davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Easyknock (NC)

My bank account got hacked, so I fell behind on mortgage. They sent me someone to email. But the address was invalid for months. They wanted me to screen shot the checks. I did so but they said that the pictures were blurred. Then someone else took over my account bc the first person is not working there any more, and she just emailed me that they are moving forward with the repossess of my house.
Consumer complaint received 2024-08-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: WELLS FARGO & COMPANY (HI)

We decided to sell our home due to a series of challenging events, including health issues, the passing of a family member, a family conflict leading to my children moving out, and my husband 's minor vehicle accident. I tried to keep up, but with all these changes, we decided to sell our home just before prices started to rise. I trusted the figures provided by the bank, but now, due to the sale, my grandchildren are struggling with housing instability, moving from XXXX place to another. 

Years after we received correspondence from the mortgage company informing us of the error in processing our modification. In the amount in the modification. In this current real estate market there is no way we can afford a home and the rental market is also high. We live in XXXX  where the cost of homes has tripled in value and there's no way we can find a home we can afford. 

I know this section is for mortgages but they made the same error with my vehicle loan with Wells Fargo and the same thing happened. I received correspondence saying there was an error in processing my payment. They repo my vehicle and years later realized there was an error in processing the payment. My credit was affected because of the reporting and it could have affected the jobs I tried to applying because they now do credit checks. 

Years after Wells Fargo sent us correspondence about the error that was made. I don't want this mistake to go without compensation because our decisions were made on their mistake with our home and vehicle. They have put my family in this situation of having my grandchildren houseless and separating the family component just to have a roof over our heads. We are currently renting so we don't have the freedom to have them stay.
Consumer complaint received 2024-08-25
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to send money to another person
Company: Paypal Holdings, Inc (CA)

On Friday XX/XX/24 I received a long-awaited and much needed direct deposit from the XXXX in the amount of {$2500.00}. I attempted to transfer the majority of those funds, {$2300.00} to be exact, to my partner as he assists me with managing my money. Unfortunately, the transaction did not go through the first time so I tried it again thinking that it may have been a connection error or something of the sort. However, after trying it a couple more times and it failing without providing me an explanation as to why the transaction wasn't completing even though the funds were available I tried sending {$50.00} to my mother and that transaction too was denied without providing a reason. I then received an email stating that my account was suspended due to suspicious activity and that I needed to send a copy of my ID for verification and consider changing my password. I submitted the requested documents around XXXX XXXX on XXXX. I called support and asked if there was anyway they could expedite verifying those documents/my identity and unsuspend the account. However, I was told there was no way to get in touch with the XXXX or XXXX XXXX handling account freezes for suspicious activity and the rep I was speaking too didn't have the XXXX nor capability of unsuspending an account. I was disappointed to say the least. I was then told that it could take up to XXXX  days for the information to be verified and the freeze removed. I called XXXX  to follow-up but was told that this department only works XXXX  through XXXX  and there'd be no guarantee. 

I am experiencing a family emergency this weekend and not having access to my funds is causing me a hardship. 

I believe that it should be required that a reason be provided when a transaction fails and instructions should be given on how to avoid account suspension and proceed with the transaction. Had I known the activity was " suspicous '' I would not have attempted the transaction multiple times hopefully preventing account suspension.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: National Credit Adjusters, LLC (OH)

National Credit Adjusters has incorrectly reported a false address on my credit report. Because this was reported by them, I am unable to dispute the address and have it removed from my account. The company did not inform me or try and have it removed from my account. I asked for a report of the information detailing what information they have and what accounts they have, because now I believe that there is a lot of wrong information.
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

i have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presumed that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( please remove this account before i seek litigation for defamation of character ). XXXX XXXX XXXX  .bal {$0.00}, XXXX XXXX XXXX XXXX bal. {$5900.00}, XXXX XXXX XXXX XXXX  bal. {$150.00}, XXXX XXXX XXXX  XXXX {$0.00}. please remove these inquiries XXXX XXXX XXXXXXXX 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION (SC)

I've attached a copy of consumer credit report I don't recognize Accounts, Collections as a result of identity theft and fraud. Per case # XXXX and ref # XXXX Identity theft XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00} XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$50000.00XXXX XXXX XXXXXXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$10000.00} Credit Limit : {$10000.00} XXXX XXXX XXXX  XXXX {$5200.00} open XX/XX/XXXXXXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} XXXX Account # : XXXX Account Type : Open Account Open Account Type - Detail : Credit Bureau Code : Individual Account Status : Derogatory Date Opened : XX/XX/XXXX Balance : {$4800.00} XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$50000.00} XXXX XXXX XXXX Account Type : Collection Account Type - Detail : XXXX XXXX Code : Individual Account Status : Derogatory Monthly Payment : - Date Opened : XX/XX/XXXX Balance : {$12000.00} XXXX XXXX  Account # : XXXX XXXX XXXX Date Opened : XX/XX/XXXX {$35000.00}
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I was a victim of identity theft and I am currently in distress and suffering from XXXX because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (WI)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries.
Consumer complaint received 2024-09-21
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. (PA)

These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. thanks hard inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Date : XX/XX/year> XXXX XXXX  : Date : XX/XX/year> XXXXXXXX XXXX : Date : XX/XX/year> XXXXXXXX XXXX : Date : XX/XX/year>XXXX XXXX XXXX  Date : XX/XX/year>
Consumer complaint received 2024-10-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX
Consumer complaint received 2024-10-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NM)

I'm writing to inform you that I've fallen victim to identity theft. This communication serves as a formal dispute regarding the accounts detailed on my credit report. I've proactively reached out to the companies involved and started the essential procedures to address this issue. Furthermore, I've lodged an identity theft report with the FTC and have begun disputes with the relevant companies. I kindly ask for your assistance in resolving this matter. Thank you for your prompt attention to this matter.
Consumer complaint received 2024-10-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NM)

USAA has accessed a {$25.00} fee on a payment it would not allow me to cancel as an automatic payment in their system. I attempted to cancel an automatic payment several days before processing and the system would not allow cancellation I made a payment manually for {$500.00} which was posted immediately to my account on XX/XX/year>
Consumer complaint received 2024-11-13
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. (LA)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SLM CORPORATION (KS)

I am cosigner of my daughters Sallie Mae account. My daughter always made payments in good standing She went into a special plan in XX/XX/XXXX due to loss of job and made payments every month until In XXXX of XXXX payment was 2 days late and sallie mae refused to take payment. Response from sallie mae was call back account was not in collections. Sallie mae would not respond to repeated attempts to take paymemt and sent account to collections. My daughter and I each have {$10.00} XXXX to sallie mae and that is not even the correct amount! I am XXXX XXXX XXXX and had great credit. I have a mortgage since XXXX in good standing and purchased a car last year. Sallie mae has pretty much ruined my life!!!! Please who can help. Thank you
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NY)

XX/XX/2024 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, NY XXXX XXXX XXXX Bank XXXX XXXX Department XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX : {$530.00} To whom it may concern : I am disputing the above-referenced debt. Please verify this debt as required by the Fair Debt Collection Practices Act ( FDCPA ( section 1692g ). 
Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please notify the credit reporting agencies that the debt is disputed and /or delete the trade line from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDCPA and the Fair Credit Reporting Act. 
I look forward to hearing from you about this specific matter via mail. Please send written communication to the address listed below. 
Sincerely, __________________ XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX cc : XXXX XXXX XXXX  XXXX Please note that XXXX XXXX XXXXXXXX XXXX Code 2-190 require all debt collectors to send specific written documentation verifying the debt. These include : o Proofofmyagreementtopaytheoriginalcreditor ; o Acopyofthefinalaccountstatementissuedbytheoriginalcreditor ; o Abreakdownofthetotalamountdue, showingprincipal, interestandothercharges ; and o Forallothercharges, thedateofandbasisforeachcharge.

Federal Trade Commission Consumer Response Center NYC Department of Consumer and Worker Protection
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc. (FL)

I am writing to formally dispute the validity of the debt you are claiming I owe. I have never entered into a contract with your company or the original creditor.

I believe this reporting may be in violation of the Fair Debt Collection Practices Act ( FDCPA ). Specifically, the collection agency has failed to : Provide validation information : As required by 12 CFR 1006.34 ( b ) ( 5 ), the collection agency has not provided the necessary information to validate the debt, including the amount, the original creditor, and the date the debt was incurred.

Allow me to dispute the account : In accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I have not been given the opportunity to dispute the debt within the required timeframe.

Refrain from furnishing false or misleading information : The collection agency 's actions in reporting this account without proper validation and disclosure constitute false, misleading, and deceptive practices.

Comply with disclosure requirements : Under 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ), the collection agency is prohibited from furnishing any account to a consumer reporting agency without providing all required disclosures.
Consumer complaint received 2024-09-12
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. (CA)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-12
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: Experian Information Solutions Inc. (CA)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 
XXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2024-07-31
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. (CA)

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that this account is fraudulent though your company claims to have verified this Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-11-01
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: Advantage Financial Service LLC (Idaho) (CO)

account XXXX has been disputed for accuracy with nothing corrected statis of accout inaccurate balance inaccurate ownership innaccurate, nothing consistent between 3 credit bureos the bureos have a responsibility to report accuracy none of the 3 bureos are reporting accuracy and continue to break the law and do not investigate disputes and up date them as accurate