davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-31
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: 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.

has violated my rights. Or 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 2023-07-31
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: Experian Information Solutions Inc. (FL)

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.

has violated my rights. Or 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 2023-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

Its imperative to me that my information reports with 100 % accuracy. The address Experian is reporting is incorrect Im asking for an immediate removal of the address below XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Fl XXXX XXXX asking for the address to be updated to XXXX XXXX XXXX XXXX XXXX, FL XXXX It looks like address was removed and reinserted
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-05-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (GA)

Back in 2021 I had change insurance due to us having a trampoline. The insurance company requested payment from my mortgage company. Little did I know they didn't pay it after several letters telling my insurance was expiring. So that's when I started investigating to figure what is going on. It usually automatically renews and I never have to worry about it. Well come to find after calling insurance company they canceled due to know payment. So quickly got it fix and contacted the mortgage company. The mortgage company had no clue until I called them. Then made sure they paid the new insurance. Then they debit my account for that insurance and then their own insurance. Months after I got it fixed. If I would have know they were charging me insurance I never would have gotten my own. My account has been so messed up. No one will take ownership in this so guess who gets fault. They won't call me back and give me answers on how fix it. Now after 2 yrs. They went up on my escrow which has cost my mortgage to go up XXXX dollars more a month. So you can say I'm alittle XXXX off bc I feel like I'm the one paying for their mistake. Someone please tell me how to fix this. Thank you XXXX XXXX
Consumer complaint received 2023-07-15
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. (GA)

I visited multiple car lots to find car and they stated that they will only run my credit once but checked it an enormous amount of times. Which extremely negatively affected my credit report. The unauthorized inquiries are listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-08
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. (AL)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2023-08-13
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: 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. 

Account Name : XXXX  XXXX Bankruptcy Account Number XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX  Account Number XXXX Account Name : XXXX XXXX Account Number XXXX has violated my rights. Or 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 2023-07-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (FL)

On XX/XX/2023 I expected {$470.00} to be deposited into my account from my Cash App balance. I checked my account on the XXXX, when I did not see my deposit I called Cash App and was told to wait 3 business days and my money should arrive. Three business days came and went and I still did not receive my money. 
I contacted my bank and they said there was no trace of the money. On XX/XX/2023 I asked Cash App to look into this issue for me. They asked me to provide proof. I provided print outs of my account showing I only had a {$5.00} balance with no pending or past transactions. They also asked for a letter from my bank which they provided also verifying that I did not receive a deposit. After all of this, Cash App said they would ask my bank for a reversal. How could they reverse that which never arrived? So they attempted to withdrawal {$470.00} from my account knowing my balance was only {$5.00} which caused me to be charged a {$25.00} insufficient funds fee by my bank. 
Fast forward to today, Cash App just insisted the money was there, ignoring the proof that they asked for. My bank did their own internal investigation and found that no deposit entered any account that whole week in the amount of {$470.00}. They offered to talk to Cash App to try to work this out but Cash App will not cooperate. Money does not vanish without a trace and I need for someone to take a deeper look into this so that I can get my money back.
Consumer complaint received 2023-07-07
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: Experian Information Solutions Inc. (GA)

I am writing to dispute these fraudulent charges on my accounts. I am a victim of identity theft, and I did not make this charge. I am filing this complaint for myself not anyone else. Remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the accounts. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.
Consumer complaint received 2023-07-31
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: Experian Information Solutions Inc. (GA)

I am writing to dispute the accuracy and completeness of the information contained in my credit report maintained by your agency. I have recently obtained a copy of my credit report, and upon review, I have identified several discrepancies and incomplete data that require immediate attention. ( See Attached )
Consumer complaint received 2016-11-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (NY)

XXXX sold my loan to Nationstar while I was in a modification. After 5 years, as per mod agreements, interest rate was to go from3 % to 4 % for a year, then 4.5 % until term. The payments at 4 % would be too much for me because of lost income and other events. XX/XX/XXXX I applied for another modification with Nationstar. It was approved, but I would n't know the terms until finished with the trial payments. Every month or so I will be assigned a new " loan specialist '' to help with my issues, but to date, never once spoke to the person assigned to me. every phone call I made meant I had to start over and every person I spoke with offered a different version. I was told by Nationstar staff not to worry about XX/XX/XXXX payment of {$5200.00}, to start XX/XX/XXXX with the trial payment of {$3600.00}. I paid on time all the 3 trial payments. Before that, I had never been late. XX/XX/XXXX, I was reported delinquent to the credit bureaux. My credit score went from XXXX to XXXX. I contacted Nationstar. They retracted it but never sent me documentation. Some of their staff told me they did n't report me. But again they reported me XX/XX/XXXX. 
My 2nd issue, I have n't been able to sign the mod agreement because they added my husband 's name to the loan. We are not legally divorced, but his name has never been on the mortgage and I am unable to locate him. I 've always held the mortgage alone and prior mod with XXXX had not been an issue. His name is on the deed. I was told by Nationstar it has to do with regulations from the town I reside in ( XXXX XXXX XXXX , NY ) I went to the town and was told that is not so. Any insight on this issue? All alone the 've been dealing with me and me alone. 
My credit score now is so low that I can ' even think of refinancing, because I do n't think Nationstar deserves my business. Also, the new terms of the loan is for 40 years when I only had 10 years left. I am XXXX now. I ca n't get them to write that there will be no pre payment penalty. I feel so lost now. 
Please help and advise. 
Thanks XXXX
Consumer complaint received 2015-05-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (TX)

ocwen mortgage refuses to do a loan modification on my loan. I have tried to get a modification on my loan XXXX times and I always get the answer of they can not do it. Loan is at 9 % way above normal rate. We are behind on mortgage they re fuse to help or use any of the gov programs.
Consumer complaint received 2023-07-31
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: Experian Information Solutions Inc. (IL)

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.

has violated my rights. Or 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 2023-07-31
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: EQUIFAX, INC. (IL)

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.

has violated my rights. Or 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 2024-09-09
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 am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX BANK XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-31
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 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 2023-08-13
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: Experian Information Solutions Inc. (TX)

XXXX XXXX an XXXX Company shared my information with XXXX XXXX  without my authorization or consent which led to me being denied credit my privacy was violated by XXXX XXXX  and it's inaccurate credit reporting because I also have no knowledge of the Auto loan with XXXX XXXX  I never gave permission for any of my personal information to be shared with anyone and my information has been shared with third parties more than twice it's a violation by federal law I have the right to fair credit reporting and right to privacy
Consumer complaint received 2023-08-13
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. (TX)

XXXX XXXX an XXXX Company shared my information with XXXX XXXX  without my authorization or consent which led to me being denied credit my privacy was violated by XXXX XXXX and it's inaccurate credit reporting because I also have no knowledge of the Auto loan with XXXX XXXX  I never gave permission for any of my personal information to be shared with anyone and my information has been shared with third parties more than twice it's a violation by federal law I have the right to fair credit reporting and right to privacy
Consumer complaint received 2023-08-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This bank of America claims department are criminals. Everyone I have spoken with have a criminal back rounded sould ot be at this bank and as you see on my RT respond they have said that my aims were closed and they were not said they have paid me.and that's not true because if they did why was re they open now. The latest after falsifying my whole account to. They now have taking pictures of me at Bank of America last year. And when I didn't have a bank of America Bank card but I did have a bank account with XXXX XXXX so I was going to Bank of America which I was living next door to to get money out of my XXXX account but they took the pictures from me being there getting money out of my XXXX  account and use it on my claims from 2020 and it had nothing to do with me getting money out of Bank of America account. They also have people on the pictures with me I have never seen a day in my life I don't know those people not guarantee you find out who those people they are they don't know me first my account not a falsifying pictures and lying about my pictures on my account I don't know what you guys job is and what you're supposed to do but I would assume you guys are supposed to help us I sent you all the evidence that this bank is falsified my account or Central evidence of this bank has done a whole lot of things that's against the law my next move is to file criminal charges against Bank of America and XXXX XXXX that you guys charged them to pay back to customers believe me they're not giving us anything so what are they doing with the money can y'all find that out too please thank you and they claim to know nothing about the injunction that was filed against them none of the supervisor or the employees and that's ridiculous when the injunctions it's rules they're supposed to be following I don't care if they know nothing about it or nothing they supposed to be following certain rules that judge XXXX put down for them and they're not doing any of it that's another crime they're committing one I guess they need to be reminded that no one is above the law I mean no one you commit the crime you do the time it's hard to trust someone that lies to you about their name in the state they were in every time they pick up the phone the first thing they do to us is lie how are y'all trusting these people with millions and millions and millions of people money and their criminals and liars and thieves and scammers it's only thing I got out of them
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I have contacted the two Collection Agency and the accounts have be paid in full. Please remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). The following names are on my XXXX report and I have disputed them and they have not removed it from my report. I have not used any of these names and I need it to be removed from my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Under the U.S.C 1681 section 602A, states that I have right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions.