davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: SLM CORPORATION (MD)

I am writing to express my serious concern and dissatisfaction regarding the mishandling of my personal information, leading to a negative impact on my credit score. I have recently obtained my credit report from your bureau, and upon careful review, I have identified several inaccuracies and instances of unauthorized use of my information. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C 1681, I am entitled to accurate and fair reporting of my credit information. It has come to my attention that the following issues have occurred : Unauthorized Inquiry : I have identified an unauthorized inquiry on my credit report, which appears to have been made without my knowledge or consent. This unauthorized inquiry has contributed to the decline in my credit score. Incorrect Account Information : There are inaccuracies in the account information reported, including : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inaccuracies have unfairly impacted my creditworthiness. 

Identity Theft Concerns : The discrepancies in my credit report raise serious concerns about potential identity theft or fraud. I request a thorough investigation into these discrepancies to ensure that my personal information is not being misused by any unauthorized parties. 

I am attaching copies of relevant documents that support my claims, including proof of the unauthorized inquiry and any evidence that substantiates the inaccuracies in my credit report. I kindly request that you promptly initiate an investigation into these matters, in accordance with the FCRA. 

Under 15 U.S.C 1681i ( a ) ( 1 ), I request that you investigate the disputed information within 30 days of receiving this letter and, if necessary, correct or delete any inaccurate or incomplete information. Additionally, I request that you provide me with a written report of the results of the investigation. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Failing to rectify these issues promptly may compel me to take further legal action to protect my rights under the FCRA. 

Thank you for your immediate attention to this matter.
Consumer complaint received 2019-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

Hello Consumer Finance, My name is XXXX XXXX and my dispute is with Experian giving me a very low credit score verse XXXX and XXXX. My credit scores with XXXX XXXX and XXXX  is a XXXX. 
Experian is giving me a XXXX based off the same creditors information provided to all three credit reporting companies. 

I made contact with Experian on XXXX2019, XXXXXXXX2019, XXXX19 and XXXX19 through email and my online communication was with XXXX, Experian Social Support Rep. 

I have paid my creditors on time and my debit/Credit utilization is 1 %. I can not believe Experian rating is 95 points less than the other two credit reporting companies. 

Best regards, XXXX XXXX
Consumer complaint received 2024-08-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (NY)

Im sick of this process. Ive had to file and re file my disputes over XXXX over the past XXXX  months. I lost XXXX on a XXXX  Scheme which has a very complex set of facts. I submitted my statement of facts that I paid a lawyer XXXX to put together and Citibank dispute department is not equipped to handle the complexity of my situation. This is an outsourced call center with representatives that barely speak XXXX and dont have the skill set in order to fully adjudicate my complex issue. Not once, has an investigator called me to gather more information. Because of this ineptitude, Citibank left my account with a balance and stole a XXXX refund from fanduel that went into my closed account. This is criminal.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.
Consumer complaint received 2018-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

I spoke with XXXX XXXX and they stated the dispute comments would be removed. I am not disputing this account. They sent an electronic request to you all to have the dispute comments removed. The confirmation # for this request is # XXXX.
Consumer complaint received 2024-06-28
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. (NY)

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form : XXXXXXXX XXXX XXXX - Account XXXX
Consumer complaint received 2024-05-30
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: EQUIFAX, INC. (FL)

Ensuring timely payments on this account has always been important to me, and I've never let them be overdue. I'm not sure why there are late payment remarks reported on my accounts. As per 15 USC 1666b, billing errors should be corrected.
Consumer complaint received 2016-11-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (NV)

XX/XX/2016 A week ago we got notice that our house was being foreclosed by Nationstar bank. We had been working on a modification of our loan and after losing our applications three times by facts as they wrapped up interest charges on our loan, XXXX XXXX, " our dedicated loan specialist '' told us that if we made six consecutive payments within a month without being delinquent we would then move on to the modification. We complied " to the letter '' and sent our checks of over {$1200.00} every month as instructed. Now we are told that we never made the payments although our bank statements say the payments were processed so we have proof. As an aside, XXXX XXXX called a while back, and not knowing ( or maybe he did ) he laughed the ENTIRE message and never said a word. No one seems to know where the money went! So over {$7500.00} is lost into thin air! In the length of time it would take us to find out what happened and remedy it if possible, we would lose our house completely without making a XXXX of the {$220000.00} that we put down on the house. So we Sold it immediately so that we do n't lose profit in the amount of approximately {$150000.00}. We were lucky to have a buyer, I guess. There is more to the story and all along the way we 've been lied to as it turns out. At one point, four months we could not contact anyone at nation star because every single XXXX number directed us back to someone that no longer worked there. So now, we are losing the beautiful house we love and have to be out of the house by XX/XX/2016. We are devastated. If there is anything you can do to help us we would be ever so grateful. We never thought something like this could happen to us, but it has. When this all began a YEAR AGO, we were one payment behind and could n't make it up. This IS an urgent matter, and if someone could get back to us as quickly as possible, we would be so so grateful. Our contact information is listed above in my name to be the person contacted. Again our number is XXXX and my name is XXXX XXXX. Thank you in advance! 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-30
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)

I recently looked at a copy of my credit report and noticed several inaccuracies on my account. this is hurting my ability to get credit. it is my understanding that you will investigate these items for me to make sure that everything is accurate. 

here is the item i am asking you to verify as accurate : XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-08-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Management Holdings, LLC (TX)

On XX/XX/XXXX, a debt collection popped up on my credit report for a XXXX XXXX. I have never received any notification via mail, email or phone call from XXXX XXXX regarding any owed bills. The debt was sold to XXXX XX/XX/year> according to my credit report. XXXX has made no effort to contact me from XXXX through XXXX regarding the debt before reporting on my credit as a collections account. The only contact I have received was from XXXX yesterday XX/XX/year> during work hours when they tried to call me regarding the debt. However this was after they had already reported on my credit as a collections account. Neither company has made any attempt to contact me to allow the opportunity to review said XXXX and any discrepancies.
Consumer complaint received 2024-06-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On XX/XX/XXXX, a dispute was filed with credit agencies under the FCRA, 15 U.S.C. 1681, challenging certain information on the credit report. After 30 days without a response, another dispute was filed. Currently, a third letter is being prepared, including an identity theft report, requesting the agencies to block or remove the disputed information within four business days as per the FCRA. Additionally, a dispute was filed through the CFPB and another one is being filed through the CFPB with the identity theft report. removed listed inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-05-30
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)

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Added Accounts included : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section XXXX of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( XXXX ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, Thanks, XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-08-09
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: ENCORE CAPITAL GROUP INC. (TX)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

Experian customer service refused to verify my identity and unlock my account over the phone. Customer service did not make an attempt to rectify the issue and allow me access to my Experian account. As a result, I had to file a dispute through the mail from being denied access to online services.
Consumer complaint received 2019-04-01
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: United Shore Financial Services, LLC (AZ)

ATTENTION : HUD-OIG AND CFPB AMENDED XX/XX/2019 VA HOME LOAN OVER PRICE {$300000.00}. BUILTXXXX. 

XX/XX/2019 COMPLAINT AGAINST ( UWM ) UNITED WHOLESALE MORTGAGE. 

PRICE PLACED UPON THIS HOUSE WE BOUGHT IN XX/XX/2019, ISN'T EVEN WORTH. {$300000.00}. I DISCLOSED HERE BELOW THE CONDITION FINDING HUMONGOUSLY BAD. 

THANK YOU FOR THE INFORMATION : I CERTAINLY ASKING FOR HELP WITH OUR ( VA HOME LOAN ) THROUGH ; " UNITED WHOLESALE MORTGAGE '' HERE IN XXXX, ARIZONA. WE FELT LIKE WE BEING OVERLY CHARGED. AS FAR AS PRICE WISE FOR THIS OLD HOME WE BOUGHT FROM THEM ... IN THE AMOUNT OF : {$300000.00}. AND ISN'T WORTH THE PRICE. 

AFTER A MONTH WE MOVED IN..WE DISCOVERED SEVERAL DISCREPANCIES INSIDE THE HOUSE. IT DEEMED LIKE NO INSPECTION WAS EVER MADE TO THIS HOUSE BEFORE PUT IT ON THE MARKET. ACCORDING TO ITS CONDITIION. " DIRTY FLOOR, CEILLING LIGHTS & FANS AREN'T WORKING PROPERLY, REMOTE-CONTROL TYPE FANS & LIGHTS FIXTURED. SOME CEILLING BRACKET LEFT WITH WIRES HANGING WITHOUT A LIGHT BRACKET. 

SLIDING DOOR IN THE BACK TO THE SWIMMING POOL. AND PATIO CAN'T EVEN OPEN, WAS FULL OF MUD, AND DIRTS. WE HAVE TO SCRAPED THEM OFF CLEAN, IN ORDER TO FREE THE GLASS DOOR, AND SCREEN DOOR TO MOVE FREELY. 

THE SWIMMING POOL WAS ABSOLUTELY DIRTY FILTHY, CAN'T EVEN SEE " TILES DESIGNS '' DUE TO SCUMS COVERED IT. WE HIRED POOL PEOPLE TO DRAINED AND CLEAN-UP INSIDE, AND REFILLED COST US HUGE AMOUNT OF MONEY. SPRINKLERS WAS NOT WORKING AT ALL, EXCEPT ; WASTING LOTS OF WATER FLOWING EVERY WHICH-WAY ; AND NOT SPRINKLING UP AS IT SUPPOSE TO : COST {$700.00} DOLLARS. TOILETS, KITCHEN, GROVES ALONG THE WALLS INSIDE THE WHOLE HOUSE ITSELF ARE EXTREMELY DIRTY. 

WE DID SIGNED THE CONTRACT, and it falls under : " FALSE STATEMENTS STATUTE '' SECTION ( 2 ) Especially, the general federal Statute, 18 U.S.C. 1001, which makes it a crime in dealings with the federal government to ( 1 ) falsify or conceal a material fact, ( 2 ) make a materially false statement, or ( 3 ) make or use a document known to contain a materially false statement or entry. Wilful Concealment. 

To which ; Compensatory Damages, and Punitive Damages can be consider from the defendant 's conduct is deemed especially egregious. Discourage repetition of such conduct, and set an example for others who might be tempted to engage in similar conduct. 

We are asking for a Rectification price ; placed upon this house. Its NOT Worth {$300000.00} dollars. According to its condition ; NOT reasonable, logically justifiable or justified, conforming to or in accordance with established rules, standards, principles of LAWS AND CONSTITUTIONS. Also ; my Tax-Exemption and my VA home loan benefit, entitlement has not been considering, nor acknowledge at all. Still shown on ESCROW payment  legitimately. 

Respectfully : XXXX & XXXX XXXX XXXX XXXX VETERAN XXXX   XXXX XXXX C/O XXXX XXXX XXXX XXXX XXXX, Arizona XXXX
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

I looked at my report back on XXXX XXXX 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. These accounts [ XXXX XXXX XXXX ], [ XXXX XXXX XXXX XXXX ], [ XXXX XXXX ], [ XXXX XXXX XXXX ], are not complete and accurate.

I sent a letter asking them to make sure everything is complete and accurate and here is my tracking number They sent me investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate
Consumer complaint received 2024-06-21
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. (NC)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. 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 in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2023-12-28
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

I received a collection from a collection agency named TRANSWORLD SYSTEMS INC. They are asserting that I owe them {$310.00} for a debt with XXXX XXXX. I do not owe XXXX XXXX nor Transworld any money. Now this has severely affected my credit.