davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-23
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. (NY)

I am a known victim of identity theft. This is the third time I have filed a complaint for this exact issue but the credit bureaus keep violating Federal law as well as my rights and there has been no recourse. If I am forced to sue them I am going to seek damages of over XXXX for the time and frustration and the damage to my reputation. I have filed complaints with the Attorney Generals office as well as contacted my congress person. My information was exposed in a Data Breach ( and keeps being exposed repeatedly ). Then the person or people used this information to open a few credit cards and other accounts UTILIZING MY INFORMATION AND PRETENDING TO BE ME. I have not said that the accounts belong to someone else and are on my report incorrectly. I am saying the person pretended to be and committed fraud against me. This information needs to be blocked from reporting. The credit bureaus can not keep ignoring me, it is illegal. They are having the information processed in XXXX and they are screwing everything up. In addition to blocking the information, I demand they send me all of the information regarding the opening of the accounts and the original applications, showing my signature or that I agreed to this. I will take this back to the police since they are the only ones who seem to be willing to help me.
Consumer complaint received 2016-06-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I sent an error resolution written inquiry on XXXX XXXX, 2016 regarding a number of issues including, failure to post payment and erroneous late charges/property inspection fees. The bank responded on XXXX XXXX and the XXXX 2016 that my inquiry was received. I have not received any further communication and my inquiry is unresolved. XXXX ) Additionally in XXXX 2016 another payment was not posted to my loan.
Consumer complaint received 2016-06-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ERC (OH)

I have a a unverified account from ENHANCED RECOVERY COMPANY # XXXX. I had previously disputed this account. I have never done business with ENHANCED RECOVERY COMPANY. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt ENHANCED RECOVERY COMPANY purport I owe. I request that ENHANCED RECOVERY COMPANY Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ENHANCED RECOVERY COMPANY Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2016-11-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (SC)

It is our belief that Bayview Loan Serving, LLC has been violating The Federal RESPA Act multiple times regarding our account. A ) Refusing to provide mortgage Statements even after Chapter XXXX discharge five months ago. B ) Failure to respond to written requests for statements and information. C ) Sent one delinquent letter in error and apologizing once over the phone and not sending a letter of apology. D ) Refusing now, not to speak with us via telephone ; telling us they will only communicate with an attorney. 
All payments were made at the end of each month for payments due on the XXXX and all were sent certified and signed prior to due date. Our most recent payment for XXXX XXXX was sent and received but they have not been deposited in our account.
Consumer complaint received 2016-07-23
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: FIRST NATIONAL BANK OF OMAHA (LA)

1ST NATIONAL BANK OF OMAHA XXXX XXXX XXXX XXXX, NE XXXX Re : Unauthorized Credit Inquiry Dear Creditor, I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing on XXXX XXXX, 2014. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. I need your prompt response to this issue. 
Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 
Thanking you in advance, XXXX XXXX XXXX, XXXX
Consumer complaint received 2024-10-02
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. (WI)

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 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I have recently reviewed my credit report and found that false information continues to be reported by XXXX, Experian, and XXXX. Despite submitting disputes, the credit bureaus have incorrectly verified this information as accurate. I am providing attached documentation that clearly proves these entries are not correct. This persistence in reporting inaccurate data violates the Fair Credit Reporting Act ( FCRA ), particularly section 623, which mandates that information provided to credit bureaus must be both accurate and complete. 

Given the proof provided, I request that you immediately remove this inaccurate information from my credit report. Continuing to verify and report false data is a clear violation of my rights under the FCRA. Please act accordingly to correct this issue and update my report to reflect accurate information only.
Consumer complaint received 2016-12-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (ID)

I have called numerous times, and sent a letter to XXXX XXXX XXXX, some company named XXXX XXXX XXXX, and XXXX, requesting they send proof of account ownership or a signature card with my signature on it. After repeated attempts at calls made, a letter was sent XXXX XXXX, 2016 to each institution, I received a response letter from the Office of the Comptroller of the Currency dated XXXX XXXX, 2016 stating they had forwarded my complaint to your agency. I have made several attempts to have these XXXX accounts with the institutions listed above to remove derogatory information being reported continually on my credit report without any success. I have correspondence from XXXX stating they have declined any further action for the past three years, however it still remains on my report as currently in default, and subsequently negative. I would like assistance with addressing these accounts as listed above as soon as possible. Thank you for your help in getting this problem resolved!
Consumer complaint received 2016-08-04
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NJ)

In response to an earlier answer from Wells Fargo. Wells Fargo used dual tracking a clear violation of regulation Z and CFPB servicing rules. 
1. Foreclosure judgment filed in XX/XX/XXXX while I was attempting to modify the loan. 
2. After they filed a judghement in XX/XX/XXXX - Wells Fargo sent me correspondence to modify the loan in XX/XX/XXXX. In XXXX XXXX, XXXX, I received documentation from Wells that they were missing documents. All documents were resent in XX/XX/XXXX and the loan was modified in XXXX XXXX. But in XX/XX/XXXX while I was on a modified loan, wells fargo chose to change the locks to my home and discard of all my personal belongings absent a court order to do so. When I contacted wells fargo they told me the house was foreclosed on in XX/XX/XXXX, I asked under what grounds, they did n't have an answer. Their atty .filed for bankruptcy as a result of fraud. We were defrauded by Wells Fargo and they have to pay me damages for their deceptive and fraudulent actions. They deserve to be shut down. I have gone through several years of mental anguish because of them. 
Under the servicing guidelines they violated every rule. 
The rule restricts " dual tracking, '' where a servicer is simultaneously evaluating a consumer for loan modifications or other alternatives at the same time that it prepares to foreclose on the property. Specifically, the rule prohibits a servicer from making the first notice or filing required for a foreclosure process until a mortgage loan account is more than 120 days delinquent. Even if a borrower is more than 120 days delinquent, if a borrower submits a complete application for a loss mitigation option before a servicer has made the first notice or filing required for a foreclosure process, a servicer may not start the foreclosure process unless ( 1 ) the servicer informs the borrower that the borrower is not eligible for any loss mitigation option ( and any appeal has been exhausted ), ( 2 ) a borrower rejects all loss mitigation offers, or ( 3 ) a borrower fails to comply with the terms of a loss mitigation option such as a trial modification. 
I require full compensation, I will notify every news channel and federal court regarding Wells Fargo Actions. I have already notified the office of atty general.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OR)

To Whom It May Concern, I am writing to express my profound disappointment and grave concerns regarding the accuracy of my personal information on file with your esteemed institution. While perusing my credit report, I was dismayed to discover discrepancies that have raised significant questions about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, which I have attached to this letter for your thorough review. I earnestly request that you investigate this matter and take prompt and necessary actions to rectify any errors and update my personal information in a timely and precise manner. Your cooperation and assistance in this regard are paramount to retaining my trust and confidence in your institution. 

Incorrect Current Address - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, OR XXXX Incorrect Name - XXXX XXXX XXXX Incorrect Previous Address - XXXX XXXX XXXX XXXX, XXXX, OR XXXX Incorrect Name- XXXX, XXXXXXXX XXXX Incorrect Previous Address - XXXX XXXX XXXX XXXX XXXX, WA XXXX
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

XXXX XXXX auto lease account contains incorrect and innacurate information, about payments and balances and should be removed inmediately. 
I have tried to communicate with XXXX, XXXX and Transunion as well as with XXXX XXXX without a resolution.
Consumer complaint received 2024-10-02
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)

I am filing this complaint regarding Experians failure to properly verify a debt reported by XXXX XXXX XXXX ( XXXX ) on behalf of XXXX XXXX XXXX. In a previous dispute filed through the CFPB, Experian verified the debt as {$3400.00}. However, I have written proof from XXXX confirming that the actual debt amount is {$3400.00}, revealing a discrepancy in the verification process. 

This inaccurate verification is a violation of the Fair Credit Reporting Act ( FCRA ), which requires that all information reported on a consumers credit report be accurate and fully verified. Due to this improper verification, I have suffered significant financial harm, including : Denial of multiple credit card applications Denial of an auto loan for {$100000.00} Denial of a home loan for {$400000.00} I have attached an invoice for damages. 
Experians failure to verify the debt accurately has severely impacted my creditworthiness and caused substantial financial damages. 
I expect swift action on this matter and will pursue further legal action if necessary to protect my rights under the FCRA.
Consumer complaint received 2016-12-22
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (TX)

AES is not being transparent in servicing my loans. There are XXXX loans serviced with my account, but they continue to apply my payments to only XXXX ... RATHER than to all XXXX ; therefore resulting in unnecessary late fees and a barrage of phone calls. AES calls my family, friends, and me about 10-20 times per day using BLOCKED phone numbers.
Consumer complaint received 2024-10-02
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. (GA)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2016-03-08
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Transfinancial Companies, Inc (LA)

This account suddenly showed up on my credit report XX/XX/XXXX. I have no clue as to where this debt came from nor have I received any notice of this debt prior to them reporting it on my credit report. It 's apparent they have my address to send me notification as I just disputed accounts with this company and they responded to my address regarding the disputes. According to my credit report, the date of 1st delinquency was XX/XX/XXXX but the debt was not assigned to this office until XX/XX/XXXX and did n't report until XX/XX/XXXX ( when I began disputing other accounts this company had reported and DELETED once I disputed them. I would think that a company must give some sort of nitification prior to reporting on my credit report. I am trying to achieve certain financial goals and I just paid XXXX accounts from the hospital I went to just to simply avoid any sort of credit reporting. Had I Gotten something from this company prior to them reporting it after researching the account with my insurance company as well as the hospital, if it where something I owed, I would 've paid it as well. This is obserd that companies are allowed to get away with this and it 's a constant battle to have to protect yourself against collection agencies that are out to collect no matter what the cost to a consumer. They can brake the laws and I 've had enough of it. I 'm reaching out to CFPB in an attempt to have this handled correctly. Not only do I expect the account to be removed but I want proof that this debt is even mine because I 've always had insurance and I find it very strange that suddenly a collection comes from your office when I disputed other accounts reporting on my credit report.
Consumer complaint received 2016-12-09
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: U.S. BANCORP (TX)

US BANK CALLED TO TELL ME THAT THERE WAS SUSPICIOUS ACTIVITY IN MY AC & THAT THEY CLOSED MY AC.THEN THEY WROTE TO ME SAYING THAT MY BALANCE WOULD BE TRANSFERRED WITHIN XXXX BUSINESS DAYS.THAT NEVER HAPPENED & NOW WHEN I CALLED US BANK THEY GAVE ME A NUMBER, THAT NUMBER GAVE ME ANOTHER NUMBER & SO ON & SO ON. I CHECKED ONLINE & SEE THAT TYPE OF ACTIVITY IS REGULAR WITH US BANK. I NEED TO CHECK MY OPTIONS OF RECOVERING THE {$300.00} ODD DOLLARS I HAD IN MY AC, I ALSO NEED TO EXAMINE MY OPTIONS OF RECOVERY FROM THEM.
Consumer complaint received 2024-10-02
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)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Consumer complaint received 2016-06-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (ID)

My mortgage loan was being serviced by XXXX XXXX XXXX for the past 5+ years. I filed bankruptcy under Chapter XXXX in XXXX of XXXX. I was not in arrears, and my plan indicated I was to pay my mortgage payment monthly outside of the plan. XXXX XXXX XXXX sent me monthly statements every single month, as well as quarterly escrow account reviews, so I could know when to pay, how much to pay, etc. My monthly statements showed by loan balance, my escrow balance, my payment breakdown, and an explanation of amount due. My loan was transferred to Bayview Loan Servicing in XXXX of XXXX. I have not received ANY correspondence from Bayview Loan Servicing other than the initial welcome letter. In other words, they refuse to send me my billing statements each month. They will not send me any information about my account unless I call every month to ask them to send my ledger. They claim they are prohibited from sending me monthly invoice statements. However, That can not be true if XXXX XXXX XXXX was sending invoices every month. How can I keep abreast of my finances if I am not receiving any information on the bills I am to pay? Chapter XXXX bankruptcy should not prohibit me from receiving information about my mortgage loan on a monthly basis. I am not aware of any law or provision in the bankruptcy code that prohibits mortgage companies from sending an invoice each month, especially in a Chapter XXXX where I am to continue to make regular monthly payments and have agreed to do so in my Chapter XXXX plan.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.