davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (NV)

I am a customer of Nationstar Mortgage. 
I requested a chain of custody on my deed of trust from them. While incomplete, the documents disclosed a robo signed document dating back to XXXX XXXX & XXXX 2007. It was signed by XXXX, a known robo signer. 
When I brought this fact up to Nationstar they said they take fraud allegations seriously and would investigate. XXXX they denied any wrongdoing. 
They have moved forward with foreclosure proceedings that will take my home I have owned for 11 years. 
I am a XXXX year old man. XXXX VETERAN. 
I seek your assistance in stopping them from taking my home away from me under the 4th Amendment of the Constitution. 
XXXX XXXX XXXX XXXX XXXX. NEVADA XXXX
Consumer complaint received 2024-06-28
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. (OH)

I reviewed my XXXX XXXX and noticed that there are many inaccuracies and late payments on my account that I was never late for. XXXX XXXX XXXX have assumed a vital role and have a responsibility to report XXXX information to the best of their ability with XXXX XXXX I have not been late on payments for the accounts. ( XXXX XXXX ), ( XXXX ) has different dates of late payments. STRIDE, XXXX is shown as " closed '' for the account from XXXX while " XXXX '' from Experian. I contacted XXXX and confirmed with them that the account should be open. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as i was not Late, and remove the STRIDE from showing as " closed '' and current the dates for this as well as it shows different dates for payments being XXXX,
Consumer complaint received 2024-05-16
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. (PA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (NJ)

Wayfair is aware of the problem, because they are the problem. I changed my number late XXXX..they claim they couldn't access they account to take or make a payment until new number was verified. They claim i had to wait to receive a reference number in the mail which to this day a year later has never been received, so for XXXX months I was not able to make a payment & Wayfair notated my account regarding the issue, Citibank verified this was notated but they lied & reported me to the credit beraue as being deliquent for those XXXX months hitting me with late fees but notating the credit for the late fees once account was able to be accessed. My XXXX XXXX was XXXX by XXXX and now has been greatly damaged mainly by Wayfairs lies about me being deliquent when I & them were locked out of account. It took for a supervisor at Citibank to take my payment finally on XX/XX/XXXX to pay off what was owed before being locked out with the late fees. I have been asking them to fix this problem with reporting the account closed, when it was paid off since XX/XX/XXXX & they owe me a credit since I paid off the account which I have not also received since I paid off the account. They now claim I have to wait to recieve a letter in the mail just for them to justify the damage they did with their lies which was suppose to have been sent out back in XXXX of XXXX & that also has not been received in the mail. This company acts like they can't send me these requests through an email like they do everything else, including their sales & promotions. They also rudely over the phone said they were not opening up another account for me even thought the mistake & lies & damage was all done on their end/ part. 
I WANT THEM TO FIX MY CREDIT REPORT! THEY CLOSED THE ACCOUNT IMPROPERLY. IT WAS PAID OFF PLAIN & SIMPLE SO THAT IT CAN BE CLOSED. STATING THAT IT WAS CLOSED LOOKS LIKE IT WAS CHARGED OFF TO THE CREDIT BEREAU
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-09-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Synter Resource Group, LLC. (CA)

I believe the account is invalid. SYNTER RESOURCE GROUP, LLC needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. 

SYNTER RESOURCE GROUP, LLC XXXX
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I couldn't stress enough how important my credit score is to me, it's almost been a year that I have been trying to fix errors reported on my credit report. These errors caused detrimental effects on my financial freedom and my overall well being.
Consumer complaint received 2024-05-16
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)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and 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 2024-07-15
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc. (FL)

Aidvantage reported on the XXXX credit bureaus that I was late for payment for XXXX to 120 days late in XXXX. I was never late. In fact, I have been on the XXXXXXXX XXXX XXXX  plan way before XXXX and my monthly payment has always been {$0.00} all the way through XXXX and then in XXXX the president put a pause on all student loan payments and my program continued as {$0.00} plus the pause of no payment. I never ever ever once received a letter in the mail from the student loans at all about my account status or payment issues at all and my mailing address is current on my student loan account. The only letter I receive in the mail is when I contacted you last regarding the error on my report and I was sent a letter stating that I was in good standing and not in default, see attached letter ; but the credit bureaus still falsely show the late payments. 

Please remove the falsely reported late payments from all XXXX of the credit bureaus effective immediately. Thank you for your promptly update my records at all XXXX credit bureaus.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

I insist on the removal of this late payment from my account as it does not faithfully depict my payment history. I have consistently made timely payments, and it is unjust to be marked with this inaccurate entry. I urge you to promptly update my account.
Consumer complaint received 2024-05-15
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. (TX)

I have mailed 2 rounds of letters to Experian, one last month and one this month. They continue to send me emails saying that they dont think it was me that sent the letters. I have called each time telling them it was me that sent the letters. They are not processing my disputes.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-07-13
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. (TX)

I disputed incorrect information contained in my credit report in a letter dated XX/XX/year> ( please see enclosed copy ). I understand that, under the Fair Credit Reporting Act ( FCRA ), I am entitled to timely response from your bureau. Please take notice that I must receive a corrected copy of my credit report with the changes I have outlined within five ( 5 ) business days from receipt of this letter, or I will be forced to take legal actions under the FCRA, seeking damages for loss of credit and for the mental anguish your bureau has caused me. Because of your violation of the FCRA 's time frame on such timely responses, it is safe to believe that the information I have disputed has been corrected and all negative data have been removed from my credit report. I have also attached an invoice for the violations your company committed by continuing to report this account. Payment is to be remitted to the address on the invoice.
Consumer complaint received 2024-05-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (OR)

MCM Management keeps calling and harassing me, including sending me letters threatening to sue. Solicitations started XXXXXXXX XXXX XXXX ( approx. ) XXXX XXXX keeps calling and leaving messages trying to collect an old debt that I obviously can't pay, otherwise I would have paid it.
Consumer complaint received 2024-07-13
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. (NC)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 



.
Consumer complaint received 2024-07-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-05-16
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. (FL)

I have been a victim of XXXX XXXX. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-05-16
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. (TX)

In accordance with the Fair Credit act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Some of these accounts are a result of identity theft and a report is added to this complaint. 

Account name : XXXX XXXX XXXX XXXX XXXX 

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 an account without my written instructions.

15 USC 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.

These inaccuracies are hindering me from getting a new apartment and I need to move in two weeks. These inaccuracies may cause me and my family to be homeless if they are not removed from my report in a timely manner to allow me to get approved for an apartment.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (NJ)

Wayfair is aware of the problem, because they are the problem. I changed my number late XXXX..they claim they couldn't access they account to take or make a payment until new number was verified. They claim i had to wait to receive a reference number in the mail which to this day a year later has never been received, so for XXXX months I was not able to make a payment & Wayfair notated my account regarding the issue, Citibank verified this was notated but they lied & reported me to the credit beraue as being deliquent for those XXXX months hitting me with late fees but notating the credit for the late fees once account was able to be accessed. My XXXX XXXX was XXXX by XXXX and now has been greatly damaged mainly by Wayfairs lies about me being deliquent when I & them were locked out of account. It took for a supervisor at Citibank to take my payment finally on XX/XX/XXXX to pay off what was owed before being locked out with the late fees. I have been asking them to fix this problem with reporting the account closed, when it was paid off since XX/XX/XXXX & they owe me a credit since I paid off the account which I have not also received since I paid off the account. They now claim I have to wait to recieve a letter in the mail just for them to justify the damage they did with their lies which was suppose to have been sent out back in XXXX of XXXX & that also has not been received in the mail. This company acts like they can't send me these requests through an email like they do everything else, including their sales & promotions. They also rudely over the phone said they were not opening up another account for me even thought the mistake & lies & damage was all done on their end/ part. 
I WANT THEM TO FIX MY CREDIT REPORT! THEY CLOSED THE ACCOUNT IMPROPERLY. IT WAS PAID OFF PLAIN & SIMPLE SO THAT IT CAN BE CLOSED. STATING THAT IT WAS CLOSED LOOKS LIKE IT WAS XXXX XXXX  TO THE CREDIT XXXX
Consumer complaint received 2024-05-16
Product: Credit card — General-purpose credit card or charge card
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. (FL)

My payments are always made on time ; I'm absolutely sure of this. However, I'm unsure why this company is reporting me as late for certain months, which is incorrect. According to USC 1666b, any billing errors should be rectified, or they'll be liable to pay me {$1000.00} for each account reporting inaccurately.
Consumer complaint received 2024-05-15
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. (FL)

in According with the fair credit reporting act.the account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I have every right by law to eliminate these accounts from my credit that affect without reason, I believe that these companies have incorrect information that I would like to remove from my credit report I dont recognize those hard inquiries that show bellowl ; 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 2024-05-15
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)

I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.
Consumer complaint received 2023-11-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (KS)

I requested a refund request for payments made during the pandemic. My loan balance increased by approximately {$900.00}, reflecting the refund amount requested ; however, it's been over 1 year and I still have not received the refund from Edfinancial. I have contacted customer service many times since trying to get additional information and my refund. Most of the time the response is akin to " We'll look into this '' but I have yet to receive any actual useful response or information. I have verified they have my correct name and address several times.
Consumer complaint received 2024-05-15
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. (NV)

Unauthorized Hard Inquiries on my both experian and XXXX credit reports as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX