davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (NC)

This is a follow up to a previous complaint. XXXX XXXX XXXX with Flagstar bank is still asserting that there was a lapse in flood insurance has Flagstar bank has not fully refunded the lender placed insurance. 

Please note THERE HAS NEVER BEEN A LAPSE IN FLOOD INSURANCE AT THE PROPERTY AS EVIDENCED BY THE ATTACHED 3 YEARS OF FLOOD INSURANCE DOCUMENTATION. 

Also please note the attached documents have been submitted to Flagstar bank several times. 

I am requesting a full refund of all lender placed insurance premiums that have been charged to my account since its inception. 

I am also requesting CFPB take action against Flagstar bank for willful refusal to refusal to refund the premiums when provided with evidence the property did not have a lapse in coverage as required by law. My family is continuing to experience financial consequences due to the escrow acct not being accurate. We have had to make additional advance mortgage payments to ensure our account is not reported as delinquent due to the payment amount discrepancies. 

XXXX XXXX XXXX
Consumer complaint received 2024-03-12
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX XX/XX/24 Subject : Dispute of Inaccurate Information in My Credit Report. 

Whom it may concern, I am writing to dispute the accuracy of certain information in my credit report. The details are as follows : 1. Account Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Issue : Inaccuracies, Late payments I request that you conduct a thorough investigation and correct any inaccuracies promptly. Please provide me with the results of your investigation within the legally mandated time frame. If proof can't be provided, I demand it be DELETED IMMEDIALTY. Thanks! Please see screenshots attached : Enclosed, please find copies of relevant documents supporting my claim. I appreciate your attention to this matter and your commitment to ensuring accurate credit reporting. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This are unauthorized inquiries along with incorrect addresses and phone numbers. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-08
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. (DE)

On XX/XX/2023 I purchased a car from XXXX XXXX in XXXX Delaware. 
I paid cash for the vehicle, writing a personal check which the dealership accepted. 
The documentation was done electronically. When presented with a screen regarding a credit check, I specifically stated I was not consenting to a hard credit pull, as I was paying cash for the car. 
I was told it would be a soft pull. I again reiterated that I did not consent to a hard credit pull. 
Received a disclosure dated XX/XX/2023 that a hard credit pull was obtained from Equifax. On the disclosure it states my credit score was XXXX. Upon checking my credit score with Equifax today, the score has dropped to XXXX. Nothing else in my credit history has changed. I have been harmed. 
I called XXXX XXXX and was told that there was nothing they could do about it. The finance XXXX stated that making hard pulls was part of their process and they pull hard credit scores for all customers, whether or not they are paying cash or financing. 
I asked him again if they do this for all customers, regardless of if they are financing or not. He affirmed they do. 
I was the hard credit pull removed.
Consumer complaint received 2023-09-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2022-10-24
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: Experian Information Solutions Inc. (TN)

I am submitting this complaint because this organization is reporting inaccurate unfair information on my consumer report. On XXXX I became aware that this company furnished an account on my consumer report that has never been verified. I also do not recognize this account and I was never notified by this company that they were attempting to collect a debt. I do not know were this debt came from and it may even be fraudulent. I never gave this company consent to have my private information. 15 USC 1692 Congressional findings and declaration of purpose states that there is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. My privacy has been violated because my information is being shared by 3rd party companies without my consent.
Consumer complaint received 2023-09-08
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: EQUIFAX, INC. (TX)

I'm writing to express my concern regarding some inconsistencies in my credit report that I've found. I am attaching copies of all letters sent below. 

Although I was not expecting these errors, I am confident that your system will be able to fix them. I recognize that maintaining reporting accuracy is a crucial component of your organization 's mission, and I trust you to address these inconsistencies and make the necessary corrections. 

Such errors in my credit report are concerning, and I think other clients might experience the same emotions if they encounter a similar circumstance. To increase transparency and regain the public 's trust, I believe it is our collective responsibility to swiftly rectify such errors. To hasten the resolution, I am prepared to offer any further details you may need.

The Fair Credit Reporting Act ( FCRA ), particularly sections 611 and 608, I believe offers consumer protection in such circumstances, so I will make sure to mention that. In accordance with Section 611, you have 30 days to conduct an investigation after we dispute any inaccurate or incomplete information. A credit reporting agency is required by Section 608 to offer consumers a free copy of their file once a year upon request.

The foundation of our financial system is made up of credit reports, and any errors can have serious repercussions. Therefore, it is crucial to fix these mistakes right away. By taking prompt action, I believe we can not only solve this problem but also stop similar occurrences in the future, protecting the integrity of the system.

Despite the difficulties, I am still certain of your dedication to truthful reporting, which I believe will help to speed up a resolution and restore my faith in your company.

I appreciate your compassion and your prompt attention to this issue.
Consumer complaint received 2023-08-06
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. (TX)

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

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.

18 U.S.C. 894- ( b ) ( b ) In any prosecution under this section, for the purpose of showing an implicit threat as a means of collection, evidence may be introduced tending to show that one or more extensions of credit by the creditor were, to the knowledge of the person against whom the implicit threat was alleged to have been made, collected or attempted to be collected by extortionate means or that the nonrepayment thereof was punished by extortionate means.

Experian claimed this is accurate for many months especially I circled in the attached file. How it can be accuracy when I knew it is not accurate so obviously they take creditor 's words over me like my life being in control in the wrong hands.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2023-09-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2018-10-18
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: JPMORGAN CHASE & CO. (FL)

1. Sometime early XX/XX/XXXX after moving to the USA from XXXX I lost connection to my online Chase accounts. I received letters from Chase concerning strange activities on the account but was unable to identify what these were until Chase sent me a detailed account in XX/XX/XXXX. It was then I noticed the suspicious activity ( deposits and expenses ) on both credit cards. 
2. Before sending the statement Chase had suspended the cards and I subsequently shredded the cards. 
3. I communicated in writing to Chase Credit Card Services about my concerns but they never replied. 
4. I never made the deposits or the expenses I have identified as fraudulent.

5. Having not worked since XX/XX/XXXX, when I resigned from the Federal Government, there is absolutely no way I could have made a deposit in the magnitude that is reflected on those credit card statements. 
6. A study of my purchasing pattern would also reveal that I have never made purchases in the magnitude reflected on those statements. 
7. I have had these cards for several years and I have never had a late payment on them, before this situation developed.
Consumer complaint received 2024-03-12
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)

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 XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX {$410.00} Account Name : XXXX Account Number : XXXX {$520.00} Account Name : XXXX XXXX Account Number : XXXX {$570.00} and list of Inquiries. 


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 2023-09-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Dovenmuehle Mortgage, Inc. (FL)

I had to sue dovenmuehle mortgage for the rectless loan servicing scam they structured, in order for them to default me and foreclose on my property to steal the equity, as this loan servicer is a predatory loan servicer criminal organization. see attached to complaint. they tryed to foreclose and default me for over XXXX years, even though my mortgage and addiotional bills are been paid. this is part of there criminal actions and discrimination against my household.
Consumer complaint received 2024-03-12
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 appreciate you making the effort to delete some of the data on my credit report, but there are still some accounts that need to be removed. The Credit Bureaus must verify these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be deleted as soon as possible XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2023-07-13
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/1981 Dear Sir/Madam, I am writing to dispute several items on my credit report that are inaccurate or incomplete. I am emotionally distressed by these errors and request your immediate attention to these issues. 



The following accounts have been reported incorrectly on my credit report : XXXX XXXX XXXX XXXX Late Payment Account XXXX XXXX XXXX XXXX  XXXX Late Payment Account XXXX XXXX XXXX XXXX Collection Account XXXX XXXX XXXX Collection Account XXXX & XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Collection Account XXXX XXXX XXXX  Collection Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX  XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Charge Off Account XXXXXXXX XXXXXXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXXXXXX XXXX Charge Off Account XXXX XXXXXXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX  XXXX Collection Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX XXXX Off Account XXXX  XXXX Charge Off Account XXXX XXXX  XXXX Collection Account XXXX XXXX  XXXX Collection Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX  XXXX XXXX Account XXXX XXXX  XXXX XXXX Account XXXX XXXX  XXXX Collection Account XXXX XXXX XXXXXXXX Collection Account XXXX XXXX XXXX Collection Account XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Collection Account I dispute these accounts as they contain incorrect and incomplete information. I request that these accounts be investigated and corrected or removed from my credit report immediately. 



Furthermore, I would like to bring your attention to the Fair Credit Reporting Act, which requires credit bureaus to ensure the accuracy of the information they report. The act also entitles me to dispute any inaccuracies and receive a response within 30 days. 



I expect a prompt response from you regarding the above issues, and I request that you provide me with a written confirmation of the actions taken to rectify these errors. 



Thank you for your immediate attention to this matter. 



Sincerely, XXXX XXXX
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX 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 2020-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have had my student loans for over 10 years. In that time period, I have never had a late payment on any of my loans. During the 2019 year I placed a loan with Dep of Ed/XXXX in forbearance. Unbeknownst to me, this loan came out of forbearance and I was never contacted regarding its status. Every account that I have with XXXX  is on automatic payment however somehow this account was not.It appears that XXXX had made a mistake with a double charge in my past and in order to prevent that in the future perhaps autopay was turned off on this account. XXXX allowed this to continue for 3 months without my knowledge and then reported a 90 day delinquency on my credit report during the time I was trying to purchase a home and completely destroyed my credit. All I have asked XXXX to do is take a payment for this loan and repair the report so that it is not showing on my credit as a late/delinquent charge. XXXX will happily take my money but refuses to give me any information regarding the status of their reporting to me and are forcing me to go directly to the credit bureaus to file a complaint. How can a company be so brazen in their handling of a student just trying to get by.
Consumer complaint received 2024-03-12
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. XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, and XXXX XXXX XXXX Account # XXXX 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 crime 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. All have attempted to collect money from me illegally and isn't even licensed to do so in my State.