davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NJ)

I applied for a XXXX XXXX store card issued by XXXX XXXX around XX/XX/23. I did not receive any correspondence regarding the application and didnt even know if it went through. The only way I found out that anything had taken place was when I saw a hard inquiry on my Experian report. I was told that my application was denied because XXXX XXXX could not gain access to my XXXX and XXXX reports. Only discovered this once I called to ask why there was an inquiry. There are no letters or notifications in my XXXX XXXX account or XXXX XXXX account pertaining to this application. I was not requested to lift the freeze in any way. I requested that the hard inquiry on my Experian report be removed as the application was not complete. XXXX XXXX stated that they needed access to all 3 bureaus to make a determination. However, the representative would not honor that fair and reasonable request. I have been penalized by other creditors whom I have cards with for having too many inquiries after XXXX XXXX reporting.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Farrell Holdings, LLC (OH)

Every month all companies continues to share my information every month without my consent Ive requested a letter from the companies to opt out of any and all authorizations using my personal information to no avail which is my right by law I incorporated all the laws to represent my claims
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation (DE)

I am writing to express my concerns regarding the handling of my personal information by XXXX, XXXX, XXXX and ( Furnisher of information to credit agencies ). I believe that my rights as a consumer, as outlined in the Fair Credit Reporting Act ( 15 USC 1681 section 602 a ), are not being respected.

The Act clearly states that consumer reporting agencies must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. As a consumer, I have the right to ensure that my private information is not shared. This right is supported by 15 USC 6801, which mandates that each financial institution has an obligation to respect the privacy of its customers and protect the security and confidentiality of their nonpublic personal information.

According to 15 USC 1681 section 604 a section 2, a consumer reporting agency may furnish a consumer report only under specific circumstances : in accordance with the written instructions of the consumer to whom it relates. I have not given my consent, written or otherwise, to XXXX, XXXX or XXXX ( Furnisher of information to credit agencies ) to furnish this information.

Furthermore, 15 USC 6802 ( b ) states that a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how they can exercise their nondisclosure option. I was never informed of my right to exercise my nondisclosure option by ( Furnisher of information to credit agencies ).

Additionally, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from making any consumer report containing any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years. The account in question is an adverse item that is being reported without my permission, which is against the law.

15 U.S. Code 1681s2 ( A ) ( 1 ) A states that 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. Moreover, 15 U.S. Code 1681e mandates that every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. I believe that XXXX, XXXX and XXXX are not maintaining these reasonable procedures. 
Lastly, 12 CFR 1016.7 states that a consumer may exercise the right to opt out at any time. I am hereby exercising my right to opt out of your reporting services.

I kindly request that you address these concerns promptly and ensure that my rights as a consumer are respected.
Consumer complaint received 2024-05-09
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: Experian Information Solutions Inc. (PA)

I recently received a copy of my XXXX bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX XXXX XXXX Balance Owed : {$30000.00}
Consumer complaint received 2024-01-08
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. (MO)

Straight XXXX  that at XXXX Experian starts closing complaints. The explanation is so absurd its not funny and thy want me to AGAIN give here people who can't speak XXXX or even help you my private information. NOT EVEN CLOSE you already double charged my credit card when your rep lied and said if you became a paying member they would fix my account I WILL NEVER PAY XXXX  MONEY
Consumer complaint received 2024-06-27
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 have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I am writing to formally lodge a complaint against Experian, one of the major credit reporting agencies, for allowing an unauthorized and unverified debt collection entry on my credit report by XXXX XXXX. 

I recently discovered that XXXX XXXX has reported a collection account on my credit report managed by Experian. This action has been taken without my prior knowledge, consent, or any form of communication from XXXX XXXX XXXX end. I have never been contacted by XXXX XXXX regarding any debt, nor have I ever engaged in any form of transaction or agreement that would warrant such a collection notice. 

Furthermore, I firmly believe that this collection entry is erroneous as I do not owe any debt to XXXX XXXX. The lack of initial communication and verification from XXXXXXXX XXXX XXXX side before reporting to Experian is concerning and, I believe, a violation of my consumer rights. 

This unverified and unauthorized entry on my credit report has caused me undue stress and may potentially harm my creditworthiness and financial reputation. Therefore, I request the following actions : A thorough investigation into this matter by Experian and the immediate removal of the collection entry from my credit report if it is found to be unsubstantiated. 
Assurance that such incidents will not recur, and my consumer rights will be duly respected and protected. 
A written confirmation from Experian and XXXX XXXX regarding the resolution of this complaint. 
I trust that the Consumer Financial Protection Bureau will take this complaint seriously and ensure a prompt and fair resolution. I am prepared to provide any additional information or documentation as required. If this is a violation I want to sue! 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-05-09
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. (WI)

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. 

XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, DEPTEDXXXX XXXX XXXX XXXXXXXX, DEPTEDXXXX XXXX XXXX XXXXXXXX, DEPTEDXXXX  : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has Violated my rights XXXX 

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2 : It 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 the information is inaccurate.
Consumer complaint received 2023-12-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Shellpoint Partners, LLC (HI)

Our home in XXXX burnt down in the XX/XX/XXXX XXXX  fire. After the fire we were paying our mortgage as well as rent on a XXXX XXXX on XXXX. To lighten our monthly financial burden, we wanted to pay off our mortgage loan. We contacted Newrez to pay off our loan and received a payoff amount of {$830000.00} with a payoff closing date of XX/XX/XXXXXXXX. My husband and I were directed to send in our funds, which were split between personal funds and insurance claim funds. We received {$410000.00} from insurance funds, of which we signed over the checks and expedited them to Newrez/Shellpoint by XX/XX/XXXX. The remaining amount which was {$410000.00} was paid from our banking account, XXXX XXXXXXXX XXXX. The wire transfer to Newrez/Shellpoint was made on XX/XX/XXXX and received by XX/XX/XXXX. We were also advised to send in a letter of intent to use our claim funds to pay off our loan. This letter was received by Newrez/Shellpoint on XX/XX/XXXX. We completed all required tasks with the correct funds by the XX/XX/XXXXXXXX  payoff closing date. However, our loan has not yet been closed and instead we have been sent several new payment amounts which have increased in amount due to daily interest. We have spent over XXXX  hours on the phone and taken 5 days off work to speak with Newrez and Shellpoint in order to remedy this issue and explain that we made our payoff date and should not be penalized by their incompetency to process our funds to close the loan. While they continue to not close our loan, our amount keeps growing as interest is accumulating. We are also being told that we owe our XXXX mortgage amount. Ive told Newrez/Shellpoint various times that no amount should be owed as we have paid off our loan in its full amount for the XX/XX/XXXX2023 payoff closing. I have continued to call Newrez/Shellpoint and have been transferred to various departments, all placing the blame on other departments. At this point, I am not confident they will fix this issue and close out our loan. After many attempts to close the loan while holding our money for one month, they have still not processed the finances and continue to go back and forth between various departments figuring out what the hold up is. No progress has been made to close the loan.
Consumer complaint received 2023-12-14
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. (PA)

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 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 2024-02-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (FL)

18 yr mortgage paid off XXXX. All previous payments and access to my loan account were via on-line/electronic route. Immediately on loan payoff, all access to my statements/loan info was blocked. 
As of today, XXXX, no tax statements for 2023 are accessible on-line. Nothing received by mail. 

The Mr. Cooper site states that tax forms will be available by XX/XX/2023. 
Multiple attempts made to contact a human associate of this company have been futile. Any/all contacts are robo-calls. The " Help/Chat Line '' is a joke and a dead end. No option on-line or via phone to communicate this specific question ( when/how will I receive tax info ) to a sentient being. 

Note to others : prior to loan payoff, get name/contact info of the property 's insurance carrier. Without this, you'll need a XXXX point inspection and possibly added costs/higher premiums if you can not prove property was covered. This company provides no information whatsoever on closure of the loan. Good luck trying to any information from these people.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (DC)

My consumer report has inquiries for applications of credit that I did not authorize, Checking my consumer report and these inquiries were not authorized by me. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts.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, 15 U.S.C 1666B. I have sent multiple disputes with either no response or a response ignoring my request. Please provide proof that I consented to the furnishing of the listed accounts. You have yet to provide me any proof that I consented to this information being displayed on my credit report OR remove from my credit report.
Consumer complaint received 2024-05-09
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 do not own the alleged debts seen in my credit reports I disputed accounts on my credit report and there was no change. So, I sent a notice of inaccurate furnishing to each consumer reporting agency. 

There was no response.
Consumer complaint received 2023-12-14
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. (AR)

I hope this letter finds you well. I am writing to express my deep dissatisfaction regarding the ongoing issue with my account at your esteemed institution. Despite my previous attempts to address the matter, the problem persists, and I feel compelled to escalate the issue through this formal complaint. 

I first observed discrepancies in the account opening process, specifically related to delays and inefficiencies in the procedures. I promptly brought this to the attention, who assured me that the matter would be investigated and rectified. 

Following the initial incident, I patiently awaited a resolution. Regrettably, despite the assurances received, no significant improvement was observed in the subsequent weeks. Multiple follow-ups were made, but the issue persisted. 
I again encountered delays and irregularities in my account handling. This repeated occurrence is highly distressing and raises serious concerns about the efficacy of your institution 's processes. 

[ Second Attempt to Correct ] : Subsequently, I reached out to [ Name of Bank Representative ] on [ Date of Second Attempt ] to discuss the matter further. While attempts were made to address the issue, the problem remains unresolved. 

My expectations as a customer include efficient and transparent services, especially concerning matters as critical as account management. The persistent issues I am facing are not only inconveniencing but also eroding my confidence in the reliability of your institution. 

I request that an immediate and thorough investigation be conducted into the root causes of these repeated incidents. Furthermore, I expect a comprehensive and transparent report outlining the steps being taken to rectify the situation and prevent such issues from occurring in the future. 

If the matter is not promptly and adequately addressed, I may have no choice but to escalate this complaint to the relevant regulatory authorities and explore legal avenues to protect my rights as a consumer. I am asking for your assistance to correct this late open account : XXXX XXXX XXXX Balance : {$960.00}.
Consumer complaint received 2019-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I went to TransUnion solely for my free credit report. It asked for a bunch of personal information, including my credit card number, and I assumed this was just to verify my identity. Now they are charging fees to my credit card and I've had to report it as fraud to my bank and lock my credit card.
Consumer complaint received 2023-06-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Javitch, Block & Rathbone LLC (IN)

Javitch Block, LLC is a debt collector using fraudulent deceptive practices, to extort funds from me. I contacted the Indiana XXXX XXXX XXXX, in which they informed me this company is not a licensed debt collector in Indiana, which constitute fraud under the FDCPA. Whatever they did to get my information was done fraudulently. This company has stolen my identity and created an account saying that owe this debt to them. I sent them a debt validation letter in XXXX of XXXX. I got no response so I thought they decided to cease all communications. But then I received a letter from the courts in XXXXXXXX XXXX XXXXXXXX, stating their intent to garnish my wages. I resent the 1st letter, this time by certified mail in XXXX. In which, they failed to answer each item, line by line which is a violation ( 15 US Code 1692 ( g ) ). They harassed me and embarrassed me on my job by sending bogus garnishment paperwork that was not signed by a judged. They are acting as an attorney which is a violation ( 15 US Code 1692e ( 4 ) ). I want them to cease and desist any and all communications ( 15 US Code 1692c ( c ) ) ; in addition to paying me {$1000.00} for each violation ( 15 US Code 1692 ( k ) ) listed above. This situation is harming me with undue stress. They are illegally trying to take my funds for this false account. An account they created without my knowledge. I also filed reports against this company with : - Indiana Secretary of State - Indiana Attorney General - XXXX  - FTC.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

15usc6508. per Per the FCRA as a federal protected consumer. I am now opting out of any and all authorizations. I the consumer my have given your written and Unwritten Verbal or non-verbal per 15usc6802.

Fair credit Reporting Act 1974 15usc1681, 15usc1681a, 15usc1611,15usc1602,16cfr 313.6, 16crf 313.7 ,15usc1681,17cfr424,5usc522a, hjr192,15usc15usc1692a,15usc1692 ( 2 ) 15usc1692e ( 2 ) ( a ) 15usc1681 ( 6 ) ( a )
Consumer complaint received 2024-05-09
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. (IN)

A XXXX  ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct this account : XXXX XXXX XXXX
Consumer complaint received 2023-12-14
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. (FL)

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.