davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Northstar Location Services, LLC (VA)

Northstar location services repeatedly calls from different numbers throughout the day and while I am at work even though I've asked for a validation of the debt and not to be called until I receive that where I will then call them back. They refused to identify who they were or what they were calling about until I gave them personal information. The person calling keeps changing numbers to call me in an attempt to confuse me as well as not following through with the sending of the debt validation. So far I've had 3 separate numbers calling including ( XXXX ) XXXX, ( XXXX ) XXXX, and ( XXXX ) XXXX
Consumer complaint received 2016-03-24
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Hi my name is XXXX XXXX, I have a loan with NationStar Mortgage and ive been trying to get a loan modification from them for some time now. I have gave them all requested documentation and I have a sale sate scheduled for this property on XXXX/XXXX/16. I 'm worried that they will not postpone the sale date due to some odd regulation they might make up on the way to just sell my home. I do n't know how much longer I will have to be working with them to receive a loan modification. Please help me to receive a good modification for my home so that I could pay my mortgage. I also have read and see that my servicer is in violation of my XXXX XXXX XXXX of Rights. 
I really want to work with them and I want them to do the same. I do not want them to play games and give me a loan modification that will be higher then what I used to pay before. ( It seems as though that 's what every company is giving out these days. My friends complaint about this issue too and im really hoping that we can get this resolved. 
Please help with the sale date its very close. 
Thank you for your time.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I am writing to express my deep concern regarding the violation of my rights by your organization. Despite providing you with accurate personal information, I have discovered that you have displayed inaccurate information on my credit report. This has caused significant inconvenience in my life, including missed job promotions, higher interest rates, and even denials for housing opportunities. Such inaccuracies have had a detrimental impact on my financial well-being and overall quality of life. I demand that you immediately rectify this situation by removing the inaccurate information from my credit report and taking the necessary steps to ensure such violations do not occur in the future. Additionally, I expect to be compensated for the losses and distress I have endured due to your organization 's negligence. I trust that you will promptly address this matter and provide a satisfactory resolution. 


Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-19
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. (MD)

I, XXXX XXXX XXXX, am writing to inform you that I am a victim of a data breach or fraudulent accounts, as per the provisions outlined in FCRA Sections 605B, 615 ( f ), and 623 ( a ) ( 6 ). This letter serves as a formal request for the permanent removal of fraudulent information resulting from unauthorized accounts appearing on my credit report. 
1. Reported without valid evidence XXXX XXXX XXXXXXXX Account Number : XXXX Please delete from my credit report immediately 2. Reported without valid evidence XXXX Account Number : XXXX Please delete from my credit report immediately I have reported this incident to the Federal Trade Commission and have attached a copy of the filed complaint to this letter. 

These fraudulent information should be deleted from my credit report in the next 5 days. Please see the attached file.
Consumer complaint received 2024-03-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

Without fail, I've kept up with timely payments on this account, preventing any instances of overdue payments. I'm unclear about the rationale behind the late payment remarks on my accounts. Per 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2024-03-19
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. (NY)

I, XXXX XXXX XXXX, am writing to inform you that I am a victim of a data breach or fraudulent accounts, as per the provisions outlined in FCRA Sections 605B, 615 ( f ), and 623 ( a ) ( 6 ). This letter serves as a formal request for the permanent removal of fraudulent information resulting from unauthorized accounts appearing on my credit report. 
1. Reported without valid evidence XXXX XXXX Account Number : XXXX Please delete from my credit report immediately 2. Reported without valid evidence XXXX XXXX Account Number : XXXX Please delete from my credit report immediately I have reported this incident to the Federal Trade Commission and have attached a copy of the filed complaint to this letter. 

These fraudulent information should be deleted from my credit report in the next 5 days. Please see the attached file.
Consumer complaint received 2018-08-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

So my wife and I are in a tough spot. On XX/XX/16 last month my wife accidentally paid her {$310.00} car payment early. She made two payments at the same time. This created a snow ball effect the rest of the month that amounts to nearly {$300.00} in overdraft fees. 
On Friday XXXX my wife called Bank of America to explain what happened and that we really needed that money so this doesnt just keep spiraling month after month. They told her no. Stating the reason that they are authorized charges.
Consumer complaint received 2023-11-18
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: SYNCHRONY FINANCIAL (FL)

I have a credit line with XXXX and I sometimes use this credit line for emergencies. On XX/XX/XXXX I received several notifications of fraudulent purchases being made on my XXXX  credit account and I immediately launched an investigation with the company. It seems that these purchases caused a hard inquiry on my credit which I did not authorize. The purchases are still being investigated by XXXX, but this is now affecting my credit score, which I have fought hard to keep clean.
Consumer complaint received 2024-03-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (MO)

Wakefield and associates collections Date opened XX/XX/year> Balance {$1200.00} Original balance {$1600.00} Bill should have been sent to my insurance company for payment. It was not do to my negligence
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-03-19
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. (CT)

An account with discover was opened using my social years ago, I reported it to the credit card company, the credit bureaus, cfpb, and my state attorney general and it got removed. 

The only credit report it shows up on is experian. 

No other bureau has it on the report. 

It is now showing up BACK UP on my report and NEEDS TO BE REMOVED IMMEDIATELY. 

This account is fraud and experian is in violation YET AGAIN 15 U.S. Code S 1681c-2. " A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identify theft, no later than XXXX business days after the date of receipt. '' It has been MORE THAN 30 days and you are in VIOLATION of this law because I am a victim of identify theft. Please delete these items IMMEDIATELY. 

I AM CONTACTING MY STATE ATTORNEY GENERAL, CFPB and logging ALL POSSIBLE COMPLAINTS AGAINST XXXX XXXX AND EXPERIAN. 

REMOVE THE ACCOUNT TODAY.
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being.

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-03-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NY)

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 2024-03-19
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible.
Consumer complaint received 2023-04-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX  XXXX Balance : {$30000.00} XXXX XXXX XXXXXXXX Balance : {$30000.00} XXXX XXXX XXXXXXXX Balance : {$30000.00}
Consumer complaint received 2023-10-16
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: ALLY FINANCIAL INC. (GA)

On XX/XX/2022 Hard Inquires was pulled from my Credit Report from XXXX XXXX, XXXX XXXX XXXX without my consent. I sent letters 2 months ago to the consumers asking for verification & have not got any response.
Consumer complaint received 2023-06-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Aqua Finance, Inc. (CA)

My loan payments are due the XXXX of every month and for convenience I chose automatic payments. I finally read XXXX of my statements and realized the balance wasn't going down. Around XX/XX/XXXX I spoke to XXXX from Aqua Finance resolution department to discuss interest fees 13.99 %. I found out that out of the {$650.00} I pay every month only {$100.00} is being applied to the principal balance of {$47000.00}. I've had the loan since we started building our pool in XXXX. I spoke to XXXX about refinancing the loan and she said that it wasn't an option and that interest had accrued since before the pool build was completed. So it seems like I'm just paying back interest and the loan will never be paid back if only {$100.00} is being applied each month to the balance. I asked her if I could pay half {$320.00} twice a month and she sent me the link for Pay Near Me so I am able to do that. However, my husband began getting calls that we were behind on payments and they started charging a {$10.00} late fee. They said if they don't received full payment within 15 days they automatically charge the late fee, I was still making the total {$650.00} payment by the end of each month.
Consumer complaint received 2023-11-07
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. (TN)

I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.
Consumer complaint received 2023-11-28
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRUIST FINANCIAL CORPORATION (CA)

There where credit cards and bank accounts fraudulently opened in my name with truist I seen the inquiry months ago and filed a identity theft report I also filed a complaint on cfpb and they still allowed accounts to be open in my name I would like this account deleted and removed off of my credit report and off of my name thanks My ssn is XXXX
Consumer complaint received 2023-06-09
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. (SC)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

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
Consumer complaint received 2016-04-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CO)

First of all, I never chose Nationstar as my mortgage company. I do not believe anyone in their right mind would chooses them. They are criminals!! Nationstar refuses to release my insurance claim funds for a claim on severe flood damage. It was supposed to take 3-5 business days and it has now been 17. My XXXX children have been living in a dangerous gutted house since XXXX/XXXX/15. This has been a very urgent situation and Nationstar has done absolutely nothing to help with this situation, they have only added more obstacles. As soon as this repair is complete, I will re-finance with another mortgage company. I will do everything I can to ensure that Nationstar is the XXXX.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX XXXX
Consumer complaint received 2023-06-01
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (MS)

Comenity bank has mis-allocated funds paid towards promotional plans. Payment have been applied as purchases, thereby increasing the balances owed higher than the original purchase. I had a plan from XX/XX/XXXX - XX/XX/XXXX. I have paid that in full, but each time I have called and spoken to a representative to have funds specifically allocated to that account, the payments have been applied as purchases rather than a credit to the amount owed. That account is in dispute, but on my statements from XXXX, XXXX and XXXX, payments intended for another promotional plan that was dated XX/XX/XXXX - XX/XX/XXXX were applied to the paid in full account which expired in XXXX ( XXXX on my XXXX statement, and {$260.00} in XXXX. ) The original purchase price was {$960.00}, but the balance now shows as {$1300.00} Comenity Bank stated that I would not have to pay anything towards the disputed amount, but their system has automatically applied that money to the disputed plan and they refuse to move it despite their stated policies. For the account expiring on XX/XX/XXXX, {$260.00} was moved from the funds designated for that and also applied toward the paid account in dispute in XXXX of XXXX. In XXXX, that balance was {$940.00} and in XXXX it shows as {$1200.00}. If I am making large payments every month, how can that be? The statements clearly show purchases instead of payments or credits. They refuse to do anything about it except to dispute the charges. How is one supposed to obtain a correct balance due to these erroneous payment allocations? Further, they had changed their allocation rules in XX/XX/XXXX, so, in essence, they changed my contract during the life of the contract. I need some assistance to resolve this matter. This is not ethical, I believe illegal, and certainly a deceptive practice in order to force the consumer to pay interest on what was originally stated to be an interest-free program. Please see the attachments to illustrate the errors and allocations I have described.
Consumer complaint received 2023-05-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: SW Linear Investment Group, LLC (TX)

I purchased the car with a XXXX down payment, I was not aware that it was balloon payments. I have already paid in about XXXX dollars into a car that is only worth about XXXX dollars because my interest rate is 22.03 % I am honestly drowning because of ridiculous monthly payment of XXXX and am nowhere close to being down paying this car off.