davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-28
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. (TN)

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.XXXX XXXX XXXX Date opened : XX/XX/2016 Balance : XXXX Under FCRA law, 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.
Consumer complaint received 2024-09-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Mr. Cooper Group Inc. (NM)

PERSONAL INJURIES AND PHYSICAL DAMAGE TO PARTIES IN POSSESSION OF THE PROPERTY BY XXXX XXXX. 
the property was sold to us, and there is another sale done by the. attorneys hired by XXXX XXXX. we want to keep our home. attached purchase agreement and listing agreement by land contract owner of property listed in XXXX and settlement in XXXX granting deeds to family occupants of the last XXXX  years. XXXX deed by auctioneer working without qualifying broker ( illegal in NM real property sales ) appears by the counsel of the attorney who worked with service link, XXXX XXXX or other at XXXX and holthus acting on behalf of natiostar and hruting the family in a violent altercation with armed men resulting in emotional harm, physical property destruction ( broken windows and locks ) carrying a zombie deed not in the chain of title. all during pendncy of litigation, and perpetrators said been " sent by the bank to do this ''.
Consumer complaint received 2023-04-25
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (DE)

Good afternoon, My name is XXXX XXXX. I received a letter from Comenity Bank regarding my account closure due to inactivity. I received the letter on XX/XX/, the letter was dated for XX/XX/. I called the company on XX/XX/XXXX to request the account not be closed. I was told that the account was already closed on XX/XX/ and there was nothing that I could do. Once I prompted again, I was told I would have to have my credit pulled again as well as be required to make a purchase on the card for the card to be reactivated. I was told the account was not closed, but it was listed as inactive and there was nothing I could do to reactivate the account outside of another hard credit bureau pull, as well as a purchase on the account. 
I requested to form a complaint, and was told I was unable to do so with the agent on the phone. In addition, I was given a number to corporate which led me to the same office I had previously spoken to. I was told to file a credit bureau dispute, and I must send a written letter, and I would hear back at a later date. 
I feel this is unfair and deceptive. I was not made aware of the account closure or given time to prevent it. It is also unfair that I would be forced to have a hard inquiry on my credit file. I feel that I have been additionally harmed by being forced to make a purchase that I do not want. In addition, this will impact my credit score being that this account has been open for quite a while and will directly impact my length of credit history. 

Thank you for your help and the great work you do for all of the consumers out there! 

XXXX  -Last four of account number - XXXX -Phone number associated with the account - XXXX - Name in account- XXXX XXXX
Consumer complaint received 2017-01-21
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Fay Servicing, LLC (FL)

This is an ongoing problem : Previous case # ( s ) XXXX & XXXX. 
Attached are documents from Fay Servicing, who are the new mortgage service company for my loan. Transfer of service was on XX/XX/XXXX from XXXX. Ever since XXXX took over the loan back in XX/XX/XXXX, constant problems have continued as stated in previous cases aforementioned. According to XXXX, I am in arrears by XXXX month payments. Attached are copies of recent statements and XXXX ( XXXX ) months of canceled checks. 
The second issue is with flood insurance. Fay insist I have no flood insurance when in fact XXXX letter confirms the coverage. 
Third : XXXX and Fay have been including escrow fees and as stated in A letter dated XX/XX/XXXX, the account is non escrow. 
I want this account corrected and all escrow, insurance late fees etc monies refunded. 
This is also is causing a negative effect my credit score Please HELP!
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PENTAGON FEDERAL CREDIT UNION (CA)

INQUIRIES ON MY XXXX REPORT DO NOT HAVE AN ACCOUNT WITH THE COMPANY, NOR HAVE I APPLIED FOR CREDIT WITH THESE LENDERS. 

XXXX. XXXX XXXX XXXX DATED XX/XX/XXXX XXXX. PENTAGON FCU-XXXX DATED XX/XX/XXXX 2022
Consumer complaint received 2023-06-10
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. (VA)

I have unlawful inquiries and delinquencies on my credit report. 

XXXX XXXX - XXXX XXXX XXXX XXXX XXXX- XXXX XXXX Capital XXXX ( XXXX XXXX ) XXXX XXXX Credit XXXX Bank- XX/XX/XXXX 25
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (OH)

Kindly dispute the bankruptcy that appears on my credit report, I'm writing. I have a court letter stating to the fact that this bankruptcy should not to be published. This situation gets worse by the involvement of an unauthorized third party.
Consumer complaint received 2024-09-11
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)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$2100.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$1100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$790.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$490.00} XX/XX/XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MI)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2023-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX account number XXXX is reporting incorrectly. I request that this inaccurate item be immediately investigated. The account must be removed to show my true credit report. Please investigate and provide verifiable documentation of the : DATE of last activity, Outstanding Balance and the date account was charged off. 

XXXX XXXX XXXX  account number XXXX is reporting incorrectly. I request that this inaccurate item be immediately investigated. The account must be removed to show my true credit report. Please investigate and provide verifiable documentation of the : DATE of last activity, Outstanding Balance and the date account was charged off.
Consumer complaint received 2023-03-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (IA)

UNDER FAIR CREDIT REPORTING IF ANY ACCOUNT OR LOAN OF SERVICE MUST BE SUMOTTED TO CREDIT WITH ACCURATE INFORMATION. THIS LOAN WAS ORIGINATED WITH AN ADDRESS IVE NWVER BEEN ASSOCIATED WITH AND THE CURRENT ADDRESS ON FILE IS A CHURCH ADDRESS, THE LOAN HAS XXXX SLOWLY MIGRATED TO ALL MY INFORMATION AND ACCORDING TO ACCOUNT SPECIALIST IN FINANCE IT WAS OBTAINED BY THE MAIN SIGNER OF THE LOAN FOR THE CAR XXXX XXXX. ACCOUNT DISPUTED BY CO SIGNER. 

-XXXX XXXX  ALERT WAS PLACED ON FILE XX/XX/XXXX BY PHONE WITH XXXX CREDIT AGENCY -NAME IS LEGALLY INCORRECT -ADDRESS AND STATE ID INFORMATION INVALID OR MISSING FROM CREDIT APPLICATION -INITIAL PULL OF CREDIT PULL ON FILE -LOAN WAS INITIAL APPROVED FOR ONE SIGNING PERSON, XXXX XXXX. CREDIT ACCEPTANCE DOCUMENTA SHOW CO-SIGNER WAS ADDED ON AT FINAL SIGNING OF DOCUMENTS. 
-CO SIGNER WAS IN XXXX XXXX AS A MEDIC IN THE XXXX XXXX XXXX XXXX 5. YEAR CONTRACT Credit Acceptance Corporation XXXX XXXX - MAIN SIGNER XXXX XXXX - FRAUDULENT CONSIGNER APPLICATION VICTIM / NAME INCORRECT Car loan - USED XXXX XXXX XXXXXXXX XXXX XXXX  LOAN BALANCE XXXX LOAN STATUS : CURRENT LOAN ORIGINATED/ XX/XX/XXXX IN XX/XX/XXXX MY EX PRTNER INFORMED ME HE WAS GETTING A NEW CAR AND LOAN THROUGH XXXX XXXX XXXX XXXX NEBRASKA XXXX THE LOAN WAS DISPENSED BY CREDIT ACCEPTANCE CORPORATION. IN XXXX I NOTICED THE LOAN ACCOUNT ON MY XXXX XXXX WHEN I RETURNED FROM XXXX XXXX. I CALLED XXXX XXXX AND STATES, I DID NOT CO SIGN WHY DOES IT STATE THAT IM THE JOINT SIGNER OR CO SIGNEE OF LOAN ACCOUNT. XXXX HAS REFUSED TO PAY THE CAR NOTE, THE CAR IS BEING HELD AT THE XXXX XXXX, THE TOW LOT OWNER WILL NOT RELEASE IT WITHOUT A XXXX PAYMENT FOR STORAGE. REVIEWING THE LOAN DOCUMENTS FROM THE CAR DEALERSHIP THE LOAN WAS INITIALLY IN XXXX XXXX NAME ONLY WITH XXXX DOWN DEPOSIT. ON THE LAST PAGE IT SHOWS A LINE FOR SIGNERS AND CO SIGNER TO SIGN THERE NAME. IT DOES NOT MATCH PERSON SIGNATURE AND WAS OVER-SEAS ON XXXX XXXX AS XXXX AND IT WAS SIGNED BY SOMEONE LEFT HANDED, ALLEGEDLY. VICTIM IS RIGHT HANDED. NO INQUIRY FOR REQUESTING DEALER TO PULL VICTIMS CREDIT FILE. 

CREDIT ACCEPTANCE HAS REFUSED WORKING WITH ME OR OFFERING GAP INSURANCE OR ANYTHING ELSE. 
INCLUDING ASSISTANCE WITH CAR RECOVERY OR TRANSFER OF LOAN OR MY REQUEST TO BLOCK FROM CREDIT REPORT. 

I ISSUED THEM FULL PAYMENT FOR THE AMOUNT OF XXXX FOR A COMPLETE PAY OFF OF THE LOAN ON THE XXXX OF XX/XX/XXXX. 

ON THE XXXX of XXXX I FOUND THIS WEBSITE XXXX XXXX FOR ASSISTANCE. PLEASE ASSIST WITH REMOVING THIS FROM MY CREDIT OR SHOWING IT AS SATISFIED.
Consumer complaint received 2024-09-11
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

I filed a discrepancy several times through XXXX with the debt collector Columbia debt recovery the apartment charge me {$21000.00} which was incorrect, the rental leasing company stated that i had been renting a unit for several months after we had moved out charing illegal rent, I moved out and into house with anew lease I sent all this information along with police report that I filed for fraud. the company Columbia debt recovery hasn't done anything to take off my credit report.. I keep filling the same dispute with company and have not gotten a resolution.
Consumer complaint received 2023-06-29
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: EQUIFAX, INC. (SC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account needs to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2024-09-11
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. (IL)

I am currently conducting a fraud investigation concerning THIS account and would appreciate your cooperation in providing the necessary documentation. I am requesting the following information to assist in my ongoing litigation with other companies related to violations of my consumer rights, HIPAA laws, and FDCPA rights : 1. All references of payments made on the accounts.

2. Addresses associated with the payment sources used.

3. Payment records and sources of payment.

4. Telephone numbers used in connection with the accounts.

5. Any documentation or information tied to the creation and maintenance of this account. 
Please provide the requested documentation within the next 10 days to support my investigation. Thank you for your prompt attention to this matter. I look forward to your cooperation. If you choose not to participate in this investigation, I expect this company to remove the fraud account.
Consumer complaint received 2024-09-11
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. (CA)

After carefully reviewing my consumer report, I have noticed that XXXX has been reporting an account to my consumer reports. I did not give you any express permission or permissible purpose to report anything on my consumer reports. As a consumer, I have the right to privacy pursuant 15 USC 1681, 15 USC 1692, and 15 USC 6801. My private information should remain my private business, and student loans are considered my private information. Your company reported my private information without my consent which constitutes aggravated identity theft due to the fact that I did not give you permissible purpose to report any information on my consumer reports. As a consumer, you XXXX have an obligation to protect my personal non public information. 

Section A of this law 15 U.S. Code 6802 is saying that your company, XXXX, is not obligated to report or disclose any nonpublic personal information to a third party company such as a consumer reporting agency. A third party consumer reporting agency has no affiliation with your company XXXX ; therefore, you are not required to disclose any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. Nonpublic information consists of my name, my address, my account, or account number. This is not public information.
Consumer complaint received 2024-09-11
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. (MD)

I'm writing to bestow my XXXX concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.
Consumer complaint received 2023-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

My name is XXXX XXXX and i am a consumer and disputed some accounts on my credit report that seemed to be inaccurate to me and after the investigation back from EQUIFAX there still are inaccurate reporting. EQUIFAX verified and updated my consumer profile inaccurate but they said everything is 100 % complete and accurate. I disagree with that so I DEMAND the description of investigation according to 15 USC 1681 ( 7 ). 

This account below is inaccurate from the... 
OPENED DATE ACCORDING TO CONTRACT FROM XXXX XXXX XX/XX/2021 EQUIFAX HAVE REPORTED XX/XX/2021 ( INACCURATE/FALSE REPORTING ACCORDING TO FCRA ) HIGHEST BALANCE ACCORDING TO CONTRACT FROM XXXX XXXX {$17000.00} EQUIFAX BALANCE HAVE REPORTED AS {$15000.00} ( INACCUARTE/FALSE REPORTING ACCORDING TO FCRA ) DEFICENCY BALANCE ACCORDING TO XXXX XXXX {$54.00} ( WHICH WAS ALSO REPORTED LAST MONTH ) EQUIFAX DEFICENCY BALANCE IS {$5000.00} ( INACCURATE/FALSE REPORTING ACCORDING TO FCRA ) Account name : # XXXX XXXX  # XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 16811 ( 5 ) ( A ) ( i ). 

Attached is all documents and reports regarding this dispute. 
Original dispute, Contract from XXXX XXXX, Updated Credit File with proof off false reporting and inaccuracies from EQUIFAX And Proof of identity
Consumer complaint received 2024-07-27
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Neon Newco Corporation (CA)

Private card preloaded card then went to activate. It and said it could not be activated, but yet the money is on the card. You would think it would be pre. Occupied when you preload it, it's a XXXX XXXX. What is the issue? I gave them all my information. And they're trying to say I'm giving them false information, but it's not. And now. 
They're saying I can't use my money. So what am I to depending on? 
This money and it's an emergency. My grandmother is a diabetic and needs her medication or else she can die. If something happens to her in the meantime. What is she? What are we to do? It's gon na be on your fault. 
I don't know why they just can't let me use my money and then close the car or let me use what's in it.It makes no sense to me it's prepaid
Consumer complaint received 2023-03-11
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Advanced Collection Bureau, Inc. (OK)

I seen that I had an amount owed to advanced collections. I had originally paid {$300.00} to the landlord, the landlord said it was applied to my move out charges, yet I am being charged for the entire amount of {$300.00}. It is Paid. They are falsely applying this to my credit, they are unwilling to help Me since I am turning to you for help. I shouldn't have anything on my credit report as this has been settled before it was even sent over to collections. XXXX XXXX manager XXXX XXXX is the one that I have spoke to about everything.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

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. 


Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or 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 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Despite the compelling evidence I provided and the absolute lack of verification from the purported creditors, you have inexplicably chosen to ignore my pleas for assistance. 
The fraudulent accounts that I insist be addressed are as follows XXXX XXXX XXXX XXXX XXXX Your apparent indifference to my repeated requests for resolution is nothing short of scandalous. 
Your egregious failure to uphold these obligations has caused severe harm to my financial well-being and emotional distress that I can no longer tolerate. I will not stand by idly while your organization continues to neglect its responsibilities.