrow account open out of concern that they would force us to Pay for insurance imposed by them, even though we have provided proof of insurance on their Website.

According to them they are not able to Reinstate Escrow only for Tax portion they have to re-instate for bot Taxes and Insurance and start the process all over again, with the aim of collecting potential late fees and holding money in Escrow that they do NOT pay for.

" If you fail to pay any of your property costs, we may ( 1 ) add the amounts to your loan balance, ( 2 ) add an escrow account to your loan, or ( 3 ) require you to pay for property insurance that we buy on your behalf, which likely would cost more and provide fewer benefits than what you could buy on your own. ''
Consumer complaint received 2019-08-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources (NC)

Recently, I disputed an account on my credit reports that is being reported by FirstPoint Collection Resources. The results of the dispute came back as 'verified and accurate '. Thus, I wrote a letter to FPCR asking them to provide me with the documents used to validate this debt. However, the letter that I wrote was returned to me due to the letter 'not being deliverable as addressed '. I checked the letter and the address matches the address that FPCR has listed on my credit reports. Thus, instead of re-sending my letter I have attached it to this complaint along with the proof of mailing. In short, FPCR needs to send me a copy of the original contract and full accounting for the amount owed, using generally accepted accounting principles.
Consumer complaint received 2022-06-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ridge & Valley Realty, Inc. (GA)

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again, is the incorrect information being reported : Credit Systems XXXX XXXX. # : XXXX / Bal. {$0.00} Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated ( insert today 's date ) is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 

I am annoyed and outraged at your accusation and I have researched my rights in regard to my credit file. Please expedite my original request immediately.