davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-12
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. (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 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.
Consumer complaint received 2021-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (AL)

Yesterday I tried to access my American Express Serve Account and could not gain access to my account info until I updated my old app to a new American Express Serve App with a different icon. 

My account was tied up all day. I prefer to keep my Main Account with a low balance to minimize unauthorized charges to my account.

I was needing to transfer funds in order to make plans for the day. I was unable to access my account all day and on the two occasions I could login the app just buffered and wouldn't allow a money transfer. I installed, Uninstalled and reinstalled this faulty App, nothing worked.

I called The Main Customer Service Dpt and also tried another 800 # that Dpt had shared with me the last time I had a serious problem with my account ... I couldn't reach a Rep at either number. I tried waiting in queue with both numbers and despite waiting for awhile ... I never could reach an Agent. Before contacting Amex I did reach out to Tech Support at XXXX to make sure there wasn't an issue with my phone. XXXX 's Tech Support assured me my phone was functioning properly.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (KY)

Dear Sir/Madam, I am writing to dispute inaccurate and damaging information that has been reported on my credit report by XXXX XXXX XXXX  According to my records, a late payment was reported for my account number XXXX in XX/XX/XXXX. This information is incorrect and negatively affects my credit score. I have attempted to resolve this matter with both your department and the credit bureaus without success. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, you are required to provide accurate and verified information on my credit report. To date, I have not received an adequate response or verification of this information. 

Therefore, I request that you immediately remove the reference to the XX/XX/XXXX late payment from my credit report. I further request that you notify the credit bureaus ( Equifax, XXXX and XXXX ) of the removal of this incorrect information. 

Please confirm in writing the removal of this information from my file within 30 days of receipt of this letter, otherwise I will be forced to consider legal action to protect my rights under the FCRA. 

I appreciate your prompt attention to this matter. 

Sincerely,
Consumer complaint received 2024-07-23
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Navient Solutions, LLC. (IN)

My student loan servicer is Navient. I have made multiple attempts to discuss separating my student loan from my ex husband 's student loan. I have to act like a collection agency to get my ex to pay his share. Although he is listed I am the main borrower. I would like to accelerate my payments and get this taken care of but I can't do that with his loans on my loan.
Consumer complaint received 2023-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is my first endeavor to tell you 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 alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-11
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. (MO)

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.

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 informationisinaccurate.
Consumer complaint received 2024-08-17
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: W&A Intermediate Co., LLC (GA)

Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, PC Account Number : XXXX Amount : {$960.00} I received multiple collections attempts from Wakefield and Associates through text messaging, and calls. The date itemized XX/XX/XXXX, but Wakefield and Associates have reported the date of XX/XX/XXXX to all credit bureaus re-aging is an illegal act due to FCRA Section 623 ( 5 ) ( A ). 

A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than XXXX  days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. 

re-aging an account means that a debt states differently than the original date of the XXXX  debt. If there is a different date ( meaning it has been changed ) it is an illegal practice of re-aging. Re-aging is illegal under the FCRA ( Fair Credit Reporting Act ) for a few reasons. Not only will re-aging allow a collection to remain on your credit reports in-perpetuity, but because it can seriously destroy credit scores. 

The XXXX, known as the date of XXXX  delinquency, determines how long a negative account can remain on your credit report. Officially, the XXXX is the date that your account became XXXX  days late with no payments made. 

The account should be deleted immediately.
Consumer complaint received 2024-05-11
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. (CA)

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 168 I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.
Consumer complaint received 2016-02-27
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (WA)

My complaint is about Nationstar Mortgage, which holds the mortgage on my primary residence. I recently set up for online autopay of my monthly mortgage. On XXXX XXXX, I noticed, upon checking my Nationstar online account, that the company charged me twice for my XXXX payment. I notified them promptly via the online correspondence form provided on the website. A few days later, I got a response saying I need to send them a faxed copy of my account statement showing that they charged me twice. I emailed them back and asked if they can just transfer that overcharge to my XXXX payment. Instead, they gave me a generic response saying a customer service specialist will contact me in 5 days. At this point, it 's already the end of the month and my XXXX payment will be due. I believe they are intentionally making it difficult for their customers to receive their refund and they are hoping that they can discourage their customers from demanding them to rectify these mistakes so they are inherently making customers pay extra for the loan interest. If it takes them a split second to charge me twice on my account, and this is their error, it is unethical business practice to delay refunding their customers. They should not be allowed to benefit from using online bill pay service if they are abusing this and victimizing their customers. While this is supposed to be a benefit for their customers, they have used it to steal money from their customers.
Consumer complaint received 2023-09-25
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. (GA)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.
Consumer complaint received 2024-09-02
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. (CT)

Please be apprised that you are in direct violation of the XXXXair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) the validity and accuracy of your recent investigation of these accounts is that I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was completed and my updated credit report still have the accounts I disputed when unfair traits and activities is being active to this companies that I think ilegally reporting in my credit profile that affects my life being tortured financially. 

I WANT TO KNOW WHY? HOW? When they can not provide A PROOF or and EVIDENCE OF ANY WRITTEN DOCUMENTS THAT HAS MY WRITTEN SIGNATURE THAT WILL SHOW THAT I HAVE BUSINESS WITH THOSE COMPANY. 

I DISPUTED those accounts because I never applied for any accounts to them. And I did not signed with my written signature to a written documents as transaction agreement. Please Make this negative accounts DELETED TODAY IN MY CREDIT PROFILE and deleted completely in my credit report as under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report and As a consumer by law this account listed below must be deleted immediately! 

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Consumer complaint received 2024-05-11
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: EQUIFAX, INC. (TX)

Two accounts with the same company name has appeared on my credit report and I never applied for XXXX XXXX XXXX XXXXXXXX balance {$2600.00} and XXXX XXXX XXXX XXXX balance {$1700.00} Im requesting these two accounts to be removed off my credit report and blocked. These two accounts are fraudulent my IDs and my wallets have been stolen please removed
Consumer complaint received 2024-05-11
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)

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.

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 informationisinaccurate.
Consumer complaint received 2024-08-13
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. (NC)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2016-03-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (DC)

Since XXXX XXXX, Nationstar has contacted me several times to present. Initially, I would accept the calls. The requested information would always be the same. Starting XXXX XXXX, I asked Nationstar representatives why was it necessary for them to contact me since my profile had not changed. They would same to me, we are updating your file. To me, this did n't make since because I can update my profile online at Nationstar website because I have a user id and password. I have requested Nationstar to stop calling me in regards to this matter. However, my requests are being ignored. 

Thank you in advance for assisting me in this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2016-03-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (MI)

I logged onto my Nationstar Mortgage account online, and noticed a new loan on my account. This new loan does not belong to me. The personal information associated of the borrower for this loan is available to me when I log in to my personal account. I believed this to be a significant failure of Nationstar Mortgage to safeguard the personal information of the mentioned borrower. I contacted Nationstar Mortgage customer service to notify them of this issue. The representative told me to simply delete the loan from my account. I agreed to do this, but told the representative that this was not an acceptable solution. I told him that I was concerned that there systems allowed for this borrowers information to be available to me, and that my information could be available to others. The representative did n't seem to care about the significance of this issue, and told me that I could file a complaint with Nationstar Mortgage. I then tried to delete the loan from my account, and the website failed to remove it. This loan and the other borrower 's personal information remain on my account today. I have duly notified Nationstar Mortgage of the failure to safeguard the personal information of the borrower, and they have failed to take any action to protect this information.
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

This is in response to the verified no change letters and emails I received regarding the charge off accounts on my attached credit reports. 

I followed your instructions to contact the companies responsible for placing this inaccurate charge off account on my credit report. However, despite all my efforts, the furnishers did not respond to my inquiries and XXXX LOCKED MY ACCOUNT ACCESS! 

It is evident that this charge off account is inaccurate, as the creditor failed to provide any valid proof of its validity. According to the Fair Credit Reporting Act ( FCRA ), if the creditor can not substantiate the accuracy of these accounts, they are not permitted to report it to the credit bureaus. 

Regards, XXXX XXXX
Consumer complaint received 2024-08-13
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)

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, Experian, and XXXX.
Consumer complaint received 2024-09-06
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: M.A.R.S., Inc. (KS)

MARS Collection Agency XXXX XXXX XXXX XXXX, XXXX, OK XXXX Subject : Dispute of Debt - Account Number unknown. According to the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request verification of this debt. 

Under Section 809 of the FDCPA, 15 U.S.C. 1692g, I request that you provide detailed documentation proving that I owe this debt and that you have the legal right to collect it. Specifically, please provide the following information : 1. The amount of the debt.

2. The name of the original creditor.

3. A detailed statement showing the original debt and any charges, fees, or interest added.

4. Proof that you are authorized to collect debts in my state. ( I reside in Kansas your office is located in Oklahoma ) Until this verification is provided, I request that you cease all collection activities, including reporting this alleged debt to credit bureaus, in accordance with Section 805 of the FDCPA, 15 U.S.C. 1692c. Additionally, please be aware that if this debt is found to be inaccurate or unverifiable, it must be removed from my credit report as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Please provide the requested verification within 30 days of receiving this letter. Should you fail to comply with my request, I will consider this matter resolved and take appropriate action to protect my rights. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX As well as contacting my family member who was listed as an emergency contact I a attempts collect the debt law states Debt collection laws vary by jurisdiction, but in many places, including the United States, there are specific rules designed to protect consumers from harassment and inappropriate practices by debt collectors. Here are some key points : 1. **Repeated Phone Calls** : Under the Fair Debt Collection Practices Act ( FDCPA ) in the U.S., debt collectors are prohibited from making repeated or continuous phone calls with the intent to annoy, harass, or abuse you. This means that while a debt collector can call you, they can not continuously call you in a manner that is intended to be harassing.

2. **Contacting Third Parties** : Debt collectors are generally not allowed to contact people other than you ( such as family members, friends, or coworkers ) about your debt, except to obtain your contact information. They must identify themselves as debt collectors when they call and can not discuss the details of your debt with these third parties. In the U.S., if they disclose information about your debt to third parties without your consent, it could be a violation of the FDCPA.

I have not been provided with the original contract signed by me with the original creditor so therefore am not able to verify that I owe this debt and I refuse to pay a debt to a third party debt section agency.