davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-01
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)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-05
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Chrysalis Holdings LLC (FL)

On my preliminary papers it's say Mt rate could go up.to 6.90 % with Discount points approval 2.00 % this is a VA loan for XXXX  years loan amount XXXX $ MY Rate lock is XX/XX/year> at that time VA interest rate was 6.187 % on XXXX of XX/XX/year> on my papers thay put XXXX fixed rate I called told XXXX XXXX XXXX he was.my loan officer he said because I didn't put.any money down that's the reason I had a high interest rate. He also added closings cost to My. Loan of XXXX $ my total loan was XXXX $ it was only XXXX $ .He said.because.i didn't have any money down again.I had a XXXX  day rate lock that's started on XX/XX/year> and VA XXXX yr rate XXXX not XXXX is thus because I didn't have any money down I think im.being am a XXXX War veteran with XXXX other thing I know I'm trusting but something seems wrong XXXX XXXX
Consumer complaint received 2024-10-01
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 under the doctrine of estoppel by the silence of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXX XXXX balance {$310.00}, XXXX XXXX XXXX XXXX {$9400.00}.
Consumer complaint received 2024-10-01
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. (MI)

I was shocked this morning to find inaccurate accounts on my credit report, and I have no idea how they got there. I regularly check my credit report, and this time I saw discrepancies that appeared out of nowhere. I thought maybe it was a glitch and refreshed my browser, but the wrong accounts were still there. I really hope the documents I sent are reviewed carefully so I can stop worrying about this happening again.
Consumer complaint received 2024-11-01
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (MS)

Dispute of {$42.00} - XXXX American Express XXXX in # XXXX XXXX XXXX XXXX On XX/XX/year>, was approached by a XXXX American Express employee to take out a credit card offer that they were currently promoting. The old lady was very friendly and explained to me the card had " no annual fee '' the first year and for signing up that I could visit their XXXX lounge. I was having difficulty signing up for the card on my phone, so the employee took my phone and helped me sign up. ( since I do good to answer and make phone calls on my smart phone ). 
After my return from my trip, I received a statement dated ending XX/XX/year> in the mail for {$650.00}. I called and spoke with a XXXX at American Express and explain to him that this was not what I had signed up that it should be a {$0.00} annual fee according to what I was advised by the lady at the XXXX XXXX. 
XXXX advised me that they had no such promotion. I advised him that apparently, she was a salesperson trying to sell me something for a commission. XXXX apologized for what happened to me and stated that he would remove the charges and sign me up for a " XXXX XXXX XXXX card '' On my next statement ending on XX/XX/year>, I received I had a credit of {$600.00} instead of the entire amount of {$650.00}. I called again on XX/XX/year>, and again explained the issue all over again. This XXXX XXXX stated that the previous agent did not document what was explained first time and gave me a Ref # XXXX and stated that they would research the issue. I was also advised that they should have the investigation completed by XX/XX/year>. 
On my next statement ending on XX/XX/year>, I received interest and penalty charges on the {$42.00} that was not originally credited. I called again and spoke to an agent named XXXX. 
On XX/XX/year> I called again, and this time asked to speak with a supervisor. I was transferred to a second line supervisor by the name of XXXX. I explained to her my frustration and anxiety due to the fact that they advised me that the investigation was to be completed by XX/XX/year> which they have not done so. She removed the interest and penalties but could not give me a time frame when the {$42.00} would be removed. 
This has been very distressing and I'm ready for this to be over, please help. 
You would believe after four attempts that this issue would be resolved. 

XXXX XXXX
Consumer complaint received 2024-11-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Profit Recovery, Inc., Marlborough, MA Branch (TN)

AMERICAN PROFIT RECOVERY Put this on my credit report I asked to verify debit and show proof of ownership and they failed to provide it. This is not my debt no prior warning by mail or notification to dispute this before hand!!! Please remove it off my report immediately!
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PR)

I was the victim of identity theft, which constantly entered my credit, and I see that they have put some accounts in my credit that do not belong to me. I want them to be removed because the information is incorrect. The accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-10-01
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. (PA)

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 XXXX, XXXX XXXX : XXXX XXXX. Act Name : XXXX XXXX XXXX  Act Name : XXXX XXXX XXXX 15 USC 1681 section 602 A, 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 an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which anteaters the report by more than seven ( 7 ) years. 15 USC 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 reasonably believes that the information is inaccurate. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. Sincerely, In accordance with the Fair Credit Reporting Act, 15 USC 1681 section 602 A, 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 an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CO)

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXX XXXX accnt # XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2024-10-17
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: EQUIFAX, INC. (GA)

I recently disputed accounts & inquiries on my consumer report that are a result of identity theft and they came back verified. Pursuant to 15 U.S.C. 1681i ( 7 ) and FCRA Section 611 ( a ) ( 6 ) and ( 7 ) I have the right to request an explanation of the verification method used I am requesting the method a verification that you used for the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of Verification- Description of reinvestigation produce. A consumer reporting agency shall provide to a consumer a description referred to in a paragraph 15 U.S.C. ( 6 ) ( B ) ( III ) - a notice that, if requested by the consumer a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency including the business name and address of any furnisher of information contacted in connection with such information and telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I am NOT asking you to reinvestigate but Im asking for the method of verification. Please provide me with the following information to insure 100 % accuracy. If you can not provide this information within 15 days please remove this item from my consumer report. Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Thank you for your attention in this matter, XXXX XXXX XXXX Without prejudice, All Natural Rights Reserved
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc. (RI)

I recently reviewed a copy of my XXXX AND XXXX consumer credit report and I noticed that I had a fraudulent account on my profiles. I am referring to the account from CCS Collections with account number XXXX. Please remove this account from my reports IMMEDIATELY because I did not authorize them and I do not recognize them therefore I am not liable for this debt. I have never entered into an agreement or a contract with CCS Collections which makes this a fraudulent account, inaccurate reporting to my consumer credit reports and a violation of my consumer rights under the FCRA and the FDCPA. This fraudulent account reporting is hurting my ability to obtain credit and is damaging my financial reputation. I demand for all forms of communication from CCS Collections to IMMEDIATELY cease and for this account to be deleted from my consumer reports. 

15 USC 1681 section 602 A States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 States a consumer reporting agency can not furnish a account without my written instructions 15 USC 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place known or which should be known to be inconvenient to the Consumer
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

I recently disputed the accuracy of certain information on my credit report and I have received a response. XXXX and XXXX both found inaccurate reporting on this account and deleted it from my credit report. However, I am not satisfied with the outcome of the Equifax reinvestigation. Therefore, I am writing to request the method of verification for the following disputed item : Disputed Item : 1. Account Name : XXXX XXXX XXXX Credit Card Account Number : XXXX Reason for Dispute : Payment history does not make sense. Also, each month the account is reporting as charged off which extends the statues of limitations. The report states charged off, but also shows a balance. 
Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 7 ), I have the right to request " a description of the procedure used to determine the accuracy and completeness of the information. '' Additionally, FCRA Section 607 ( b ) requires that credit reporting agencies " follow reasonable procedures to assure maximum possible accuracy of the information '' contained in consumer reports. 
Please provide the specific details on how the investigation was conducted, including : 1. The name, address, and telephone number of the person or entity that verified the information. 
2. The method and sources used for verification. 
I appreciate your prompt attention to this matter and look forward to your detailed response as required by law.
Consumer complaint received 2024-11-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

Select Portfolio Servicing has been trying to charge me an escrow payment of over {$60000.00} on my mortgage. SPS claims this is a tax escrow but I 1 ) never requested SPS pay taxes from my escrow account and 2 ) I live in a co-op building and the amount they are trying to charge me is for the entire building! I pay any taxes through my HOA/co-op dues and have never paid through my mortgage company ( before SPS became the servicer for my loan, this was not an issue ). 

I've called several times to explain and I have been told since XXXX that they are going to fix it ( they agree it's an error ) but every month they keep claiming an escrow shortage and are attempting to charge me over {$60000.00} when my mortgage payment is around {$970.00} a month. 

This is causing me, my family and our child a lot of emotional distress given this issue has not been rectified. I've called over 10 times in the last couple of months and have spent several hours explaining the same thing over and over again. I even had someone from my municipality 's tax office on one of the calls to confirm that the tax escrow is incorrect. Can you please help?
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-10-01
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. (CA)

This letter serves as my final demand for immediate action regarding unresolved disputes related to inaccurate and unverified items on my credit report. Despite my multiple attempts to correct these errors, your failure to conduct a proper investigation and remove these items from my report is a clear violation of the Fair Credit Reporting Act ( FCRA ). This negligence is unacceptable, and I insist on prompt rectification.
Consumer complaint received 2024-10-17
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: EQUIFAX, INC. (NY)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXXXXXX & XXXX XXXX
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-08-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (GA)

Name Of Collection : Credit Collection service Date opened : XXXX XXXX Amount : {$120.00} Hello my name is XXXX XXXX and i have contacted you guys for weeks, i have XXXX collections account on my credit report that it fraudulent i am a victim of identity theft, this has been a true nightmare i have been soo depressed because of how much trauma this has caused me i do not deserve this and i need justice for this please
Consumer complaint received 2024-10-01
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. (SC)

Under 15 USC 1681 ( e ) ( b ) and the Fair Credit Reporting Act XXXX and Experian after many attempts to dispute this reporting has refused to remove and delete the XXXX Bankruptcy reporting on my credit report. I have already had it removed and deleted from the XXXX credit bureau, but XXXX and Experian will not delete it after numerous disputes. I have attached my XXXX dispute to display as evidence that XXXX removed and deleted the Bankruptcy item so XXXX and Experian should delete the item too. 

Dispute dates : XXXX Date Submitted Date Completed XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> EXPERIAN Date Submitted Date Completed XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year>
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I have XXXX loans from the XXXX XXXX  XXXX XXXX listed on my equifax report. 
I did not request these loans and they do not belong to me. 
I have opened a XXXX  complaint, left a XXXX review and tried reaching out by phone on numerous occasions and can not speak to anyone. 
I disputed the items on my credit with no response as of yet. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WI)

Upon reviewing my consumers report, I noticed that there were several accounts listed that are not mines. These accounts do not belong to me. 
Here are the accounts listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX