davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-27
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$42000.00}, {$10000.00}, {$240.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$42000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$240.00} -This is not my account. 


-- AUTO LOAN OR LEASE 4. TXXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2021-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

The below account has been submitted to a collection agency in error. I have contacted the original debtor to verify that it was submitted to XXXX XXXX XXXX XXXX as a mistake. I am attaching the corresponding letter from the original debtor XXXX XXXX XXXX for reference. This account has been submitted as a collection account on all three credit profiles. I have since contacted XXXX, Experian, and XXXX  to have this account removed, to no avail.
Consumer complaint received 2021-03-25
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Westlake Services, LLC (CO)

I paid XXXX to Westlake Financial in XX/XX/2021 to pay off the loan. I checked my credit reports and it did not reflect that it was paid of as of XX/XX/2021. Furthermore the bigger issue is that all my credit reports ALWAYS showed " Current and Pays as Agreed '' with no late marks at all. Now that I paid it off, Westlake has put on the account that I am currently 120-149 days past due and it has seriously damaged my credit. I contacted Westlake and spoke with a representative around XX/XX/XXXX or so and discussed this issue. He looked at the account and agreed it was an error. He said that they would correct it and it should take 5-7 days. Upon checking my credit reports again on XX/XX/XXXX, I see that the remarks still show that I am currently 120-149 days past due.It also says that I am 180 days past due and affected by a natural disaster.This is false reporting!!! ... ... It is not even reflecting that I paid the entire balance off more than a month ago. When I reached out on XX/XX/XXXX again, a different rep started talking about my payment defers that I have had. I indicated that those were payment deferrals and I was told that is not considered late. My credit report has ALWAYS shown on time with no payments over 31+ days. I expressed several times that the reporting needs to show PAID OFF IN FULL and the currently 120-149 days past due remarks to be removed. They try telling me they dont have a way to remove anything. That is incorrect, they are the agency responsible for reporting fair and accurate information. They are in violation of FDCPA and have damaged my credit.
Consumer complaint received 2021-03-25
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. (OH)

I keep my financial situations very small so I can spot fraudulent account very quickly I found a fraudulent account from XXXX XXXX XXXX XXXX  # XXXX reporting on my credit. I have never rented anything from this company in my life. I am also have problems with my name being misspelled the correct spelling is XXXX XXXX please delete any other spelling of my name it is not correct. there are address that are not my showing on my credit report as well. Please delete the following addresses : XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX # XXXX, XXXX OH XXXX. I believe these addresses may have been used to compromise my personal financial information and SS DOB.
Consumer complaint received 2022-04-27
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)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.
Consumer complaint received 2021-03-25
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NJ)

CHASE BANK, JP MORGAM CHASE BANK, HAS ALLOEW MY HUSBAND  TO MOVE FUND FROM OUR JOINT ACCOUNT TO HIS OWN ACCOUNT IN SAME BANK, MY ATTORNEY AS SUBPOENA THEM, .ORIGINAL AMOUNT WAS $ XXXXHE MOVED $ XXXX.then moved {$70000.00} to another bank durind a divorce.the first move was onXXXX.im not sure whenthe second move happened.please help me as i can no longer afford attorneys.i need to know my rights, and what responsibility CHASE BANK has in this matter
Consumer complaint received 2021-03-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NJ)

A check {$8700.00} was issued to me by my insurance company ( XXXX XXXX XXXX ) against a home insurance claim. Per the issuer, the check has been processed by my bank ( Citibank ). However, I still don't see the money in my account. 

Repeatedly tried to reach Citibank and see no rep addressing the issue. Only see reps interested in closing the tickets on false grounds. Saying I am disappointed with Citi is an understatement. Lack of empathy. 

So where did the money go? Has a fraud occurred here? What are my rights as a consumer of Citi banking services?
Consumer complaint received 2021-03-25
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. (MO)

you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. 

Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for XXXX XXXX XXXX to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my signature with the provider of service to release my medical information to you - Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.

Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection agency. I will await your reply with the above requested proof. Per the standard, you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureaus expected or damages will be sought after.
Consumer complaint received 2021-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have tried contacting all 3 credit bureaus as they are reporting my BK-XXXX XX/XX/XXXX as dismissed/closed. This is not the case. Talked to Court today XX/XX/XXXX again, XXXX and talked to my BK-XXXX attorney both said to contact credit bureaus again as they are reporting incorrect information. A letter was provided to me and sent to attorney, according to court records my plan has been completed. ( all creditors on plan were paid in full as agreed ) could not discharge due to within 4 years of BK-XXXX XXXX. This statement is on the court letter, but BK-XXXX was paid and completed. I sent a copy of court BK letter to creditors and all 3 credit bureaus ( Transunion, XXXX and XXXX ) and still left incorrect information.

Court says bureaus reporting wrong and to go back to credit bureaus. ( which I did ) no change.

What this incorrect information causes my credit score to go back to XXXX from XXXX and all the creditors that were paid are now coming back for collections and charge offs. 
I have all original letters if needed.
Consumer complaint received 2022-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

Toyota is reporting inaccurate information on my credit report that is causing severe financial UNFAIR and UNLAWFUL consequences to my financial future. My rights under the FCRA are in complete violation. I'm asking for immediate attention to this issue as my own efforts of disputing directly with Toyota and with all three credit bureaus has not worked for over 6 months.

For one of the two remarks Toyota has acknowledged the error in writing and I was told the late payment information would be removed from my report as TOYOTA acknowledged the late payment history was inaccurate. This has still not happened. 
This account for was paid as agreed and closed on XX/XX/XXXX, and its reported as if the last delinquent payment date was in XX/XX/XXXX, almost 5 years after it was fully satisified. 

While the second inaccurate reporting is even more damaging. 
It lists the vehicle repossession occurred in XX/XX/XXXX, last payment occurred on XX/XX/XXXX, charged off in XX/XX/XXXX. 

But it was posted as if the account was closed only on XX/XX/XXXX (? ), with a balance of {$6900.00} (? ) and from then, its been reporting me late every month since the charged off date. How can late payments continue to report YEARS after the account has been charged off? 

These errors are keeping me from being able to obtain housing of any kind and is also impacting the ability of me as a father to help my daughter pay for college
Consumer complaint received 2022-09-27
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. (MS)

To : Consumer Financial Protection Bureau, Equifax is continuously noncompliance of the Federal Law, and keep violating my rights as consumer of this Federal Corporation. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. Thank you
Consumer complaint received 2021-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synerprise Consulting Services, Inc. (TX)

I mailed a written request to this company asking for further verification of the alleged debt they are reporting on my credit history. It has been almost 6 months since I submitted this request and I have not heard back from them. This is a direct violation of my consumer rights in accordance to the Fair Credit Reporting Act.
Consumer complaint received 2020-12-06
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Utah System of Higher Education (MA)

I see multiple 90-120 days 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 2022-05-26
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. (PA)

I have contacted the three major credit reporting agencies regarding an account listed on my consumer credit file for XXXX XXXX XXXX, which is listed as a medical collection account. I have never opened an account with this firm, they have fraudulently placed this account on my credit file and this is a direct violation of federal law- the HIPPA law. I gave the company and the CRAs ample opportunity to remove this account and they refused.
Consumer complaint received 2021-03-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (IL)

The company Fair Collections and Out has added a derogatory mark to my credit profile in the amount of {$270.00}. The debt has been reported as past due. I do not know this company. I have never done business with Fair Collections and Out. I do not have a signed contract, nor any contract, with Fair Collections and Out. I have the right to demand to see a signed contract between Fair Collections and Out and myself.
Consumer complaint received 2020-12-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Patient Accounting Service Center (NY)

I am being billed {$800.00} by XXXX XXXX for a diagnostic XXXX  that my doctor did not order. My doctor ordered a routine XXXX, but they performed a diagnostic XXXX and are billing me for this amount. My doctor has already re-submitted the script to XXXX several times, but XXXX has not submitted the proper claim to my insurance company, which they should because a routine XXXX is covered at 100 %. Therefore this balance is not owed by me.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate. 
Please remove these Inquiries from my credit report.
Consumer complaint received 2020-12-26
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. (IL)

On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-03-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/XXXX I started disputing some collections and inquiries that are reporting on my credit that are not valid. I have yet to receive any information about the bureaus investigating my dispute ; they have never even acknowledged it! On XX/XX/XXXX I sent another dispute to the bureaus ; STILL nothing has been received or even acknowledged that the investigation would be started, no responses have been received, no debts have been validated. You have a legal responsibility of corresponding with the client within 30-45 days ; this is obviously WELL past that timeframe! I am now sending a 3rd dispute today, XX/XX/XXXX, via certified mail. Maybe this will get you to do as you're legally required to.
Consumer complaint received 2021-03-25
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. (IL)

This complaint was made because you are reporting inaccurate and incomplete information on my Credit Report. 
I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following account and remove late payment. 
You are reported totally different or missing information on my XX/XX/XXXX account. 
I attached copies of my annual credit reports of all major bureaus so you can find wrong information.
Consumer complaint received 2021-03-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

i sent portfolio recovery associates letters on XX/XX/2021 for the alleged debts of {$330.00} and {$390.00} certified mail and has not receive anything from them concerning this matter, and i also went ahead and sent another letter on XX/XX/2021 and have not heard anything from them.its been over 30 days since my first letters and need to be deleted. This is causing me harm and emotional stress because i can't get anything with the negative remarks on my credit report.
Consumer complaint received 2020-12-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (NY)

It has come to my attention that a WELLS FARGO BANK, N.A. check numbered XXXX was successfully received by the XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX but the funds were never delivered to XXXX by WELLS FARGO BANK, N.A. If XXXX is dealing in good faith it stands to reason that WELLS FARGO BANK, N.A. failed to honor the negotiable instrument that was sent to XXXX. It is the duty of WELL FARGO BANK, N.A. to make the funds available to the payee of the negotiable instrument once the negotiable instrument is processed. WELL FARGO BANK N.A. 's apparent failure to process the negotiable instrument as required has negatively impacted a debtor 's credit file causing it damage.
Consumer complaint received 2022-11-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (AZ)

Nationstar Mortgage, XXXX, and Mr. Cooper have fraudently claimed that I have missed payments and falsely reported such to XXXX and XXXX starting XX/XX/XXXX. I received a XXXX XXXX mitigation in XX/XX/XXXX which Nationstar never processed correctly and fraudently claimed multiple times that Nationstar Mr Cooper were completing in XXXX and XXXX and XX/XX/XXXX. I completed a loan modification XX/XX/XXXX ( after making full payments for a 3 month trial ending XX/XX/XXXX ) with XXXX Nationstar Mortgage Loan XXXX which was completed, signed and certified, and states the outstanding balance due to XXXX XXXX  mitigation would be added to the loan principle. XXXX even sent me a check stating they had overcharged me on the closing of the modification XXXX. I have submitted monthly payments of XXXX to Mr. COOPER every month since XXXX. MR. Cooper has fraudently refused to apply my payments made by direct check sent from XXXX XXXX since XXXX. Mr Cooper also claims i have made no payments for XXXX  days, which is blatently false and an act of fraud against XXXX XXXX XXXX XXXX XXXX, have notified tagents at Mr Cooper several times, as above, since XXXX and they refuse to correct the situation. I spoke to XXXX at Mr Cooper today who stated the property is 'in foreclosure ' for nonpayment even though payments were made. She claimed to be 'escalating'the review of payments. Payments were sent and are missing from my mortgage payments on XX/XX/XXXX, XXXX XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX. Mr Cooper has violated the law in making false reports to XXXX and XXXX, are defrauding me by refusing to apply payments sent per contractual agreement dated XXXX, and has discriminated against me by failing to implement my XXXX hardship mitigation which was rightly and correctly submitted by me. Mr Cooper has also apparently misplaced multiplr payments sent to them which they are required by law to document and further credit to my account.