davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-06
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Volunteer Mortgage Loan Servicing (TN)

We were advised by XXXX XXXX, Code Enforcement XXXX for XXXX XXXX, TN. Around XX/XX/XXXX, that XXXX XXXX on XXXX XXXX XXXX here in XXXX XXXX are prone to sinkholes. There were no mention of the sinkholes by XXXX XXXX XXXX XXXX XXXX XXXX, Title and Escrow, XXXX XXXX of XXXX Banker, and realtor XXXX XXXX of XXXX XXXX. We found out about not just the sinkholes, but that the fact that our condo is built on the top of a slate rock cave ( address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX. ) and was told by XXXX XXXX herself to my XXXX XXXX partner XXXX XXXX, whose name is on the deed with mine. There were no PLAT maps accessible there at The Title and Escrow place. In ALL of our closing documents there is no such documentation about sinkholes, and the condo being built on top of a XXXX  XXXX XXXX. Me and XXXX have been living XXXX XXXX that this place will sink into the ground at any moment. XXXX XXXX said that this condo will definitely not sustain the length/life of the loan. I have mobility issues, XXXX and I are both agoraphobic, so resilience and optimism are two thing that were stolen from us. We are both on tightly fixed incomes. I had a grand mal XXXX XX/XX/XXXX and died. This stress of knowing this soul crushing truth has had a lot of negative impact on both XXXX 's mentality and mine. If XXXX XXXX calls you ; talk to him! I can not handle much more stress cause if I have another XXXX, it could possibly kill me. We deserve a lot of compensation for our suffering, being exploited, and public apologies. Tennessee is so corrupt, still, even now. I forward everything to XXXX XXXX 's email. I am no longer putting myself on the back burner. This is me voicing out all over the entirety of everywhere that, IT IS NOW OUR TURN to feel safe and to know what real security is. 

XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2024-05-02
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: Experian Information Solutions Inc. (AZ)

Timely payments are always a priority for me, and I am certain about this. However, I am unsure why this company is reporting me as late in certain months, which should not be the case. According to USC 1666b, any billing error should be corrected, or they will be liable to pay me {$1000.00} for each account reporting inaccurately.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Lendmark Financial Services (MD)

On XX/XX/year> & XX/XX/year> XXXX reported late payment on my credit report and 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 section 604a section 2, also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Paramount Capital Group, Inc. (SC)

XXXX is reporting inaccurate and outdated information that has an adverse impact on my credit file. I have disputed the information in my report from Paramount Capital Group which shows I have a past due balance. That information is incorrect and also doesnt show the show a complete accurate and correct historical data.
Consumer complaint received 2018-03-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (VA)

I took out a loan to remodel my parents home for the comfort of my elderly mom, I always paid the first two companies timely, and had no issues. However, once Nation Star took over, they didn't inform me as my old Co told me that they would, once I found out, they had already started placing the house into foreclosure. I have been fighting with them. I did call them and advised them of my information. Still, they kept being scammers as they are. I tried to set up a modification with them, they took out all of payments with the exception of the last one and stated the payment was a NSF and that I had to start all over.Well, I fell into their trap, started all over, and they stated on this one the same and that the bank blocked them. The monies sat in the account. They have all of these fees, NSF fees charged to me and the only way to keep my home is to file bankruptcy and soon. They have my beacon score very low. They are my old bad creditor. When I asked them send me information, they lie and dont.
Consumer complaint received 2024-05-03
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 have over XXXX inquiries from all type of companies they have my name attached to people I dont even know Ive been having a hard time getting verified through the Experian XXXX and XXXX because I cant even verify
Consumer complaint received 2023-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX Inquiry Date XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX Inquiry Date XXXX XXXX XXXX  Inquiry Date XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

I have mailed a dispute to Experian, XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Delivered : XX/XX/2024 I have attached mailing attachments below along with the actual letter mailed to Experian, along with tracking and signature when delivered.

I have been disputing account ( s ) with Experian and Experian responded by sending an email stating, " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. According to the federal Fair Credit Reporting Act, " if the completeness or accuracy of any item of information contained in a consumer 's file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' The account ( s ) below are reporting inaccurate according to the Metro 2 Compliance Standard. Compliant Reporting Is Not Optional, It Is A Mandated Requisite For Any Party Involved. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with the FCRA 611 ( 15 U.S.C. 1681l ), I have above practiced justifiably my right to CONTEST the REPORTABILITY of any and all questionable conclusions that I have discovered on my personal credit report ( s ).
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OPORTUN FINANCIAL CORPORATION (CA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
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. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Inquiries : XXXX XXXX XXXX :
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2024-01-07
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. (CA)

XXXX XXXX XX/XX/2023 XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2023 I am reporting a fraudulent inquiries in my credit report
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

I have mailed a dispute to Experian, XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Delivered : XX/XX/2024 I have attached mailing attachments below along with the actual letter mailed to Experian, along with tracking and signature when delivered. 

I have been disputing account ( XXXX ) with Experian and Experian responded by sending an email stating, " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. According to the federal Fair Credit Reporting Act, " if the completeness or accuracy of any item of information contained in a consumer 's file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' The account ( XXXX ) below are reporting inaccurate according to the XXXX XXXX XXXX XXXX. Compliant Reporting Is Not Optional, It Is A Mandated Requisite For Any Party Involved. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In XXXX with the FCRA 611 ( 15 U.S.C. 1681l ), I have above practiced justifiably my right to CONTEST the REPORTABILITY of any and all questionable conclusions that I have discovered on my personal credit report ( XXXX ).
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)

It is of utmost importance that you understand the seriousness of this matter. I feel compelled to stress that I am fully dedicated to taking legal measures against your organization. In spite of my continual appeals for you to thoroughly look into and fix the errors that are affecting my personal credit report, your apparent indifference to my demands is extremely troubling. According to regulations, it is obligatory for you to handle and correct any incorrect details that have been brought to your attention. 
Your persistent neglect in addressing this issue is unacceptable. Given the gravity of this situation, I strongly urge you to promptly address the necessary steps to resolve this matter before further actions are pursued. 

XXXX XXXX XXXX - XXXX - They reported an account under my name without a written agreement. A legal contract requires the involvement of both parties and I was not a party to any such agreement. CEASE & DESIST. - There shouldn't be late payment reporting on this account seeing as it's a collection account! This agency is in violation of XXXX XXXX. XXXX. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, this account must be DELETED from my report.
Consumer complaint received 2024-06-09
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital one is still charging {$25.00} late fees in XX/XX/year> after the rule change capping fees at {$8.00}. They charge late fees even when you pay on time in your own time zone, but are late in theirs.
Consumer complaint received 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (MD)

XXXX XXXX Last 4 SocialXXXX XXXX XXXX XXXX XXXX XXXX Md XXXX XXXX ( XXXX ) XX/XX/2024 LVNV  Funding XXXX XXXX XXXX, XXXX, SC XXXX. 
Subject : Demand for Immediate Deletion of Collections from Credit Report Pursuant to FCRA and Consumer Law To Whom It May Concern, I am writing to demand the immediate deletion of any collections entries from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically consumer law 15 U.S.C.

section 602 ( a ) and 15 U.S.C. 1681 section 604 ( a ) section 2. Upon reviewing my credit report, I have identified collections entries that are inaccurately reported and must be removed promptly to avoid legal repercussions.

I demand the following collections entries to be deleted : [ List all collections entries you want to be removed, including creditor name, account number, and any other relevant details ] I assert that these collections entries are inaccurate and violate my rights under the FCRA and relevant consumer protection laws for the following reasons : 1. Violation of FCRA and Consumer Law : The FCRA and consumer protection laws explicitly prohibit the reporting of inaccurate or incomplete information by consumer reporting agencies.

The inclusion of these inaccurate collections entries on my credit report constitutes a violation of these laws.

2. Immediate Deletion Requirement : Pursuant to FCRA and relevant consumer protection statutes, I demand the immediate deletion of these inaccurate collections entries from my credit report unless the creditors wish to face penalties of up to {$1000.00} for each violation.

Failure to comply with this demand will result in legal action to enforce my rights under the law.

3. Preparedness for Litigation : I am fully prepared to pursue litigation against the creditors and any consumer reporting agencies that continue to report these inaccurate collections entries on my credit report. I have documented evidence to support my claim and will not hesitate to take legal action to rectify this matter.

I demand that you take immediate action to delete the inaccurate collections entries from my credit report and provide me with written confirmation of their removal within [ specify a reasonable timeframe, e.g., 10 business days ] days of receipt of this letter.

Thank you for your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the address or phone number provided above. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-06-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc (SD)

My PayPal account was compromised by unauthorized individuals. The perpetrators executed two substantial transactions, funneling funds through various PayPal accounts to obfuscate their trail. This activity is entirely inconsistent with my typical usage patterns. 

Details of Unauthorized Transactions : Transaction 1 : XX/XX/24 - {$4800.00} Transaction 2 : XX/XX/24 - {$990.00} These transactions were significantly higher in value compared to my usual PayPal activity, which is predominantly for small family-related payments, never exceeding {$100.00}. 

Dispute with PayPal : Upon discovering the fraudulent transactions, I promptly filed a dispute with PayPal. Unfortunately, PayPal dismissed my claim, asserting that the transactions were consistent with my regular activity. This dismissal was made despite the clear discrepancy between the fraudulent transactions and my typical PayPal usage. I am now facing chargebacks and bank reversals for transactions I never initiated. I have filed disputes for both transactions. 

Now, PayPal has turned over {$4800.00} ( Transaction ID XXXX ) to a private collection agency, XXXX XXXX XXXX XXXX, to attempt to get me to pay it. I do not owe this money, and I insist that all debt collection activities cease immediately. I will be updating the FBI regarding the collection activity. 

I insist that debt collections for this fraudulent activity cease immediately and that any reporting to any and all credit bureaus be corrected and stopped.
Consumer complaint received 2024-06-22
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capio Partners, LLC (IN)

I went to XXXX XXXX XXXX XXXX  and had insurance through XXXX XXXX XXXX XXXX and they still put {$3000.00} worth of debt of collections on me and it's affecting my credit score but I have had XXXX XXXX  The insurance is called XXXX XXXX XXXX XXXX XXXX have had it for over 15 years member ID XXXX
Consumer complaint received 2015-10-09
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (PR)

A Company named XXXX and XXXX XXXX XXXX XXXX sent me [ XXXX/XXXX/2015 date I received the letter XXXX to collect a debt for XXXX XXXX Bank -Midland Funding for the amount of XXXX. Following that the same date I proceed to dispute the whole debt i did'nt recognize because does not belong to me and also started a dispute with all credit agencies, because my personal information have been compromised by the information gap that affect the federal agency XXXX protection regarding all its employees, contractors, retired personnel and candidates for employment and they inform me in writing. I 'm on identity theft and credit monitoring protection program paid by the agency as I said on my letter. After thaht a few weeks later they sent a letter without any date asking for all my personal and sensitive information to allegadelly taking care of my claim of suspected identity theft and started a claim for me. Obviously I did n't gave them my information for my own protection. I proceed to sent them a 2nd letter dated XXXX XXXX 2015 to sent me written verfication of the debt with all the information they have and caliming them that I have asked for this information because I have some questions. I need more information to make an informed decision about your claim, In order to make sure that I am not put at any disadvantage, in the meantime please treat this debt as being in dispute, record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau XXXX or have already done so ), also report that the debt is disputed. I used a sample letter from the CFPB website to set my rigths under the FDCPA saying them " Tell me more about this debt. '' They never annswer my letter and sent me any of the information I requested. I called twice and put me on hold and then they hang up. Yesterday I received court papers because they sue me on a district court here in Puerto Rico and I have to appear in court on XXXX XXXX 2015, also on the court papers they put me as married person and I 've never been married. Now Im starting to filed a fraud alert on my credit report because of this situation and already filed a case with a company named All Clear ID that monitored my credit and intents of identity theft to protect myself and information and investigate thanks to this program I discover thaht this debt is a credit card because they did n't gave that information either