davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SCA Collections, Inc. (CA)

I am in the process of trying to attain a home loan. The lender discovered a brand new collection dated   XX/XX/XXXX   from a company called "  SCA Collections , Inc ' ' on my credit reports. This collection is in the amount of {$200.00}. I 'd have gladly paid this if I knew I had any outstanding debts. I am alarmed becau se 1 ) I ta ke my FICO very seriously, having worked in  XXXX  fo r 15years, and   2 )  this debt collection company never reached out. I called them rep eatedly today (  X/X/17  ) an d a woman tried looking me up by my name, and by my social security number, and could n't find ANY debt associated with me. She explained it must have been a mistake, but she did n't offer any solution, and here I am with a poor FICO now. This is unethical. Please help. Thank you.
Consumer complaint received 2023-11-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (AZ)

I was alerted by one of my creditors that something was happening to my XXXX credit report, it is reporting a delinquent account that does not belong to me. Can you please help me investigate this and help me remove this from my credit report with all three credit bureaus, please? 

Columbia Debt Recovery - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, WA XXXX XXXX XXXX ( Original Creditor ) - XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX Collection Account Account # XXXX XXXX  amount {$4700.00} past due as of XX/XX/XXXX Original {$4600.00} Terms XXXX  Months Please help me, I am a victim of identity theft and have been having issues with fraudulent accounts on my credit reports since XXXX. 

Thank you so much for your help
Consumer complaint received 2023-11-27
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: EQUIFAX, INC. (IL)

XXXX XXXX XXXX repossesion on credit report should be removed from all three credit bureaus XXXX havent made a payment to this company in XXXX since the repossesion this needs to be removed time has lapsed on allotted time for reporting i never made any payment in XXXX  disputes have been filed but not honored to all credit bureaus
Consumer complaint received 2023-08-29
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. (AZ)

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 2024-03-15
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)

On XX/XX/XXXX I called experian And i spoke with a XXXX for about 10 mintues she was very hostile I explained to her my situation and explained to her How i filed a complaint with the CFPB. COMPLAINT NUMBER XXXX back in XX/XX/XXXX and I told her experian responded and stated this 'DESCRIPTION OF NON-MONETARY RELIEF Per your request to conduct a reinvestigation, we contacted the data furnishers vendor for disputed item on your Experian credit report and asked them to verify the accuracy of the information with which you disagree. They responded and verified the information is not listed on your Experian credit report. The results summary was sent to you for review on XX/XX/XXXX. ' i WILL ALSO PROVIDE DOCUMENTS IN SCREETSHOT.

XXXX stated she dont see where it was ever removed but as i stated i have the call when I reached out to experian confirming that the account was removed XX/XX/XXXX. So i asked XXXX do you mind being recorded she said No i dont give you authorization to be recorded ( sounds fishy ). I asked her do she have record of the cfbp complaint i filed so we can go over it so she can look at what her company responded and said she stated " NO SHE DOESNT HAVE RECORD " AGAIN WHICH IS SUSPECT.
Consumer complaint received 2023-11-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: United Shore Financial Services, LLC (FL)

I am writing to dispute the continue mortgage fraud that United wholesale mortgage has been creating against for over one year ; over a period of one year United wholesale has violated our mortgage agreement despite repeated requests, United wholesale mortgage continue to create serious issues against us that are creating economical stress, XXXX  XXXX  and XXXX, and also affecting our credit score and history. 

As you can see here in our previous claim history, this has been a personal perpetuated attack and violations to our rights. We are disputing the amount that UWM claims is owed according to the monthly mortgage statement, and disputing all late fees that we dont owe. As a result of the failure of UWM to honor the XXXX XXXX XXXX approved on XX/XX/XXXX We have spoken with different executive team members and customer service about setting a XXXX XXXX XXXX  On XX/XX/XXXX we received a letter about approval of the XXXX XXXX XXXX and an email confirmation of approval on XX/XX/XXXX ( SEE ATTACHMENT ) which includes : Your total monthly payment of {$1100.00} is due on XX/XX/2023. 
The day of XX/XX/XXXX we received a notification about being default consists of your failure to pay the monthly mortgage payments due beginning XX/XX/2023, until the present. The total amount due to cure the loan may also include sums for unpaid escrow deposits and late charges. The total amount due as of the date of this letter is {$8100.00}. 
We immediately contacted executive team members and customer service the following dates and several times : XX/XX/XXXX at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( please see attached ) Every time I had to narrate the whole story and on the last call on XX/XX/XXXX, I was reassured that my account will be updated accordingly. 
As of today XX/XX/2023, my mortgage account has not been updated according to the XXXX XXXX XXXX and shows past due amount since XX/XX/2023, because of the failure and lack of responsiveness of UNITED WHOLESALE MORTAGE
Consumer complaint received 2023-11-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX XXXX I lost my phone and same day there were two transactions which I didnt authorize, moreover, I even dont know the names of these people to whom funds where transferred from my bank account ( bank of america ) by using XXXX : XXXX XXXX {$300.00} XXXX XXXX {$150.00} XXXX XXXX {$150.00} ( this one was transferred on XXXX XXXX, I have not authorized this transaction and I dont know this person as well ) Total of {$600.00} disappeared from my bank account ( bank of America ) . I have opened a fraudulent claim with Bank of America, after some time they denied the claim by saying it was valid transaction since it the transaction performed through a device from which transactions were performed before, they ignored my statement that I lost my phone and that Im sure that I never authorized those three transactions. I have been sending them evidences to Bank of America that I lost my phone, that I bought new one, as well as new cellphone number, in order to reopen the claim. Bank of America keeps denying and not considering my evidences. The claim has been reopened and closed 3-4 times already. Im tired of it. Seems like Bank of America supports fraudulent activities, doesnt care about their clients money, maybe they did these transactions themselves, maybe some Bank of America workers . I dont feel like Bank of America is safe and I cant rely on them anymore. I want to close my account with them and go to another bank, but before I do so, I need to receive the refund of {$600.00}, please help me. I sent Bank of America enough of significant evidences and the bank did not provide anything, they just keep saying that they cant refund because it was valid transaction through valid device and keep rejecting my words and my evidences that it was not me. Thank you in advance
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IN)

I have made multiple disputes to have a bankruptcy file from XXXX removed from my credit report. The XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX have reported this information : U.S. BANKRUPTCY COURT XXXX XXXX CASE ID # XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX IN XXXX Phone : XXXX Type : :XXXX  XXXX BANKRUPTCY XXXX Date Updated : XX/XX/XXXX Date Filed : XX/XX/XXXX Court Type : US Bankruptcy Court Date Updated : XX/XX/XXXX Date Paid : XX/XX/XXXX These credit bureaus/reporting agencies are privately owned companies and have collected and posted my data without my knowledge or permission. I have reached out to the U.S. Bankruptcy Court about this issue and they responded as such, " the court does not provide any information directly to third-party information gatherers. " ( See attachment documentation ) I supplied this information to the reporting agencies and they still refuse to remove this information. In accordance with the Fair Credit Reporting Act, Section 1681 ( a ) ( 5 ), any case, civil or otherwise dismissed, no longer exists in the eyes of the law, and therefore the credit reporting agencies have no right to maintain this information which the government has deemed non-existent on my report. It is only causing harm to my person to obtain employment and better housing by lowering my credit score
Consumer complaint received 2024-03-15
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. (IN)

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (NY)

I received a letter from NewRez recently saying that my homeowners insurance had expired. Something has gone seriously wrong since NewRez took over our mortgage in the summer of 2023. XXXX, the insurer, has billed me for the policy because they have NOT received the payment through the escrow account. 

Last week I was able to get a NewRez customer service rep on the phone, and they told me NewRez had tried to contact XXXX XXXX times in XXXX. I talked to someone at XXXX who checked and said there was no record of NewRez contacting them about my account. Then I emailed a copy of the XXXX bill to NewRez. Today I am trying to reach NewRez to follow up, but when I call the XXXX service numbers, XXXX XXXX and XXXX, on each number an automated system keeps asking the same questions, then saying " goodbye '' and disconnecting. 

I am very concerned about whether NewRez has also failed to pay my property taxes out of the escrow account.
Consumer complaint received 2024-03-14
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. (TX)

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 that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-24
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)

The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. I can't purchase anything as this information is defemation of character.
Consumer complaint received 2022-12-13
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)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 


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 furnis a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of informatio other than records of convictions of crimes which antedates the report by more than seven year 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to an consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-15
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)

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-08
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. (DC)

Privacy and Confidentiality under 15 USC 1681 XXXX - XXXX ; XXXX XXXX XXXX ; XXXX- XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-11-27
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NY)

I was trying to use the card on XX/XX/XXXX at XXXX for approximately {$200.00}, with a card with an available balance of {$370.00}. The purchase was declined. When I spoke to customer service I was given the run around and told the merchant was declining the transaction. I then went a used the same type of card with a different card number at that merchant and the transaction when through so this was not a issue with the merchant it's American Express blocking a large transaction. On their website it says the card needs to be used at an online merchant that asks for the number, expiration date and security code which XXXX does. This means American Express is just arbitrarily blocking the use of my money and telling me how and when I can use it. They are stealing people 's money and it is not ok. 

*EDIT : I just tried to use the card online for a lesser amount and it was approved further noting it is not the merchant it is American Express setting unrealistic guidelines.
Consumer complaint received 2022-11-24
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)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted 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
Consumer complaint received 2017-04-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NJ)

Describe what happened so we can understand the issue ... 
I have been disputing multiple fraudulent accounts on my credit reports with Experian, XXXX and XXXX to no avail. I have sent in verifiable proof multiple including identity theft affidavit and police reports, yet the credit report agencies have not deleted this information in over a year of multiple dispute attempts over the past two years. 

They continue to state that these accounts have been verified by the creditor but when I ask for proof of verification, they never send the proof to me to validate their results. These are all fraudulent accounts! I am in process of filing a lawsuit against these reporting agencies if they do not delete these accounts. I have been harmed by their misrepresentation and my credit has been destroyed
Consumer complaint received 2024-03-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2023-11-27
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

There are numerous capital one hard inquiries on my credit file. These inquires are fraudulent. I have submitted a ftc identity theft report and contacted transunion and they will not remove them. I have not applied for credit with capital one. Please have these removed to reflect fair credit reporting. Capital One Auto Finance: 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 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion dropped my credit score by XXXX for an increase of {$160.00} on XXXX credit cards combined. 
XXXX dropped my credit score by XXXX points for an increase of {$160.00} on XXXX credit cards combined. 
XXXX dropped my credit score by XXXX points for an increase of {$160.00} on XXXX credit cards combined. 

But yet when I make a payment they only credit me XXXX point on my credit score. This is not legally binding to do to a consumer. Please investigate them all immediately. No one 's score should drop this much for {$160.00}.