davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-26
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. ()

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-16
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. (PA)

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 2023-01-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (MD)

On XX/XX/2021 I closed on a new home in XXXX XXXX, MD. Pennymac mortgage took possession of our mortgage. They also held the Seller of the homes mortgage. The State of Maryland sent a property tax bill in the amount of {$4200.00} to PennyMac mortgage in XXXX of 2021. This bill was the seller 's responsibility to pay as they covered months the seller was in possession of the home. However, Pennymac paid this bill and charged my family for it. The title company was not aware that the property taxes were paid from my account and refunded any money held for property taxes from the seller. Pennymac mortgage is holding me responsible for this error and has gone up on my mortgage substantially to cover the cost of someone else 's tax bill. This is causing an extreme hardship for my family as our mortgage is already substantial. Pennymac should not hold me and my family accountable for someone else 's bill. They have also explained this will impact my credit.
Consumer complaint received 2020-08-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Real Time Group, Inc. (CA)

I spoke with XXXX XXXX office and they told me to contact you. ASAP I'm currently update to date on 1st Mortgage payment.. THIS IS ONLY ON THE 2ND MORTGAGE PAYMENT On the 2nd Mortgage payment this place is : REAL TIME RESOLUTIONS INC XXXX XXXX XXXX XXXX, TX XXXX harnessing me!!! They keep CALLING ME AND SENDING THREATEN LETTER THAT THEY WILL TAKE MY HOUSE, im a senior and XXXX years old, and my health is not good. There TRYING to FORECLOSURE ON ME. I NEED YOUR HELP IN THIS MATTER. I DID try to pay them but in XXXX everything went upside, and my wife had XXXX this is the 2nd Mortgage fell behind and I did make a few payment. Now today I received a letter date XX/XX/XXXX, they are threaten ne m since this Conv-19 have been going on, my funds are really low and very hard for me, I'm now XXXX  years l old and on a fix income of {$900.00}. I'm asking if you can contact the place that took over for XXXX XXXX  and have them to write it off and STOP with all the threaten letter and calls. Possible able to W/O to excuse this loan was back in XXXX XXXX XXXX  had it back XXXX, they closed down and the company is NO LONGER in business and XXXX  XXXX XXXX took over the 1st mortgage, but they did NOT take the 2nd Mortgage. Thank you so much look forward to hearing from you soon XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX
Consumer complaint received 2020-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OK)

Hello, Your Company is reporting unverified accounts on my credit profile. By continuing to do so they are in violation of 15 U.S.C. 1681. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 the credit reporting agencies are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report to assure maximum accuracy.

I have sent multiple requests for proof of verification ( copy of the original consumer contract with my signature on it ) of the accounts they are reporting on my credit report in the form of disputes. Every one of my requests has been ignored. Your company 's continued ignoring of my multiple requests for proof of verification ( copy of the original consumer contract with my signature on it ) has and is hindering my ability to obtain credit. 

My most recent request for proof of verification of the unverified accounts was sent out on the XXXX of XXXX, 2020. 

I also sent out a request for proof of verification of the unverified accounts on the XXXX of XXXX, 2020 with no deletions or proofs of verifications as required by law. 

I am simply requesting that the credit reporting agencies properly verified accounts they are reporting on my credit profile and send me proof of verification or simply delete them, which they have ignored those requests time and time again so I am reaching out to you and asking for your assistance in this situation. 

Thanks in advance.
Consumer complaint received 2022-09-16
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. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX Date Opened XXXX XXXX, 2016 Balance {$0.00}, XXXX XXXX XXXX XXXX XXXX Date Opened XXXX XXXX, 2016 Balance {$0.00}
Consumer complaint received 2022-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Date Opened XX/XX/2017 Balance {$100.00}
Consumer complaint received 2020-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (FL)

I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent accounts present in Exhibit C are in fact compliant and not subterfuge? All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least, they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable accounts on my report.
Consumer complaint received 2020-06-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: SLM CORPORATION (NC)

Sallie Mae " account manager '', XXXX, has continued to harass my family and my family 's co-workers ( bosses ) at their places of employment. The SM account manager called my aunt 's boss, at her job and asked specifically for her boss - by name - and then asked if he knew me or how to get in touch with me. I do not personally know her boss, he knows my name - that is it. This is illegal - Sallie Mae 's account manager can not call my family 's co-workers at their places of employment regarding my financial hardship. The call was on XX/XX/2020 at XXXX. 

Additionally, XXXX ( account manager ) screamed at my mother when she was telling him she was at work and would need to call him back, he continued to talk over her and did not listen to a word she was saying. Instead he proceeded to call everyone in my family he could think of calling. 

Yesterday, we asked a manager with Sallie Mae to remove XXXX from my account for his illegal, predatory actions - we were advised that my account manager could not be changed. 

I would appreciate some guidance or assistance.
Consumer complaint received 2020-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am writing this due to non-compliance with the CRA Transunion. 

They have failed to remove information that was affiliated with personal identifiers that were challenged and removed in the past. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. 

The accounts are listed below : US Department of Education, Acct # XXXX DEPTEDXXXX, Acct # XXXX
Consumer complaint received 2020-06-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2020, I sent the sum of {$3000.00} through chase quick pay to a friend of mine and later realized it went to a different person. I contacted my bank to help get a reversal, but the shocked response was " there's nothing we can do about it, just let it go '' or contact the recipient to request for your money. I contacted the recipient, but he hanged up my call and blocked my number. I decided to call the coperate executive office to file a claim, few days later, I got a call from chase bank that they can't help me because they didn't see it as fraud. 
The bank knows the right thing to do to recover my money, but it seems they have favorite customers. XXXX told me that my bank could get my money back, but my bank is refusing to file a claim with the recipient bank.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-10-28
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. (AL)

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 XXXXXXXX XXXX XXXXXXXX # has violated my rights. 

15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written consent.
Consumer complaint received 2020-06-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Risecredit, LLC (DC)

RISE has reported an account in collection to the XXXX  credit bureau. I have contacted them numerous times by mail requesting validation of this account. They did not provide any details about their authority to collect this debt, a copy of the last billing statement sent to me by the original creditor, or provide a copy of the written agreement that created my original requirement to pay. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt. Please note this is a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent. If your office fails to reply to this debt validation within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.
Consumer complaint received 2022-09-15
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. (TN)

I am a natural person..I am a living human being.. I have rights under the FCRA, 15 USC 1681. Experian and XXXX are governed by the 15 USC 1681, and they have violated my consumer rights numerous of times..Because of these violations and reportings without my written signature and consent, it's been hurting me, it's been hurting my payments, my credit utilization, i have high interest rates because of it and much more.. I demand these accounts listed below to be completely removed from my credit report.. According to 15 U.S.C. 1681b, section 604 2 ( a ) of the FCRA, it says a consumer reporting agency may furnish a consumer report with the written instructions of the consumer. I, the consumer, have not given Experian, XXXX, XXXX or any other consumer reporting agency any written consent or instructions, nor have i signed my signature on anything to furnish my consumer report. According to 15 U.S.C. 1681 ( a ) ( 3 ) of the FCRA, it says Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. According to 15 U.S.C. 1681 ( a ) ( 4 ) of the FCRA, it says there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. As a consumer, according to the FCRA, my rights have been violated and i've been taken advantage of..The law is the law. We must abide or face severe consequences..Please delete the accounts below from my credit report. Account Name : XXXXXXXX XXXX Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Number : XXXX, Account Number : XXXX, Account Number : XXXX, Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX  Account Number : XXXX, Account Name XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-01-06
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: CAVALRY INVESTMENTS, LLC (IL)

Cavalry collection agency has been sending me letters regarding a debt that is not mine. I have sent them debt validation request letters on XX/XX/XXXX and XXXX, XXXX and they refuse to send me the information required. Instead, they repeatedly state that they verified the information and it is correct, without sending me the actual information which they are required to do so by law. They have reported this alleged debt to the three credit reporting bureaus and refuse to delete this fraudulent information.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY (UT)

I dont recognize this inquiry by this lender, and I dont remember authorizing them to perform multiple hard inquiries on my credit report. '' I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry or delete this inquiry.
Consumer complaint received 2024-02-26
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)

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 XXXX XXXX
Consumer complaint received 2020-06-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ALLIANT CREDIT UNION (MN)

Ive submitted a previous complaint with this company. Now I have another one!

After much time, frustration, and contacting various organizations ( like CFPB ) for assistance Alliant Credit Union finally did allow for a safe virtual inside inspection for our home refinance due to the pandemic. We also went to closing on XX/XX/XXXX with a mobile notary coming to our home and us signing documents on our front lawn outside, with masks, and engaging in social distancing. 

However, it took a few additional days for me to receive my cash out funds after closing and some documents that we signed were not correct. And most importantly, Alliant Credit Union withdrew my old monthly mortgage payment of {$3500.00} on XX/XX/XXXX XXXX weeks AFTER closing on new loan which should not have happened! To date Alliant Credit Union has NOT redeposited these funds back into my bank account. I have email correspondence from Alliant saying they incorrectly withdrew these funds and these funds are supposed to be returned but have not yet done so!! 

My home mortgage refinance continues to be problematic with Alliant Credit Union. They should not be allowed to conduct business the way they do! 

Please let me know what recourse I may have with this mortgage company. 

Thank you again for your help, XXXX XXXX XXXX
Consumer complaint received 2023-06-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY (NY)

This Bank keeps contacting me stating I am in default and chargiong me late fees and interest charges even though I have paid all of my mortage payments on time. I have sent copies of cancelled checks indicating the same to the Bank twice, and called them over the phone multiple times without results, and my credit ratings have suiffered due to the Bank 's mistakes..
Consumer complaint received 2022-10-28
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. (NY)

I am a victim of Identity Theft, on XXXX and XX/XX/2022 ive disputed this fraudulent id theft account on my report ( XXXX XXXX XXXX XXXX # XXXX ). 
experian and XXXX have not responded and they haven't removed this fraudulent account. i filled out a ftc report for this account and they still ignore me. 
pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt of my last letter and they failed to do anything for two months in a row. 
thats against the law and its been more than 30 days since my last letter on XX/XX/2022 Also the XXXX XXXX XXXX XXXX # XXXX is a charge off and has a balance of {$16000.00}, htis is a charge off account with a balance, how can it have a balance if XXXX has been paid n written it off on there books, and i also received a tax form for it. 

experain and XXXX are breaking a number of consumer laws FCRA 605B ( 15 U.S.C. & 1681 c-2 ) 15 U.S. Code 1681b- Section 609 ( a ) ( 1 ) ( A ) of FCRA 605 B 15 U.S. Code 1681 C-1 15 U.S. Code 1681i ( 5 ) and needs to be removed and deleted for violations of all these laws