davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-16
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. (GA)

XXXX Account Number - XXXXTo Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Consumer complaint received 2023-09-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (NY)

On Sat, XX/XX/2023 I deposited {$490.00} in a PNC ATM on XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As the ATM was counting the cash, it stopped in the middle, the screen said the transaction could not be completed and cancelled itself. 

PNC did not issue a provisional credit and has not provided a resolution.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Transunion shows a hard credit inquiry on my credit from XXXX XXXX XXXX I did not apply for any credit or loans with them or anyone else recently. The date shows as XX/XX/year>. I called XXXX XXXX, and they show no credit applications or anything for me. They advised me to dispute with Transunion, and Transunion advised me to dispute here.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NM)

I am formally disputing the inclusion of the credit card delinquencies from XXXX  XXXX XXXX and Capital One on my credit score, citing violations of the CARES Act provisions. These delinquencies arose during the COVID-19 pandemic, a time of significant hardship for many, including myself. Despite communicating my late payments to the creditors and explaining that they were due to circumstances beyond my control, such as a natural disaster, these delinquencies were still reported on my credit report. I believe that under the CARES Act provisions, which aim to protect consumers facing financial difficulties during the pandemic, these delinquencies should be removed from my credit report. It is essential that my credit report accurately reflects the challenges I faced during this unprecedented time and does not unfairly penalize me for circumstances that were beyond my control.
Consumer complaint received 2023-04-07
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-08-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

I am requesting debt validation, according to 15USC 1692G, I have no knowledge or contract agreement, nor provided anyone permissions to share personal information with Midland Credit Management, I am requesting wet signature and proper verification of this debt. This debt is violating my consumer rights.

1. Send full detailed list of payment history on this account 2. I want to see original signature that I agreed to on the contract for this creditor 3. Has there been any insurance claims filed on this debt 4. I want to see the chain of title you have on this debt
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (NC)

I purchased a car from XXXX XXXX XXXX, but they are no longer in business. A new company has taken over the loan Westlake Portfolio. My credit report is reflecting that I have two loans on the same car. I have requested documents from Westlake and I have yet to receive documents.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have worked with Transunion over course of several months to remove incorrect information from my report. Transunion indicated it was likely a transposition error from a creditor that caused collision between my credit report and another individual. Since this time I was able to dispute the individual collections from my account however new collections accounts continue to crop up which do not belong to me and are likely from the individual whom my account appears to be linked to. This collision is unacceptable and continued failure to address additional collections which are not related to me but to the other individual impacts my credit score and limits my ability to leverage good credit.
Consumer complaint received 2021-06-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have XXXX credit cards that I pay in full monthly that Im the authorized user on. Transunion is not reporting the information and removed the wrong accounts from the report. They refuse to re - add the information.
Consumer complaint received 2024-06-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

My information is not being accurately updated. I'm not sure on who's behalf in regard to XXXX ( loan company ). The balance is showing I currently owe {$4700.00}. I've paid {$2200.00} towards this account.
Consumer complaint received 2024-07-03
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. (MS)

I AM VERY DISPLEASED THAT I SEE MANY FRAUDULENT ACCOUNTS ON MY CREDIT REPORT.THIS IS REALLY DAMAGING MY CREDIT WORTHINESS. I AM TRYING TO BUY A HOME FOR ME AND MY CHILDREN AND THIS IS NOT FAIR. I HAVE TRIED SEVERAL TIMES TO GET THESE ACCOUNTS REMOVED. LET ALONE, MY INFORMATION WAS IN A EXPERIAN AND XXXX BREACH SOME MONTHS AGO SO I THOUGHT YOU ALL WOULD PROTECT MY CONSUMER REPORT. I DO NOT FEEL THAT MY INFORMATON IS BEING PROTECTED. THIS IS A DEFAMATIOM TO MY CHARACTERAND THIS IS A FEDERAL LAW VIOLATION.ACCORDING TO, 15 USC 1681 [ A ] [ 1 ] [ 2 ] [ 3 ] [ 4 ] MY COMSUMER REPORT FAIRNESS AND PRIVACY HAS BEEN VIOLATED. I AM UPSET! I AM DEPENDING ON THE BANKING SYSTEM AND CREDIT REPORTING AGENCIES TO PROMOTE MY PRIVACY AND FAIRNESS AND THEY HAVE NOT.THIS IS NOT RIGHT AND GOING AGAINST MY FEDERALCONSUMER RIGHTS. CAUSING EMOTIONAL AND MENTAL STRESS NOW.ALSO, IT IS ILLEGAL THESE COMPANIES SHOULD NOT BE FURNISHERS OF PEOPLES INFORMATION TO 3RD PARTYCOMPANIES ITS ILLEGAL, NEGLECT AND FRAUD. I HAVE ALREADY REPORTED THIS TO LOCAL POLICE AND FAIR-TRADE COMMISSION.THESE COMPANIES CAN BE SUED FOR DAMAGES.THIS IS NEGATIVELY AFFECTING MY LIVELYHOOD AND PUTTING ME IN A BAD SPACE. I FEEL YOUR DATABASE IS INACCURATE AND I AM FILING LIGATION AGAINST THIS IF THESE ITEMS ARENT REMOVEDIMMEDIATELY.
Consumer complaint received 2024-06-21
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. (SC)

I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me. 
For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ).

A copy of the records used to verify the cancellation of my accounts.

An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.
Consumer complaint received 2024-08-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BMO Bank, N.A. (CA)

on XX/XX/XXXX I noticed there was a XXXX balance on my account and I called customer service and they said my account was closed. so then I called the XXXX branch and spoke to XXXX and she said " we closed your account and i called you today '' and i let her know i never got a call. and then she said '' talk to XXXX '' and so I spoke to XXXX and she said '' XXXX said you were being rude to her and not a good experience at her branch '' and I told XXXX that u hadn't been in XXXX 's branch since XXXX and I didn't even visit that branch often. I mostly just call customer service for help. and also some XXXX XXXX XXXX lied that I failed security verification and I had to step in the branch at downtown XXXX XXXX multiple times and the branch XXXX told me '' we don't see anything wrong, we are not sure why customer service told you that '' and then I also spoke to XXXX a XXXX XXXX XXXX XXXX who admitted '' these XXXX you spoke to wrongfully put these notes in your account, let me remove and fix this for you '' so then after explaining all this to XXXX, she said '' your welcome to open a new account with us if you want, I will allow it '' note that XXXX XXXX is a XXXX  XXXX for bmo. then when I step in the XXXX bmo they tell me they need to get XXXX XXXX verification but XXXX  never gave them any reply for days. XXXX and XXXX are dishonest and wasting my time. there is still some refunds incoming which I need and there is also a dispute ongoing for {$110.00} against XXXX. I am needing these amounts back to me.
Consumer complaint received 2024-06-21
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. (MO)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$30000.00} XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX MOT XXXX Balance : {$0.00} Bankruptcy Chapter XXXX XXXX Date Filed XX/XX/year> Docket Identifier XXXX
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TomoCredit Inc. (AZ)

Tomo Credit boost is a credit builder company where they use your bills to build your ceedit score. The company receives two months worth of payments from me. Yet did not report any activity to my report. Which was stated to be a trade line for XXXX dollars. Nothing was ever reported to my reports. I contacted the company numerous times asking why my report was not reflecting any of my payments or history, that the company includes at their own leisure to consumers. A previous 24 months history. The company stated that they reported everything to the bureaus and the bureau never posted them and it can take months to be posted. Which is false. I had a student loan that was given the same month it was posted to my credit report. And yet this company still had not reported anything to my credit report. I spent XXXX dollars for two months and the company is refusing to reimburse me for a service that was never rendered. My legal advisor sent a letter to the company to which them nor their representative contacted me as advised. Nor refunded me. Also I submitted a complaint to the Attorney Generals Office over two months ago with no response being had from the business yet.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In XX/XX/year>, XXXX XXXX, my mortgage servicer, experienced a significant data breach. This breach led to extensive disruptions in their systems, severely impacting their ability to process payments and communicate effectively with their customers. 
Unfortunately, I was among the many affected by this breach. This Breach has led me to be the victim of inaccurate reporting to the credit bureaus. Prior to the data breach, I was current on all my payments until this point, but there was a considerable delay in processing my ( or any ) payments. After paying in XXXX, i decided to utilize the XXXX  XXXX forbearance plan option, which requires my account to not be reported as late to the credit bureaus. Despite my adherence to the agreed-upon plan and my best efforts to ensure timely payments, these delays resulted in my payments being reported as late. They again, falsely reported my account late a few months ago, although my payment was given to them, for this I have proof through my bank statements. 

These have been XXXX late reporting 's, without ever even reporting a 30 day late. I don't know how that's even possible.
Consumer complaint received 2024-07-03
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. (FL)

I submitted a dispute on XX/XX/year> for up to {$1000.00} for Experian violating the FCRA by reporting inaccurate information on my credit report. In the response, Experian stated that it once again contacted the vendor who they refuse to name.I have attached a copy of my request from complaint # XXXX. I did not request a reinvestigation and Experian is intentionally ignoring my request. I am now requesting up to {$2000.00} in accordance with the FCRA for this second violation. I DO NOT wish a re-investigation. This is a complaint for violating the FCRA regulations.
Consumer complaint received 2024-08-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (AZ)

I own a condominium in XXXX, Florida. 
I have a mortgage with Mr. Cooper, loan XXXX. 
I have to maintain flood insurance. The condominium complex, XXXX XXXX XXXX maintains and updates insurance every year. 
Recently, Mr. Cooper requested a copy of the updated flood insurance. 
I submitted documents via email XXXX times. I also had the insurance company directly submit requested information. 

I called Mr. Cooper literally over XXXX XXXX times and was never able to connect with a human representative. Mr. Cooper makes it impossible for a customer reach out to a human agent. 

My insurance agent also attempted to connect with a human representative at Mr. Cooper unsuccessfully. 

This is not the first time I have had difficulty

with Mr. Cooper. I suspect this type of business practice is unethical and may not be legal.
Consumer complaint received 2024-06-21
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. (IN)

Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Opportunity Financial, LLC (MO)

I am respectfully requesting a validation of debt, pursuant to 15 USC 1692g, alongside Anybody can do it a cease-and-desist proof of claim. Please provide proof of claim and demand to see and authentication contractual agreement that authorizes the legal or lawful collection of this alleded debt. Report inaccurate information on a consumer profile is violation of FCRA. This account was already removed from my transunion report but is still showing reporting on my XXXX. Pursuant to 5 U.S.C. 552a ( i ) ( 3 ), I am requesting that this disputed item be removed permanently from my credit report immediately. This statute states that any agency which fails to maintain any record with accuracy, relevance, timelines and completeness as is necessary to guarantee fairness in any determination shall not use such record.
Consumer complaint received 2024-07-03
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)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information accounts Consist of XXXX XXXX XXXX opened on XX/XX/year> account number XXXX, XXXX XXXX opened on XX/XX/year> account number XXXX, XXXX XXXX opened on XX/XX/year> account number XXXXXXXX XXXX XXXXXXXX opened on XX/XX/year> account number XXXXXXXX XXXX XXXX XXXX XXXX opened on XX/XX/year> account number XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Adjusters, LLC (CA)

I have no debt with the company who is reporting this debt NCA and they are reporting the wrong opened date it says XX/XX/2023 on my report and that is wrong requesting this be removed its against the law to report wrong info on a credit report
Consumer complaint received 2024-07-09
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I recently received a copy of my XXXX credit report and noticed Bank of America is updating monthly and reporting open accounts to XXXX in my name with a balance. I contacted Bank of America and XXXX multiple times and XXXX tells me the information they are receiving is coming from Bank of America and is 110 % accurate and Bank of America tells me they are not reporting anything to any credit reporting agency 's. it has been going back and forth, both blaming each other and when i call they say they have no record of me disputing anything, even when i provide the same confirmation number they give me.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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.