davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (NC)

MY PURPOSE OF THIS COMPLAINT IS NOT TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DON'T TRY TO SAY THE ( FCRA ) DOES NOT APPLY TO YOU BECAUSE YOU ARE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MALES IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOT WITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16G2F ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO YOU! XXXX XXXX XXXX VIOLATED 15 USE 1681A ( 2 ) ( B ), 15 U.S. CODE 1681B ( A ) ( 2 ), 15 U.S. CODE 1681 ( A ) ( 2 ), 15 USC 1692J ( A ), AND 15 USC 1681E ( B ).
Consumer complaint received 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

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 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 2024-07-02
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. (MD)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-10-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc (NY)

I am writing to formally lodge a complaint against PayPal regarding their handling of a dispute I initiated with XXXX over a transaction that I believe was not resolved fairly. 

On XX/XX/year>, I purchased an item from XXXX using my PayPal account. Upon receiving the item, I discovered that it was not as described. Following the companys return policy, I promptly returned the item and initiated a dispute through PayPal. 

Throughout this process, I have submitted comprehensive evidence to support my claim, including : Detailed Description of the Issue : I clearly outlined the discrepancies with the item received. 
XXXX  Drop-off Receipt : This serves as proof that I returned the item in accordance with the companys return policy. 
Return Label Provided by the Company : I uploaded the label to verify that it was issued by the seller. 
Email Correspondence : I included all relevant emails exchanged with the company regarding the issue and return process. 
Tracking Information : The tracking number XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) shows that the item was shipped back to the company. 
Despite providing all the necessary documentation, PayPal decided in favor of XXXX, citing a " lack of information regarding the return. '' This conclusion is perplexing, as I have submitted all relevant evidence, including the return label, drop-off receipt, and tracking information. 

I feel that PayPal has not adequately reviewed the evidence I provided and has not fulfilled their responsibility to ensure fair resolution in disputes. The lack of transparency in their decision-making process has left me feeling frustrated and unsupported as a consumer. 

I kindly request that your office intervene in this matter to ensure that PayPal reassesses the evidence I submitted and provides a fair resolution. I believe it is vital for companies like PayPal to uphold consumer rights and to handle disputes with the diligence they deserve. 

Thank you for your attention to this matter. I look forward to your prompt response.
Consumer complaint received 2024-07-02
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. (NC)

Reporting Account XXXX XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may nod treat a payment on a credit card account under an open end 150 consumer credit plan as late for and purpose
Consumer complaint received 2024-07-02
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. (GA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-12-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (CA)

I received a notice from my flood insurance company on XX/XX/23 that my mortgage company, NewRez failed to pay our flood insurance from our impound account. As a result, our insurance policy was canceled. I called NewRez that day and spoke to a representative in the insurance department. She looked into the issue and confirmed that they neglected to make the payment and would have to have a new policy written. She acknowledged that she would get this done and I stated I would call back in a few days to confirm that NewRez ' error was corrected and our policy reinstated. 

I called back on XX/XX/23 and spoke to another representative in the insurance department. I was told that a check was sent for the new policy and that this check had cleared. She confirmed that our flood insurance was now reinstated. 

I then received another notice on XX/XX/23 from our flood insurance carrier that the payment for our policy was declined and that we were still without flood insurance coverage. When I called and spoke with the insurance department at NewRez that day, the associate was not able to determine what had happened and was not able to transfer me to speak with a supervisor to help resolve the issue. At this point, I called NewRez customer service. I explained the situation to the agent. He was unable to help me beyond sharing that he did show that there was an active flood policy and that it may be a lender-placed policy. I shared my frustration that we should not have to pay any premiums for a mistake that was made by NewRez. 

I then contacted my insurance company on XX/XX/23 directly and they shared that NewRex never reached out to get a new policy written as they originally claimed they had. They then worked to obtain a new policy and the premium increased for the same coverage by {$500.00} because NewRez allowed my old policy to lapse. 

I am now left paying extra, out of pocket because NewRez has impounded money from my mortgage payments and has neglected to resolve this issue or payment for which they are responsible.
Consumer complaint received 2024-07-02
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. (NY)

I am writing this letter to convey my deep dissatisfaction and disappointment with the manner in which your bureau has responded to my identity theft complaints. This issue encompasses not just the theft of my personal data but also the apathetic approach exhibited by your bureau in managing my situation. I provided all the necessary documentation such as the FTC report I filed with Federal Trade Commission to prove my innocence and the criminal nature of the actions. Despite the gravity of the situation and the profound impact it has had on my life, the response from your bureau has been alarmingly lackluster. I have received minimal communication regarding the status of my disputes, and the responses I have received were generic and unhelpful. This lack of attention and urgency has left me feeling ignored and abandoned by the very institution I relied upon to protect my credit and financial well-being. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-06
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 Information as Shown Below Must Be Investigated Immediately. 
Failure to Provide Adequate Details, Method of Verification, Accuracy of All Dates, Amounts, and other pertinent information will result in the immediate filing of formal complaints with the CFPB and the FTC. I reserve my right to sue you civilly in the court system, which will result in my seeking the maximum allowable penalty for each item. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I do recognize that you deal with an enormous amount of data, which led to the creation of the E-Oscar system, which is partly owned by all of the agencies represented in this letter. 
As per the Fair Credit Reporting Act of 1970, I am requesting that when responding to this dispute, you show the Method Of Verification you have used in determining the accuracy of the above listed information. I do not consent to the use of E-Oscar as a verification method. 
I am aware that the FCRA provides you ( 30 ) days to investigate these items, and ( 15 ) days more to provide me with your findings. I do expect that you will also provide me with an updated copy of my credit report. Upon completion of your investigation, which will show any changes or the lack thereof. I expect these results to include all information requested, including your method of verification. If you are unable to comply within the confines of the FCRA, I will expect all items to be promptly deleted.
Consumer complaint received 2023-12-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC (MD)

See CPFB Complaint # : XXXX. 

On XX/XX/XXXX, the company sent me the agreement for a deferment, as well as reporting the loan as current. ( See XXXX  XXXX ) Per the contract, {$16000.00} is deferred with the first payment of {$1300.00} due in XX/XX/XXXX with the next payment of {$1400.00} due in XX/XX/XXXX ( due to escrow shortage ). ( See SP XXXX, XXXX ) Multiple attempts to make a payment per the contractually obligated amount of {$1300.00} had been made. Shellpoint blocked me from being able to make any payment. ( See XXXX XXXX  ). 

On XX/XX/XXXX around XXXX XXXX, I called Shellpoint and was transferred multiple times over the XXXX minute call ( See XXXX XXXXXXXX XXXX 

I spoke to a supervisor, XXXX at Shellpoint, who said she was perplexed and confused as to why this was " reversed ''. She commented multiple times how there had been no notations left showing why this was the case and that comments are usually required. 

I was also told by XXXX the supervisor, that this was " escalated '', and that I would hear back from the point of contact - XXXX XXXX within 24 hours at the latest. 

To date, I received no response, no updates, and still have no way to pay my contractually obligated amount for XX/XX/XXXX, while my loan is being incorrectly reported as late/unpaid, instead of the contractually agreed upon - CURRENT stipulated and agreed upon by both parties. 

I've attached Shellpoint 's prior response showing all the details- the deferment agreement with consideration causing this to be a legally binding contract, the terms of the deferment that are legally binding, the block payment status on their site, the call log showing the duration of the outgoing call to Shellpoint as they made no attempt to inform me of them unilaterally revoking the agreement without reason or notice, and any other relevant info. 

I still maintain my original statement in my prior complaint - consumers need protection from such predatory and unethical behavior. This is a company deciding to go against a legally binding document, while attempting to foreclose in silence by way of their fraudulently deceptive practices of staying silent until the court foreclose even though we have a legally binding agreement. They refuse to accept my payment, and blocked me from being able to keep my end of the agreement. This is what corruption and fraud are- Shellpoint.
Consumer complaint received 2023-11-06
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)

Experian sold my personal information without my consent. 
I am getting barraged by home insurance scammers who are lying and stating that they are working with my financial company. 
I verified that this person is NOT who they say they are and they obtained all my personal information from Experian
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: Experian Information Solutions Inc. (GA)

On XX/XX/2023, XXXX XXXX XXXX report a new installment loan account to my Experian credit report with a balance of {$3100.00} with a monthly payment of {$5.00}. In XX/XX/2023, I applied for XXXX loan but was informed that I needed a co-signer in order to receive it. I could not identify a co-signer at the time so I never received the loan. I was shocked to receive an alert that the loan had been added to my credit report and I never received the funds nor completed the promissory process. I disputed the results with Experian on XX/XX/2023. XXXX emailed me on XX/XX/XXXX and explained via email that when I applied for the loan with them, " each month you pay {$5.00}, which we report to the Credit Bureaus as interest against a loan that is held on your behalf. These successful payments build up your credit history, helping to improve your score. Once the 24 months have passed, or if you decide to cancel/stop paying, XXXX is simply marked as paid in full ''. They claim that this service is optional, but I was unaware when I applied online and never received a receipt for these {$5.00} payments so do not recall ever making such a payment. Even though I cancelled the XXXX XXXX service, XXXX told Experian that the {$3000.00} loan should " Remain '' on my credit, which is completely inaccurate. Having an installment loan reported in this amount and I have never received funds for a loan is misleading and negatively impacted my credit score.
Consumer complaint received 2023-12-19
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: ENCORE CAPITAL GROUP INC. (NC)

I became XXXX  XXXX in XXXX. The XXXX account I had was supposed to have protection for this. I paid a monthly fee for this coverage. 
Midland Credit management contacted me on behalf of XXXX this year. I was too sick to argue about the Credit protection so just set up a payment plan with Midland for XXXX a month since I'm on XXXX XXXX and can't afford much. Midland Credit took {$880.00} out of my bank WITHOUT my permission. Our agreement was for XXXX a month. Luckily I caught the charge and called my bank, who then reversed the charged and blocked any further withdrawals from Midland. I had to cancel my debit card. I reported them to the credit reporting agency for stll showing a delinquent balance on my credit report, and the decision was in my favor. Yet they are still showing up on the other two agencies as delinquent. Since they tried to steal almost my entire XXXX check when our agreement was XXXX a monthI refuse to pay them a XXXX. It should have been covered in the first place but even when I tried to go ahead and pay in small amounts what I could, Midland tried to steal almost XXXX out of my bank. Please make them take themselves OFF all my credit reports and cancel this debt. This insanity has not only imcreased my health problems, but I also have severe XXXX XXXX XXXX XXXX and I have been a complete walking nervous breakdown. Please fix this for me before I jave to hire an attorney I can't afford Thank you, XXXX XXXX
Consumer complaint received 2023-11-06
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)

According to the Fair Credit Reporting Act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX account # XXXX.15 U.S.C 1681 section 602 A states i have the right to privacy 15 U.S.C 1681 section A section 2 : It also states i consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information.Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-01
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. (TX)

I PULLED MY EXPERIAN CREDIT REPORT AND NOTICED AN FRAUDULENT INQUIRY THAT DO NOT BELONG TO ME. 


In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights.

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

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-11-06
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. (FL)

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

Under 15 U.S.C 1681 Section 602 states I have the right to privacy.

Under 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.

Under 15 U.S.C 1666b : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

The account XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX DATE OPEN XX/XX/XXXX XXXX {$49000.00} has inaccurate and incorrect information. Experian is showing a date reported XXXX XXXX when XXXX is showing a date reported XX/XX/XXXX. This information is inconsistent. Please see attachments for verification. I would would like for this account to be removed from my credit report because it is not following the rules or guidelines for the consumer credit reporting.
Consumer complaint received 2023-11-06
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)

XXXX ( formerly, XXXX XXXX XXXX ) had transferred all of my ( XXXX ) federal student loans in XX/XX/2023 and received payoff confirmation. Account balance is XXXX and accounts closed ; however, XXXX still has NOT reported this change to credit bureaus as of XX/XX/2023. Since then, I have paid off a number of loans with the new servicer XXXX in XX/XX/2023. 

I've made several attempts to reach XXXX over the phone, email, and portal to resolve their inaccurate credit report. After waiting a reasonable amount of time without a response, I filed disputes with credit bureaus ( attached payoff confirmations, statements, and screenshots ). 

XXXX continues to deny the loan balance change and has certified to Experian ( and other credit bureaus ) that the information is accurate. This results in a false loan balance from XXXX, who has not updated the credit report since XX/XX/2023.