davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-22
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. (NY)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

Back in XXXX, For about 30 days my wife had me listed as an authorized user on her XXXX XXXX. When I saw that the account showed up on my credit report I asked that I be removed. I was removed in XX/XX/XXXX. XXXX has confirmed that I have been removed and provided me with a written letter that confirms my cancellation date of the authorized user privileges. Ive reached out to Experian 6 times and provided them with a copy of the letter stating I was not an authorized user and asked that they investigate and update my report. To date all of their customer service representatives have refused to adjust the my credit report. The card in question is still open under my wifes name. Ive been removed as an authorized user on the XXXX side. I am not sure why Experian is still reporting this as an account that Im associated with.XXXX and XXXX both have the account closed or removed from my credit report.
Consumer complaint received 2019-04-26
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/XXXX I received a check for a truck I sold, drawn off Bank of America in the amount of {$12000.00}. I went to cash the check at the branch located at XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX, and was told they would not cash the check. Because I was not a client, they told me I could open a " new '' account, but there would still be an extended hold on the check since it would be considered new. Why would a bank place a hold on their own check? I was also told I could go to my own bank, if I had a bank account, and deposit it there. I was at the branch location for at least 45 minutes and spoke to several bank employees but no one could assist me. I then tried to call the B of A headquarters number, XXXX XXXX but was not able to get through since I was not a current client. If you are not a current client of B of A, there is no way to reach their headquarters since they ask for account numbers, debit card numbers etc.. I had a friend of mine call the " headquarters '' number since she banked there, and was then directed to a call center in XXXX Arizona and she spoke with a XXXX. She presented him with my scenario and was told that back in XXXX of XXXX, B of A had changed their policy and would only cash checks for non customers up to {$4000.00}. She then asked if a check was over {$4000.00}, could the remainder be given out in a cashiers check. She was told no. There was no other alternative other than depositing it into my current bank account at another bank or opening an account at B of A. When she persisted in asking as to the rationale for this decision, not one could be given. B of A stated that XXXX Bank had implemented this policy and B of A decided to follow suit. This is quite discriminatory and forces a non customer with no bank account to open one. How is this legal?
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2024-05-15
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. (TX)

fcra and ftc violations, 15 u.s code 1681a ( 2 ) ( A ) ( i ) ,15 u.s code 1681e ( b ), 15 u.s code 1681i, 15 u.s code 1681i ( 5 ) ( a ) ( i ), 15 u.s code 1681 c-1 violation, 15 u.s code 1681 c-2, 15 u.s code 1692g validation of debt requested multiple times requested copy of the application for credit on the accounts listed, requesting copy of cardholder agreement or contract and any amendments that may have been made thereto as this will show what the terms of the contract are so i can see exactly what you are pursuing and the amount that you are trying to collect from me. a copy of the full purchase agreement between you and the original furnisher or furnisher in chain, so that i can be sure that you have the proper legal capacity and authority to collect this alleged debt that you claim that i owe you. as you can surmise, i have never done any business with you.
Consumer complaint received 2024-05-15
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. (FL)

I am writing to please delete the following information from my file. the items i needed are listed in the reported, i am a victim of identity theft and i did not make the charge. i ask the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and also have enclosed copies of the federal trade commision affidavit please deleted the items as soon as posible
Consumer complaint received 2019-04-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Recovery Systems, Ltd (CA)

On XX/XX/2017 I was transported via ambulance ( XXXX XXXX, Incident # XXXX ) from XXXX XXXX in XXXX where I was working and had an accident, to XXXX Hospital in XXXX, Ca. This is a workman 's comp issue and I have been receiving bills ever since even though I have forwarded the bill to my attorney 's, XXXX XXXX directly and XXXX XXXX Insurance. I have not been turned in to collection and it has affected my credit score. This is not my bill. My attorney 's say they are forwarding it to the XXXX Administrator but it is not getting paid. 
XXXX XXXX XXXX, XXXX is now trying to collect this debt which should not be my responsibility. I do not consent to this debt as my responsibility or that it has been turned into a debt collector. 
My credit has decreased 13 points in the last few weeks and I do not consent to this occurring. My employer / XXXX XXXX XXXX XXXX ; my attorney 's / XXXX XXXX
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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 2024-05-15
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)

I am writing this letter to convey my deep dissatisfaction and disappointment with the manner in which your bureau has responded to my identity theft complaints. This issue encompasses not just the theft of my personal data but also the apathetic approach exhibited by your bureau in managing my situation. I provided all the necessary documentation such as the FTC report I filed with Federal Trade Commission to prove my innocence and the criminal nature of the actions. Despite the gravity of the situation and the profound impact it has had on my life, the response from your bureau has been alarmingly lackluster. I have received minimal communication regarding the status of my disputes, and the responses I have received were generic and unhelpful. This lack of attention and urgency has left me feeling ignored and abandoned by the very institution I relied upon to protect my credit and financial well-being. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (GA)

On XX/XX/2016, this debt for {$650.00} appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a )  ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

Upon inspection of my credit report, I noticed the following personal information is incorrect : My Name Is Being Reporting Incorrectly on My Credit Report : There should be no other names listed on my credit report. Please see the attachment for the correct spelling of my name. 
Please remove all incorrect names that remain on my credit report immediately. 


My Current Address Is Incorrect on My Credit Report : The incorrect addresses reported on my credit report are undeliverable and I don't have access to them. Please see the attachment for the correct address. 
Please remove all incorrect addresses that remain on my credit report immediately.
Consumer complaint received 2024-05-15
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. (CA)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
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. (IL)

I consistently make timely payments. I'm certain about this. What I'm unsure about is why this company is reporting me as late for certain months, which shouldn't be the case. According to USC 1666b, any billing errors should be corrected, or they'll be liable to pay me {$1000.00} for each account reporting inaccurately.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION (PA)

There was multiple accounts in my name with Navy federal that I did not open that was fraudulent. The total balance for all the accounts was {$4000.00}. I noticed this on my credit report and every time. that I disputed with Navy federal they want to take so long getting the job done that they reported back to the Credit borough of being in mines so they can have more time with it because the three credit Credit Bureau Only allow 30 days and they dont allow any more time which is fine with the company Navy federal they taking longer to do the investigation and reporting back to the creditors that the account is mine because it need more time. I just want this removed off of me, mess up and things like that.
Consumer complaint received 2024-05-15
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)

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2019-04-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: TD BANK US HOLDING COMPANY (NJ)

XX/XX/2019 TD bank called my estranged sister in XXXX Fl. I live in NJ that person disclosed all information, amt that I owe and. date that I stopped making pymnts. My privacy has been violated. Im completely humiliated and ashamed I have several medical conditions and this just caused stress that is adding my condition
Consumer complaint received 2024-07-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

There have been some withdrawals from my account from XXXXXXXX XXXX in different amounts on different days, that were not authorized by me. The total amount is {$2800.00}. I have asked Bank of America to have the camera footage pulled to view for evidence that it wasn't me. But they keep saying that the charges were authorized by me or made by someone who has permission to use the card or account. Which is not true at all. Someone stole my information and took money from my account. Nothing was ever authorized. They claim my card was used. My card had to have been duplicated and my pin number was stolen. 
The claim number for this complaint is XXXX, with Bank of America
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the XXXX XXXX XXXX. This statute, an integral component of the XXXX Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2015-07-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (GA)

( 1 ). My original loan on the the house I purchase was a predatory loan. 
( 2 ). At the original closing, the monthly mortgage was established on income from the previous state of residence, not the present state of where the house resides, where we are now. 
( 3 ). At closing the interest rate was in increase unexpected at the last minute / at the closing table to me the buyer. I was forced to take the offer coming from the State of XXXX to XXXX or be homeless. There was no family to rely on in the new state. All my furniture was setting in front of the property with no where else to go or be homeless. 
( 4 ). My loan was out side of the 31 % guideline mandated by federal standards after several modification attempts to lower the monthly mortgage payment. 
( 5 ). XXXX XXXX / Mortgage company waited a whole year before establishing escrow on the loan after modification, abruptly increasing the monthly payment to an additionaI {$600.00}. Escrow should have been calculation from the onset of the loan. 
( 6 ). Previous modifications never really made mortgage affordable, only a {$20.00} reduction in payment, so escrow arearages, interest, penalties, late payments made it very difficult to make the monthly mortgage, forcing possible foreclosure a present. 
Have supporting documentation of above issues
Consumer complaint received 2019-04-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (TX)

Phoenix Financial Service is a debt collector for a Consumer called XXXX Hospital XXXX ( which is XXXX Hospital ). I had a debt in XX/XX/XXXX with XXXX XXXX for {$100.00} & {$41.00}. This debt was on my credit report. On XX/XX/XXXX I called Phoenix Financial at ph # XXXX which they agreed to give me a discount amount of {$73.00} to bring the balance to {$0.00} and erase it from my credit report per the representative. On XX/XX/XXXX I paid {$73.00} Confirmation # XXXX which made the account paid in full. On XX/XX/XXXX I received a credit alert to check my account immediately. Phoenix Financial had placed another debt on my credit for {$160.00} as of XX/XX/XXXX. I called Phoenix Financial at XXXX spoke to a representative by the name of XXXX or XXXX XXXX. i explained to this representative that i paid this debt in XX/XX/XXXX for a discounted amount of {$73.00}. Per the representative yes they did close that account as paid in full but they noticed another outstanding debt of {$160.00} from doctor XXXX or doctor XXXX on XX/XX/XXXX service rendered in an emergency room but he could not tell me the hospital name. I explained to the representative, there was no bill sent to my address and that isn't my doctor and wasn't seen by no doctor during that time. the representative said that i was treated for XXXX  in an emergency room but he couldn't tell me the name of the hospital. The bill that i paid this Debt collector Phoenix Financial for services rendered in XXXX with XXXX Hospital of {$73.00} was for XXXX. per my credit report, Phoenix Financial placed this debt of {$160.00} as late payment or no payment ( not sure what it was listed ) for the month of XX/XX/XXXX on my credit report. How can a debt owed in the same month ( XX/XX/XXXX ) is reported in the same month to the Credit Bureau? Phoenix Financial is reporting a debt on XX/XX/XXXX ( that a bill that was never sent to my address in XXXX but per the representative they mailed the bill in XX/XX/XXXX three or four years later ) but yet they showed the debt being delinquent in XX/XX/XXXX on my credit report. Isn't that against the law and is fraud. I called XXXX  Credit Bureau dispute center at ph # XXXX, per representative this debt will be removed since already paid. I asked the representative with XXXX how to prevent this Debt Collector from placing another bogus debt on my credit report? per XXXX representative, i need to file a complaint with the Federal Trade Commission. Can you please help me with resolving this issue and contact Phoenix Financial to inform them that this is fraudulent?
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.