davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-16
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)

Experian has continued to report inaccurate and fraudulent entries on my credit file, and has never validated the debt or given me any reply as to what they investigated or how they investigated the debt. They have ignored my requests. If they any type of investigation theyd see my personal info doesnt match the debt. Ive submitted my personal info to Experian and then more fraudulent entries hit my credit. Why should I send identification and sensitive information when its their job to investigate he incorrect entries? 

Experian also keeps reporting incorrect addresses and phone numbers on my credit file and they refuse to delete them even though Ive never lived at the addresses. They wont even let me dispute it anymore. The addresses could be associated with the incorrect and fraudulent accounts. I dont need to file police report- its Experian that linked me to debts that arent mine and they wont investigate or validate. 

Its been a few XXXX far more than XXXX days. Its caused me to be denied credit, mortgages, jobs, etc. Experian will be held liable for their willful reporting of erroneous information on my credit. 

Some inaccurate entries are : XXXX recovery group from XX/XX/2019. 
XXXX in XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The companies cant even verify my personal information as linked to the debt when I call. So it is Experian that continues to report inaccurate information and it must be removed at once. 

So should the addresses. Ive only ever lived in XXXX XXXX during my life. All other address must be removed.
Consumer complaint received 2022-11-16
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. (CA)

XXXX case # XXXX and XXXX Attorney General of Texas. Under 15 US code 1681 ( A ) and 15US code 1681 ( I ) ( XXXX ) this account is vialation not reporting 100 % accurate is list the child support court as the funnisher thats forgeny and misleading when the court dont report this type os account. under 15US code 1681 ( B ) permissible puposes of consumer reports. I never gave you any written consent to report anything on my consumer report no consent is identity theft
Consumer complaint received 2022-11-16
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (NE)

On XX/XX/2022, I used my social security account ( SSN ) to receive an extension of credit for a credit card with American Express and was sent an adverse action. Pursuant to 15 U.S.C. 1605 a credit card is defined as any card, plate, coupon, book, or other credit device existing to obtain money, property, services, or credit for family or household purposes. I am at the age of majority and have realized competency in the order of my affairs and see this act as discrimination against me and my good faith in my usage of my credit. This has harmed myself and my family from being able to benefit from the use of my account and in the full faith and credit that is promised to my by the United States Codes as a natural living being and original creditor. I believe American Express has violated 15 U.S.C. 1691 in this discrimination and I demand that my credits be made available to me for personal and family usage. No company or partner company was every given permission to furnish any negative information on my account or accounts to American Express to be able to make any type of discriminatory determinations.
Consumer complaint received 2022-11-16
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. (CT)

I noticed XXXX XXXX XXXX on my credit report as well as fraudulent inquiries for a balance of {$6600.00} opened XX/XX/XXXX. My purse was stolen last year XXXX with all of my personal information in it such as my ID, XXXX, and I had some mail and other personal belongings in my purse that was stolen. Im a victim of identity theft and ask that you delete these Inquiries and account from my credit report immediately. 

Fraud Inquiries ( Company : ) XXXX XXXX ( Date : ) XX/XX/XXXX ( Company : ) XXXX XXXX XXXX  ( Date : ) XX/XX/XXXX ( Company : ) XXXX XXXX XXXX XXXX Date : ) XX/XX/XXXX ( Company : ) XXXX XXXX XXXX  ( Date : ) XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (GA)

I would like to request by law the suppression or deletion of the following item : TD AUTO FINANCE Reasons : Negative date goes from XX/XX/XXXX to XX/XX/XXXX Balance increase every dispute Balance is stated different on the credit report than TD Auto Finance Statement The final payment [ contract end date ] being due XX/XX/XXXX. Interest should stop by law on the final contract date. 

Debts such as credit card debt, auto loans, and medical debt have a statute of limitations of four years in the state of Georgia. Which mean interest is not allow to be added after final contract date. 

Write-Off Meaning A write-off removes an asset or liability from a companys financial statements. Assets are written off when they become obsolete. Lost inventory, unpaid debt obligation, bad debts, and unpaid receivables are also written off.Which mean TD Auto Finance is Fraudulent writing off and reporting incorrect data to the credit bureau and the IRS on every dispute.
Consumer complaint received 2022-11-16
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. (LA)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2022-11-16
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Collection Bureau of the Hudson Valley, Inc. (ME)

Once again this company has disrupted my day and called me during business hours when I have clearly told them to no call me from XXXX XXXX Constantly calling claiming I owe them 1000+ when I already settled it with the insurance agency.
Consumer complaint received 2022-11-16
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: Harpeth Financial Services, LLC (TN)

Advance Financial got Harpeth Financial to garnish my check. They say I was served but I was not. I paid this loan off in full. Ive left tons of messages but they will not answer the phone or return my messages. They are garnishing almost {$700.00} bi weekly. Im going to to put in for a slow pay I guess even tho I paid it off because they wont respond to me and they wont return my messages. If they will just talk to me, even their mobile app shows that I owe them nothing. This is insanity. I think Im going to go to the news about it.
Consumer complaint received 2022-11-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I contacted Bank of America about dropping the PMI insurance from my mortgage since our house has appreciated and we now owe less than 80 % of the home value based on market price. I was told they have a process to reevaluate the home based on the market price and comps within the area. Today, I received a letter stating they can't drop PMI within the first 2 years ( which they did not state before ). They said the only example of dropping the PMI within the first 2 years is if I make a lump sum payment to reduce the loan value to less than 80 % of the original price
Consumer complaint received 2022-06-27
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. (LA)

XXXX  XXXX balance of {$1400.00} I have tried to clear this balance and have it removed from my report XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The original creditor is XXXX XXXX XXXX. I paid a balance of {$820.00} in XXXX of XXXX. Also XXXX of XXXX, I moved back into the apartments and has to pay a deposit of {$630.00} to pay off balance and move back into the apartment complex. I have submitted this and tried to work with XXXX XXXX  several times where they kept giving myself and account manager the run around. They eventually told me since they weren't able to get a response from XXXX management, the management company of XXXX XXXX apartments, that I would have to dispute with the credit bureaus or pay the balance again. I have submitted the documentation to the bureaus several times. However, they only investigate and verify debt the collection agency and have not reviewed my documentation and refuse to remove the collections from my report. I have uploaded a copy of my bank statement, my receipt, an email where the apartment complex actually gave me a refund, and copy of my new lease showing as a current resident/tenant of the apartment complex again.
Consumer complaint received 2022-08-22
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. (CA)

I am submitting this CFPB complait to you today to follow up the previous CFPB complaints that I have been submiting to fomplain regarding the removal of the fraudulent accounts and information from my Credit Report. On XX/XX/XXXX, I sent a letter addressed to the Credit reporting Agencies to remove the disuted accounts and information completely from my Credit Report in accordance with the FCRA section 605b. The Letter I sent was already my twelfth ( 12th ) Dispute letter I have been sending. But despite all the letters and efforts I excert, the Credit Reporting Agencies grew ignorant of their duty and chose to neglect their responsibility with the FCRA section 605b. I have read enough to uinderstand my rights which is clearl beoing violated by the Credit Reporting Agencies. I am now submitting this CFPB complaint for another request of the removal of the following disputed accounts and information completely from my Credit Report : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX WY XXXX XXXX, CA XXXX 13120 XXXX XXXX # XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX Balance Owed : {$300.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-11-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (IL)

The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).
Consumer complaint received 2024-10-30
Product: Credit reporting 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. (CA)

There's an inquiry on my credit report that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report. It is stressing me and making me anxious on why and how this happened.
Consumer complaint received 2022-06-27
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NJ)

On XXXX I received notice that my mortage was being transferred to Carrington Mortgage company On XXXX I received a letter that an escrow analysis had been completed and due to the projected taxes, our mortgage would increase by over {$600.00} a month. 
On XX/XX/XXXX XXXXI contacted Carrington and advised them that my taxes had not been increased and the analysis was wrong. I spoke to XXXX in the tax department, and she advised me to send them the letter from my tax assessor. I uploaded my tax document and was told it will take XXXX days to research. 
On XX/XX/XXXX - I called my municipal tax assessor to confirm that there was not a tax increase and she informed that there had not been and the amount I had for my taxes was correct. 
On XX/XX/XXXX - I called Carrington Mortgage to find out the status of the escrow analysis and spoke to XXXX who indicated they received my tax document with the correct taxes, and she would request a new escrow analysis, On XXXX I called Carrington Mortgage and spoke to XXXX and she said she could see the new request for the correct taxes and a new escrow analysis would take XXXX  days. 
On XXXX I received the exact same escrow analysis letter as the XXXX on XX/XX/XXXX and nothing was changed. 
On XXXX I called Carrington Mortgage and spoke with XXXX again and she was frustrated because the XXXX Department didn't look at her notes the first time with the correct quarterly taxes. I was assured again that it would be taken care of. The mortgage payment for XXXX was not sent because the mortgage payment amount was incorrect. I informed this company that I did not want to be charge a late fee and have my credit affected because of their error. Was told that they could waived the late once everything was corrected. 
On XX/XX/XXXX - I called Carrington Mortgage and spoke to XXXX and he said he saw the escrow request and it would be updated in the system no later than XX/XX/XXXX and I would have the correction in my account so I could pay the correct XXXX payment. 
On XXXX I checked my Carrington Mortgage account again there had not been correction. So, I called again and spoke to XXXX, and then XXXX in the XXXX Department that said they had made the changes to the taxes on their end, and she transferred me XXXX in customer service, and he transferred me to XXXX who said she will contact the XXXX Department and get back to me. 

This process has been extremely stressful and time consuming. I have never had this kind of problem with any escrow analysis on another house I own for over 30 years. This company has projected an outrageous tax increase without checking the facts and expected us to pay this significant increase in our mortgage payment. Carrington Mortgage has not done its due diligent and has not properly assess my taxes based off facts not projections. I find this to be an unfair practice and predatory and they should be investigated immediately.
Consumer complaint received 2024-10-30
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. (TX)

The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2022-11-16
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Bread Financial Holdings, Inc. (NY)

Comenity has not reported updated balance information to credit bureaus for my XXXX store card since XX/XX/2022 or earlier. As a result, the {$0.00} balance on my credit card is showing as a balance over {$23000.00} on credit reports, causing significant negative impact on my credit score.
Consumer complaint received 2022-10-13
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: CREDIT ACCEPTANCE CORPORATION (AL)

I have been a victim of fraud pursuant to 15 usc 1601 and 15 usc 1692. I have been misrepresented in matters stemming to damages from Credit Acceptance Co. mailing address XXXX XXXX XXXX XXXX XXXX ; XXXX, Michigan XXXX they have placed an unauthorized inquiry on my XXXX credit report I would like them to contact the bureau to have it removed effectively immediately and cease communications on behalf because they do not have permission nor have they ever and as for XXXX XXXX XXXX the same federal law is applicable as well as the instructions to remove the inquiry with the credit bureau and cease communications on my behalf their mailing address is XXXX XXXX XXXX XXXX, DE XXXX.
Consumer complaint received 2022-11-16
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 appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accountsis updated, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$480.00}
Consumer complaint received 2022-08-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

ATTENTION TO BANK  XXXX XXXX XXXX XXXX CREDIT BUREAUS XXXX SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company.This account has been reporting to my file since 2015. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$2000.00} does not belong to me. This account was fraudulently opened through this company BANK XXXX XXXX in XXXX of 2015 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN or Credit Card ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.