davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (MD)

Credit Inquiries I don't recognize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-06
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: FIRST PORTFOLIO SERVICING INC (LA)

MY DEBIT CARD WITH XXXX BANK WAS HACK FOR {$60.00}. XXXX TOLD ME I NEEDED TO GET A NEW ACCOUNT NUMBER WHICH LAST XXXX XXXX NEW. THE OLD DEBIT CHECKING LAST WAS XXXX. IN BETWEEN OF CHANGING FROM OLD TO NEW. 

I HAD TO PAY MY CREDIT CARD BILL WITH TOTAL VISA, FIRST ACCESS, AND REVVEL WITH A CHECK FROM OLD ACCOUNT XXXX. SO THE FUNDS DIDN'T SHOW UP TO DEDUCT FROM NEW ACCOUNT. SO THE PROPOSED PAYMENT WAS RETURN AND THEY DIDN'T GET A PAYMENT. THOSE PAYMENTS WERE {$100.00}, {$100.00}, AND {$100.00}. 

SO I MADE PAYMENT OF {$100.00}, {$82.00}, AND {$100.00} TO EACH ACCOUNTS. THOSE PAYMENT HAS TAKEN UP TO 21 DAY TO CLEAR. 

SO EACH COMPANY TOTAL VISA, FIRST ACCESS VISA AND REVVEL PUT A BLOCK ON ALL THREE CREDIT CARD ACCOUNT. 

SO MY ACCOUNT ARE STILL BLOCK TILL THIS DAY XXXX XXXX 2024. 

ALL THREE WANT ME TO SEND A COPY OF MY XXXX BANK ACCOUNT STATEMENT SO THEY CAN CLEAR MY CREDIT CARD ACCOUNT!!!!!!! SO I CAN USE MY ACCOUNTS WHICH HAS A BALANCE OF {$14.00}, {$150.00}, AND {$120.00}!!!! WITH A CREDIT LIMIT OF {$300.00}. I USE A XXXX MONEY CARD TO PAY MY TOTAL VISA {$300.00} WHICH IS NEW CARD YESTERDAY XXXX XX/XX/2024. 

WHAT THE XXXX THEY SEE MY DEBIT CARD CHECKING ACCOUNT STATEMENT WHICH IS MY PRIVATE BUSINESS!!!!!!!!!!!!! 

THEY ARE SCAMMMER TO HACK MY CHECKING ACCOUNT!!!!!!!!

BUT I DID MAKE NEW PAYMENTS.
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 was reviewing experian my credit report and saw fraudulent unauthorized inquires listed. XXXX XXXX XX/XX/2024, XXXX XX/XX/2024, XXXX XXXX XX/XX/2024. An agent informed me to submit a report. Please remove these inquiries immediately. Thank you,
Consumer complaint received 2023-09-01
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMG MORTGAGE, INC (CA)

XX/XX/XXXX REQUEST FOR REFUND OF EXCESS ESCROW FUNDS XXXX XXXX EXEMPTION ( PAST YEARS ) - NO REFUND RECEIVED AS OF XX/XX/XXXX CMG Financial A Division of CMG Mortgage , Inc. ( CA Secretary of State ID # XXXX & XXXX ) NMLS # XXXX XXXX XXXX XXXXXXXX XXXX NJ XXXX LOAN # XXXX I sent an email about when I should expect my refund ( s ) for {$1300.00} and {$1200.00} from CMG Financial who is my current mortgage company now. This request was made on XX/XX/XXXX. I called their office at the ( XXXX ) and also send a message on their website with a letter requesting this refund. This refund was created by me being a XXXX XXXX  and qualifying for a higher exemption. This higher exemption resulted in refund ( s ) owed to me for these amounts. Not Received Tax Refund for Overpaid Property Taxes for the Following ; Year XXXX - {$1200.00} & {$1300.00} = {$2500.00} Year XXXX - {$1200.00} & {$1300.00} = {$2500.00} Year XXXX - {$1200.00} & XXXX = {$2500.00} Total Amount Not Received = {$7600.00} This company CMG Financial Services Corporation services my loan for the tax years of XXXX, XXXX, XXXX. I have made several requests for my Escrow Overages be refunded immediately. No Refund for {$1300.00} or {$1200.00} which they already have in their possession, I have not received. I sat on the phone trying to speak to a supervisor. The customer service and their process doesnt benefit anyone but themselves. When I had an Escrow Shortage, they contacted me immediately to get their money and didnt care how I got the money. Not the shoe is on the other foot, they owe me this money and I need my money. This money has been sitting in my escrow account since XX/XX/XXXX. XXXX. I logged into my mortgage account to verify. Their service and their Process sucks!!!!! 

Other Names & Information Associated With ; ( XXXX ) XXXX cmortgage.loanadministration.com XXXX XXXX XXXXXXXX XXXX XXXX Loan Administration CMG Mortgage Inc - California Secretary of State - # XXXX ) MG Mortgage Inc - California Secretary of State - # XXXX
Consumer complaint received 2024-07-05
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. (AL)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2023-09-15
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. (NC)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 15 U.S.C. 1681 section 602 A : States I have the right to privacy. 15 U.S.C 1681 section 603 ( 2 ) i : States a costumer report does not include, report containing information solely as to transactions or experiences between the consumer and the person making the report. 15 U.S.C. 1681section 604 A section 2 : It also states a Consumer Reporting Agency can not furnish a account without my written instruction. 15 U.S.C. 1681e ( b ) states reporting agency shall follow reasonable procedures to assure maximum possible accuracy.
Consumer complaint received 2024-04-22
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. (NY)

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. 
Account name : XXXX XXXX XXXX XXXX XXXX : # XXXX, Account name : XXXX XXXX XXXX XXXX : # XXXX,, Account Name XXXX XXXX XXXX  XXXX # XXXX, Account Name XXXX XXXX XXXX XXXX : # XXXX, Account Name : XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
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 2024-04-22
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. (TX)

Please see the attached affidavit and remove the account XXXX XXXX XXXX XXXXXXXX from my credit report due to inaccurate information. XXXX and XXXX have removed this account. Experian is in violation for reporting incorrect information for the payment history. I was never late XXXX times on this account. At one point, Experian was reporting that I was late XXXX times then they changed it to XXXX times, now my report is showing late XXXX times. Experian has proved that they are not credible and that they are in violation of the FCRA. Furthermore, this account was sold to XXXX XXXX. Please see the response letter from the creditor showing that discrepancy in late payments and remove this account.
Consumer complaint received 2023-07-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-22
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. (MI)

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 2024-04-22
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. (GA)

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.

Account Name : XXXX XXXX XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 2019-08-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (HI)

A home was built on the wrong property/lot. I have notified the mortgage company many times but it seems like I'm being ignored. 

I have already sold the property that the mortgage company thinks the home is on, but as mentioned above it is not on the property as mentioned above. 

Address : XXXX XXXX XXXX, XXXX, Hawaii Auctioned on XXXX for {$7000.00} to XXXX XXXX
Consumer complaint received 2024-04-22
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. (IA)

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 2024-04-22
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. (GA)

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. 

Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NV)

UEI has violated U.S. Criminal Code and 20 U.S.C. 1097 under Access to Department of Education information technology systems for fraud, commercial advantage, or private financial gain. which includes fines and imprisonment up to 5 years. Any person who knowingly and willfully embezzles, misapplies, steals, obtains by fraud, false statement, or forgery, or fails to refund any funds, assets, or property provided or insured under this subchapter or attempts to so embezzle, misapply, steal, obtain by fraud, false statement or forgery, or fail to refund any funds, assets, or property, shall be fined not more than {$20000.00} or imprisoned for not more than 5 years, or both, except if the amount so embezzled, misapplied, stolen, obtained by fraud, false statement, or forgery, or failed to be refunded does not exceed {$200.00}, then the fine shall not be more than {$5000.00} and imprisonment shall not exceed XXXXne year, or both.

I do not trust UEI and do not acknowledge this debt in its Entirety. 
I applied for a loan from the government for the purpose of completing a college course and received no check, no payment of a loan, and didn't complete highschool nor the college class at UEI. Yet UEI college insisted I apply for a loan and the XXXX XXXX. I was approved for both and have yet to receive any funds or credit. I believe UEI as embezzled my Loan as the purpose of applying was to receive a check with my name on it from the Treasury. As I have still not received payment UEI insists I owe them a debt. My Factual evidence is attached and is a " Master Promissory Note '' created by UEI that I have never lawfully signed. UEI had intentionally forged my signature and embezzled my funds. This is a breach of contract aswell as illegal as UEI did this to intentionally and solely to benefit themselves and enrich themselves as they most likely done this to every student that's ever walked through their doors. 

It even states on number XXXX of the promises on the MPN verbatim, " I promise to pay to ED the full amount of all loans that I recieve under this MPN in accordance with the terms of the MPN.
Consumer complaint received 2024-09-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-03
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. (GA)

Transunion is violating my consumer rights under the Fair Credit Reporting Act, by allowing inaccurate/invalidated items on consumer file, and refusing to do an accurate investigation of into negative items. I want all unverified/inaccurate items remove from my consumer file asap.
Consumer complaint received 2024-09-03
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. (TN)

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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX  XXXX Balance : {$380000.00}
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've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2023-08-25
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: Experian Information Solutions Inc. (TN)

I recently relocated to the state of TN. I have debt buyers and collection agencies on my report that are not licensed in the state of TN. Also I do live in TN but Experian has my address listed inaccurately. I can provide the address which I do not want shared with debt collectors and collection companies. None of the collection companies listed on my report are licensed to collect a debt from this state. I will take action towards this. I tried to dilute with experian but was unable to do so. XXXX experian and XXXX please delete these debt buyers and collection agencies from my report that are not licensed in the state of TN
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. (GA)

I am writing to dispute and demand the immediate deletion of the XXXX XXXX Account XXXX account information that you have reported on my credit report. I have previously requested, in good faith under Rule 1002 of the Fair Credit Reporting Act ( FCRA ), the documents that demonstrate proof of compliance with the legal requirements pursuant to sections 15 USC 1666b and 1637 ( b ). Specifically, I requested proof of the mailing or delivery of information required 21 days before the payment due date, as mandated by section 1666b.
Consumer complaint received 2024-09-03
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. (FL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Equifax will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate. 

Account # XXXXXX/XX/XXXXXXXX
Consumer complaint received 2024-04-22
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. (NY)

The institution violated The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ) ; and also 5 U.S. Code 1681 - Congressional findings and statement of purpose a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers RIGHT TO PRIVACY.

15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

They need my written consent to add anything to my consumer report I did not give this institution authorization ; that is a violation of the Fair Credit Reporting Act P.L 90-321 ( 82 Stat. 146 ) even stricter as it states that any agency can only get my report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ). WHICH WAS NOT DONE!