davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (TX)

I WAS ON A PAYMENT PLAN WITH THE MORTGAGE COMPANY AND WHEN I CALLED TO MAKE MY PAYMENT IN XX/XX/XXXXAND WAS TOLD THAT I DIDNT HAVE TO MAKE THAT PAYMENT BECAUSE BECAUSE THEY WERE GIVING ALL THERE CUSTOMERS 3 6 ARE 12 MONTHS DISASTER FORBEARANCE DUE TO HURRICANE HARVEY. I WAS GIVEN A 6 MONTH FORBEARANCE WITH NO PAYMENT, BUT INFORMED THEM THAT I WOULD PAY XXXX A MONTH INSTEAD OF NOTHING. I WAS TOLD THAT AFTER THE FORBEARANCE THAT I WOLD RESUME THE REGULAR REPAYMENT PLAN ARE THE WOULD EXTEND THE FOREBEARANCE AN ADDITIONAL 6 MONTHS. AT THE END OF THE FOREBEARANCE I CALLED TO MAKE THE PAYMENT AND INQUIRED WHEN WOULD I RESUME THE REPAYMENT PLAN ARE IF THEY WERE GOING TO EXTEND THE FOREBEARAC E. I WAS INFORMED AT THAT TIME THAT NONE OF THAT WOULD HAPPEN, I HAD TO BRING THE LOAN CURRENT, ENTER INTO A NEW REPAYMENT PLAN THAT WOULD DOUBLE ARE BE FORECLOSED ON. I THEN INFORMED THEM OF WHAT I WAS TOLD AND WAS TOLD THAT WHEN THE FOREBEARANCE WAS GIVEN THE INVESTOR DIDNT KNOW WHAT THEY WERE DOING AND THAT THERE WAS NOTHING I COULD DO. I WAS THEN TOLD THEY WOULD GIVE ME A FLEX MODIFICATION, WAS CALLED ON XX/XX/XXXX AND WAS TOLD THE MOD WAS APPROVED AND I WOULD RECEIVE PAPERS IN THE MAIL. ON XX/XX/XXXX I RECEIVED AN EMAIL SAYING THE MOD WAS DENIED. I THEN NOTIFIED THE LENDER ONXX/XX/XXXXAND WAS TOLD THEY DIDN'T KNOW WHAT I WAS TALKING ABOUT AND THAT IT WAS A FRAUDAUNT CALL. I AM SO CONFUSED, BECAUSE THE CALL DID COME FROM THEM AND I CALLED THEM BACK ON THE SAME NUMBER THEY CALLED ME FROM. THEY FINALLY SAID THEY CALLED ME, BUT SPOKE WITH AN ANSWERING MACHINE. NO, YOU SPOKE WITH ME. I WAS THEN CALLED BY ANOTHER REP AND WAS TOLD THEY HAD USED THE WRONG APPRAISED VALUE TO DO THE MOD AND THEY HAD COME UP WITH ANOTHER VALUE, BUT I HAD TO PAY XXXX  FOR AN APPRAISAL TO GET THAT OTHER VALUE, BUT WAS TOLD THEY MAYNOT USE THAT VALUE. WHY TELL ME THAT THEN. I WAS THEN TOLD THEY WOULD SEND A NEW MODIFICATION PACKGAGE OUT FOR ME TO FILL OUT TO DO A DIFFERENT TYPE OF MOD AND AS OF TODAY XX/XX/XXXX I STILL HAVE NOT RECEIVED IT. REACHED OUT TO THE LENDER AGAIN INREGARDS TO THE MOD PACKGAGE AND WAS TOLD BY A REP THAT WAS NOT AN OPTION FOR ME. REACHED OUT TO FREDDIE MAC THE INVESTOR AND WQAS TOLD THEY WOULD REACH OUT TO THE SERVICER TO GET ME A PACKGAGE OUT. THESE PEOPLE ARE SO RUDE AND NOONE KNOWS WHAT THEY ARE DOING AND EACH STORY IS DIFFERENT. PLEASE HELP ME, I DONT WANT TO LOSE MY HOME, ALL I NEED IS ASSISTANCE FROM THEM TO MODIFY MY LOAN AS PROMISED IN THE BEGINNING
Consumer complaint received 2024-05-02
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 hope this message finds you well. I am writing to follow up on my previous attempts to address the issue of late open accounts on my credit report. 

Despite my persistent efforts and numerous requests, the necessary corrections to the late open accounts have not been made. This inaccuracy continues to affect my creditworthiness and financial standing adversely. 

I urge you to prioritize this matter and take immediate action to correct the opening dates of the accounts in question. Ensuring the accuracy of my credit report is crucial for maintaining my financial integrity and credibility. This accounts should be corrected right away : XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

There are inquiries under my name that are a result of Identity Theft in which I have no direct engagement. I have already filed the proper documentation for these and have sent it to the bureaus but they did not remove them. 
Please see the attached documents for these inquiries I am complaining
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

Any information that are inaccurate and/or outdated must be deleted immediately from my credit report as they are not reportable as per the FCRA since they are inaccurate. 


INCORRECT ADDRESS, PLEASE DELETE THIS FROM MY CREDIT REPORT! 


XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX
Consumer complaint received 2024-05-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (WA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXXXXXX 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 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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


Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-02
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)

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

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-02
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. (CO)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-05-02
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)

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

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-02
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. (GA)

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. I HAVE NO KNOWLEDGE OF THESE ACCOUNTS OPENING WHAT SO EVER. I HAVE NOT SENT ANY PERSONALS STATEMENTS STATING THAT I AGREED TO THE HAVING ACCOUNTS OPENED. THE ACCOUNTS ARE FRAUDULENT. and further litigation will follow if accounts are not deleted.
Consumer complaint received 2024-05-02
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 disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score (, XXXX XXXX XXXX XXXX, XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

All listed accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

-XXXX XXXX XXXX XXXX XXXX Monthly payment {$0.00}, Balance {$2300.00}, high balance {$2000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX, Balance {$0.00}, High balance {$5000.00} -XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance {$25000.00}, high balance {$26000.00} -XXXX XXXX XXXX XXXX XXXX Balance {$0.00}, High Balance {$200.00} -XXXX XXXX XXXX XXXX, Original Creditor XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$5900.00} ( Debt sold listed multiple times ) XXXX XXXX XXXX XX/XX/XXXX, Balance {$0.00}, Payment {$3800.00} incorrect balance -XXXX XXXX XXXX XXXX Balance {$0.00}, Payment {$2700.00} incorrect bal XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance {$0.00}, Payment {$95.00} incorrect bal XXXX XXXX XXXX XXXX, {$15000.00} incorrect balance ~All balances are inaccurate and inconsistent~ I was able to review my credit reports on XX/XX/XXXX and noticed several things are incomplete and inaccurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681e ( b ). Also, according to 15 USC 1681 they are supposed to do this ( XXXX ) treatment of inaccurate of undeliverable information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. ()

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of XXXX, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2016-10-25
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CA)

HAS A DANGEROUS AND INSECURE TELEPHONE BANKING PRACTICE THAT REQUESTS ATM CARD OR BANK ACCOUNT NUMBERS THAT CAN INTERFERE WITH DRIVING, AND ARE INSECURE, AND ALSO COULD NEED TO BE MODERNIZED WITH VOICE COMMAND PER THE USE OF XXXX, " SAFE CALL '' PROTOCOL, XXXX. XXXX REQUIRES FAIR MARKET RESEARCH PAYMENT FOR USE OF ANY OF THESE VALUABLE RESEARCH RECOMMENDATIONS.
Consumer complaint received 2024-05-31
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. (TX)

PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TN)

The following credit inquiries were placed on a credit report from XXXX on XX/XX/2024, and XX/XX/2024, which was not authorized. 
An XXXX  complaint was filed with the complaint number # XXXX.
Consumer complaint received 2023-11-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (WA)

I've requested a student loan refund of over {$2000.00} back in XXXX. It's now XXXX. I still haven't received my refund in the mail. They've supposedly sent a check in the mail to my address and I never received it. 

Earlier in XXXX, I sent a complaint ( ID : XXXX ) on the CFPB and they said they would do a research request to figure out what happened and found that the check hadn't been cashed out. So they said they would send in a new check to my address. 

I STILL HAVE NOT RECEIEVD THE CHECK. They said they'd do a new request for a research, but at this point I don't believe them. They don't ever contact me with any status updates and I always have to call to check what's going on.
Consumer complaint received 2024-06-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

FCRA 605B appears to require the elimination of any inaccurate accounts from my credit report. Can you please examine the documents? Some accounts are reported inaccurately, with wrong amounts and dates.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MD)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX Whos studying XXXX XXXX finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-05-02
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2019-04-11
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. (GA)

According to the FRCA it is a violation to report monthly payment and payments on a closed account. Equifax refused to remove the accounts from my credit report. I have dispute letter and factual documentation. I have requested Equifax to remove the accounts. 

XX/XX/2019- Dispute letter and copy of credit report sent out to Equifax . 

XX/XX/2019- Dispute letter and copy of the credit report sent to Equifax . 

XX/XX/2019- I have sent out a copy of the credit report and dispute letter
Consumer complaint received 2015-05-26
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (FL)

I have submitted this claim previously : " I have a checking account and a savings account with Chase. I am a XXXX resident, I am a resident and citizen of XXXX. I stay in USA XXXX with my relatives and use their address as mailing address, but my permanent address is in XXXX. I submitted form XXXX stating that when I opened my accounts and Chase confirmed that they have this form in their system. However Chase withdrew about {$120.00} from both my accounts in 2015 as " Federal Interest Withheld '' although they were not supposed to do that because of my foreign status. According to IRS publication about foreign individuals ( http : //www.irs.gov/Individuals/International-Taxpayers/Income-Subject-to-NRA-Withholding ) " bank deposit interest that is not effectively connected with the conduct of a U.S. trade or business '' are not subjest for tax withholding. They are supposed to refund this fee when requested by the customer. However I contacted customer service and the branch office several times and they were only sending me back and forth without any real help. Please help me to refund this fee. " The bank responded that I have to submit a new version of XXXX form in order to proceed with refund. I have submitted it more than a month ago, however fees are still not refunded and bank is not responding to my inquries. I have attached a new signed form XXXX to this claim again.
Consumer complaint received 2024-05-02
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 have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.