davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-25
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. (FL)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Credit Karma (LA)

To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NC)

The company is Experian and My Experian account got locked due to failed password attempts, so it gave me a phone number to unlock my account, however, whenever I tried calling it kept giving me options that weren't even related to locked accounts and whenever I keep repeating to talk with a representative, the auto message always say there isn't anyone available, and I tried calling different hours and different days. Its frustrating and I can't even delete my account now since it is locked. The image I provided shows the various Experian numbers I've attempted to reach out and received no response.
Consumer complaint received 2024-04-25
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. (FL)

Hello, With XXXX I have submitted XXXX disputes regarding improper reporting of my credit report. I have contact my creditor they stated I did not miss payment, when attempting to call XXXX  all correspondance are blocked or not going through. Chat support contiously refuses to answer my questions directly when attempting to resolve my issue. They have failed to make corrections to my credit score stating that I missed a payment within XXXX  days XXXX. Credit reporting and updates are provided on a month to month basis and they reflected my credt score based on XXXX  when my account are up to date and paid. My credit score dropped XXXX points due error and incorrect reporting on either the creditor or the bereau. I would like all credit bereaus evalulated to assure that everything is corrected back to its orginal status.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-29
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)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Please delete the followings accounts as they are violating my consumer rights. Reporting false information. My consumer report should be 100 % accurate. However, both of the following accounts are reporting different things across all Bureaus. XXXXXXXX XXXX XXXX  ; Account XXXX and XXXX XXXX ; Account XXXX. I will upload proof of all false reporting. Thank you for your time in this matter.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-05-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (AL)

I changed home owners insurance XX/XX/2023. PHH is my mortgage company. They increased my monthly payment from {$760.00} to {$1000.00} without notifying me. I called PHH and asked why?. Their response was they decided reevaluate the Escrow Account based on Home insurance estimated to be {$4700.00} annually. My new policy with XXXX XXXX is {$2400.00} annually. They said they would do a reevaluation and get back to me. They did not contact me. I called several times to follow up. 

At the end of a call a request by the PHH company requested I comment on their service. 
I completed the request and ended with " I could not recommend anyone to do business with PHH mortgage based on my experience. As a result of my submitting my complaint I received an email from PHH apologizing and saying I would be contacted by another member of their team ' No contact yet. 

I have made 3 payments of {$1000.00} commencing in XX/XX/2023 I sent checks of {$680.00} and {$1700.00} escrow money from previous home owners insurance company. 
My loan number with PHH is. XXXX I believe this company has decided to increase my mortgage payment to increase profit. 

I am on Social Security. It is my only income. my budget will not support an increase in my mortgage payments. 
My original contact with PHH was very unpleasant. the man I spoke to had a very heavy accent and was difficult to understand. He did nothing to help me understand why the increase. He asked if i would like to pay {$4700.00} new escrow requires, I asked for his name and he gave me a code which i have misplaced. I am not tech savy and require patience. this man was rude and patronizing. 

Earliet this past week i called again and spoke to a very nice lady ; She said the reevaluation had been done and my payment would {$850.00} monthly. I can not handle this increase. Help me please
Consumer complaint received 2024-04-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (DE)

On XX/XX/XXXX, I called USAA to report fraudulent transfers on my checking account resulting in XXXXXXXX XXXXXXXX dollars. They opened an investigation and claimed no fraud was detected. I called again two weeks later and found I was completely locked out of my account and my username, password, phone number, address, email, social security number was changed and the USAA representative had to help me log back into my account and change my information back, also discovered three accounts opened in my name a checkings, a Savings and a credit card. They reopened the investigation and claimed no fraud again. I called again on XX/XX/XXXX and talked to the CEO department, the department claimed to not know what the disconnect was because we live in XXXX and the charges are being made in central california, as well as all my personal information being changed and the addition of a person to the account, they had to reopen the investigation again and denied the claim again.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$25000.00} XXXX XXXXXXXX Balance : {$500.00}
Consumer complaint received 2024-04-23
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. (NJ)

in accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S, C 1681section 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
Consumer complaint received 2024-04-22
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)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MO)

Experian ( The XXXX XXXX XXXX ) is obligated by the FCRA to report accurate accounting. I have brought attention to all inquiries reported were fraudulent. Experian ( The XXXX XXXX XXXX ) had 4 days by law to remove such items from my report. Fraud report was filed via FTC in regards to such consumer report. I am now requesting Experian to provide such documentation used to determine such inquiries were indeed authorized by such consumer, Experian has 15 days to provide me with the name of the agent spoken to, documentation used, application with consumer wet ink signature. Consumer is not requesting an e-Oscar report, if Experian does not have documentation to show these inquiries were in fact authorized by such consumer items shall be removed asap. Experian is liable under the SEC to follow certain rules and guidelines. Experian ( The XXXX XXXX XXXX XXXX commission file number XXXX, in conjunction with ( XXXX XXXX XXXX XXXX XXXX commission file number XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I will be filing form 211 treasury omb forms to audit consumer account due to the fact Experian ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are securitizing consumer data and still refuse to provide such consumer a copy of my CONSUMER FILE when requested and not the CONSUMER REPORT.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NC)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-04-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-04-22
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. (NV)

I sent a letter to XXXX letting them know that my school loan was a violation of 34 CFR Part 99, FAMILY EDUCATIONAL RIGHTS & PRIVACY. XXXX has violated my Right to Privacy which they have looked over and continued to report on my credit profile a debt. I told them in XXXX that this debt was discharged. I filed a 1099-C to cancel out the debt, which the IRS accepted on XX/XX/2024. They have yet to update my credit report as amount in full. 

I would also like the CFPB to know that I have done my due diligence and was made aware that when I applied for this school loan, I signed a promissory note. Now on that promissory note, it contained my signature, which gave that note value. The note was processed as a security to be deposited to the treasury for complete payment of the loan. XXXX XXXX XXXX processed that security and was paid from my account. Also, they would trade this security on the secondary market over 33 times, making trillions off my signature. XXXX is now asking for the amount of XXXX as they are now doubling back to get more money from me, when they were already paid once I signed my signature. Now as an investor I was not compensated my 70 % according to XXXX XXXX for trading my security on the market as a security now where is my money owed to me. XXXX sends me a statement every month which is a book entry security which is evidence of a bond. Now XXXX wants unlawful money paid to them in Federal Reserve Notes. I can not pay you in FRN 's because that would not settle the debt. However again the debt was paid already by my signature.

If this loan is not settled for the full amount, I will notify the SECURITIES EXCHANGE as a whistleblower, of how you have stolen my Securities and have not compensated me for them. I will also have to notify the IRS that you have filed a 1099 on me every year. I have filed a 1099-C and the loan is a certificate of indebtness, it can not be reported on your credit because the debt was cancelled. Please update my credit profile to the loan was paid in full and delete all negative marks associated with this account.
Consumer complaint received 2023-05-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (IL)

My property taxes were paid in full by my mortgage servicer, Newrez LLC, through my escrow. However, the tax amount for Tax Year XXXX and Tax Year XXXX were incorrect. I have fixed this issue with my XXXX XXXX office by completing a Pay By Legal Description and was given new tax bills for both years. I had sent over a copy of my corrected property tax bills to my mortgage servicer for review to adjust and refund funds back to my escrow account. I still have not receive a response or resolution. I have been overpaying for the month of XXXX and XXXX in the amount of {$5900.00} due to the increase of funds in my escrow, which is added on to my monthly payment. Newrez had paid {$18000.00} for tax year XXXX 2nd installment and {$12000.00} for tax year XXXX 1st installment. These are incorrect amounts, and I need them to refund the difference back to my account. I need this to be resolved as soon as possible as it making me very difficult to pay my monthly payment for amounts that are not correct.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am contacting you to dispute the appearance of this bankruptcy on my credit report. It's concerning because I have a letter from the court explicitly stating it should not be reported to you. Furthermore, the involvement of an unauthorized third party only heightens the absurdity of this situation.
Consumer complaint received 2024-04-22
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)

Please delete this account immediately because it contains inaccuracy in its information According to the ( FCRA ) 15 U.S.C. 1681, it is vital to report with accuracy and fairness. On my consumer report, Experian is reporting a current balance {$7000.00} this month and last month was {$6700.00} and monthly payment of {$140.00} how is it that {$140.00} increase different on every monthly payment basis and I'm confuse that XXXX have no documentation of this account shouldnt all consumer agency have the same reporting information? 

I have not been presented with evidence in accordance with the doctrine of estoppel by silence, as established in the case of Engelhardt v. Gravens ( mo ) 281 SW 715,719. Consequently, I am presuming the absence of any documentation supporting the alleged debt.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (MD)

I have disputed an unknown account that appeared from MIDLAND CREDIT MANAGEMENT for {$1100.00} as lacking permissible purpose and being unverified. I contacted the company and have been unable to get them to verify that they possess any evidence of permissible purpose, authorization or verification of the account.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.