davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-24
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. (MI)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX ( Original Creditor : XXXX 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 an account without my written instructions.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AR)

IM A FRAUD VICTIM. I REQUESTED THAT THESE FRAUDULENT ACCOUNTS BE REMOVE, THEY SAID THAT IT WAS ONE OF 4 CHOICES, BASICLLY A GENERIC CODE TO TELL YOU THAT WE NOT TELLING YOU WHY WE AINT DOING THIS. SO THEY DID DO A REINVESTIGATION AND IT CAME BACK ACCURATE BUT ALL THE ACCOUNTS ARE NOT ONLY FRAUD BUT THE ACCOUNTS ARE OVER XXXX PERCENT INCOMPLETE.NO PAYMENT HISTORY, NO MONTHLY BILLING HISTORY, INCORRECT FIELD ALL OVER THE ENTIRE CREDIT REPORT. EXPERIAN CAME BACK AS CERTIFIED ACURATE. THE OTHER CREDIT BUREUAUS CAME BACK AS ACURRATE.I REQUESTED BEFORE AND IM REQUESTING NOW A REQUEST FOR METHOD OF VERIFICATION. HISTORY OF PAYMENT FOR THE ENTIRE TIME ACCOUNT WAS OPEN TO CLOSED. MONTHLY BILLING HISTORY FROM OPEN TO CLOSED ACCOUNT. I HAVE ATTACHMENTS. IF THEY DONT PROPERLY HANDLE THIS, I WILL GATHER ALL MY INFORMATION OF DATA THEY SENT TO ME TELLING ME FALSE NARRATIVES AND I WILL FILE AND SEEK A CIVIL SUIT AND FILE LITIGATION.
Consumer complaint received 2024-05-04
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. (MI)

Bankruptcy records are not accurate and can not be verified. Delete this fraudulent bankruptcy record, as I have disputed the accuracy numerous times, yet it remains on my Experian and XXXX credit reports. If accuracy is the main purpose of you so called bureaus, Then fall in line with XXXX and their thorough investigation that lead to deletion of said bankruptcy public record. Also, a violation of privacy, defamation to my credit stance. I was able to get approved for housing this time last year. Currently, my credit score is super low due the inaccuracy of XXXX and Experians ability to conduct proper investigations. I am not requesting any more investigations as they dont work to resolve inaccuracy issues and concerns. Please delete this XXXX.
Consumer complaint received 2024-05-07
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: OneMain Finance Corporation (OH)

I tried to contact one main multiple times about the secured interest ( XXXX XXXX XXXX ) on the loan to do a voluntary surrender, kept getting lied to and told they are not coming to pick up the secured interest, then later on would not release the lien on the vehicle for me to sell so I could repay the loan. When trying to make payment arrangements for less amounts i was told I could only do their amount or none at all. Made multiple efforts to rectify the situation to no avail. Now they are sueing me for the full amount of the loan and saying they will get the truck after the judgment was rendered in their favor. I told them that this is predatory lending and they hung up on me.
Consumer complaint received 2024-06-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IL)

Commencing on or about XX/XX/year>, I fell victim to two multi-layered scam operations run by XXXX XXXX XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my XXXX XXXX  XXXX account to Chase Bank at the instructions of the scammers.
Consumer complaint received 2024-05-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (SC)

CREDENCE RESOURCE MANAGEMENT is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE MANAGEMENT is a debt collector. They are falsely reporting to my credit! 
Account # XXXX are falsely reporting to my credit file and are against my rights and fair credit act. Under 15 U.S. Code 1681d - Disclosure of investigative consumer reports ; you are in violation. I have attached the definition so you can see the violation! ( a ) Disclosure of fact of preparation A person may not procure or cause to be prepared an investigative consumer report on any consumer unless ( 1 ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested.
Consumer complaint received 2024-08-05
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)

My account with with those was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-05-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (CA)

i have submitted to them all documentation of the Federal Student Aid telling me the loan has been Forgiven. i have given them documentation of XXXX XXXX Showing loan paid in full. i have sat on the phone for hours speaking to both Mohela and Federal Student aid. on the Federal Student aid website i submitted a complaint attaching all documentation. They closed my complaint stating resolved. the loan is still duplicated and going up with interest. mohela said they would close the loan once Federal student aid sends them a letter. No one is helping me at all. both XXXX XXXX  and Mohela are listed on my Federal Student Aid account. its plain to see its duplicated. they will not fix this error. my loan was through XXXX. then i consolidated the loan to XXXX XXXX. when XXXX lost the Lawsuit. our Federal Loans were Forgiven. XXXX XXXX took over the loan and has record subsidized loans paid in full. then Mohela came along and duplicated the loan demanding payment. Paid the personal loans off. i Need help.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (TX)

I am a victim of the XXXX XXXX XXXX credit breach and have been trying to get access to my Experian credit report and score for a month. There is no way to contact Experian other than XXXX, this is ridiculous and unprofesional and it is creating credit problems & barriers.
Consumer complaint received 2024-05-08
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: EQUIFAX, INC. (OH)

The following names needs to be removed as they are inaccurate and incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX The following " current addresses '' needs to be removed as it is inaccurate andincorrect XXXX XXXX XXXX XXXX XXXX, OH XXXX The following " previous addresses '' needs to be removed as it is inaccurate and incorrectXXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, MI XXXX The following " employer '' needs to beremoved as it is inaccurate and incorrect XXXX XXXX XXXX XXXX  Date Updated : XX/XX/year>
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This morning, I discovered inaccurate accounts on my credit report, and I'm unsure why. When I checked my credit report as usual, I found unexpected discrepancies. I attempted to refresh my browser to see if it was a glitch, but the inaccurate accounts remained. Due to this problem, I request a thorough review of the documents I have sent to resolve this issue permanently.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I was a victim of identity theft and I am currently in distress and suffering from XXXX  because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.
Consumer complaint received 2024-05-04
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. (IN)

I did not consent to, or authorize nor benefit from any of the following accounts and information. XXXX and remove it. Please also send me a copy of my updated report with the updated result of your investigation. These inquiries should also be removed.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2023-12-07
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: James E. Albertelli, P.A., a Florida professional association (NC)

I would like to inform you that I received this notice from your attorney on Friday, XX/XX/2023 via XXXX. Along with the notice was a reimbursement for my check I sent. The date on the check is for XX/XX/2023. However, the notice is dated XX/XX/2023. The letter states the amount of {$2000.00} does not resolve the balance. That is the exact amount that was stated in the first notice from your attorney. I called the number listed on the letter and I find it odd the number is disconnected. I called the number on the first notice and that was the law firm but it is the housing foreclosure department. The lady on the phone directed me to the correct department. Your onsite staff and now your attorney are running scams. Nothing on these documents sent by your attorney are legitimate. Nothing your onsite staff has sent me is legitimate. 

I have been locked out of my account so I can't see the total rent and utilities due When I ask your staff how much is due the amount changes every time When I try to pay via XXXX it's declined because I do not have access to the correct exact amount that is due. 

When I drop off a payment no one is there to accept it and there are checks falling out of the drop box When I mail a check to corporate it gets lost and not posted to my account Because I can't see the amount due because I am locked out of my online account, I have to wait for the 10 day notice By the time I am able to reach you all to pay what is listed on the notice you add additional fees No one will state what is actually included in legal fees. First you said legal fees were {$620.00} then you changed it to {$650.00}. 

I would like to know why the first notice received from your attorney on XXXX XXXX states I have until XX/XX/XXXX to pay or dispute the charges owed. The numbers listed are for the incorrect department. 

I would like to know why the check amount that I sent was reimbursed on XX/XX/XXXX and I didnt receive the check until XX/XX/XXXX, which was my last day to dispute or pay. Also, your attorney had my check in possession during my court date XX/XX/XXXX. 

I would like to know why I received my payment back on XX/XX/XXXX with a notice dated XX/XX/XXXX? The notice has a disconnected number. 

Additionally, I have been told since Monday that the attorney would reach out to me to answer the above questions. I called today Thursday, XX/XX/2023, and left a voicemail on the office number and cellphone number listed in the email the attorney sent me. I then received a call back stating that the attorney was proceeding to file the writ today. The attorney still has not sent me any sort of written documents.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Dovenmuehle Mortgage, Inc. (FL)

o whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. Between XX/XX/2023 and XX/XX/2023, your XXXX XXXX XXXX mortgage XXXX increased by {$1900.00} from {$320000.00} to {$320000.00}. account numbers : XXXX XXXX XXXX Please verify this information and correct the negative remarks as all payments have been made on time. Attached is a copy of payment transactions
Consumer complaint received 2017-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: NATIONSTAR MORTGAGE LLC (CA)

In XXXX I had a Chapter XXXX bankruptcy discharged. Since then my mortgage loan has been transfered a few times. When it was serviced by XXXX XXXX XXXX we were involved in a home loan modification to make a commitment to stay in our home and get current on our mortgage. The modification was approved XXXX XXXX. The modification re-financial structure constitutes in writing documentation that we are affirming our commitment to repayment of the mortgage. 

The reason for this complaint is to make Nationstar aware of the non-reporting to the credit bureaus for the past 15 months of all our timely mortgage payments. 

After speaking to the Bankruptcy department division from Nationstar who has recently changed their name to XXXX XXXX, I was told that I would have to re-open the bankruptcy and file a re-affirmation agreement and that I would not be given any retroactive payment history to the credit bureaus. 

I feel that my rights as a consumer and home owner have been severely effected by an error on Nationstar Mortgage now XXXX XXXX. Both myself and my husbands credit scores would have had an impactful positive reflection if there would have been reporting of our timely mortgage payments.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: FIRST ADVANTAGE CORPORATION (OH)

On my First Advantage background report, The State of Ohio in XXXX Ohio states I was a delivery driver from XXXX to XX/XX/XXXX, this is incorrect! I NEVER was a delivery driver for the state of Ohio I was a claimant Advocate for 2 years but that is all
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. ''
Consumer complaint received 2024-05-08
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: W&A Intermediate Co., LLC (MD)

I received a text message on XX/XX/2024 from the following number : ( XXXX ) XXXX. Claiming to be from a company called Wakefield & Associates. I believe the following message is a scam and they are trying to steal peoples personal and private information to steal funds and/or assets. The message stated the following : *insert photo image* Wakefield & Associates XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX, TN XXXX This private message is from Wakefield & Associates LLC ( Wakefield ) , a debt collector. 

Please review the contents of this message and any attachment ( s ) in private so that other people may not view it. The attached message is encrypted. 

To open your encrypted message : 1. Double click on the secure PDF attachment 2. When prompted for a password, please enter your 5-digit zip code to open the encrypted message. 

This is a post-only communication from Wakefield. Please only respond to this communication with STOP if you do not wish to receive communications via text message from Wakefield in the future. If you have questions or concerns regarding the communication or if you experience trouble opening the attached document, please call ( XXXX ) XXXX. 

This is an attempt to collect a debt. Any information obtained will be used for that purpose. This communication is from a debt collector. 

Sincerely, Wakefield & Associates , LLC. 

Then, I received an additional text stating XXXX A notice from Wakefield and Associates, a debt collector. Password is 5 digit zip code. Reply HELP or info or STOP to end. This concluded the whole text message I received. 

However, when I completed a reverse phone lookup the caller id stated XXXX, XXXX of XXXX, Wisconsin. This person is attempting to scam people out of money and their personal information. Please be sure that they cease and desist and their fraud operations are shut down. They are posing as a legitimate company. Thank you!
Consumer complaint received 2024-05-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.