davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-09
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: Exeter Finance, LLC. (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear EXETER FIN, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Missouri state identity theft and credit reporting laws, specifically Section 570.223 of the Missouri Revised Statutes.

It has unequivocally come to my attention that EXETER FIN has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consumers consent is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouris identity theft statutes, particularly Section 570.223, criminalize the unauthorized use of personal identifying information, including the illegal access, use, or dissemination of personal data for fraudulent purposes. This includes unauthorized credit reporting that impacts a consumers financial standing.

I assert with unwavering certainty that I have not provided consent for EXETER FIN to report any information to my credit report. This undeniable lack of explicit permission constitutes a clear violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and Missouri state laws.

I demand, with the utmost certainty, that EXETER FIN immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri state law under Section 570.223. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including Missouris identity theft statutes.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that EXETER FIN will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WA)

XXXX XXXX XXXX XXXX XXXX is willfully in violation of the Fair Credit Reporting Act ( FCRA ). In conjunction with an earlier complaint ( CFPB Complaint ID : XXXX ) to the Consumer Financial Protection Bureau ( CFPB ), XXXX XXXX XXXX XXXX XXXX refuses to report accurate account status and balance information to credit reporting agencies, specifically Experian. 

In their response to CFPB Complaint ID : XXXX on the XXXX of XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX claims that their office is still looking into this matter ; however, their claims is inconsistent with the facts : 1. A signed statement from a XXXX XXXX XXXX XXXX XXXX retail branch manager, XXXX XXXX, on the XXXX of XX/XX/XXXX details the transaction that paid the loan in question, including a statement transaction from XXXX to present. 

2. A collection agency called : XXXXXXXX XXXX XXXX XXXXXXXX, which was hired by XXXX XXXX XXXX XXXX XXXX to manage the same account reported the account is paid and the balance is {$0.00} on or before the XXXX of XX/XX/XXXX - XXXX days before XXXX XXXX XXXX XXXX XXXX responded to CFPB that their office is looking into it. 

Note : a separate complaint was filed against XXXX XXXX XXXX XXXX  with the Washington State Department of Licensing in order to force compliance from XXXX XXXX XXXX XXXXXXXX to accurately report account status and balance information in a timely manner. 

XXXX. XXXX updated the same account information on the XXXX of XX/XX/XXXX. 

XXXX. On the XXXX of XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX reported to Experian that the account in question was unpaid, and the balance remained {$3100.00}. A copy of that dispute report is included here for reference. 

Altogether, this clearly proves that XXXX XXXX XXXX XXXX XXXX is willfully violating the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2023-03-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (IN)

My insurance lapsed for one month. I received one notice to provide proof of insurance. I purchased new homeowners insurance and provided the declaration page. They applied a negative {$160.00} balance to my escrow account and are making me pay for a month of forced insurance. I was not provided two notices before the forced insurance was purchased. I should not be required to pay for the forced insurance because I purchased a new policy ( XX/XX/2022 ) and provided the declaration page before the forced insurance was purchased.
Consumer complaint received 2024-07-26
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 see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.
Consumer complaint received 2023-03-10
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. (IN)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for
Consumer complaint received 2024-09-09
Product: Mortgage — Conventional home mortgage
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: Shellpoint Partners, LLC (MI)

when Newrez took over servicing the mortgage about a year ago, the invoices did not arrive until about 7 days prior to due date. For the past 4-5 months I have not received an invoice and I have called each time. Each time, including as recently as this morning I was told that they would email me a copy of the invoice and have never done so. 

I am entitled to receive a monthly invoice and they just blow me off. This morning I spoke with XXXX XXXX and she assured me I would get a copy of the invoice. I should not have to call each month when I realize that I have not received one. They really push paying on line and I am not comfortable doing that and I believe they are trying to force on-line or ach payments.
Consumer complaint received 2023-03-10
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. (NV)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2023-03-10
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Recording act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account : # XXXX XXXX XXXXXXXX XXXX, # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

15 U.S.C 1681 C. ( 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. 1681 s-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 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 {$0.00} XXXX XXXX XXXX XXXX XXXX {$3400.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$10000.00}
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

This letter is in response to your recent claim that the credit bureaus has verified that the accounts they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account ( s ). I am formally requesting a copy of any binding contractual obligations to pay them the exact amount claimed. Any automated response E-Oscar verification is unacceptable. I am requesting a re-investigation and your Method of Verification. According to 15 USC 1692c ( c ) if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consume, the debt collector shall not communicate further with the consumer with respect to such debt. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately. According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written permission. According to 15 USC 1681 I have the right to privacy. According to 15 USC 1681 s-2 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. ( B ) Reporting information after notice & confirmation of errors. A person shall not furnish information is inaccurate; and ( ii ) the information is, in fact, inaccurate. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: U.S. BANCORP (MD)

Last year, my homeowners insurance increased by {$XXXX} per year. That apparently meant that my prior payment schedule and escrow withdrawal amount would no longer be sufficient and short by that {$XXXX}. The problem arose when US Bank then increased my monthly mortgage payment by a little more than {$XXXX} more! Why? Thats an increase of ove {$XXXX} per year over and in addition to my regular payment! They keep telling me that its because of my escrow shortage! They cant give me a reasonable explanation and I need this to be looked into, please. I dont understand how an escrow shortage of {$XXXX} entitles them to take {$XXXX} per year!
Consumer complaint received 2024-07-26
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. (DC)

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  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 2024-07-26
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-07-26
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. (RI)

Recently I locked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit it is my understanding that you will investigate these items for me to ensure accuracy. Here are the items I am asking you to verify as accurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

The creditor/ " debt collector '' has failed to adhere to Section 609 of the Fair Credit Reporting Act. With failure to send back proof including a signed application within 30 days of request, the creditor/ " debt collector '' has violated my rights and is required to remove the alleged debt. 

Please remove the alleged debt for the credit/ " debt collector '' has violated my rights
Consumer complaint received 2023-03-10
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: SANTANDER HOLDINGS USA, INC. (MS)

On XX/XX/2022 I went to a XXXX XXXXXXXX XXXX in XXXX Ms , to trade in a vehicle. I discussed in the parking lot with the salesman my income and such. They proceed to run my credit with many banks without verifying my income or any information about me with an application. pretty much they used made up data to run my report.
Consumer complaint received 2023-03-10
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 have made attempts to reach out to XXXX and TransUnion in attempt to request that the hard inquiries be removed from my credit report as I did not authorize them. They have confirmed receipt of the request and refused to remove the following inquiries from my credit report. 

XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-09-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. ()

About a year ago, I opened a joint checking account for my son when he was XXXX XXXX XXXX. A couple of months ago, some suspicious checks were deposited into his account, which neither of us were aware of. We decided to wait and see if the issue would resolve itself. However, the checks did not clear, and instead, the bank closed and froze my son 's account. 

When I contacted the bank, they informed me that my son is permanently banned from reopening an account with them under his name. My son has done nothing wrong, and I dont understand why he is being held responsible for this suspicious online/mobile activity. 

We need assistance in resolving this issue, unfreezing his name and Social Security number with this bank, and clearing any negative impact from his credit history. Please help.
Consumer complaint received 2023-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (IL)

On XX/XX/2023 at XXXX XXXX an external transfer withdrawal was made from my US Bank checking account for {$4900.00} which neither I nor my spouse authorized. I immediately contacted the bank that same morning and was put in touch with the Fraud Liaison Department. They locked the account and had me file a claim. It was denied and I was told to resubmit and it was denied again. I asked for documentation for the denial and was sent technical information with the pertinent IP addresses and all other data necessary to find out where the money was transferred blurred out. After several more phone conversations with the Fraud Department I was told that the denial was final and there was no one else I may speak with at a higher level. The US Bank local branch manager phoned me and we had several conversations where he asked me to email him the paperwork between me and the Fraud department. I have called him to follow up and have not received a response. I have also filed a Police Report in my home town.
Consumer complaint received 2024-09-09
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: AMERICAN EXPRESS COMPANY (TN)

I am a victim of identity theft. Upon review of my credit file I found the following inquiries that were not authorized by me and were made without my knowledge or approval. I request that the creditor remove these from my credit file. Inquiry dates are : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. I have attached a copy of the identity theft police report to this complaint.