davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-21
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PR)

XXXX : I wish to explain that the application does not provide a box for what I report and request here. But nonetheless ; is a claim since it is related to the Agency. I hereby request a Thorough and Official Investigation regarding my claim XXXX submitted on XXXX. 
I checked on XXXX my claim on the CFPB Official Web Site and the information in the : " Company Responded Section Area '' is not the same from the CFPB " Original '' Form on my records and printed on XXXX. 
I respectfully request information and explanations of the Reasons that CFPB had to " change the case information 2 years after the case was closed. 
On XXXX XXXX Company Responded : " it could not confirm who submitted the claim. Now on XXXX  states : " The Company sent its response directly to you and provided a copy of the CFPB, it may take a few days for you to receive the company 's response. To protect consumer privacy the CFPB, has not included the company 's response in this consumer portal. You can contact the company at ( XXXX ) XXXX about its response to this complaint ''. 
The alterations of the Section changes the facts reported in the other case that I submitted on XXXX case # XXXX ; but, in my case Statement, I mentioned the information in reference.

Changing the final decision after the case was closed, deleting the original format of the part in reference, only benefits the position of the Bank since it justifies ; its deceptive, abusive and unfair actions reported by me, which the Bureau does not allow.

The Veracity of the facts is untouchable and there must be trust and security towards the Consumer Financial Bureau, official documents can not be altered. I will like the Bureau to investigate who?, Changed that information ant the Reasons for doing so. Please send the results of the Investigation in writing to : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 

FW to : XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX Lawyers : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pd : Awaiting for a Priority Box of documents sent to CFPB with a COD returning Service. ( I will Pay upon arrival ).
Consumer complaint received 2024-05-14
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: Experian Information Solutions Inc. (NV)

Account Information : The XXXX XXXX account in question has been inaccurately reported on my credit report by Experian. Despite my efforts to dispute the information and provide supporting documentation, it has not been updated or removed from my report. 

Previous Disputes : I have previously submitted disputes regarding this XXXX XXXX account to Experian. While they have acknowledged receiving my disputes, they have failed to take appropriate action to correct the inaccuracies. 

Communication with Experian : Despite my repeated attempts to communicate with Experian, including providing additional evidence to support my dispute, the inaccurate information remains on my credit report. 

Request for Resolution : I am requesting the immediate correction or removal of the inaccurate XXXX XXXX account from my credit report. This misinformation is negatively impacting my credit score and financial well-being. 

Enclosed with this letter are copies of previous dispute communications with Experian, as well as any supporting documentation related to the inaccurately reported XXXX XXXX account. 

I appreciate the Consumer Financial Protection Bureau 's attention to this matter and request that you investigate this issue promptly. I also request that you notify me of any actions taken or additional information required to resolve this dispute. 

Thank you for your assistance in addressing this matter.
Consumer complaint received 2024-05-14
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: Experian Information Solutions Inc. (UT)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-14
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. (NV)

Under the Fair Credit Reporting Act ( 15 USC 1681 ), Section 602 emphasizes the crucial responsibility of consumer reporting agencies to handle consumer information with fairness, impartiality, and respect for privacy rights. Experian, as consumer reporting agencies, are obligated to uphold these standards. As a consumer, I have the right to safeguard my private information, as reinforced by 15 USC 6801, which dictates that financial institutions must prioritize customer privacy and confidentiality.

According to 15 USC 1681, Section 604, a consumer reporting agency can only furnish a consumer report with the explicit written consent of the consumer. XXXX, Experian, and any financial institution ( the " Furnisher of information to credit agencies '' ) are not authorized to share my information without my explicit written consent. Therefore, any previous consent, whether verbal, non-verbal, or implied, is hereby revoked. 

Furthermore, 15 USC 6802 mandates that financial institutions must inform consumers of their right to opt out of information disclosure to nonaffiliated third parties. However, the " Furnisher of information to credit agencies '' failed to provide me with this option. Additionally, according to 15 USC 1681C, consumer reporting agencies are prohibited from including adverse information in consumer reports without authorization. Yet, they continue to report adverse information about my account without my consent, violating the law. 

Moreover, 15 U.S. Code 1681s2 ( A ) ( 1 ) prohibits the furnishing of inaccurate consumer information to consumer reporting agencies, while 15 U.S. Code 1681e requires consumer reporting agencies to maintain reasonable procedures to prevent violations and limit the use of consumer reports to authorized purposes. XXXX and Experian are evidently failing to uphold these standards. 

Lastly, 12 CFR 1016.7 guarantees consumers the right to opt out of reporting services at any time. Therefore, I am exercising my right to opt out of your reporting services.
Consumer complaint received 2021-02-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (TX)

On XX/XX/XXXX I received a notification from the credit bureaus in regards to a unknown collection account from Credit Management XXXX XXXX in the amount of {$940.00}. I have no knowledge of this account nor do I have a contract with this company. I reached out the to company and asked for debt validation and to send my a signed contract with my signature and the agent disconnected the call. Contract callers attempted to collect on this fraudulent account as well and they weren't able to validate the debt it was removed from my credit file XX/XX/XXXX. Credit management purchased this fraudulent account XX/XX/XXXX and just reported it on my credit files XX/XX/XXXX. Credit management needs to validate this account with a signed contract with my original signature to show dates when this account was open. I've been on XXXX XXXX over and haven't been in the states I need to know who's using my information to open fraudulent accounts so that I can file charges with the proper authorities for identity theft.
Consumer complaint received 2024-05-14
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. (FL)

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 XXXX  days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in XXXX XXXX XXXX ( XXXX ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2019-04-19
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (MN)

Dear Onemain I recently disputed some inncorrect information on my credit report with XXXX and they claim that the infomation was reporting correctly on the credit file and was Verified I'm going to need for You to tell me who you spoke with at XXXX  what Information did they send to you reguarding the dispute. also if you could please send me what you sent back to them also a copy of the credit application with my signature attached. Thank you so much ...
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

PLEASE BLOCKED AND REMOVED I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.
Consumer complaint received 2024-05-14
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. (AZ)

Pertaining to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Furnishing False Statements on consumer 's Credit Report as well as committing Mail Fraud sending consumer Unauthorized Solicitation, like fake invoices to the consumer in regards of making the consumer reliable for a fraudulent debt payment which is the responsibility of XXXX.
Consumer complaint received 2019-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK (OK)

Hello, Upon looking at my credit report i see an inquiry was made on XX/XX/2018 and XX/XX/2018 from XXXX XXXX XXXX I did not authorize this inquiry and don't recognize or have any relationship with discover. I Have a security freeze on all my credit report which require anyone to verify with me with me if anyone is attempting to use my Social security before opening any new account. I am asking that this inquiry be removed from my report immediately. Thank you.
Consumer complaint received 2024-05-14
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. (NV)

Under the Fair Credit Reporting Act ( 15 USC 1681 ), Section 602 emphasizes the crucial responsibility of consumer reporting agencies to handle consumer information with fairness, impartiality, and respect for privacy rights. Experian, as consumer reporting agencies, are obligated to uphold these standards. As a consumer, I have the right to safeguard my private information, as reinforced by 15 USC 6801, which dictates that financial institutions must prioritize customer privacy and confidentiality.

According to 15 USC 1681, Section 604, a consumer reporting agency can only furnish a consumer report with the explicit written consent of the consumer. XXXX, Experian, and any financial institution ( the " Furnisher of information to credit agencies '' ) are not authorized to share my information without my explicit written consent. Therefore, any previous consent, whether verbal, non-verbal, or implied, is hereby revoked. 

Furthermore, 15 USC 6802 mandates that financial institutions must inform consumers of their right to opt out of information disclosure to nonaffiliated third parties. However, the " Furnisher of information to credit agencies '' failed to provide me with this option. Additionally, according to 15 USC 1681C, consumer reporting agencies are prohibited from including adverse information in consumer reports without authorization. Yet, they continue to report adverse information about my account without my consent, violating the law.

Moreover, 15 U.S. Code 1681s2 ( A ) ( 1 ) prohibits the furnishing of inaccurate consumer information to consumer reporting agencies, while 15 U.S. Code 1681e requires consumer reporting agencies to maintain reasonable procedures to prevent violations and limit the use of consumer reports to authorized purposes. XXXX and Experian are evidently failing to uphold these standards. 

Lastly, 12 CFR 1016.7 guarantees consumers the right to opt out of reporting services at any time. Therefore, I am exercising my right to opt out of your reporting services.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

PLEASE BLOCKED AND REMOVED It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely appreciated.
Consumer complaint received 2024-05-14
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: Experian Information Solutions Inc. (IN)

I was trying to get a car and I realized I had damages on my credit report according to the 15 USC 1681 Law there shouldnt be any damages on my reports for its an defamation to my character.
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXX # XXXX # XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN XXXX Experian XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2024-05-11
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. (SC)

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had XXXX late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XX/XX/2024 XXXXXXXX XXXX  ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2023-01-12
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Credence Resource Management, LLC (GA)

This company repeatedly calls me XXXX or more times a XXXX XXXX XXXX ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. 
If proper validation of this alleged debt is not provided within XXXX calendar days of receiving this notice, I will assume this alleged debt to be invalid and you shall delete this account and stop all collection activities regarding this account. 

Furthermore, you do not have any jurisdiction or authority to even collect on this alleged debt. 
FDCPA 811 [ 15 USC 1692i ] Legal actions by debt XXXX ( a ) Venue Any debt collector who brings any legal action on a debt against any consumer shall -- ( XXXX ) in the case of an action to enforce an interest in real property securing the consumer 's obligation, bring such action only in a judicial district or similar legal entity in which such real property is located ; or ( XXXX ) in the case of an action not described in paragraph ( XXXX ), bring such action only in the judicial district or similar legal entity -- ( B ) in which such consumer resides at the commencement of the action.

( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors.

By the way, if you ever decide to turn this alleged debt over to an attorney to collect and violate my rights under the FDCPA 15USC 1692 even further, just keep in mind that an attorney can not be a debt collector and a debt collector can not be an attorney.

FDCPA 807 [ 15 USC 1692 ( e ) ( 3 ) ] False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The false representation or implication that any individual is an attorney or that any communication is from an attorney.
Consumer complaint received 2015-11-04
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (FL)

I do have a Mortgage with NationStar Mortgage. After having them modified the loan in XXXX 2013 where I started making payment. On XX/XX/XXXX of the same year I have my XX/XX/XXXX payment returned. When I contacted them, they informed me it was because the mortgage went up and my payment was not sufficient to pay the new mortgage amount. I have never received any letter telling any thing about me that. Since then, the account is a mess and they have no desire to fix event though I made several request for that. Now I am afraid because I do not know when they will come and kick me and my family out of the house. To finish with this situation and have, my family and I, peace of mind, I decided to sell the house. It is at this point that I was informed that I have second mortgage on the house which I have never requested and know about it. Even if I sell the house for the amount of {$290000.00} I can not pay off the loan that was originally for about {$180000.00}. I like my house and it is the only one I have to live with my XXXX ( XXXX ) kids. I need help to solve this situation that last too long due to a miscommunication on the part of the lender. I did all I can but with no solution because the Mortgage Company does not want to find a solution even though I can pay for my mortgage. I work so does my husband. And with both income we can easily make our monthly payment, but NationStar Mortgage refuse all my proposition for solution. 
I have more to say about this Mortgage Company, but I save them for later.
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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.

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 2024-05-14
Product: Credit card — General-purpose credit card or charge card
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. (LA)

Timely payments are always a priority for me, and I am certain about this. However, I am unsure why this company is reporting me as late in certain months, which should not be the case. According to USC 1666b, any billing error should be corrected, or they will be liable to pay me {$1000.00} for each account reporting inaccurately.