davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-01
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. (GA)

I reviewed my Consumer Reports and noticed that since XXXX of XXXX  the account below has been reporting late payments. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to best of their ability with Maximum Accuracy. I have never been late for this account. 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 XXXX XXXX Account number : 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 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 2024-09-01
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)

I am writing to formally request a reinvestigation of an accounts listed on my credit report. After reviewing my Experian credit report dated [ XX/XX/year> ], I noticed the following account that I believe are inaccurate. The accounts in question are : 1. Account Number : [ XXXX ] Creditor Name : [ XXXX XXXXXXXX  ] 2. Account Number : XXXX Creditior Name : XXXX 3. Account Number : XXXX Creditor Name : XXXX XXXX I have already disputed this account with XXXX, and they have removed it from my credit report. Given this action by XXXX, I request that Experian also review this account and make the necessary corrections or deletions if it is determined to be inaccurate
Consumer complaint received 2015-07-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TX)

Enclosed is a report dated XXXX of XXXX. In this report, concerning XXXX of XXXX credit card XXXX ... .. there are several issues. If I am incorrect please provide me with a copy of the law stating so, however I do not believe I am incorrect and after this complaint, if not fixed I will obtain legal council and attempt to recapture every dollar spend in interest that I should not have had to pay due to higher than necessary interest rates. 
Issues:1 ) You are stating that I am {$2000.00} past due as of XXXX XXXX. This account was written off in XXXX of XXXX at which time I paid my tax penalty on the amount and the account is done. I was past due that amount back at that point ( again XXXX ) but not currently. I agree that the statement preceding that is correct, " Account charged off, {$10000.00}, written off. '' but not that I am CURRENTLY past due. 
2 ) On page XXXX, you have me listed at " CO '' in XXXX of XXXX, then XXXX of XXXX. That is making me look as though I am a severe repeat offender. If the account was written off in XXXX then it was not written off in XXXX. If it was in both time please provide proof because my understanding is that the bank can not write the account off XXXX and get XXXX the tax benefit. If that have done so that I believe it is a burden on Experian to report XXXX XXXX XXXX to the IRS for tax fraud. 
3 ) You are listing as actions taken to being 'CO ' in XXXX of XXXX, then in XXXX and XXXX of XXXX, again in each month of XXXX, then I have no charge offs in XXXX and XXXX but every other month in XXXX. That accumulates to a total of 19 months that XXXX XXXX XXXX has charge my account off. Again that is making me look as though I am a severe repeat offender. XXXX account got charged off, at one time and I paid the price. Please reflect that in my report. 

I will continue to pursue these correction until they are either corrected or you can show me the actual law stating that you can XXXX me XXXX times on XXXX issue. However, my next complaint with actually come from both an attorney and other agencies such as the Texas XXXX Attorney General 's office.
Consumer complaint received 2024-09-01
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)

Complaint Facts Consumer Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX # XXXX, XXXX Texas XXXX Consumer Social Security Number : XXXX Consumer Date-of-Birth : XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 of the following identified accounts ; XXXX XXXX XXXX, Account number private, Balance {$500.00}, Date opened XX/XX/XXXX XXXX XXXX XXXX, Account number private, Balance {$8500.00}, Date opened XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  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. 

I have also provided Proof Of Identity as well as Proof of Residence documents for your review and confirmation of my identity.
Consumer complaint received 2016-01-29
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: GAMACHE & MYERS, PC (MO)

Received correspondence from Gamache and Myers on XXXX/XXXX/15 stating they are attempting to collect a debt for XXXX XXXX XXXX. Responded via certified letter to G & M requesting validation of debt be sent to my residence. Received response on XXXX/XXXX/15. Did not receive proper validation of debt, however. Responded via certified letter, again, to send me proper validation of the debt. Received notice today that G & M has filed suit on this debt without providing proper validation of the debt to me. Therefore I will be forced to hire an attorney, at my expense to defend this unsubstantiated lawsuit.
Consumer complaint received 2015-12-30
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (OH)

I 'm filing this complaint because Experian has ignored me request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30-day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2024-09-01
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. (VA)

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. 

XXXX XXXX  : # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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. I presume that no such debt exists. Additionally, I have not received any proof validating this debt. 
as required by law.
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XX/XX/year> Experian, XXXX XXXX XXXX, XXXX, TX XXXX Notification of Account in Litigation Dear, Experian I am writing to formally inform you that the account XXXX XXXX XXXX associated with your company is currently in litigation. As such, I am unable to engage in any discussions regarding this account until the legal matters are resolved. 

I appreciate your understanding in this matter. Please confirm receipt of this letter and your acknowledgment of the account 's status. 

Thank you for your attention. 

Sincerely,
Consumer complaint received 2024-09-01
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. (NV)

In accordance with the Fair Credit Reporting Act under 15 USC 1692 ( G ) I am demanding that my rights be enforced by requesting that these companies provide me and the CFPB for a " Debt Validation Claim '' XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX ; XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX Acct # XXXX A. Please provide me the original signature that i agreed to on this contract for this creditor. B. Please send me a full detailed list of the payment history of these account. C. Has there been any Insurance claims filed on this debt ( Please provide ) D. Please provide me the chain of title that you have to collect on this debt.
Consumer complaint received 2024-09-01
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. (VA)

In accordance to the Fair Credit Reporting Act the list below has violated my rights under 15 USC 1681 Account info Account name XXXX  XXXX BANK Account number XXXX Account info Account name XXXX XXXX  XXXX XXXX Account number XXXX Record details Record type XXXX XXXX  bankruptcy dismissed Date filed XX/XX/XXXX Date resolved XX/XX/XXXX Responsibility Individual Reference number XXXX XXXX XXXX XXXX
Consumer complaint received 2016-01-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (CA)

I have my home loan with Caliber Home Loans. They placed Lender Insurance on my property without advising me. I already had home owners insurance with XXXX XXXX. They changed my monthly mortgage payment without advising me because of this insurance they placed on the property. They stopped applying my payments, which were set up on automatic payment, because of this increase. They were however cashing the checks but they were not applying the payments to my account. I called to complain after receiving notifications of a pending 30 day late. I sent in proof of insurance at that time. They advised after reviewing the insurance that they would start applying the payments but that I still owed them {$1100.00} for the insurance they placed on the property without my knowledge. They said they mailed me a letter, which I never received. They have my email address and my phone number but they did not utilize either ; only mail.
Consumer complaint received 2024-09-01
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. (OH)

These accounts are illegal and I have already made an identity theft report. These collections are fraudulent. I've hired a XXXX  XXXX and I've placed security alerts on my bureaus. This is my second time having this issue with these accounts and inquiries that I did not authorize. Please remove them ASAP because its beyond illegal and I have contacted these companies numerous times and legal action will have to be taken. These accounts are fraudulent, illegal, I never ever opened these accounts. 

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
Consumer complaint received 2015-06-02
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (CA)

I have tried to contact JP Morgan Chase about a Home Equity Mortgage Loan that was opened on XXXX and was part of a shortsale conducted in XXXX. Chase has not responded to my request for them to correct their credit reporting to the credit bureaus. I have sent them XXXX correspondence in writing, and also filed disputes with XXXX, XXXX, and XXXX. All XXXX bureaus have verified that Chase confirms their reporting, which is incorrect. To be clear, they are reporting I currently have a balance of {$310000.00}, which is an astronomical amount of money that i DO NOT owe. This property was short sold and california law prohibits any deficiency balances owed on single family residences. In addition, the Code of Civil Procedure states that a mortgage lender who consents to a short sale waives any claim to pursue the seller for the balance. ( CCP 580 ( e ) - Chase approved the short sale in XX/XX/XXXX. 

Also, the act of credit reporting is considered an active attempt to collect a debt, therefore Chase is collecting on an illegal claim. Since Chase has not responded to my inquiries, I ask that the CFPB help me get chase to respond and not continue to ignore me. 

Attached please find my XXXX demand letter to chase that they have ignored.
Consumer complaint received 2024-09-01
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. (AZ)

According to the federal credit reporting act everything on my consumer report has to be 100 % accurate. I am informing EXPERIAN and XXXX. You are reporting incorrect information on my consumer report. Related to ( XXXX XXXX XXXX ; XXXX ) FCRA XXXX I am entitled to a 100 % report if not it should be deleted. Please re investigate this account and send me proof providing the names and addresses of who you spoke with to prove this account. In addition, I never received a letter from this creditor stating the amount the car was sold for at auction. Also the amount owed should be different after auction sale. Therefore, please state everything you are reporting is accurate. If you can not provide me with this information delete this account or conpensate me for the losses this account is causing me. Also this account is extending the statue of limitations after a CO.
Consumer complaint received 2024-09-01
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. (IL)

i have not supplied proof under the doctrine of estoppel by the silence Engelhardt. V Gravens ( mo ) 281 SW715.719 presumed that mo proof of the alleged debt. Nor therfore any such debt in fact therefore exists. ( Please remove these accounts before i seek litigation for defamation of character ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-06-03
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (NJ)

I had a vehicle and the loan company was XXXX XXXX XXXX. Back in 2011 approximately the vehicle without notice and owing only XXXX payment plus the current after that month due. They went to my job without warning to repossess my pick up truck. I called the dealer XXXX name is XXXX XXXX and explained the situation they were not helpful at all. 
I asked them to cancel the gap insurance and the warranty insurance. I was told that the money was to be applied toward the loan company. 
Left it as is. Then I received notice from the loan company stating that the vehicle in question was sold in auction and that I only owed XXXX dollars. then they send me another notification that it was considered a charge off. 
Then as of month ago my wife and I have been receiving threatening calls that we owed XXXX and that we could settle for XXXX. 
My wife explained the situation and the were threatening us for the total amount due, of which is inaugurate. The calls did not stop until we told them that we were going to file a complaint through the Federal Trade Commission. They were `very nasty towards my wife. 
They got to a point where every day they were calling my wife had to go thru a hard time of being blackmailed. Even when they told her that they needed the money right away. We explained to them that mount was crazy. They kept on calling until we told them we were making a complaint then they told her that the calls were stopping. I gather information that is relevant to this case Spoke to XXXX XXXX at Mercantile Adjuster Bureau he is the vice president XXXX Their number and address are as follows XXXX XXXX XXXX NY XXXX XXXX there is deficiancy of XXXX. When we received the auction papers thje vehicle was sold approximately XXXX keeping the gap insurance and the warranty. They do not want to go into details and told my wife that they were sending us a validation of the account their reference number is XXXX. XXXX XXXX XXXX account number XXXX. When I called them they had a recording the the debt is XXXX. 
This is a joke can not comprehend this at all and need your help figuring in a prospective that I can understand they can not come years and years the fact ant tell us this. Your help in this matter shall be greatly appreciated.
Consumer complaint received 2016-01-12
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (CA)

In XXXX shellpoint mortgage ( lender ) begins to collect escrow funds. Throughout the next year and half as borrower makes payments, lender fails to credit account and instead places funds in unapplied account. Borrower becomes up to six months behind on mortgage payments as per Shellpoints records. 
In XXXX of XXXX we were granted a loan modification by shellpoint mortgage ( lender ). The accounting that the lender used to figure that loan mod was inaccurate. As part of the loan mod the lender was supposed to bring payments in arrears, add these funds to the principal balance so that there are no monies to be in arrears on the Modification effective date ( XXXX/XXXX/XXXX ). But Shellpoint added {$17000.00} to loan balance but failed to bring loan current. Borrower contends he is only XXXX payment behind on modification effective date where as lender has borrower XXXX payments in arrears. Lender never brings loan current as required by loan mod. As borrower continues to make monthly payments lender fails to properly credit account. As an example, borrower paid three times for the XXXX/XXXX/XXXX payment. On XXXX/XXXX/XXXX borrower paid {$7100.00} for due date of XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX borrower paid {$6000.00} for due date of XXXX/XXXX/XXXX, and on XXXX/XXXX/XXXX borrower paid {$6200.00} for same due date of XXXX/XXXX/XXXX as per Shellpoints own records. 
On XXXX XXXX, XXXX lender offers to amend loan mod but still has incorrect figures. In XXXX/XXXX/XXXX borrower signs notarized copy of new amended loan modification. Currently, Shellpoint is returning all payments made by borrower and does not return phione calls and has locked borrower out of online account activity. But borrower continues to make each monthly payment as per loan modification.
Consumer complaint received 2015-11-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CO)

I filed a dispute with Equifax for incorrect information in my Credit Report Dispute Number : XXXX, they said it was still open. Please refer to XXXX. Today they closed the dispute saying the account is mine. They have failed to provide proof of ownership of the account. I have contacted XXXX XXXX via the number they provided ( XXXX ) and they have no record of my alleged account. There is an account that does n't belong to me, and I have explained to them I do n't recognize this debt or owe any money to this creditor. If valid it would have been paid. Furthermore, the Fair Credit Reporting Act, states they are required by law to remove any negative item that has been closed after 7 years. Moreover, this debt appears to be past the Statute of Limitations so it meets all the criteria to be removed. Just because someone opened an account with my personal information, and the creditor reported this to Equifax , I am liable for the account??!?! 
Please have Equifax provide proof I opened the account in question, the purchases that were made and signed documents, otherwise if they still insist in keep the account there, I will escalate this to the FTC, my state attorney general, file a complaint with the XXXX, and will sue Equifax.
Consumer complaint received 2015-06-02
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK (IA)

Per a credit report pulled in XXXX and disputed several accounts listed with all XXXX credit agencies, as the accounts were not even mine. Discover Card Account XXXX, XXXX Account XXXX and XXXX XXXX XXXX Account XXXX. All XXXX of these accounts belonged to a different XXXX XXXX. Additionally, there was no social security number on file for XXXX of them, and there was also an invalid address attached to my credit reports for the state of Virginia and I have never lived outside of the state of Iowa in the XXXX years of my existence. When calling Discover the representative told me in XXXX that name on file was for a XXXX XXXX XXXX, that there was NO social security number captured from that person for the account AND when reporting the credit situation, they did n't know where to attach it so they put it on mine. These XXXX companies have attached information for someone named XXXX XXXX to my account since XXXX, which has impeded my ability to secure fair interest rates or even securing loans to purchase vehicles or a home. Lastly all XXXX of these companies informed me when calling in XXXX that my social security number was not even in their system, and upon formally disputing these items with the XXXX credit reporting agencies, it took over XXXX years and more than XXXX attempt to get these items removed from my credit report. In XXXX, I was refused a car loan, in XXXX I secured a car loan for a rate of 10.75 % interest, in XXXX and XXXX I was refused home loans when attempting to purchase and as a result was required to relocate myself and my children XXXX times in XXXX months shortly after their father passed away.