davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (GA)

I did not ask set up escrow account when I got mortgage loan from HOMEPOINT. I had paid only premium and interest, which was {$1400.00} every month since XXXX XXXX until I got a letter from XXXX ( new mortgage company ) in XXXX. It was said I had {$2100.00} dues in the escrow account and I had to pay. I tried to contact with HOMEPOINT, but they refused to give me record about escrow account payment. I pay {$1600.00} ( {$180.00} extra ) instead of XXXX every month ( for 12 months ) to avoid impacting the credit score.
Consumer complaint received 2023-03-30
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. (NY)

The following unauthorized hard inquiries has placed a negative effect on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-22
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (GA)

The problem is that I received the information after the account was closed. I dont have any prior knowledge of the account at risk of being closed. I have been a little bit behind on payments, but made payment arrangements through the credit card department. I feel that I was discriminated against due to my race.
Consumer complaint received 2023-03-30
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)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2022-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

in accordance with the fair credit reporting act i believe XXXX XXXX XXXX account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-05-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I contacted XXXX to learn why score dropped by 35 points as nothing on my report would indicate why such a drop. The agent said she does not know why and the computer provides the numbers. I also informed her that one of the items is showing an increase to my account. I explained to her that if my previous month report was XXXX and now my current balance is XXXX how was an increase done. She just kept repeating the same thing. I asked her if she could put in an inquiry to find out why my score dropped by 35 points if nothing on my report is indicating the reason for this. All she could say is the computer generated it. I want experian to look into why my score dropped by so much with details. This is just unacceptable to a consumer that helps to stimulate the economy through purchases and paying for my purchases.
Consumer complaint received 2023-03-30
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. (LA)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

in accordance with the fair credit reporting act i believe XXXX XXXX XXXX  XXXX and account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-03-30
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: CREDIT ACCEPTANCE CORPORATION (NC)

Good afternoon to whom it concern, In the past few months, I have been trying to fix my credit due to the fact that I am trying to buy a house and my credit is very important in this matter. I recently reached out to credit acceptance to try to resolve a problem about my credit report. We came to an agreement that if I pay XXXX they will close my account, I then asked them will this {$260.00} delete this negative item off my credit report they told me no. I then asked if I could pay to delete and not pay to close they told me that they do not delete anything off your credit report. according to the XXXX this is a volition of my rights. My first letter stated that " every step must be taken to assure the information reported is completely accurate and correct. The following information needs to be investigated and DELETED if not fully validatedXXXX XXXX is not verification, might I add. I want to be provided proof of this alleged item, specifically the contract/terms with my wet signature. '' I was not provided any proof from the above details. I am asking for help. 

Thank you for you time
Consumer complaint received 2022-06-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (PA)

I am writing you this statement to delete the following information on my report. The item I need deleted is listed in the report. I am a victim of identity theft, I demand that you remove the item to correct my credit report immediately! I have reported this to the federal trade commission and I have also attached the federal trade commission out affidavit. Now that I have given the following information, please correct my report or I shall proceed with involving my attorney!
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (DC)

Per XXXX XXXXXX/XX/XXXX, I received a notice from XXXXDepartment of Education that I received a total and permanent discharge of my student loans ( TPD ). This is not accurately reflected in all three credit bureaus. When I disputed the claim with Experian in late XXXX, for example, XXXX returned information saying that it was accurate. 

Further, my account with XXXX is reflecting a past due balance and after repeated communication, they have not responded or resolved the issue. 

Something is wrong with their system and it is costing me money. Thank you.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am putting credit reporting agencies on notice that I have opted out with these financial institutions to stop sharing my non public personal information and these are my CFPB complaints CFPB - XXXX - XXXXXXXX XXXX XXXX XXXX  CFPB - XXXX - XXXXXXXX XXXX XXXX XXXX  CFPB - XXXX - XXXXXXXX XXXX XXXX XXXX  CFPB - XXXX - XXXX XXXX CFPB - XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-04
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capio Partners, LLC (TX)

I was checking my credit as I am building it to buy a home, I noticed my credit repoirt went down. Upon further investigation I saw that a company called Asset Care LLC had placed a derogotory mark on my credit for an XXXX XXXX  bill, that when was previously discussed approximately XXXX of XXXX, this should have been taken care of by my health care insurance providor. They said that they would look into the matter and get back with me. I didnt hear anything back from them. I had just aquired a debit consolidation loan to pay off all my debts, so this would have been included in order to clear it, had they gotten back to me. I called them yesterday XX/XX/2021 and spoke to a XXXX XXXX- she confirmed with me that they did infact speak to me over the summmer, I requested them to submit this to my insurance company for payment, she also confirmed that nothing else had been done with the account after that. I again request that they submit this to my insurance company, XXXX XXXX said she would have a detailed bill mailed to me, and they would remove the derogotory mark from my credit. However the damage has been done. I now have to recover 60 points on my credit report that should never have been taken off. Below is a desription of the drogotory information they placed on my credit report. I had XXXX derogotory marks on my credit until this. 

ASSETCARE LLC COLLECTION/CHARGEOFF Other {$85.00} Status Date Reported XX/XX/2021 Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported Account Details Original Lender XXXX XXXX  Account Type Not Reported Responsibility Individual Age Of Account 0 Years, 4 Months Credit Limit Not Reported Highest Balance {$85.00} Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Contact Us AssetCare is here to provide you with more information, answer any questions you may have and help find a solution that works for you. Please let us know how we can help. 
Talk to a Representative : XXXX Automated Payment : XXXX Mailing Address : AssetCare , LLC XXXX. XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2023-03-30
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. (NC)

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ALLY FINANCIAL XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX FINANCIAL XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

The addresses that are on my credit report are not my addresses.I have had an issues of identity thief.I filed a police claim and everything to have the issues resolved.I also filed complaint/dispute to the credit bureau ( Experian ) about my identity being compromised, and the information is still there.
Consumer complaint received 2020-05-21
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: EQUIFAX, INC. (CA)

I applied for an XXXX credit card a few weeks ago and I was not approved instantly but I didn't think anything of it, now today XX/XX/20 I got a letter in the mail saying that the reason that they could not approve me for their credit card is because there are negative accounts or loans on my credit. I didnt know what accounts they were talking about because none of my loans/credit cards have ever been late or in negative standing. I looked through my credit report and I saw more than ten accounts on my report that are not mine. I did not open any of those accounts and I did not give anyone permission to open those accounts in my name. I don't know who opened these accounts in my name without my permission but I have already filed a police report. I did not benefit anything from those accounts such as money, goods, services or any other benefit nor did I ever make any payments towards those accounts. I don't have a contract or relationship with any of the companies I listed.
Consumer complaint received 2022-11-09
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be corrected from erroneous reporting in my file. 

XXXXXXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-01-22
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. ()

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 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 following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$2200.00} US DEPT ED XXXX Balance : {$980.00} US DEPT ED XXXX Balance : {$1000.00} US DEPT ED XXXX Balance : {$680.00} US DEPT ED XXXX Balance : {$1300.00} US DEPT ED XXXX Balance : {$1900.00}
Consumer complaint received 2024-01-22
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (LA)

I hope this message reaches you promptly. I've followed the correct procedures in disputing these accounts reaching out to the bank, filing a report and affidavit with law enforcement through Identitytheft.gov, a federal agency, and contacting the credit reporting agencies. XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance : {$10000.00} and XXXX XXXX XXXX XXXX Date Opened:XXXX Balance : {$3600.00}. This matter requires urgent attention, and I request that you handle it with the swiftness it deserves.
Consumer complaint received 2022-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX, Experian and XXXX had the wrong date of birth on my profile. My correct dob is XX/XX/1978 not sure why you all are reporting incorrect dob.. never had a problem to recent .please make sure my dob is reporting as XX/XX/197XXXX XXXX
Consumer complaint received 2020-02-07
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. (GA)

According to the Fair Credt Reporting Act Section 609 Disclosures to consumers ( a ) ( 1 ) ( A ) companies are required by Federal Law to verify debt. Upon seeing XXXX XXXX XXXX XXXX XXXX on my credit report, I have disputed this account and demanded that the account be validated. Not only has the original debt collector NOT provided validation of the debt with original contracts bearing my signature, but they have forwarded the debt to XXXX, XXXX XXXX XXXX, XXXX. I believe the credit agencies and XXXX XXXX  are violating the law.
Consumer complaint received 2021-09-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Dynamic Recovery Solutions, LLC (GA)

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that DYNAMIC RECOVERY would verify the debt. So I took it upon myself to ask DYNAMIC RECOVERY for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Consumer complaint received 2024-01-22
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. (IL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2023 XXXX XXXXXXXX XXXX XXXXXXXX XXXX, IL XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX.
Consumer complaint received 2020-05-21
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. (GA)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasnt approved so it prompt me to check my credit report. These items listed are not mine and need to be removed.
Consumer complaint received 2024-01-22
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. (MI)

This is one of my attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, MI XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$540.00} XXXX XXXX XXXXXXXX Balance Owed : {$760.00} XXXX XXXX XXXX Balance Owed : {$3100.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$600.00} XXXX XXXX Balance Owed XXXX {$5200.00} XXXX XXXXXXXX Balance Owed : {$470.00} XXXX XXXXXXXX Balance Owed : {$620.00} XXXX XXXX Balance Owed : {$5200.00} XXXXXXXX XXXX XXXX Balance Owed : {$600.00} XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-22
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (LA)

I hope this message reaches you promptly. I've followed the correct procedures in disputing these accounts reaching out to the bank, filing a report and affidavit with law enforcement through Identitytheft.gov, a federal agency, and contacting the credit reporting agencies. XXXX XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$10000.00} and XXXX XXXX XXXX XXXX Date XXXX Balance : {$3600.00}. This matter requires urgent attention, and I request that you handle it with the swiftness it deserves.