davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any Items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$24.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$590.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$2400.00} ; XXXX XXXX ( Original Creditor : XXXX  XXXX ) XXXX Balance Owed : {$310.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$1800.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-11-21
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. (FL)

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items XXXX XXXX  Account Number XXXX XXXX DEPT OF EDXXXX Account XXXX XXXX  XXXXXXXX XXXX Account Number XXXX XXXX Claim number for data breach : XXXX Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from. my credit reports. List all those negative accounts from your Equifax credit reports.
Consumer complaint received 2023-06-15
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. (MI)

I have found incorrect information and a fraudulent account furnished by a credit reporting agency. I have called/emailed and mailed out information to all credit reporting agencies with the correct information for update. After waiting months for them to update my information, it appears no update has been made. This is in violation of my rights as a consumer and therefore mark grounds for deletion. All information reported must be accurate according to the FCRA. 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. States a consumer reporting agency can not furnish any account without my written instructions. This has caused great damage to my credit report and needs immediate attention. XXXX XXXX # XXXX is the fraudulent account that needs attention please.
Consumer complaint received 2018-09-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Protection Association, L.P. (TX)

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against Credit Protection Associates. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.
Consumer complaint received 2022-12-19
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXXXXXX ( Account number XXXX, Date opened XX/XX/XXXX, Original balance {$740.00} ), XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1400.00} ), XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1400.00} ), XXXX, ( Date Opened : XX/XX/XXXX, Balance : {$830.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$5100.00} ), XXXX XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$5100.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$24.00} ), XXXX ( Date Opened : XX/XX/XXXX, Original balance {$4400.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2018-09-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (NV)

TRANSWORLD SYSTEMS has reported a collections on my report. They have reported a MEDICAL BILLING on my credit report. I have sent over repeated letters by certified mail and that have not responded. They have not validated the debt upon written request. They continue to Report this claim. XXXX claim that have received validation from t he creditor and have kept this derogatory remark on my report despite my multiple letters to them as well.

PLEASE Be advised that pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sect. 809 Both TRANSWORLD SYSTEMS & XXXX  are in both violations of the 1996 Hippa Act, The law clearly states they must provided Evidence/proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.

Proof that you are registered to transact business and/or collect in my state.

Proof of your authorization by law for your collection of information.

Evidence of whether this debt was assigned or sold to : TRANSWORLD SYSTEMS PLEASE Be advised that pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sect. 809 ( b ) that your claim is disputed and validation is requested.

Any Evidence of Medical Billing is a violation the HIPPA ACT 1996 TITLE II PRIVACY AND SECURITY which are a set of regulations and guidelines for the electronic transmission of healthcare data, and sets up guidelines for the code sets used in medical billing and coding.

ANY MEDICAL INFORMATION AND INCLUDING MEDICAL BILLING MUST HAVE A HIPPA RELEASE FORM.

Having Any Of My Medical Information Is A Violation Of Hippa Law. Legal Action Will Proceed.

Collection Agencies do not fall under Health Information Exchange ( HIE ) Which pertains only to Doctors, Nurses, Pharmacist other Health care providers to access and securely share a patients vital medical records.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IN)

Please assist in deleting these items from my credit report 4 days after you receive this notice. I'm willing to accept the deletions of the unauthorized erroneous items instead of taking legal action for the violations you clearly made. 

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this.
Consumer complaint received 2023-09-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: AMERIS BANCORP (VA)

XXXXLOAN NUMBER XXXX I requested Closing Documents for both the initial purchase of the home and the modification of the agreement on XX/XX/23 to include all terms and revised payments but only received the original Closing Documents. I called back on XX/XX/23 to have this corrected but when I called in on XX/XX/23 I was told that this was never done. I was then told to email XXXX to make this request. 

I have already done so but at this point I am asking the CFPB to oversee this process as I am being told to do something different each time with no results. 

Please help.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions 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 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 2024-03-18
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. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since it has been over XXXX days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-03-18
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. (GA)

I have recently within the past two or three months disputed this information FROM XXXX XXXX ACCOUNT # XXXX that popped out of nowhere, as not being mine and not belonging to me. Also to add this account seems to be a corporate account which is not mines and is reporting in my personal consumer credit file. I have contacted XXXX and Experian in regards to this fraudulent account and they are clearly in violation of my rights and FCRA for reporting this fraudulent information in my consumer credit file. It is not reporting in my XXXX file because when contacted them they clearly understood that this account was not mines and removed it immediately. This is causing me Great personal harm and making it extremely hard for me to obtain any type of new credit in my name.
Consumer complaint received 2018-04-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (AZ)

Ive been always paying my mortgage on time. In XX/XX/XXXX, for some reason, the mortgage company didnt receive my payment on time. The payment was a check from my bank account which was mailed to the Mortgage Company by XXXX XXXX. The mortgage company mailed me a Delinquent Notice. When I called them, they said that they did not receive the check. The manager who I was talking to her on the phone, suggested me to put a stop payment on that check and she charged my debit card over the phone for XX/XX/XXXX payment. I did that. She also charged me a late fee. I told her it was not my fault that the check was lost. But she charged me late fee anyway. 
Since then, they keep sending me letters and calling me for being behind on my payment. They keep charging me late fees. They are threatening me to report the late payment to the credit companies. Ive been on the phone with the mortgage company almost every week since XX/XX/XXXX. I emailed them a copy of my bank statements showing that the money came out of my bank account and was sent to the mortgage company every month. I also emailed them a copy of the confirmations showing that they received the money every month. But I couldnt fix the problem. I talked to and emailed the supporting documents to several managers but every time, there is a new person and he/she has no record of my previous emails and conversations. I have to send the supporting documents again and again. 
I also contacted XXXX XXXX and I called the mortgage company from XXXX XXXX branch. A banker and I talked to a manager at Loan Care and the banker told her that I made my payments every month. But she didnt listen. I filed a complaint with XXXX XXXX. XXXX XXXX mailed me the Transaction ID # for 2 of my payments. They said the third Transaction ID # is from a different department and they will mail it to me. I am waiting to receive the third Transaction ID # from XXXX XXXX in the mail. I dont know what else to do?
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. (TX)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2023-03-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Law Offices of Mitchell D. Bluhm & Associates (OH)

MBA LAW is listed on my credit report for owing a debt originally owed to XXXX XXXX in the amount of {$1400.00}. There is also a similar account on my credit report by MBA LAW for owing a debt originally owed to XXXX XXXX in the amount of {$610.00}. This is for supposed medical bills that were billed during a time period when I was covered by health insurance. I was unaware of this issue until this account showed up on my credit report and negatively impacted my credit history and credit score. I attempted to contact the original creditor who refuse to provide any information pertaining to this " debt '' and was told to contact MBA LAW. I contacted MBA LAW over 35 days ago and requested all information pertaining to this matter in writing, the collected my mailing information and I still have not received the documentation I requested. 

I understand the company has a certain amount of time to respond and was told that my paperwork would be sent via mail within the next few days. I still have received nothing over a month later. This account needs to be removed from my credit report!!
Consumer complaint received 2024-03-18
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. (GA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2018-07-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (VA)

Again Mr. Cooper has scheduled a foreclosure sale on my house for XX/XX/XXXX. Mr. Cooper is a registered mark service for Nationstar Mortgage still operating it's business as Nationstar Mortgage. Severally in the past Mr. Cooper asked me to submit same documents over and over again which were immediately submitted but were not utillised for the purpose intended that is to modify my HAMP Loan modification I applied for in XXXX. Instead Mr. Cooper engaged in telling lies, made false statements, gave deceptive information and bogus figures that could not be substantiated. Also, Mr. Cooper tried very hard to steer me away from the HAMP Loan Modification I applied for in XXXX. Mr. Cooper never conscientiously try to help me modify my loan so that I could stay in my house. Instead Mr. cooper engaged in looking for any rabbit hole it could find all in an effort to justify itself why it could not modify my loan. Is even more so now not giving me any justifiable reason or reasons why my house is scheduled for foreclosure sale on XX/XX/XXXX. It is obvious that Mr. Cooper 's goal is to sweep my HAMP Loan modification I applied for XXXX under the rug. Mr. cooper can not unilaterally resolve my HAMP Loan Modification because The HAMP Modification Program guidelines specifically stated to  resolve a loan under the Program it has to be bilaterally resolved and not unilaterally resolve. To do so is a violation of the HAMP Loan Modification Program guidelines. Also, Mr Cooper again is violating the Virginia Bankruptcy Law by repeatedly touting me with a voluntary payment in the amount of {$460000.00} which is illegal. I filed for bankruptcy in XXXX and my wife filed for bankruptcy in XXXX and both were discharged. XXXX XXXX XXXX XXXX in it's letters six of them, context the same that I received on XX/XX/XXXX said please find enclosed advertisement as published in XXXX XXXX XXXX. In all six foreclosure sale letters I received I could not find any advertisement as claimed by the Trustees, a false claim.
Consumer complaint received 2018-06-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (TX)

I've asked multiple times for copies of the paperwork that show the scheduled sale of my home has been cancelled. My loan is current. Mr. Cooper has refused to provide those. I continue to be harassed by their actions as servicer and inability to provide me with what should be readily available info
Consumer complaint received 2023-02-25
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. (NJ)

I submitted a letter to the XXXX Credit Bureaus on XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX : {$46.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXBalance : {$1800.00}
Consumer complaint received 2023-04-12
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. (TN)

XXXX of  XXXX and XXXXXXXX XXXX failed to comply and follow federal law of the 15 US Code 6802 with respect to my personal privacy and disclosure to my own information. 

These Banks and financial information never afforded my the opportunity to opt out of disclosing my person information to a third party consumer agency pursuant to : 15 code US 6802. 

a ) Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

These hard inquries were reported to All XXXX major Credit agencies : XXXX, XXXX of XXXX XXXX and XXXX XXXX Exquifax -XXXX XXXX According to Federal Law these Financial institutions did not have my written consent to disclose my personal information pursuant to any would be transaction between myself and the creditor associated to these inquiries.
Consumer complaint received 2021-04-03
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. (CA)

There are XXXX accounts on my credit report that are not mine I have been disputing these since XX/XX/2020 I have not receieved anything back from the bureaus regarding this I have filed an FTC and still nothing back from the furnishers or the bureaus I need this resolved asap. This is not ok to be dragged around like this for someone elses mistake. 

XXXX XXXX XXXX - Acct # XXXX {$1400.00} XXXX XXXX XXXX - Acct # XXXX XXXX {$0.00} XXXX -Acct # XXXX {$0.00} XXXX - Acct # XXXX XXXX {$0.00}
Consumer complaint received 2018-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL (DE)

I have called XXXX XXXX XXXX Visa to request a credit balance refund of {$7700.00} refunded to me and mailed to me that Synchrony has been hold on to on a closed account for weeks and i have not received this credit refund check on my account XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.