davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-16
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. (PA)

My personal information was stolen in XXXX, since then I've been seeing a lot of unauthorized inquiries and accounts. I've attached a police report pertaining to the incident. In accordance with the fair credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and remove all inaccurate inquiries i have listed immediately, the following includes : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

The XXXX XXXX XXXX account that is reporting on my credit report is incomplete. There is no payment information listed on the credit report between XX/XX/XXXX when I allegedly opened the account to XX/XX/XXXX. Yet Equifax is reporting that the account was 30 days late in XX/XX/XXXX. There is no payment information listed on my credit report between the periods of XX/XX/XXXX and XX/XX/XXXX. Equifax is reporting that the account went into a charged off status in XX/XX/XXXX and that is false. 
There is no payment information listed between XX/XX/XXXX to now on the account. 
The account is in complete and under the Fair Credit Reporting Act, if an account is incomplete then it shpuld be deleted from the person 's credit report.
Consumer complaint received 2022-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/22, my walker was stolen from my possession. My credit card was used fraudulently for {$620.00} and I immediately notified Bank Of America credit card within XXXX hour that my wallet was stolen and reported the fraud claim. This week o received a letter that they were unable to approve my claim and they charged me for {$620.00} again. I have a police report.
Consumer complaint received 2022-06-09
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: Experian Information Solutions Inc. (NJ)

Experian Credit Reporting Shows two credit card accounts over seven years old 1 ) XXXX XXXX Bank .Open date XX/XX/XXXX ( account closed ) 2 ) XXXX  XXXX Bank Open date XX/XX/XXXX ( account closed )
Consumer complaint received 2020-07-24
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. (MD)

I have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX XXXX appears on my report twice and I have requested these fraudulent accounts be removed from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX These accounts are keeping me from buying a condo, new car and making it impossible to move forward with my life. 

1. XXXX XXXX - balance is showing as {$1400.00}, account partially listed - XXXX, dates not listed, 2. XXXX XXXX - balance is showing as {$1000.00}, account partially listed - XXXX, dates not listed,
Consumer complaint received 2018-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (ID)

Experian has inaccurate credit data in my credit file and has been providing erroneous credit scores to potential lenders. Experian is inconsistently reporting my credit score depending on who the requestor is and the purpose of the request. In XX/XX/XXXX, Experian communicated my credit score as being XXXX to XXXX. In XX/XX/XXXX, Experian reported my credit score was XXXX to XXXX, who reported to XXXX.

On XX/XX/XXXX Experian reported my credit score to be. On XX/XX/XXXX, Experian reported my credit score to XXXX as being XXXX. Because of Experians preferential credit score reporting, I have been declined twice for a home loan and incurred additional points off my credit because of the multiple lender inquiries. If I had though my score was a XXXX, I wouldnt have applied for any type of loan.

Additionally, Experian has failed to correct my credit report with accurate information, regardless of my numerous attempts. There is even an account ( XXXX XXXX - student loan ) that Experian is showing as a negative account even though the loan was paid off and states paid as agreed. That account is over 7 years old, so if it was negative as they have classified it, it should have been removed.

Experian should take immediate responsibility for their inaccuracies. The interest rates are rising, and I have my hands tied as I wait for this professional credit bureau to decide when they will update my report, so it accurately reflects my score. It sure is convenient timing for the credit reporting agencies to take their time to fix their mistakes, as interest and property inflate.

My understanding is that as a consumer I have a right to an accurate credit report and score and that the process put in place today is to ensure mistakes are fixed in a timely manner. Additionally, my credit score is to be reported truthfully and consistently. As such, my rights as a consumer have been violated by Experian.
Consumer complaint received 2021-04-09
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

I have sent in dispute letters to experian dated XX/XX/XXXX indicating that a account reporting to my credit report was not mine. The account was from XXXX opened on XX/XX/XXXX with a balance of {$4700.00}. Its been well over XXXX  days and i also sent them a follow up letter and have not received any progress.
Consumer complaint received 2021-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

AFTER YEARS OF ON TIME PAYMENTS, XXXX XXXX XXXX CHARGED ME FOR A LATE PAYMENT WHEN I WAS NOT LATE ON MY PAYMENT. I CALLED AND TRIED TO FIX THIS SITUATION AND THE COMPANY WAS VERY RUDE AND UNWILLING TO HELP A PROBLEM THAT THEY CREATED. I ASKED THEM TO PLEASE FIX THE ISSUE AND THEY WOULD NOT AND THEY CLOSED MY 2 ACCOUNTS. I NOW HAVE A CLOSED ACCOUNT WITH A LATE PAYMENT ON MY CREDIT REPORT THAT WAS NOT SUPPOSED TO BE THERE.
Consumer complaint received 2020-11-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TN)

This complaint is in follow-up to CFPB complaint XXXX. I have filed multiple complaints with the CFPB against my Lender regarding their handling of my escrow account. Please see complaint numbers : XXXX, XXXX, XXXX, and most recently, XXXX. I received notice on XX/XX/2020 informing me that the PMI on our home had been cancelled effective XX/XX/2020. They said at that time a new escrow analysis would be performed to provide me with updated payment information, reflecting the removal of our PMI. When I did not hear anything, I called the office. I was informed I would receive one by XX/XX/2020. XX/XX/2020 came and went and no escrow analysis. So I called again XX/XX/2020 and I was told nobody ever ordered an escrow analysis, despite me being told there was one ordered and a " rush '' was put on it. So the agent ordered a new escrow analysis, and she said she would put a " rush on it as it was the third I had requested. She said it would be ready by XX/XX/2020. Today I received a letter from Shellpoint Mortgage Servicing informing me that they were removing my PMI effective XX/XX/2020, as well as notifying me that the escrow analysis I received in XXXX of 2020 XXXX prior to my PMI being removed ) showed an overestimation in what my payments would be for the following year ( an issue I disputed with NewRez multiple times ). I called NewRex today to find out how the overages I had paid would be returned/refunded to me and they said they would have to pull the new escrow analysis. Once again, the order for a new escrow analysis was not placed. Finally, I spoke with an agent names XXXX XXXX. She placed the XXXX request we have made for an updated escrow analysis today and instructed me to fax a letter to their escalations department at ( XXXX ) XXXX to inform them this is my 4th request, and to request a " rush ''. I am currently in a forbearance plan due to COVID-19 impacts, and I am working to pay my balance by the date my forbearance plan expires ( XX/XX/2020 ). I must know how much I am actually going to owe in order to satisfy repayment. We have never had a straight answer from NewRez regarding our escrow account, despite multiple queries, and CFPB complaints. It took an analysis from Shellpoint to finally find what I had been telling them all along - that my escrow payment was too high. Now, I can't even get them to order an escrow analysis. They are still holding overpayment for PMI that was cancelled 6 months ago. Something has to be done about their inexcuseable practices surrounding their management of escrow accounts. Normal people just want to pay their mortgage. It should not be this difficult to get what we are entitled to ( an accurate escrow analysis ) so we can pay our mortgage. I have been fighting for months now. This is completely inexcuseable.
Consumer complaint received 2022-06-09
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. (TX)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2023-03-22
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. (TX)

I believe someone is using my personal information to inquire about credit card accounts. I have great credit and do not want these unauthorized inquiries to lower my score. Here are the inquiries that a saw on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove them because this is a violation of my privacy and I did not request for new credit.
Consumer complaint received 2021-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

AFTER YEARS OF ON TIME PAYMENTS, XXXX XXXX XXXX CHARGED ME FOR A LATE PAYMENT WHEN I WAS NOT LATE ON MY PAYMENT. I CALLED AND TRIED TO FIX THIS SITUATION AND THE COMPANY WAS VERY RUDE AND UNWILLING TO HELP A PROBLEM THAT THEY CREATED. I ASKED THEM TO PLEASE FIX THE ISSUE AND THEY WOULD NOT AND THEY CLOSED MY 2 ACCOUNTS. I NOW HAVE A CLOSED ACCOUNT WITH A LATE PAYMENT ON MY CREDIT REPORT THAT WAS NOT SUPPOSED TO BE THERE.
Consumer complaint received 2021-03-05
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: LEXISNEXIS (TN)

On several occasions XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I have contactedXX/XX/XXXX and Lexis Nexus in regards to reporting inaccurate information. I included documentation where I do not have a bankruptcy and that Lexis Nexus has reported this without proper verification and stated that it was public information and that they received the information with the courts. I obtained a letter from that court and they stated that they did not provide any such information and provided me the letter verifying that they did not do so. I sent all the documentation in and all bureaus listed refuse to delete this off my credit report. I researched the laws and regulations and it states that in order for an account to be reported on a credit profile it must report 100 % accurate information or be deleted. The account number that is listed is invalid it is not an original account number and can not even be verified. the law states that the original account number must be provided and have no asterisks and anything inaccurate reporting. The account number has been compromised and is invalid. There is no way they have performed a proper investigation or they would have seen these errors. They have refused to delete it.
Consumer complaint received 2021-06-25
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (OK)

Have reported identity theft to usaa. Filed report on identity theft .gov and sent all information. Have attempted for a month to get this resolved. Every time I've called I've been transferred to multiple departments and placed.on hold for long periods of time. They continue to dispute the fraud claim. My wife at the time took out a personal loan and a car loan using my information and signed electronically. I did not have any knowledge of the accounts. She passed away in XX/XX/2018. She had separate bank accounts that I did not have access to that these payments came from. Upon her death, her mother deactivated the account and I was unable to even access it to see what loans she may have had outstanding. This was brought to my attention due to excessive debt impacting my security clearance for my job. Upon finding out about these accounts I immediately tried to resolve the issue. This company has repeatedly denied the fraud and I have been unable to actually contact the correct people to attempt to satisfy this. I am the victim of identity theft, I had no knowledge that these were in my name and I did not give her permission tomuse my information. I am at a loss on how to proceed as I have been met with resistance each step of the way from this company.
Consumer complaint received 2022-11-19
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

I just looked on my credit report and saw I have two new accounts open on my report for credit cards on XX/XX/XXXX. I just paid off all my credit cards except XXXX, so why would I try for more, plus I don't work anymore to support payments for them so why would I try to get them. I already talked to the one that isn't bank of America because I got a paper in the mail wanting more info about it and told them it is fraud. So I would like these looked into, and closed and taken off my credit report.
Consumer complaint received 2022-05-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

I attempted to withdraw {$200.00} from my Chase checking account. I presented two forms of identification. I lost my debut card and reported it two weeks ago and still have no replacement ard from Chase. The teller was taking exceptionally long, and I asked why she was taking so long. There was no explanation. I asked her to expedite the transaction and she then refused to process it and referred me to another teller. The other teller replied " I'm going to take just as long as she did ''. At that point, I asked to speak to the manager. She was an XXXX American woman. I explained that I was there for over 10 minutes at the teller window and asked why is it taking so long. She refused to process my transaction and instructed the tellers not to process it. She was rude, discourteous, incompetent and u professional. The bank rejected my transaction simply because of the employees ' outlandish unprofessionalism.
Consumer complaint received 2019-08-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America filed an assignment of Deed of Trust on the XX/XX/XXXXof XX/XX/XXXXof XX/XX/XXXXin XXXX County of Texas. The assignment was made to transfer the servicing right from Bank of America to XXXX XXXX XXXX for the property located at XXXX XXXX XXXX, XXXX, TX XXXX. 
However, below are the facts that came out to light which makes us questioning the legality of the assignment : 1. XXXX XXXX XXXX XXXX XXXX already opened a FHA mortgage loan back in XX/XX/XXXXof XX/XX/XXXXof XX/XX/XXXXon my property for an amount of {$180000.00}. The loan was made with my identity information back then without my authorization by it as lender. 

2. XXXX XXXX XXXX XXXX XXXX concealed the loan for a period of 6 years without reporting me or anyone ( Including Credit Reporting Agency ) till XX/XX/XXXX. 

3. Bank of America never mailed me the notice of servicer change as was required under RESPA. 

4. The signature of the assignment of deed of trust is a forged signature of Ms XXXX XXXX when compared with her other signatures. 

Given under these facts, the assignment of deed of trust can mean any of the followings : 1. The assignment of deed of trust was executed by Bank of America to aid and abate XXXX XXXX XXXX XXXX XXXX in money laundering. 

2. Bank of America was bribed by XXXX XXXX XXXX XXXX XXXX to make such assignment of Deed of Trust. 

3. Bank of America assisted XXXX XXXX XXXX , XXXX in identity theft. 

4. The assignment of Deed of Trust is a forged document that has been filed in XXXX County and Bank of America has no knowledge of it. 

XXXX. Any other reason. 

I would expect that Bank of America would clarify this matter.
Consumer complaint received 2023-04-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these accounts being reported is in direct violation of my privacy as pursuant to the fair credit reporting act 15 usc 1681A section 402 and and 404 they should be removed from my credit report as soon as possible!
Consumer complaint received 2022-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

On XX/XX/2022, I sent a letter to Experian via certified mail with tracking number : XXXX in regards the inaccurate information on my report. I have not yet received any updated information regarding the investigation into the account. They have had ample time to investigate and update the accounts in question. 

Since Experian are dragging their feet where it's been well over 30 days, this is grounds for deletion of the accounts as I requested. Under 15 USC 1681b permissible purpose of consumer report, THE LAW CLEARLY STATES : that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer to whom it relates. I did not give Experian, or the companies who furnish the inaccurate information to Experian written instructions to furnish these accounts to my credit report.

I am trying to seek business funding and these inaccurate accounts on my credit report has violate my rights and defamed my character. Please delete the accounts as requested in the certified letter mailed to your company, Experian. Experian is in clear violation of the FCRA.

CFPB please assist me in getting these accounts deleted from my Experian consumer report. This I why I am reaching out for your assistance because I know that although your company is not a court of law, or an arbitration service you have the power to make these companies do what is right in regards the consumer, as you are the only credit bureau.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.
Consumer complaint received 2022-05-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the fair credit reporting act XXXX  acct # XXXXXXXX XXXX XXXX XXXXXXXX XXXX, on XX/XX/2021. 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 an account without my written instruction.