davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-21
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)

MY PERSONAL INFORMATION WAS STOLEN 2019 AND REPORTED. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2017-11-09
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC (WA)

Long story short. I was in a substantial XXXX XXXX XX/XX/XXXX. We were XXXX XXXX XXXX XXXX XXXX. I have a XXXX XXXX XXXX XXXX XXXX. I was out of work for several months. I have some savings left and made Ditech a settlement offer for approximately {$10000.00} less than what i owed. They treated it like a Short Sale and buried me in paper work, kept telling me I did n't send them my signed XX/XX/XXXX tax return. I sent it 3 times. They told me they never received it. After months of going back and forth, they denied to have the underwriter look at it. I dealt with numerous employees at Ditech none were cooperative or helpful. XXXX XXXX their Manager told me he had sent the papers in at one point. Lies, Delays and denial. I told them all this was not a Short Sale it was a settlement offer. I 've been in this home 22 years. I never missed a payment. I just wanted the debt off my back while I 'm healing. Recently I cancelled my escow, They sent me a letter telling me I needed to pay my taxes so I did. They sent the taxes as well. Now I have {$3100.00} tied up in their escrow trap and they are delaying sending the check. They said they wired it to The XXXX XXXX XXXX. The treasurer told me they never got it and that they would not get involved. I am so sick of this company and their customer service. I do n't need the extra stress in my life after my accident. Can you please help? I have since paid off my mortgage, but I ca n't get anyone to help me get my escrow money back. Thanks XXXX XXXX XXXX Ditech customer # XXXX
Consumer complaint received 2024-05-21
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. (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 2024-05-21
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)

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 2024-05-21
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. (NY)

My XXXX XXXX DROPPED XXXX points for no reason. it went from XXXX to XXXX overnight. It is impossible to speak with someone, the automated system is horrible, just keeps looping. 
This happened to my husband too. The score just suddenly dropped. His score dropped from XXXX to XXXX. We have excellent credit, the other XXXX show a score of XXXX as well. all the reports show excellent, but why did my score drop so much, overnight. 
He has tried and tried to contact someone, again impossible. Experian wants you to XXXX XXXX. This is extortion in my opinion. They also want your bank account username and PASSWORD. There is no way I will allow that in today 's hacking environment. Something has to be done.
Consumer complaint received 2024-05-21
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. (NY)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2019-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XX/XX/XXXX I ordered XXXX XXXX XXXX XXXX XXXX XXXX from XXXX through the seller XXXX XXXX. 


This was shipped to my workplace It was delivered on XX/XX/XXXX. 


This is exactly what I received. The box was not damaged, but the box inside looked like it had been tampered with. 




I filed a claim through XXXX on XX/XX/XXXX with the pictures I had just sent you. The seller replied that they shipped directly from XXXX, but no one from XXXX ever contacted me. The seller stopped contacting me completely after that. 


I then contacted XXXX and on XX/XX/XXXX they sent me a return label. 




I returned the item. It arrived there on XX/XX/XXXX. 




On XX/XX/XXXX, I called XXXX because they had not reached out to me Hi Thank you for contacting XXXX. If the seller does not respond within 2 business days, please reply me in the email and I will send a request to our XXXX support team so they can expedite this. Thank you in advance for your patience. 




The seller had never replied and at this point I had to escalate it to a chargeback through Bank of America on my cash rewards card.. 



A month goes by and I receive a letter asking for more details and a second opinion letter from another merchant. I can not get the second opinion letter since I sent the item back already. 

I send the information asked of me. ( essentially the summary of events with pictures ect ) Two days ago I get a claim denied notice. 

I call today and informed because I filed it under " Item not received '' and not " Item not as described '' that my claim was being denied and there's nothing I can do.
Consumer complaint received 2019-06-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/19 Wells Fargo allowed a washed check to go through for {$400.00} that was not authorized and should not have gone through. They are refusing to take care of the issue stating that it is my signature. That is how a washed check works. I have been with Wells Fargo for 20+ years and if this is not resolved I will be closing my account.
Consumer complaint received 2023-09-13
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. (MD)

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 : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 2024-07-08
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. (FL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-05-21
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. (NY)

Despite three written requests and a formal complaint, the unverified items listed still remain on my credit report in violation of Federal Law. Experian is required under the FCRA to have documentation on file to verify that this information is mine and is correct. In the results of their investigations, they stated in writing that they " verified '' that these items are being " reported correctly ''. Experian has NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ) which under Section 611 ( a ) ( 7 ) they were required to provide a description of reinvestigation procedure by no later than 15 days. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to " ... promptly DELETE all information which can not be verified. '' I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed in the previous letters are not deleted immediately. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if Experian fails to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2019-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (MD)

Between XXXX XXXX 2019, a comment " Account information disputed by consumer, meets FCRA requirements '' was added to our mortgage. Subsequently it lowered our score by double digits just as we were looking to finance the purchase of a new automobile. No account information was ever disputed. We had asked that they provide the correct address to our insurance agent because the previous one was not valid and led to the premium not being paid on time from escrow. ( see attachment " Untitled.jpg '' ) This issue began after the account was transferred to the servicer and the company failed to notify us that they did not have the policy information. A three-way call between the mortgagee, servicer and agent was necessary ensure the servicer provided the correct information then paid the claim out of escrow. 

We went through this bizarre issue just last year last year when another comment lowered our score as the property was designated as " Affected by natural disaster '' when no such insurance claim or official government designation was made. ( see attachment " Untitled 001.jpg )
Consumer complaint received 2019-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (AZ)

XXXX XX/XX/2019 {$26.00} XXXX cash rewards, Recurring charges since XXXX. I have called in over 15+ times. I have asked for someone who speaks English. I have asked for a supervisor every time. I am told customer service does this job. I call customer service, and they tell me I need to talk with Fraud. I call Fraud, and I verify myself. I explain whats going on, and I am told they can not help me. I ask for a Supervisor again, I get XXXX she has no idea whats going on, why I am calling and says she can not help me. I have been calling since XXXX. The reoccurring charge keeps happening and now there is more Fraud.
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report XXXX XXXX XXXX XXXX. Also, I want these late payments deleted from my account within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXX XXXX XXXX. Please repair and update immediately.
Consumer complaint received 2024-05-21
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. (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. 
I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX  XXXX XXXX account # XXXX, dept of educationXXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 2019-06-24
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (MI)

I have an Amazon.com store card. Amazon, for no reason charged my account for multiple items I had previously returned which they had credited. I purchased an item for a set price on the website and was charged a greater amount than advertised. I purchased a shower door on Amazon and hired Amazon Home to intall it and it was not installed properly. I paid for Amazon Prime for a year in advance and Amazon refuses to accept a valid return or allow me use of my prime membership. My account was always current, close to being paid off before this problem. I have talked to Amazon customer service representatives and representatives from Synchrony Bank/Amazon for asssistance resolving this problem, without success.
Consumer complaint received 2023-01-24
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: Phillips & Cohen Associates, Ltd. (FL)

XXXX XXXX is accusing me of having an account with them. I first started sending them debt validation letters starting XX/XX/XXXX. XXXX XXXX responded XX/XX/XXXX, stating that they " received a internet application from me, on XX/XX/XXXX and the last payment on the account was on XX/XX/XXXX for {$630.00} ''. I sent XXXX XXXX a proof of contract letter on XX/XX/XXXX. XXXX XXXX responded on XX/XX/XXXX stating that " unfortunately the do not have a copy, paper copy or signature copy of any account with them. XXXX XXXX is Accusing me of a debt that I never had and they do not have proof of contract that I even applied for the services. To add to my hard times XXXX XXXX Negatively affecting my credit reports and score. They have now sold the debt to PCA Acquisitions V , LLC ( PCA ) XXXX XXXX XXXX XXXX XXXX XXXX Harassing me for a debt of {$520.00}.
Consumer complaint received 2024-07-11
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)

My account with XXXX XXXX, XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX, XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in months that are reported late to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX, XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-05-21
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.

I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.