davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-27
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. (GA)

I am writing this complaint to Experian regarding the accounts and information thats listed in my dispute letter. After going over my monthly consumer report I've noticed information thats reporting to my report that doesnt belong to me. I am aware of the consumer laws that Experian is governed by, and I understand that any information or account must be verifiable and accurate to properly report. The accounts and personal information listed in my dispute letter are both inaccurate and don't belong to me. The creditors thats reporting the accounts never had my consent to obtain my personal information nor did they have permission to share it with anyone, which violates my right to privacy. For the accounts to belong to me there must be mutual agreements and documentation included in which neither exists. It is Experians duty to thoroughly investigate my dispute and update and remove anything thats unverifiable. How can there be a debt owed if there was never a mutual agreement between both parties? 



Violations committed by Experian and the Creditors : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code 1681i - Procedure in case of disputed accuracy
Consumer complaint received 2023-07-17
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. (FL)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-02-02
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

Hi my name is XXXX XXXX XXXX XXXX and sending his complaint without any help from any credit repair companies. I have a loan with SELECT PORTFOLIO SER with the account number XXXX. I have always made my payments on time. As you can see, the status of this account is stating that it is paid as agreed. I tried contacting the XXXX and XXXX and even wrote thme a letter regarding the issue but up until now there has been no successful resolution. There was definitely an error on their part. Please fix this matter immediately.
Consumer complaint received 2023-03-08
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. (MI)

In accordance with the Fair Credit Reporting act, 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 a account without my written instructions
Consumer complaint received 2022-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (NV)

XXXX XXXX  has ruined my credit by not properly crediting my account XXXX. I have receipts where I've made cash payments inside the branch and my payments are still not being credited to my account. XXXX continues to charge me for late payments even when I'm not late. XXXX XXXX  has reported me XXXX times late starting in XX/XX/2021, XXXX kept advising me that my over-the-phone payments failed. when in fact my bank advised me that there was no attempt to withdraw funds from my bank account.from chase bank. Please see attached letter. I said I'll correct the problem by going inside the branch and making cash payments. XXXX has not been crediting my cash payments and has still been charging me late fees. Please see the attached cash payments made inside the branch for XXXX and XXXX but the remaining balance never change my XXXX NOR XXXX payment was never updated. 

XXXX is also violating my consumer 's care act rights Sec.4021 & NCLC 'S Fair credit reporting rights. I proved I was affected by covied19 and needed chase to assist me with payment arrangements on my account, during that time my account was current. The cares act Sec 402 states if a lender finds a consumer is affected by covied19 and they assist their customer with financial help and the consumer is not behind prior to covid19 that lender can't report that consumer account late to the credit reporting agency ; s.and can't charge late fees. XXXX has been charging me late fees even when I'm on time with my payments.
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MO)

Per the FCRA 623 ( a ) ( 5 ) : If the credit bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.

The original creditor in this case would be the US Bankruptcy Courts. The bankruptcy courts mailed me a letter stating that they do NOT provide any information to the credit reporting agencies, nor do they validate and/or confirm public records. 
see attachments
Consumer complaint received 2022-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (DC)

I, XXXX XXXX, NATURAL PERSON AND FEDERALLY PROTECTED CONSUMER, applied for a credit CARD with JP MORGAN CHASE BANK. They denied me XXXX XX/XX/2021. This seems like unfair and deceptive practices.
Consumer complaint received 2022-02-02
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: EQUIFAX, INC. (TX)

I was taken advantage of due to malpractice. While several Federal laws were broken under the ( FCRA ) by your company.

This has caused me defamation of character, severe hardships, P
ain, Emotional Anguish, Emotional distress, loss of enjoyment of activities. I cant apply for credit, my ability to apply for credit is tainted. 



The FCRA ( federal law ) says that as a consumer, I am legally allowed to challenge the validity and accuracy of these hard inquiries. And when I challenge these inquiries, it's called opening a dispute. The company pulling the consumer credit must provide documented proof, for example a document with my signature on it, that I authorized and provided consent for the hard inquiry. If your company fail to provide this documentation, then XXXX, XXXX, and Equifax must remove these inquiries from my credit report.
Consumer complaint received 2023-03-08
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. (NC)

These accounts have been reporting inaccurately. I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from my credit report.
Consumer complaint received 2023-03-08
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. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 2022-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: JPMORGAN CHASE & CO. (OH)

I opened an online account at Chase Bank. I entered the wrong address XXXX XXXX XXXX XXXX XXXX Ohio XXXX. 
My right address is XXXX XXXX XXXX XXXX XXXX Ohio XXXX. 
Now all my mail is getting delivered there. I have since changed my address at the bank but I am still not receiving any mail whatsoever. I submitted a Request to the United States Postal Service on XX/XX/2022 with Case number # XXXX. XXXX XXXX at the XXXX office has contacted me and that she would look at the issue. I have not heard from her since XX/XX/XXXX, at XXXX am.
Consumer complaint received 2023-07-17
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. (TX)

My name is XXXX 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 2023-03-08
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. (FL)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

I had paid mini overdraft fees. For a very long period of time. The time spent it all the way from the year 2006 through the year XXXX.I can say that I have paid well over the amount of {$5000.00} in overdraft fees within that span of time. My business and my household expenses supper due to this
Consumer complaint received 2023-03-08
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. (KS)

I am requesting again in regard to the inaccurate and unknown things on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-08
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. (MO)

Requesting the removal of all negative accounts, charged off accounts and adverse remarks It is against the law to report any information not proven accurate. I demand that you provide me with concrete evidence of my obligation to said accounts. 

Please be aware all negative remarks found on my consumer report is a violation of the FCRA and the FDCPA whenRemove all charged off and negative accounts and negative information you can not furnish the validity of the remark.
Consumer complaint received 2022-02-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CO)

In XXXX of XXXX I received my escrow analysis for XXXX. According to the NewRez LLC, estimated property taxes for the year XXXX are {$4200.00}. I received my Property Tax bill from XXXX XXXX for XXXX totaling {$2200.00}. This is a GROSS overcharge by the mortgage company of {$1900.00} for the year XXXX, which is reflected in an increase to my monthly payment on the mortgage of {$110.00}. I have contacted the company for My loan was refinanced recently and this company owns the loan. As I said, it is a gross overcharge that needs to be rectified ASAP. 

My intent for this letter is to notify the CFPB of the situation and the public that this company could be defrauding its consumers.
Consumer complaint received 2024-02-27
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. (GA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2022-02-01
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

BANK OF AMERICA did a garnishment on a notice of intent to levy and not an actual court ordered levy and when asked to produce the documents or file that authorized them to garnish account they would not. I need those documents that they used to garnish to file civil liability, damages and actual damages against this illegal activity.
Consumer complaint received 2023-07-17
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: EQUIFAX, INC. (GA)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$7500.00} XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XX/XX/2023
Consumer complaint received 2023-03-08
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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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.
Consumer complaint received 2023-03-08
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. (MI)

My name is XXXX 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.
Consumer complaint received 2023-03-08
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. (IL)

In accordance with the fair credit reporting act XXXX account XXXX XXXX and XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX has violating my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 states a consumer reporting agency can not finish an account without my written instruction.

15 USC 1666B : a creditor may not treat a payment on the credit card account under open end consumer credit plan as late for purpose.
Consumer complaint received 2023-03-08
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. (CO)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

I bought a house in XXXX. Pennymac bought my loan soon after the initial purchase. In XXXX mortgage was {$1500.00}. The principal and interest payment was {$820.00}. The extra was for escrow to pay my taxes and insurance. In XXXX, my taxes was {$4000.00} and my homeowners insurance was {$3800.00}. The following year of XXXX, my payment increased to {$1600.00}. The principal and interest stayed the same ; and my taxes increased to {$5100.00}. Homeowners insurance change. I had homeowners insurance at {$860.00} and wind insurance of {$2500.00} for a {$3400.00} insurance total for the year. In XXXX, my payment decreased to {$1400.00}. Still my principal and interest payment was {$820.00}. My taxes were {$5600.00}. My home insurance was {$920.00} and my wind insurance was {$2800.00} for a {$3800.00} insurance total for the year. My recent escrow analysis states I am negative {$2800.00} and am short {$4000.00}. To make up for this they are trying to increase my escrow from {$630.00} to {$910.00} and add an escrow shortage {$460.00}. This would increase my payment over {$800.00} from XXXX to {$2200.00}. How can this be if things minimally have changed. Someone mismanaged my account over the years. They are saying it's because they have never paid my wind insurance but that is incorrect. They have always paid my insurance. Someone miscalculated and expect me to make up the difference. I am a public educator and I can not afford an {$800.00} increase. {$800.00} a month for a year is {$9600.00}. How can there be that much of a discrepancy. I will either have to sell or default. In addition, I finally applied for a homestead exemption and they don't seem to care. I don't want to loose my house but all they do is give me the runaround and don't offer an explanation, just an excuse about suddenly paying my insurance. I want the truth. If they mismanaged my account, I want them to pay the negative escrow. It's not my fault. I paid what they asked for over three years.