davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (HI)

I have one line of credit, a XXXX 's credit card since XXXX. I spend {$1000.00} or more a month and always pay my monthly balance. My credit score in the past has always been high. In XX/XX/XXXX I disputed a transaction. XXXX 's told me several times at the time of the dispute and recently the dispute would not affect my credit score. There seems to be no end in sight in resolving the dispute, as it has been 3 months with no update. 

Recently I ran into car problems and found myself needing a new car. Thinking my credit was good, I went to the dealer and was shocked to find out I have no credit score or no history to score on when a report was ran. I then went to 2 other banks, went through the process of getting an auto loan, and was told the same thing. I ran a report on Experian myself, and I have no score. There is a comment on the report for my XXXX 's credit card that says " account in dispute '' and " no transaction history ''. I spend about $ XXXX {$20000.00} a year on my credit card and this is completely false. This has caused me much hardship and forced me to get a loan at a higher interest rate. I'm also looking to become a first time home owner and I have ZERO faith that my XXXX 's credit card will do anything to help my credit. I have tried to call all the available XXXX 's departments I can reach from and was told to write a letter to the XXXX FCRA Credit Bureau Dispute. The department I wrote to does not answer phone calls and only accepts letters. The XXXX 's department I spoke to on the phone can only confirm that XXXX 's does report my credit score, but could not confirm if it was being reported properly.
Consumer complaint received 2024-01-09
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: ENCORE CAPITAL GROUP INC. (VA)

I am writing to file a formal complaint against Midland Credit Management for violations of the Fair Credit Reporting Act ( FCRA ) related to inaccuracies in my credit report. These inaccuracies pertain to an account originally owned by XXXX XXXX and subsequently acquired by Midland Credit Management. 

**Specific Violations : ** * **15 U.S.C. 1681 ( b ) & Section 604 ( a ) ( 2 ) : ** Midland Credit Management furnished my credit information to consumer reporting agencies without my express written consent, infringing upon my right to privacy.

* **15 U.S.C. 1681s-2 ( b ) : ** Upon my initial dispute of the reported information, Midland Credit Management failed to conduct a reasonable investigation to verify its accuracy. 
* **Potential 15 U.S.C. 1666b Violation : ** If the alleged late payment on the XXXX XXXX account was not in fact late, Midland Credit Management 's reporting of it as such may constitute a violation of this provision.
Consumer complaint received 2019-03-15
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (OH)

I had a VA mortgage that was foreclosed on XX/XX/2016. I have a letter saying this is the date the foreclosure was completed. 

Wells Fargo Home Mortgage continues to report a late payment each and every month for the last 3 years even though the account is closed. 

I need them to stop reporting late payments on an account that is closed. 

Last year I talked to about 10 different people to get this resolved and they assured me that the faulty reporting would stop. They failed to stop.
Consumer complaint received 2024-01-09
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 have been a victim of identity theft which I discovered around XX/XX/. I have notified all consumer reporting agencies with a FTC Identity theft report which listed all the accounts added to my report without my knowledge. Some of the items were removed and some were not. The situation has caused my own banking privileges to be dramatically downgraded and created a storm of financial complications, unknown collection accounts and debt which is now attached to my name. The consumer reporting agencies are not exactly helping and I am unsure where to turn. I was told that it can take another 30 days for the creditors to respond to my disputed accounts on top of the previous 60 days which is unacceptable and even uncertain. I am completely blinded by the situation and unsure how to remedy the problem. Please help.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

They sent my card 2 months late and statement same, then they charged me interest and late fee. and reported me to the credit bureaus. When i got the mail I paid in full. But I had to call them several times just to get the card and statement. However they havent processed my multiple requests to write off interest and late due to no fault of my own. They are also very rude and today hung up on me. 
I need refund of interest/late and rectify credit bureau note of late and appology also compensation for the increase in my XXXX XXXX due to negligence and bully causing damages
Consumer complaint received 2021-09-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (AR)

i am trying to verify all money transfers in my name from XX/XX/2004 til now. INCLUDING XXXX XXXX ITEMS SS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , IL XXXX
Consumer complaint received 2023-02-19
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. (MD)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-09-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (PA)

I was told I could remove mortgage insurance from Caliber Home Loans on my property at XXXX XXXX XXXX, # XXXX, XXXX XXXX XXXX, XXXX  XXXX after having met the following criteria : - Your loan to value ratio must not exceed 80 %. 
- Your loan must have no significant recent delinquency - Occupancy requirements have been met After meeting the above requirements, I applied to remove PMI on XX/XX/XXXX and paid the requested {$150.00} fee. The mortgage company cashed my check on XX/XX/XXXX, then sent me a letter on XX/XX/XXXX stating they were unable to approve my request to remove PMI due to not having paid the {$150.00} fee. I have since been on the phone several times without success in reaching anyone who is able to assist me. Instead I am transferred from one person to the next for over 2 hours on 3 different days and 3 different attempts. 

My loan to value ratio is well under 80 %. My current remaining balance is {$190000.00}. The most recent similar homes have sold as follows : - XX/XX/XXXX {$450000.00} ; XXXX XXXX XXXX, # XXXX, XXXX XXXX XXXX, XXXX XXXX - XX/XX/XXXX {$360000.00} ; XXXX XXXX XXXX, # XXXX, XXXX XXXX XXXX, XXXX XXXX - XX/XX/XXXX {$280000.00} ; XXXX XXXX XXXX, # XXXX, XXXX XXXX XXXX, XXXX XXXX - XX/XX/XXXX {$290000.00} ; XXXX XXXX XXXX, # XXXX, XXXX XXXX XXXX, XXXX XXXX However, Caliber mortgage company has also listed on my account online : " Currently your LTV is 80.76 % ''. I'm not sure how they came up with this number. There is no data to support it. And they never informed me of this belief in a letter following my request for PMI removal. In addition, the highest LTV I calculate based upon the REAL data is 69.62 %. Given these properties I listed that have sold in the same building as my property, I am not sure how anyone can argue this number. 

It is also worth noting that I had my loan in forbearance due to the COVID 19 pandemic and was not able to make payments for several months. I have since resumed payments. Mortgage payments missed or underpaid as part of a deferral or forbearance arrangement are not technically delinquencies according to the Coronavirus Relief, and Economic Security Act ( CARES Act ).
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Every time I dispute information on equifax they drop my score. Disputes are not supposed to affect scores. They also do not investigate the problem when it takes 24 hrs to get a response from the company. I have had incorrect information on my report for 7 years. They also removed an account for 60 days and then put the account back with incorrect information.
Consumer complaint received 2023-06-25
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. (TN)

This account is for XXXX. 
I've disputed the missing Payment History several times. Experian removed the year XXXX and XXXX from this account. This is no longer FAIR. 
Experian claim the account open date is XX/XX/XXXX but the Payment History begins XX/XX/XXXX. How? 
This account is missing 17 months of Payment History that's required to make this account ACCURATE and COMPLETE. Based on the reporting of this account it must be deleted under the FCRA
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AZ)

I called and sent letters to EXPERIAN about the generic letter that I received about my disputes. There are two bankruptcies that are reporting on my credit report that are fraud and not mine along with an account from XXXX XXXX XXXX texas, and 5 inquiries. As a consumer this is very frustrating and against my rights according to the 1978 FDCPA 15 U.S.C. 1692-1692P.

EXPERIAN has displayed no proof of validation and only send me something generic saying its validated. 

I also sent them my police report and my FTC report which shows fraud from the accounts that I've disputed. FCRA 605B ( 15 U.S.C. 1681C-2 ) was also submitted to block these fraudulent accounts along with fraud inquiries, bankruptcies, and address. The accounts are hindering me from obtaining credit and housing.
Consumer complaint received 2018-06-29
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: General Motors Financial Company, Inc. (IL)

I have always be 2 to three payments behind with GM Finance and they always worked with me due to income up and down but I always paid and they were fine with that. on XX/XX/XXXX I noticed my car was taken called the non emergency police and they said my car was repo 'd I called GM and now it was taken over by XXXX I talked to someone before on the XX/XX/XXXX said what my intentions were to get it back to good status would make 1 payment at the end of XX/XX/XXXX and 2 in XX/XX/XXXX He said I will note that and you should be fine. Why did this happen when I called on XX/XX/XXXX they told me there was no record of it also I set up a payment and account I always use for this month and said they could not verify the bank info so it could not be processed never receaved a call about that this has been such a nightmare and now they want me to pay XXXX to get my car back
Consumer complaint received 2023-06-26
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. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Experian & XXXX ), has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that 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.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

During a routine review of my credit reports from TransUnion, XXXX, and XXXX, I identified several discrepancies and inaccuracies that appear to violate the Fair Credit Reporting Act ( FCRA ). These errors have potentially damaging impacts on my credit score and financial opportunities. 

Discrepancies in Account Totals : I noticed that the total number of accounts reported varies significantly across the bureaus. TransUnion reported 30 total accounts, XXXX reported 27, and XXXX reported 18. These inconsistencies suggest a lack of adherence to the FCRA 's requirement for accuracy. 
Incorrect Reporting of Delinquencies : XXXX XXXX report includes two delinquent accounts that are not listed on either the TransUnion or XXXX reports. This issue was first noticed in my latest report dated XX/XX/2024. 
Variation in Derogatory Marks : There is a wide variation in the reporting of derogatory marks and collections among the credit bureaus, with TransUnion listing 11 derogatory accounts and 2 collections, XXXX listing 9 derogatory accounts and no collections, and XXXX listing only 2 derogatory accounts. 
Inconsistent Balances and Payments : The reported balances and monthly payments differ significantly across the credit bureaus, which could mislead potential creditors about my actual financial responsibilities and status. 
Variations in Credit Inquiries : The number of credit inquiries reported over the last two years also significantly differs among the bureaus ( 10 by TransUnion, 14 by XXXX, and 3 by XXXX ). 
These issues were identified through personal document reviews and cross-referencing of reports from the three bureaus over the past few months. I have already initiated disputes with each of the credit reporting agencies but believe the systemic nature of these inaccuracies warrants a closer examination and regulatory intervention by the CFPB.
Consumer complaint received 2022-11-11
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-10-20
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. (VA)

I've sent several letter asking for validation on how my accounts were coming back verified with proof. Never received any feedback via mail or when I call in. This was in XXXX, XXXX and XXXX. When I call in no one knows anything. I've written on several occasions about XXXX and XXXX being reported wrong. Wrote several times asking for validation on how they verify. Never received and response on neither occasion.
Consumer complaint received 2024-01-09
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. (NY)

Your agency has repeatedly ignored my requests to fix inaccuracies on my credit report, violating the Fair Credit Reporting Act. Despite my efforts to resolve the matter with the creditor, your refusal to verify information displays negligence. The following errors are still on my credit report, adding to the distress caused by your agency 's actions : The only address that should be reporting on my file is " XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX '' Please REMOVE : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX
Consumer complaint received 2021-10-21
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: Paramount Recovery Systems, L.P. (FL)

Disputed collection. Had it removed to come back with a date that I wasn't in any hospital. Didn't go to any hospital the year of 2020 but the dates says otherwise ... .fraudulent collection
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have no acknowledgement of these hard inquiries and the hard inquiries are a result in identity theft and they must be removed no later than four business days as per 15 U.S Code 1681c-2.
Consumer complaint received 2021-09-28
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc. (TX)

IC Systems has contacted me almost daily for a week regarding medical debt. I have advised them EACH time that I am not currently employed and am unable to pay the debt at this time. On the call that took place approximately XX/XX/2021, I advised them that the address they had on file was incorrect and I confirmed my po box  address so that they may send the legally required validation of debt, which they have yet to resend. On the call today, XX/XX/2021, the agent that I spoke to continued to attempt to delve into my personal life and finances which I advised her were not her concern as I had already advised I had no income. Once the call ended I called back to speak to a supervisor, I advised the supervisor that their company was in violation of sections 806, 808, and 809 of the FDCPA to which her response was that she would remove my number and listen to the calls. I again advised that at this time they were outside of the legally required window for validation of the debt and she stated that she would resend the letter, to which I quoted again that she was outside of the legally required window. I asked to speak with someone within the company who took these matters seriously to which she replied that she does and that she's removing my numbers and I should keep hers.
Consumer complaint received 2023-06-28
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: EQUIFAX, INC. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-02-06
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Clay Chapman Iwamura Pulice & Nervell (HI)

XXXX, who is either a Master Servicer, or a Default Servicer, by, and through XXXX from Clay Chapman Iwamura Pulice & Nervell, a third-party debt collector initiated a foreclosure lawsuit on XX/XX/XXXX, as Civil Action Case No. XXXX. 
Go to First, and Second Attachment. 
For approximately the last three years, XXXX, either a Master Servicer, or a Default Servicer, by, and through XXXX from Clay Chapman Iwamura Pulice & Nervell, a third-party debt collector, and XXXX has attempted approximately 5 to 8 times to have, and hold a foreclosure sale over the last three years. 
XXXX from Clay Chapman Iwamura Pulice & Nervell, a third-party debt collector, and XXXX is attempting again to have a foreclosure sale this coming Tuesday, XX/XX/XXXX at XXXX XXXX 
Go to Third Attachment