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

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information.

You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-18
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (FL)

I have called Fay Servicing and emailed them numerous times over the last 45 days about my homeowner 's insurance. They currently escrow for my insurance but to date have still not paid my homeowner 's insurance. Since they have not paid, the insurance companies have canceled my insurance on the property. My insurance broker has also reached out numerous times and still, we have not been able to get Fay Servicing to send out payment for my insurance. I am not sure what else can be done at this point.
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. (NY)

I am facing substantial challenges due to negative credit reports, hindering my chances of securing jobs, apartments, and loans. This has created a roadblock in my pursuit of a better life for myself and my children. Overcoming these hurdles is essential for our well-being and the opportunity to access generational wealth. I am determined to move forward, but the impact on my mental health and character underscores the urgency of resolving these credit issues. According, to the 15 U.S.C 1681 there should not be any damages to my credit and these reports are defamatory to my character. Your understanding and support in addressing these challenges mean a lot to me.
Consumer complaint received 2024-01-11
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. (MN)

I WROTE TO THE COMPANIES TO STOP REPORTING INQUIRIES PER 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
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. (GA)

There are inaccurate information reporting on my credit file : Incorrect Personal Information : Name : XXXX XXXX XXXXXXXX ( XXXX  ) Name : XXXX XXXX XXXX ( XXXX  ) Name : XXXX XXXX ( XXXX  ) Address : XXXX XXXX XXXX XXXX XXXX ( XXXX ) Address : XXXX XXXX XXXX ( XXXX  ) Address : XXXX XXXX  XXXX XXXX ( XXXX  & Equifax ) ) Address : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX   ) Address : XXXX XXXX XXXX XXXX XXXX XXXX ( Equifax ) Fraud or Identity Theft Items : XXXX XXXX XXXX - Open Date : XX/XX/XXXX ; Bal : {$10000.00} ( XXXX  ) XXXX XXXX XXXX - XXXX - Date Open : XX/XX/XXXX ; Bal : {$290.00} ( XXXX  )
Consumer complaint received 2020-06-24
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My account was hacked, my password was changed and locked me out. There was a check deposited ( {$4200.00} ), that I immediately called Bank of America about and reported it as fraud. They told me they would look into the claim, and never gave me any answers. Then out of the blue they close my account, without letting me know. I paid off any debts that I owed and XXXX  out the account. Now months later I am trying to open another bank account, and they have reported false information to XXXX. Every banking application I submit gets denied because I have fraud on my report. I have called the banks, and XXXX  and no one will help me. The only thing I have seen that is giving me hope, is to file a report through here. This was in XXXX, it is months later and this is still affecting me.
Consumer complaint received 2024-01-11
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. (FL)

I'm XXXX XXXX, and I'm writing to discuss some issues with my credit report that I received from your agency. 

I recently discovered that my personal information was shared with a third party without my permission. This seems to go against the rules outlined in the Fair Credit Reporting Act. According to my understanding of the law, I have the right to know and control who gets my personal information. However, my report shows that some details were shared without giving me the chance to say no. 

I want to clarify that my problem is not with the companies I owe money to but with your agency for sharing my information without asking me first. According to the law, you're supposed to get my written consent before reporting my personal information, and I haven't given that consent. I'm asking for proof that I agreed to this, as required by law. 

I've also reported this issue to the Federal Trade Commission, and my complaint number is XXXX. I'm worried that this unauthorized sharing of my information might be a form of identity theft. 

I'm formally requesting the removal of the following accounts from my report within four business days : XXXX XXXX XXXX- Account Number : XXXX XXXX & XXXX XXXX - Account Number : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX I've also noticed some unauthorized inquiries on my report. I'd like these removed as well : XXXX XXXX  XXXX XXXX XXXX XXXX date XX/XX/XXXX XXXX XXXX XXXX - Inquiry date XX/XX/XXXX XXXX XXXX  XXXX- Inquiry date XX/XX/XXXX XXXX XXXX XXXXXXXX - Inquiry XXXX XX/XX/XXXX XXXX XXXX - Inquiry date XX/XX/XXXX XXXX XXXX - Inquiry date XX/XX/XXXX I want to make it clear that I have the right to a fair and accurate credit report. Removing these accounts is crucial for correcting the mistakes in my report. 

Additionally, I'm asking for documentation on how you verified the disputed accounts and proof that I had the option to opt out of having my information reported. 

I expect you to address this matter promptly and resolve the dispute within four business days. If not, I may have to take further legal action.

Thank you for your quick attention to this issue.
Consumer complaint received 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-11
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. (IL)

I am writing to complain to EXPERIAN about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX  XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XX/XX/. The FTC report numbers related with this complaint XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. ()

I sent letters to the credit bureaus more than 35 days ago, along with my FTC report, highlighting inaccurate and invalid information. However, I have not witnessed any removals or corrections on my credit report since then. 

This situation is a clear violation of the Fair Credit Reporting Act ( FCRA ), and I am seeking your support in ensuring the prompt removal and correction of these inaccuracies.
Consumer complaint received 2024-01-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Aspen Yo LLC (NJ)

When I filed for bankruptcy to protect my home, my timely mortgage payments were not applied to any arrears. 

I am now in foreclosure. The mortgage company refused to accept my payments and continues to charge me monthly late fees. Previously, some late fees were applied before the payment grace period. 

I applied for ERMA. When I constantly inquired with the mortgage company about the receipt of ERMA 's requests for reinstatement, the mortgage company continuously denied receipt and did not return my telephone calls. After I made countless telephone calls to the mortgage company regarding receipt of ERMA 's request for reinstatement information, during the last stage of the application, and several requests made by ERMA, six months later the mortgage company responded through the attorney which was not a part of the request. Therefore, the amount was delayed and inflated, and my application was denied. ERMA assistance was denied because at that point I was over the maximum allowed for assistance. Also, there is {$20000.00} as a part of the reinstatement statement that an attorney, free NJ counsel, can not find legitimate. Thank you.
Consumer complaint received 2019-05-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

I am trying to close my Paypal account, which I've had open for several. They refuse to do so. I do NOT owe them a balance. Since I do NOT owe them a balance, I have EVERY right to close my account at any time.
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. (SC)

XXXXXXXX XXXX XXXX ACCOUNT ENDING IN XXXX IS NOT MINE ACCOUNT I SENT A DOCUMENT FROM THE CREDITOR WITH THIER RESULTS. EXPERIAN DIDNT DELETE THE INFORMATION
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. (WI)

I have a XXXX account that is through XXXXXXXX XXXX XXXX company. There was a balance on my account that I reported as fraud ( identity theft ) for a purchase that I did not make. I contacted the company ( XXXX ) and also XXXX. They said they would look into it for me. XXXX determined I did not make the purchase because I've always paid for whatever I ordered through them in a timely manner and my account balance is XXXX. XXXX shows on my Experian report as saying the charge was accurate ( which is not true ) and they have refused to delete the charge which is killing my credit score. I have uploaded my XXXX account to them but I do not trust them anymore. I have been a victim of identity theft in the past and it's not good and it's really hard to recover from that. I've been working so hard to get my credit back up and I try to make all my payments on time and pay things off as quickly as I can. I want my credit report score to be back over XXXX which it was prior to this fraudulent charge showing up on my name. XXXX is not doing a diligent job of accurately finding out what happened. I have not been given any proof that I made a purchase and have not seen a product for the price. I did not purchase any type of Internet service from XXXX.
Consumer complaint received 2019-05-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I reached out to you guys about some items on my credit that not mine. I thought this was taken care of but there are still items on my credit that are not mine. I've contacted the FTC and my local police and I'm doing this on my own behalf. XXXX   XXXX/XXXX, XXXX  XXXX XXXX, and XXXX. Please have these removed from my credit.
Consumer complaint received 2017-08-16
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (WA)

Step 1 : What is this complaint about? I complained about Nelnet a few months ago. I have an existing account with CFPB : XXXX. Step 2 : What type of problem are you having? I was not contacted that my income based repayment plan application was not received or offered assistance to complete the application even after they reported to CFBP that they received my complaint.
Step 3 : What happened? I called Friday XX/XX/XXXX at XXXX and spoke to XXXX or XXXX for 9 minutes about my income based repayment plan application. They told me that my income based repayment plan was not currently applied and that I never submitted the application. If you read my complaint you will note that I received an e-mail stating that I was approved for the income based repayment plan. Sure enough, I was offered and I accepted the one month forbearance which just catches up my account. The monthly payment of about {$1500.00} is too much for my income and my credit rating has gone down because of this! Step 4 : What company is this complaint about? Nelnet Step 5 : Who are the people involved? I have the usual contact by email but not on this issue. I spoke to XXXX or XXXX on Friday at XXXX for 9 minutes and explained what had happened and she gave me the one month forbearance. She said, we never received your application for income based repayment plan.
Consumer complaint received 2016-11-01
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (CA)

My father left me a trust fund with a local bank which was then taken over by JP Morgan. They have been handling the trust since then. One aspect of the trust is that the bank is required to send me half of the current principal on my XXXX birthday. JP Morgan has violated the terms of the trust by not complying with that clause. They have not communicated with me except to ask for my driver 's license. I initiated a phone call with the bank over 6 weeks ago reminding the administrator of the terms of the trust. He said he 'd " look into it '' and I have n't heard from him since. I would like for cfpb to investigate this bank regarding my trust fund and the administrator, XXXX XXXX. I would like an audit of the bank 's performance and handling of this trust. The amount of the trust as of the last quarter was approximately {$350000.00}. That means over {$170000.00} is due me on my XXXX birthday. That was yesterday, XX/XX/XXXX. I called and left a message and sent an email to XXXX XXXX, XXXX XXXX 's assistant. No reply. If I do not receive this money, I can not retire. I have my eye on a house that is for sale and I could lose out on this house if I can not put a down payment on it in a timely fashion. Please contact JP Morgan and it 's employees XXXX XXXX and XXXX XXXX and investigate the violation of my father 's trust. Thank you.
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. (SC)

XXXX CREDIT CARD ACCOUNT ENDING IN XXXX IS NOT MINE ACCOUNT I SENT A DOCUMENT FROM THE CREDITOR WITH THIER RESULTS. EXPERIAN DIDNT DELETE THE INFORMATION
Consumer complaint received 2024-01-11
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. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX - {$290.00} Based on : 15 U.S. 1666b - Timing of payments AND 15 U.S. 1681a - Definitions - 2. Exclusions ( A ) i.

It is my understanding that this information should not be shared publicly.
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. (NY)

XX/XX/ a purchase of a XXXX product was made and funded via XXXX ( loan XXXX XXXX ) The product caused over XXXX in damages to my wood floor. I reached out to XXXX explained and was instructed all they could do was refund XXXX and take back the machine but if the damages needed repair, they advised to reach out to the manufacturer, I did and they took the machine back. I made XXXX and XXXX aware starting in XXXX. Providing emails and proof from the manufacturer I was no longer in possession of an item I was still paying on. I was ping-ponged back and forth. XXXX said they needed XXXX to tell them it was returned, XXXX stated they did but because it wasn't back to them they can't. I went on like this for months all while having autopay on for an item I didn't have, finally, XXXX I was fed up and demanded it is rectified via arbitration on both ends, I shouldn't pay for an item I no longer had, I then heard back from XXXX who after searching found all the proof sent months back and communicated with XXXX  who then on XX/XX/ confirmed they were fixing this and considering it paid in full and provided me the email stating it was satisfied in full and indicated they were sending a check for {$25.00} as I overpaid. On XXXX apparently, an email was sent that I didn't see stating they were putting me into collections for {$25.00}. I provided the collection company the proof and again back at it emailing XXXX  asking why this was done and IF I owed money why would they send me a check and state in the email I overpaid. Now it shows as collections of 60day on my credit, it ruined my chance at a loan I needed, Im being harrased by debt collectors for this a and suffered a hit to my credit and was denied a loan that I needed for a repair. This should be illegal, how come they are only made to " correct '' the report but the damage to me is far worse and lasting especially now the underwriting dept has it as I was under a collection.. I am demanding retribution and am looking into legal guidance and to what can be done. ALSO, YOU WILL FIND IN SCREENSHOTS THERE ARE MISSING CONVERSATIONS FROM XXXX THAT I SAVED BUT IN THE PORTAL THEY ARE NO LONGER THERE. XXXX WAS THE LAST PERSON I SPOKE TO WHO HAD HANDLED THE REFUND. NOW HIS CONVERSATION IS NOT FOUND so that is another aspect of fraud I request being looked into I appreciate all who help, thank you
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. (PA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.