davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-26
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: Shellpoint Partners, LLC (CA)

Shellpoint mortgage servicing increased escrow accounts by 40 % this year based off of false information regarding my property taxes. I appealed with them several times and they will not reduce my impounds back to where they were. Furthermore, the actual mortgage originator and shellpoint mortgage servicing told me that my impounds would only last for 6 months. Also, my escrow balance is very high, too high based off of the increase in escrow.
Consumer complaint received 2024-08-07
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. (IN)

Today, I found unauthorized inquiries on my credit report, which is baffling. After refreshing my browser to rule out a malfunction, the discrepancies persisted. I urgently request a thorough review of the documents I've provided to prevent this from happening again.
Consumer complaint received 2024-09-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AR Resources, Inc. (FL)

I became aware of the matter when I was notified of a change in my credit report. To my knowledge, I have never been contacted or billed by the company alleging that it provided me with services nor the debt collector and I do not live in the county where the company appears to operate ( XXXX ). My credit has been impacted by an alleged debt that I know nothing about. If this is a legitimate debt and had I been contacted or billed, I would have paid the amount in full promptly. A company should not be permitted to pursue collections without billing the customer or contacting the customer about the bill. Information online regarding the company suggests that others have been billed or taken to collections for services they never asked for or received.
Consumer complaint received 2024-06-29
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. (TX)

I discovered multiple unauthorized ( XXXX ) hard inquiries on my consumer credit report, which I did not initiate. These inquiries are in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ), which prohibits furnishing reports for credit or insurance transactions not initiated by the consumer without their authorization or a firm offer of credit or insurance. 

The unauthorized inquiries listed are from entities like XXXX XXXX XXXX, XXXX, and others, all dated XX/XX/year>. Under the FCRA 15 U.S. Code 1681n ( b ), I am entitled to actual damages or {$1000.00}, whichever is greater, plus potential punitive damages due to these violations. 

I have already submitted XXXX XXXX to the Consumer Financial Protection Bureau and the Federal Trade Commission, demanding these inquiries be removed from my report. I've attached relevant documents including my ID, utility bills, rent statements, my Social Security card, a copy of my Equifax credit report with the fraudulent items highlighted, and a copy of my complaint to the CFPB. 

I expect a prompt response confirming the receipt of my letter and an update on the removal of these inquiries from my credit report as per the legal requirements of the FCRA. Thank you for addressing this urgent matter swiftly.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

I have provided my photo ID along with the other required documents. 
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. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2023-11-06
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. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CO)

I am writing to follow up on my previous communications and attempts to have fraudulent items removed from my account. Despite making this attempts to resolve this matter, the fraudulent items remain unaddressed. My initial attempt to correct this issue was made on [ date of first attempt ], and since then, I have consistently provided all necessary documentation and information as requested. Here is a summary of my attempts : Despite these diligent efforts, the fraudulent items remain unresolved. This lack of resolution is causing significant distress and inconvenience, impacting my financial standing and peace of mind. I expect to receive a response within exact timeframe from the date of this letter. Should this matter remain unresolved, I will have no choice but to escalate my complaint to the appropriate regulatory bodies and consider legal action to protect my rights. Kindly help me remove the following items immediately : XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX  XXXX Balance : {$1700.00} XXXX XXXX  XXXX Balance : {$2500.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX : {$1700.00} XXXX XXXX  XXXX Balance : {$2500.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} 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 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (VA)

15 U.S. Code 6802 - Obligations with respect to disclosures of personal ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section. CFPB XXXX XXXX HAS VIOLATED MY RIGHTS, SHARING OF MY NON PUBLIC INFORMATION WITH MIDLAND CREDIT MANAGEMENT.
Consumer complaint received 2023-11-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , REMOVE ALL information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX for {$530.00}, an EDUCATION loan account opened at DEPT OF ED in XX/XX/XXXX under the account number XXXX for {$6700.00}, a second DEPT OF ED loan under the account number XXXX for {$3700.00}, and a collections account opened at DIVERSIFIED ADJUSTMENT for XXXX opened on XX/XX/XXXX with a balance of {$960.00} Acct # XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. This has caused me denials for multiple lines of credit and resulted in financial harm. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-06-27
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. (CA)

I contacted XXXX Customer service on on XX/XX/year> to inform them that my account is still showing as open on my XXXX credit report. They state that my account is completely closed. They asked me to contact XXXX credit Bureau. I immediately end their call and contact XXXX whom informs me that XXXX verified that my account is accurate meaning I have an open account with a XXXX balance. Both financial services are creating harm to my credit worthiness by blatantly violating the laws and intentionally reporting false information on my account.
Consumer complaint received 2024-06-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (FL)

On XXXX XXXX  2024 PNC Emailed me at XXXX XXXX  that my account was low on cash. When I logged in I noticed all my accounts had an available balance of XXXX dollars. I called and PNC fraud informed me there was breach of my account number and that I needed to open a new account. On the morning of XX/XX/XXXX I made a XXXX $ internal transfer from an account ending in XXXX to XXXX which should've been instant. It is XX/XX/XXXX and I see a transfer done and labelled as MISCELLANEOUS TRANSFER with the amount of XXXX XXXX Unfortunately I want to close my account in full and now PNC is telling me I can't because of that transfer THEY originated. I took screenshots of their online banking system showing the XX/XX/XXXX transfer I did was completed in full hence why there shouldn't be ANY pending transactions.
Consumer complaint received 2024-06-11
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)

Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report.These remarks have been detrimental to my life and credit health.
Consumer complaint received 2024-08-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc. (KS)

IN XX/XX/XXXX NCB MANAGEMENT BEGAN REPORTING ON MY CREDIT REPORT AN ALLEGED DEBT OF XXXX, THEY HAVE FAILED TO PROVIDE DEBT VALIDATION WITHIN 30 DAYS AND NCB HAIS FAILED TO RESPOND TO MY DEBT VALIDATION REQUESTS SENT TO THEM IN XXXX. IN XXXX I WROTE NCB INFORMING NCB, I REFUSE TO PAY THE ALLEGED DEBT AND TO CEASE EMAILING ME.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS (OH)

I received a renewal notice dated XX/XX/2024 from my automobile insurance company ( XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX ), It said it was raising my monthly premium from approximately {$67.00} to {$98.00}, based on consumer reports provided by LexisNexis Risk Solutions, Inc. ( XXXX XXXX XXXX XXXXXXXX, XXXX, GA XXXX XXXX, XXXX XXXX XXXX  ). It said that under the Fair Credit Reporting Act, I had the right to request a free copy of the report within 60 days of receiving the notice to dispute the accuracy or completeness of the infrmation. I immediately went to the online address given and submitted a request for a copy of their report. 
I never received XXXX. So I telephoned and filled out a request for a copy of the report over the phone. 
I received a letter from LexisNexis dated XX/XX/2024, It said it was unable to authenticate my identity and therefore can not process my request, It gave several reasons why the authentication process may have been unsuccessful, none of which applied to me. They had no problem with any of my answers when I was filling out the application. It gave items of information it needed to assist in the authentication of my identity, all of which I had provided to them twice. 
I think they just don't want to send me a copy of my report.
Consumer complaint received 2024-08-02
Product: Prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Neon Newco Corporation (LA)

I received a Netspend card and activated under the impression that it was sent from the government for my benefits. The following week, the government advised me that they did not send the card once I questioned them about the benefits not posting. I called Netspend to cancel the card and I keep getting placed on long holds and having to repeat why I dont want a card I never applied for in the XXXX  place!
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

Please remove all iquries from my creidit report. 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 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
Consumer complaint received 2024-06-11
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. (PA)

I am filing a dispute to have these accounts investigated for wrongful reporting on my credit file. Under the Fair Credit Reporting Act, I should receive {$1000.00} for each incorrect entry. I know FCRA 605B obligates us to report any incorrect accounts on a consumer 's report.
Consumer complaint received 2024-06-11
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. (PA)

I am submitting a report to challenge and investigate the wrongful reporting of these accounts on my credit file. The Fair Credit Report Act states I should receive {$1000.00} for each mistake. FCRA 605B obliges us to report any inaccuracies found on a consumer 's report.
Consumer complaint received 2024-08-07
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 is a request of the steps that your company took when investigating the disputed item. Please send me a detailed explanation of how you obtained these results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-11
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)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX  - XXXX "
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
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: Experian Information Solutions Inc. (AZ)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2024-07-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I have received your computer-generated notice informing me that you did not do any action or investigation for the disputes I sent out last time because you think I may have used a third-party credit repair company. Not only do I think this is just your delaying tactics to get an extra 30 days to fulfill my first request, but I also think it's a clear violation of the Fair Credit Reporting Act. Again, please be informed that you are reporting inaccurate and incomplete information on my credit report.