davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-12
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. (TX)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$4900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00}
Consumer complaint received 2019-01-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. Collections West, Inc. (AZ)

We experienced a fire casualty to our residence on XX/XX/XXXX - a neighboring unit experienced a fire, and the resulting water damage from firefighting efforts rendered our unit unsafe for habitation. Also, extensive damage to the unit resulted in our enjoyment off the dwelling unit to be substantially impaired, specifically we where unable to utilize our master bedroom, the master bedroom closet, the master bath, as well significant portions of our living room and kitchen. Pursuant to A.R.S. 33-1366 ( XXXX ) we first advised our landlord in a letter on XX/XX/XXXX that we were terminating the lease per our rights under State Law. On XX/XX/XXXX, we hand delivered our keys to the apartment, and the landlord signed that they received the final letter and keys to the unit, and that they are aware that we were terminating our lease per the relevant state statutes. 

Subsequently, the landlord referred this invalid and un-owed debt to a collections agency ( XXXX. XXXX XXXX, XXXX ) in violation of ARS 33-1366 ( b ) which states that the " Accounting for rent in the event of termination or appointment is to occur as of the date the tenant vacates all or part of the dwelling unit. '' The collections agency was made aware of the basis for the termination of the lease, and that until and unless the debt is validated via a court determination that ARS 33-1366 ( a ) the debt is invalid. We relayed this information in two letters dated XX/XX/XXXX and XX/XX/XXXX. And that we claim all rights, privileges, and remedies according to the FDCPA and FCRA in regards to this. 

Subsequently, in XXXX of XXXX we were made aware that they had reported this invalid debt to the XXXX Credit Bureau.
Consumer complaint received 2023-06-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NC)

I entered into a repayment plan and was told that I would be caught up after making the payments. I made all payments, more than {$35000.00}, as required by the agreement which was 12 monthly payments that equaled to two monthly payments per month. At the end of the agreement there was a NEW balloon payment due that was NOT a part of the agreement. I recently had a call with the mortgage company and the representative also agreed that the balloon payment was NOT a part of the repayment plan and not sure why it was due. The mortgage company also told me that because I did not make that balloon payment I don't qualify for any other repayment options. That does not make sense since if I had made the payment I would have technically been caught up on my mortgage. This has happen several times over the past few years with this company. On another occasion a different representative put me into a plan and payments were made and after the plan I was to contact her. I did so and she told me " she was wrong in her interprutation of the plan and it did not work like she explained it to me ''. This was after paments were made and no way for me to change what had been done. I don't think my payments have been applied properly during any of these processes.
Consumer complaint received 2024-08-20
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. (SC)

Dispute of Collection Account on Credit Report Dear CFPB I am writing to formally complaint because i found a collection account listed on my credit report. After reviewing my credit report, I noticed an entry that I believe is inaccurate and in violation of certain federal laws. The details of the account in question are as follows : Creditor/Collection Agency : XXXX XXXX XXXX Account Number : XXXX Date of Entry : XX/XX/year> Creditor/Collection Agency : XXXX XXXX XXXX Account Number XXXX XXXX XXXX of Entry : XX/XX/year> Creditor/Collection Agency : XXXX XXXX XXXX Account Number : XXXX Date of Entry : XX/XX/year> Creditor/Collection Agency : XXXX XXXX  Account Number : XXXX Date of Entry : XX/XX/year> My dispute is based on the following federal statutes : 15 U.S.C. 6802 ( Gramm-Leach-Bliley Act - Privacy Protections ) : This statute regulates the disclosure of nonpublic personal information by financial institutions. I believe the collection account listed involves the unauthorized disclosure of my personal financial information, in violation of this privacy protection statute. 

15 U.S.C. 1681b ( Fair Credit Reporting Act - Permissible Purpose ) : According to this section, a credit report can only be accessed for permissible purposes. I question whether the collection agency had a legitimate and permissible reason to access my credit report and report this account to the credit bureaus. 

18 U.S.C. 1028A ( Identity Theft - Aggravated Identity Theft ) : This statute criminalizes the use of someone else 's identification in connection with the commission of certain felonies. If this collection account was opened or reported using fraudulent information or without my authorization, it could potentially involve identity theft. 

Given these concerns, I request that you investigate this account in detail. Please provide me with the following : Proof of the legitimacy of the debt and the collector 's right to report this account. 
Documentation of the permissible purpose under which the collection agency accessed my credit report. 
Confirmation that my personal and financial information has not been mishandled or disclosed improperly. 
Until this dispute is resolved and the account verified, I request that this collection account be marked as Disputed on my credit report. 

Please respond to this dispute within the timeframe required by law 30 days for receiving this notice. Additionally, please provide me with written confirmation of the outcome of your investigation and any amendments made to my credit report as a result. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-08-20
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. (TX)

Recently I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below.

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights wont be violated again due to my lack of consent.
Consumer complaint received 2020-11-19
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: EQUIFAX, INC. (CA)

I am a victim of identity theft and I have a security freeze and fraud alert on my credit reports along with an Identity theft Affidavit filed with the FTC - Report # XXXX and a police report report filed at the XXXX Police Department. 

Please be advised that along with my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite three written requests, the unverified and FRAUDULENT items listed below remain on my credit report in violation of Federal Law. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be removed from my credit report : Collection Agency : XXXX XXXX XXXX, XXXX
Consumer complaint received 2020-11-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (PA)

First i have never been late with a payment and i always pay extra to my principal every monty. 
Last year Mr. Cooper/nationstar gave me the option to pay the escrow variance or have an increase in payment. i opted to pay in full. they still increased the payment. 
Same thing happened this year with the escrow and even though they increased the payment, my account shows an excess. Your escrow analysis was on XX/XX/XXXX. At this analysis, you have a surplus of {$14.00} Then they refused to pay my Home owners insurance which was almost cancelled. 
Now, on XX/XX/XXXX, I sent a {$34000.00} Principal payment after I paid my XXXX payment on XX/XX/XXXX. i wrote on the invoice Principal only and on the check Principal only. They took out a payment and took the interest on the principal payment. they applied {$32000.00} to the principal, then took {$160.00} in interest that they stole, put {$580.00} in Escrow, and another {$490.00} to principal. 
i emailed : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX on XX/XX/XXXX, XXXX requesting to have this fixed. They refuse to respond to the email. i called Mr. Cooper and spent XXXX minutes on the phone while they " corrected '' it with a supervisor. i was told to wait XXXX hours before I would see it and they would monitor it and call me back. I never heard back and it was never corrected. i wrote on XXXX and was told by XXXX XXXX '' XXXX '' to call her. I called her and left a message. She never returned the call. I posted again that she did not call. i posted a snapshot of my phone showing that I did call her at the exact number she provided XXXX last year she provided a different number ). i also called the " customer Service '' number tonight which says " you are not calling during working hours '' and disconnects. Who knows what working hours are or the time zone because it doesn't say and you can't leave a message. Then i sent an email to XXXX tonight at XXXX. I don't expect any different results. I can provide any and all emails, XXXX responses, calls, etc. 
XXXX XXXX. 
Manager I dont have any missed messages or calls. Please Call me directly at XXXX
Consumer complaint received 2021-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

There are alledge accounts on my credit report for which I do not recognize. Pursuant FCRA 623 I am demanding they are removed XXXX XXXX/account number XXXX XXXX XXXX/account number XXXX  XXXX XXXX/account number xxxxxxxxx XXXX XXXX XXXXaccount number XXXX
Consumer complaint received 2023-06-12
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)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX, NC XXXX XX/XX/XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2019-02-28
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)

XXXX, transunion and XXXX are incorrectly reporting an account that is not mine, I have reached out the past 3 months to the bureaus with no response as of yet. I am currently in the process of filing a law suit with ( XXXX XXXX XXXX  XXXX located in XXXX Pennsylvania against the bureaus for negligence.My lawsuit includes will include the following names : XXXX XXXX XXXX XXXX Operation supervisor XXXX XXXX Vice President and associate General Counsel XXXX XXXX Senior vice president XXXX fraud ID theft XXXX XXXX Vice president and group counsel XXXX XXXX XXXX XXXX Corporate Vice president Chief Legal officer Transunion-XXXX XXXX Executive Vice president XXXX XXXX Director fraud and identity management All the following will be named in lawsuit if the following are not removed, This situation has ruined my credit worthiness and prevented me from getting a home. The house my family and I was under contract to buy was sold due to the fact that we could not get this account removed from my credit report.in time before closing. I am extremely upset and will stop at nothing to get this account removed immediately.. If this account is not removed immediately i will continue with my law suit as followed.. The bureaus have failed to provide the proper information in removing this account while also violating the FCRA. Keep in mind that i have already opted out of arbitration. So my grounds to sue are valid. please assist me in removing this account immediately XXXX XXXX $ XX/XX/XXXX closed account this account is reporting on all 3 bureaus also address that I dont recognize XXXX XXXX XXXX XXXX XXXX  XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX PA XXXX Inquires that were unauthorized XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX members XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2019-01-22
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I am a XXXX XXXX  employee in XXXX status due to the XXXX. Toyota Financial Services has offered help to those affected that have good standing loans/leases with them. My lease is in good standing. 

To my surprise, they offered me a 60 day deferral ( moved to end of lease ), for a fee of approximately {$290.00}. I was shocked! They are not helping us, they are helping themselves to additional charges to XXXX XXXX that are vulnerable. 

I have contacted 3 other financial institutions that I have business with. All agreed to defer one or two months, interest and fee free. 

This is wrong.
Consumer complaint received 2019-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (FL)

I was desperate to have a fraudulent collection removed from the credit reports. XXXX XXXX was recommended to me a XXXX representative. I signed up at the lowest level that just included sending the necessary letters and documents to remove the collection. The beginning was rocky when I was billed {$120.00} rather than the {$59.00} they advertised. They reduced my membership, but never adjusted for the first month 's charges. Prior to hiring them I had a medical bill removed on my own. Of course XXXX XXXX considers that a success of their program. Ultimately, after 6 months they produced no results other than income to them. When I questioned that lack of production they just cancelled me and tried to collect for days after service cancelled. Another example of a company claiming to helping people when they only help themselves to our money. In the end they turned ugly and tried to intimidate me to continue services.
Consumer complaint received 2023-08-08
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. (TX)

In accordance with the Fair Credit Reporting Act, the following list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I have requested Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX Acct # XXXX XXXX XXXX XXXX  XXXX Acct # XXXX XXXX XXXX XXXX  ( XXXX  XXXX  XXXX XXXX . Acct # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 USC 1681i ( 5 ) they are suppose to modify accounts if it isn't reporting correctly. Also. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also they aren't even in compliance with metro 2 credit reporting or the consumer laws that's been put in place. I have evidence to prove my case.
Consumer complaint received 2024-11-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (SC)

I have been a Navy Federal Credit Union member for several years now. I have been erroneously charged overdraft fees and fees associated with transactions that did not go through due to a low balance. I want to be issued a refund from the Consumer Relief Fund, by Navy Federal Credit Union based on the most recent class action lawsuit.
Consumer complaint received 2021-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

This company was contact months ago and so were all 3 credit bureaus. The account in collections was opened fraudulently back in XX/XX/XXXX and this company is purposely reporting this debt as if it was opened in XXXX. This leads to more of a score drop on my credit report and is being done on purpose because XXXX XXXX  XXXX is aware that the account was is set to fall off in 7 years ( XX/XX/XXXX ) which was confirmed by all 3 credit bureaus however this unscrupulous bill collector is reporting the account being opened this year XXXX just because they bought the debt which should not be allowed by the credit bureau and should not be done by the collection agency. This is a ridiculous attempt to not submit the correct information and it needs to be reported correctly which is it was opened in XXXX NOT XXXX. 

This debt needs to be reported correctly it was last delinquent in XXXX and is set to fall off the credit report XX/XX/XXXX, therefore XXXX XXXX  XXXX should not be allowed to report fraudulent information as if this account was open and first because delinquent in XXXX to the credit bureaus and the credit bureaus should NOT allow this practice to continue for anyone, very unscrupulous behavior and XXXX XXXX  XXXX has been notified and have made no changes.
Consumer complaint received 2024-11-22
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (NV)

My ex-wife has a Synchrony bank XXXX XXXX XXXX XXXX PA XXXX Care Credit card account number XXXX that she is the User. With a XXXX XXXXXXXX balance. 
Synchrony bank is reporting to XXXX and XXXX that I am an authorized user. 
I called on XXXXXXXX and was told they can not access the account to remove me. My EX-wife called and she was told, that I need to fax a letter with my name, SS and account number to be removed as a user. I faxed the. letter XX/XX/year>. 
No action has been taken to remove me from reporting.
Consumer complaint received 2024-11-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (CA)

There has been many times were Navy Federal has shown i had enough money in my account to afford certain things. I would go and purchase items and somehow my account is negative and I get charged so many overdraft fees. This has happened on my credit card and debit card. Recently, it happened about XXXX weeks ago, but Ive been dealing with this problem since XXXX  which is when Ive joined navy federal. I screenshotted my account for evidence and cropped my name and account information out of course, but its just for reference. Its ridiculous and it causes many of my peers stress.