davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

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 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 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
Consumer complaint received 2023-09-13
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. (SC)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX Balance : {$14000.00} ; XXXX XXXX XXXX XXXX Balance : {$360000.00}.
Consumer complaint received 2024-09-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Experian Information Solutions Inc. (SC)

This is concerning reports showing on credit profile showing of late payments on my credit report from XXXX XXXX XXXX account beginning in XXXX when I never received notice of a due date. I am disputing the late payments on my credit card account for the months of XXXX, XXXX, and XXXX of the year XXXX I believe these charges are unfair because I never received a notice of due date within 21 days before the due date, as required by Section 1666b. 
If you are unable to provide this proof, I request that you remove the late payments for these months. I have been a responsible customer and have made my payments on time. I believe it is unfair to penalize me for your company 's failure to provide proper notice. 
Please investigate this matter and take corrective action as soon as possible.
Consumer complaint received 2019-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (MD)

Nationstar Mortgage ( now doing business as Mr. Cooper ) is incorrectly reporting my mortgage payments as late in XXXX. With the 3 major credit bureaus, it is reported as 30 days late in XX/XX/XXXX and XX/XX/XXXX, and as much as 180 days late. Nationstar Mortgage modified the mortgage in XX/XX/XXXX and I made all mortgage payments to Nationstar, on-time, in XX/XX/XXXX and XX/XX/XXXX ( see the attached PDF, including bank statements, for documentation ). I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX, dated XX/XX/XXXX, telling me that the servicing of the mortgage was transferred to it and to make all payments after XX/XX/XXXX to XXXX XXXX XXXX XXXX, so that is the company that I paid in XX/XX/XXXX and XX/XX/XXXX. 

Nationstar sent email and letters to me and called me in XXXX and XX/XX/XXXX in attempts to collect mortgage payments. I called Nationstar several times and told the representatives that I made my payments to XXXX. I later learned that Nationstar messed up the loan servicing transfer process and did not actually transfer the servicing of the mortgage until after I made the XX/XX/XXXX mortgage payment to XXXX. However, XXXX neither returned my payments nor notified me that the loan transfer process had not been completed. 

I called Nationstar on XX/XX/XXXX and sent email on XX/XX/XXXX, in my attempts to get the company to correctly report my payments to the credit bureaus. On XX/XX/XXXX, Nationstar sent a letter to me ( copy attached ), which stated that it found nothing wrong with how my mortgage payments were reported to the credit bureaus. I called Nationstar on XX/XX/XXXX, and it said the same thing and refused to correct the problem. 

I am asking for your help in getting Nationstar Mortgage to make corrections, and report me as paying on-time for XX/XX/XXXX-XX/XX/XXXX, with no late payments.
Consumer complaint received 2019-10-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Client Services, Inc. (NY)

XX/XX/2019 SENT XX/XX/2019 Client Services Incorporated ( CSI ) XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, MO., XXXX REFERENCE NUMBER : XXXX ATTN : XXXX XXXX AND/OR Client Services P.O. XXXX XXXX XXXX XXXX, MO. XXXX ATTN : XXXX XXXX RE : FOLLOW-UP COMMUNCIATIONS TO CEASE AND STOP XXXX XXXX XXXX XXXX ( XXXX ) Complaint ID XXXX and Internal Revenue Service LTR XXXX of identity theft claim Dear XXXX XXXX and XXXX XXXX, This letter is sent to Client Services Incorporated to cease and stop due to Client Services Incorporateds fraud, lying, and violating debt collection laws in the state of New York. 

Please stop hazing me immediately. Hence, Client Services Incorporated is charged with past due debt fee of {$5000.00}, for the costs of my legal investigation fees, losses, Citibanks negligence, and my Personal Identity Theft protection. 

Client Services Incorporated has misused my name, identity, and is to cease hazing me. 

Citibank is aware of the fraudulent charges in XXXX XXXX  XXXX XXXX and XXXX which caused identity theft and fraud. 

This is my notice to Client Services Incorporated of a debt collection notice that is going to be past due in three days from the date of electronic notice of XX/XX/2019, in the amount of {$5000.00}. 

XXXX and Client Services Incorporated failed to care and investigate properly thus committed fraud, and lies. 

Respectfully yours,
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2019-10-22
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (OR)

I was XXXX from XX/XX/XXXX - XX/XX/XXXX. When I returned home and set up my online account for my US Direct Express debit Mastercard which received nearly {$15000.00} of back payment for social security XXXX payments ( XX/XX/XXXX - XX/XX/XXXX ), I discovered over 136 transactions for restaurants, utiltiies, court fees, legal services, car repairs, car loans, rent, cash withdrawals that were fraudulently made by the person checking my mail at my PO Box . I immediately confronted the person, who admitted to using my card without my permission and promised to pay me back. This was all of the money I have to survive on. 

When the suspect did not pay me back as agreed, I had to file a police report with the XXXX Police to dispute all of the charges. I also contacted all of large amount creditors who noted their file. 

On XX/XX/XXXX, US Direct Express unwarrantley denied my dispute and is further victimizing me by not accepting the dispute so that those unauthorized charges can be reversed. I have sent US Direct Express a demand for an explanation, and request to appeal that denial. And, further investigation has determined that a second suspect made unauthorized charges, and I have filed a new dispute for those charges. 

The amount stolen is approximately {$13000.00}.
Consumer complaint received 2019-10-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (KY)

I disputed the apartment collection through the credit bureaus on XX/XX/XXXX, then again XX/XX/XXXX, plus I mailed NCS a debt verification letter, which was never answered? I do not believe the balance amount is correct. 

I asked for a itemized breakdown of all costs that add up to {$2900.00} Plus according to Ky. Rev. Stat. Ann. 383.670, I would like to know what steps were taken to re-rent the unit to limit my exposure to additional rent costs?
Consumer complaint received 2019-10-22
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. (TX)

from XXXX to XX/XX/XXXX i was XXXX  i pulled credit and saw multiple accounts that i did not authorize XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX I would like these accounts deleted from account federal trade commission report have been submitted along with police report
Consumer complaint received 2019-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I have sent multiple disputes to both XXXX, XXXX and Experian in which XXXX and XXXX are reporting duplicate accounts with different open dates, and balances which is significantly damaging my credit history. These accounts were disputed and also copies of the credit report were sent into to them as well. I asked them for proof that the company even responded to them and for proof of what was used to determine this information was verified as accurate and I have yet to get that information. 

Experian continues to report inaccurate, unverifiable information as well.
Consumer complaint received 2024-09-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Neon Newco Corporation (VA)

XX/XX/year> Enrolled in account via netspend.com after viewing a promotion to receive a XXXX XXXX ( {$40.00} ) bonus after completing required deposit activity. Began account verification process to pull funds from account once the deposits were received via XXXX. I attempted to link the account with my XXXX account via XXXX. 

XX/XX/year> Notified by email to contact customer service by telephone, XXXX, because of an 'account issue '. I called XXXX. I was not able to log into the account. The agent told me the account was flagged as a risk and closed. The agent also said any further information about the closure was not possible to relay. The agent did not offer an explanation. 

XX/XX/year> I received an email congratulating me on my new account. The account is described as follows, " Netspend Debit Account is a deposit account established by XXXX, XXXX XXXX, Member FDIC. XXXX XXXX XXXX XXXX is a service provider to XXXX, XXXX. ''
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AL)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 3. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX  XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 4. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 5. This is Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15USC 1692 ( g ) account legally paid in full but still showing that I have latepyment on this specific account FDCPA Section 807 Violation Mislead XXXX XXXX Account Number : XXXX Failure to comply with data privacy law is your violation of my rights delete these accounts immediately 6. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 7. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 10. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX  XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 11. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report
Consumer complaint received 2024-09-09
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. (NJ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2019-10-22
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. (TX)

This account below is not mines. I never received notification of this debt prior to being added to credit report which is against the law. I have disputed this with the collection company after it was added to report. I have also filed a formal complaint with the Attorney General of Florida. 


COLLECTIONS XXXX XXXX XXXX Opened XX/XX/2018 {$31000.00} Original creditor : 08 XXXX XXXX XXXX XXXX Overview You've paid off 0 % of your collection amount. 
Balance {$31000.00} Highest Balance {$31000.00} Opened XX/XX/2018 ( 1 yr ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name 08 XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (NY)

I received written communication from lvnv funding llc in XX/XX/XXXX. Not recognizing the debt and certainly not accepting the amount, I disputed the debt in writing within 30 days. They responded with a breakdown showing the wrong amount and not accounting for it anywhere. They are attempting to collect a debt they can't even properly validate. I gave them 30 days to respond showing a breakdown of how they got the amount they did, but they never responded. I want it off my credit report since I consider that an attempt to collect a debt they could not validate the actual amount from.
Consumer complaint received 2024-10-24
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. (NC)

Im certain I make my payments on time, but I dont know why this company is reporting late payments for some months. As per USC 1666b, any billing error should be corrected, showing my payments were made as agreed.
Consumer complaint received 2019-10-22
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)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2019-10-22
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

They called my father 's telephone number asking for me. My father told them that it was not my phone number. The gentleman on the other line asked for my new phone number ( which I've had for over ten years ) and my father said no. When I called to find out what was going on, the " Portfolio Recovery, LLC '' was asking for my social and other personal information. They looked up my father 's phone number and mine and were unable to find a reason for why they called originally. They'll called repeatedly and when I've called back to find out what they want, they are rude, demanding, and just overall nasty. They need to stop harassing my father and me for whatever they want. I don't owe them anything.
Consumer complaint received 2019-10-22
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TrueAccord Corp. (NV)

Starting back in XX/XX/2019, I started receving emails from True Accord. I have written 4 letters to them asking for the emails to stop and all communiation to be via USPS mail only. I have also asked for debt validation. True Accord has ignored my requests and keeps sending me emails on a frequent basis. It is annoying that they refuse to respond and stop the emails as I never gave them permission to email me. It is really difficult and upsetting to continue to receive these emails. And gosh, they even go to my employers phone thus giving my employer access to them as well. That is very unacceptable on many levels. I am just fit to be tied.
Consumer complaint received 2024-09-09
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)

EXPERIAN continues to break the law ; and not follow proper prodegal or procedures, according to ConsumeXXXX law : As a victim of identity theft. Information is to be deleted for this following information according to FCRA 605B 15 USC 1681 in four days. This information is still on my report. I will have to get an attorney involved at this point.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: FREEDOM FINANCIAL NETWORK (IA)

I file bankruptcy on XX/XX/23 and received a XXXX XXXX discharge on XX/XX/23. The personal loan with XXXX was included in my bankruptcy. The loan is unsecured and was discharged. I file 2 credit disputes on XXXX and XXXX to have this removed since I did not reaffirm the loan. Both disputes have been closed and the loan is still reporting.
Consumer complaint received 2019-10-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: TD BANK US HOLDING COMPANY (NY)

Sir/Madam, I mailed a TD Bank check for the workmen com insurance at the date of XX/XX/2019 the amount was {$1300.00} and they altered the amount to {$3300.00} and the payee on check has been altered from XXXX XXXX comp to XXXX XXXX. Check was written from my Business account name : XXXX XXXX XXXX. Check # XXXX Customer Number:XXXX. I immediately report to the bank. Bank told me it takes 100 working days. Now almost 8 months they can't give me any answer. and they did not want to give any credit for it. It is totally Bank fault because anybody see the photocopy of the check, overwriting is clear and Workmen com insurance number is on the check they did not white out.In my knowledge some bank worker may be involve with it otherwise how some one can cash this type of check. 
Please help me out as soon as possible. 
Thanks.