davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (OK)

I sent all requested identifiers to Experian. I waited some time and called special handling to verify their receipt and validation. All items were accepted at said point. I elected to place several items in dispute with Experian, including but not limited to Date of birth, Addresses, Name indifferences, and several unknown credit inquires, and collection accounts. I waited the time frame they are allowed by law they elected to remove some items from the credit report such as collections who did not respond in their time frame and that is really all. I asked about the collections that remained and was told they remained because they were validated by the source, I explained the source has agreed the debt is not valid and has asked it be removed via XXXX update ( XXXX DELETE ). They said the debt was valid and refused to delete. I explained that several of the credit inquires were agreed to be deleted as well I sent them correspondence from the source to them via certified mail that explained the same and they refused to remove said items. I asked what items in specific the creditors had verified when they had verified bad debt they said it was not their responsibility to disclose. When I call to inquire further with Experian, they elected at their sole desertion to have my call automatically transferred to an answering machine in special handling based on my input of social security number. I have left several messages and allowed some time to pass and never received any follow up calls. They have also elected to block access to online reports or disputes and ask me to send in identifiers they already agreed to receiving, even if I elected to pay for my own report. When I applied for a credit card and they used Experian, I was informed their was no Experian report found. I have a credit report that Experian sent me.
Consumer complaint received 2015-08-07
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: DISCOVER BANK (TX)

I have been a DISCOVER IT card holder for over a year now -when I applied after repeatedly getting solicitation from them to do so because I had a good credit score - I was issued a card with a limit of XXXX.at the time my score was XXXX. recently I received notification that they did a review of my credit report thru XXXX and made a decision to lower my credit limit to XXXX? right now my balance is approx. XXXX so I would be at my limit and that will effect my credit history, because it will show that I am almost at my limit. how can they just take back a credit limit? I tried to call to discuss and they gave me a number to call that no one answers and also they thanked me for being a valued customer for 8 years? this puzzled me because I have only been a customer for little over a year -my trust has been violated - and they are going to ruin my credit rating - because if it shows that I am utilizing my limit to the max that will lower my score someone needs to investigate this practice - I did not ask for a increase so if they did a review then they should have just left the limit as it was -they offered me the credit card - and they gave me a limit of XXXX and until I ask for a increase there was no reason to change anything between us - I am credit worthy conscious and have a good credit rating - I fear their act will lower my credit rating - I ran my report it says that I am utilizing over XXXX % of my credit cards and that has an effect on my score - with this act on DISCOVERS part to decrease my credit limit that utilization is going to go up more -therefore effecting my credit rating - I can provide a copy of my credit file showing that I in 12years have never ever been delinquent on any of my credit cards or loans - and I feel they did not have any call to review anything about me - they had already issued the card and gave me a limit - and until I ask them for an increase there was no need to pull a credit file and change our agreement and to me the agreement was DISCOVER GAVE ME A CARD WITH A LIMIT OF XXXX and that is what I expected and agreed to - I attached a few of the documents that I have been researching I think it is interesting that these be read by them instead of DISCOVER IT - THIS IS DISCOVER FULL OF IT
Consumer complaint received 2021-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Block, Inc. (FL)

A company by the name of XXXX charged my card {$96.00} on XX/XX/XXXX. I notified cashapp about the charge went back and forth for about a month. So.I changed cards, I notified them to let them know that I could see each where this company is still trying to take money from the new card. They told me don't worry. On XX/XX/XXXX the same company took {$65.00} off my card.Now, I don't normally keep money on this card, but somehow this company keeps trying my card. I tried to look the company up, and Ive gotten no information.
Consumer complaint received 2023-01-29
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. (MI)

I sent the following letter on XXXX XXXX TO WHOM IT MAY CONCERN : Per FCRA as a FEDERALLY PROTECTED CONSUMER, I am now opting out of any and all authorization I, XXXX XXXX, the consumer may have given you written, unwritten, verbal, and non-verbal per 15 usc 6802. EFFECTIVE IMMEDIATELY AND INDEFINITELY. 

PROMPTLY REMOVE THE FOLLOWING ACCOUNTS : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX. 
Thank you for your assistance in this matter, XXXX XXXX
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

There seems to be an identity theft on my EQUIFAX credit report as someone has applied for credit cards with the name XXXX XXXX XXXX XXXX XXXXXX/XX/year> using my information without my consent or knowledge
Consumer complaint received 2022-12-30
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NY)

On or about XXXX, XXXX XXXX sold my 2nd mortgage/line of credit to Rushmore Loan Services . Since then, I have had nothing but problems with the company. Below is a synopsis of my complaint : 1. When I obtained the original line of credit ( LOC ) from XXXX XXXX, my property TAXES were EXCLUDED from the contract. I was responsible for paying them directly, which I was. I had made arrangements with my County Tax Department and was making payments directly to them.

2. Just before COVID hit in XXXX, Rushmore changed the terms of the LOC and without warning, took over paying my taxes. As a result, my payment went from approx. {$300.00} per month to {$1000.00} per month. 

XXXX. EVERY attempt to get Rushmore to consider a loan modification did not end in my favor. They refused my last request at modification in XXXX of XXXX. 

4. When I attempted to again work out a payment plan, ( I called in XX/XX/XXXX ) I was told I didn't make enough money and that I needed to sell my house or they would begin foreclosure proceedings. 

5. I asked if I could make payments toward the back amount due ( {$8000.00} ) in addition to attempting to make my regular payment of {$1000.00}, they REFUSED stating they could not accept payments of ANY KIND until the back balance of {$8000.00} ) was paid in full. 

According to the FBI website, " Predatory loans manipulate borrowers into accepting payment terms that are exploitative. They're used by unscrupulous lenders to extract more money through high interest rates or fees theymy original loan obtained my XXXX XXXX. As a result, I am asking that my property taxes be turned back to me so I can pay them as I was. This would then allow me to make lower monthly payments to Rushmore so that the loan could be paid off more quickly.
Consumer complaint received 2023-10-23
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Tower Loan of Mississippi, Inc. (LA)

In XXXX of XXXX, I was served with papers notifying me that Tower Loan had filed suit against me. I immediately contacted the Tower Loan office and also filed an answer with the Clerk of Court in XXXX XXXX. I have since made several payments ( which I can provide receipts for ) only to be told I am still past due and they keep adding fees and penalties to my balance making it seemingly impossible to pay this debt off. I had the cash in hand but could not make it on a Friday afternoon in XXXX. I spoke with XXXX and advised him that I could come in first thing that Saturday morning ( note that they ARE open on XXXX ) to which he replied he would " meet me somewhere '' to take the payment and that he was not allowed to take a check or debit card payment by phone. I feel like Tower has harassed me and not been willing to work with me. I have explained to them that I am going through a divorce, lost income and have even been hospitalized. They do not care one bit. They continue to call me from unknown numbers. When I don't answer calls that say " unknown caller '', they leave rude voicemails. In XXXX of 2023, I requested a complete billing history from Tower Loan and was told they would get a copy from their attorney. After not receiving anything from Tower, I contacted their attorney myself. They emailed me a statement breakdown which reflected principal, interest, attorneys fees, late fees, court costs and remaining balance. They did not however show all payments made and where the attorney costs were paid. I have tried to speak with XXXX several times about getting a statement and he only says he'll have to get it from his attorney. Then they were supposed to mail me a copy but I have yet to receive it. The email also states that : " We understand that you may periodically request from our firm an updated balance on your debt. The first such request in any calendar year will be provided to you free of charge upon receipt of a written request for same. However, pursuant to La. Revised XXXX XXXX, this firm charges a fee of {$45.00} for all subsequent balance requests ( after the first one ) in a calendar year. For all subsequent balance requests, please send {$45.00} so that our firm can process your request. '' So, they can charge an individual to get information on their own loan? That makes no sense. It seems as if Tower is trying to hide something. I just want a statement that reflects ALL PAYMENTS MADE - in detail, not just amount paid in. Can anyone help me?
Consumer complaint received 2016-04-16
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (WA)

Since XXXX, I have been seeking a modification of my mortgage with Wells Fargo Home Mortgage. I was eventually approved for a 3-month trial. The problem I am currently facing has to do with the process at Wells Fargo Home Mortgage. The first issue is that my work schedule no longer permits me to make phone calls to WFHM during THEIR office hours. As such, I had been relying upon e-mail communication. However, within the last few months the " home preservation specialist '' has been leaving messages asking me to call him. Each time I have responded with a voicemail ( after his hours ) and followed up with an e-mail. I have repeatedly informed him that I am unable to do that unless I take off from work. I have asked him to either leave detailed messages on my voicemail or correspond via e-mail. I find it infuriating that I am not being acknowledged for the employment situation I am in. I recognize the importance of not communicating sensitive information via these means and I assume he does as well. However, if there is a request, question, etc. it does not have to be communicated over the phone. 

The second issue ( also during this modification process ) concerns the appraisal of my home. I contested the initial appraisal value WFHM provided as it was $ XXXX too high. I received a letter e-signed by the home preservation specialist indicating that it may be necessary to order a new property appraisal and that a ) I could owe towards the cost of it and b ) I would be notified if a new appraisal was necessary. The next communication I received was a copy of a new appraisal completed by a local agent. I asked the home preservation specialist about this because if there was a cost involved, I would have rejected it. Instead, the appraisal was apparently done without my approval. The reservation specialist suggested I contact Executive Complaints so I faxed a letter to them on XXXX XXXX, 2016 and have yet to hear back. 

The third issue concerns my trial payments. I have made the first two payments on time but yet they continue to show as " unapplied '' in my mortgage statements. In addition, the statement contains verbiage about being past due, so I have grave concerns that while I am adhering to the trial modification, WFHM is a ) reporting inaccurate information to credit bureaus, and b ) accruing additional late charges.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

The following information does not belong to me, I 'am a victim of identity theft.

Reason Code : This account is not mine and is a fraud. Please delete it from my report.

Instructions : In compliance with the Fair Credit Reporting Act ( FCRA ), you are required to verify the debt and confirm your original signature by the FCRA 's obligations for validating a debt. And if you can not validate the debt, then the account must be deleted immediately.

Provide a detailed log of dates and times of attempts to contact our client, and explain your relationship to the alleged account creator. Specify if this is an assignment or a purchase of the account. Also, furnish the account details for the past year and any applicable collection fees or interest. If you're a third-party collector, submit your license or bonding information to confirm your identity. Failure to comply with these questions will result in the removal of the aforementioned fraudulent tradelines from the credit report due to the violation of our client 's consumer and privacy rights. You are hereby required, under the FC RA 's regulations, to : a ) Validation of the debt refers to checking the accuracy of accounting. 
b ) Verification of signed Invoice.

c ) A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered.

d ) Please provide the original document and a wet signature. If you can't provide these items, then you must delete them. 

Let it be known that XXXX XXXX has suffered substantial financial loss, harm, and aggravation due to this erroneous reporting. With the foregoing in mind, our client prefers to avoid litigation but stands ready to exercise his or her respective rights should the need arise. Nevertheless, our client ( XXXX ) seek the removal of the aforementioned account. And if the accounts are not removed within five days of receipt we shall seek a reasonable settlement offer for {$25000.00} in consideration of the financial loss and distress our client has suffered because you failed to comply with the FCRA statutes. You shall pay on XX/XX/2023, the sum demanded if the accounts listed above are not removed by XX/XX/2023.
Consumer complaint received 2023-10-23
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (IN)

I had XXXX orders from Amazon for over {$150.00} each. Had auto pay with Synchrony credit card and they still charge me. Getting run around since then. Canceled Amazon account and card to stop Fraud by bank.
Consumer complaint received 2023-11-12
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have no knowledge of this inquiry from Bank of America I have no supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such inquiry, in fact therefore exists.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I filed a dispute with XXXX ( XX/XX/XXXX, Report Number XXXX ) and Equifax requesting that they do a full investigation of all information being reported on my credit profiles by XXXX XXXX XXXX XXXX because they were both reporting different information from the same company regarding the same alleged debt.

I also wrote a letter to XXXX XXXX XXXX XXXX  requesting a full investigation and proof that the information they are reporting is valid, belongs to me and is accurate. They did not respond. 

When XXXX and Equifax supposedly completed their investigations, they are still each reporting different information. After a full investigation, XXXX still does not have the date of first deliquency. They show that the collection will remain on my report until XX/XX/XXXXXXXX XXXX which would put the date of first deliquency at XX/XX/XXXX. Equifax shows a date of first deliquency of XX/XX/XXXX, which is also not accurate based on my recollection, which is why I did not recognize this information as being accurate to begin with. How can XXXX claim to have done a complete investigation into the validity of this alleged debt, yet they don't have the date of deliquency? How can XXXX continue to report this collection if they don't know how long they are legally allowed to report it? Furthermore, how can either company continue to report this collect when, after a full investigation, they are both reporting different information? 

Lastly, I disputed the multiple incorrect addresses XXXX refuses to remove several times. XXXX claims that because creditors, including XXXX XXXX XXXX XXXX have reported these addresses, they can not delete them. The only address that should appear on my credit report is the address I've provided them with on my disputes several times.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

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 15 USC 1681.

has violated my rights. Or a list of inquiries : 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.
Consumer complaint received 2023-10-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NY)

I contacted Nelnet mutiple times via messaging platform linked to my account and via emails. I called Nelnet as well. They placed my call on XXXX hours hold. I asked them to cancel the deferments on my account and continue with the Save Plan. I applied for save plan again on their website and student aid gov page. Nelnet refuses to cooperate and follow up on my request.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

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 15 USC 1681.

has violated my rights. Or a list of inquiries : 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.
Consumer complaint received 2023-03-15
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. (CA)

In accordance with the Fair Credit Reporting Act.List of accounts below has violated my Federally Protected Consumer Rights to privacy & confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


15 U.S.C 1681 section 602 A. States I have 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 crime which antedates the report by more than sever 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 information is inaccurate.
Consumer complaint received 2023-03-15
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: EQUIFAX, INC. (IL)

So, I obtained a copy of my credit report and notice multiple errors with my personal information as well as account that I do not own this information is destroying my credit and I don't think is fair at all I'm sure I have rights.