davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-01
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

Sign Cash for keys processing faster. I 'm ready clear house. And I 'm waiting for bank to check the house. They give me a dead line.XX/XX/2017. But I need them to come and check the property. I CANT LEAVE TILL I GET MY CHECK.
Consumer complaint received 2023-06-05
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. (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.
Consumer complaint received 2024-03-07
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NJ)

I am writing to you in the strongest possible terms regarding the fraudulent accounts currently tarnishing my credit report. It has come to my attention that there are accounts on my credit report that are the result of identity theft and fraud. I demand immediate and aggressive action to rectify this egregious error. XXXXXX/XX/XXXX
Consumer complaint received 2022-12-22
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. (WI)

After reviewing the FCRA ( which governs how information is furnished in a consumer report ) as well as consumer law, it has come to my attention that your company is violating the law ( s ) set in place to protect the consumer. Last time I checked, company policies do not trump federal law. If this is the case, send me documentation ( s ) supporting the claim.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2022-12-22
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: EQUIFAX, INC. (WI)

After reviewing the FCRA ( which governs how information is furnished in a consumer report ) as well as consumer law, it has come to my attention that your company is violating the law ( s ) set in place to protect the consumer. Last time I checked, company policies do not trump federal law. If this is the case, send me documentation ( s ) supporting the claim.
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (NC)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX XXXX Balance : {$6100.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$20000.00}, XXXX XXXX  XXXX Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX XXXX  XXXX Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/2022 & XXXX XXXX Date of Inquiry XX/XX/2022,
Consumer complaint received 2024-03-07
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. (CA)

The account that was charged off is being inaccurately reported on my credit report. After multiple tries to dispute there were no changes made to the accuracy of the information. I settled the account on XX/XX/2024. The information being reported is stating I owe a balance. The original Lender has sent me a letter stating the account was settled and there is no balance owed. I provided that information to the credit reporting companies and the information is still inaccurate. That is a violation of my rights under the FCRA.
Consumer complaint received 2022-12-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (FL)

XXXX XXXX  XXXX ( XXXX XXXX I, XXXX ) www.cavps.com has been pursuing me for {$320.00} they claim I owe Macys. I believe the whole bill stems from a miscalculation in XXXX that accrued over {$300.00} of interest charges, it was not any purchase I made. In any event, the charge off date was XX/XX/XXXX. 

They have been harassing me for years. I told the previous collection agency, XXXX, that this debt was not mine and I told XXXX the same thing. They continue to write me and it is very upsetting. I am XXXX XXXX XXXX. I live on a small social security income and my husband passed away during XXXX. I have asked them to leave me alone but they will not. I dont know what else to do.
Consumer complaint received 2023-06-15
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: EQUIFAX, INC. (LA)

Have some accounts that arent mine and I have attached my dispute letter along with my ID and social security card along with a copy of my FTC. I been trying to get this company to get this taken care of but every time I call i gets routed overseas and no one can access my file.
Consumer complaint received 2024-03-07
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. (OR)

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-05
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. (AL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AL XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-05
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. (OH)

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. 

XXXXXXXX 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 Has violated my rights. 

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

15 U.S.C 1681 Section 604 A. section 2 : it also states that a consumer report 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-05
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-06-05
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. (AZ)

In accordance with the Fair Credit Reporting Act 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 XXXXXXXX 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 an account without my written instructions.
Consumer complaint received 2023-06-05
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. (FL)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTION
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

I am writing to express my deep frustration and dissatisfaction regarding the persistent presence of unauthorized inquiries on my credit file. Despite multiple attempts to rectify this issue, the unauthorized inquiries continue to negatively impact my credit score and financial reputation.

I discovered several inquiries that I did not authorize or recognize. Since then, I have made numerous attempts to have these unauthorized inquiries removed from my credit file. I have submitted formal disputes, provided supporting documentation, and followed all prescribed procedures outlined by your agency. However, despite my diligent efforts, the unauthorized inquiries remain unresolved. 

The presence of these unauthorized inquiries not only undermines the accuracy and integrity of my credit report but also raises serious concerns about the security of my personal information. As a responsible consumer who diligently monitors their credit report, I find it unacceptable to be unfairly penalized for inquiries that I did not initiate or authorize. 

Furthermore, the lack of progress and communication regarding the status of my dispute only adds to my frustration and erodes my trust in your agency. I have not received any updates or explanations regarding the reasons for the delay in resolving this matter, leaving me feeling disregarded and powerless in protecting my financial interests. 

I demand immediate action to investigate and rectify this situation by removing the unauthorized inquiries from my credit file without further delay. Additionally, I expect transparent communication and regular updates regarding the steps being taken to address this matter. 

I trust that you will take this matter seriously and prioritize its resolution to avoid any further escalation. With this, I am asking for your assisstance to remove these unknown inquiries in my credit file : XXXX XX/XX/XXXXXXXX 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 2024-03-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRUHOME SOLUTIONS, LLC (MO)

I got a notice from the mortgage company, TruHome Solutions , LLC on XX/XX/XXXX threatening to force place insurance if I didnt have my insurance company send the mortgage company a copy of my declaration page. I emailed my insurance agent and asked them to send the declaration page to the mortgage company. I checked my insurance account and the mortgage company had not made a payment. I was confused since I escrow so I called the mortgage company phone number on the letter. After calling, they told me that the mortgage company had changed their address and that was why they probably didn't receive the declaration page and that it was my responsibility to get them the deceleration page and tell my insurance company about the address change. They also said I could email them the policy. I immediately downloaded the declaration page and emailed it to the address I was given by the mortgage company customer service. The next day I heard back from my insurance agent and they also sent the declaration page to the mortgage company. Today, XX/XX/XXXX, my insurance agent called me and said that the insurance is past due and that the mortgage company still has not sent payment.
Consumer complaint received 2023-06-05
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. (CA)

I reviewed my Consumer Reports and noticed that I had erroneous reports on an account that I was sure I paid on time. 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 on payments for this account : XXXX XXXX XXXX : {$260000.00}
Consumer complaint received 2022-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

Hello, I have submitted a request to remove XXXX XXXX from my credit report to Experian Credit Reporting due to this account being over 7 years old, and they have not removed it. I am being told I can only request removal once. Account opened on XX/XX/2015. I will upload supporting documents. I would like this account completely removed from all credit reporting agencies right away, and showing a updated on my. Credit report asap. Thank you for your time.
Consumer complaint received 2023-01-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (OR)

PHH serviced a mortgage for me. 

I sold the home on XX/XX/XXXX. The escrow company, XXXX XXXXXXXX XXXX XXXX sent a wire to PHH on the same day to pay off my mortgage.

PHH returned the wire on XX/XX/XXXX, so XXXX XXXXXXXX XXXX XXXX resent the wire for the payoff. PHH returned the wire again on XX/XX/XXXX. XXXX XXXX XXXX XXXXn ended up sending PHH a check for the payoff on XX/XX/XXXX. XXXX XXXX XXXX XXXX took a loss because of the returned wires of {$430.00} PHH is charging me a late fee since my mortgage was not paid off by XX/XX/XXXX. 

I called PHH and spoke to XXXX. She was unable to answer my questions and there wasn't a supervisor available. 



Thanks!
Consumer complaint received 2023-06-05
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)

I filed a dispute with experian and XXXX XXXX XXXX XXXX XXXX multiple times, letting them know that I am a victim of fraud, experia refused to block this information from my credit report, even after knowing that I am a victim of fraud, everytime I dispute these two accounts experian says that the accounts have been validated, I didn't authorize for an account to be opened in my name, I want to know what information was used to verify this debt, I need the original application showing my signature, I need validation of the debt showing that it belongs to me. I do intend to file suit if this account isn't removed within 7 days from my credit report.
Consumer complaint received 2023-06-05
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. (CA)

This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance {$170.00} XXXX XXXX Balance {$2000.00} XXXX XXXX Balance : {$7600.00} XXXX XXXX Balance : {$2500.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$170.00} XXXX  XXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXXXXXX Balance : {$7600.00} XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX  XXXX XX/XX/XXXX