davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-04
Product: Credit reporting 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)

To whom it may concern, This complaint is against EXPERIAN, XXXX, AND XXXX for the following violations of my rights as a federally protected consumer under the Fair Credit Reporting Act and Privacy Act of XXXX. 


15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. EXPERIAN, XXXX, AND XXXX are in direct violation of this law by reporting my transaction history ( private information ) illegally WITHOUT my WRITTEN CONSENT for XXXX  XXXX XXXX  account # XXXX  and XXXX XXXX XXXX  account # XXXX. Reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Fair Credit Reporting Act compliance. Per 15 USC 6802 I am now exerting MY RIGHT to OPT OUT of sharing my transaction history. All transactions reporting as late on XXXX  XXXX XXXX  account # XXXX  must be deleted and updated to paid as agreed. All transactions reporting as late on XXXX XXXX XXXX  account # XXXX  must be deleted and updated to current/paid as agreed. A response of this account has been " validated ', will not be accepted as I am not asking you to validate or verify anything. EXPERIAN, XXXX, AND XXXX are reporting the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the amount {$520.00} as a charge off on my credit report. The IRS CLEARLY defines a CHARGE OFF as a CERTIFICATE OF INDEBTEDNESS which is now INCOME. INCOME CAN NOT be reported on THE CONSUMER REPORT which makes reporting of this account INACCURATE and in violation of 15 USC 1681. Additionally, the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt EXPERIAN, XXXX, AND XXXX reporting collections/Charge-Offs , late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness by Certain Entities.
Consumer complaint received 2022-04-28
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 : XXXX XXXX XXXXXXXX XXXX XXXX, has violated my rights.

Dept EDXXXX # XXXX, has violated my rights.

DPT EDXXXX # XXXX, has violated my rights.

DPT EDXXXX # XXXX, has violated my rights.

DPT EDXXXX # XXXX, has violated my rights.

DPT EDXXXX # XXXX, has violated my rights.

DPT ED/XXXX # XXXX, has violated my rights.

DPT EDXXXX # XXXX, has violated my rights.

DPT EDXXXX # XXXX, has violated my rights.

DPT EDXXXX # XXXX, has violated my rights.

DPT EDXXXX # XXXX, has violated my rights. 
XXXX  # XXXX, has violated my rights.

US DEPT ED # XXXX, has violated my rights.

DPT EDXXXX # XXXX, has violated my rights.

DPT EDXXXX # XXXX, has violated my rights.

DPT ED/XXXX # XXXX, has violated my rights. 
XXXXXXXX XXXX XXXXXXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights.

US DEPT ED # XXXX, has violated my rights.

U S DEPT OF EDXXXX XXXX XXXX, has violated my rights.

DPT EDXXXX # XXXX, has violated my rights.

DPT EDXXXX # XXXX, has violated my rights.

DPT EDXXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX  # XXXX, has violated my rights. 
XXXX  # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXXXXXX XXXX XXXXXXXX, has violated my rights. 
XXXX XXXX XXXXXXXX, 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 2021-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NJ)

On XX/XX/XXXX I reached out to Equifax regarding an inaccurate reporting of a public record on my file. I disputed this public record with Equifax on XX/XX/XXXX which was completed on XX/XX/XXXX. The results of this dispute were that the public record was deleted from my credit file. However, when I spoke to Equifax they told me it was reported back on. After speaking to a supervisor named XXXX, employee number XXXX, he informed me that he escalated the issue as a complaint. After asking him who/which department actually deletes these items he said there isn't and the computer does it. He then hung up on me after telling me he couldn't answer my questions. I called back and got " XXXX '' employee number XXXX and she then explained the same things to me and also told me they don't have information on any managers that I can speak to. None of them could help me and kept providing me with the same answers which seemed very predetermined responses. The way I was treated after challenging information that was inaccurately reported on my file was unacceptable.
Consumer complaint received 2021-05-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One is committing fraudulent activities. 
I have paid my credit card with them over more than 2 years ago. 
Capital One is selling paid off account to collection companies to make money. 
People must be aware of the criminal act of Capital One. 
I will post this on every social medial and consumers
Consumer complaint received 2021-04-05
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. (TX)

XXXX XXXX is reporting 2 accounts stating charged off # XXXX amt XXXX XX/XX/XXXX - and another XXXX XX/XX/XXXX for XXXX. 
Ive filed FTC Id theft affidavits on both Accts - reported to XXXX XXXX pd and Tx ATTY generals office - ADA - Im XXXX XXXX -I demanded any time of validation or verification with no luck- Ive not given this to a local attorney for legal action against XXXX  and Experian for reporting this Id theft -
Consumer complaint received 2020-07-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MN)

Sent multiple correspondence letters asking the debt be verified under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that their claim is disputed and validation is requested. I have not received any answers and its been months for that reason I would like for it to be deleted off of my Credit reports.
Consumer complaint received 2020-07-17
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MI)

Contacted Experian, XXXX, and XXXX  regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.
Consumer complaint received 2022-11-17
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: Experian Information Solutions Inc. (CA)

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 are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-28
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. (WA)

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights 15 USC 1681 Section 602 States I have rights to privacy 15 USC 1681 Section 604 A section 2 : It also states that A consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat any late payment on a credit card account under all open end consumer credit plan as late for any purpose
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MS)

I was looking over my credit report and saw I had five different names, addresses, employers. Am a victim of identity theft my name is XXXX XXXX, my addresses is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX my employer is XXXX XXXX please delete any other names, addresses and employer.
Consumer complaint received 2022-04-28
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. (WI)

In accordance to the fair credit reporting act, Inquiries : XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 instructions.
Consumer complaint received 2021-04-29
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (TX)

We've repeatedly contacted the mortgage company that our home is 100 % exempt from property taxes as of XX/XX/XXXX due to XXXX XXXX veterans exemption and the escrow should be adjusted to remove that amount going in there for property taxes. 

I sent emails sent with supporting documentation to the company XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

Called the company XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX We received notice there would be an increase taken out rather than less.
Consumer complaint received 2018-02-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caneel Capital, LLC (CA)

on XX/XX/XXXX, Trinity Financial Svcs LLC, a foreign company registered in XX/XX/XXXX, is acting as the Trustee for XXXX XXXX XXXX XXXX, a company that was taken over by XXXX. This was part of the XXXX XXXX XXXX award in XXXX. The DOJ XXXX XXXX and other banks. There was a 2nd mortgage that should have been extinguished through the modification process award from the judgment and settlement. 
XXXX XXXX XXXX  did not complete the process. They needed to release the lien through the modification that was approved on the first trust deed. The first and the second trust deed were from the same investor. It was a package deal to purchase the property. 
When the XXXX XXXX XXXX was award, the loss mitigation department from XXXX needed to correct and fix the mortgages if the consumer qualified. After applying, XXXX approved the modification as the property was approved to be included as part of the compensation awarded. When I got notified that everything was completed and I didn't need to worry on the 2nd because it was included in the Chapter 7 bankruptcy and it was settled, it didn't occurred to me to follow up on everything to make sure there was no mistakes on the modification. My Trust was in XXXX to get the job done. There was a special circumstances under the XXXX XXXX XXXX from XXXX to extinguish these 2nd mortgages. If the consumer filed a chapter 7 or chapter 13 Bankruptcy the lien was to be extinguished. It was a special program to assist the homeowner and fix the mortgages. When my modification was done, they said I didn't need to worry about anything and my mortgage was correct and fixed. Well it was not because it open the opportunity for a company like Trinity Financial to try and collect money they are not entitle too. They are trying to foreclosure on my property that was declared as a qualifying property under the XXXX XXXX XXXX. They are collecting on a debt that they are not entitle to do so. The Assignment of deeds might be a fraud document that was generated under false circumstances.
Consumer complaint received 2022-11-16
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. (NJ)

I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX, to correct theses suspicious information. I think you have not validated these items in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX  XXXX Balance : {$490.00} ; XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$360.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$360.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$340.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$120.00} ; XXXX  XXXX ( XXXX Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  ) XXXX Balance : {$780.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  ) XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00}
Consumer complaint received 2021-07-17
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you 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. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account
Consumer complaint received 2020-07-17
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: EQUIFAX, INC. (CA)

XXXX XXXX, XXXX Inquiry date : XX/XX/2019 They Ran my credit twice in the same day I wrote to them No response The Fair Credit Act did not respond thank you
Consumer complaint received 2021-10-19
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

I contacted Capital One about an account ending in XXXX that did not belong to me but is reporting on my credit file. I was advised by the representative that the account would be removed from my credit report on XX/XX/15 when they did the reporting to the credit agencies. This account has not been removed from my credit report and it is impacting my credit score.
Consumer complaint received 2020-08-21
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THESE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THESE INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2021-07-13
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: General Motors Financial Company, Inc. (PA)

This complaint is the result of numerous actions trying to get a fair solution to this issue. 

There is a late payment reported in XX/XX/XXXX on the XXXX AUTO LOAN : XXXX XXXX XXXX. Account # XXXX. I am a frontline worker XXXX  and essential worker. I got an extension after lease was extended. I was affected by covid-19. I was locked out of app and when I called XXXX, they told me no payments were due. 

I have been through a really hard situation that has a simple solution. It has affected all areas of my life ( emotional, familiar, financial life ruined, etc. ). Your company has committed multiple violations of the FCRA : - Negligence - Unfair business practices - Failing to provide online access - Failing to give deferment - Failing to send late payment insertion notice My demand is to get the late payment or the entire account removed from all credit reporting agencies.
Consumer complaint received 2021-05-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (TX)

Twice I have had my money stolen via XXXX by sending money to the wrong user the first time it was {$300.00} sent to someone with my old number, and recently I was scammed into sending {$970.00} by someone offering services, sending a fake address number and name and then when I showed up to the location the business did not exist and there was no one to make contact with. In both situations I asked my bank and XXXX to refund the transactions and they refused because the money was already transferred to the recipients bank. Only stating that I would have to take it up with the recipient. And I am unable to contact the recipient because they number they gave me they no longer respond to.