davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-07
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. (WI)

Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.
Consumer complaint received 2023-07-05
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: Experian Information Solutions Inc. (FL)

Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and anxiety. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

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 2024-05-07
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. (GA)

I am writing to bring to your attention several inaccuracies on my credit report that violate the Fair Credit Reporting Act. Despite multiple disputes with the credit reporting agencies, these errors continue to remain unresolved. This situation poses a serious risk to my financial credibility and could potentially hinder my access to credit. I urge the Consumer Financial Protection Bureau to promptly investigate this issue and enforce compliance with the FCRA in order to safeguard consumers ' rights.
Consumer complaint received 2016-11-15
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC (MA)

I am a homeowner who had a fire on XX/XX/2016, complete rebuilding of my home, XXXX XXXX held my money, then later sold it to Nation Star Mortgage out of XXXX, we had an inspection 5 weeks ago and they will still NOT release our money to keep building. I am from XXXX and the weather conditions in the northeast could really hurt us if we do not get this finished, we were written up at that time being XXXX % done and we gave Nation Star everything they have asked EXCEPT the contractor 's license because in the state of Massachusetts the homeowner can be the contractor and sub contract everything out, they said flat out they will NOT release my money to me unless we hire a licensed contractor. In my opinion, this fraud, extortion, they have no right to hold MY money. They said it was their policy but they had no proof to show us, even if it was their policy the XXXX law states we do not need a license. XXXX who had our original mortgage when the house burned, had no problem releasing money to us. I do n't know how Nation Star can get away with this ... .we have lost time from work my husband put his job on hold to get this house done before the cold weather comes and NOW we have these people just hold our money just because they want to .... we are at our wits end and do n't know where to turn, please help. I have had XXXX since the fire, my husband probably will not have a job to go back to because we are now 8 weeks behind schedule and my children have been jeopardizing their jobs to try to call these people ( who customer service speaks hardly any English ) I have never been late for a mortgage payment. I have a high credit score and now they are forcing me to make bills that I should n't have to make now.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

PLEASE BLOCKED AND REMOVED I firmly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is imperative that you expeditiously erase this misleading information from my records.
Consumer complaint received 2024-05-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (MO)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2024-05-07
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. (OH)

This account was charged off on the following date XXXX XXXX  Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should not include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following accounts : XXXX XXXX Account Number XXXX
Consumer complaint received 2023-04-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

After reviewing my credit report on XX/XX/2023 I identified a discrepancy with account under Midland Credit Management and validation was requested as this was an account that I did not recognize. I reviewed my credit report again XX/XX/2023 and that account is still reporting without me receiving correspondence showing that the debt was was validated by Midland Credit Management.
Consumer complaint received 2024-06-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (WV)

My father XXXX XXXX sent me {$190.00} through Venmo to help me pay a utility deposit. I signed up for Venmo and received the money no problem. I added my personal checking account ( verified through XXXX ) and did a transfer of the money to my checking account. Upon reaching out to the company, I was told an account specialist had to review the transaction but they would not tell me why. I've submitted my driver 's license, social security card, debit card and a selfie holding my license. The initial transfer was supposed to take 24 hours. Now they're saying they are holding my money for a minimum time period but will not tell me why, when this will end, or if they've just stolen my money. 

If I can not pay this deposit and lose my apartment over it they will have created significant damage in my life, perhaps even homeless. Again, this was the very specific amount of {$190.00} and from my own dad. This is wrong and they should not be allowed to arbitrarily hold money with no explanation
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (MD)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement XXXX  days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

I did not authorize these inquiries. My personal information has been nreached multiple times. Please remove these inquiries immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I am writing to formally address the unexplained closure of our family 's accounts with Bank of America in XX/XX/year>. Despite our nearly 20-year history as customers with an impeccable record of responsible banking, we were given no justification for this action. 

This closure has had severe consequences, seemingly resulting in our inability to open accounts at other financial institutions. I would appreciate if bank of America can provide : 1. A detailed explanation for the account closures 2. Clarification on any reports made to other financial institutions regarding our accounts 3. Information on how to appeal this decision.

4. If the bank reported us to any government agencies. 
We have always conducted our banking affairs ethically and legally. If there were any concerns or issues, we would appreciate the opportunity to address.
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. (IN)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (OH)

Subject : Notice of Unauthorized Credit Reporting and Demand for Compliance with FCRA and Ohio Identity Theft Laws Dear BROOKS BROTHERS/CBNA, I am writing to address a serious matter concerning the unauthorized reporting of information to my credit report, which is in direct violation of federal and Ohio laws XXXX including the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Ohio identity theft laws . 

It has come to my attention that BROOKS BROTHERS/CBNA has

reported information to my credit report without obtaining my explicit consent, as required by federal law. Section 1681b ( a ) ( 2 ) of the FCRA unequivocally mandates consumer consent prior to such reporting activities. In addition to federal law, Ohio state law, particularly concerning identity theft and credit repor
ting, reinforces the requirement for consumer consent. This includes Ohio Revised Code Sections [ insert relevant sections ] which outline the necessity of explicit consent for credit reporting activities.

I want to make it explicitly clear that I have not authorized BROOKS BROTHERS/CBNA to report any information to my credit report. This lack of consent represents a clear violation of my rights and could potentially harm my creditworthiness, contrary to the protections guaranteed under federal and state laws. 

Accordingly, I demand that BROOKS BROTHERS/CBNA immediately cease any further reporting of information to my credit report without my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and applicable Ohio laws . Failure to comply within 30 days will be considered willful noncompliance and subject to penalties under relevant laws.

Compliance with these legal obligations is not negotiable. It is imperative that BROOKS BROTHERS/CBNA adheres to federal and Ohio state laws to protect consumers like myself from unauthorized and damaging credit reporting practices. 

I expect prompt attention to this matter and full compliance with my demands. Please rectify these violations without delay, respecting my rights under federal and state laws. 

Done in good faith,
Consumer complaint received 2024-06-25
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CO)

I had been a Chase credit card holder without interruption for more than 20 years with few, if any, missed payments. 

I was on an extended trip overseas when I lost my Chase Freedom card. When I returned home I received a letter from Chase Bank stating that since my account had been inactive they would close my account if I did not respond by the established date ( beginning of XX/XX/2023 ). 

I called Chase Bank and requested a new card in XXXX a week before the deadline. I received the new card and attempted to activate it immediately ; however, I was told my account had been closed. 

It seemed illogical to close someone's account while a new card was en route to them, so I requested that the account be reinstated. Chase refused and encouraged me to open a new account instead. I insisted on having the matter escalated and provided appropriate call back times. 

I received XXXX voice messages, both of which were not at times when I stated I would be available. I returned the calls a number of times, but was never able to speak with anyone. I also received a written notice that the decision to close the account was final. This does not occur as fair or reasonable account handling on the part of Chase. 

I responded to the letter within the set time frame and yet my account was closed anyhow. Losing one of my oldest credit relationships was detrimental to my credit score and credit history. 

There is an obvious flaw in the operation of account closures as it should not be possible to terminate an account for inactivity when there is a pending card delivery.
Consumer complaint received 2024-06-25
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (TX)

I am writing to bring to your immediate attention the recurring issues I have experienced regarding the application of my mortgage payments and the subsequent reporting inaccuracies to the credit bureaus. These problems have resulted in incorrect late payment statuses being reported, which is adversely affecting my credit profile. 

To summarize the issues : Partial Payments : On several occasions, I made partial payments followed by subsequent payments to cover the full amount. However, your system holds partial payments in a small account until the full amount is received, then the payment is applied. This process has led to the application dates being recorded incorrectly and inconsistently. 

Misapplied Payments : There have been instances where payments have been misapplied, further complicating the accurate tracking of my payment history. 

Inconsistent Responses : I have reached out to your customer service representatives multiple times. Unfortunately, I have received different answers each time, and the representatives were often unable to provide a clear solution to the problem. 

Credit Bureau Reporting : I have also contacted all three major credit bureaus to correct these inaccuracies. However, the late payment statuses have been inconsistently updated, sometimes changing from XXXX to XXXX days late, from XXXX to XXXX days late, and even incorrectly marking on-time payments as XXXX days late. 

Based on 15USC 1666 A & B These entries should me marked as OK
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC (MS)

Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given to anyone listed below written, unwritten, verbal, and nonverbal per 15 USC 6802. I am invoking my rights under 15 USC 6802 to opt out of the disclosure of my information. 

The following items listed below are all in violation of my privacy rights under the Privacy Rights Act of 1974, also 15 USC 6801, 15 USC 6805 and 15 USC 6802 obligation to disclosure of personal Information. 

WESTLAKE FINANCIAL, XXXX, XXXX, and XXXX all should be penalized for there unlawful actions violating my rights, all are guilty of either reporting or disclosing my information. I Have attached a report of my credit report from XXXX, XXXX, and XXXXand you will be able to see the proof of discrepancy within the credit bureaus. All the credit bureaus are reporting different dates of accounts being open, different charge offs, payment history, all inaccurate reporting violating XXXX XXXX XXXX. Each violation is subject to {$1000.00} fine per violation made by each party involved. 

XXXX XXXX XX/XX/XXXX Late Payment reporting by XXXX, XXXX, and XXXX on XX/XX/XXXX, XXXX XXXX XXXX and XXXX of XXXX and also XXXX of XXXX. Completely in violation of 15 USC 1681 inaccurate reporting, 15 USC 6801 illegal to report transaction history, 15 USC 6802 disclosure of personal information. I signed a privacy agreement with this bank that they wouldn't disclose my information to a XXXX  party company and all three credit bureaus are XXXX  party companies, therefore illegal to report to my credit file. The bank can't disclose my information and the credit bureaus can't report it. They both owe for compensation. I am invoking my right to opt out of any and all disclosure of my personal information and also any reporting associated with this account to my credit report under 15 USC 6802. I demand WESTLAKE FINANCIAL, XXXX, XXXX, and XXXX to cease all illegal reportings because it is fraud and violation of my rights under the Privacy act of 1974.
Consumer complaint received 2024-06-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current (NV)

Current bank has held my recently transferred funds for 14 days and has not responded to any of my emails. They refuse to respond, refund, or release my transfered fund, which were used to transfer to a different account due to issues with my bank. I have provided all necessary documentation and information.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: LEXISNEXIS (IL)

In XXXX of XXXX, Lexis Nexis impermissibly provided my consumer report to XXXX XXXX XXXX. I became aware of this disclosure when I received an adverse action letter from XXXX XXXX XXXX  stating they were unable to insure my vehicle based on information in my consumer report. I had not applied for car insurance from XXXX XXXX and did not give XXXX XXXX consent to pull my report. In addition, it is unclear why I was declined. When I requested a copy of my consumer report- which is my legal right -Lexis Nexis sent me a response that they could not verify my identity and yet they were happy to adverse action me. 

I have a permanent opt out with all credit reporting agencies for firm offers of credit or insurance since approximately XXXX. I was not seeking auto insurance from XXXX XXXX. Lexis Nexis was not able to provide me information that they relied on to deny the auto insurance application ( reminder, I did not request auto insurance ). Lexis Nexis is a data broker and requires more oversight due to their lax practices for providing consumer reports while at the same time making it difficult to access, correct, or delete data as a data broker.
Consumer complaint received 2024-06-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (AZ)

Around XX/XX/year>, we noticed that we were being charged extra for our mortgage insurance, resulting in an escrow shortage.

We contacted Shellpoint Mortgage Servicing ( Shellpoint ) on XX/XX/year>, and spoke with XXXX XXXX. She informed us that our insurance company, XXXX XXXX XXXX XXXX XXXX ( XXXX ), had captured those extra funds and that we would need to contact them for a refund. 

A call to XXXX XXXX, XXXX XXXX XXXX for XXXX, confirmed that they did receive overpayments from Shellpoint and that a refund was due to us. XXXX advised that they could not refund directly to Shellpoint ; instead, once we received the funds, we would need to send them directly to Shellpoint to replenish the escrow account. 

On XX/XX/year>, we received a refund check from XXXX in the amount of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. We then forwarded those funds to Shellpoint to replenish our escrow shortage.

To date, Shellpoint has not adjusted our payment correctly, causing our company financial harm by overcharging us about XXXX XXXX dollars per month. There is still an overcharge of {$2100.00} for the insurance premium billed. We have made additional escrow payments totaling {$12000.00} and returned {$10000.00} from XXXX to Shellpoint. In total, {$22000.00} has been paid to escrow over the last XXXX months. Despite this, we continue to be overcharged.