davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-13
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. (NY)

Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.
Consumer complaint received 2024-01-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: KEYCORP (OH)

We had a mortgage with KeyBank. We sold our home, and the mortgage was paid off on XX/XX/XXXX. Based on this, we fully expected to receive the extra funds ( {$3500.00} ) in our escrow account no later than XX/XX/XXXX. 

In speaking with KeyBank, I was told that the check was mailed on XXXX. Unfortunately, they sent it to the old address where I had the mortgage. However, since I had filled out a change of address with the post office, I figured it was just a matter of time until I received my check. Unfortunately, as of today, XX/XX/XXXX, I still have not received it. I have been in touch with both my old post office and my new post office, and neither of them has this piece of mail. Furthermore, I spoke with the Inspector General at my new post office, and he stated that it is lost. 

In speaking with KeyBank via their chat function on their website, I asked for any sort of tracking or proof that they had sent the check. They could not provide any proof, other than them saying it was mailed. Furthermore, they said they will not issue a replacement check for 30 additional days from when they mailed the original. That puts it at XX/XX/XXXX until they will even mail a new check, well past the 30 days they have to return my overage to me. If the situations were reversed, and I mailed them a check they never received, you can bet they would use every method at their disposal to get their mony.
Consumer complaint received 2024-01-03
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: Experian Information Solutions Inc. (SC)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX Balance Owed : {$8600.00} XXXX  XXXX Balance Owed : {$4700.00} XXXX XXXX XXXX Balance Owed : {$84.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$5100.00} XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX , SC XXXX.
Consumer complaint received 2024-01-03
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)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-03
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: Experian Information Solutions Inc. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-20
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: EQUIFAX, INC. (TX)

According to 15 U.S. Code 1681, Congressional purposes, it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personal, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. There exists an obligation for the credit reporting agencies to conduct themselves in a manner that is fair and equitable to me. The continuous reporting of such information deems an improper utilization of my information which directly conflicts Congressional purposes and reasonable procedures. Prove that I received a delivery of goods ; come to my home and search for the goods they say I received possessions of goods of or come and see my computer or tap into my bank account so you can see what these alleged possessions are as is the requirement under 15 U.S. Code 1681 c-2 ( 1 ) ( C ). Please prove this! Hearsay is not admissible. This is according to the federal rules of procedure and evidence! Therefore, these accounts must be removed. You can not lawfully prove that I received a delivery of good, services and money. These accounts are not related to transactions by me, the consumer, therefore, as a result of this identity theft these accounts must be removed and blocked
Consumer complaint received 2024-01-03
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 writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MA)

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 third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-03
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 wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX CA XXXX ; XXXX XXXX bankruptcy XXXX Filed Date : XX/XX/XXXX Reference Number XXXX XXXX XXXX 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 2021-02-08
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (VA)

Vehicle was turned in at the lease termination date of XX/XX/2020 in accordance with the original lease contract. JPMorgan Chase sent me a bill for {$2200.00} ( Letter dated XX/XX/2020 XXXX representing property taxes owed to XXXX County VA. Five problems result from errors in this billing notice : 1 ) The tax bill submitted to me by JPMorgan Chase associated with the property taxes of {$2200.00} would cover the entire year, not the portion of the taxes I would be responsible for. In my estimate I owed Chase {$930.00} representing the proration of the yearly tax obligation covering XX/XX/XXXX XX/XX/2020. This amount was paid by me on XX/XX/XXXX, following countless phone calls in an attempt to resolve. And while I did not have all of the details associated with the property tax bill, this was my estimate. 

2 ) JPMorgan Chase failed to report the vehicle as being off lease on XX/XX/XXXX ( my end of lease term ) and reported the off lease determination as XX/XX/2020. As a result XXXX county adjusted the original property tax bill to represent a prorated amount to reflect 8 months of taxes due or {$1400.00} ( the math ( ( $ XXXX ) XXXX ) - registration fees of {$31.00} ) = {$1400.00} ). Obviously this is an erroneous calculation and date, as the vehicle was off lease on XX/XX/XXXX, not XX/XX/XXXX. 

3 ) JP Morgan Chase has failed to resolve this issue in a timely manner after multiple attempts covering 5 moths, giving rise to the fact that I may not be alone in how JPMorgan Chase is attempting to overcharge clients for property tax bills for autos coming off lease. Additionally, JP Morgan Chase has no process to correct the erroneous dates and adjust the tax bills with XXXX  County. 

4 ) When Calling JPMorgan Chase they make clear that the call is being recorded for the purposes of collecting on a debt being past due. My debts have all been paid on time, despite JPMorgan Chase indicating the account has been charged off.

5 ) My estimate of taxes owed on the vehicle was actually incorrect, I over paid JPMorgan Chase {$1.00}. If JPMorgan Chase did not give me the runaround for 5 months, I would have dropped the reconciliation issue of {$1.00}.

Since my time is valuable, I want to see the final correct calculations, a refund in the appropriate amount, and a letter from JPMorgan chase indicating my account was always paid as agreed, including at the lease termination date and the account was closed without dispute or any negative information. 

This is not a difficult case, but no one seems to see this as their responsibility to resolve an obvious operational error in submitting the wrong off lease date and billing. After 12 attempts over 5 months, I give up!
Consumer complaint received 2024-01-03
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. (DC)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/2023
Consumer complaint received 2024-01-03
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: Experian Information Solutions Inc. (DC)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX Balance Owed : {$5400.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1300.00}
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

I gave XXXX and experience a copy of my Driver 's license. Also a copy of a bill. The problem with XXXX and experience. They did not write me or sent me a letter. Tell name who gave them permissible purpose to put the bankruptcy on my credit report. As a consumer, I do have that right to know. Also ask them being a consumer reporting Agency Under the fair credit act, nobody else can put any information on my credit if it's not the XXXX XXXX. XXXX and experience have done that. They have violated my fair credit rights.
Consumer complaint received 2024-01-03
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. (AZ)

This is my 3rd request that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-02-08
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: Experian Information Solutions Inc. (PA)

XXXX XXXX response was that they need authorization, but you can not get anyone on the phone. I have tried repeatedly to contact someone on the phone. I am giving authorization in this complaint. It's another tactic to continue to report incomplete and inaccurate information. I have asked XXXX to remove a statement that is reporting on my credit file that I didn't request and they have failed to comply. XXXX has sent correspondence verifying the bankruptcy is verified as a Chapter XXXX Experian sent correspondence claiming they also verified the bankruptcy as a Chapter XXXX. If you are getting your information from the same 3rd party source XXXX, why are Experian  and XXXX reporting 2 different types of bankruptcies? You are violating my rights as a consumer once again. They request a 100-word statement and evidence to support my complaints. They have deliberately ignored it and treating my disputes as frivolous. I feel discriminated against at this point. They are not doing their due diligence to rectify the issue. I have pulled my reports once again. Experian and XXXX  are reporting inaccurate and incomplete information and now 2 different types of bankruptcies. This is unacceptable. The account XXXX XXXX XXXX XXXX # XXXX is reporting 2 different ways by Experian and XXXX. This is a direct violation of my rights as a consumer under the FCRA. How do you ignore the documents that I upload? The Bankruptcy reporting on Experian and XXXX is inaccurate and incomplete. There are no accounts listed. XXXX has deleted the inaccurate and incomplete information. I submitted proof of the deletion and it was ignored. Experian and XXXX have no financial information about the bankruptcy. How is it verified? I have shown the deletion of the bankruptcy from XXXX. I also pointed out the incomplete and inaccurate information that's reporting on Experian the account XXXX XXXX XXXX XXXX? It's affecting my ability to gain credit, refinance my home. This ordeal has been very stressful and overwhelming. I am gon na attach proof once again. I am gon na now follow up with a supervisor at CFPB. I don't understand how the credit bureaus are allowed to submit automated statements and close a complaint without resolution. A copy of this complaint has been sent to my credit attorney. The next step is he will be reaching out. I submitted once again proof that XXXX sent me an update of their verified Chapter XXXXbankruptcy. And a copy of the bankruptcy Experian is reporting as verified Chapter XXXX. How is that possible? When reporting information it must be complete and accurate. Filing bankruptcy you must list all accounts with the bankruptcy and the financial information. Are you trying to say I filed Chapter XXXX and XXXX for XXXX account?
Consumer complaint received 2023-12-04
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. (TX)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$5700.00} ; XXXX  XXXX Balance : {$5600.00} ; XXXX XXXX XXXX  XXXX XXXX : {$5700.00}.
Consumer complaint received 2024-01-03
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)

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person. All is being investigated by the FTC.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

I was doing An investigation of my credit a short while ago and was riddled with panic upon seeing a number of blunders. It is clear to me the information being reported was not wholly accurate. I need this corrected as I am needing a new card and these errors are making it nearly impossible at a fair rate
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions
Consumer complaint received 2023-11-13
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'm in the process of buying a home and I realized I had damages on my credit report. According to the 15 U.S. Code 1681 their should not be any damages on my credit report its a defamation to my character.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments.
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

To whom it may concern, In accordance with the Fair Credit reporting Act, this creditor has violated my rights. Under 15 USC 1681, section 602, states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat payment on a credit account under an open end consumer credit plan as late for any purpose.