davidheineman/consumer-finance-complaints-large huggingface dataset:
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 is missing that should be on the report
Company: Experian Information Solutions Inc. (NC)

I've previously written Experian and XXXX three letters to update my personal data. A portion of the information on my credit report was for homes I've never lived at, and I requested that they remove old, out-of-date addresses, phone numbers, and employment information in three separate letters. They never removed the locations and places of employment, so I'm going to initiate legal action against both agencies for failing to remove inaccurate information and for violating FCRA by not disclosing information that is 100 percent accurate.
Consumer complaint received 2019-09-11
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX ACCT # XXXX*** OPENED XX/XX/2012 BALANCE REPORTED {$11000.00} AS AN UNPAID CHARGE OFF IS INCORRECT. THIS ACCOUNT WAS TRANSFERRED TO ANOTHER CREDITOR BY THEM AND PAID. I HAVE CONTACTED THEM SEVERAL TIMES AS WELL AS THE CREDIT BUREAUS EXPLAINING AND PROVING MY SITUATION AND THEIR HAVE BEEN NO CHANGES. IF IS AFFECTING MY QUALITY OF LIFE. MY CREDIT SCORE IS  SUFFERING.
Consumer complaint received 2019-09-11
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

XXXX XXXX ACCT # XXXX*** OPENED XX/XX/2012 BALANCE REPORTED {$11000.00} AS AN UNPAID CHARGE OFF IS INCORRECT. THIS ACCOUNT WAS TRANSFERRED TO ANOTHER CREDITOR BY THEM AND PAID. I HAVE CONTACTED THEM SEVERAL TIMES AS WELL AS THE CREDIT BUREAUS EXPLAINING AND PROVING MY SITUATION AND THEIR HAVE BEEN NO CHANGES. IF IS AFFECTING MY QUALITY OF LIFE. MY CREDIT SCORE IS SUFFERING.
Consumer complaint received 2015-10-27
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL (VA)

Wal-Mart/Synchrony has violated my consumer rights and closed my account 3 days after I used it and with no notice to me as the consumer. I am a XXXX XXXX XXXX and still XXXX and because of their unfair, unethical customer service I stand to lose my escrow, loan and my military security clearance. I have paid on time and at times twice a month and more then the min. Their pay system and app has many issues and I have serious concerns about there business practices. this is just of their ways of singling out folks. the person I am talking is the XXXX his name is XXXX -ID XXXX so now I have to worry about my PII being Stolen. now 42 min into the call I get transferred to start all over again. 

I had a credit line of XXXX and only XXXX of it was used. How can it go from me using there card 3 days ago and to being closed with out notices 3 days later. this is some type of fraud.
Consumer complaint received 2023-08-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (CT)

Peoples United Bank ( Peoples ) was the originator of my mortgage loan, and since the origination in XX/XX/XXXX, my HOA has maintained the same insurance coverage. At the time of the origination, representative of People 's communicated directly with XXXX XXXX XXXX to confirm appropriate insurance coverage. I am submitting the chain of emails between People XXXX and XXXX ( note : emails in reverse chronological order ), as well as a XXXX letter issued on XX/XX/XXXX, both confirming that the HOA 's master policy contained " walls in coverage. '' I am also submitted a XXXX letter issued on XX/XX/XXXX, again confirming the same coverage as of that date. Based on these documents, M & T Bank ( M & T ) is incorrect in concluding the master policy contains insufficient insurance coverage.

In the alternative, had Peoples erred in the origination and my HOAs master policy in fact had not included walls in coverage, M & T, as successor to Peoples, should bear the cost of Peoples failure in due diligence. There is no basis in law or equity for a bank to demand its customers pay for the banks own mistakes. I'm submitting a M & T letter dated XX/XX/XXXX, in which M & T stated in its own words that it acquired the loan from Peoples on XX/XX/XXXX but did not provide the first XXXX notice regarding any walls-in lapse until XX/XX/XXXX. M & T 's actions present a serious conflict of interest, as a bank can simply mislead a homebuyer into believing that they had adequate insurance and then, years later, impose a large XXXX premium upon the unsuspecting homebuyer. Note that the actions of M & T 's predecessor led me to reasonably believe I had adequate insurance, and by the time I was notified otherwise on XX/XX/XXXX, I could not have obtained insurance dating back to XX/XX/XXXX, as insurance policies can not be backdated.
Consumer complaint received 2023-10-26
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 appreciate your taking the time to FIX some of the erroneous accounts in my credit file ; however, there are still accounts that need to be DELETD. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-15
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. (FL)

I RECEIVED AN ALERT OF MULTIPLE INQUIRIES ON MY REPORT THAT I DID NOT AUTHORIZED, ALSO THERES A COUPLE OF DISCREPANCIES IN MY INFORMATION.
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

On XX/XX/2023 I was informed by XXXX that my information has been put on the dark web by a data breach from experian I have tried to contact them and they tell me I am not me
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I have sent numerous letters requesting approval and the strategy for how they approved different false and sketchy things on my credit report and have not gotten back anything in more than 45 days for these records that are obviously wrong and fake records. This credit authority is ignoring the law and exploiting buyers and this has caused large pressure in my life. The latest guaranteed letter I sent was XX/XX/23. These are the accounts and their account numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 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. 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 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

Most recent Letter was sent to Shell Point on XX/XX/XXXX Certified XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Loan # XXXX Shellpoint Mortgage Servicing XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Debt/Incorrect Payment Amounts. 

Dear Sir/Madam, I am writing to you in response to a mortgage statement received on XX/XX/XXXX. 
Again, I request that your company provide me with a detailed explanation and documentation of the debt, including a clear breakdown of all charges along with proof of those charges. I also request that your agency cease all collection efforts until this dispute has been resolved. 

My escrow account is wrong and causing extreme hardship as you are collecting double my monthly taxes for no reason and you will not reconcile the escrow account this has been happening since XXXX of XXXX. 

I have been contacting you via telephone calls and have written several letters along with several emails providing proof via documentation starting in XXXX of XXXX. I will provide those certified letters on request. 

Most recently I called on XX/XX/XXXX, and was informed it would be reconciled and expected to hear from you in XXXXen days again no response sent another letter concerning this on XX/XX/XXXX. 

Per your own Mortgage statement, any payments not made in full would not be applied but held in another account that damages credit and has done so. 

I simply cant make a payment over XXXX XXXX dollars higher than required it is damaging and abusive behavior. 

You have locked me out of my mortgage account for months now and I have called several times attempting to get access with no luck, it seems to work for a day then someone locks me out I suspect it may be my complaint to the CFPB that causes you to behave like this. 

I can not see the escrow balance communicate with you or provide documents via the portal. 
This has caused significant hardship and frustration. 

Please note that under the Fair Debt Collection Practices Act, it is illegal for debt collectors to continue collection activities if a dispute has been raised. 
Thank you for your prompt attention to this matter. I look forward to hearing back from you soon. 

Sincerely, XXXX XXXX XXXX : CFPB i.e. 1024.35
Consumer complaint received 2021-12-28
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. (FL)

Dear XXXX XXXX XXXX : You have not followed the permissible purpose provisions of the federal FCRA. A credit inquiry for you, XXXX XXXX XXXX was placed within my credit file on XX/XX/2021. The Act specifies that you must document your reasons for requesting my report and, when in error, remove them as well. I am depending upon XXXX XXXX XXXX to follow the statute : Either provide documentation that the law was followed by researching the matter at once, or remove this offending inquiry as soon as possible. 

Yours truly, XXXX XXXX
Consumer complaint received 2023-06-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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. 

Account name : XXXX  XXXX Account number:XXXX  Account name : XXXX  XXXX Account XXXX Account name : XXXX XXXX XXXX Account number:XXXX Account name : XXXX Account XXXX has violated my rights. Or list of inquiries XXXX 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 2022-05-31
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)

I previously filed complaints with the CFPB ( ID # XXXX and ID # XXXX ) as XXXX and Equifax repeatedly deny my request to provide me with their method of verification as well as documented evidence that I owe the {$370.00} medical debt XXXX XXXX XXXX has reported that I owe. In response to my complaint and request, each again has provided a generic response that the debt has been verified as mine. I have been getting the run-around from all three companies since XX/XX/2022. No one will provide any documented evidence but consistently claim that I owe. I literally have no idea what this debt is for and have repeatedly ask for information as noted in my previous complaints. This is a gross violation of my rights as a consumer. 

On XX/XX/2022, Equifax and XXXX updated my credit file again with this inaccurate information ( that the debt had been verified ). What a sham of an " investigation ''. I demand that this debt be deleted and removed from my credit file immediately as XXXX XXXX XXXX indicated in its response to my CFPB and XXXX  complaints.
Consumer complaint received 2019-07-28
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. (IL)

I paid off loan in XX/XX/2015 and the status on my credit reports all of a sudden is showing 60 days past due. I filed a dispute with credit bureaus and they continue to report in accurate information. I reached out to XXXX and they are saying they are reporting the correct information. I also reached out to credit bureaus and they are telling me to reach out to XXXX to have them change information.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

This is a follow up to previous CFPB Complaint I submitted reuqesting the correction of the erroneous accounts reporting on my Credit File. When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of accounts with erroneous information that should be corrected as soon as possible : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$520.00} XXXX XXXXXXXX Balance Owed : {$1700.00} XXXX XXXXXXXX Balance Owed : {$2700.00} XXXX XXXXXXXX Balance Owed : {$3500.00} XXXX XXXXXXXX Balance Owed : {$1400.00} XXXX XXXX Balance Owed : {$1700.00} XXXX XXXXXXXX Balance Owed : {$600.00} XXXX XXXX XXXX Balance Owed : {$49.00} XXXX XXXXXXXX Balance Owed XXXX {$2100.00} XXXX XXXX Balance Owed : {$910.00} XXXX XXXXXXXX Balance Owed : {$910.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX Balance Owed : {$8000.00}
Consumer complaint received 2019-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Recurring automatic payments established on the account were all processed with exception of the final payment. 

I have been back and forth with XXXX XXXX XXXX  since XX/XX/2018, regarding the fact that they acknowledge quote/unquote, " We are in agreement with you, with regards to your reoccurring payment, it had been previously accepted and should have been accepted in XX/XX/2018, '' Had they accepted my XX/XX/2018, final reoccurring payment, we would not be having this complaint, along with all of the distress and adverse actions that I and my family have suffered due to this bank not accepting/processing my payments until which point they could create a 30-day delinquency entry on my credit bureau file report. 

This information is not accurate ; there were two separate attempts to finalize the last payment, both prior to XX/XX/2018, and just as recently stated in an email from one, Ms. XXXX XXXX XXXX ... " ... the interruption in your payment is the only reason to remove the delinquency. '' Well, this was interrupted, and so, therefore, they need to remove this delinquency ( just as stated by her own words ). Why hasn't she? This has already cost me the recent opportunity to close on a new home, due to the blemish on my credit and fall of my FICO/credit scores resulting ... 

I also certified them a letter in addition to several phone contacts, emails, and more. I have also been the subject of discrimination in the past with this institution, and believe this is much of the same, and I recently raised this issue again. Please examine their past track-record ( s ) as well as mine. I also will provide similar documentation as I have given them in advance, as well as been repeatedly cooperative, with no resolution yet in sight. 

Lastly, allow me to also point out that just prior to the interruption in the reoccurring automatic payments, there had been an account number change, where, the original Platinum MasterCard number ending in # XXXX was changed to a new XXXX Mastercard number ending in # XXXX. This change was not of my request or doing, and the interruption to ongoing payments not getting processed is an internal issue that I can not resolve for them. As a result, this posted delinquency to my credit file is long overdue to be removed and never should have been posted to my credit and all bureaus in the first place. 

The bureaus have also been contacted and I will continue to escalate this right to the point of legal action if necessary until the corrections to their mistakes have been updated and removed from all of my credit bureau reports, and my credit is once again restored as it should have been previously, prior to this misrepresented and inaccurate information that was reported. 

This is an attempt to hold any and all organizations liable, that have failed to enforce the correct reporting of my records and/or amending such, without further delay. Thank you.
Consumer complaint received 2023-10-26
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)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX 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 2022-09-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (IL)

XX/XX/22 I answered suspicious email and immediately phoned Coinbase to see if it was legitimate. I was told no. I asked if account could be shut down and was told it was unnecessary as the lady was monitoring it. I have detailed records of timing of calls and names of people I spoke to. After a lengthy chat i was told all was fine. I hung up and half of my approximately {$120000.00} account was missing. I called back and hit shut down protucol. I spoke with a person and was told the account was shut down. After another lengthy chat, I looked and the remaining funds were gone. I was later told by coinbase that the account was never shut down even though my requests and calls were recorded. I have documented this several times for Coinbase. 9 months have gone by and only generic responses. I was told 3 months max response time. I have coinbase records proving time and length of calls and the multiple withdrawls made by the scammer. It is apparent to me that Coinbase fears no regulatory agency and that they think themselves a law unto them selves Can you help?