davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EMCC Holdings, LLC (CO)

My bankruptcy was discharged as of XX/XX/2019. I filed due to my husband passing and not being able to maintain both of our financial obligations on one income. Included in this discharge was a XXXX XXXX credit Card and a Timeshare that were both successfully discharged with debt owed. 

Equiant Financial has been fraudulently reporting the timeshare as an active foreclosure debt and the XXXX XXXX credit card as active as well. 

I am attempting to buy a home now that I am retired on a fixed income and need to lock down a home to spend my days without the worry of fluctuating rental market. 

Several lenders have explained that they are unable to look past the fact that this timeshare and credit card are being reported even though they have the supporting discharge paperwork due to the flagged " foreclosure '' in their underwriting systems. 

Lexington Law claimed they had filed a dispute. I terminated our working relationship when they did not escalate this issue appropriately and now I am attempting to achieve this on my own. I have filed a complaint to XXXX ( the only bureau that is falsely reporting these discharged items. ), and I contacted the collection company that bought this item after it was discharged.

I need help getting this removed because it is heavily affecting my quality of life and my financial mobility. What more can I do to escalate and remove these fraudulent items?
Consumer complaint received 2018-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: AMERICAN EXPRESS COMPANY (PA)

On XX/XX/XXXX I took a taxi ride outside port authority bus terminal in XXXX, to XXXX XXXX Train station in NJ, the cab driver threatened to leave me stranded if I didn't provide payment up front. He pulled over after crossing the NJ XXXX toll close to the XXXX, he demanded my credit card upfront for payment, ( first my American Express ) he swiped it 2 times, one for {$700.00} which was denied for fraudulent activity, and then he swiped it again for {$870.00} which did go through, he lied and said it didn't go through and then demanded my other credit card in which he charged another {$540.00} ( including a {$90.00} tip to himself on my XXXX XXXX card and he also forged a signature that barely looks like a scribble. I have a copy of the receipt pull of the XXXX website, where there is a copy and clear proof of this, both transactions where made by different card readers, I never swiped the card myself, and neither did he give me a number or a receipt, again this was all swiped during the trip not after, and he did not meter the drive. I had Amex on the phone while he was still driving me and he was harassing me the entire ride, I made sure the Amex rep heard everything the driver was telling me. The rep was kind enough to stay on the phone with me for about 1 hr, because of the unsafe situation.
Consumer complaint received 2023-12-08
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. (TX)

I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XX/XX/XXXX AND I WON'T ALOW IT.
Consumer complaint received 2023-02-27
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (IL)

I have owned my domain for 15 years. I have used the same email address for interacting with Best Buy for that duration, and the address is current/active. I own the mail server, and have verified that I am receiving everything I should. I have used this same email address with the credit card company through Best Buy ( Citi ) for about 12 years. I have no issue, again, with the email address, and verified with two reps that I had received my statement on XX/XX/2023. 

My problem is that for the past six months, every time I log in ( regardless of machine, browser, or app ) I receive an error " we're having trouble contacting you, please enter your correct email address ''. No matter how many times that I enter the email address, the next time I come back - even if it's only been seconds - I must type it in twice. 

I have attempted to contact the Citi group card services, and have received incompetent outsourced call center staff that don't seem to have any clue what I'm talking about, and are reading irrelevant things from their script. I've been promised some imaginary " back office '' person would fix the issue- it has not. I have been promised " supervisers '' that could do this - and was probably given a lateral transfer to another inept Tier 1 call center rep from the other side of the world. I've been told nonsense - and lies. and had promises that this would be resolved. 

To be fair, I can make purchases with no problem. I receive email with no problem ( despite the claim during login ). And, if I type in my email address twice ( each time ), I can view my account details, make payments, etc. However, something is broken with the account, if it can not hold an email address which has been in the system for over a decade, longer than one login session.
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (TX)

18 U.S.C 1028 No consent to share my information at all 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 18 U.S. Code 894 - Collection of extensions of credit by extortionate means 15 U.S. Code 1681o - Civil liability for negligent noncompliance 15 U.S. Code 1681n - Civil liability for willful noncompliance 15 U.S. Code 1681b - Permissible purposes of consumer reports Most importantly : Violation of 18 U.S. Code 2721 - Prohibition on release and use of certain personal information from State motor vehicle records You have already being sued in federal court as Gaston v. LexisNexis Risk Sols. XX/XX/2020 for illegally selling drivers information. 

My consumer report which you provided to me is now my exhibit. Full of violations. Also I want to know if you have a copy of my written consent to furnish information about me and share with other entities. As I never signed a contract with Lexis Nexus to share my personal and private information. 

Not only that you where tracking my trips stocking and harassing me which is a crime. 

I am due justice, and you owe me Civil Liability for every month it reported on my consumer report. I am willing to settle for XXXX and you do not have to pay attorney fees, or we can add my consumer lawyer to the situation and under the FCRA you will pay him as well Your choice. I have dealt with this harassment for long enough. For far to long my character has been defamed comments. 

I am willing to settle outside of FEDERAL court. I expect a settlement offer within 7 days of this notice or further legal action will be initiated. 


You should be ashamed of violating my rights and privacy
Consumer complaint received 2017-08-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (VA)

On XXXX XXXX, 2017, I filed a complaint against Nationstar Mortgage ( XXXX ). I still had questions and reached out to XXXX XXXX via e-mail on XXXX XXXX, 2017. I also left a message for XXXX XXXX XXXX to call me about my e-mail on XXXX XXXX, 2017 Below is the content of the e-mail I sent. On XXXX XXXX, 2017 at XXXX To : XXXXXXXXXXXX Cc : XXXX XXXX Nationstar Reference Number - XXXX Hello - XXXX XXXX . Ive received the response pertaining to my complaint to CFPB. I called your number because I still have questions, but your phone kept ringing with no voice message option. I have a few questions. I see you are listing the shortage as {$770.00} with an extra monthly payment ( if I chose to go that route ) of {$64.00} more on my mortgage payment. Which would make my payment {$1500.00}, starting in XX/XX/XXXX. When did the shortage start and how much was it? What was factored in to get to the shortage amount? Is the two months of reserves factored into the shortage Why is my payment for XX/XX/XXXX {$1600.00}? My XXXX is due in XX/XX/XXXX. Is Nationstar paying that? Im requesting to be able to pay my city taxes and XXXX. How does that work with the shortage?
Consumer complaint received 2023-06-19
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. (DE)

My direct concern is the company listed below along with XXXX, Experian, and XXXX has violated the ( FCRA ) to investigate my concerns it has been over 40 days, and still no response. 

XXXX XXXX XXXX XXXX XXXX XXXX This account should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I never gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2018-08-13
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. (GA)

After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus.

Below are fraudulently unauthorized inquires on my report : Company : XXXX XXXX Date : XX/XX/2018Company : XXXX XXXX XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX XXXX XXXX Date:XX/XX/2018 Company : XXXX   Date:XX/XX/2018 Company : XXXX Date:XX/XX/2018 Company : XXXX XXXX XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX   Date:XX/XX/201 Company : XXXX Date:XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018 Company:XXXX XXXX XXXX   Date:XX/XX/2018 Company : XXXX XXXX XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018 Company : XXXX Date:XX/XX/2018 Company : XXXX XXXX XXXX   Date:XX/XX/2018 Company : XXXX XXXX Date : XX/XX/2018 Company : XXXX XXXX XXXX XXXX Date : XX/XX/2018 Company : XXXX XXXX XXXX   Date:XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX  Date:XX/XX/2018 Company : XXXX XXXX XXXX Date : XX/XX/2018 Company : XXXX XXXX XXXX Date : XX/XX/2018 Company : XXXX XXXX Date : XX/XX/2018 Company : XXXX Date : XX/XX/2018 Company : XXXX XXXX   Date:XX/XX/2018 Company : XXXX XXXX XXXX Date : XX/XX/2018 Company : XXXX XXXX XXXX Date:XX/XX/2018 Company : XXXX Date : XX/XX/2018 Company : XXXX XXXX Date : XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018 Company : XXXX Date:XX/XX/2018 Company : XXXX XXXX   Date:XX/XX/2018 Company : XXXX Date:XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018 Company : XXXX   Date:XX/XX/2018 Company : XXXX Date:XX/XX/2018 Company : XXXX XXXX XXXX Date : XX/XX/2018 Company : XXXX XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX Date : XX/XX/2018 Company : XXXX XXXX XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018
Consumer complaint received 2023-12-08
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. (FL)

When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these ACCOUNTS under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting ACCOUNTS as unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-19
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC. (TX)

ON DATE XX/XX/ I SENT A LETTER TO MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX # XXXX TRACKING # XXXX FOR VALIDATION OF THE DEBT. THEY REPLIED TO MY LETTER ON XX/XX/XXXX  WITH A LETTER " RESOLVE YOUR LEGAL COLLECTIONS ACCOUNT ''. THEY GAVE ME 3 OPTIONS TO PAY BUT THEY NEVER SENT ANY DOCUMENTION SUPPORTING VALIDATION OF THE DEBT.
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (NC)

Upon applying for a loan for a mortgage, i have received at minimum 50 calls in 2days, while Im at work, acquiring about a mortgage loan. My only assumption is the national bureaus, XXXX XXXX XXXX and experian have sold my information to these companies calling me. Its borderline harassment and stopping me from answering calls i actually need to answer for work
Consumer complaint received 2023-08-01
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. (TX)

I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE Account Number : XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
Consumer complaint received 2023-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

experian is not doing the correct job and protecting as a consumer i have submitted a FTC indentity report and everything and they still allow for this false account ( XXXX XXXX ) be reported on my account
Consumer complaint received 2017-08-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I would like the CFPB to review my account for improper management of my payments. 
NationStar is presently holding Escrow Funds that it does not distribute to the County Tax Collector. 
I 'm referring to Property Taxes. I pay the property taxes separate from the Note, but yet they are  holding over {$7400.00} of my money. The XX/XX/XXXX Statement of XX/XX/XXXX shows they paid a Disbursement in the amount of {$7400.00} dated XX/XX/XXXX. I have no received that money, nor has the County Tax Collector. I have proof the County Taxes have been paid XX/XX/XXXX. They also change the amount of payment due on their account webpage from what is printed on the statement, not to mention withhold funds from being applied to the account. Please take notice of XX/XX/XXXX NationStar Statement, how they withheld one payment, pay it one month late and change the amount due vs.  Monthly Payment. Their receive dates which differ on some statements form my bank statement. Since payments are sent electronically, my bank confirms date of transfer. 
Also check the difference in Interest Payment due on the XX/XX/XXXX NationStar Statement, the  amount is different that what they post on their webpage. How can they change the payment due If the interest has not reset? I want a full refund of my Escrow Funds as I have already verified with the the XXXX XXXX County Tax Collector that NationStar has not sent them payment.
Consumer complaint received 2024-04-11
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. (IL)

I insist on the removal of this late payment from my account as it does not faithfully depict my payment history. I have consistently made timely payments, and it is unjust to be marked with this inaccurate entry. I urge you to promptly update my account.
Consumer complaint received 2023-07-09
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

XX/XX/2020 I asked XXXX XXXX to stop calls and to communicate through email. They stop for a good amount of time, but then recently over the past few months. I am getting calls from them again. That clearly violates my request to cease calls. I want to know why my request to cease calls all of sudden not getting followed. What has changed?. If you can not give me an answer to this. I humbly request for you to stop reporting my account to the credit reporting agencies. Thank you.
Consumer complaint received 2018-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (NV)

There is a pending investigation into XXXX Uiversity for fraudulent practices. My Navient federal loans have been pulled from my bureau reports until a resolution to the matter is found, but my private student loan -which is the bulk of the loans taken out for the school-still remains on my bureau report. I have called Navient multiple times, but anything beyond the status of a loan goes unanswered. When I ask to speak to a supervisor, I'm " transferred '' and hung up on.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ENOVA INTERNATIONAL, INC. (CA)

On the XXXX of XXXX I was approved for a loan with XXXX. I thought about it for a few days as the interest rate offered was high but proceeded to accept on the XXXX of XXXX I then received an email telling me that the loan was declined as they couldn't verify my personal details. No further explanation, yet I have an offer for a loan. I was simply attempting to accept and electronically sign the documents. I emailed them as I couldn't get through on the phones. After getting no response in two weeks, I finally called. only to be told the same denial reason. I was told by the rep XXXX that he knew nothing more and if I wanted more insight I needed to write a letter. Letter? Who sends paper letters in today 's world? Anyway, nothing could be done. This is pretty lame that I'm offered a loan only to have it withdrawn when I'm ready to electronically sign the documents. Just liars.
Consumer complaint received 2023-04-21
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. (IL)

Identity Theft Police Report and False impersonation was filed with local police department XXXX  For Deceptive Collections Practice False impersonation. All verified and certified original documents sent to all 3 # Credit Agencies. And all 3 # TransUnion, XXXX, XXXX have not complied with the FCRA nor the CFPB.And a result of these agencies neglection to abide by federal law guidelines, I have dealt with denial 's, of bank 's, Home loans, and business credit lines do to the rogue ness of these agencies.Knowledge of these fraudulent Verified Accounts where found XX/XX/XXXX and I personally started to contact all 3 # agencies with my findings and correct information XX/XX/XXXX identity theft Cpbf FCRA and Police reports where certified and express mailed to all 3 # credit agencies neglection. I continued to follow up from XX/XX/XXXX to XX/XX/XXXX with certified mail of cease and desist letters police reports Cpbf reports and identity theft reports. Failed to complied. All documents are certified and copied of all activities with TransUnion, XXXX, XXXX.
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (PA)

iam invoking my special Private Agreement and Authorization XXXX  XXXX, for infrinements and idenity theft,12 USC 1430,31 USC3123 , 15USC1602, U.U.C 3-104,31 USC5118 , HJR! 92.theses are the following that has been in breach i never gotten any loan from {$43000.00}, Inever got the loan from XXXX XXXX which they use my for the note and used my credit without my consent and sold the car with out my consent.i would like the property to be returned or pay back in full for infringment and value of the loan.