davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

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 2024-06-28
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. (PA)

I became aware of an account with a negative effect on my credit report. I initiated a dispute with a statement. Experian refutes my dispute without an explanation from the creditor. This is a totally unfair practice. 
I co-signed a rental lease for my daughter. Per the lease agreement, my name should have been removed after the first year of lease. There were no late payments or additional fees until XXXX when the entire country was greatly affected. Since she was alone in XXXX XXXX, she vacated the premises to move back home with the family in XXXX, after approval from the leasing office because of " a natural disaster ''. She labored to clean the apartment and left it without debris. There was no further communication from the Leasing office. I was not aware of any issue until I checked my credit report recently. 
I started a dispute that goes nowhere.
Consumer complaint received 2024-06-28
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. (GA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-06-27
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)

This account does not belong to me as you will see below the other two bureaus have already removed this inaccurate account from my credit report.Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain accurate and up-to-date information on consumers ' credit reports. This account is erroneous and is negatively impacting my credit score and financial standing.I request that you investigate this matter promptly and remove the disputed account from my Experian credit report. Additionally, please provide me with written documentation of the results of your investigation, including any corrections made to my credit report. Enclosed are copies of documents supporting my dispute. According to the FCRA, you are required to investigate and respond to my dispute within 30 days of receipt. I kindly request that you expedite this process to ensure timely resolution.
Consumer complaint received 2023-11-21
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. 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 2019-08-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SUNTRUST BANKS, INC. (NY)

The mortgage company made a payment to the town for past due taxes. Unknown to me that this was done until after the fact. They have now increased the mortgage to a payment beyond a reasonable amount. I applied for a loan modification and the payment is still not reasonable. I was approved by XXXX XXXX for a non interest loan to pay the past due taxes. My representative has attempted to obtain a statement from the mortgage company to state what was paid on the past due amount so that we can reimburse the mortgage company. I have also attempted to get this from the mortgage company and after daily calls since XX/XX/XXXX, the mortgage company states they can't provide a statement showing what they paid for past due. They have stated their records only go back to XX/XX/2019 when the payment was made XX/XX/XXXX. 
I have spoken with supervisors in the mortgage department, customer service, Tax department and the escrow department. Have had no resolution to obtain a document. 
If this is not addressed immediately, I may loose the state loan and will also be put in a position of foreclosure on my residence. I am making my standard mortgage payment and the mortgage company is refusing to apply it to my mortgage amount. 
Phone calls are XX/XX/19, XX/XX/19,XX/XX/19, XX/XX/19, XX/XX/19 ( 2 hours on phone ), these are the calls I have documented which are not all calls made to the mortgage company. The state also made several calls to the company. Suntrust Mortgage, XXXX
Consumer complaint received 2024-07-17
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 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 2024-08-21
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: CAINE & WEINER COMPANY, INC. (NJ)

XXXX XXXX XXXX of birth XX/XX/XXXX I am writing to request a correction of the following information that appears on my [ XXXX, XXXX, XXXX ] consumer report : XXXX /Creditor Information XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX Balance {$570.00} Highest Balance {$570.00} Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Account status Open Type Derogatory Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX IN Closed No Info XXXX Information XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX Balance {$560.00} Highest Balance {$560.00} Opened XXXX XXXX, XXXX ( XXXX yr, XXXX mos ) Account status Open Type Derogatory Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX  Closed No Info XXXX Information CAINE & WEINER XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ( XXXX ) XXXX Balance {$130.00} Highest Balance {$130.00} Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Account status Open Type Derogatory Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX  Closed No Info
Consumer complaint received 2024-08-21
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BMO Bank, N.A. (TX)

A savings account was opened at XXXX in XXXX, WI on XX/XX/XXXX online in my name. The fraudster contacted me via phone at XXXX to thank me for opening an account online, when I told them I did not open an account, I was asked me to state my name and address. I then reached out to BMO via phone on XX/XX/XXXX at XXXX and shared what had just happened, they put me in touch with the fraud department and I told them the account was fraudulent and requested an account closure. XXXX shared they would look into the account issue, but did not close the account as requested. I received a notification from BMO on XXXX stating there are XXXX accounts opened in my name and BMO is stating they have a loan they believe was opened properly and they have still not closed the savings account as requested. I shared that I was a victim of the XXXX & XXXX XXXX breach and the account was opened fraudulently. Additionally, I had my credit locked and frozen so XXXX should have closed the savings account and not allowed loan accounts in my name. Further, I called XXXX again on XX/XX/XXXX after receiving the notification of the additional accounts including a loan. In the letter I was told I needed to file a police report and include the BMO account that was opened as a result of the identify theft, but they were not willing to share the information I needed from their institution so I can file the necessary reports to insure proper reports can be filed and my identity issues do not continue.
Consumer complaint received 2024-08-13
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (AZ)

We had bought the vanilla Gift card from XXXX store and we had tried to use over different merchants online and it seems that card transactions are getting decline despite having balance and active status. We had tried multiple times to call them and there is no option for talk to customer care. We are very dissatisfied with the services.
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX is an account that has been reporting incorrect information. When Experian was notified they sent a letter in response asking for verification of address. before verification was even sent they closed the dispute. When called them said the account was updated didnt list how it was or in what manner. Account still has no information that relates to me as a user. All personal information on account does not match any XXXX address Ive ever resided at. All information ok account does not match XXXX file. When asked how dispute was ran they stated we asked the company and they said it was correct. Verbally stating they did not actually run dispute. This has been the XXXX situation theyve not ran the dispute and had to come back and remove a file after fraudulently claiming they ran a Dipsute at FCRA standards. They have continuously stated they have but will not actually run dispute correctly unless legal actions are taken against them. They have XXXX validation for debt as their source lexusnexus has no information for debt.
Consumer complaint received 2024-08-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (AL)

NOTICE : FORMAL COMPLAINT PLEASE DO NOT CLOSE MY ACCOUNT UNTIL A FULL INVESTIGATION HAS BEEN CONDUCT MAJOR CONCERN. THIS IS NOT THE SAME OR SIMILAR CONCERN AS REPORTED EARLIER. T I am writing to express my serious concerns regarding several issues with my mortgage account with XXXX ( XXXX ) dba XXXX XXXX XXXX. As a private XXXX XXXX who has invested thousands of dollars on XXXX : to include XXXX, I am an investor. I have discovered troubling discrepancies and suspect potential fraud. 

XXXX. Breach of Trust and Fraud Concerns : I have recently discovered that XXXX, ( XXXX ) despite its assertions in SEC and XXXX reports that my payments would not be sold on the secondary market, has potentially violated this assurance. This is in direct breach of trust and potentially constitutes security interest/instrument fraud. I request an immediate investigation into these concerns, including a full accounting of how my payments have been handled and if there have been any conflicts of interest. 

XXXX. XXXX XXXX XXXX : I have tendered special deposits on XXXX occasions, including XXXX in {$21.00} in XXXX XXXX, a {$2.00} XXXX, and a {$1.00} XXXX XXXX XXXXXXXX XXXX Despite providing notices and evidence of tendering these deposits to XXXX XXXX Bank, the special deposit was not processed correctly. XXXX communication indicated that they do not accept currency and warned of potential legal action, which I find unjustified. 

XXXX. Insurance Fraud : I am concerned about potential investment fraud and conflicts of interest involving XXXX XXXX and XXXX XXXX, particularly since I have XXXX thousands of dollars in XXXX XXXX. It appears that there may be a collaboration between XXXX XXXX, the alleged mortgage company, and insurance fraud. I request a thorough investigation into these matters and an explanation as to why funds were not applied to my insurance policy. 

XXXX. Investment Concerns : As an investor in XXXX XXXX XXXX, I am also seeking verification of the accuracy of the investment amounts and potential conflicts of interest related to my investments. I request to see a detailed copy of the full accounting ledger related to my investments with XXXX XXXX, XXXX, and XXXX. 

XXXX. Breach of Trust and Security Concerns : The situation also raises concerns about security fraud and breach of trust. I request that XXXX halt any further collection activities and reporting to credit agencies while this investigation is ongoing. 

I am demanding a response within 14 days. Please find attached all relevant supporting documentation, including my signed and notarized rescission of signature written in equity. Should XXXX wish to reclaim any property, I request that all credits, proceeds, and interests be refunded to my trust. 

Thank you for your immediate attention to these serious matters. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-08-20
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAINE & WEINER COMPANY, INC. (GA)

I am filing this complaint against Caine & Weiner for their failure to comply with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). Despite my request to cease and desist all communications regarding the alleged debt associated with account number [ XXXX ], Caine & Weiner has continued to report this debt to consumer reporting agencies, in violation of the FDCPA. 

Details of the Dispute : Cease and Desist Request : On XX/XX/XXXX, I sent a formal cease and desist letter to Caine & Weiner, demanding that they cease all communications with me regarding the alleged debt and remove any references to this debt from my consumer credit reports. Under the FDCPA, a " communication '' is defined as " the conveying of information regarding a debt directly or indirectly to any person through any medium, '' which includes consumer credit reports. 

Violation of FDCPA : Caine & Weiner has continued to report this alleged debt to consumer reporting agencies despite my cease and desist request. This is a clear violation of the FDCPA. The case XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ), supports the interpretation that communications made by debt collectors to consumer reporting agencies are subject to the FDCPA 's restrictions. Additionally, in XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX ), the court recognized that a consumer report is a medium of communication, thus making it subject to the same restrictions as other forms of communication under the FDCPA. 

Harm to Credit Profile : The continued reporting of this debt by Caine & Weiner has caused unnecessary harm to my credit profile and financial well-being. This action has negatively impacted my credit score and my ability to access credit. 

Requested Resolution : Deletion from Consumer Reports : Require Caine & Weiner to immediately delete all references to this alleged debt from my consumer credit reports with all credit reporting agencies. 

Investigate : Conduct an investigation into Caine & Weiner 's practices to ensure compliance with the FDCPA.

Cease Reporting : Require Caine & Weiner to immediately cease reporting this alleged debt to any consumer reporting agencies and to remove any previous reports they have made. 

Ensure Compliance : Ensure that Caine & Weiner adheres to the FDCPA 's restrictions on communication, including communications made through consumer credit reports. 

Supporting Documents : I have attached a copy of my cease and desist letter to Caine & Weiner, as well as any relevant correspondence and documentation. 

Conclusion : Caine & Weiner 's continued reporting of this debt, despite my clear request to cease and desist, constitutes a violation of federal law. I seek the CFPB 's assistance in rectifying this situation and holding Caine & Weiner accountable for their failure to comply with the FDCPA. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Monterey Financial Services LLC (MD)

I received a derogatory mark on my credit report for a XXXX XXXX that I believed had closed up because of Covid -19. Of course my credit score dropped a lot. I received no invoice and no notice, no type of communication, no phone called no letter. nothing. I am contacting you I believe this was so very unfair. The Monterey Collection a debt collection agency handled my situation wrongly. This was unfair. I should have been contacted.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

My account with ( XXXX XXXX  XXXX ) was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. 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 ( MONTHS REPORTING LATE ) 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 XXXX  XXXX ) 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 2023-11-21
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 FCRA Section 611 ( 15 U.S.C. 1681 ( l ) ), I have the right to dispute any information on my credit report that I believe is not correct. I reserve the right to dispute any information that I deem to be inaccurate. If there's something on my credit report that doesn't seem right, you can bet that I'll be taking action to get it removed.I can not recognize or accept the allegation of delinquency without factual proof. There must be some sort of evidence to back up the claim. Otherwise, I can not and will not recognize or accept the allegation. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law. If you do report such claims, you could be subject to fines or other penalties. Furthermore, reporting claims that you know are not in compliance could damage the reputation of your company.I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. Please provide any documents or records you may have that can help corroborate the account and it's permissible purpose.I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I hereby authorize you to take whatever steps are necessary to correct my credit. Please send me physical proof of any actions taken on my behalf. I appreciate your help in making sure my credit is in good standing.