davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-04
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. (OH)

These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my 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
Consumer complaint received 2024-10-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (CA)

My homeowners insurance policy was set to expire on XXXX XXXXXXXX XXXX. My mortgage company mailed a check to pay for the policy on XXXX XXXX, the policy was cancelled and the insurance company said they could not reinstate it, I would have to apply for a new policy. I applied and the new policy is {$750.00} more per year for less coverage. 
My mortgage company says there is nothing that they can do, but they were very sorry.
Consumer complaint received 2024-10-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Fay Servicing, LLC (IL)

I opted out of escrow with Fay Servicing in XX/XX/XXXX. On XX/XX/XXXX, my insurance with XXXX  ( policy number XXXX ) renewed and a bill was sent to Fay. Fay did not respond to the bill to inform XXXX that they should send the invoice to me for payment since I had opted out of escrow. Fay did not pay the invoice, and my policy was closed as a result. In XX/XX/XXXX, I received a letter from Fay indicating that they had purchased insurance on my behalf for a premium roughly 3x market rates. I then worked with my insurance broker to understand what happened and issue a new policy, effective XX/XX/XXXX. Through multiple conversations with my broker and XXXX, I learned that XXXX expected Fay to notify them that I had opted out of escrow and that they should update their billing information to send the bill to me. This never happened and I never received a bill to pay. I understand that Fay is required to ensure the property is covered by insurance, and that they bought this policy to cover that obligation. However, given they are at fault for the billing failure that resulted in the termination of coverage, they should pay the premium associated with that policy.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NJ)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX  emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (GA)

" 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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXXk account [ XXXX - XXXX, XXXX XXXX - XXXX, XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX - XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-09-05
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)

To whom it may concern, I am writing to you because there are some negative items in my credit profile, but I have not confirmed or accepted that these are accurate. I dispute these claims and demand that any negative information be removed from the reports immediately. The claims that this information in my report is negative, untrue, incorrect, incomplete, untimely, and not verifiable are unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. After reviewing my report, there are several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I refute your allegations and challenge you to provide proof that you have the right to report this incomplete negative information about me. Document that you have complied with the reporting requirements, and report without any deviations. If you have not complied with the requirements or there are any negative aspects below that have been challenged, you must remove them from my report. Per 15 U.S.C 1681e Whenever a consume reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. 
PLEASE DELETE THE FOLLOWING ACCOUNT THEY ARE IN ERROR : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (GA)

I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( F DCPA ), I request the following information. 
1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt. 
s. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

I am writing to formally dispute multiple inaccuracies found on my credit report. After conducting a thorough review of my credit file, I have identified several accounts that do not belong to me and were fraudulently opened using my personal information. I believe I am the victim of identity theft, and I am requesting the immediate removal of these items from my credit report. 
The following accounts were fraudulently opened and are inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts were opened by an individual or individuals who used my stolen identity. I have never provided my personal information for the purpose of opening accounts with any of these institutions. Therefore, I do not recognize these accounts, nor do I have any knowledge of their origin.
Consumer complaint received 2024-09-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (CA)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-09-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc. (OK)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (TX)

On the day of XX/XX/XXXX i used the atm at a XXXX XXXX XXXXXXXX XXXX XXXX ATM. I currently bank with chime bank. During the transaction, which was a withdrawal for {$400.00}, first it took the atm about 5 min to even release my atm card, then i asked the XXXX employee is its something wrong with the atm he said he dont know cus he doesnt use it, then once it finally came out i waited an additional 15 tro 20 min trying to see why my money didnt come out. The manager at the time at the XXXX  gave me XXXX XXXX XXXX phone number then they instructed me to do a dispute with my bank because they couldnt do anything about it because I didnt bank with them. I did my first dispute on the XXXX and since then it has been denied 4 times. The information they sent me clearly stated from XXXX XXXX XXXX that they never received the credit for my transaction and showed it was an atm error but still chime is deciding to deny my claim and say no error was made. The last time i appealed it i spoke with a manager that did it and after looking at the documents he himself even was confused on to why my claim is getting denied. I tried to do a police claim so they can run cameras and the non emergency police was XXXXXXXX XXXX me saying that Ive already gotten the money probably and thats why my claim is being denied. Poor excuse for a public servant and i will also do a complaint with the XXXX pd for the behavior of their officicers. In this day and age {$400.00} is a lot of money and i will not a stop until i get whats mine and at this point I deserve more for all the time and effort put into simple doing your job instead instead of stealing from a loyal customer.
Consumer complaint received 2024-10-16
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Federal Credit Control, Inc. (FL)

I have brith to my daughter vaginally, after I received a bill for a c-section I explained to the doctors office billing that I did not have this procedure she said it was the same cost. Additionally, I received a EOB from my insurance company XXXX that Im not responsible for this debt. This EOB was sent to the doctors office and creditor. The creditor still proceeded to send the bill to collections.
Consumer complaint received 2024-10-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY (OK)

I financed the purchase of a townhome unit as a single person with XXXX XXXX  for the following address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Oklahoma XXXX Shortly after the sale XXXX XXXX  transferred servicing rights to Wells Fargo Home Mortgage. For over 20 years I made mortgage payments to Wells Fargo, including two mortgage modifications. 

In XX/XX/year> I was served with a foreclosure summons listing as owner ( s ) : XXXX XXXX XXXX. Also listed as owners of the property at XXXX XXXX XXXX XXXXXXXX XXXX XXXX  were unknown parties and banks with no relation whatsoever to the ownership of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OK XXXX. The unknown parties included XXXX XXXX and banks not related to my financing agreement with XXXX XXXX. 

After receiving the foreclosure summons in XX/XX/year>, I contacted Wells Fargo and requested a loan modification. The modification was denied. The judicial foreclosure record with XXXX XXXX XXXX XXXX confirms the foreclosure proceedings involved XXXX XXXX and banks not related to my financing agreement or mortgage. 

The foreclosure was granted without corrections to title or ownership. I was forced to leave my home of 20 years in XX/XX/year>. 

I am filing this complaint because Wells Fargo committed foreclosure fraud by taking my home with a clouded title. I have no relation to XXXX XXXX, and have no relation to any of the banks in the foreclosure action presented as valid and legal in XXXX XXXX XXXX XXXX in XX/XX/year>. 

Wells Fargo failed to perform due diligence required in foreclosure actions, including providing the Court with clear title listing the correct owner ( s ), and financial institutions. However, Wells Fargo did not provide XXXX XXXX XXXX XXXX with valid legal documents and instead gained an invalid foreclosure on a clouded title. 

By this Complaint I am requesting Wells Fargo address the unlawful taking of my home on a clouded title and return same to me with damages.
Consumer complaint received 2023-04-18
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: EQUIFAX, INC. (UT)

In accordance with the fair credit reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions. 
In accordance with the fair credit reporting act XXXXXXXX XXXX XXXX  Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions. 
In accordance with the fair credit reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions. 
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions. 
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions. 
In accordance with the fair credit reporting act XXXX Account XXXX, has violated my rights. 
15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (CA)

I'm a XXXXXXXX XXXX XXXXXXXX XXXX. I'm having trouble moving where I currently reside, I've filed complaints, but, because of my credit score, Im having difficulty in moving. So, I felt that I needed to see a copy of my credit report. I chose Experian, since they own the other two reporting agencies anyway!

I just queried Experian online to request my free annual credit, which they in turn supplied to me, online. However they tried to FORCE me to create an account with Experian before I could see my actual SCORES. The membership will then require a NEAR future pmt in order to stay active!!!

Consumers are legally entitled by the federal government, on a yearly basis, to see their SCORES FREE!!! Experian deliberately makes it difficult, if not IMPOSSIBLE, to access a consumers actual scores!!! 

I want my Credit Scores from these XXXX, without ANY deviousness!!! 


Please help me, and thanks in advance for your efforts, XXXX XXXX XXXX
Consumer complaint received 2024-09-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TN)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NJ)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX,
Consumer complaint received 2024-09-05
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)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-08-28
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. (AZ)

This is the several times I've complained about being a victim of identity theft. You must remove any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX