davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-22
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Finance of America Mortgage LLC (TN)

I cancelled a no cash out, refi of my primary residence with : Finance of America Mortgage LLC XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX # XXXX XXXX : ( XXXX ) XXXX Email : XXXXXXXXXXXX Notification was sent the day after closing. They have not returned my funds. They do n't answer my attempts to contact. I 'd like all my money back. How do I get it? Thanks. 

Best Regards, -XXXX XXXX XXXX XXXX
Consumer complaint received 2016-02-05
Product: Debt collection — Mortgage
Issue: False statements or representation — Impersonated an attorney or official
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

Select Portfolio Servicing is a debt collection company who has been harassing me daily. I sent them a debt validation letter and they never respond with the proper paperwork. In the mean time they continue to call my phone, left notes at my door. They are trying to foreclosure on me and I do n't know who this company. According to the FDCPA they are using deceptive practices to steal my home and also I did n't give them consent to contact me nor did they have express permission from a judge or court order saying that they can contact me. 
I know my rights are being violated. I am tired of living in fair and this is affecting my entire family. 
I am currently overwhelm by this company actions, I am suffering from XXXX, XXXX, XXXX and many more issues. 
See attached some correspondences from the company.
Consumer complaint received 2015-07-22
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: AMERICAN EXPRESS COMPANY (NJ)

On XXXX/XXXX/2015 I applied online to open a Savings Account with American Express. Everything was fine until I tried to submit my account information from XXXX XXXX XXXX so that I could fund my new American Express account. I called their customer service number where they verified my name and my husband 's, our address, our Social Security numbers and our NJ Drivers License numbers. I was then told I would be asked a timed series of questions. I was asked when I lived in the XXXX area ( 16 years ago ) what county did I live in? I believe I answered that correctly " XXXX XXXX '' I was asked what county I lived in now? I answered " XXXX XXXX '' I think I was asked the nearest cross street to my present address ; I answered " XXXX. '' And then there were XXXX questions listing the names of XXXX streets in my town. I was asked each time to identify the name of the street that was located in XXXX, NJ. I could not answer either of them correctly. There were no more " identifying '' questions for me to answer.I requested the opportunity to speak to the Customer Service Representative 's supervisor. When I spoke to her she told me she could not help me! I would receive some communication in 5-7 days. 
This was ridiculous! I have resided in XXXX, NJ for 16 years ; I do not know every street in town. I am a XXXX ; I am XXXX! What happened to protecting my information? American Express now has my XXXX XXXX XXXX Account information and my SSN, as well as my husband 's. They also have our XXXX XXXX XXXX information. This was not a satisfactory experience. My application number was XXXX.
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

hard inquiries where not authorized and are impacting my credit report severely.. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXXXXXX Please help. I have a suspicion that My SSN is easily stolen due to the simplicity of the numerals
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My credit report in inaccurate. I have missing employer information. I have a car with XXXX XXXX which is false. This was with XXXX XXXX XXXX XXXX XXXX. There is also the wrong information on my credit card for late charges when I am still trying to show the statements with overcharged repeatedly throughout the duration of having credit cards.the statements show all of the repeated same charges with the symbol next to ( & ) transactions authorization codes. There is missing charges with fees added then removed. The address to a drop in shelter for the homeless is on the report. I was homeless but I did not live at this location they had me sleep the night in the BASEMENT OF CHURCHES IN XXXX. for several months. I was there XXXX XXXX shelter for showers in the morning only. I had to look for a social services job during the day. I was shuffled around till I was forced in XXXX shelter that's not on there or the XXXX XXXX. I was working in the parks dept for 6 months thats missing as well.it is a mess in my report.
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

Account info Account name XXXX XXXX XXXX Account number XXXX This account has violated my rights. 
15 USC 1681 Section 602, states I have the right to privacy.

15 USC 1681 Section 604 a, it also states a consumer reporting agency can not furnish an account without any written instructions.

15 USC 1666b, states a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for purpose.
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In accordance with the Fair Credit Reporting act 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am filling report because there are several credit inquiries on my credit report that are not authorized by me and I did not give any permission to non of the companies involved, this is a total violation of my consumer rights and i would like all the following inquires to be remove as soon as possible. 

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 2024-10-16
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. (CA)

Upon checking of my credit report recently there appears to be information that keeps appearing on my credit report that I am not associated with me which is extremely alarming, these accounts are mixed with my credit information and is therefore erroneous and misreported/belongs to someone else. This has been causing me XXXX and stress, and had impacted my credit negatively.
Consumer complaint received 2024-10-02
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Consumer Portfolio Services, Inc. (TX)

Ive already submitted a complaint about this business. Now Im going to state how many of my rights they violated they were not fair or equitable and also defamed my character. I have a right to privacy I havent gave them permission to run my credit or my information. Also I was denied without an explanation or reason why. 15usc1681i, 18usc1961, 15usc1681b,15usc1681b4,15usc1681a4,15usc6801,15usc6802
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : I encountered a billing error and never received the correct billing statement, which caused confusion about the payment due date. Additionally, the late payments notices arrived after I had already made the payment. 
There was also a clerical error where my payment was applied to the wrong account, causing a delay in processing. 
I provided bank statements, payment confirmations, and proof of the communication with the creditor where these errors were acknowledged. Despite providing this evidence, the late payment was incorrectly recorded on my credit report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Consumer complaint received 2015-09-18
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (CO)

received an email stating I owed XXXX on credit card, This is incorrect. Called credit card Paypal MC and they continued to tell me I owed XXXX. I spoke to a supervisor who said I had only made XXXX payments since XXXX 2015 which is incorrect. When I asked why they hadnt contacted me he said they called XXXX times. I did not receive any messages from them on my cell. Supervisor said " I should have recognized the number ''. I asked why should I recognize the number. Everyone receives spam calls on cell phones. I respond, at XXXX suggestion, only to calls that are known to me. After an hour of talking we still were no where about this problem. Finally I asked if had been reported to credit bureau, he said yes. I said I was told by a rep last week it was only after 60 days I would be reported. After XXXX minutes of trying to discuss this, he finally agreed I was correct. He was very hard to deal with and we got no where regarding the XXXX payment due. I told him many times it was incorrect. After XXXX hr of this difficult conversation and with no resolution, I had to get off phone to go to work. Paypal Master Card is operated by Synchrony Bank. They have been extremely difficult to deal with since opening the acct XXXX 2015. They incorrectly contacted the credit bureau with a derogatory statement, which after many calls from me then, they finally agreed to correct. If I had not called and insisted, they would not have done it. They also removed XXXX late fees charged for their mistakes. Now they are doing it again. The bank is very questionable in their dealings with me. They are trying to charge me more money than they should and at the same time demanding I 'know '' their phone number when they call sporadically any hour of the day and leave no message. This company is harassing me in regards to this credit card. I have made no late payments anywhere on any acct for the last 15 yrs.
Consumer complaint received 2024-10-16
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. (NV)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-10-16
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. (NV)

I am requesting the removal of several inquiries from my credit report with Experian. I contacted Experian 's customer service department on XX/XX/year> at XXXX XXXX and spoke with XXXX, but they did not help resolve my concerns. These inquiries are negatively impacting my credit, and they need to be addressed. 

The inquiries I am requesting to be deleted are : XXXX XXXX - XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX Under the Fair Credit Reporting Act ( FCRA ), specifically Section 604, only authorized inquiries should be listed on my report. These inquiries were either not authorized and I believe they are a violation of my rights under the FCRA, which ensures that consumers have the right to accurate reporting. 

I expect these inquiries to be deleted from my credit report as they are unjustly harming my credit score, and I have already attempted to resolve this directly with Experian.

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : TXXXX XXXX XXXXXXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXXXXXX XXXXXX/XX/XXXX and XX/XX/XXXX Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : My payments were made on time, as evidenced by bank statements and payment confirmation receipts, which clearly show that the payment was processed before the due date.

Despite providing this evidence, the late payment was incorrectly recorded on my credit report. 
Even though I followed the correct dispute process per the Fair Credit Reporting Act, XXXX, Experian, and XXXX have failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (AZ)

LVNV FUNDING LLC Account : for {$540.00}, and {$400.00}. In accordance with the Fair Credit Reporting act. This account 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 an account without my written instructions In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C. I am not liable for this debt with LVNV Funding LLC and do not have a contract with LVNV Funding, LLC They did not provide me with the original contract/application as I requested. This company has affected my lively hood with this derogatory reporting and has caused a hardship on my personal and professional life. I have submitted several disputes and LVNV LLC continues to report negative information on my credit report. Please remove these accounts as soon as possible. Thank you
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.