davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-28
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)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX, XXXX XXXX : # XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2024-10-12
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. (IN)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Cosumer Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists 7 Separate fraudulent accounts appearing on my consumer FICO report which i do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a XXXX XXXX account : opened XX/XX/XXXX XXXX Bal. {$170.00}, XXXX account : opened XX/XX/XXXX, Acct XXXX, Bal. {$2400.00}, XXXX XXXX XXXX Account : opened XX/XX/XXXX Bal. {$180.00}. Late Payments Account : XXXX XXXX Dates XX/XX/XXXX, XXXX, XXXX XXXX bank dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Inquiries : XXXX XXXX XXXX XXXX XXXX.These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

Recently reviewed credit report and noticed some unknown addresses and accounts. Please see attached file of my FTC report. please remove addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Georgia XXXX.
Consumer complaint received 2024-10-12
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 DID NOT AUTHORIZE THESE ENTRY INQUIRIES TO BE PUT ON MY CREDIT REPORT PLEASE REMOVE THESE INQUIRIES BELOW FROM MY CREDIT REPORT. 



XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-12
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. (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 15 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 2024-10-12
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. (MO)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-12
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. (NY)

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 15 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 2024-10-24
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CLGF Holdco 1, LLC (IL)

On XXXX XXXX  and XXXX  I made XXXX payments XXXX XXXX XXXX  XXXX dollars to Concora credit Indigo Mastercard, which, according to my bank, were both posted as payments successful. I then proceeded to close my indigo. Account confirming there was no balance owed. Upon closing my account one week later, I received the statement stating the I o  a balance of XXXX XXXX XXXX  XXXX dollars. I then proceeded to call them and my bank and confirmed with my bank that all payments were processed successfully. The credit card company admitted transactions were taking place on my account after it was closed. The last transaction they told me that was made on the account was XXXX XXXX XXXX  and my account has been closed since XXXX XXXX  of XXXX XXXX XXXX.
Consumer complaint received 2024-10-12
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. (TX)

I am writing in to dispute inaccurate personal information on my credit report. Under the Fair Credit Reporting Act ( FCRA ) Section 611, consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information in a consumer 's credit report. 

I have mailed off several disputes to Experian, XXXX and XXXX and its always the same ole thing. They want to send that same " stall tactic letter '' out but can not mail out any updates or responses from the Credit Disputes that I am sending to them. By Law they are supposed to do their jobs and as consumers, we have the right to dispute erroneous information/accounts on our credit report. 

Disputes are attached since I can not get them to even review my disputes. Never Ever
Consumer complaint received 2017-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XXXX XXXX, XXXX I contacted XXXX XXXX XXXX  regarding a account that they had in collections in the amount of {$790.00}. I spoke with a representative that stated that I had to send her boss an email stating a " Cease and Desist '' on the current complaint which I sent to XXXXXXXXXXXX. The representative stated that this would have to be done before I could pay to have the account settled, closed paid in full for the amount of {$400.00}. XXXX XXXX also promised/assured me that after I gave them my routing number and bank account number to process payment I would be sent a letter via email stating that the account was paid in full /settled I then provided my routing number and account number to my bank to process the payment. After waiting for most of the day I did not receive anything. I contacted XXXX XXXX but no response. XXXX XXXX, XXXX I contacted XXXX XXXX XXXX regarding the same issue as I had not received the letter. I spoke to another representative who then spoke to her supervisor XXXX XXXX who e-mailed me rite away with a letter stating that if I did not pay the balance by XXXX XXXX, XXXX the payment agreement would be null and void. 
I have paid the full amount of the payment agreement, but on all 3 of my credit reports it is being reported with a balance of {$390.00}. There should not be a balance at all nor should it be being reported as open account. This account should be reported with a {$0.00} balance, settled, paid in full, closed on all 3 credit reports from XXXX, Transunion, and XXXX.
Consumer complaint received 2024-10-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC (VA)

Loan # XXXX Point of contact : XXXX XXXX Customer Service Superviser I submitted a PMI cancellation request in XX/XX/year>. NewRez said the entire PMI removal process usually took 90 days, so it should have been completed on/about XX/XX/year>. Although NewRez sent me a letter in XX/XX/year> confirming that XXXX  will be removed, and despite my repeated escalations, XXXX  is still not 'officially ' cancelled. NewRez is XXXX ) still overcharging me each month for XXXX, and XXXX ) it's been 8 months but there's no expected timeline for resolution. 

General Timeline - XX/XX/year> - I submitted a XXXX  cancellation request - Every week, I called to follow-up however the NewRez team failed take action on it until XXXX - XX/XX/year> - XXXX finally ordered - XX/XX/year> - XXXX  is conducted by local real estate agent - XX/XX/year>- I received a physical letter confirming that the loan met the eligibility criteria for XXXX  removal - XX/XX/year>- I was overcharged and still charged for XXXX  - XX/XX/year> - I realize the overcharge, contact NewRez and bring issue to their attention - Every week, I continually follow-up. Each week the agent " escalates '' the issue - XX/XX/year> - I'm again overcharged for XXXX  in my monthly loan payment - XX/XX/year> - NewRez agent realizes the next step is for an escrow analysis to be performed, but it hasn't been. An escrow analysis is ordered and the issue is 'escalated ' - XX/XX/year> - XXXX again contact NewRez to ask for the status, and the escrow analysis isn't started and isn't planned to be complete for over XXXX  days still NewRez has missed every internal process XXXX  they have - XXXX ) processed my XXXX  removal request in XXXX months, but XXXX was XXXX  days, XXXX ) ordered my BPO in XXXX  days, but XXXX was XXXX  days, XXXX ) processed the XXXX  analysis in XXXX  days, but XXXX XXXX 14 days, XXXX ) have not removed XXXX  in over XXXX  days but XXXX  was XXXX  days. I have had to call NewRez to nag, plead, request and escalate every week since XXXX. They are not a credible or trustworthy firm and they should be audited, fined and held accountable for their flagrant negligence and lack of concern for their own customers.
Consumer complaint received 2017-12-15
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: First Data Corporation (OK)

On XXXX XXXX I tried to withdraw funds from an ATM that was not my bank. The funds did not dispense but it was debited from my account. I immediately contacted customer service and was told it, they would send a form in the mail for me to sign and send back. I recieved the form on XXXX XXXX and faxed it back to the number stated on the form. I call today XXXX XXXX to check on the status and they say that they have yet to receive the form. I asked to speak with the dispute dept. but I can not the rep had to. So I was put on hold and when she returned asked for the fax number. Which I gave to her and was told that it was the wrong number. Now I have to fax the form in again and wait.
Consumer complaint received 2017-12-06
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BB&T CORPORATION (VA)

I filed a case CFPB Case Number XXXX on XXXX XXXX, XXXX about issues with XXXX XXXX XXXX XXXX. They responded that the loan was sold to them by XXXX XXXX XXXX under false pretenses because XXXX XXXX XXXX was a 2nd not the first on the loan. BB & T was the first. We are  now working with BB & T to try to close this short sale. BB & T has a XXXX XXXX, XXXX foreclosure date. XXXX is not responding to calls from the lawyers to release/return/settle so that the sale can go through. I need help getting BB & T to move the foreclosure date out so that a reasonable closing can be processed. I could also use help getting XXXX to settle this loan with BB & T. 
XXXX is at XXXX XXXX XXXX XXXX, Va XXXX
Consumer complaint received 2017-12-14
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. (TX)

I recently the copy of my credit report sent to me by your company and found that you are reporting the below account ( s ) as valid debts when they are in fact out of statue and they are past the 10 year reporting time as allowed under the Fair Credit Reporting Act for closed positive accounts. The reporting of these accounts are suppressing my debt to income ratio and preventing me from obtaining a montage.
Consumer complaint received 2017-12-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ballybunion Enterprises, Inc (TX)

An individual by the name XXXX XXXX with XXXX XXXX XXXX, XXXX called in XXXX regarding a debt with XXXX XXXX XXXX from XXXX stating that if no payment was made they would garnish my paycheck including my spouse paycheck if this amount was not paid. The first payment was made XXXX XXXX and a total of {$2700.00} has been paid. We have contacted XXXX XXXX XXXX and they have stated they have no affliction with this company and they account has been been charged off with only a balance of {$1700.00}. XXXX & XXXX has continue to threaten us if we do not continue to make payment on the account.
Consumer complaint received 2017-12-12
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

Case No. XXXX, Dispute was initiated for {$59.00} with enumber inc. A previously issued credit was re billed. There has been 2 transactions with enumber. one on XXXX and other onXX/XX/XXXX. Both of which are disputed. Customer service representative failed to understand this.
Consumer complaint received 2017-12-14
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Select Management Resources, LLC (IN)

The original complaint is XXXX about XXXX XXXX XXXX, XXXX..You may look there for reference. You will that the company offered a settlement of {$3000.00} for 5 months at {$600.00} per month beginning tomorrow. I was told by their attorney that I would be receiving a document with the terms outlined and she wanted me to sign it and send it back. I have waited at least 3 weeks or so for the document. It never arrived. Therefore I am taking this as the company pulling it 's settlement offer. Which is fine, I am now placing a new settlement. This is not an offer. I gave them the opportunity and responded by toying with me. I will not be a part of such a farce. I will draw up my own non-negotiable settlement and send it to the company. I will pay {$2800.00} on or before XXXX XXXX XXXX. PERIOD! Any and all collections attempts will cease immediately, if not I will begin the Administrative Procedure starting with an XXXX. This is not up for negotiation, I was not given any warning of their change of plan. This is what it will be. Period.
Consumer complaint received 2017-12-14
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: Cadillac Accounts Receivable Management (MI)

XXXX XXXX  made this account under  XXXX XXXX credit report shows on here fraud account XXXX  never sign for this false address  XXXX XXXX XXXX XXXX XXXX mi XXXX false address XXXX not live there 20 years now.
Consumer complaint received 2017-12-14
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. (TX)

In XXXX I disputed an XXXX XXXX XXXX on my credit report. The credit item was then deleted from my report after communication with the creditor and with Experian. Several months later the account was re-inserted on my credit report without notification. It is my understanding that the bureaus have a responsibility to notify consumer if deleted information is re-inserted on my report. I never received such notification. 

In addition to Experian 's negligence, I the creditor never reported the item as disputed even I had previously disputed the account with them. I have an idea what happened that may have caused the mixup. XXXX XXXX XXXX was no longer reporting on my credit until my husband began to dispute the item on his report. This is when XXXX XXXX and Experian decided the account should be added back to my report. And they added it illegally. 

The partial account number associated with this account is XXXX.
Consumer complaint received 2017-12-15
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I called transunion regarding a bankruptcy on my report and i was speaking to an overseas rep, XXXX , XXXX, regarding this issue. i explained to her that if info on my report cant be verified it needs to be deleted. i stated a bankruptcy is public record and ca n't legally be verified. i stated the NJ courts stated they do not report or verify information and the information is public record on public access to court electronic records ( XXXX ) and i contacted XXXX by email and they responded XXXX  does not verify federal case information and all information gathered from XXXX is public record and may be reproduced without permission, XXXX customers assume all responsibility and consequences. XXXX XXXX then stated the information was given by the court. i asked her is she telling the NJ court released my information and she stated yes. i asked to speak to a supervisor and was disconnected. i called back and spoke to an overseas rep, XXXX. XXXX, i explained the same above information and he stated that there are vendors that receive this information and go and verify the information and i asked how do they verify the information. he could n't answer. he stated the fcra states the bankruptcy will remain on my report for 10 yrs. i asked can he tell where that is located, im on that site. he said i do n't know where it is located, i should look it up. connected to a US rep that put me on hold and came back on the phone, phone was messing up. she was talking about me to another rep and when she realized she put me on hold than disconnected. 4th was a US rep that explained the process of verification consisted of someone coming to NJ to look at the public records. i explained the records are with XXXX and you pay for access. i asked her to send me the records transunion used to put the bankruptcy on my report and she couldnt. no legal verification the information comes off my report. i need the bankruptcy removed immediately. i asked if these calls were being recorded. the first 2 and the last stated yes.