davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-20
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. (OH)

Dispute Letter XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, OH XXXX DOB XX/XX/XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX 
Account # XXXX To whom it may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being open but also as having a past due balance of {$2900.00}. 

This is a violation of the FCRA and is in violation of the r

equisite METRO2. Compliant reporting standards. 
According to the Fair Credit Reporting Act, I have a right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable, or accurate.

Please immediately remove this account from my credit report and send me an updated report showing your compliance with all METRO2 reporting standards. This account will be removed upon completion. 


The XXXX XXXX XXXX XXXX XXXX, has charged me for a third-party debt that is fraudulent and unauthorized. XXXX XXXX XXXX XXXX made fraudulent charges on my credit report. This company created a fictitious apartment ledger without a letterhead or any documentation with my name attached, stating that I rented an apartment unit from XX/XX/XXXX until XX/XX/XXXX, which is fraudulent. They proceeded to attempt to open an XXXX account in my name. My attorney contacted them in XX/XX/XXXX to ensure they corrected the issue. I turned in a 60-day notice in XX/XX/XXXX and received at least two letters from the acting landlord in XX/XX/XXXX. XXXX has since gone back and forth about the authenticity of the letters, stating they didnt want to honor the letter since their employee was terminated. XXXX also alleged they did not receive documentation from my attorney. They contradicted themselves by claiming that I lived there until XX/XX/XXXX, which is false, and did not turn in keys and had extensive damage to their apartment unit, and then they received their keys. There were no damages to the unit, and I owe no cleaning fees. In addition to the fees being unauthorized and fraudulent, the company is listed as a collection/charge-off on my credit report. They are listing the account as open, which is incorrect. The account also has late payments, which makes no sense, and a balance, which is against the FCRA laws. I never received a 1099-C. The account has no outstanding balance because I moved out and left the account in good standing, and the charges are fraud. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-12-30
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: SYNCHRONY FINANCIAL (MS)

I have disputed several inaccuracies with XXXX XXXX XXXX XXXX XXXX XXXX I request bank transactions and proof that I was late with this creditor. The creditor never sent proof that I was late. The creditor has took over 30 days to update my account and Perfom an investigation. The creditor is illegally reaged my date active from dates.XXXX XXXX is missing date last active and your company has failed to do the proper investigation because if so you wouldnt allowed all those late charge offs from the creditor and i would not have XXXX different dates of last active these are FCRA violations XXXX To whom it may concern i am writing to dispute the following information on my credit report : These items are currently showing inaccurately on my credit report filed with the credit bureaus. Pursuant to 5 U.S.C ss 552a ( i ) ( 3 ) Im requesting that this disputed item be removed permanently from my credit report immediately. This statute states that any agency which fails to maintain any record with accuracy, relevance, timeliness, and completeness as is necessary to guarantee fairness in the determination shall not use such record. Please contact me at the email address below to let me know that you have corrected my credit report by removing the disputed items within. The next 30 days as stipulated by the FCRA. Thank you for your assistance with correcting this erroneous information on my credit report
Consumer complaint received 2023-09-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BARCLAYS BANK DELAWARE (CA)

On XX/XX/2023, my money was supposed to be transferred to XXXX XXXX XXXX  from XXXX  through XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the partner bank of XXXX has been holding all the money for XXXX weeks. 

Because the XXXX XXXX  and the beneficiary name/ account number don't match, Barclays is supposed recall the transaction and return all the money to my XXXX XXXX accounts.
Consumer complaint received 2024-03-20
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 : 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 2024-03-20
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. (TN)

I was looking at my credit report and noticed some inaccurate late payments on my credit report. I have 1 credit agency stating I was never late and another credit agency stating I was 30 days late with a payment. I paid this account as agreed. I have a 2nd credit bureau stating I was 30 days past due. I have bureau stating last updated XX/XX/XXXX and the other 2 reporting XX/XX/XXXX. There are to many inaccuracies on this account. It is hurting me in buying property and getting good interest rates. Thank you, XXXX XXXX
Consumer complaint received 2024-03-20
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. (MI)

This is my Follow up complaints in my request dated XXXX XXXX  that I have tried to resolve the issue regarding the account in my credit report. However until now I do not received any responses about my complaints. The account is listed below : XXXX XXXX Balance : {$82000.00}
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: National Credit Systems,Inc. (IN)

I have disputed this account multiple times and asked for proof of social security that was used for this lease, none was provided. My personal information was compromised at the time and this has held up my credit profile in a negative way. Please delete from my credit profile and release my personal profile from this debt. I will use the courts as needed to enforce my rights under FDCPA and other statutes. I look forward to and eventful resolution of this matter. Thank you
Consumer complaint received 2023-10-17
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. (FL)

I have been having this on going issue with these 2 companies sense XXXX XXXX these accounts do not belong to me and they need to be removed. per 15 usc 1681 b this is violating my rights as a consumer. Before I report this to the XXXX XXXX XXXX or attorney 's general I will give you all one more chance to reinvestigate this matter and resolve the issue properly.
Consumer complaint received 2017-11-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (CA)

My home mortgage was with XXXX XXXX. XXXX sold it to Nationstar/Mr Cooper ( XXXX XXXX XXXX XXXX, XXXX, TX, XXXX ) and starting XX/XX/XXXX ( Ref. loan # XXXX ), I have been paying Nationstar. So far I have not missed a singly monthly mortgage payment of {$1800.00} since I owned my home in XX/XX/XXXX. 

I got into financial difficulties and found it difficult to pay the county tax in XX/XX/XXXX and I contacted the county office. Their advice to me was that, the county does not take action unless I fail to pay for 5 years and I should be more concerned about paying my mortgage payments regularly. I did not pay county tax due XX/XX/XXXX and XX/XX/XXXX.. 

For reasons not made clear to me, Nationstar decided to pay the county dues of XXXX and to that added my next year dues and mailed me a monthly payment requirement of {$5200.00} starting XX/XX/XXXX. 

I contacted my lawyer for help and he advised that the dues to the county are far too small to justify legal counsel and I am better off trying to clear the payment to the county. 

I paid Nationstar my monthly dues and {$1800.00} in XX/XX/XXXX and XX/XX/XXXX on time. Instead of applying it towards mortgage payment, they placed the payments in an unapplied funds account. 

I had applied for a loan adjustment. 

I tried calling them repeatedly and send them emails listing my intent not to proceed with the loan modification and that I will pay the {$10000.00} to Nationstar and future property tax due to the county directly. 

I paid Nationstar {$10000.00} on the XX/XX/XXXX followed by an email and voicemail detailing on how I expect the payments to be applied. 

Today when I logged on to their website, I see that they have applied all my payments towards 2 monthly payments of {$5200.00} ( for XX/XX/XXXX and XX/XX/XXXX ) and the rest {$3500.00} as Additional Principal. 

How can a person with financial trouble make additional principal payments. The behavior of Nationstar/Mr. Cooper appears to be predatory and deliberate to force me and my family to be rendered homeless. I suspect the reason for this is due to the fact that my home equity is more than double the loan amount owed. Please help me resolve the issue.
Consumer complaint received 2024-03-20
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (NJ)

Credit Collection Services has been reporting a very old account on my credit report. It is old. It was paid to XXXX and should be taken off of my credit report. I do not owe any money and there is no reason why it should be reported. I don't understand the benefit CCS is getting from it being on there. Don't companies have to pay to report it? This just feels like harassment at this point. It needs to be removed immediately.
Consumer complaint received 2017-11-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (IL)

I was 6-8 payments behind 2 years ago, they offered a forbearance plan and told me not to pay until I received the final paperwork. They never sent it, the next notice I received was for foreclosure. So I ended up filing chapter XXXX bankruptcy so I could keep my home. Now 11 months and a divorce later and I am only 2 payments behind on the mortgage with the money to make the missed payments in my account, but they have filed a motion to remove the stay on the foreclosure. I am very angry and frustrated by this. They do n't want my payments they just want my home. 
Please help me, me and my family have no where else to go.
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Upstart Holdings, Inc. (CA)

This is my complaint for UPSTART NETWORK INC. I believe that my information is being misused and reported as inaccurate. In my credit report from XX/XX/2023, I found some derogatory items that I was not aware of. I found fraudulent charges and account with inaccurate information, such as payment history, status,, balance, and date of last activity. According to 15 U.S.C. Section 602 and 15 U.S.C. Section 604 A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-12-05
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: Experian Information Solutions Inc. (OH)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-10-17
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)

I have been having this issue since XX/XX/2023 and these accounts do not belong to me and were caused by identity theft/fraud. I have requested several times that the companies need to send me the debt of validation letter but they have failed to do so 3 times and that's breaking the law. per 15 usc 1681b as a consumer I know my rights and this is illegal. These accounts were not authorized by me at al and they should not be reporting. Before i report you to the business better bureus and my attorneys general I will give you all 1 more chance to reinvestigate this matter the right way.
Consumer complaint received 2023-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Self Financial Inc. (MI)

Your company is reporting an account on my credit report inaccurately. I have never opened or given permission to anyone to do so. How did you obtain my personal information? It Is Violating, Intrusive and Illegal. 

These accounts were opened fraudulently, I'm very upset that you have included this inaccurate information on my credit report. 
I have wrongfully been denied credit recently due to the intentional inaccurate information that has caused me a world of trouble financially and emotionally.
Consumer complaint received 2023-10-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BOEING EMPLOYEES CREDIT UNION (WA)

Attached are files from XXXX regarding XXXX XXXX XXXX and XXXX XXXX XXXX XXXX These were both allegedly covered by extended Insurnace; XXXX coverage, service contract, and XXXX XXXX XXXX through Lender. Please review all statements, receipts. I will also send information about Fraud Claim and others taken to XXXX XXXX XXXX XXXX and misuse of my alleged social security number, credit reports, and inability to have a normal finance experience or life.
Consumer complaint received 2023-12-19
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: EQUIFAX, INC. (CA)

was the victim of an Equifax breach, which resulted in the theft and unlawful use of my information and left me with a mountain of debt that needs to be fully wiped from my credit report.
Consumer complaint received 2022-11-15
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: EQUIFAX, INC. (PA)

XXXX and Equifax states XXXX verified a Bankruptcy. No Bankruptcy in XXXX data base. Delete Bankruptcy do NOT UPDATE! XXXX job denied because XXXX reported a Bankruptcy. FCRA violations XXXX XXXX XXXX, XXXX XXXX XXXX ( a ) et. al. Violation of privacy, no Permission to report without permission. Causing me injury to provide for family. Obey the law remove this from my credit report. Sent letter XXXX XXXX stating not verified, deleted from XXXX data bank. Possibly XXXX  and XXXX, my second complaint. Would like a statement from XXXX and Equifax under penalty of perjury they verified this bankruptcy! Delete immediately. Will fie complaint with the FTC to insure an unbiased reinvestigation and a removal of this bankruptcy off my credit report without prejudice.
Consumer complaint received 2023-10-17
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. (MI)

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 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 DEPT OF EDUCATION XXXX I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Consumer complaint received 2018-08-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: STERLING JEWELERS, INC. (CA)

I have been attempting to negotiate a settlement with XXXX XXXX for some time now, and each time I call I am told that they will not ever correct my credit report if I settled with them in full. 
I currently owe them {$830.00} which I am trying to pay under the condition that they report my account is satisfied in full and they remove the charge off as every other bank has while I have been repairing my credit. XXXX simply refuses to assist and offers no incentive to satisfy the debt owed. I am trying to fix my credit but have hit a wall of non compliance from XXXX who has never provided me with any written information or solution to settle my debt with them. I am in desperate need of help. 
I have been trying to resolve this since 2016 when my home was burgled and the purchase product was stolen and never recovered by law enforcement
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.
Consumer complaint received 2023-10-17
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. (TX)

Hi there. I checked my FICO score through my bank, XXXX XXXX. Upon reviewing the details of my score, I found that a XXXX XXXX XXXX with a credit limit of {$500.00} was on my account as an authorized user. However, I have no knowledge of this account, nor have I used the credit and made payments on it. Check the details of my bank account and you will see I have never made a payment to this card. I have never done business with any other bank besides XXXX XXXX. I have disputed this with Experian but resulted in correct information. However, this is incorrect because I do not have any information on this card or was aware of it in the first place. I have contacted XXXX to find information on this account but because I do not have an ounce of information, I can not find out who put me as their authorized user. I only have one credit card in possession and that is my XXXX XXXX credit card, thats it.
Consumer complaint received 2023-12-26
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

XXXX XXXX shows I have an account opened at Kohl 's and I never opened this account. It was charged {$1000.00} on XXXX XXXX. The company opened a fraudulent case for me.
Consumer complaint received 2020-07-27
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX  XXXX Company Inquiry : XXXX