davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-11
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. (IN)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Consumer complaint received 2023-10-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Lien release
Company: Caliber Home Loans, Inc. (CA)

I had a mortgage loan with Caliber Home Loans for my primary home a few years ago. The experience with the mortgage company was the worst I have had and was riddled with unprofessional customer service and deceptive claims, including a guarantee to refinance my loan at a lower rate, only to then be immediately denied denied after verbal and written assurances by the company. 
I ultimately, and thankfully, refinanced my loan with a different mortgage company in XXXX of XXXX. I received, and have, documentation, that my loan was paid in full with a payoff date of XX/XX/2020. 
They did not refund me my last mortgage payment, which went through after the loan was paid off by the new mortgage company, despite my calling and spending hours on the phone telling them that there was an overpayment due to their charging me the last mortgage payment after the payoff. 
A few months ago, I received a letter saying the overpayment checks have not been cashed ( because I never received them ) and I had to complete 2 forms stating that the amount is still owed and I want a replacement check. Both forms were sent five months ago ( attached in documentation ) and I still have not received the {$1500.00} check in overpayment, which is LESS than my original overpayment amount that I disputed with them in XXXX, which was over {$3000.00}. 
To add insult to injury, I have received 3 letters ( one which was sent by certified mail ) stating that my mortgage payments to Caliber Home Loans ( who I have not had a loan with since XXXX of XXXX  ) are delinquent and my home may be foreclosed. 
The letters were received last week and this week ( included in attached documents with dates included ). 
The bottom of one of the letters states it is an attempt to collect a debt.

They also sent me a loss mitigation application.

This company has been utterly unprofessional, inept, deceptive and failed to refund me my mortgage overpayments despite multiple attempts ( by both phone and letter ) throughout my home 's unfortunate but short lived tenure with them and now they are threatening foreclosure on my home for a loan that has been paid in full ( overpaid ) for three years.
Consumer complaint received 2024-08-05
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. (CA)

This account was reported as a collection on the following XXXX I lost my wallet which had all my personal information years ago Ive been expieriencing things like this, I have no knowledge of this acct. 
This inaccurate information falsely manipulates the statute of limitations. Therefore has violated my rights. I am demanding a deletion of the following account : Accounts Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NJ)

My XXXX account and XXXX  were compromised XXXX XXXX. Phone ordered, and a XXXX credit card was requested by a phisher through XXXX XXXX  cards. XXXX crazy XXXX. I did not know that existing banks and creditors can review credit report anytime, even with freeze, to make offers unless you elect " Opt Out ''. I did and offers continue. At least XXXX XXXX calls with people trying to get my zip code especially - no way! I had placed freezes with all reporting bureaus several years ago through premiere XXXX. When I went to their sites, all sites said my freeze was temporarily lifted until XX/XX/XXXX. I did not do that. Experian ( XX/XX/XXXX call transaction XXXX ) states that they have 5 days to notify me of a freeze lift - I never got a " heads up '' from them. This is so wrong. No one ever explained this to me- apparently legal minimum. Lots of fraud can occur in those 5 days - license to steal. XXXX and Experian notified me of credit card filing, but not freeze lifting. XXXX is slow to the party on everything. I put a lock on XXXX, but you have to pay extra to do that on XXXX and Experian. Clearly reporting bureaus are part of the problem. When XXXX and businesses can notify me right away of changes ... what is XXXX 's problem? It does not take 5 days!
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

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.

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 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

*Disclaimer* I do not acknowledge ownership of this debt*! The account in question -- XXXX XXXX XXXX Account number XXXX reports a balance of {$3100.00} and is marked as a charge-off. However, this company is continually re-aging the account and adding FICTICIOUS payments. The most recent alleged payment is shown as occurring in XX/XX/XXXX, which is impossible as I have no access to or ability to make payments on this account. A simple investigation will reveal that this payment did not come from me and I highly doubt that the fraudster would come back years later and randomly make a payment. That only leaves one option, which is that the bank is re-aging the debt through inaccurate reporting. 

I request that this account be deleted from my credit report immediately as it has surpassed the 7-year mark from delinquency. The last actual activity on this account is reported as having taken place was XXXX. Therefore, it qualifies for removal. It is unfair and illegal for me to be penalized for over XXXX  years for an account that was opened nefariously in my name. 

I have been patient in waiting for this account to age off my report, and the practice of re-aging debt is both illegal and immoral. I urge the CFPB to take immediate action to ensure this account is removed from my credit report.
Consumer complaint received 2023-09-05
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. (NY)

I am sending a follow up compliant to the XXXX XXXX for the removal of remaining fraudulent inquiries, and an urgent request of inquiry removal to the Equifax Credit Bureau. I need the Equifax Bureau to remove them as soon as possible. I am requesting an assistance from CFPB to please help me in solving these issue, by making sure that the XXXX and Equifax Credit Bureaus to remove these inquiries listed in these compliant : 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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

To whom this may concern, my name is XXXX XXXX XXXX XXXX and I've decided to write this report on my own behalf. According to the Federal Credit Reporting Act ( FCRA ) codes, 15USC 1681-2 ( a ) ( 1 ) & ( a ) ( c ) and 15 USC 1681-B the accounts listed in this report should not be reflected on my credit reports as they directly violate my rights as a federally protected consumer. According to these codes listed in my statement, it is Non permissible for a creditor to report anything under any circumstances, without the proper authorization and prior written approval and instructions from me. No consent constitutes identity theft. So, as a federally protected consumer, I am exercising my rights and demanding the immediate removal and deletion of the listed accounts in this report.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AZ)

The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of XXXX, and I earnestly hope for a swift resolution.
Consumer complaint received 2024-07-12
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. (IN)

I am writing to express my deep concern regarding the disputed accounts on my credit report. Despite my repeated efforts to raise the issue of inaccuracies and request thorough investigations, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. 

The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. 

With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. 

Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-07-11
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. (IL)

I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.
Consumer complaint received 2024-10-30
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. (NC)

In XX/XX/XXXX, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2. # # # Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency XXXX only furnish a consumer report with the explicit authorization of the consumer. The follorwing inquiries were made without my authorization : Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX - XX/XX/XXXX These inquiries were unauthorized and are negatively affecting my XXXX XXXX. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit report. Collection Accounts : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Despite providing all the necessary documentation and complying with the required procedures, the credit reporting agencies have failed to remove the fraudulent items within the legal time frame. These errors have negatively impacted my XXXX XXXX and have created undue hardship for me. I am seeking your assistance to ensure that these fraudulent items are permanently removed from my credit report and that the credit reporting agencies comply with the obligations set forth by the Fair Credit Reporting Act ( FCRA ). This description provides the CFPB with the details they need to address your dispute. Make sure to adjust the placeholder fields like dates and amounts to match your specific situation. Let me know if you need further modifications!
Consumer complaint received 2024-07-11
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. (TX)

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 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

My account with XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-07-11
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. (SC)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States 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 written instructions
Consumer complaint received 2023-07-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (CA)

I am here to figure what I could do to repay my debt from Wells FragoXXXX XXXX XXXX XXXX XXXX XXXX My checkings account was open many years ago by father who I no longer talk to, I didnt receive any information about my account being close due to my old email being hacked/used by another individual so I switched to my a new one during the time period. I want resolve this issue as soon as possible because it is affecting me negatively. I could not pay the full amount due to being laid off and other court issue I had to pay. But Im willing to setup a payment plan so I could remove any debt to my name.
Consumer complaint received 2024-07-11
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. (NC)

I OBTAINED ANOTHER COPY OF MY CREDIT REPORT AND NOTICED ANOTHER ACCOUNT THAT I HAVE NO KNOWLEDGE OF HAS BEEN ADDED TO MY ACCOUNT. I CONTACTED THE CREDIT REPORTING AGENCIES BY PHONE AND CERTIFIED MAIL. I REQUESTED THAT THE ACCOUNT BE VERIFIED, AND THIS ACCOUNT IS UNVERIFIABLE BUT STILL BEING REPORTED TO MY CONSUMER PROFILE. 

I HAVE NO KNOWLEDGE OF THIS CREDITOR AND HAVE NOT GIVEN WRITTEN CONSENT FOR THIS TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681.

FURTHERMORE, REPORTING ACCOUNTS DUE TO IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2.

REPORTING FRAUDULENT ACCOUNTS IS SEVERELY IMPACTING MY CREDIT AND THE CREDIT REPORTING AGENCIES HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY. REPORTING AN UNVERIFIED ACCOUNT IS IN VIOLATION OF 15 USC 1681 EB
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NY)

RE XXXX XXXX BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXXXXXX XXXX Incorrect Name : - XXXXXXXX XXXX XXXX Incorrect DOB : - XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX Employer - XXXX XXXXT Employer - XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX Listed below are the Accounts that are being challenged XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Consumer complaint received 2024-09-27
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: EQUIFAX, INC. (FL)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.