davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Consumer Credit Protection Act, Public Law 90-321 ; 82 Stat. 146 ; 15 U.S.C. 1601 et seq.

As you are aware, the Consumer Credit Protection Act provides consumers with certain rights regarding the accuracy and fairness of their credit reports. One of these rights is the ability to dispute inaccurate information on their credit reports, and to have that information corrected or removed. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (PA)

I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.
Consumer complaint received 2024-03-21
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. (CA)

I am writing to formally lodge a complaint regarding the inaccurate reporting of certain accounts listed below on my credit report. It has come to my attention that the company responsible for reporting this account has done so erroneously. They have acknowledged an internal issue resulting in the incorrect posting of past due statuses. Specifically, from XXXX XXXX XXXX XXXX XXXX, they incorrectly listed me as past due for XXXX, XXXX, XXXX and XXXX days. I kindly request that you conduct a thorough investigation into this account and update their status to reflect that they have never been late.XXXX XXXX XXXX
Consumer complaint received 2018-09-01
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

XX/XX/XXXX Certified Mail No : XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA   XXXX XXXX XXXX, GA XXXX Select Portfolio Servicing, Inc XXXXXXXX XXXX   XXXX XXXX XXXX XXXX, UT XXXX XXXX : NOTICE OF VALIDATION OF ALLEGED DEBT Your File : XXXX Loan No : XXXX Borrower Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, GA   XXXX Dear Sir, This letter dated XX/XX/XXXX is to notify you, your firm and the mortgage company claiming ownership of this alleged loan and note, that I am exercising my rights under the Fair Debt Collections Practices Act as codified at 15 USC 1692, which stipulates that a debt collector must, if requested, provide validation of the alleged debt, i.e. validate the debt,  per The Fair Debt Collections Practices Act, FDCPA. The debt collector ( Foreclosure Attorney, Bank, Alleged Lender ) is mandated under FDCPA to cease and desist ALL collection activity until validation of the original note is provided. 

This letter requests VALIDATION of the alleged debt accompanied by an Affidavit from the Alleged Lender. 
Please provide the following : 1. Copy of the original alleged note accompanied by an AFFIDAVIT from the alleged Lender 2. Identify to what the alleged debt pertains. 
3. Provide details how the alleged debt was calculated. 
( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX, XXXX XXXX XXXX, XX/XX/XXXX. 
4. Provide Regulation Z, and Notice of Right to Cancel ( Truth in Lending Act ) 5.  Provide copies of any papers that show that I agreed to pay the alleged debt. 
6. Identify the original creditor. 
7. Provide the agreement between the creditor and your firm which authorizes you to collect funds ( without a contract, your firm has no right to foreclose ). 
8. Provide evidence that the Statute of Limitations has not expired on this account. 
9. Provide evidence that you are licensed to collect in my state. 
10. Provide your license numbers and the Alleged Lender 's Registered Agent. 

Please provide the above information within five ( 5 ) business days from the postmark date to : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-03-21
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-05-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TN)

2 years ago an account from XXXX XXXX showed up in my credit report, I contacted the source and through internal investigation it was discovered as fraud and I asked them to close the account and report to credit agency of their finding and they did and remove the account and I put fraud alert on the reporting agencies. fast-forward to 2 months ago I got the annual report and the collection LVNV Funding / Resurgent Capital showed up. after contacting the company I discovered that the original creditor ( XXXX XXXX / XXXXXXXX XXXX ) have sold the account to this collection company. I notified the collection company in writing providing them with my personal identification and asked them to provide me with verification of original contract/ agreement / statement or anything that would be connecting me to this debt ( please see attached documents ) they have not provided me with nothing other than some computer generated statement and credit application that does not match with any of my personal ID such as date of birth, address, employment, driver license. 15 U.S Code 1693f and 15 U.S Code 1692g- validation of debt and 15 U.S Code 1692j -Furnishing Certain deceptive forms, this collection company are in violation of the many U.S Code Chapter 41, Subchapter 1692g.
Consumer complaint received 2023-05-08
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CAINE & WEINER COMPANY, INC. (FL)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2024-03-21
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (MI)

I am writing to file a formal complaint regarding an debt that was placed on my credit report without any notification to me that the account existed and denying me the opportunity to exercise my right to dispute the account which I most certainly would have as I do not agree with the accuracy of this account. 

Despite my diligent efforts to maintain a good credit history, this account has significantly impacted my credit score. 

Details of the Issue : Account Information : Account Name : National Credit Systems Account Number : [ Account Number, if available ] Amount : {$9000.00} Violation : The account was added to my credit report without any prior notification via mail, email, or phone. I was completely unaware of the existence of this account until I reviewed my credit report. 

Dispute : I strongly dispute the legitimacy of this account. 

I request a thorough investigation into the validity of this account.

Impact : The addition of this account has significantly lowered my credit score, affecting my ability to secure favorable terms for loans, credit cards, and other financial transactions.

Documentation : I have attached a copy of the item as reported on my credit profile.
Consumer complaint received 2024-03-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PNC Bank N.A. (CA)

The mortgage company for my house, PNC Bank, NA, let my hazard insurance on my home expire, which is included in my escrow account. Because they let it lapse, they sent me a letter saying they would buy insurance for my property that was more expensive and raise my house payment.

I had to start a new insurance policy with my insurance agency and it cost me {$680.00}.

I also had to pay annual liability insurance which is not covered by my escrow account, in the amount of {$800.00}.

Thanks to their negligence, I am now broke.
Consumer complaint received 2023-05-08
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 — Investigation took more than 30 days
Company: Exeter Finance, LLC. (CA)

Hello I filed the compliant XXXX earlier this year and was provided a response from Exeter that the account information would be updated on my credit report being that as stated in the response from them, it was a mistake on their part that this is even reporting incorrectly. Its been over 45 days since the response and the credit reports are still reporting incorrectly and are hindering me from being able to purchase a home because it looks like I haven't paid in months and I have been paying them monthly. This is predatory lending a this point, please have someone help me please! I called and they stated it was updated but it has not been! I have filed separate disputes with the credit agencies directly, as well as contacting Exeter, and they still send it back to the creditors as being late for the 7 months!
Consumer complaint received 2018-09-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

I logged into my navient account in XX/XX/2018 to make my normal monthly payment as I always do. I was not past due or anything abnormal. I went to make my payment and my total due said {$0.00}. I was very confused as to why it said my monthly payment of {$270.00} was showing nothing due at this time. I decided to call navient to see what was going on. The customer service rep said oh we are giving you a disaster relief forbearance. I was totally confused. I said what was the disaster? She said due to the fires that were currently happening in california they decided to turn off my account and give me 3 months of no payments to help me out. I told her that I did not request this and did not receive any email or letter in the mail about it. I made sure to ask her if I would be penalized for it i chose not to pay within those 3 months or if i would be charged any crazy interest or anything like that. She assured me that my account was completely turned off and it would not be accruing any interest and to resume payments in XXXX as normal. XXXX came around and i logged in and made my normal payment. I made another payment in XXXX as well as XXXX. I go log in this month to make my XXXX payment and I happen to notice that my account balance has not gone down whatsoever. I look at my payment history. For XXXX i paid a remaining balance of {$120.00}. ( i chose to pay {$150.00} in XXXX when my account was turned off ) The entire amount went to interest. For XXXX i made a payment of {$270.00} and the entire amount went to interest. For XXXX i made a payment of {$270.00} and only {$30.00} went to principle. I called navient and asked them why i had made payments totaling {$670.00} and only {$30.00} went to principle. they had responded saying its because my account was turned off and i owe back interest. I told them i spoke to a representative that did not give me the option whether or not to turn off my account and that it was their decision without even informing me and now im being penalized for capital interest. I told them to reverse the charges and they refused. they also told me my loan was extended for 3 months due to the account being turned off. i was furious and they basically told me there was nothing they could do. i feel completely scammed.
Consumer complaint received 2023-11-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

They don't communicate with one another. 

XXXX, Transunion and XXXX report differently in term of the dates and some amounts. They have closed my complaint but I'm not satisfied with the result of their investigation.
Consumer complaint received 2024-03-21
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)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

Over the summer, my Gold card was enrolled in Spend $ XXXX/earn XXXX points with American Express . I met the criteria spending a total of {$12000.00} but have not received my points. I escalated my concern to Ms. XXXX XXXX, Executive Assistant for American Express, who informed me that I had already received those points in XX/XX/2018. 

The situation in XX/XX/2018 involved me relocating from XXXX to XXXX and, after speaking with an AMEX representative on the phone and updating my mailing address, the Blue AMEX credit card was incorrectly mailed to my old address American Express had not updated my address. Ms. XXXX stated that because of the inconvenience, I would be eligible for XXXX if I spent {$4000.00} on my other AMEX credit card the Gold card. I met the spending requirement and received the XXXX points in XX/XX/2018. 

The two situations are completely different : the XXXX points I received in XX/XX/XXXX were a customer service initiate for sending my Blue AMEX card to the wrong address ; the overnighted a new card to me, since I had not received in my credit card in 2 weeks. 
This situation involves promotional points that I rightfully earned by spending {$12000.00} over the course of three months and am eligible for XXXX points. I have a screen shot of the conversation I had with an AMEX customer service representative in addition to the confirmation codes for the three separate times I met the criteria for XXXX points.
Consumer complaint received 2024-03-21
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. (NJ)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-09-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (GA)

I was contacted by Midland about a debt supposedly owed to XXXXXXXX XXXX. When i asked to validate the debt, the female representative started yelling, threatening to sue me if the debt is not paid. I told her I am unemployed and a XXXX XXXX XXXX, so I am unable to pay the debt. I told her I am currently seeking a part time job, and can pay a settlement offer of {$1600.00} but only if they delete the negative trade line. I am in need of a vehicle to get to and from work, and this bad debt is making it very hard for me to get financed.
Consumer complaint received 2023-04-23
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: Convergent Resources, Inc. (OH)

On XX/XX/2022 I contacted this company about this debt they have placed on my credit upon reaching out to them I clearly stated to them that this is not my debt of {$210.00} that been placed on my credit. The company said they purchased this account from XXXX XXXX for a bill I owed I ask for the proof of this bill they just stated I needed to pay the bill. I have contacted this company again who than stated their was cable on in my name that was at a address I did not resign at I provided them proof and they still refused to remove this off my credit I have disputed this and just keep receiving the same letter that states they did Investigation and will not remove this debt.
Consumer complaint received 2024-03-21
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. (FL)

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XXXX XX/XX/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 XXXX XXXX XXXX
Consumer complaint received 2023-05-08
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: CrossCountry Mortgage LLC (FL)

Hi, My name is XXXX XXXX and husband XXXX XXXX. We have a mortgage through Cross Country Mortgage for our single family home, that was completely devastated and lost due to XXXX XXXX XX/XX/2022. Our home had 8 feet of water and was recently completed remodeled, we lost ever single item inside the home and the home itself, in which we are intended to rebuild better to hurricane code and higher elevation. We were in a federally declared disaster and they went through forbearance. They said this would NOT hurt our credit, it not only hurt our credit, but went delinquent not only once but now twice. My husband and I have been displaced from our home for over 7 months now, we are in permitting to rebuild our home and had previously over 800 credit scores and now they are XXXX and under 600. 

Our credit score was hit twice in XXXX and NOW again today as they assured this would not happen again, and would submit a credit reversal and stating that it was a mistake on their end ( mortgage company ), but it happened now again. We are crying and completely devastated. Not only did they hurt our credit twice, they won't put a supervisor on the phone to talk to us. We just want to continue our monthly payments again and have this whole process justified. This was intended to help us through this disaster, but it has hurt us tremendously, we have been living in a hotel for 7 months now and they also are keeping our insurance money until we make progress on the house, in which now our credit is completely messed up for. Please help us we want to take legal action, this is not right at all what they have done to us.
Consumer complaint received 2023-05-06
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: EQUIFAX, INC. (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

an unauthorized amount of XXXX us dollars had been taken from the account, in relations to a private business venture. This had been unauthorized and taken through a third party. Claim number XXXX. No action taken by Wells Fargo. Pending police report.