davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Avant Holding Company, Inc. (IN)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

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

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A. 

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 
15 USC 1681 section 602 A states I have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also, they aren't even in compliance with Metro 2 credit reporting.

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-24
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. (IA)

I am expressing my profound disappointment and frustration regarding the handling of my repeated attempts to remove fraudulent items from my credit file. Despite numerous efforts on my part and the provision of extensive evidence, the response from your company continues to be inadequate. This leaves me deeply concerned about the integrity of your processes and the impact on my financial well-being. Despite providing comprehensive documentation and evidence clearly demonstrating the fraudulent nature of the items in question, the responses I have received thus far have been unsatisfactory and have failed to provide any indication of progress toward resolution. This ongoing lack of accountability and transparency has left me feeling helpless and disillusioned with your company 's ability to handle this matter effectively. I am requesting a thorough and expedited review of my case, with a firm commitment to prioritizing its resolution. Specifically, I request the immediate removal of all fraudulent items from my credit file and confirmation of their deletion. I also ask for transparent and regular updates on the progress made towards resolving this matter, including specific timelines for action. The fraudulent items in my credit file that need to be removed are as follows : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$480.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$770.00} XXXXXXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XX/XX/year> XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Owed XXXX {$480.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$770.00} XXXX XXXX XXXX Balance Owed : {$1200.00}. Failure to address this complaint promptly and effectively will leave me with no choice but to escalate this matter to the relevant regulatory authorities and seek legal recourse to protect my rights and interests.
Consumer complaint received 2023-09-14
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. (CA)

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 XXXX XXXX XXXX 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 2024-05-24
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 am writing to address the presence of unfamiliar accounts on my credit report, which I suspect may be the result of identity theft, as I have not authorized them. Despite bringing this matter to your attention previously, these accounts remain on my report. I urgently request that they be removed at the earliest convenience.

The inclusion of these unauthorized accounts has caused considerable stress and does not accurately reflect my credit history or financial responsibilities. Dealing with the repercussions has been challenging, and if a resolution can not be reached promptly, I am prepared to take legal action to protect my rights and seek a resolution.

These inaccuracies on my credit report pose a significant obstacle to achieving important financial goals, such as purchasing a home and providing for my family. I sincerely hope that we can swiftly resolve this issue to avoid further disruption.

Thank you for your attention to this matter.
Consumer complaint received 2023-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I try to get a normal life home, family get married and this does not allow me I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file. 

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter.

Sincerely,
Consumer complaint received 2024-07-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (CO)

We were advised that we could pay our escrow shortage of XXXX prior to XX/XX/2024 so our mortgage payment would remain the same. We paid XXXX on XXXX to the previous company ( XXXX XXXX XXXX ) and on XXXX we paid XXXX to Newrez Shellpoint ( current mtg company ). Shellpoint advised me last week they would conduct a re-analysis as our loan was newly acquired by them. However, they are unable to see our file/documents from the previous company. Now they are refusing to conduct a re-analysis and we paid the shortage in full ( XXXX ) prior to XX/XX/XXXX as advised and our mortgage payment increased - AFTER we cured the shortage. Lastly, I was advised that they will only do a re-analysis of our escrow account if we switch to a new company for our homeowner 's insurance.
Consumer complaint received 2022-09-13
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: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights. They are being represented as the debt buyer on my credit report and they are not the original creditor. Because of this, this agency can not assign me a monthly due date, nor report the balance as past due if we do not have a contracted agreement. In addition, the date last active is inaccurate and the date last reported is inaccurate.

15 U.S.C 1681 Section 602 ( a ) : States I have the right to privacy 15 U.S.C 1681b Section 604 ( a ) Section 2 : States a consumer reporting agency can not furnish an account without my written instructions and has used my credit report without permissible purpose.

15 USC 1692D ( 4 ) The advertisement for sale of any debt to coerce payment of the debt is a violation. 

In addition, New York has placed a statue of limitations law under the Consumer Credit Fairness Act of three years. I am also not liable for this debt with XXXX XXXX and do not have a contract with them. XXXX XXXX did not provide me with the original application like I asked. Also, the name who the debt belong to is not my name.
Consumer complaint received 2024-05-24
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. (VA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-05-24
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 am writing to address a collection notice that recently appeared in my credit file from your agency. However, I am concerned as I have not received any prior notification regarding this collection, and I question the accuracy of the associated debt. 

In accordance with the provisions of the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide the following documents for verification :
Consumer complaint received 2024-05-24
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. (OR)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2024-05-24
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: PNC Bank N.A. (NC)

On Saturday, XX/XX/XXXX, at XXXX, I went to the PNC Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I was looking to depositing money onto my XXXX prepaid card. I had used that ATM before and never had an issue with transactions prior. The ATM allowed me to go through the routine of the transaction : inserting my card, putting in my pin, selecting deposit. Before the error message popped up I was shown the screen of how much money I was planning on depositing. After pressing continue I was shown the error message Action selected is not available at this time. Please retry. The money counter opened up and before I could attempt to retry, it closed and took the money. I was then given a receipt depicting the same error message as the one I was shown on the screen. There was a red and white behind me so I moved forward and planned on seeing if I could retrieve my money after them. However I could not. So I called the PNC Banks customer service, I was told since I do not have an account there was nothing that they could do and I would need to call the bank of the prepaid card. So I called XXXX XXXX  customer service and was generally told the same thing. Since theres no record of the transaction within that account I could not do nothing in regards to a dispute and would need to speak with PNC Bank and they should be able to handle it. So on Tuesday ( XX/XX/year> ), I called PNC Bank and spoke with a woman representative. I told her about the incident and she said that XXXX resolution would be the ATM being serviced to see if there was an overdraft. I was also told that the ATM had been out of service since that Saturday, when I had tried to deposit my money. She took my name and phone number down and said shed give me a call later in the day. I did not receive XXXX. So I called today ( XX/XX/year> ) and spoke with her again. This time I was told that there was nothing that they could do and I would have to try to file a dispute XXXX XXXX. However, I was told the same by the XXXX XXXX  customer service. So at this point I am confused and my money is lost. Please help!
Consumer complaint received 2024-05-24
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. (GA)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2024-05-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (TX)

This is concerning disputed, illegal and abusive debt collection tactics for XXXX dates of service for XXXX XXXX. Credit Collection Services is aware of my dispute yet they continue their illegal behavior. As for the dates of service, one is for XXXX  services on XX/XX/XXXX which Credit Collection Services is falsely stating I owe {$460.00} even though their client, XXXX XXXX never filed a claim with my insurance company. The other is for XXXX  services on XX/XX/XXXX in which Credit Collection Services is falsely stating I owe {$17.00} even though their client, XXXX XXXX never filed a claim with my insurance company. I have had the same insurance ( XXXX  ) since XXXX so there is no excuse to why the claims were never filed. Their client, XXXX XXXX filed with my insurance and were fully paid for XXXX other separate claims in XXXX so they definitely had my correct insurance information. I didn't owe anything for the claims as I had hit my maximum out of pocket for the year. They simply neglected to file claims for the XXXX dates of service and are attempting to collect the full amount, as if I didn't have insurance, which I did. I spent an hour on the phone with my medical insurance company, XXXX  and they verified that XXXX XXXX NEVER submitted claims for the services on XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX has now sent these XXXX false bills to Credit Collection Services ( CCS ) and they are harassing me and family members with phone calls and sending me threatening letters. I have filed complaints with the XXXX  & the MA & TX Attorney General 's office against Credit Collection Services and against XXXX XXXX with the Texas Department of Insurance. Texas has a timely billing law. It requires health care service providers to bill insurance no later than the first day of the XXXX month after services were provided. If the bill is not sent within the time frame in the law, the health care service provider can not try to collect payment for certain charges. This includes : charges a patient could be reimbursed for by a health plan and charges that a patient would not have owed if the provider filed a claim in a timely fashion. I disputed the validity of the debt that CCS is attempting to collect. Upon researching CCS online, I found an astonishing number of reports where they illegally reported medical debt that was not actually owed at all to the credit bureaus and refused to correct their illegal reporting even though the CFPB told debt collectors and consumer credit reporting companies that they cant collect, furnish, or report any invalid medical debt. There are also many reports where CCS retaliated against consumers for filing complaints by illegally reporting false debt to the credit bureaus and refusing to remove the false information. The CFPB has received an enormous amount of consumer complaints against CCS and I pray that the CFPB will take action to stop this abuse.
Consumer complaint received 2024-05-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: RoundPoint Mortgage Servicing LLC (CA)

I had a phone call with roundpoint mortgage XX/XX/year> and XX/XX/year>. I was recently on XXXX declared disaster forbearance. The receptionist said she can process the deferral to underwriters if I pay 5 months of mortgage payments. I am financially strained and do not have 5 months of mortgage payments. Next, she asked if I can repay the loan back in full and I do not have that ability either. I ask if she can do a phone screening like I had back on XX/XX/year> of my income, and monthly payment. She refused and couldn't connect me with underwriter or management. According to fannie mae, i should be eligible for deferral or loan mod.
Consumer complaint received 2021-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CarMax, Inc. (FL)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CARMAX AUTO FINANCE XXXX Balance {$9900.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

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, Equifax, and XXXX. 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 XXXX XXXX XXXX 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 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I recently checked my credit reports and noticed billing errors. You are in serious violation of TRUTH IN LENDING ACT ( TILA ) 15 U.S.Code 1637 ( b ) ( 2 ) ( a ) and the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error
Consumer complaint received 2024-05-24
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. (SC)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with EXPERIAN XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-05-24
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. (WV)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.