davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

Increased my payments over XXXX over last 6 months undervalued my tax and insurance payment shows XXXX instead of XXXX tax and insurance actual went down XXXX to XXXX Said my escrow beginning balance s/b XXXX when it should be 1935 This all results where my annual amount of payments for escrow s/b XXXX which is less than XXXX based on XXXX mos they want to charge me Something is wrong with their calculations
Consumer complaint received 2023-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

am writing to dispute the reporting on my credit file regarding a closed charged-off account associated with Loan Account It has come to my attention that there are inaccuracies in the information being reported, which is in direct violation of established credit reporting regulations.

The discrepancies are as follows : 1. Reporting a Closed Charged-Off Account as Past Due : The account is inaccurately listed as past due, even though it has been closed and charged off. This misrepresentation is negatively impacting my credit profile and is not reflective of the accounts current status.

2. Discrepancies in Balances : The written-off amount is documented as {$3900.00}, whereas the reported past due amount stands at {$7800.00}. This inconsistency raises concerns about the accuracy of the information provided and is in violation of credit reporting standards. 

These discrepancies are affecting my creditworthiness and financial standing. I kindly request that you promptly investigate and rectify these inaccuracies to bring the reporting in line with the actual status of the account. 

As per the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and up-to-date information on my credit report. Failure to address and correct these discrepancies within the required timeframe may compel me to take legal action to protect my rights.

I appreciate your prompt attention to this matter and request that you provide written confirmation of the resolution and the updated information submitted to the credit bureaus. 

Thank you for your cooperation in resolving this matter promptly.
Consumer complaint received 2021-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I submitted formal letters enclosing copies of my SSN card, current state driver 's license both of which contained my correct personal information, including my legal name and correct residential address. These letters were sent from XXXX through XX/XX/2020. 

This information was submitted to Experian, XXXX, and XXXX on numerous occasions, IN WRITING, providing all related documentation to prove my legal name, address, and correct SSN. 

To date, these credit-reporting agencies have REFUSED to remove all erroneous information. THEY ARE REPORTING ADDRESSES OF CITIES AND STATES I HAVE NEVER RESIDED IN AND HAVE NEVER VISITED. THEY ARE REPORTING SOCIAL SECURITY NUMBERS THAT ARE NOT MINE. THEY ARE REPORTING NAMES THAT I HAVE NEVER USED. NONE OF THESE NAMES ARE MY LEGAL NAME AND DO NOT APPEAR ON MY SSN CARD.
Consumer complaint received 2022-10-19
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. (OK)

XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX I attempted to resolve the accuracy of my report with the companys listed above but it has not been resolved. 

in accordance withe the fair credit reporting act XXXX  account # 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 602A. STATES I HAVE A RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY FURNISH ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2022-10-19
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. (OK)

XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX I attempted to resolve the accuracy of my report with the companys listed above but it has not been resolved. 

in accordance withe the fair credit reporting act XXXX  account # 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 602A. STATES I HAVE A RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY FURNISH ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2021-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. I highly appreciate it if you REMOVE these accounts that are still reporting on my account : XXXX XXXX XXXX  XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$10000.00} XXXX XXXX CARD SER XXXX Opened XX/XX/XXXX Balance {$11000.00} XXXX XXXX XXXX XXXX XXXX*** Opened XXXX. XXXX, XXXX Balance {$3900.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX Original Creditor Name XXXX XXXX ) XXXX XXXX XXXX, XXXX Balance {$990.00} XXXX XXXX I, XXXX ( Original Creditor Name XXXX XXXX XXXX ) Opened Date XX/XX/XXXX Balance {$13000.00}
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-08
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harpeth Financial Services, LLC (TN)

My information was involved in the XXXX Data Breach. I have requested several times for proof of debt and original contract. Account showing on XXXX and resolved and documentation was not received. 
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exists. In requesting documentation none was provided. Due to identity theft this should be removed.
Consumer complaint received 2023-09-28
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: JPMORGAN CHASE & CO. (CA)

Someone is fraudulently using my information in an attempt to open lines of credit. 

On XXXX I was alerted by XXXX that a hard inquiry was made on my account on XX/XX/ by JPMCB which resulted in a decrease in my credit score. I did not apply for any credit. I contacted XXXX and they put an additional level of alert on my credit file. 

On XX/XX/23, I was again alerted by XXXX of another hard inquiry on my account by JPMCB which again resulted in another decrease to my credit score. I DID NOT APPLY FOR ANY CREDIT from JPMCB. 

On XX/XX/ I contacted XXXX XXXX department to dispute the inquiries and have them removed from my report. I also placed a freeze on my report. XXXX also advised me to file a report with your agency. 

On XX/XX/ I contacted Security Verification at Chase Bank. They confirmed that someone applied online for a credit card using my information.The applications were denied and flagged as fraud. They agreed to have inquiries removed from my credit file, and to send me identity theft information in the mail. 

It is apparent to me that the online application was a result of credit card mail solicitation that was intercepted.
Consumer complaint received 2023-06-20
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. (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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : Account name : XXXX, XXXX. 
Account number : XXXX Account name : XXXX, XXXX. 
Account number : XXXX Account name : XXXX XXXX Account number : 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 1681i ( 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2023-09-28
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-09-28
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I have never dealt with such a disorganized and willfully ignorant organization. I previously put in COMPLAINT ID XXXX SUBMITTED ON XX/XX/2023 I have just got off the phone with XXXX XXXX who XXXX the same information but referred to an alert for my other credit card. I told her I had not attempted to use the card I was calling about. She admitted the mistake. Then she said I never called to alert them. I have all the call records of the dates I called and the Bank of America verification codes sent to my phone, that document IN FACT I called immediately after receiving the letter on XX/XX/XXXX at XXXXXXXX XXXX. She stated she would go over the recorded calls. This should have been done from the very beginning. I have no reason to pursue this other than being reciprocated for the time and effort I put in to rectify a problem they started. 

She said the alert was put on my card because I changed my address a few days after. IF they would have checked I have had an established address at the previous address plus the one I changed it to. NO ONE ever informed me why my account was put on alert in the first place. My bank account address is the same as the one I changed the shipping address to. This is incompetence on the highest levels and one that has wasted a lot of time and energy on my part. I am furious!
Consumer complaint received 2023-06-20
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)

For several years my Student Loan account at XXXX displayed an old, incorrect email address when I checked the contact information. Live operators on the phone also corrected the email address at my request but later the old email would resurface. 

This can be proven in a court of law by examining logs and records at XXXX. 

In XXXX I received a notice from my bank ( not XXXX ) the negative items were on my credit report. XXXX reported me 90 days late on 2 accounts. I had no knowledge they were due. All my loans were in deferment as far as I knew. My credit is good and I always pay on time. Check my history, please. 

XXXX asked me previously to use " paperless '' notifications. Their system failed to perform correctly and caused me real harm in a XXXX point credit score drop. When I check ed with XXXX on the day of the negative credit report, the contact page displayed my old, incorrect email address. I corrected it. 

This can be proven in a court of law by examining XXXX computer logs and records. 
Ironically, my credit history suggests I am correct.
Consumer complaint received 2024-01-02
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. (NY)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-17
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (TX)

Im a XXXX for the XXXX XXXX XXXXXXXX, due to covd19, I called Mr.Cooper to get assistance with my monthly payments. Mr.Cooper gave me an extension on the covd19 payment protection plan until XX/XX/23, they also advise me that I will have 3 options to choose from, when I get ready to resume making my payments, which was to reinstate, extend my past due payments to the end of my loan, or apply for mortgage assistance. I called Mr. Cooper around XX/XX/23 to resume making my payments, and they inform me that the option to extend payments to the end of my loan, was stopped by VA without giving me any notification, so they were going to review me for a disaster modification, it took Mr. Cooper 2 months to tell me I was decline for a disaster modification. I immediately called VA on XX/XX/23, and they inform me that VA still offer extending payments to the end of the loan and that Mr. Cooper can offer me a REFUND MODIFICATION, VA inform me that Mr. Cooper does not want to participate in this program to help homeowners. Why would Mr.Cooper lie to consumers about VA not wanting to help homeowners during this pandemic, with their decision not to extend my payments, I have a balance due of {$25000.00}. I would have never ask to pause my payments with Mr.Cooper, if they are not going to honor the XXXX options given to me when I notified the servicer that I was impacted, I was also current on mortgage and have never missed a payment before I went into an agreement to pause my payments. I thought that this program was passed by the Cares Act to help homeowners during this challenging times, and not put consumers in Foreclosure. The last conversation that I had with Mr.Cooper is to submit another application to be reviewed for a traditional modification with documents, which everyone that will not help me, so now my credit has been impacted and I have a {$250000.00} past due mortgage, all because Mr. Cooper lied about me having the option to extend my payments. Please help me, I don't want to loose my home.
Consumer complaint received 2022-10-19
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NJ)

I paid my balance in full using my XXXX  XXXX checking account for my Express ( clothing store ) Credit Card governed by Comenity Bank. This payment was a scheduled payment placed many days prior to the due date. The scheduled payment in the amount of {$46.00} was received by Comenity Bank and subsequently withdrawn from my bank account on XX/XX/2022. On XX/XX/2022, I reviewed my account using comenitys express credit card website. The website stated that my account was PAST DUE and showed no evidence of the XX/XX/2022 payment. My account stated that my last payment was XX/XX/2022. I called my bank, XXXX XXXX, and they confirmed the XXXX payment was sent and received by XXXX and officially withdrawn from my account on XX/XX/2022. I called Express Credit Card customer service ( comenity bank express credit card division ) and spoke to a representative named XXXX on XX/XX/2022 from XXXX XXXX  EST. He informed me that Comenitys system is untrustworthy, unethical, has many bugs and is flawed, never the less he assured me that although he has no record of the payment, it will reflect eventually. As I write this on XX/XX/2022, my account does not reflect the {$46.00} payment. I authorized this payment with the intended purpose of paying my credit card bill. Suffocate it to say, the money is missing and is not being used for the intended purpose. I sent Comenity Bank a secure message with a screenshot of my XXXX  XXXX checking account showing the {$46.00} payment. I have not heard anything since. Comenity Bank has now also unjustifiably charged me a {$2.00} finance fee, thus bringing my total loss to {$48.00}. Comenity bank has unethical trade practices. They received my money, lied and said my account was past due, charged me a {$2.00} fee ( and more most likely to come ) and has given no explanation as to where my money is. I cant imagine how many other people they have done this to. This bank should not be in business if they can not adequately process, record and reflect payments. It is irresponsible and reckless, not to mention unethical. My credit is on the line and so is my hard earned money. They need to be investigated for unethical practices.
Consumer complaint received 2022-10-19
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. (LA)

XXXX XXXX XXXX $ XXXX.You are reporting this collection as as OPEN ACCOUNT which is not under FCRA compliance . This is inaccurate reporting and needs to be removed. Please remove this unauthorized / inaccurate collection off my report.
Consumer complaint received 2023-06-06
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 8th 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX