davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (OH)

On XXXX/XXXX/XXXX I filed a Chapter XXXX Bankruptcy due to hardship and trauma in my family. 
While there is a great deal of shame and grief in admitting you are bankrupt, it was our only option to renewing our financial profile. 

My understanding, by law, is that the Bankruptcy would remain for 7-10 years on my credit report. While I have endured the greater portion of this penalty, as I am now in the 9th year of this being held against me, I am now requesting that the Court remove the Bankruptcy from all three of my Credit Reports, including, XXXX XXXX, XXXX, and Experian.
Consumer complaint received 2023-01-02
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (OK)

My home loan is with XXXX and they bought my home loan from XXXX XXXXXXXX Mortgage back in XXXX of 2022, I had paid extra payments into my account to cover tax 's, Insurance in the beginning because I'm a XXXX Vet on a Fixed income. Oklahoma only makes me pay the property tax on the first year, and the money was already there in my Account to cover this first year. When XXXX paid the property tax, they changed my escrow account to a higher amount and pushed up my monthly payment. XXXX was contacted many times about this, and I had also provided them with all necessary information and paperwork. I was promised that my account would not go up and the account would be reviewed. Never was, higher payment was auto drafted from my account. all without my permission on the new rate. Not only this but XXXX has released my information to XXXX callers who want me to refinance with XXXX and cash out my escrow in a new re-finance loan.
Consumer complaint received 2021-03-14
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: AMERICAN HONDA FINANCE CORP (MA)

I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
Consumer complaint received 2023-05-02
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are in direct violation of The Fair Credit Reporting Act XXXX XXXX has violated several of my rights. 

15 USC Section 1681 Section 602 A. Clearly states that I have the right to privacy.

15 USC Section 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without written instructions.

15 USC Section 1666B. A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payments and update thi account immediately as you are in violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2023-05-11
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2023, I submitted a dispute to XXXX, Experian, and XXXX regarding inaccurate information on my credit report. The disputed items are as follows : Despite my submission, XXXX, Experian, and XXXX has not adhered to the requirements of the FCRA in their handling of my dispute. 

I'm reaching out to you today because I'm really upset with XXXX, Experian, and XXXX - the three main credit reporting agencies. 

The Fair Credit Reporting Act- in a section labeled 1681i ( a ) ( 7 ) - clearly states that when a consumer like me asks about their reinvestigation process, these agencies must explain it within 15 days. But I'm still waiting for an answer from them since I made my request on [ date of request ].

There's another issue too. I've found some inaccuracies in my credit report, and I've already informed them about it. Despite this, they haven't removed the incorrect information. This goes against what's outlined in section 1681i ( a ) ( 5 ) ( A ) ( i ) of the Fair Credit Reporting Act. 

Also, they're supposed to ensure that the information they have on me is as accurate as it can be, but these mistakes keep popping up. This isn't right, and it's a violation of another part of the Act - section 1681e ( b ). 

I'm really at my wit 's end here and I'm hoping you can help me resolve this.
Consumer complaint received 2022-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (DC)

reporting information on my rental report as both paid in full and as a write off Legally Per the FCRA a item can not be both " Paid In Full '' and " Charged Off '' the Account XXXX is listed as XXXX XXXX XXXX XXXX /XXXX XXXX XXXX
Consumer complaint received 2023-03-07
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: HOVG, LLC (MD)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 
XXXX XXXX
Consumer complaint received 2023-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENTAGON FEDERAL CREDIT UNION (PA)

In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose Lender is not accurately reporting my credit file with false claims of missed payments.
Consumer complaint received 2023-05-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (MD)

I was sick in XX/XX/2023. I had XXXX  XXXX & requested for Forbearance from XXXX XXXX via Shellpoint Mortgage Servicing LLC, Loan Servicer, but unfortunately, Shellpoint Mortgage Servicing LLC didn't forward my request to Fannie Mae, the Investor of my Loan. I have Doctor 's Letter to support my statement & can be shared, if requested. It's very unfortunate that Shellpoint Mortgage Servicing LLC is Possibly violating Cares Act & may also involved in Possible Discrimination. I strongly believe that Shellpoint Mortgage Servicing LLC is behaving this with me because I am a Minority, Person of XXXX, XXXX XXXX XXXX XXXX. 
I want CFPB to take action against Shellpoint Mortgage Servicing LLC for harassing People of XXXX & Minorities & not proving requested relief as per the Cares Act & start an investigation by Department of Justice for possible Discrimination & possible violation of Cares Act.
Consumer complaint received 2018-03-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (FL)

XXXX sent a debt collection in my name to collections. I discovered the debt only after it reported to my credit bureau reports. I contacted XXXX directly and, they advised I needed to dispute it with the collection agency. I immediately contacted the collection agency and disputed the debt. I found the collection agency to be of no assistance as they refused to accept that the bill was not mine. I hired an attorney to assist me in disputing the debt. Through the attorney, a letter of representation and a request for validation of the debt was sent to the collection agency. XXXX was copied on this correspondence. Shortly thereafter the attorney received a few copies of phone bills as an attempt to validate the debt. A second letter was sent to the collection agency requesting further documentation. My attorney advised the collection agency that, the previous address ( which incidentally was not in the state I live ), the original account holder 's name was not my name, and the telephone number listed on the account was not and never was my telephone number. Upon reaching out to XXXX, it was found that the account was erroneously placed in my name. The original account holder was removed and responsibility was transferred to me. This was NOT done in person or in writing. A contract was never viewed or approved by me. I am NOT familiar with the person whom the account originally belonged to. I have never had an out of state telephone number. My attorney advised XXXX in writing that this account was moved to my name fraudulently. XXXX closed the account and, as far as I know, the phone number would be disconnected or investigated by them. Additionally, the phone that was used was an XXXX and the ISN # on the phone traced via XXXX XXXX. to an account that was reported lost or stolen by the owner. There is no trace of this account being authorized in my name. In fact, I currently have an XXXX and it has been with the same service provider for 8 years. That is the only account XXXX XXXX. has had in my name. The attorney contacted the collection agency in writing with these documented facts from XXXX, XXXX XXXX, and from my current service provider. The collection agency was urged to discontinue collections and remove the debt from my tradeline as it did not belong to me. There is absolutely no evidence or supporting documents to show any contract or permissions were reviewed or signed by me. The debt was removed from my credit report. Until recently I received an alert from my credit monitoring service that the debt was placed back on my credit bureau reports. This is irresponsible and negligent reporting. I have taken the necessary steps to prove this debt is not mine. I incurred costs to ensure this was handled in a professional and efficient manner.
Consumer complaint received 2023-01-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Under 15 US Code 1681a ( 3 ) this medical collection is in violation and can't be on my credit report.

Under 15 U.S.C 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 14 days prior I was not. I can validate this debt. I do not validate this debt.
Consumer complaint received 2023-05-11
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 complaint is my follow-up to make sure that the fraudulent items in my file are deleted. The items that I am disputing have nothing to do with me or have an affiliation with my transactions whatsoever. 

Please remove the following items : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$140.00} XXXX XXXX Balance : {$130.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$600.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX
Consumer complaint received 2022-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Backgound : We are snowbirds and own two homes. Our permanent & billing address is in XXXX. We were in XXXX ( our summer residence ) when my card with Capital One XXXX. The Post Office in XXXX didnot forward the replacement card that Capital had sent to my XXXX  residence. I called Capital about the situation, that we would not be back in XXXX until XXXX due to some health issues. The Capital One employee said no problem, she would issue me a new Card and send it to my Summer home address. 
I received the card, activated it, and used it to purchase groceries on XXXX at XXXX in XXXXXXXX XXXX. While at Walmart making a purchase, my card was denied, while still in the store, I called the Fraud depart at Capital One to let them know that I had the card. I was not asked the typical security questions that would identify me, but instead was told that my card was restricted until I send in : 1.Name & Address ; 2. Phone Number, 3. Proof of address -utility bill 4. copy of my Social Security Card 5 . Copy Front & Back of my Driver 's license. I did not have to furnish that info when I got the card. They wanted me to upload in an Email. I explain that I was not comfortable sending all of my info over the internet, I would mail. I also explained that my SS card was in XXXX in a safe. They would not make an exception. So I mailed everything listed above except SS Card, but put a copy of my Pasport to prove who I was, and mailed it to them by certified mail. That was not acceptable. So when we got to XXXX this month XXXX, I contact Capital One again, and this time I did email everything that they requested. Two weeks go by, I hear nothing, so I called and the goal post has now changed again. The associated said that my Driver 's License was blurry ( I scanned it in, it was not blurry on my end ), and that the utility bill was in my husband 's name, not mine, ( even though he is on the account it didn't matter to this girl ). She now is requesting a copy of my Bank Checking Statement with the whole account number visible!!! I hung up, knowing that they for some reason was not going to lift the restriction. I have been a long time customer 10 plus years, always paid my bill in full and early. I even paid the amount that I owed while my cared is on restriction, why would I do that if I am not the person on the card?? 
Please help me solve this problem. I have reward points on the card that I can't use until the restriction has been lifted. 
PS : I even wrote a letter to General Correspondence Department explaining the situation and crickets from them
Consumer complaint received 2023-01-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently view my credit report an i can see an unauthorized credit inquiry made by XXXX XXXX made on XX/XX/2022 I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above.
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (IL)

I have a mortgage with XXXX XXXX. They are refusing to report this mortgage that I have kept up with on payments, to the credit bureaus. I spoke with agents from XXXX XXXXXXXX XXXX XXXX on XX/XX/2022, XX/XX/2022 and XX/XX/2022. Each time they told me that since I filed for bankruptcy and even though I reaffirmed my mortgage in the bankruptcy process, that they would not report it to the credit bureaus unless I refinance my mortgage with them. My rate is XXXX. The rate will go up if I refinance the mortgage. I am not going to refinance the mortgage. I spoke with XXXX  this morning and they told me that they can see the mortgage but it is suppressed by the lender 's request.
Consumer complaint received 2018-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I have written in to all three major credit bureaus since new public law and child support reporting law was passed back in XX/XX/2017 to have child support removed, XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ; XXXX XXXX XXXX XXXX # : XXXX ; Medical bill # : XXXX, XXXX  # : XXXX these accounts have not been verified or invalidly reporting due to inaccurate information and not belonging to me.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (CO)

Subject : Urgent Request for Investigation and Deletion of Incorrect Charge-off Report SYNCB CARE CREDIT I am writing to challenge and urgently request the removal of incorrect and unauthorized charge-off entries listed on my credit report by a third-party collection agency. These entries have significantly compromised my financial status, preventing me from obtaining a home mortgage, an auto loan, and additional credit lines. 
It is important to note that I have no contractual ties with this collection agency. Their reporting of charge-offs on my account, which I never authorized, lacks any legal basis and violates several laws concerning credit reporting and consumer privacy : 1. **Unauthorized Reporting** : Charge-offs reported on my credit are without my agreement, constituting a breach of the legal standards governing credit reporting.

2. **Failure to Furnish Form 1099-C** : The agency did not provide the Form 1099-C required for accurate tax reporting, exposing me to potential tax compliance issues.

3. **Privacy Rights Violation** : Reporting my personal financial information without consent is a direct violation of the Privacy Act of 1974 ( 5 U.S. Code 552a ), which safeguards against such unauthorized disclosures.

4. **Absence of Contractual Relationship** : I have never consented to any agreement with this agency, making their report an infringement on my consumer rights.

5. **Opt-Out Rights** : I am officially opting out of all implicit permissions for the sharing or reporting of my credit information, as supported by regulations 12 CFR 1016.1, 12 CFR 1016.4, 12 CFR 1016.7, 15 USC 6802 ( b ), and 15 USC 6805.

Given these concerns, I request a prompt investigation into these inaccuracies and the removal of the disputed entries from my credit report. I expect a written confirmation of these corrections. Please be advised that I am prepared to pursue further actions, including legal remedies, to correct my credit information and defend my rights. 
I appreciate your immediate attention to this critical issue and await your swift response and resolution.
Consumer complaint received 2023-01-02
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. (IL)

My personal information was stolen in XXXX XXXX XXXX XXXX, and since then Ive been seeing a lot of unauthorized inquiries and accounts. 
Ive been in contact with police relating to the incident and filed an identity theft report with the XXXX, FTC. 
In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681a : States I have the right to privacy.

15 U.S.C 1681a Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.

15 U.S.C 1681e section b : States 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.

15 U.S.C 1681o section a : States any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure. 

15 U.S.C 1681i Section a : States that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.