davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-01
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: Experian Information Solutions Inc. (TX)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2023-06-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (OR)

I am disputing US Banks exercising the use of " right of Offset ''. On XX/XX/2023 US Bank charged my US bank Business checking account for {$7600.00}. There are several laws that prohibit the 'right of offset '' for non-secured consumer credit, such as credit cards. Here are a few : - Federal Reserve 's Board Regulation Z, 12 CFR Section 226.12 ( d ) ( 1 ).

- Truth and Lending Act. 
- Fair Debt Collection Practices Act. 

I called them immediately stating I dispute their use of " right of offset '', I also sent them a response letter on XX/XX/2023 stating I dispute their use of the 'right of offset '', and listed items that by law must be presented to legally prove their actions. They only left me with {$200.00} dollars in my account, when I complained about not being able to pay my mortgage, they sent me a check for {$1900.00}, 25 % of the total that they withdrew. After 5 more phone calls over the next couple of weeks, they could not give me an update, nor had they given me any documentation proving the legality of their use of the " right of offset ''. 
Finally, the last woman I spoke with said that I was sending all of this information to the wrong place and gave me a fax number, and a different address. I sent all of the information again to the new address and fax number on XX/XX/2023. They responded on XX/XX/2023, through the letter I have attached. 
The letter gives no legality of US Banks use of the " right of offset. They claim I gave them authorization when I signed up for the Credit Card. They sent me a copy of a contract, without my signature or date on it, they allege that they are able to use the " right of offset '', But in the very next paragraph of the contract it states that the right of offset does not apply " to a debt that is created by a consumer credit transaction under a credit card plan ''. I am disputing US Banks exercising the use of " right of offset ''. It is not legal in this instance.
Consumer complaint received 2023-09-01
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. (FL)

I called your department after I purchased a credit report with XXXX. 
After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that this was CHARGE OFF account on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud account on my credit report all this time just today I have a charge off and that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with this account listed below, so please help me remove this charge off, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 
PLEASE DELETE THE THIS FRAUDULENT ITEMS : Inaccurate Names : XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX ; Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX, FL XXXX ; Account : XXXX XXXX.
Consumer complaint received 2023-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

THE FOLLOWING ACCOUNTS ARE UNVERIFABLE AND INACCURATE : 1 ) XXXX Partial Acct # XXXX .... 
2 ) XXXX XXXX XXXX  Partial Acct # XXXX .... 
3 ) XXXX Partial Acct # XXXX .... 
4 ) XXXX Partial Acct # XXXX .... 
I HAVE REACHED OUT TO EACH OF THESE COMPANIES AND REQUESTED THEM TO VERIFY THESE ACCOUNTS. WHICH THEY FAILED TO DO. I ASKED THAT PROVIDE ME WITH SOME DOCUMENT BEARING MY SIGNATURE AS PROOF OF ME BEING RESPONSIBILE FOR THE DEBT AND THEY HAVE ALL FAILED TO PROVIDE ME WITH SUCH DOCUMENTATION. THEREFORE, MAKING THE ACCOUNTS LISTED ABOVE UNVERIFIABLE. IT IS TO MY UNDERSTANDING THAT REPORTING INACCURATE OR UNVERIFIABLE INFORMATION IS A VIOLATION OF MY RIGHTS ACCORDING TO THE FCRA.
Consumer complaint received 2023-08-14
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: EQUIFAX, INC. (PA)

I kindly request your adherence to the Fair Credit Reporting Act ( FCRA ), a pivotal legal framework established to safeguard the rights of American consumers with respect to credit bureaus. In consideration of this regulatory context, I humbly implore Equifax to undertake the necessary actions to omit the following account details from my credit report : Account Details : Account Name : XXXX XXXX XXXX Account Number : XXXX Original Creditor : Company that Acquired the Account : Date of Account Opening : XX/XX/XXXX Account Status : Closed Last Status Update : XX/XX/XXXX Account Type : Installment Status : Charge-off Balance : {$12000.00} Balance Update : XX/XX/XXXX Original Balance : Monthly Payment : {$0.00} Past Due Amount : {$12000.00} Terms : 1 Month Responsibility : Individual Account I emphasize that the account information attributed to XXXX XXXX was not prepared or generated by me. As outlined by the FCRA, which underscores the importance of maintaining the accuracy and fairness of individuals ' credit histories, I earnestly request your prompt attention and resolution of this matter. 

Your steadfast commitment to upholding the core principles of consumer rights within the domain of credit reporting is greatly valued. I anticipate your timely response and the necessary corrective measures required to address this situation appropriately.
Consumer complaint received 2023-08-13
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 XXXX XXXX creditor : XXXX XXXX XXXX  Balance details 0 % paid off Balance {$1800.00} Balance updatedXXXX XXXX XXXX Original balance {$1800.00} Account info Account numberXXXX Date openedXXXX XXXX XXXX Account typeDebt Buyer StatusCollection account. {$1800.00} past due as of XX/XX/2023. 
Status updatedXXXX XXXX Payment summary XXXX  XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX XXXX - XXXX - XXXX - XXXX - Comments Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) Your statement - Contact info Name XXXX XXXX XXXX Address XXXX XXXX XXXX, SC XXXX Phone number ( XXXX ) XXXX 15 us code 161 c z a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, no later than 4 business days after the date of receipt. it has been more than 30 days and you are in violation of this law because I am a victim of identity theft. Please delete these items immediately. these accounts should not be furnished on my consumer report as they are in violation under 15 us code 1681 b - the permissible purpose of consumer reports ( a ) in general subject to sub-section ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written consent instruction to report anything on my consumer report which violates my right as a federally protected consumer. no consent is identity theft. As a consumer, I am demanding the deletion of the account listed immediately
Consumer complaint received 2023-06-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC (IL)

I had cancelled my cable service provider in XX/XX/2022. As far I knew, I was caught up bill-wise with them. I then received subsequent charges for after the service was cancelled, as well as being charged for contract termination ( there was no contract ). A couple of months later, I started receiving calls from the collection agency, and received a letter in early XXXX saying they are demanding a total amount ofXXXX ( image attached ). This was simply NOT right! On the bottom was a response form, which per the top, indicated I could respond that I am disputing the amount. I chose that option, and sent the completed form to them on XX/XX/2022. 
Even though I sent in the notice of dispute, a few weeks later I saw on my credit report that the collection agency had posted that debt on my credit, thereby lowering my overall credit score. I was upset, as I had obliged by their requests, and yet they STILL hit my credit. Not having heard anything from the company, I then sent a letter dated XX/XX/XXXX of this year ( also attached ), letting them know that I was upset they had hurt my credit without even contacting me to resolve this. As of yet, I STILL have heard nothing from this company ( it's now XX/XX/XXXX ). 
I'm not sure what this company 's " deal '' is, but I know they have harmed my credit by posting an erroneous collection on my credit report ( which I thought would at least be delayed after sending them my original response, since it was incorrect ). Between that and their complete lack of response, I can only question the legitimacy of this so-called business.
Consumer complaint received 2023-08-13
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. (CA)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax is a consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agency Equifax do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax is not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2023-08-14
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

I have requested I vestigation 3 times already ; see below my most recent : XXXX XXXX XXXX and XXXX XXXX XXXX. 
We need all accounts Verified that are listed on your companies reporting! 
Fair Crediting Reporting Act 609 ( a ) ( 1 ) ( A ) as you are required by law to verify. Through physical verification of the ORIGINAL signed contract. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -U.S. Bankruptcy Court XXXX XXXX  Otherwise anyone could send in a fraudulent claim or report especially if paying for your services. 
Your negative reports without verifying has hurt me and my ability to obtain credit. 
FCRA states unverified accounts must be removed. 
I have asked three ( 3 ) times, now I demand verification in the next 72hrs or I shall report your company. Date XX/XX/2023 ; you have til midnight XX/XX/2023. Without recourse. By : XXXX XXXX, beneficiary and by : XXXX XXXX, beneficiary
Consumer complaint received 2023-08-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONS DIRECT MORTGAGE, LLC (WI)

XX/XX/XXXX ACH payment sent by WI Help for Homeowners in the amount of {$12000.00}. This was the amount to reinstate my mortgage. 

XXXX XXXX Mortgage processed my payment on XX/XX/XXXX. This would make my account late for XXXX since it was after the XXXX of XXXX causing my credit score further damage and accumulating further late charges and fees. 

XX/XX/XXXX, my mortgage is still not reinstated and is not found on my online account to make payments and manage my escrow account. Phone conversation with XXXX XXXX XXXX, I made a full mortgage payment over the phone and charged {$10.00} for this. Was told my account would be cleared up by XX/XX/XXXX, so I could access my account online. They claim it takes 30 days to clear the account and reinstate the mortgage from XX/XX/XXXX. 

I have an attorney that is accruing fees and charges because of all the time she has with communication with the attorney at XXXX and XXXX which was hired by XXXX XXXX Mortgage. 

I applied for assistance with my mortgage back in XX/XX/2023 after my XXXX XXXX and finding out I would not be able to work for 6 months. I was never given a chance for help, the loss mitigation packet was sent numerous times and wanted different documents every time, some of which I couldnt provide. 

Now it is XX/XX/XXXX and I still do not have any access to my mortgage account and my credit report is stating that XXXX and XXXX payments were late. This account has been paid in XXXX to XX/XX/XXXX. Now XXXX going to have to pay {$10.00} fee to pay over the phone again since I can not access my account. I still am receiving court documents for appearance in XXXX that were filed on XX/XX/2023 when the account was current.
Consumer complaint received 2016-05-20
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (NY)

my mother and i owned a home between us, while i was not on the deed, she took out a reverse mortgage in XX/XX/XXXX, she passed away in XX/XX/XXXX. A month later I received a bank letter of default, she never informed me of doing this so it was a shock. I have been living this never ending nightmare since than. On the advise of a attorney to protect my interest in the home and property as i had help purchase the home originally with inheritance money, I filed a Chapter XXXX. The bank had several opportunities to contest, they did not, than a year into the bankruptcy and a confirmed plan, the servicer for the bank filed a motion to lift the stay. I have found papers and mailings to my mother which obviously had her fooled to thinking this was a wise decision. My mother left everything in a trust for my children and we also had a notorized agreement that the home was 1/2 mine. There is a stack of mortgage papers atleast XXXX inches think, there is no way all that was explained to her, just initial here areas and no indication of having any legal advise. What appears to be the first mailing to her the pamplet is briefly written and sounds wonderful to our elderly family members, I see how easily they can get fooled. I have been in bankruptcy just about every few weeks lately, with this horrendous fight. Another issue I have had is people really understanding the reverse mortgage differences vs traditional.At first the judge saw the 'human side ' to my story, and saw 'red flags ' when the term 'reverse mortgage ' came up. I thought i had a fighting chance. However, with many loopholes and people really being misinformed, the judge decided to grant their motion to proceed with the foreclosure.just today. I am devastated. I am a firm believer these need to stop, the loopholes and strings they use is incredible and like sugar coated crimes against the elderly and their heirs, This company has made no attempt to work with me even when the matter was brought to court on accepting payments from me, they refused, saying they have no obligation to do so and that was just during the bankruptcy plan till a refi could be obtained.i believe this was a misleading and deceptive transaction and want some resolution to keep my home from these vultures on our loved ones
Consumer complaint received 2023-06-20
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: MOHELA (CT)

I requested due to Covid-19 and being the only income for my home I couldnt get these late overdue payments removed from my credit. I tried to defer but as the only income MOHELA  wont remove these. Id like them removed so I can improve my credit.
Consumer complaint received 2023-09-01
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (NM)

OneMain is stealing money from my payments and not updating the account with the payment information in an attempt to defraud me of money. When I attempt to download the statements from OneMains website the documents will not download. When I call the local OneMain location for information they refuse to provide me statements and or an audit of the account. The local OneMain location seems deceptive in nature and I believe they purposely hiding information. I have not been supplied any statements from OneMain I believe that they are involved in criminal activity.
Consumer complaint received 2023-09-29
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. (NY)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still other account that need to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account get corrected.

XXXX XXXX XXXX : {$440.00}.
Consumer complaint received 2020-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NV)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$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 ) I am writing to request the method of verification for dispute initiated onXX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.