davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO REPORTING FALSE ALLEGE DEBT ON MY CONSUMER REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS WHICH IS A DIRECT VIOLATION OF THE FCRA. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2018-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK (MD)

I contacted Discover Card on XX/XX/2018 to see if there was any offers or opportunities to lower my interest rate. After speaking with an agent, she offered to apply an additional {$25.00} to my principal if I made a one time payment on my account at that moment. I asked the agent if this would result in a double bill since I enrolled in auto pay. The agent said no, it is illegal to bill me twice in the same month. After agreeing to it, I noticed on XX/XX/2018 my checking account was missing an additional {$200.00} which was the result of being billed again by Discover. After calling in to report this and ask for a refund, I received subpar service and was told that a refund check would be mailed out in 3-7 business days which caused me to miss my student loan payment. I asked repeatedly if there was any way to overnight my refund and I was told no, it's against their policy, despite the fact that they provided inaccurate information. The response was totally inappropriate given the situation. As of today, XX/XX/18, I still do not have the {$200.00} that they illegally took from me.
Consumer complaint received 2024-03-18
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-09-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Harley Davidson Financial Services Inc (TX)

Payment History is negatively reported late on each of these months, they threatened to take the property over and over by mail. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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.
Consumer complaint received 2018-09-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

Back on XX/XX/2018, I sent Portfolio Recovery XXXX a letter stating that this is not my account when I look at my credit report it reports that I open the account in XX/XX/XXXX, that i not so. I currently have a credit card with XXXX XXXX paid up to date which I had for two years. I sent out a cease and desist letter the continued calls after the had received the letter. They now has put me in collections when I do not owe this company Portfolio Recovery XXXX I did not sign anything with this company I have an open an account with the company XXXX   XXXX, the have yet to prove to me that I own them nor how much they purchase this account for. I would like for the to remove me out of collections on three credit bureaus. I sent them a second letter on XX/XX/2018 and never received a response from the at all. Please help to remove them of all 3 credit bureaus. 

Thank you XXXX XXXX
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. (IL)

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.

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 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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.
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Under USC 1681g, I request that you remove these fraudulent accounts from my credit report within 15 days. These accounts do not belong to me and I have no knowledge of them. I have attached the necessary documents for your review.
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. (TN)

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. in addition, the open dates, date of last activities and much more are also incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly which they have failed to do. 


Experian Accounts, Account name 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 2024-03-18
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. (MO)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-03-18
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc. (TX)

Dear Experian and XXXX XXXX XXXX for the amount {$810.00} I am writing to dispute certain information on my credit report, as provided by Experian and XXXX XXXX XXXX, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and the Health Insurance Portability and Accountability Act ( XXXX ), specifically referencing 15 U.S.C. 1681b and 15 U.S. Code 1666b.

Upon reviewing my credit report, I have noticed inaccurate information that appears to violate my rights under the aforementioned statutes. The disputed items are as Furthermore, I believe that the inclusion of this inaccurate information on my credit report may be a violation of my rights under the FCRA and XXXX, as it pertains to medical information. 

I am formally requesting that Experian investigate these disputed items and correct any inaccuracies or incomplete information as soon as possible. Additionally, I request that you provide me with a copy of my updated credit report once the investigation is complete. 

Please be advised that under federal law, you are required to conduct a reasonable investigation into any disputed items on my credit report within 30 days of receiving this dispute letter. 

Enclosed with this letter are copies of relevant documentation supporting my dispute, including but not limited to [ list any supporting documents you are including ]. 

I appreciate your prompt attention to this matter and look forward to a timely resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-03-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

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
Consumer complaint received 2018-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (NJ)

Promptly and timely filed complaint made via telephone to American Express on or about XX/XX/2018, in regards to a lost credit card and a couple of fraudulent charges on my account, the account number was transferred to a new card number. Reported the charges to American Express as follows : all posted on XX/XX/2018, {$52.00} XXXX XXXX, {$170.00} XXXX XXXX XXXX, XXXX XXXX {$89.00}, XXXX XXXX XXXX {$67.00}. I was advised I was not responsible for fraudulent charges. Somehow, American Express coded my dispute incorrectly and sent me four letters dated XX/XX/2018, with copies of the credit sale and that the dispute was being closed.
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. (AZ)

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 2023-05-07
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. (FL)

I noticed on my consumer report that there was an XXXX XXXX XXXX XXXX that I never opened. I have submitted my theft affidavit and I need this account closed and removed because it is not my account.
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. (MN)

In accordance with the Fair Credit Reporting Act XXXX 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 an account without my written instructions.
Consumer complaint received 2023-11-07
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. (OK)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXXDEPT OF ED XXXX Balance : {$3300.00} ; XXXX/DEPT OF ED XXXX Balance : {$1900.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$5800.00}.
Consumer complaint received 2023-05-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: REGIONS FINANCIAL CORPORATION (FL)

This complaint is for Regions Mortgage. I am currently a co-signer on a mortgage for property located at XXXX XXXX XXXX XXXX, XXXX, Fl XXXX. My niece XXXX XXXX makes the payments. As stated above, I am the co-signer ( XXXX XXXX ) for this mortgage loan. When my niece does not pay the mortgage on time and is over 30 days past due, Regions sends a derogatory remark to my credit report, as co-signer. I have called Regions Mortgage numerous times and asked that they call me and notify me when the mortgage payment is over 10 days past due so i can follow up with my niece or make the payment. They tell me that under the law they do not need to notify me however the reason why I'm filing this complaint is that they should be notifying me when a payment is late as I am the co-signer and responsible for the payment if my niece does not pay. They are hitting my credit report and I would not think this is legal under the fair credit reporting act. I appreciate your assistance on this matter.
Consumer complaint received 2018-05-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (MO)

This complaint is in conjunction with a previous complaint I filed against my previous mortgage lender, XXXX. 
I filed a complaint against them for an unauthorized unapplied funds account due to their error and never notifying me. They shorted me {$1400.00} on my escrow account and then transferred my loan to Mr. Cooper. Mr. Cooper failed to notify me that they were my new lender and so my payment was late. And then they continued to raise my monthly payment stating I was short. After I conducted my own investigation and found the discrepancy, XXXX made good and forwarded the {$1400.00}. 
However, prior to that XXXX sent a letter stating that if I paid them {$1200.00} my account would be good and I would not owe anymore money. I did this. The {$1400.00} XXXX sent to Mr. Cooper was then placed on a monthly payment as opposed to returning it to me. I demanded the money be returned to me due to them not having permission to utilize it for a payment. It was returned.

Now Mr. Cooper says that they have placed an unapplied funds account stating I am {$1400.00} short in my escrow account. I have never been late for my payments. I have documentation from Mr. Cooper starting if I paid the {$1200.00} all would be good. However now they are stating my monthly payment is going up yet again. I can not speak to the previous people Ive been dealing with. I can not get anyone to call me back.

I have been dealing with this for almost 1 year and nothing has been resolved. I would like some assistance. Due to all of these issues with Mr. Cooper they submitted numerous late payments to the credit bureaus which have affected my credit score. I have never been late. I have bank documentation stating so.
Consumer complaint received 2022-12-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

As Dated XX/XX/2022, I, XXXX XXXX, consumer did not give the written instructions to TransUnion LLC to furnish the identified information on my consumer report, I have come to the understanding that TransUnion LLC is in violation of my rights to privacy. See attachment.
Consumer complaint received 2020-12-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc. (GA)

I have asked the bureaus to verify this account as well as send the proof they used to verify this account they are also reporting A balance of XXXX however they have also sold the debt to a third-party contractor without notification to myself the status updated as well as the original balance and payments is incorrect.
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'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 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 2022-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
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. (TX)

I was a victim of identity theft. I contacted the credit bureaus to notify them that my identity was stolen and forwarded them my identity theft report as well as a list of fraudulent account and personal verifying documents and they failed to make any corrections to my credit report. I have no knowledge of these accounts and I believe I was hacked. I really need this misinformation to be removed from my credit reports immediately.
Consumer complaint received 2018-06-03
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (TX)

They claim to be part of the Make homes affordable act. Basically we thought we had modification pleaded with nation star mortgage and we sent {$1500.00} XXXX. In a cashiers check from XXXX XXXX XXXX XXXX. We did not hear back from one XXXX XXXX in there XXXX California. So we called the XXXX XXXX Police Department the officer went over and his assessment of it was people moving in and out of the office and we tried to stop payment on the cashiers check with no help from XXXX XXXX XXXX XXXX. And since that didnt happen and we had a police report nation star. Nation star mortgage declined our modification our house with put up for auction on XX/XX/XXXX .We filed a Chapter XXXX bankruptcy to stop it. Then on XX/XX/XXXX it went up for auction again we filed our own chapter XXXX and stop the auction they had to go and get the house back. Then on XX/XX/XXXX another auction pro se bankruptcy XXXX had to go back and get the house back again. We have had some life events loss of job, XXXX, identity theft, XXXX XXXX, XXXX  XXXX, and now the house goes up for auction again in two days. I know its late in the game. I so wish that you could help me. All I want is to get my house back I have {$150000.00} of equity and nation star mortgage has depleted my escrow by paying three separate homeowners policies at the same time and they keep charging me for their legal bills and appraisals at my house. I get so much fishing mail emails that its hard to contain plus Im flooded with mail coming to my house. Ive also included photographs dot loop investigation of identity theft and fraud where XXXX XXXX wants to know what I want this is all part of my life events fraudulent activity in a venture I took in real estate to help me pay for my house cars etc.