davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-09
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. (FL)

I am writing to file a formal complaint against Experian, a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously deleted material into my credit report. 
I sent a letter to Experian notifying them of the reinsertion of XXXX XXXX XXXX XXXX XXXX account number XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). Experian has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations. 
Experian actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with Experian, they have neglected to take appropriate action, demonstrating a lack of accountabilitv and compliance with federal consumer protection laws.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-01
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: LOBEL FINANCIAL CORPORATION (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-08-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Zions Debt Holdings (ID)

This company purchased the debt from another debt collector who purchased it from XXXX in XXXX .... The company held onto the debt with out any notification until XX/XX/XXXX and then tells me I owe them interest ..... This is a scam. 

They should have provided immediate notification of buying the debt and pursuing charges. Instead they banked up and insane amount of interest and wait until the last 50 days before their final collection debt to attempt to collect it. 

I called the company and the Spanish lady was very arrogant and lippy. I explained the debt had been settled and they still advocating that I owe. She proceeded to over talk and use profanity in XXXX and hang up on me nearly 7 times when I called back trying to resolve this matter. Finally I got some English speaking guy explained it all and he is sending me some of the documentation. 

I feel a complaint needs to be longstanding against this company for the corrupt practice of harboring the debt allowing the interest to cascade and their license to operate in the state of Idaho revoked.
Consumer complaint received 2024-05-09
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. (TX)

After thoroughly examining my credit report, I've noticed several discrepancies in accounts, inquiries, and personal details that seem inaccurate and impossible to verify. Consequently, I'm seeking a fair and transparent procedure to rectify these issues and manage my credit file, personal data, insurance, and associated information. It's imperative that any steps taken are just and unbiased, maintaining confidentiality, accuracy, relevance, and lawful utilization of this data. Below are listed items that need attention in my credit file which needs to be remove or updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Late Date XX/XX/XXXX 120 days late XXXX XXXX XXXX Late 30 days XXXX XXXX XXXX XXXX XXXX 30 days XXXX XXXX XXXX Last Payment XX/XX/XXXX XXXX XXXX XXXX Last Payment : XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX
Consumer complaint received 2024-05-09
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 name is XXXX XXXX this complaint is not made in error neither is it being made by a XXXX  party. 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.
Consumer complaint received 2016-05-29
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: NATIONSTAR MORTGAGE LLC (TX)

Nationstar Mortgage claims XXXX XXXX XXXX transferred servicing of loan number XXXX to them. Loan number had a XXXX balance when XXXX XXXX XXXX transferred it. However, Nationstar indicated the loan was greater than {$80000.00} past due when transferred. 

On XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Loan XXXX reinvestigation indicates the loan balances are XXXX, date closed XXXX. Notwithstanding, the loan history does n't show any delinquencies after XXXX. 

Therefore, XXXX/XXXX/XXXX, the loan balance was XXXX as well. There was no balance due when the loan was transferred to Nationstar. At the very least, Nationstar 's transfer loan data should be the same as their predecessor 's. 

I 've been disputing this collection since XXXX XXXX, XXXX.
Consumer complaint received 2024-05-09
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 disputed XXXX XXXX  XXXX which is on my reports. They responded that they could not find an account in my name. They are all still reporting it even after this creditor could not find my name in their account. The complaint number is XXXX on your site. I want the inaccurate account removed from my consumer reports.
Consumer complaint received 2023-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (NY)

I have just discovered as of recently that I had fraudulent reporting information on my ChexSystems consumer report. 
I had false reporting inaccurate information reporting on my name due to having my personal information being compromised as a result of being a victim of identity theft. 

I obtained my report, contacted ChexSystems to dispute the inaccurate information. 
I contacted ChexSystems, followed their dispute process and according to the FCRA ACT I reported the fraud I discovered in the report. 

It dates back XXXX, and even XXXX years as it was not to my knowledge of these accounts even being in my name. 

I filed an FTC report, I also sent in the information to ChexSystems. 

Chex Systems continues to report false information on my consumer report illegally. 
They told me the date I filed the Police report, FTC reports were too far from the date of the theft. 

I was unaware of the theft until obtaining my report, so there was no way for me to have prior knowledge of this. 

Chex Systems are doing unfair practices that do not align with my rights as a consumer and are reporting fraudulent false information on my report.
Consumer complaint received 2023-08-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pickett Law, LLC (MD)

I moved to the property where I currently live in XX/XX/XXXX. In XX/XX/XXXX, I received a bill in the mail for water and sewer for the period of XX/XX/XXXX through XX/XX/XXXX. I paid this bill on XX/XX/XXXX. Also, in XX/XX/XXXX, I received a bill in the mail for water and sewer for the period of XX/XX/XXXX through XX/XX/XXXX. Again I paid this bill on XX/XX/XXXX. 

The water and sewer bills recommend to pay the bills on XXXX XXXX XXXX XXXX, XXXX. website. XXXX XXXX XXXX  website recommends to pay the bills through a third party which in my case was XXXX. I have the receipts of payment for both bills from XXXX 

Yesterday, I found in the mail a Notice of Intention to Create a Lien against my property from Pickett Law Firm. I first called Pickett Law Firm yesterday, It was after office hours. I did not get a chance to talk to anyone. This morning, I called again around XXXX XXXX Pickett Law. They put me on the hold until the call ended. I also reached out to XXXX XXXX XXXX XXXX XXXX  after the call to Pickett Law. The lady I spoke to, indicated that the issue is already at the Pickett Law firm level. So, they can't help me. I would have to contact the Pickett Law.
Consumer complaint received 2023-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

For the last 2 years I have been battling with Equifax to allow me access to my online credit report. They asked me to send in documents to verify my identity. I mailed the documents twice. I sent a copy of my driver 's license, my social security card, billing documents, and a letter. I also faxed it to Equifax. After all that I still do not have access to view my credit from their website and I'm still not able to get my annual credit report.
Consumer complaint received 2016-05-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (GA)

-Hello, my concern is my loan was transferred to Nations star XX/XX/2014 from XXXX , my loan was current at the time of transfer. The problem that i 'm currently having is Nation star continues to add extra fees with no fact onto my loan and this has increased my payment by over {$200.00} a month., when i ask them about it or to show me proof of this, then only send back the escrow analysis. I 'm sick of these lenders trying to get over on consumers. My Goal is to one day pay my mortgage pymt off not to pay for a CEO 's salary. This overage has been going on now for over 1yr without any break downs as to how they came up with this figure.. I have paid 3 times over XXXX that was included in my loan when XXXX had my loan I refuse to have this Happen with Nations Star.. I 'm a single parent trying to keep a stable home for my son and the extra fraudulent fees are keeping food from my table.. I would like a complete financial break down ( not an escrow analyze ) but a visual break down from the time N.S. purchased my loan from XXXX to current as to why you have added a shortage spread to my loan # XXXX. Why would I have a shortage Spread on a loan that 's current and was current when you purchased my loan from XXXX XX/XX/2014.. This complaint is for Nationstar and XXXX, There is no Shortage Spread Nationstar quit defrauding consumers!! I have reached out to Nationstar several times for an explanation but i only received the same Annual Escrow Account disclosure statement with no true fact.. HELP!!! PLEASE!!! 
Regards XXXX XXXX
Consumer complaint received 2023-08-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (WA)

I hope this message finds you well. I am writing to appeal the permanent limitation placed on my PayPal account with the email address XXXX. I strongly believe that this limitation was placed on my account by mistake, as I am confident that I have not violated any of PayPal 's policies. 

I have been a loyal and responsible PayPal user for several years and have always conducted my transactions with utmost integrity. I have never engaged in any fraudulent or suspicious activities that could warrant such a severe action. 

I kindly request that PayPal re-investigates my case and carefully examines the transactions and account activity that led to the limitation. I am confident that upon closer examination, you will find no violations on my part. I assure you that I always adhere to PayPal 's policies and guidelines. 

Having my account permanently limited has caused significant inconvenience and distress. It has also affected my ability to carry out essential financial transactions using the platform. I sincerely hope that you will consider my appeal and, if possible, restore my account to its previous status. 

I truly value the services that PayPal provides, and I am eager to continue using the platform for my online transactions. I am committed to resolving any issues that might have led to the limitation and ensuring that my account remains in good standing. 

I appreciate your time and attention to this matter and kindly request that you review my case at the earliest convenience. If you require any additional information or documents to facilitate the re-investigation process, I am more than willing to provide them promptly. 

Thank you for your understanding, and I look forward to a positive resolution to this situation.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

In XX/XX/2023, XXXX reported my loans to credit reporting agencies, at the time these balances were correct and accurately reflected on my report ( XXXX in loans ). My XXXX loans were transferred from XXXX to XXXX in XX/XX/2023. During this time, the balances of the XXXX loans were effectively reported twice, once by XXXX and once by XXXX ( so showing double the balance due ) on my credit reports. I didn't worry about this too much because I figured the XXXX balances would drop off eventually, since they were no longer the servicer for my XXXX  loans ( loans transferred ). Fast forward to eight months later, and the balances from XXXX are still showing on my credit report. My XXXX  loans have since been paid in full to XXXX. XXXX has reported the balances as XXXX, but because XXXX has not updated the report, my reports are showing that I still have XXXX in XXXX loan debt when I actually do not. I reported this to XXXX in XX/XX/2023, and they sent me a letter saying they completed an investigation and that the report was correct. I also reported this to credit reporting agencies in XX/XX/2023, and they also contacted XXXX who said the account was correct. I do not know who to turn to get my credit updated accurately. If you search this problem on the internet you'll find that there are many many other people in this exact same predicament. This should not be this hard, and there should not be so much pushback from XXXX loan servicers. My loans have been transferred from servicer to service XXXX times before and I have never had this issue with other servicers, instead of showing a balance the last status is transferred ( so the balance isn't counted twice ).
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: Resurgent Capital Services L.P. (MD)

To Whom It May Concern : I am writing in response to your reporting of a debt that you are trying to collect. On XX/XX/2024, you reported this debt to XXXX, XXXX, and XXXX, identifying it as verified debt owed by me.
Consumer complaint received 2024-08-07
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (IL)

Citi is charging interest after the Final payment was made on time and account was at XXXX balance for at least 4 days as you can see in the statement attached. Citi states they charge interest 30 days late. I never had to pay interest on any card after the final credit card balance was paid in full. Citi is calculating that total amount as if the account was not paid by the due date then adding that after payment as the interest charge. 

I called Citi 3 times # XXXX was hung up on after being put on hold # XXXX spoke with XXXX in XXXX, was put on hold for XXXX minutes after asking f or a supervisor, then hung up on # XXXX spoke with XXXX then transferred to supervisor XXXX in XXXX. he stated he can not remove interest, and that I signed the agreement so I requested that agreement that is signed.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

XXXX  card account number XXXX claim I made a late payment which in XXXX. I have disputed this twice because they have not been able to provide accurate documentation to prove how much I owed at the time of lateness and which month exactly I was 30 days late. They also report different months of lateness to all XXXX credit bureaus as showed in the attached document. They report a follows : XXXX : XX/XX/year> XXXX : XX/XX/year> Experian : XX/XX/year> XXXX
Consumer complaint received 2023-08-04
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX FIN XXXX, XXXX  XXXX XXXX and XXXXL XXXX XXXX have violated my rights. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as lateforanypurpose
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I recieved a 1099-C ( Cancellation of Debt ) for the following charged off account listed below. After checking my most current report on Experian and XXXX the updated information stated this account was still being reported. The account can not be reported as a charge off on my credit report. PLEASE CEASE THE REPORTING AND DELETE THIS ACCOUNT ..... 
XXXX ACCT # XXXX I ATTACHED 1099C, CREDIT REPORTING FROM EXPERIAN AND XXXX
Consumer complaint received 2024-05-09
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. (LA)

I'm experiencing distress, dissatisfaction, and stress concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WI)

Opened a line of credit in XXXX of XXXX to accompany a bank account I had with XXXX XXXX My account fell into the negatives due to fraud and due to the account falling into the negatives it delved into the line of credit. After the months of investigations and back and forths the account was allegedly closed and paid. I then received notification my line of credit was not closed, not paid and was charged off in XXXX of XXXX. 

Fast forward to this year, I am working on cleaning up residual negative remarks on my credit so I contacted XXXX XXXX to settle the account. After contacting XXXX XXXX in XXXX of XXXX I successfully made a settlement arrangement and then made the agreed payment to settle the account in early XXXX. 

Since making the payment, the balance on my credit report was updated to state another month was delinquent. I then called and asked to verify the account balance, and verify the payment was applied to the correct account ( despite the representative I made the arrangement with making the payment ) and they stated that there is no account active or in collections associated with me. They subsequently told me to dispute with the credit bureau. 

I then filed a dispute which was closed by XXXX XXXX  stating that everything is accurate on my report. 

I called again, spoke to XXXX departments stating that I had no account and had never had an account with XXXX XXXX  and again told me to dispute with the credit bureau. 

I then filed a dispute which was closed by XXXX XXXX stating that everything is accurate on my report. 

I called again and they told me my account does not be has never existed. 

I asked how is someone validating this debt to continually publish on my credit report with a balance even though no one seems to have any record of the account and I was not answered.