davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (NY)

In XX/XX/XXXX, i started working with an agent to help me sell my home through a short sale. We started the process with Shellpoint when I was made aware that town consider this property condemned and had scheduled for the property to be demolished XX/XX/XXXX. The reason I fell behind i was going to renovate the property and when the construction began i was advised that there was asbestos all through out the house. I then tried filing a claim through my insurance and they denied the claims. I was getting quotes from several for asbestos removal and the cost was to much for me to cover on my own and the insurance company wasn't willing to cover any of the cost. I could no longer live in the home due to the asbestos so i had to go find somewhere to live. I couldn't cover both the mortgage and rent. I since have been seeking a resolution with no end results. The short process started and an appraisal was completed. The negotiator and me where trying to get the property value as time was of the essence as the town had given me a deadline to get this resolved with Shellpoint by XX/XX/XXXX. The negotiator was told that the property value was {$3800.00} for the land value. He kept giving the run around stating that he would contact the investor which is XXXX XXXX. Then they came back with with a suppose value $ XXXX for a property that has no structure. I then contact XXXX XXXX and had a case opened and they told me the same that there is nothing they can do that the value is the value and nothing can be done about it. So at the end of it all nothing got resolved. The town will be demolishing the in XXXX and those expense will be on me and the the investor which i do not have the funds to cover a large expense. I just want to be able to sell this property and move on with my life.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

company is in violation of 15 usc 1666b per this violation please remove all negative remarks from my credit file and all other credit agencies on file asap. 

The negative reporting of this account is hurting my report and negatively affecting the ability of me being able to obtain credit. 

per CFPB this is a violation of my consumer rights and could be subject to daily fines for everyday this is listed. I am demanding the negative remarks be removed asap or I demand CFPB to fine them {$100.00} per day this is listed on my account and negatively effecting my profile.
Consumer complaint received 2024-04-12
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. (NV)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2023-12-29
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. (NC)

I am reaching out to you because of my concern for the accuracy and honesty of your company 's data. As per FCRA section 611, it is imperative that we have accurate records on file with those who rely upon them most- which includes not just customers but also potential lenders or employers. The inaccuracies that are currently on my report are having a serious negative impact to my quality of life. The data on my credit report is of high importance and is currently not a representation of who I am financially because its inaccurate. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 which states I have the right to privacy ( 15 USC 1681 ) and section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under law 15 USCS 1666b a creditor may not treat a payment on a loan account under an open-end consumer credit plan as late for any purpose or have unauthorized hard inquires on their report without consent from consumer.
Consumer complaint received 2024-05-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I consistently meet payment deadlines. I'm confident in this. What puzzles me is the company 's occasional late reporting, which shouldn't happen. According to USC 1666b, any billing errors should be rectified promptly, reflecting the agreed-upon payment status.
Consumer complaint received 2024-08-02
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. (LA)

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 {$140.00} OPENE XXXX, Account name : XXXX XXXX XXXX {$560.00} opened XXXX, Account name : XXXX XXXX XXXX {$580.00} opened XXXX, Account name : XXXX XXXX {$3200.00} OPENED XXXX, has violated my rights. 

I looked at my credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And 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 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any 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, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

In light of recent developments, it has been brought to my attention that the creditor failed to furnish the required XXXX-day notice along with a statement, which would have allowed sufficient time for payment processing and thus, prevented any late payments from occurring on these accounts. This oversight has led to a misrepresentation of the payment status, suggesting a billing error on the part of the creditor. 

In response to this discrepancy, I kindly request tangible evidence from the creditor 's bank account, demonstrating any instances of non-payment that purportedly resulted in the reported late status. This evidence is essential for clarifying the circumstances surrounding the alleged late payments and verifying the accuracy of the reported information.
Consumer complaint received 2023-12-29
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 credit reporting act XXXX XXXX XXXX Account # XXXX has violated my rights. 

In accordance with the credit reporting act XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2, also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-12-29
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. (VA)

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 NumberXXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX  XXXX Account XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a 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 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX has violated my rights. Or 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 2023-12-29
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. (NY)

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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-16
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. (NJ)

All three bureaus have different dates of last activity, last payment and THE PAYMENT HISTORY.Please terminate this account since the following information is erroneous and incomplete.High balance, balance, months reviewed, XXXX XX/XX/90 days late, date of last payment and inconsistent payment history across bureaus. Why do you have different information from the same creditor? 


Please refer to the screenshots below. I have highlighted all the inaccuracies in my consumer report.
Consumer complaint received 2023-12-29
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. (NJ)

Good day I am making a complaint concerning several accounts that have I have been disputing for a few years now. The creditors are XXXX XXXX XXXX, XXXX XXXX and XXXX which lists 3 separate accounts.I will start with XXXX XXXX  XXXX this account was actually removed from my credit report and blocked as a fraudulent item but all the credit beauru 's let them insert the information back with no fight and I have been told that there is nothing that can be down. XXXX XXXX and XXXX all they state is that the information has been verified as accurate and no further information has been given. I am now attaching a signed and notarized FTC affidavit along with a police report and I am again requesting that these items be removed from my credit report and please send an updated report showing that these items have been removed due to identity theft
Consumer complaint received 2024-08-07
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've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and address I do not recognize are continued here. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX Balance : {$1800.00}
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

I have disputed my Department of EducationXXXX accounts that are still appearing on my " Experian '' credit report. They are appearing as " open and with a balance '', when they should be appearing as closed/transferred and with a {$0.00} balance. This is causing my credit report to show twice the amount of money on student loans and it is affecting every aspect of my life in a very negative way. My debt-to-income ratio is not qualifying me for anything. I have disputed this XXXX times with Experian, have made phone calls them and submitted documentation from the Department of EducationXXXX as proof ( that accounts are closed and with XXXX balances ). They continue to ignore my request and report incorrect information on my credit report.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.
Consumer complaint received 2024-04-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc. (CO)

I recently reviewed a copy of my credit report in experian. I was shocked to learn that I have been a victim of identity theft. I found an account on my credit report that were not open by me. Please remove the fraudulent account from my credit report as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/20XXXX XXXX
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

I got an alert that a collection account was added to my credit report and upon reviewing it knew that it was incorrect. I filed a dispute and it was not removed. The account reads as " XXXX. XXXX XXXX '' and indicates that the original creditor is XXXX. It states the account was opened in XX/XX/2023. And it states that there is a past due balance of XXXX. All of which is false. I relocated to Missouri on XX/XX/2023. I signed up for XXXX but was unable to connect to my internet. I then contacted XXXX and requested service. I was told that there were no caps which was a lie. I agreed to internet and home security. I noticed on my bill that there were caps, canceled the service ( never installed or used/activated the security part ), and went with XXXX who came to my home via a door-to-door salesperson. I then returned all XXXX equipment and my XXXX XXXX account was hooked up. I had service in XXXX only- ONLY internet- and returned all equipment. Therefore it is impossible to owe a bill for a service I did not have. I called 3 times to disconnect and each time they kept trying to keep me as a customer. The XXXX time I made it clear NO. I have had XXXX XXXX every since. Therefore I can't have a bill from XXXX, and I do not owe them any money.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

Experian keep reporting the wrong personal information. They keep reporting an address that I have not lived there before that needed to be removed which is XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Az XXXX. I never lived there at all!
Consumer complaint received 2023-11-02
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 is my endeavor to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to an alleged extortion. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (AR)

I have had the same PNC account for OVER 20 YEARS ... ..several years back PNC had branches here n Arkansas but withdrew those branches which left me 500 miles away from the nearest PNC facility XXXX .so whenever I use my ATM card not only does the bank I'm using charge me a fee but my own bank PNC charges me as well!!!!! PNC HAS BEEN DOING THIS TO ME FOR YEARS THAT I WAS NEVER RE-IMBURSED FOR! Several months ago I called/complained and PNC started re-imbursing me every month for THEIR FEE PORTION ... ..up until this month when they refused to RE-IMBURSED me!!!!! It is not my fault that PNC discontinued service n my area so why I should I HAVE TO PAY MY OWN BANK FOR THIS EVERY TIME I USE MY CARD ... .AGAIN PNC HAD BEEN DOING THIS TO ME FOR LITERALLY YEARS so I would like an explanation please as the option to email PNC within my online account has been XXXX.
Consumer complaint received 2015-12-01
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (TX)

My mortgage was sold to Nation Star Mortgage servicing by XXXX XXXX XXXX ( XXXX ) After the mandated settlement with th US XXXX, Bank XXXX sold my loan. I have no chance of negotiating with XXXX XXXX XXXX - directly. XXXX purposely removed itself of responsibility once it settled because - the settlement did not require that XXXX keep the troubled mortgages -- THIS IS CALLED A LOOPHOLE. all the while hopeful homeowners were waiting for stipulations from the multi milllion dollar, XXXX sold our loans.Therefore once again finding a loophole to beat the system and not pay money back of help the consumerI have been trying to negotiate a reasonable mortgage payment since 2009.I have never accomplised the goel. 
XXXX bought my loan from XXXX in 2009. Realistically XXXX will never negotiate my mortgage because Bank XXXX XXXX in New York is true owner of my loan and multiple investors. Instead XXXX continues to lie year after year. 
This information is sent to XXXX credit reporting agencies and my credit score is very, very low. You see, I stopped paying the mortgage about 4 years ago because fo financial hardship. The payment that XXXX offered me as more than I was paying before I stopped paying them. 

Recently, I have rec 'd a letter from XXXX of Nation Star 's group of lawyersthreatening FORECLOSURE now.
Consumer complaint received 2024-04-12
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. (CA)

recently i had looked at my credit report and noticed several innaccurate information is reported on my account.this acccount is hurting my ability to obtain credit.it is my understanding that you will investigate these items for me to ensure accuracy .here is the item .i an asking you to verify as accurate : XXXX XXXX XXXX Acct # XXXX
Consumer complaint received 2023-11-02
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: CREDIT ACCEPTANCE CORPORATION (OR)

I do not consent to electronic communications. I request all responses be in writing through the USPS. Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below : CREDIT ACCEPTANCE CORPORATION XXXX