davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-11
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. (NC)

Previously I've looked over a copy of my consumer and noticed that there are accounts and information thats reporting either inaccurately or doesnt belong to me at all. There are multiple names and addresses that arent mine along with a collection account stating that I owe them a debt. I have no knowledge of this creditor reporting this account nor did I give them any consent to obtain my personal information and share it. I cant owe a debt if there was never an agreement to pay on any balance between me and the creditor. If they cant provide any verification that we had an agreement, then this account was never mine. I feel as though my right to privacy was violated in which as a credit reporting agency Experian must respect that right. Reporting an account or information thats not verifiable or accurate must be removed from my consumer report immediately. It is Experians duty to do whats fair and equitable for the consumer in which reporting inaccurate information and accounts to my consumer report isnt fair nor equitable for me. Anything that they report on my consumer report must be accurate. 



Violations committed by Experian : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code 1681i - Procedure in case of disputed accuracy 15 U.S. Code 1666 - Correction of billing errors
Consumer complaint received 2023-08-11
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: Kikoff Inc. (AL)

Company is in violation of USC 15 1681 ( a ) ( 2 ) ( i ) which states that a consumer credit report doesnt include information solely as to transactions or experiences between the consumer and the person making the report.
Consumer complaint received 2017-01-25
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: WELLS FARGO & COMPANY (FL)

My elderly father opened a checking account with Wachovia ( Turned Wells Fargo ) sometimes around XX/XX/XXXX when my dad and I were living in North Carolina. He added me as a power of attorney on his account. XX/XX/XXXX, we moved to Florida, by then, Wachovia became Wells Fargo. Eventually, the bank offered my father a credit card which he added a COPY of the card to my name to help him with his transactions. 
After my father passed around three years ago, I notified Wells Fargo, they stiffed me with the entire balance. It was my father ' card, not mine, but they insisted that it 's my responsibility. I have done my research and found out that I 'm not legally responsible, but Wells Fargo would hear none of it. It has damaged my credit so bad, it has been a total nightmare. 
At one point, I could n't even get a loan to get a car, I was taking a taxi to take my kids to school which drained the family financially.
Consumer complaint received 2020-06-24
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. (NJ)

I have written a letter attempted to reach out to rocket loans back in XXXX of this year 2020, two items has been deleted on transunion and experian in regards to an item on equifax my report to be removed, has not been properly verified.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IN)

I requested XXXX XXXX to research and fix the late payment reporting from XXXX, XXXX & XX/XX/2023 from their error of sending my electronic bill to the wrong email address. They promised me they would fix it XX/XX/2023 and it's still not fixed. They added an extra 2 to my email address and I never got the bill, when I realized it was already behind by 3 mo and my online access was not working so I called them, explained the issue, they apologized, fixed my email, I then changed back to getting a physical bill and they promised since it was their error it would not affect my credit. They didn't fix it and it is affecting my credit and my ability to close on my house and I am at risk of losing my earnest money. I have called XXXX XXXX multiple times now to get this issue fixed and have only met with dead ends and " we can't do anything about this ''. I have asked it to be escalated to a supervisor 3 times now and was told the last time they would respond by email within 2-5 business days and it's now been over 7 business days, so I called again today and I'm filing this complaint with the CFPB. Even if they remove the wrong report of the 90 day late payment it will help me from losing my money and they can look further into the others later. But if they assured me they would correct it because of their mistake then I should not be suffering and spending needless time and resources to fix their error. I have also filled disputes with all three credit bureaus.
Consumer complaint received 2024-01-11
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. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

On my Experian report, It shows that I was late on the Real estate loan payment ( the very XXXX payment back in XXXX of XXXX  ). I was never late on the payment and it was supposed to have been corrected of the issue but it was never corrected.
Consumer complaint received 2020-06-24
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Finance of America Holdings LLC (TX)

The company is Finance of America commercial and loan number is XXXX. I have had a loan with FACO since XX/XX/XXXX approximately and never had a late payment till XXXX because of Covid 19. I lost my rental income and a huge chunk of investment income and to add to it, a worker working on my home XXXX XXXX XXXX caught Covid 19 and work was suspended for a month and a half with the lock ups. I applied for loss mitigation and had a few questions regarding what was needed and the rep I was working with XXXX XXXX did not respond. The next thing I got was a letter saying I did not meet the guidelines. I was late in XXXX payment and had to pay the late fee of {$360.00} to get a draw. I had money for XXXX which i borrowed and attempted several times to make the payment but I was unaware that my XXXX   account was hacked and bill pay was suspended. I kept going back and forth with XXXX until i figured this out and had to do a wire instead. XXXX, I did my best and only still secured payment later on. My whole purpose of this email is to ask if it's too much for FACO to give consideration to its customers who were hit by Covid 19. Isn't it a bit extreme to expect payment on time when there's lost income and sick workers working on the fix and flip? I really thought a company with values like yours would at least try and work with the customers? It's quite unfortunate what I have experience. I owe {$790.00} in my account, I can't get a draw, I don't have that money. I don't know what else to do.
Consumer complaint received 2024-01-11
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2024-01-11
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Chime Financial Inc (CA)

I closed my account at Chime about a year ago and this company refuses to send me my closure check. I have made several attempts to contact and get a resolution but was always lied too by the agents. I have been going through this with this company for months and they have consistently harassed me with emails stating false information and protocol that they did not follow.
Consumer complaint received 2020-06-24
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

Shellpoint is my mortgage servicing company. They are supposed to pay my insurance and property taxes through my escrow account. They did not pay my taxes for XX/XX/2020. I received a letter for past due taxes from the state. I have been trying to contact to resolve this and they are giving me the run around. I've call over 10 times and no one answers. I emailed about 15 times with no resolution. They are stealing peoples money and not applying it to the account as legally obligated to do. They are taking money out of the escrow for purposed other than intended. They refuse to answer the phone and rarely respond to email. Their website isn't working. I haven't been able to log into my account for over a month to try to see what's going on. It is obvious there are trying to hide what they are doing to people accounts. I can't even make a payment online anymore. I have to physically mail a check.
Consumer complaint received 2017-02-01
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: ERC (KY)

Two days ago I get an alert that there was a change in my report. I looked on an seen that Enhanced Recovery flagged my report, as I 'm unaware of this company and have never had any contract with this company so the negative report was alarming. No communication or letter was every sent nor attempt to be mailed to me, which I would request debt Validation immediately.
Consumer complaint received 2024-01-11
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. (CA)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 XXXX XXXX # XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-04-30
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: EQUIFAX, INC. (CA)

While checking my personal credit report, which I acquired fromEquifax,  I noticed an unauthorized inquiry made by your company XXXX XXXX on XX/XX/2018 I did not authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( XXXX ) business daysso that I can verify its validity.
Consumer complaint received 2017-06-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

All of my mortgage accounts get paid via bill pay from  XXXX   XXXX .   XXXX    XXXX   XXXX  has sold my lo an to Carrington. W hen this loan was transferred over there was a negative amount in escrow account at   XXXX    XXXX   XXXX . Per escrow instructions, I was paying down the negative over 12 month period with my payments . Carrington computer system has expected illegally to collect full escrow negative from my mortgage payment. Per fair credit act this is prohibited. In addition, I was never correctly notified that my payments were going into suspense and late fees were adding up. I only found out because of inaccurate reporting to the credit bureaus and my credit score going down for miss ing payments that  XXXX  has made on time. I have made additional payments to the account to correct the issue.
Consumer complaint received 2020-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (PA)

XXXX XXXX refused to refund a refundable reservation for a flight in XXXX. I submitted a Visa billing dispute requesting Chase to investigate. On XX/XX/XXXX I received a response from Chase saying that the transaction was valid. 

In their response to Visa XXXX stated that while the tickets were refundable, request for refund must be submitted through XXXX, the agency I used for the reservation. They claimed the reason they didn't refund was because I didn't submit the request through XXXX. 

On XX/XX/XXXX I provided documentation from XXXX confirming that they received my request to cancel in XXXX and had being trying to contact XXXX on my behalf since XXXX, yet XXXX didn't respond to their emails. 

Despite proving to the bank that merchant 's response was invalid, Chase didn't reopen the dispute claiming they had until XX/XX/XXXX to do so. Apparently my fax from XX/XX/XXXX was processed in XXXX. I've also provided a confirmation from XXXX dated that the XXXX cancelled my flight, and offered to rebook me on a different connected flight number with overnight stay in XXXX, which I declined. Still Chase wouldn't reopen the dispute. 

I'd like to stress that Chase never provided a deadline to respond with rebuttal of merchant 's claims. Also contradicting themselves, Chase 's representative told me to wait until XXXX and resubmit the dispute they just closed if the flight is cancelled, seemingly unaware of XX/XX/XXXX deadline. 

Since I can only respond to merchant 's second presentment after receiving it, Chase effectively made the whole dispute process meaningless as they don't allow me to refute merchant 's response.
Consumer complaint received 2024-01-11
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: NAVY FEDERAL CREDIT UNION (IL)

I have seen information about Navy Federal credit Union being investigated for fraud on Loans to XXXX  and I want to know where I can get information about how to proceed with filing a complaint
Consumer complaint received 2020-06-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (CA)

Credit Management LP, account number XXXX is wrongfully appearing on my XXXX, XXXX  and XXXX  credit bureaus.It is a fraudulent collection because the services contracted by the original creditor, XXXX  were not provided.WI-FI required for phones and computers would not function.When I called XXXX  they would tell me to turn the equipment on and off which was done up to 4 times a day.When I called more times XXXX  said they would send a service technician out to repair or replace equipment, however they never came so I changed to another service that worked. 
This item should be deleted from my credit.
Consumer complaint received 2020-06-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX   XXXX {$4600.00} XXXX XXXX  XXXX {$270.00}
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NY)

On XX/XX/XXXX I created an account with Experian, a credit bureau, to put a freeze on my credit because I was suspecting my identity might be stolen at the time. 

On XX/XX/XXXX, I received an email notification from Experian that the credit freeze has been lifted per request. I called them and explained I didn't make such a request. This never happened before I didn't think of asking questions in details. I simply asked them to put the freeze back on. 

On XX/XX/XXXX, I received the same email notification from Experian that the credit freeze is lifted again per request. I called, and the agent told me she remembered a person calling in earlier that day verbally requesting the freeze to be lifted. This person had all of the personal information required to make such a request including my social security number. I used this information to file a report at the local police station. 

On XX/XX/XXXX, I called Experian again to alert my identity has been stolen and to notify that I filed a police report. The agent didn't provide sufficient response, just kept advising that I change my password and pin number. I repeatedly explained I already did, and wanted to speak to different department who can provide other solutions to further secure my account. The agent stated that she is not able to transfer me to a different department and kept repeated I change my password.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PR)

XXXXXXXX XXXX XXXX Account # XXXX. This account was included in my bankruptsy case discharged on XXXX XXXX. This account was transferred or sold, however is showing on my credit report under a different account #, XXXX XXXX XXXX XXXX. Recently they added a balance owe as well.This is a form of terrorism to keep hurting my credit score. 

This is DUPLICATE account in my credit report that is causing double impact on my credit score. 

The personal information listed below requires attention as well. 

Inconsistence LAST DAY PAYMENT and LAST ACTIVITIES DAY are different on each credit berau, everything in my credit report have to be 100 % complete and accurate and those dates are inacurate.
Consumer complaint received 2020-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NJ)

I was billed three consecutive months by XXXX for ads i did not place. when i contacted XXXX in XXXX they said ads were for health spas. when we advised that we are a jewelry store and never have advertised such products they advised to dispute charges with Citibank. The charges were XX/XX/XXXX {$190.00}, XX/XX/XXXX {$320.00}, XX/XX/XXXX {$390.00} total {$910.00}. I disputed all charges with Citibank. They finally responded in late XXXX declining my dispute. Their response from XXXX was that XXXX XXXX represents my company and placed the ads with my credit card #. As proof they showed previous transactions from XXXX when he was my ad agent. we stopped doing business with XXXX XXXX at the end of XXXX. My credit card number has been changed since then and he was not provided with our new number. I asked Citibank how it was possible for XXXX to charge my account with an old obsolete Number. They have not answered. I tried calling Citibank on XX/XX/XXXX and after being on hold for one hour and 17 minutes, gave up and emailed my letter to XXXX. They have not responded. I contacted XXXX XXXX and he insists that he is billed monthly for his ad agency advertising with XXXX directly. He followed up our discussion with an email certifying he did not use my card nor does he have access to my credit card info. Citibank has ignored my claims and XXXX is hiding their error by claiming previous business transactions from 4 years ago!
Consumer complaint received 2024-01-11
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. (CA)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE XXXX DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX # XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.