davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-01
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Linebarger Goggan Blair & Sampson LLP (NC)

Linebarger Noggin Blair & Sampson , LLP is a debt collector pursuant to title 15 of the United States Code. As a federally protected consumer, I am being harassed for debt which is illegal under the false claims act and 15 USC 1692. The most troubling issue concerning this matter is this fraudulent attempt to collect an alleged debt is for a parking ticket over 7 years ago which also is also defined as a violation. There are numerous violations listed in the attached document including a criminal violation of 18 USC 1341.
Consumer complaint received 2022-02-01
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. (OH)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2022-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Last year I discovered a false account with XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX refuses to stop reporting. They are removed from Experian. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine. 


XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX
Consumer complaint received 2022-02-01
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 — Was not notified of investigation status or results
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I have disputed this account and have reached out to the XXXX XXXX times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

I was told that Congress had passed the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) to minimize the impact of the COVID-19 pandemic, In particular, The CARES Act places important requirements on companies that furnish information to consumer reporting agencies about consumers affected by the COVID-19 pandemic. Basically, during a pandemic creditor can not report payments as past due, and make proper accommodations to consumers. 

I see incorrect & inaccurate late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2022-02-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (FL)

I have submitted a previous complaint against Discover regarding this issue ( complaint id XXXX ). 

Discover Financial Services is alleging that I owe them a debt that is not mine. I sent them a request to validate the debt as required by law. They received it on XX/XX/XXXX. They responded to me that they would investigate, however, never responded with the requirements in order to validate the debt like I asked them to do. I then sent them an Affidavit of Truth which they received on XX/XX/XXXX along with an invoice with the total charges of my violations from them. 
I received a response XX/XX/XXXX which stated that they have closed my account, however are still stating that I am liable to pay the alleged debt and enclosed statements as their evidence. 
Not only has Discover Financial Services ( XXXX XXXX and XXXX XXXX disregarded my Request for Validation under the FDCPA on numerous occasions, they have now again claimed that the account and balance is valid with no evidence. 
If they are continuing to claim I owe them an alleged debt, they are required by law ( and in response to my Affidavit of Truth ) to show proof through validation of debt. 

These are my rights as a federally protected consumer through laws made by Congress and Discover is continuing to violate my consumer rights under Title 15 Chapter 41
Consumer complaint received 2022-02-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Medical Administrators, Inc (VA)

attempted to sign up for a free trial for some gummies in XXXX XXXX website froze before i could get through the process. i decided to not go through with the free trial. In XXXX the national medical administrators , inc. sent me a letter saying i owe {$110.00} ( twice ) to XXXX XXXX label x. this is fraud
Consumer complaint received 2022-02-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (WA)

Mortgage got sold to Mr. Cooper ( aka Nationstar Mortgage ). Went to set up bi-weekly payments, got sent their paperwork, filled it out. They received it and said I had to submit two months of full payments before they would turn on bi-weekly payments. I did that. Went to check two months later why it wasn't activated, they said the bank account information they had was incorrect. I asked them to tell me the routing number and account number they had, they did and I confirmed that was correct. It's also the same bank account information I have stored in the backend of their website that I used to make my first two full payments. Now they are telling me I have to go through the setup process again, even though they have everything. Customer service refuses to help resolve this situation.
Consumer complaint received 2022-02-01
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

After 2 previous attempts and two copy paste and generalised responses, CFPB has failed to look into the methods used to verify incorrect information- Equifax is reporting incorrect information and is not showing how they verify that information when challenged to do so. Both Equifax and CFPB are failing to conduct satisfactory investigations.
Consumer complaint received 2022-02-01
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have reached out to the major credit bureaus about inaccurate information being reported on my credit file. I requested my recent credit file report I have noticed several inaccuracies on my file other names, addresses including a bankruptcy public report. I have no knowledge I attached a letter from XXXX XXXX whom the credit bureaus stated the information was retrieved from. XXXX XXXX have deleted the information out their system from their file. I would like this information to be deleted from the three major credit bureaus I have sent all documents from my local city bankruptcy court and lexis XXXX. The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq states accurate information must be reported Please delete this bankruptcy from my report
Consumer complaint received 2022-02-01
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. (FL)

I noticed this fraudulent activity on my credit report XX/XX/XXXX. Once I reviewed my credit report I reached out to XXXXXXXX XXXX  XXXX and they stated that the charges was dated for XX/XX/XXXX in the amount of {$2200.00}. I informed them that I did not go to a hospital or seek any major medical attention that year. 

Original Creditor : XXXX XXXX XXXX Creditor Info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2022-02-01
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

On 3 separate occasions I asked XXXX, XXXX XXXX, and Equifax to dispute a collection on my credit report as incorrect. I asked for pictures as well as their documentation as I have mine. None of this was provided by the collection agency reporting the debt nor any of the 3 credit reporting agencies. When I tried to dispute again I was refused. They said the information was correct as reported by the company. When I asked what information was correct each reporting agency was UNABALE to give me that information. When I asked were they able to provide pictures they were NOT. I was able to provide that I paid on time and in full up until 3 weeks before my lease was up. I did NOT leave any damages NOR any furniture behind. They were UNABLE to provide any pictures proving their claim that I did. They rerented the apartment immediately after I moved out. I had a deposit of {$570.00} That should have covered majority of any moved out expenses. They did not report it to any collection agency for 3 years. So I was under the impression that everything was okay. Now I am finding out I owe {$2800.00}! They say I owe 6 water bills. That is not possible as it was built into the rent. I Have proof from XXXX XXXX who does their billing that I OWE NOTHING for water, sewer, trash, nor rent. They also owed us {$100.00} at the time we moved out for a referral bonus. That was never applied to anything. Our lease was up XX/XX/2020. We moved out XX/XX//2020.
Consumer complaint received 2022-02-01
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)

this is being fraudulently reported on my consumer report and must be legally removed based on the FCRA rights and under the 15 US Code 1681b- Permissible Purposes of consumer reports. You have violated 15 USC 1681B ( 2 ) ( A ) ( i ) ( ii ) ( 2 ) Disclosure to consumer ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.

I did not give my written consent for you to present this out to the public being my consumer report please remove this account from my report.
Consumer complaint received 2022-02-01
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MA)

XXXX XXXX  reported me delinquent on payments due to the amount being lower than an increased monthly mortgage payment that had not been communicated to me in an effective manner. Additional delinquent fees were added and not communicated causing unapplied mortgage payments and additional fees. XXXX Bank reported me delinquent to Credit Agencies and my score was lowered by XXXX points. 

Note : All of this occurred within the 60 day grace period after the transfer of my mortgage to XXXX XXXX. 


XXXX XXXX XXXX  acquires my mortgage ( XXXX XXXX XXXX XXXX XXXX XXXX Ma ) XX/XX/XXXX - I received a notice of low payment and began engaging XXXX XXXX  customer service in order to sort out the problem. 

XXXX XX/XX/XXXX - I continued trying to work with customer service with no resolution or even learning exactly what the problem was XX/XX/XXXX - After working with customer service, I was under the impression that all accounts were settled and up to date. 

XX/XX/XXXX - I learned that my credit took a major hit. Engaged customer service again and was told to dispute the issue by sending a fax ( see attached document ) XX/XX/XXXX - I learn that my credit score has decreased by XXXX points. I called customer service and they told me there's nothing I can do because the bank rejected my dispute. 

If more detail or documentation is required, please let me know.
Consumer complaint received 2022-02-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I filed a complain against select portfolio servicing File number XXXX I received the response on XX/XX/XXXX, that select portfolio servicing found that made a mistake at charging me prepay penalty, after 3 months of calling portfolio servicing I had to make the complaint here .... as of today XXXX XX/XX/XXXX I didn't receive the refund check more than 30 days past I was Calling Select Portfolio Servicing asking for my refund and the only answer from them is in process and they will expedite my case every time when I call select portfolio servicing said the same thing, I don't understand if they made the mistake why do I need to be calling them asking for my refund... I'll looking for professional advice to proceed against select portfolio servicing. 
see attached documents.
Consumer complaint received 2020-05-20
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. (GA)

XXXX XXXX, TransUnion and XXXX XXXX XXXX. I spoke to XXXX XXXX XXXX XX/XX/2020 and I was told by an agent at XXXX XXXX XXXX that my loan forbearance was mis-calcuated on their behalf which caused the account to become delinquent. I was in forbearance at the time the late payment was reported. the agent admitted to it being an error on their behalf but stated she coulndt correct it, and that I would have to dispute it with Transunion, XXXX and XXXX to have the late payments removed. I have disputed with Transunion, XXXX and XXXX and they never investigated my dispute request. I am highly upset because it is affecting my credit worthiness and I have been denied a home. I am asking that they remove the late payments from both /accounts / They are also showing many other inaccuracies in their reporting. the open date shows 2 different dates and the date of last activity shows 3 different dates which are XX/XX/2020, XX/XX/2020 and XX/XX/2020. How can they have verified this account when its still reporting many inaccuracies. please remove this accounts from my credit report. I also saw a new article during this pandemic were this servicer reporting consumers late payments while in deferment, which cinsumers were told they wouldn't be reported late. The article stated that we could dispute with the bureaus to get late payments fixed.
Consumer complaint received 2022-02-01
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. (CA)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2022-02-01
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX Bal. {$0.00} XXXX XXXX  XXXX {$0.00} XXXX5 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Consumer complaint received 2020-05-20
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (SD)

I have contacted Shellpoint Mortgaging several times by phone and some email to resolve this issue. I just need the lien release paperwork and title for the payoff off on this mortgage. The buyer 's paid this loan off effective XX/XX/2020. I can not find anyone to contact at this company that will get this resolved for me. I was told on one phone call that this could take 60-90 days, I was told on XX/XX/2020 that the paperwork was going in the mail on XX/XX/2020.
Consumer complaint received 2022-02-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company was trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for these companies to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, it's not mine.
Consumer complaint received 2022-02-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (TN)

It began I was on the road a friend needed help with a car payment since there was no contact I was to far away to give cases I put money on a cash app card and sent her {$600.00} later in she said she never received the funds so I XXXX cash app number and was put threw a rep I wanted my funds returned gave information to my account they had me download an app for them to refund the funds they took {$2.00} out without permission they told Mr to calm down that they were going to be longer than usual I was getting angry they told me to call back in XXXX min and number was not active I immediately contacted chime they told me they said they would looking into it closed account down my blocked me and I still had {$500.00} in account several weeks went on got a letter in mail stating that account closed they said it was my fault so help from chine my number is blocked when I call to find out about my account and how is it my fault can't get answers for months I need my hard earned money back my sister did all foot work to investigtion and got more info on situation please help single mother work hard for my money Thank you and God bless