davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-28
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. (CA)

I am writing to formally dispute credit inquiries that appear on my credit report, which I believe are not accurate and are causing potential harm to my creditworthiness. As a consumer, I am protected by the provisions of the Fair Credit Reporting Act ( FCRA ), the Equal Credit Opportunity Act ( ECOA ), and the Metro 2 laws, which require accurate and fair reporting of credit information.

According to the Fair Credit Reporting Act, credit inquiries can only be made for the following permissible purposes : 1. A Firm Offer of Credit 2. Insurance 3. An Application for Employment 4. A Court Order The first inquiry in question was purportedly initiated by the companies listed below. However, I have no recollection of conducting any business with the companies listed below or authorizing this credit inquiry. In accordance with my rights under FCRA, I contacted the below companies directly to rectify this matter, requesting that they remove the inquiry from their records and update all credit reporting agencies accordingly. They have assured me of their cooperation in resolving this issue, but to ensure a thorough investigation, I am also approaching your agency. 

Given my intention to apply for a home mortgage in the near future for my family, it is of utmost importance that my credit report accurately reflects my creditworthiness. Hence, I respectfully request the immediate removal of these disputed inquiries from my credit report. 

I request the immediate removal of these inquiries from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and any other applicable consumer protection laws. Timely resolution of this dispute will be greatly appreciated. 

Thank you for your prompt attention to this matter and for ensuring that the information on my credit report is fair, accurate, and compliant with the relevant laws. 


Hard Inquiries : XXXX XXXX XXXX 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 2023-10-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY (MN)

Spoke with agent ( beginning of XXXX ) on phone after receiving XX/XX/XXXX escrow estimate statement. Asked why so much when my payment already went up from {$630.00} last year. Now it shows a shortage of {$1500.00}? They said it was because my property taxes went up almost {$200.00} a year and my hazard insurance went up by {$700.00} a year to {$1900.00} ( almost {$700.00} a year ). I called my house insurance company and had them up the deductable, etc so my new insurance premium is {$1400.00} saving me {$470.00} a year and sent that to Wells Fargo, they were going to " correct '' the escrow estimate. We were on hold for over XXXX mins with the escrow account person who was supposedly correcting the estimate right then and there. Instead of it going down for the reduction in insurance costs - it went up. The agent told me to pay the {$840.00} payment and the system would process overnight and it would be applied the next morning. I went to pay my house payment yesterday, XX/XX/XXXX and the phone system told me I needed to pay {$1500.00} +. I called them back and they said my monthly payment for XXXX and XXXX went up to $ XXXX to get my new monthly payment down to {$810.00}. Not sure why so they explained to me. Their explaination is " that I have an FHA XXXX XXXX loan and that the FHA required them to withhold XXXX ( XXXX ) times that actual amount being paid towards my hazard insurance and property taxes in my escrow account and it is now showing up as a huge shortage of $ XXXX a month instead of the {$67.00} a month. 

I contacted the FHA and they sent me information that shows requirements as being amount and XXXX as cushion. Re : Respa10 " During the course of the loan, RESPA prohibits a lender from charging excessive amounts for the escrow account. Each month the lender may require a borrower to pay into the escrow account no more than XX/XX/XXXX of the total of all disbursements payable during the year, plus an amount necessary to pay for any shortage in the account. In addition, the lender may require a cushion, not to exceed an amount equal XXXX of the total disbursements for the year. ". 

So they are charging a cushion of 2 times everymonth per their agent instead of XXXX which equals XXXX months cushion. 

So, I have contacted the FHA and was referred to XXXX XXXX ; and then XXXX XXXX confirmed that they thought they ( Wells Fargo ) were withholding too much and referred me to XXXX and the CFPB. XXXX, who in return referred me to CFPB also and suggested getting an attorney ( which I can't afford ).
Consumer complaint received 2024-02-26
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)

In accordance to the Fair Credit Report 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 states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-05-22
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: ENCORE CAPITAL GROUP INC. (ME)

I am a XXXX in the XXXX XXXX since XXXX. I have provided XXXX and Midland Credit with my ID 's showing I have been in XXXX and XXXX since XXXX with a permanent address in Maine. 

Midland Credit keeps reposting this bad credit, discovered during my security clearance check in XXXX. 

I am in jeopardy of losing my clearance and my job as a result of this incorrect posting if a charged off account that was never my account. I have nothing to do with the account which was opened by a third party. 

Please find my ID 's again showing I am here in XXXX now, since XXXX, and XXXX before that.
Consumer complaint received 2023-03-09
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. (OK)

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 XXXX XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX 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 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 2018-06-01
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: EQUIFAX, INC. (NC)

Equifax is reporting an collection with a company called XXXX XXXX   account # XXXX  This isn't my account, shortly after Equifax had a data breach, this collection popped up on my credit report from out of thin air.

I disputed this account & requested them to produce a signed contract with my name on it, instead they sent me a credit report stating that the account was verified which is impossible, if they would have really investigated this account rather that using their XXXX  system, they would've know that this account isn't mine.

Is XXXX XXXX even licensed to collect debt in North Carolina?
Consumer complaint received 2021-12-22
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. (PA)

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. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-28
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. (CA)

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX : {$9000.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$6500.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$8400.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$11000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (NV)

I have an XXXX XXXX  XXXX. I accepted the offer for this card in XX/XX/XXXX. It had an introductory interest rate of 0 % for 12 billing cycles. This was for both purchases AND balance transfers. 

On the first two statements I saw that they charged me interest on the balance transfer that I made from another card. Today ( XX/XX/XXXX ) I called to dispute this and was told that the interest rate was 24.49 % for balance transfers ( and 0 % for purchases ). I explained that the offer had been for 0 % interest rate on balance transfers. I explained that I had the 'Accounts Summary Table ' in front of me, which came with the card that confirms 0 % interest on balance transfers ( for 12 months ). A copy of this is being uploaded with this complaint. The associate I talked ( very politely ) to seemed not to believe me when I said I had that confirmation. She said that she could do nothing about this because I had accepted a card with 24.49 % interest on balance transfers. I reiterated that I had not accepted that and that I had confirmation of the 0 % offer. 

The amounts of interest that they have charged so far are {$68.00} on XX/XX/XXXX, and {$65.00} on XX/XX/XXXX. I expect that I will get a interest charge on XX/XX/XXXX too if this is not sorted out. 

Thank you.
Consumer complaint received 2021-12-17
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. (GA)

yes i pulled my consumer report with experian and it seems someone opened a XXXX credit card in my name i reached out to both companies but now it remains on my report as a chargeoff i disputed the unauthorized accounts but got no responses or information regarding my issue i would like for the account to be removed immediately XXXXr card # XXXX opened XX/XX/2019
Consumer complaint received 2023-05-22
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: LEXISNEXIS (IL)

Regardless of the multiple written requests, the accounts listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with LexisNexis AND XXXX, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the accounts below in my file U.S. Bankruptcy Court XXXX  XXXX Bankruptcy Dismissed Reference # : XXXX Date Filed/Reported : XX/XX/XXXX U.S. Bankruptcy Court XXXX XXXX  Bankruptcy Discharged Reference # : XXXX Date Filed/Reported : XX/XX/XXXX.
Consumer complaint received 2023-02-16
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: EQUIFAX, INC. (GA)

I have disputed said accounts several times and your company ( Equifax or XXXX ) failed to dispute and/or did not notify me for permission to even post ANYthing on my credit report about this alleged debt. Therefore, Equifax, I inform you that the subject account being reported by your company has received a cease and desist letter ( formal ) and therefore ANY communication regarding this account is in direct violation of Fair Debt Collection Practices Act ( FDCPA ). 

This complain has also been submitted through CFBP ( see attached )
Consumer complaint received 2023-03-09
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. (FL)

XXXX XXXX XXXX XXXX XXXX has been reporting 2 of my investment property mortgages delinquent for about 6 months now since XX/XX/XXXX, incorrectly, because they're both in forbearance since XXXX until XX/XX/XXXX. Since XX/XX/XXXX, they have stated that it's been fixed but the bureaus keep getting refreshed with the same incorrect delinquent information. The department responsible for this is only available via email and they never reply even though I have emailed them about a dozen times since XXXX, about once per week. I would like to know if and how this company can be held accountable. I have been denied crucial business and personal credit lines due to the impact this has had on my credit. From 760+ to XXXX currently.
Consumer complaint received 2023-02-27
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. (IN)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2024-02-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am writing to demand the immediate removal of fraudulent accounts from my credit report. It has come to my attention that there are unauthorized accounts listed under my name, which I believe are the result of fraudulent activity. XXXX XXXX XXXX XXXX XXXX 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 2021-12-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Franklin Collection Service, Inc. (GA)

XXXX sold an alleged debt on XX/XX/2021 to XXXX in my name. Once I saw this on my consumer report I disputed it and asked for validation and they removed it on XX/XX/2021 because it doesn't belong to me. However, XXXX knowing this alleged debt is unverified, then sold it to Franklin Collections on XX/XX/2021 ( when it appeared on my consumer report ). This is a violation of my consumer rights to notification of alleged debts before being placed on consumer reports to allow for validation of the alleged debt, lack of privacy of my personal information, lack of consent to give out my personal information to 3rd parties ( identity theft ) and lack of reporting accurate information to credit bureaus. XXXX, XXXX and XXXX are all reposting this illegal, unverified and alleged debt.
Consumer complaint received 2017-06-10
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: SYNCHRONY FINANCIAL (SC)

I have been attempting to resolve this issue for almost a year wit h Walmart ag ent Synchrony Bank. My card was compromised   XXXX   of 2016   with charges from  XXXX  and  XXXX . After contacting Synchrony on numerous occasions to resolve the issue their solution was to refund the charges and re-issue the card. Since these charges were setup as re-occuring charges the charges were not blocked but rolled over to the new card. My credit card continued with the roll over because their outdated rule do not have the ability to block these charges. After  XXXX  re-issues, I personally called  XXXX  and they stopped the charges and told me if Synchrony had rejected the charges they would stop. The problem is I can not find a single number to call  XXXX  and any written correspondence requires account information which I do not have since I never had one. Now the charges appeared again, my account was blocked from usage again and a  XXXX  new card issued. Since everytime I call the number on my card it says " Thank you for calling Walmart credit card services '' I have to assume th at Synchrony is the agent for Walmart. T his is important because if that re-occuring charge appears on my  XXXX  credit card I will file a civil suit with a jury request against both companies.
Consumer complaint received 2023-03-09
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the following items on my credit report : 1. XXXX XXXX account ending in XXXX, which was charged off. 
2. XXXX XXXX account ending in XXXX, which was also charged off. 
3. Collection account from XXXX XXXX XXXX ending in XXXX. 
4. Collection account from XXXXXXXX XXXX XXXX  XXXX XXXX XXXX  ending in XXXX. 
5. Collection account from XXXXXXXX XXXX ending in XXXX. 
6. Charge off account from XXXX XXXX XXXX XXXX. 
7. Charge off account from XXXX ending in XXXX. 
8. Inquiries from XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. 
I believe these items are inaccurate and not reported in compliance with the Fair Credit Reporting Act ( FCRA ). As per the FCRA, credit reporting agencies are required to report accurate information and conduct reasonable investigations into any disputed items. 

I am disputing the accuracy of the aforementioned accounts as I have reason to believe that the accounts were not reported accurately. I have never held accounts with XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX XXXX. Furthermore, I did not authorize XXXX XXXX to conduct an inquiry into my credit report on the dates mentioned. 

I request that you conduct a thorough investigation of these accounts and remove them from my credit report if they are found to be inaccurate. I also request that you provide me with a free copy of my credit report once the investigation is complete. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-12-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX  XXXX
Consumer complaint received 2023-02-28
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. (AZ)

I am making this complaint by myself with no help from a third party. I noticed some accounts on my credit that do not belong to me i tried getting them removed from the credit bureaus to no avail.
Consumer complaint received 2023-03-09
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. (NY)

In accordance with the Fair Credit Reporting the following XXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX BANK XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 I have the right to privacy. 15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. These accounts do not belong to me. They should not be on my Transunion credit file.
Consumer complaint received 2017-04-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion, I am aware that some of the accounts listed on my credit report have been sold to a 3rd party. These are NOT the original creditors and I am NOT under any contract obligation to this companies and or agencies. Please remove this account from my credit report immediately. They are listed below : 1. Debt Collector - XXXX Original Lender- XXXX Balance XXXX {$560.00} 2. XXXX XXXX Balance - {$830.00}