davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-23
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. (FL)

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 Account # XXXX, has violated my rights. 

XXXX XXXX colle Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX 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 a account without my written instructions
Consumer complaint received 2022-04-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: PNC Bank N.A. (TX)

They tried too collect and defame my private consumer report not for public inspection WHERE IS THEIR BOND TO COLLECT IN MY STATE PURSUANT TO 392.101 along with the contract with my blue in signature and or electronic signature, I am in honor and if the can provide a contract and a bond we can do business they have the account revolving and closed account a clear illegal violation of the law
Consumer complaint received 2022-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A. (CA)

The original amount I owed was XXXX then macys sent a report to the credit company stating I owed them XXXX they charged me an extra XXXX Ive paid a total of the amount I owed now they keep raising the fee even though they closed the account in XXXX they are still charging me on a closed account that Ive already paid in full
Consumer complaint received 2023-03-06
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: EQUIFAX, INC. (GA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$210.00} XXXX XX/XX/XXXX
Consumer complaint received 2019-06-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Gitsit Solutions, LLC. (NY)

To : Kondaur Capital Corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX RE : XXXX XXXX XXXX XXXX, NY XXXX Re : Error Resolution Notice under 12 C.F.R. 1024.35 Mortgage Loan Number : XXXX I am writing to request Correction of the Error described below in regard to the mortgage on my property at XXXX XXXX XXXX XXXX, NY XXXX. 

On XX/XX/XXXX XXXX XXXX  XXXX transferred this loan to XXXX. The loan balance was {$300000.00}. After a legal arbitration between XXXX XXXX, XXXX XXXXXXXX XXXX and me, all settlements were made. It was then order by the court to have the mortgage reinstated. This was not done. Instead, XXXX took some payments up to XX/XX/XXXX then stop. 

On XX/XX/XXXX, the loan was then transfer to XXXX XXXX with a mortgage balance of {$290000.00}. 

On XX/XX/XXXX XXXX XXXX XXXX registered this loan with the credit bureau in the amount of {$350000.00}. This amount is incorrect and the charges added on are fraudulent. 

As per my records, payment was stopped by XXXX on XX/XX/XXXX. Therefore, the amount owed to the loan is {$54000.00}. This is the sum of 26 months of payments which when settled will consist of Principal, Interest and Escrow. 

Payment Errors : Your company rejected all payments made on XX/XX/XXXX. Please explain why this was so. 
Your company padded my mortgage balance with fraudulent charges and is still asking for {$84000.00} to reinstate my mortgage loan. 
Your company keeps adding on a charge call Property Inspection Fees in the amount of {$1000.00} per month. There is not property inspection fee as such. 
Your company asked for $ XXXXXXXXPlease provides me with a detail break down of how this amount came about. 



Escrow Errors : My monthly payment is {$2000.00} which included Principal and Interest, real estate taxes and Insurance. Therefore why are you asking for Escrow advances? 
Your company did not pay the insurance for XXXX, XXXX and XXXXyet it is included in the amount asking to reinstate the loan. I paid this insurance directly to the company. 

I have been notified by N Y XXXX XXXX  XXXX XXXX and the Hazard Insurance Company regarding payments that your company failed to pay the following expenses from my escrow account. 

Fee Errors : Your company incorrectly imposed a Property Inspection Fee on the mortgage since XX/XX/XXXX. Please provide me with a copy of such a monthly inspection report. 

Payoff Errors : Your company failed to provide an accurate mortgage outstanding balance to reinstate the mortgage. Please provide me with a detail break down of my outstanding balance. 

If you need to contact me, I can be reached ( XXXX ) XXXX or my attorney at ( XXXX ) XXXX Sincerly XXXX XXXX cc : XXXX XXXX  XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2022-04-23
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: Experian Information Solutions Inc. (GA)

On XX/XX/XXXX XXXX XXXX sent me a statement for my last payment coming up. The payment was high because I did a 3 month deferment during COVID. The payment was due by XXXX XXXX I know I could not make the big payment all at once so I spread it out through the month. I made the final payment onXXXX XXXX XXXX. I check my account on the XX/XX/XXXX 0 dollars Balance. Check my credit report and I notice I have a 30 days late payment from XXXX XXXX. Call XXXX XXXX  they tell me because I spread the payments out it cause me to have interest of XXXX cents. This drop my score down XXXX points. I disputed with XXXX and they only gave me XXXX points back. Which this made my score in the mid XXXX. This is not good. This has happened before and I never received my points back after I dispute and they find its not my fault. Please help get my points back. Im in the process trying too buy a car. With a XXXX credit score my interest rate will be high.
Consumer complaint received 2022-04-23
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. (GA)

On XX/XX/XXXX XXXX XXXX sent me a statement for my last payment coming up. The payment was high because I did a 3 month deferment during COVID. The payment was due by XXXX XXXX I know I could not make the big payment all at once so I spread it out through the month. I made the final payment onXXXX  XXXX XXXX. I check my account on the XX/XX/XXXX 0 dollars Balance. Check my credit report and I notice I have a 30 days late payment from XXXX XXXX. Call XXXX XXXX they tell me because I spread the payments out it cause me to have interest of XXXX cents. This drop my score down XXXX points. I disputed with XXXX and they only gave me XXXX points back. Which this made my score in the mid XXXX. This is not good. This has happened before and I never received my points back after I dispute and they find its not my fault. Please help get my points back. Im in the process trying too buy a car. With a XXXX credit score my interest rate will be high.
Consumer complaint received 2022-04-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (VA)

XXXX XXXXXXXX is attempting to collect a debt because they did not turn the electric service off when I left the area.The amount is $ XXXX.I never have seen a bill or had an electric bill that big.I am disputing it.MRS Associates is the collector I also see MRS-BPO whatever that means.Ive never had an electric bill for this amount and it is impossible to get the bill that high because it would have been cut off before it could get that high.XXXX XXXX should have stopped service way before the bill was this much as I was not using the service at all.So this debt is because of terrible customer service from XXXX XXXXXXXX by not shutting off the electric service in a proper time frame when the residence was unoccupied.Nobody would shut the electric service off from XXXX XXXXXXXX on time or there would not be a {$1200.00} electric bill. I dont know what address this took place at nor have I ever received a bill for that amount anywhere in my life and Ive never had an electric bill that high in any place Ive lived.This could be another result of bad business practices by XXXX trying to make it harder for me.Im not sure where this electric bill was accumulated at all.The last date I see is XXXX of XXXX and I have been living in XXXX  since XXXX so theres no way I had XXXX  XXXX electric services in XX/XX/XXXX .My address is XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX.I have been here for XXXX years now.I never had electric service with XXXX  XXXX in the amount of {$1200.00} Please correct this on my credit report as soon as possible.The only way this bill could have happened is by someone using my name for an electrical service account with XXXX  XXXX while I was unaware and or used electric service for an extended period of time in an unoccupied dwelling somewhere after service was supposed to be shut off.I am a XXXX person on fixed income so my electric was cheap n I had assistance with my bill.This is not my electric bill debt with XXXX  XXXX period.XXXX XXXX would never allow me to go that many months without payment n keep service on until the bill was {$1200.00} Please remove this debt from my credit report as it is false information I am not responsible for.The collector doesnt provide any address for the outstanding bill and Ive never received a bill that big in my life.Especially when I had assistance to pay for electric service.
Consumer complaint received 2022-04-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (CO)

Homeowners Protection Act ( HPA ) provides two ways to remove PMI from your home loan : ( 1 ) requesting PMI cancellation. 

I have reached out to the lender multiple times in writing asking for guidance on cancelling my PMI on my mortgage. The values of properties have gone up significantly and I have made improvements on my home significantly increasing the value of the property. I have well over 20 % equity in the property and the lender will not respond to my request for cancellation of mortgage insurance or request/order an appraisal or PMO to cancel the PMO. 

The lender states in their communication with me that significant remodel such as a kitchen or bathroom qualify for re-evaluation of LTV. Upon contacting the correct dept. about this matter I continually get responses saying " Please wait 30 days for a response '' The lender is ignoring my attempts to re-evaluate my LTV and remove my PMI from the mortgage. My LTV is currently in less than 75 % and still m lender has not responded to my request. 

At this point I expect back payments ( reimbursement ) for Private mortgage insurance that should have been previously removed when my value exceeded the threshold of 75 % legally requiring the cancellation of PMI.
Consumer complaint received 2024-02-20
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. (LA)

I appreciate the time taken to address the fraudulent entries in my file resulting from alleged fraudulent activity. However, there remain outstanding items that require attention. Upon reviewing my updated personal credit report, I observed unauthorized credit inquiries and erroneous personal information persisting. I have already contacted the respective companies to request the removal of these inquiries from my credit profile. Furthermore, I previously requested an investigation into the inquiries listed below on my credit report. I understand your investigation has concluded, confirming my allegations. Therefore, I kindly request the removal of these unauthorized inquiries and the issuance of an updated credit report reflecting their removal. Please send the updated report to the provided address : EXPERIAN : XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX XX/XX/XXXXXXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- -- XXXX XXXX -- XXXX XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX -- XXXX -- -- -- -- XXXX : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX. As per the Fair Credit Reporting Act Section 605B ( a ), you are required to remove any items opened without my knowledge, consent, or authority within four business days, along with ( 1 ) appropriate proof of the consumer 's identity ; ( 2 ) a copy of an identity theft report ; ( 3 ) identification of such information by the consumer; and ( 4 ) a statement from the consumer confirming that the information is not related to any transaction made by the consumer. I will provide my Driver 's License, SS ID, and Proof of Billing as verification of my sole address, along with my new FTC report # XXXX.
Consumer complaint received 2022-10-13
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. (TX)

I just received my reinvestigation back from Experian. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ). 

Because the list of accounts below are not accurate. The open date, date last active, and date of last payment is NOT 100 % accurate. 

Account name : XXXX XXXX XXXX Account # XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( I ). 

I attached a consumer report as evidence.
Consumer complaint received 2022-04-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: E*TRADE BANK (LA)

The CFPB closed my last complaint and I requested all Documents I submitted, also I requested all Call the was held with me and etrade as it shows I did e everything they asked. I would like all the calls and documents reviewed in order for which each document goes with each call ... Can the Cfpb please review them and the Cfpb will see i did what was told. Plaese send me my Funds... Also check rhe comments on my last complaint. Please dont close this complaint when etrade response cause I would like my chance to respond also.
Consumer complaint received 2024-02-20
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. (FL)

Please remove the report from my account- it is effecting my credit report and needs to be removed I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability 's to obtain credit
Consumer complaint received 2024-02-13
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. (FL)

I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-22
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. (CA)

I contacted XXXX concerning inquiries on my credit report that are inaccurate. 
The inquiries were placed by companies that indicated that my social security number would be used as identification and not to access my credit report and not considered in the approval of my credit application for XXXX XXXX XXXX XXXX is my business XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX- This is inquiry was to prequalify for a loan for XXXX XXXX XXXX and once I saw the request for my social security number i called and was told that it would not be used to acces my personal credit report but used as proof for identification purposes. 

XXXX XXXX XX/XX/XXXX XX/XX/XXXX- This is inquiry was to prequalify for a loan for XXXX XXXX XXXX and once I saw the request for my social security number i called and was told that it would not be used to acces my personal credit report but used as proof for identification purposes. 

XXXX  - Card Service XX/XX/XXXX XX/XX/XXXX- This is inquiry was to prequalify for a loan for XXXX XXXX XXXX and once I saw the request for my social security number i called and was told that it would not be used to acces my personal credit report but used as proof for identification purposes Experian Business Cred XX/XX/XXXX XX/XX/XXXX- This is inquiry was to prequalify for a loan for XXXX XXXX XXXX and once I saw the request for my social security number i called and was told that it would not be used to acces my personal credit report but used as proof for identification purposes
Consumer complaint received 2019-06-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CA)

I submit two {$3000.00} payments for principal reduction on XX/XX/2019 & XX/XX/2019 through my bank electronic payment/bill pay. I called the company/Freedom Mortgage twice in XX/XX/XXXX after the XX/XX/XXXX and XX/XX/XXXX statements failed to reflect the reduced principal amount on our account. I also went on-line to check on the status today, and the company still did not reflect the actual date of the principal reduction payment received nor apply the payments toward the principal. This has been an on-going issue whenever we make extra payments toward the principal during the last 24 months period. The company cashier department made all attempted to applied payment to a later date or refused to apply payments toward the principals even when the checks are clearly stated with principal reduction payment purpose only.
Consumer complaint received 2022-04-22
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 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.
Consumer complaint received 2022-04-22
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. (TX)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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.
Consumer complaint received 2024-02-20
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. (AR)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-22
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: PENTAGON FEDERAL CREDIT UNION (CA)

I do have a fraudulent hard inquiries on my XXXX Credit Report. There are total two fraudulent hard inquiries on my credit report. I have been contacted to the company and they never help me, they told me to contact the Credit Bureau.Please help me to remove those hard inquiries.