davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (FL)

I have previously disputed with XXXX, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2023-09-04
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX Owed : {$260000.00} ; XXXX XXXX XXXX Balance Owed : {$58000.00} ; XXXX XXXX Balance Owed : {$1900.00} ; XXXX XXXX Balance Owed : {$3100.00} ; XXXX  XXXX XXXX Balance Owed : {$8600.00} ; XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX Owed : {$0.00}.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

Theses Account have Affected my credit. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX according to the fair credit reporting act ( FCRA ) 605B Its is illegal to report information on my Credit report without my permission please remove these items from my credit report
Consumer complaint received 2018-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NATIONSTAR MORTGAGE LLC (NV)

In XX/XX/XXXX Nationstar demanded our mortgage payment. We disputed this since the company originated the loan was since put into bankruptcy by the Federal Govenment for fraud. We demand to see contract under FDCPA and they fail to provide oirginal contract for our review that said we must pay them. Subsequently, they begun foreclosure proceeding and we defended by starting a suit in federal court ( XX/XX/XXXX ) and by Nevada 's Mediation Program. At this point all colllection activity should have been stopped according to the FDPCA. In XX/XX/XXXX we filed our law suit in the Federal Court & In XX/XX/XXXX, the Nevada Foreclosure Mediation Program determined that Nationstar had no right to forecluse lack of proper documents. IN XX/XX/XXXX, the Federal Case was dismissed for diversity issue and I file case in State Court in XX/XX/XXXX after Nationstar begun foreclosure proceedings again and we also while case was pending in State Court went through a second Mediation Program. Because of rules changes, Nationstar didn't need proper documents and we were not allowed to challenge the document presented by Nationstar and they were allowed to foreclose even though we had a default judgment for failing to respond in a timely manner in State Court. However, in XX/XX/XXXX, the State Court Judge erroneous dismissed our case based on improper pleadings by Nationstar 's Attorney  that had nothing to do with what we alleged in our suit. Seeing that getting a fair trial wasn't possible by the Judge 's action we decided to pursue a modification through NACA and receive a trial approval from Nationstar in XX/XX/XXXX. Since then, we have not missed one payment or we haven't been late at all not one time. We completed the trial period as scheduled and modification became effective XX/XX/XXXX. After all this, Nationstar now Mr.Cooper went back and reported us late with all credit reporting agencies beginning from XX/XX/XXXX until XX/XX/XXXX. This is unfair and unlawful in accordance with the FDCPA 15 USC 1692. Once a debt is disputed, all collections activites must stop until verification is provided. Proper verification was never provided to us. I believe in some of their modification paperwork they force you to accept these late payments of risk not getting the modification. If need, I will send court documents.
Consumer complaint received 2023-06-01
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: EQUIFAX, INC. (NC)

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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Payfare International Inc. (CA)

Went to ATM and attempted to withdraw {$220.00} and the ATM was broken from bottom and didn't dispensed any of the cash Date XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, CA XXXX Sequence # XXXX Card Number Terminal XXXX withdrawal {$220.00} Dispensed {$0.00} XXXX XXXX XXXX
Consumer complaint received 2024-04-23
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)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-06
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX Balance Owed : {$71000.00} ; DEPTEDXXXX XXXXXXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$4000.00} ; XXXXXXXX XXXX XXXX Balance Owed : {$3300.00}.
Consumer complaint received 2018-05-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (TX)

The company is continuing to apply the additional principle paid to unapplied funds instead of applying the money to principle-thereby reducing my balance. I have requested this. I want it done. I feel they are discriminating against me because I had filed for bankruptcy. ADDITIONALLY they say they notified me that they are doing this. THIS IS NOT TRUE! I RECEIVED ONE NOTICE IN ALL THE MONTHS THEY HAVE BEEN DOING THIS. ONE. I have been paying extra principal for months. I do this twice a month. This company is lying through their teeth. If nothing else show me how to apply the money on line and I'll do it myself because they are too lazy to do it.
Consumer complaint received 2024-03-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (OH)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2023-04-24
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: R & B Corporation of Virginia (VA)

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 an account without my written instructions. 
A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I do not have a contract with ) XXXX XXXX XXXX ) Account # XXXX Nor do I owe any debt to ( CREDIT CONTROL CORPORATION ) Account # XXXX
Consumer complaint received 2023-08-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (HI)

I changed the type of repayment plan on studentloan.org to the one President Biden made recently. 

The system said something like " because your loan servicer doesn't participate in electronic exchange of information you have to manually print all the documentation out and mail it. '' This causes an undue financial and temporal strain on me. 

What law allows them to do this?
Consumer complaint received 2023-09-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated (PA)

I requested documentation on this debt and the original contract with my signature. I was provided a loan agreement with another company and a digital signature. I sent this company a police report that I filed on XX/XX/XXXX along with a copy of the signed affidavit from the FTC. I also alerted this company that this debt did not belong to me and to immediately delete it from my credit report. To date, this company stated that they would place the account with the fraud department but has yet to do so. This debt that I do not own is still being reported on my credit report!
Consumer complaint received 2020-07-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (TX)

I was trying to pay off my target store card in full and each time I make a payment its gets put on hold for unknown days???!! And I called TD bank target to see why and they told me I made too many payments so I can avoid being charged a late fee and interests if they continue to do this I will closed my account and I also dont have time to be on the phone and have them call my bank and I never had any payment returned and I just want some peace and go about my day and being on the phone with TD target to get a payment clear is huge waste of my time and money .... its its weird that I havent gotten a credit line increase and Ive been getting a bogus response on that one to and that a problem
Consumer complaint received 2024-04-14
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. (MD)

I am a natural person and a real living human being and I have the right under 15usc 1681. Equifax is governed under 15usc1681 and they violated my rights numerous times and I demand the accounts listed below be removed because according to 15usc1681 i have the right to privacy and I did not give equifax written permission to furnish these accounts. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-23
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)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX XXXX Account Number:XXXX Account Name : XXXX XXXX  Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: TD BANK US HOLDING COMPANY (FL)

On XX/XX/2023, I went to the local branch of TD Bank to close two accounts and withdraw a CD that had matured because of a long history of terrible customer support. The final event that prompted me to close my accounts and go elsewhere was as follows : On XX/XX/2023, I closed a safety deposit box, a day before the next term began. I asked the officer to make sure I would not be charged for another year, and he assured me that would not happen. He said he had already recorded the closing out of the safety deposit box. But on XX/XX/XXXX I was charged {$150.00} for the next year rental of the box I had already returned. It took 4 months and several emails to the branch manager, XXXX XXXX ( See attched ) and a visit to the branch to finally get the {$150.00} refunded. That is when I decided to close my accounts and move elsewhere. 
On XX/XX/2023, I initially went to the teller. But then I was referred to a bank officer, a woman whose name I do not recall. She apparently had responsibility for investments. She tried really hard to retain me as a customer. But my mind was made up. She finally filled out the paperwork to close the accounts and went and got me the cashier checks for the two closing accounts and the matured CD. 

In XXXX I received a statement from both accounts saying that the accounts had - {$9.00} and- {$9.00} negative balances respectively due to Maintenance Fee for the accounts I had closed! I ignored the statements and threw them out in the hope they would get themselves straightened out. Then in XXXX I received two more statements that added another - {$10.00} in Maintenance Fee to each account. 

Then on XX/XX/2023, I received a letter ( see Attached ) saying the account was overdrawn and is being closed to further debits. It asked that I call XXXX to discuss your options. I called the number and explained the situation. The agent asked me to hang up so she could call in a code to verify my identity. I received the code and soon a callback from the agent. Before I could even give her the code, she explained and I quote : I understand that youve got the code but it tells me I cant go forward here with the code Ill have to refer you to the branch to get some assistance ( I have a captioning phone because I am XXXX XXXX so I am quoting ) I told her that I would do nothing. That it was their mistake and they had to fix it, not me. She then said, Im so sorry that you filled ( sic ) that way I wouldnt take that route I would visit the branch so this doesnt affect your credit in any way. To which I replied that if my credit gets affected in any way by their screwup, I would suit the bank in court. 

Not only have they failed to close the account, now they are threatening my credit! Unbelievable!
Consumer complaint received 2020-07-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Helvey & Associates, Inc., Warsaw, IN Branch (NJ)

I have a collection account that popped in my credit report in the Covid 19 areas collection companies should seize operations during this period. 
I called then to get a verification of debt but havent received it yet and never was sent a collection letter to collect this debt. 
I want this removed immediately from the credit bureau.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AL)

Dear CFPB, I am writing to dispute inaccurate information on my credit report from Equifax and XXXX. The reports include a debt from a creditor named " XXXX XXXX  '' which I believe is inaccurate for the following reasons : Unverifiable Creditor : I have been unable to contact XXXX XXXX  to verify the debt. There is no contact information listed on my credit report, and my attempts to locate them online have been unsuccessful. 
Suspicious Account Numbers : The account numbers listed for this debt ( redacted in the attached copy ) appear to be nonsensical and do not follow a standard format for account numbers. 
Inconsistent Reporting : The debt is listed as " paid in full '' but also shows a history of late payments dating back to XX/XX/2020. The Fair Credit Reporting Act ( FCRA ) prohibits creditors from reporting late payments on a satisfied debt. 
I have previously disputed this account directly with both Equifax and XXXX, but I have not received a response. This inaccurate information has significantly damaged my credit score, making it difficult for me to obtain loans and other forms of credit. 

Attached : Copies of my credit report from Equifax and XXXX highlighting the disputed information.
Consumer complaint received 2023-06-07
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. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
XXXX. XXXX : Acct # XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Equifax : Acct # XXXX XXXX XXXX XXXX. XXXX XXXX Equifax : Acct # XXXX XXXX XXXXXXXX : Acct # XXXX XXXX & Equifax : Acct XXXX XXXX Installment 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 furnish a account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-27
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: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX car note should not be reported on my credit report as a closed account after seven years according to Federal Truth In Credit Reporting Disclosure Act and FTC Law. And, XXXX XXXX collection account is incorrect and is been paid as agreed cable bill not in collections.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.