davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (GA)

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, AL, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Employer - JOB Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX  - XXXX XXXX  - XXXX Listed below are the Collections that XXXX being challenged XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX  XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] XXXX  XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Consumer complaint received 2024-07-18
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. (NC)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2023-07-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

B of A removed the autopay on my checking account that was set up to pay their credit card. They never told me it had been removed and then proceeded to charge me a LATE fee. I complained to them and to punish them, I simply don't use their credit card anymore.
Consumer complaint received 2023-07-12
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. (TX)

I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2023-10-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (CA)

NewRez sent multiple letters claiming that my HOA 's hazard insurance policy had expired and that they were threatening to issue a forced-place insurance policy that I would have to pay at my expense. My representative contacted them via phone on XX/XX/XXXX and found out NewRez never even attempted to contact the HOA to get the insurance information. My representative provided the contact information verbally to NewRez on XX/XX/XXXX and again in writing on XX/XX/XXXX. We demanded any and all information from NewRez showing proof that the HOA 's hazard insurance policy had expired. This information was demanded multiple times. New Rez never complied and never responded. They issued a letter dated XX/XX/2023 claiming that they had secured a forced-placed policy and were going to charge me directly. At ALL times herein, my HOA had a valid, active, insurance policy in effect and NewRez provided absolutely no evidence that the policy had expired, and no evidence that they ever attempted to contact the HOA.
Consumer complaint received 2024-07-18
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 recently discovered that my creditor failed to provide the required XXXX notice before the payment due date, along with the statement that outlines my balance and due amount. This notice period is critical because it ensures that I have adequate time to review my statement, arrange for payment, and avoid any late fees. Due to this oversight, I was not given sufficient time to make my payment on time. As a result, the creditor charged me late fees, and it now appears as though I did not pay my bill when, in fact, I was not given the opportunity to do so within the proper timeframe. This situation arose due to the creditor 's failure to follow the proper notification procedures, and it is their mistake that has caused this issue. I expect that, given this error, the creditor will rectify the situation by waiving any associated late fees and adjusting my payment record to reflect that this delay was due to their non-compliance with the XXXX notice requirement, not my negligence.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (SC)

" I reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''
Consumer complaint received 2022-12-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

Our home burned down in a wildfire in XXXX of XXXX. Our homeowners insurance paid the claim to XXXX XXXX My mortgage was sold in XX/XX/XXXX. By XXXX XXXX to Mr Cooper, a brand name for nationstar mortgage. 
XXXX neglected to turn over any documents regarding our insurance money. There is a balance of approximately {$110000.00} dollars. Mr Cooper acknowledged the amount, but will not release the funds based on lack of information from XXXX. So starting from scratch, I with the help of my insurance company and contractor forwarded all the documents necessary to release the funds. 
This process started XX/XX/XXXX. I have called mr Cooper several times a week since XX/XX/XXXX. 
Im told that they are waiting for the back office to make a decision. Each week Im told the same thing, its under review and should have a decision in XXXX to XXXX business days. That was about XXXX weeks ago. 
My home is very close to being finished. I had to borrow from my retirement account to make a partial payment of {$60000.00} dollars. My contractor has asked for a payment of {$91000.00} dollars. This is causing a great hardship for me and the contractor. I dont know what else to do. Hopefully you can help
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (GA)

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Incorrect Name : - XXXX XXXX Incorrect DOB : - XXXX Listed below are the Accounts that are being challenged XXXX  XXXX - XXXX Listed below are the Collections that are being challenged XXXX - XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX  XXXX XXXX XXXX XXXX XXXXXXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A XXXX XXXX XXXX XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] XXXX  XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Consumer complaint received 2024-07-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA XXXX. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-07-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I changed my billing from mail to electronic approximately XXXX months prior to this incident. I was receiving my bills monthly and always making payments on time. In XXXX of XXXX, Bank of America did not send me any emails with billing information and then began sending me physical mail bills through the XXXX XXXX. The first physical bill that I received was a late notice of payment. I called Bank of America immediately and told them that I did not receive any electronic bills or notifications since XXXX. When they checked their system, they told me that they had a different email address on file than the one that was being used when I signed up for electronic billing. The individual corrected the email account and then credited my account for all late charges and interest and paid my credit card in full to make sure that it was in good standing. The problem was completely on Bank of America 's end, their system did not send me the bill for XXXX, which is why the payment was late. 

My credit score as of XX/XX/year> was XXXX, my score is now in the mid XXXX 's. I always pay my bills on time and have never had an issue like this. This is unacceptable. I have contacted Bank of America asking them to correct their reporting with the credit agencies because they caused the billing error. Each time I called, they sent me a later several weeks later stating that they researched the delinquency and did not find any errors. This treatment of customers is unacceptable and my credit rating should not be suffering because of their errors. Can you please help me by having Bank of America report to the credit agencies that the missed payment was their fault and that my credit score should not be effected because of errors caused by Bank of America.
Consumer complaint received 2024-07-18
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. (FL)

As per guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an Advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required by Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 


I am a victim of human trafficking of debt bondage and would like for all the listed accounts to be BLOCKED AND DELETED XXXX  XXXX bal {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$15000.00} XXXXXXXX XXXX XXXX XXXX  XXXX {$4600.00}
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I have been trying to fix this for months now but to no avail, my requests to remove and correct erroneous information from my credit report keeps getting ignored, this is extremely infuriating. Not only my rights as a consumer is being violated, this is also affecting my life negatively in every way possible.
Consumer complaint received 2024-05-02
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. (SC)

On XXXX XX/XX/XXXX I sent dispute letters to Experian and XXXX stating there were inquires on my report I didn't recognize and were incorrectly reporting. Didn't hear back from them so I called and they both said they were unsure I filed the complaint, I reassured them I did and sent another on XXXX XX/XX/XXXX. I called a week later and they said it was validated. I told them my letter said to send proof of investigation and " anything '' with my written consent or email or anything giving these four banks/dealers the right to run my credit report. XXXX, XXXX XXXX XXXX XXXXXXXX, and XXXXXXXX XXXX XXXX had no right to do hard or soft pulls on me as I on specifically told the dealer I was approved and wanted financing through XXXX XXXX XXXX. What they did is Fraud and I want these inquiries deleted/removed as they negatively affect my business and most importantly they weren't authorized! Under the FCRA 605B they should have removed this fraudulent information within 4 days and it's XXXX now. These inquries done on XXXX XX/XX/XXXX should and needs to be deleted from both Experian and XXXX. Thank you for your assistance in this matter. XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-18
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. (MS)

This account was closed on the following date ( XX/XX/year> ) Since then the account has repeatedly been reporting active payment history on XXXX. This is an update in the payment history, A closed account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations.You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Accounts Name XXXX XXXX Account Number - XXXX
Consumer complaint received 2023-07-12
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (OH)

During my loan from XXXX to XXXX my payments were not taken off the final balance amount. There are two very large fees that they added to my bill that they would not tell me what they were for. At the end of my time having the vehicle the vehicle caught fire with me driving it. It was not deemed totaled but it was too expensive for me to fix and it did not run at the time. I tried to turn the vehicle over to them and they made me wait months for them to pick it up to be auctioned. They sent the price of what it would sell for at auction before it was even picked up from my property. The amount was for {$4700.00}. However when I looked up the VIN number on that vehicle it actually sold for {$9900.00}. The total of the vehicle was {$11000.00} with interest the total became {$13000.00}. I paid a total of {$4900.00}. The fees that they would not disclose to me total {$1300.00}. My calculation is that I only owed the finance company of Westlake Financial {$8600.00} not including the fees that they would not disclose to me the purpose of and with the true amount of the auction price I should not owe them anything or at the very least much less than the {$9200.00} that they have been reporting to my credit this whole time. I have already reached out to the Ohio Attorneys General Office about this issue. The OAGO has deemed this particular finance comany as " predatory ''. I have every document they have given to me along with the screen shots about what I found out by looking up the VIN number. The OAGO has reached out to them to try to settle on what I provided and they have refused. I have contacted them about this as well and was sreamed at by the person that was on the line and talked over the whole time.
Consumer complaint received 2024-07-18
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (CT)

THIS COMPLAINT IS AGAINST TRANSWORLD SYSTEM DEBT COLLECTION AGENCY. PLEASE READ THE COMPLAINT IN FULL BEFORE MAKING A DECISION. 

I was given a bill from XXXX XXXX in XXXX XXXX for a toll & paid it immediatelyXXXX XXXX XXXX  sent me a " multibill '' which had my toll and the tolls of XXXX other people on it. I sent the bill to XXXX XXXX XXXX with a letter stating to point the payment, which was a XXXX. Postal Service XXXX XXXX toward my license plate only. They did not, put it towards the whole account which is " XXXX XXXX '' & then I spent XXXX hours of my life trying to get this resolved. 

Citing an Americans with XXXX Act accommodation request for myself, XXXX XXXX XXXX created several trouble tickets for their help desk with the last call being to their help line at XXXX XXXX XXXX speaking to supervisor XXXX, Id number XXXX, with trouble ticket XXXX. The bill was zeroed out, any fines were dismissed, & they apologized. 

The problem is they have failed to update TransWorld Systems. I called TransWorld Systems and spoke to a " XXXX '', a XXXX XXXX, who since left the company, her supervisor " XXXX '' & left multiple XXXX 's for a XXXX XXXX. TRANSWORLD SYSTEMS REFUSES TO CALL THEIR CLIENT, XXXX, TO GET THE INFORMATION THAT THIS DEBT IS PAID AND CONTINUE TO ATTEMPT TO COLLECT ON A DEBT DESPITE ALL OF THE TROUBLE TICKETS TO THE XXXX XXXX XXXX HELP DESK AND THE PHONE NUMBER, AND THE POINT OF CONTACTS, HAVE BEEN GIVEN TO THEM, THEY ARE ILLEGALLY ATTEMPTING TO COLLECT ON A DEBT WHERE NO DEBT IS OWED. NO ONE WILL HELP ME EVEN THOUGH I HAVE NO BALANCE. THIS IS IN DIRECT VIOLATION OF THE FAIR CREDIT REPORTING ACT BECAUSE THEY ARE ATTEMPTING TO COLLECT A DEBT WHERE NO DEBT IS OWED AND KILLING MY CREDIT, NOT TO MENTION MY XXXX XXXX
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MA)

I called Experian to add a credit freeze because I am located outside of the US and wanted to safeguard my information. As a result, I can't do it online, but it allows me to call. So I called, added the freeze, and AFTER the freeze is added it states I will receive a PIN. I NEVER received a pin through email and there is NO WAY to speak to a human being. I called several different numbers, and it is impossible. It is unfair consumer practices to not give customers the ability to trouble shoot issues and speak to a human being. I want a phone number were I can speak with an individual regarding if I will ever need a pin if I need to unfreeze my credit report and how to get it!
Consumer complaint received 2024-07-18
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. (CA)

XXXX XXXX and XXXX XXXX have been reporting information to my credit files, Experian, XXXX, and XXXX. 
In accordance in the fair credit act. These creditors have violated my rights under 15 USC 1681 section 602. It states I have a right to privacy. Also 15USC1681 section 604A section 2 states consumer reporting agencies can not furnish an account without my written instruction. 

Thank you, XXXX XXXX