davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc. (TX)

I took out this loan while i was in XXXX  for a year and have had nothing but issues with these people at XXXX XXXX  calling me 2 to 3 times a day after leaving messages and also calling my work and leaving messages. This has been going on since i moved back to XXXX  in XX/XX/2022. I have asked them not to call my work more than once and they refuse to stop. I also sent 2 letters asking them to stop calling completely and only correspond by letter and all i get was a call telling me that we don't have to honor my request. I have tried to refinance the loan to lower the payment in XXXX  but was denied and no other help with the loan no hardship options or nothing. I have tried every avenue and called many debt help companies and Attorneys and am about to have a XXXX with all the calls and issues with Tower loan and do not want to file Bankruptcy.
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-09-19
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: Experian Information Solutions Inc. (NC)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.
Consumer complaint received 2022-09-19
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: Amsher Collection Services, Inc. (FL)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated me the consume and my ferderally protected nonpublic personal information and rights to privacy and confidentiality under 15 USC 1681. 
FXXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights to privacy and confidentiality. 
15 USC 1681 section 602 A, states that I have a right to privacy and confidentiality.

15 USC 1681 section 604 A section 2, states that a consumer reporting agency shall not furnish information containing an account without my explicit written consent.

15 USC 1681c ( a ) ( 5 ) states that, No consumer reporting agency shall make any consumer report containing any information of the following : any adverse information of items, other than records of convictions of crimes which antedates the report by more than 7 years.

15 USC 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agencies if the person knows or has reasonable cause to believe that the information provided is inaccurate.
Consumer complaint received 2022-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (NJ)

Today 's date is XX/XX/2022. I paid off my balance of {$9600.00} on my XXXX XXXX on XX/XX/2022. As of today ( more than 3 months later ) XXXX has still not reported to the credit bureaus that I paid that amount and now have a XXXX balance on my account and this is affecting my credit score. I attempted to call XXXX to discuss this matter and was told that XXXX was not reporting to the credit bureaus at this time. I explained this was affecting my XXXX XXXX. I was then told I would be transferred to a billing specialist to discuss this matter further. After holding for 5 minutes for the billing specialist my call was then disconnected.
Consumer complaint received 2022-09-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (IN)

Convergent outsourcing ( XXXX ) XXXX $ Started on XXXX XXXX My family hindered me from the world keeping alot of information from me and using my identity without my knowledge. I didnt have any knowledge about my credit report until recently I am devastated. Im really hoping you can help you delete and help repair all my credit so I can have a fresh start at soemthing that was originally mine.
Consumer complaint received 2023-03-10
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: TOYOTA MOTOR CREDIT CORPORATION (IL)

On or about XX/XX/XXXX I received alerts from my credit monitoring services that Toyota Financial Services reported my loan to be delinquent to the Credit Bureaus. I contacted Toyota Financial Services and explained what has happened and they opened a dispute claim with the Credit Bureaus and resolved the issue by XX/XX/XXXX. My account is open and current since first opening in XX/XX/XXXX. Then on XX/XX/XXXX I received alerts about my Toyota Financial Services account again being falsely reported as delinquent. I called Toyota Financial services again on XX/XX/XXXX and they submitted another Dispute. My credit score keeps taking a hit, why is Toyota Fraudulently reporting false information to the Credit Bureaus? I need assistance in this matter.
Consumer complaint received 2022-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My wallet was stolen while I was at work with my ID, social security card, Bank of America ( BOA ) debit card and BOA credit card on XX/XX/XXXX. The thieves were able to walk into a XXXX XXXX branch with our Bank of America Credit Card and withdraw {$5000.00} cash and charge an additional {$1200.00} at XXXX 's club. BOA has now denied our claim three times with the credit card charges. 

The charges were credited to our account on XX/XX/XXXX while they investigated. 

XX/XX/XXXX they denied our claim due to " the chip was read, PIN was entered and a signatures was obtained ''. First of all there is no PIN, it is a credit card. The people who stole my wallet had my ID and social security card so yes they could verify because it was a credit card and they knew my zip code which is what is required with transactions, not a PIN! We have never taken out a XXXX XXXX and never taken any cash out at a different bank! 
I spoke with them on XX/XX/XXXX and again reported my wallet was stolen with my ID and social security card and they reopened the claim. I was informed I could submit the police report. 

XX/XX/XXXX the claim was denied again! Stating the same reasons as above. When I spoke with the representative I again explained my identity was stolen. I also informed them I had submitted the police report on XX/XX/XXXX ( i was delayed due to being out out town for a work trip ). They informed me it could take up to two weeks to receive any fax or mailed documents ... .but they denied the claim within 10 days? Not even giving time for them to receive the report. 

Today XX/XX/XXXX the claim has been denied again. After submitting the police report via certified mail and fax! I do not have that letter yet but will be happy to provide it once we receive it in the mail. 

There is no way to talk to anyone in the " investigation '' department. The only person we can speak to is in the claims department and they just keep reopening the case. They said based on our spending habits and that the card was verified that we authorized someone we knew to make these charges. 
XXXX XXXX  refuses to provide the footage to the detective working on my case because the XXXX XXXX was done under a different bank. 

Also the detective on the case has a picture of the suspect at XXXX 's club. Unfortunately XXXX will not release the footage.
Consumer complaint received 2022-09-19
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. (CA)

This company is continually reporting incorrect information on my credit report! I requested this company to validate the debt and they have not provided me with I also asked to show me the method of verification and they have not sent me anything! I also asked this company to show me how investigated the negative items on my report they have also not provided me any of these items! 

This company is effecting my credit report negatively and it is not allowing me obtain any credit lines in order to provide my family! This company is braking several laws while violating my rights as a consumer under the FCRA & FDCBA!

15 U.S. Code 1692- ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy 15 U.S. Code 1681- ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy 15 U.S. Code 1681b ( 2 ) - Permissible purposes of consumer reports. In accordance with the written instructions of the consumer to whom it relates 15 U.S. Code 1681a - Definitions ; rules of construction. The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

ACCOUNT : XXXX XXXX XXXX ACCOUNT # : XXXX DATE OPEN : XX/XX/XXXX ACCOUNT : XXXX XXXX ACCOUNT # : XXXX DATE OPEN : XX/XX/XXXX
Consumer complaint received 2022-09-19
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. (CA)

This company is continually reporting incorrect information on my credit report! I requested this company to validate the debt and they have not provided me with I also asked to show me the method of verification and they have not sent me anything! I also asked this company to show me how investigated the negative items on my report they have also not provided me any of these items! 

This company is effecting my credit report negatively and it is not allowing me obtain any credit lines in order to provide my family! This company is braking several laws while violating my rights as a consumer under the FCRA & FDCBA! 

15 U.S. Code 1692- ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy 15 U.S. Code 1681- ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy 15 U.S. Code 1681b ( 2 ) - Permissible purposes of consumer reports. In accordance with the written instructions of the consumer to whom it relates 15 U.S. Code 1681a - Definitions ; rules of construction. The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

ACCOUNT : XXXX XXXX XXXX  ACCOUNT # : XXXX DATE OPEN : XX/XX/XXXX ACCOUNT : XXXX XXXX ACCOUNT # : XXXX DATE OPEN : XX/XX/XXXX
Consumer complaint received 2022-07-13
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. (FL)

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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : " XXXX XXXX Balance : {$590.00}, XXXX XXXX Balance : {$980.00}XXXX XXXX XXXXXXXX Balance : {$2200.00}, XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX  XXXX Balance : {$0.00} "
Consumer complaint received 2022-07-13
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. (NY)

This uncertain accounts listed below continued to report on my credit report regardless of the previous written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be verified ( A ). I will take legal action against you if you do not guarantee these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1300.00}
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX, I see there are late payments reported by XXXX XXXX XXXX during Covid 19 pandemic.. according to the CARE ACT and The Hero Act Section 110401 creditors and credit reporting agencies are not authorized to report adverse information to consumers credit files during the covid 19 pandemic.. we are still in a pandemic and the days reported late was during the pandemic and therefore is unlawful I order that XXXX XXXXXXXX XXXX Remove all adverse information reported during covid 19 pandemic. 

XXXX XXXX
Consumer complaint received 2022-09-13
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mr. Cooper Group Inc. (TX)

In XXXX of XXXX I exchanged my signature on a negotiable instrument along with using my credit card ( Social Security Card Number ) for a house valued at XXXX XXXX Dollars. I did not know at the time of signing that I was a natural person and a federally protected consumer or that HJR-192 prohibits payment of debt and substitutes, in its place, a discharge of an obligation. I was the only natural person to sign the documents, no one who represents Nationstar Mortgage was present and I also was not informed nor educated about my right to rescind the contract. In XXXX of XXXX I contacted Nationstar Mortgage by certified mail requesting validation of the alleged debt also including a cease and desist letter requesting that all forms of communication with me through any and all mediums cease.and to no longer contact me concerning efforts to collect this alleged debt. I invoked my special remedy demanding Nationstar to Zero out the balance on the account, grant me my property deed lien free and to delete the account from all consumer reports. Nationstar contacted me by email to inform me that that were ceasing communication with me, but has continued to do so by sending me emails and mail through the USPS. My special remedy has not been satisfied. I have sent Nationstar Mortgage over XXXX US Dollars from my bank account and I have also sent in several remittance coupons to Nationstar Mortgage to satisfy any alleged balance owed. Nationstar has either been misreporting or not reporting accurate information to the credit reporting agencies. They have sent information to the credit reporting agencies stating that I am late, when they were instructed to cease and desist all forms of communication with me through any and all mediums. I have most recently been sent a debt collection notice from Nationstar Mortgage stating that I am in default and my loan is currently past due. Nationstar has never loaned me any money so how can it request money. Nationstar Mortgage is requesting I make a payment in certified funds, cashier 's check or money order. Nationstar Mortgage has not honored HJR-192 nor has it honored or dishonored the remittance coupons it has received by certified mail from me and now are demanding additional forms of payment. Nationstar is an habitual consumer violator and are very dangerous to the consumer in this economic environment.
Consumer complaint received 2023-05-24
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: Experian Information Solutions Inc. (IL)

XXXX Credit Report for XXXX XXXX XXXX here are my consider : XXXX XXXX XXXX XXXXXXXX XXXX IL XXXX please remove from my credit report fraudulent information. address XXXX XXXX XXXX XXXX IL XXXX Pleases remove from my credit report. I contact the credit bureau and this address was not removing. Remove XXXX XXXX XXXX XXXX. The correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Business address is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX IL XXXX XXXX. XXXX Dept this account open XX/XX/XXXX, paid off {$77000.00} XX/XX/XXXX this account on my credit report didn't get the correct point, which was fraudulent, it was like I was penalizes for pay off early. 
3. XXXX XXXX put on my credit report this account was late I pay off XX/XX/XXXX {$29000.00} the Loan before it was due to expire which was a 6-year loan open XXXX expired closed on XX/XX/XXXX so the information that was given to you it was fraudulent. so why this stays on my credit it affects my credit. I had two accounts with XXXX XXXX pay off {$28000.00}. open in XXXX XXXX I closed the account XXXX XXXX pay off in full. XXXX XXXX XXXX opened XXXX XXXX, Closed XXXX XXXX This account was paid on time, and I paid off. why they closed the account didn't make sense unfair founding because of my student loan but paid off. 
4.XXXX XXXXXXXX XXXX This account was not mine fraudulent
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NY)

So for the last year, I have been sending you documents and documents to each of the credit bureaus ( XXXX, Experian, XXXX ) regarding my name, address, and phone number is incorrect on my credit file. Because of this, I've lost deposits on homes, the ability to obtain business and personal loans, credit cards, and employment. I want you to correct my name and address on my credit file.. I am also seeking damages for lost income and lost the ability to obtain housing and consumer credit. My correct name is XXXX XXXX. I've never gone by any other name or variation of my name. Any attempts to procure credit under my name is fraudulent. My identity has been stolen multiple times and many variations of my name have been used. My Name is XXXX XXXX this is the only name I go by. My XXXX address is XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXXXXXX. Please remove any other name or name variations and addresses or address variations from my file. Only leaving the aforementioned.
Consumer complaint received 2023-01-04
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (IL)

I sold my home. The closing date was XX/XX/XXXX. I received a payoff amount that I then gave to my real estate attorney. The title Company verified the Closing amount with Rocket Mortgage associate and then proceeded to wire the money. 11 days later ; The Mortgage Company said they gave the wrong payoff amount! The day of the closing ; Checks were cut and Realtors and Attorneys got paid. I only found out today when I thought they sent me my 1098 form that it wasnt closed. Thats when they made me aware and then they returned the wires amount back to the mortgage company today on XX/XX/XXXX. I asked for the Executive Manager and no one is available for at least 48 hours while my loan is accruing interest. I also asked for an explanation and a new payout amount in writing which they didnt do. The house has been closed on and I am not the owner r according to the attorneys. Rocket Mortgage gave the wrong pay out and its my issue. I feel like its a bait and switch and Im being discriminated against. No notifications etc. Just to get more money that I dont have .I was on the phone on XX/XX/XXXX for 5 hours spoke to different people.. None did nothing. Very frustrated and would never recommend anyone to them. Unprofessionally treated and now the title loan company has over {$200000.00} sitting there waiting for a payoffAfter Rocket Mortgage had it for over a week gaining interest while Im losing more moneyI asked for the accounting information and payoff in writing and got neither
Consumer complaint received 2022-12-01
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: Army and Air Force Exchange Service (GA)

I need to get a balance sheet stating the payments made after account was closed. Also need current balance and status of account on company letterhead.