davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report. XXXX andXXXX  XXXX XXXX XXXX.
Consumer complaint received 2023-09-11
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NATIONS DIRECT MORTGAGE, LLC (IL)

I am writing to address a significant concern regarding the recent disbursement of funds from my escrow account. On XX/XX/2023, a payment of {$4300.00} was made to my local county from my mortgage account. However, there is a critical discrepancy that needs immediate attention. A letter was sent to the company on XX/XX/2023, notifying them that I am exempt from property taxes due to my 100 % XXXX veteran status. This exemption should have been recognized, and no taxes should have been withdrawn from our escrow account. My wife and I have made numerous attempts to rectify this situation by contacting their customer service department daily. Regrettably, we have received conflicting information regarding the resolution process. Initially, we were informed that a refund check would be issued within a week. However, we have since been told that we must maintain a balance of {$5500.00} in our escrow account to receive a refund. It is essential to emphasize that withholding funds from our escrow account is both concerning and unlawful. Illinois state laws clearly outline the exemption status for XXXX veterans, which should have been acknowledged and respected by Nations Direct Mortgage. We request immediate attention to this matter. It is of utmost importance that the incorrect disbursement of funds be corrected promptly, any withheld amounts returned to our escrow account, and a check written to us for the amount. We also seek clarification on the conflicting information regarding the escrow balance requirements.
Consumer complaint received 2024-05-29
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. (CA)

recently reviewed my Consumer Reports and noticed that I had a late payment reporting from XXXX when in fact I was NEVER late on that account. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have NEVER been late for the account ( Creditor : XXXX # XXXX ). Please investigate and provide Proof with statements showing that this payment was late. If proof can't be provided I demand this payment be updated to ON TIME as it should be as I was NEVER late!!! 

Also, When looking at this account, I noticed that the Open Date, High Credit, Last Reported Dates and Last Active Dates, as well as Dates of Last Payment all vary between the 3 bureaus ( XXXX, XXXX and Equifax ). -- See attachment with above circled in red... 

In short, under 15 USC Section1681e ( b ) ( b ) Accuracy of Report Whenever a Consumer Reporting Agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I know that under 15USC 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation Thanks for your help in this matter!!!
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I paid this account off in XX/XX/year>. They reported late payment last week. This account is paid and closed. It knocked my credit score down XXXX plus points because of this incorrect reporting. Its been over 5 years since I paid this account off. I contacted the credit reporting department and they said that since it was late during my payment plan, it still reports after it has been paid off and closed. This is false! They havent reported anything since 2019 and just reported incorrect, negative information to two different credit bureaus. Thats not fair! The company is XXXX XXXX in XXXX GA.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-08-05
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)

I am writing to express my profound dissatisfaction and concern about the repeated and unsuccessful attempts I have made to remove fraudulent items from my credit report with Credit Bureaus. Despite providing extensive documentation and evidence, these fraudulent items persist on my credit report, causing significant harm to my financial standing. I initially reported the fraudulent items and since then, I have submitted attempts to rectify the situation. Each time, I have supplied the necessary documentation to support my claims, yet I have seen no tangible progress toward their removal. The presence of these fraudulent items on my credit report has detrimentally impacted my financial health, and I am determined to resolve this matter promptly. I, therefore, insist on a thorough and immediate investigation to correct and remove these fraudulent items from my credit report. I trust that Credit Bureaus is committed to ethical and responsible reporting practices that prioritize accuracy and fairness. I believe in the importance of fair and accurate reporting, and I request your support in achieving this. I kindly request a prompt response to this complaint. I am asking for your help to remove the following fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-30
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. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : STATE OF MI OFFICE XXXX : Account Number : XXXX Account Name : STATE OF MI OFFICE XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Home American Mortgage Corp (NV)

We were applying for a new home build. XXXX XXXX wanted me to create two leases- one for the XXXX I live in and one for the XXXX  my sister lives in. We kept saying- there are no leases. My sister and I own a condo together, no mortgage, and she lives in it. I own a XXXX  on my own, it's mine with a mortgage - no lease. They refused to move forward with the loan process unless I supplied leases for the properties. I was even told " it'd just a piece of paper - what's the problem '' by the salesman. I escalated within the company and there was no response except 1 ) to ask for the leases again before the loan could go to underwriting and 2 ) demand I sign the documents saying all documents I submitted were true - as soon as I sent them the leases. We moved to another mortgage company and there was retaliation from XXXX XXXX. How many other people are being required to submit fake documents, afraid they won't get their loans otherwise? If they do it once, they'll do it a thousand times. We would have been at long term risk if we'd given them fake leases and signed the " this is all true '' documents.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

I am filing this complaint personally. After examining my credit report, I noticed late payment entries. Despite sending correspondence more than 30 days ago, I have not received any reply, nor have they adequately verified these entries. I seek your help in addressing this issue.
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TRANSUNION VIOLATED MY CONSUMER RIGHTS PER FCRA 611 ( 15 U.S.C. 1681I ) ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion. 
( I ) a statement that the disputed information has been reinserted. 
( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 

TRANSUNION FAILED TO DO THIS AND AS A RESULT I WANT THIS COLLECTION ACCOUNT FROM XXXX XXXX XXXX DELETED FROM MY CREDIT REPORT IMMEDIATELY OR I WILL BE FORCED TO LOOK INTO CIVIL REMEDY.
Consumer complaint received 2021-01-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (PR)

My loan servicer was XXXX XXXX XXXX with the loan number XXXX. My loan was transferred to a new servicer, Selene Finance LP starting on XX/XX/XXXX. On XX/XX/XXXX I received a letter ( attached ) from XXXX XXXX XXXX  notifying that they are the new loan owners and confirming that Selene Finance are the new servicer and that all things regarding my loan have to be done with the servicer. The letter shows the same loan number that was used by XXXX XXXX. No further information on the loan was specified. The address is the correct one. 

As of today, XX/XX/XXXX I haven't received a single letter or phone call from Selene Finance regarding my loan. I did try to log into their website but the loan information that I have ( that is the one from XXXX  ) is not valid in their system, so right now I'm not able to see anything regarding my loan with them. I wrote three different emails to different email addresses that Selene have on their website and haven't received any answer neither. My email is XXXX and that's the one I used to write the emails to Selene . 

For some really strange reason, their customer service numbers XXXX ( XXXX ) XXXX, and any of the other numbers with 877 prefix, always return a busy tone. I'm from Puerto Rico and the residence on that loan is located in Puerto Rico and I haven't been able to complete a call to any of their customer services numbers from almost 10 different phones including land lines. I contact my previous servicer ( XXXX ) located in California and they call to that same number and the pass through without any issue. We tried the automated system but it doesn't recognize any of the information we provided and we tried customer service but after a while the call drops. I don't want to think that because I'm from Puerto Rico I will not be able to communicate with them. 

Because all of this, I can not make my payments. I don't even have a loan number to make the payments even via regular mail. And I'm really worried about losing my home because of this.
Consumer complaint received 2024-08-05
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 Balance : {$0.00} XXXX XXXX XXXX Balance : {$8700.00} XXXX  XXXX Balance : {$53000.00} XXXX XXXX  XXXX Balance : {$3100.00} XXXX XXXX Balance : {$5500.00}
Consumer complaint received 2024-08-05
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (NY)

This account represent a clear breach of contract and are fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : XXXX XXXX XXXX
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX Open XXXX {$15000.00} XXXX XXXX XXXX Open XXXX {$10000.00} XXXX XXXX XXXX XXXX Open XXXX {$3200.00} These debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and i didn't sign an agreement on. A legal contract is signed by XXXXwo parties and i did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices according to the FDCPA they violated my rights
Consumer complaint received 2024-08-05
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. (NC)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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, 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 reporting agency if the person knows or has reasonable cause to believe that the information is accurate.
Consumer complaint received 2024-07-01
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. (NJ)

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim XXXX XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Employer - XXXX XXXX Incorrect Name : - XXXX XXXX Listed below are the Accounts that are being challenged XXXX - XXXX XXXX  - XXXX Listed below are the Collections that are being challenged XXXX  XXXX - XXXX XXXX  XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX  - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A XXXX  FORM OF XXXX XXXX XXXX OR XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] XXXX  XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX XXXX XXXX XXXX XXXX PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Consumer complaint received 2021-01-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BANCO POPULAR DE PUERTO RICO (PR)

On XX/XX/XXXX, I contacted Banco Popular by phone and email for the payoff amount of my vehicle loan and the following day received the balance valid until XX/XX/XXXX. On XX/XX/XXXX, the full payment was submitted through their website and I informed the bank 's auto department about the final payment. Payment was confirmed and termination was in process. 

On XX/XX/XXXX, AutoPay submitted another monthly payment. I called customer service to have them cancel the AutoPay and requested a refund of the extra payment made by their system as their website does not allow customers to cancel such service. 

On XX/XX/XXXX, I went to the Popular Auto XXXX XXXX branch to collect my vehicle registration renewal that I had to pay even though they have not provided me the title of the vehicle. During my visit, I reiterated about getting a refund for the extra monthly payment taken from my bank account. 

As of XX/XX/XXXX, I have not received the title of my vehicle neither the refund of the payment. The refund should not be taking over 2 months to receive. In 2021, I still receive letters from Popular Auto requesting my insurance policy even though the vehicle loan has been paid off.
Consumer complaint received 2023-08-03
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: EQUIFAX, INC. (LA)

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.