davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXX  Account XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-03-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Weltman, Weinberg & Reis Co., L.P.A. (MI)

They sent me a letter back in XXXX XXXX saying my account as settled to our client and congratulations.they garnish my job pay check until the debt was paid, now they are sending me letters from court papers saying they are going to take the money out of my income taxes. which is over $ XXXX called them saying I already paid but they keep sending and calling me
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2023-04-21
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: M&T BANK CORPORATION (NY)

Ive been a comprehensive business customer for 8 years for M & T Banks. On Thursday XX/XX/XXXX our {$500000.00} business line of credit was frozen without advance notice. The businessI received no disclosure. It was converted to a termed loan whose terms have not been shared, despite multiple requests for information ( requested XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). Including today ( XX/XX/XXXX ). The first payment is due XX/XX/XXXX. Worst, all of this is due to an internal diligence mistake by which our relationship managers shared inaccurate XXXX performance data. 

M & Ts decision to convert my LOC and freeze access without notice to me had immediate consequences for my business. The lack of disclosure is especially concerning. Vendor invoices and employee healthcare premiums were linked to this account, and charges for both which were posted on XX/XX/XXXX did not clear. 

Pertinent information : XXXX. This business has never missed a payment of any kind - loan, LOC or otherwise- with M & T Bank. 
XXXX. The lack of disclosure or any formal communication has been called a perfect storm by M & T bankers in both a call and email called our lack of communication a " perfect storm '' both attached. 
XXXX. M & T Bank never requested updated XXXX financials prior to freezing the LOC. 
XXXX. M & T Bank cited XXXX years in losses for the freeze ( see attached conversation ). XXXX the business was profitable, {$300000.00} cash positive. XXXX is the only year showing a loss due to capital expenses. 
XXXX. Health of the business : XXXX. Positive balance sheet of {$200.00}, XXXX XXXX. XXXX in Q1 revenue - comparable to XXXX, XXXX and outperforms XXXX- which net {$300000.00} in income. 93 % of which ( historically ) comes in Q4. 
XXXX. Email to CEO ( XX/XX/XXXX ) and head of XXXX explaining major issue. 


Attached please find : XXXX. Initial emails and texts the day of to M & T. General distress outreach. Zero context in M & T responses. Attachments : XX/XX/XXXX comms, day of comms, day of comms XXXX, M & T Text - bank XXXX. 
XXXX. Questions with no response sent XX/XX/XXXX. attachment XXXX questions. 
XXXX. Rejected charges communicated to M & T Bank. Attachment : XXXX email rejected charges XXXX. XX/XX/XXXX First conversation with bank, 4 days after actually freezing LOC. Attachment is too large but conversation is recorded. 
XXXX. XX/XX/XXXX questions sent to bankers and banker asking for our patience and calling our communications a " perfect storrm '' attachment : muscato email m and t bank, XXXX XXXX. XX/XX/XXXX email sent to CEO. Attachment : CEO Email This is still without a resolution.
Consumer complaint received 2017-08-23
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: NATIONSTAR MORTGAGE LLC (LA)

XX/XX/XXXX, Loan # XXXX, Case # XXXX, CFPB Case # XXXX Property Adress : XXXX XXXX XXXX XXXX, XXXX. XXXX Dear XXXX XXXX, Thank you for responding to my concerns. According to the account information I received from attorney XXXX XXXX, dated XX/XX/XXXX, it states within the foreclosure document my note was in default XX/XX/XXXX and a notice was mail. Furthermore, in order for XXXX XXXX XXXX to mail me out such an notice of default I wouldve have to miss two monthly mortgage payments to be considered in default of the note. Please note my first date of delinquency should be XX/XX/XXXX. When four miss mortgage payments occurred is when any foreclosure proceedings can start on the property.
Consumer complaint received 2023-12-08
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: EQUIFAX, INC. (IL)

I was in the process of buying a house and i realized i had damages on my credit report. According to the ( 15 USC 1681 law ) there should not be any damages on my report, it is defamation to my character.
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. (CA)

I have fallen victim to fraud and identity theft in my name, in which accounts have been open without my authorization, such as auto loans, bank accounts, as well as apartment rentals, have been obtained unknowingly in my name. This has caused much undue, financial strain and stress. Account : Achieve Personal Loans Account # : XXXX {$15000.00} In accordance with The Fair Credit Reporting Act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
The Numbered Account attached to this dispute violates my rights. 
15 USC 1681, section 602 A. States I have the right to privacy. 
15 USC 1681 s ( A ) ( 1 ) a person shall not furnished any information relating to a consumer to any consumer reporting agency if the person knows or a has reasonable cause to believe that the information is in accurate. 
I have requested information from creditor with signed affidavit due to identity theft and no known knowledge of account. This has caused much damage to credit report and needs to be deleted from all credit bureaus immediately. 
According to 15 USC 1681i 5 they are supposed to do this ( 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 in accurate or incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete the item of information from the file of the consumer ; or modify that the item of information as appropriate, based based on results of the reinvestigation ; and promptly notify the furniture of the information information that the information has been modified or deleted from the file of the consumer. 
And according to this law, they are supposed to provide me a description of the investigation, according to 15 USC 1681i ( 7 ) description of reinvestigation procedure paragraph ( 6 ) ( B ) ( iii ) but not later than 15 days after receiving a request from the consumer for that description. But they did not do that as well either.
Consumer complaint received 2018-03-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (TX)

My husband and I have two loans with the company NationStar that correspond to two properties located in the same street, on both of those loans we pay to an escrow account for the payment of property taxes and homeowners insurance. 
Late XXXX we were made aware by our County Tax Office that the property taxes on one of those loans had not been paid for four years ( about the time of the life of the loan ). When we contacted the mortgage company, after several communications back and forth, NationStar made the corresponding payment of property taxes on XX/XX/XXXX. 
Since then the company is also known by the name Mr. Cooper. 
Thinking that everything was cleared out, I was shocked when we received a loan statement with our monthly payment increasing from {$1200.00} to {$2500.00}. 
When I called the mortgage company to ask the reason of this increase they said that our escrow account had a negative balance of the amount they had paid in late property taxes. Let me clarify that we had always paid to the escrow account the amount calculated by the mortgage company, and had never been late on payments. Therefore if there was any discrepancy in regards to the payment of property taxes, it was an oversight of the mortgage company since it was them who should have been making those payments on our behalf, but had not during several years. 
I contacted NationStar a.k.a Mr.Cooper by phone and mail requesting a detailed review and evaluation of our loan so to identify the cause of all this problem. 
Until everything is cleared I had asked the company to stop collecting the payments, and that the loan not accrue late fees or be considered delinquent. Still, the company sent a communication otherwise.
Consumer complaint received 2023-06-07
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: Experian Information Solutions Inc. (GA)

Hi, I want to start off by saying no one prepared this dispute for me, I worked hard to research what to do in my situation. I just want it to be known that I XXXX XXXX prepared this document. I was trying to re finance my house and ran into a problem. I pulled my report and found some disturbing things. There were accounts that belonged to someone else, or someone has opened accounts in my name. I found numerous errors on my credit report. I haven't signed, nor opened any contracts with any of these companies listed in the Ftc report. I am a living human being, and I have been wrongfully taken advantage of. I have rights under 15 USC 1681. XXXX, Experian, and XXXX has allowed for these creditors to violate me numerous of times. I demand these accounts listed be removed according to 15 USC 1681 I have a right to privacy and I did not give the 3 bureaus, these other creditors to furnish these accounts. It is illegal for an account to be opened without me giving consent to it, which I haven't ever been in contact with any of these companies. There are two more fraudulent accounts that was opened in my name XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX account # XXXX, once again I repeat, I did not give consent for these accounts to be opened. These should be removed as well as these un authorized hard inquiries, and these inquiries are attached to an open account, so in other word could you please remove these XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX
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. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-11-08
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credence Resource Management, LLC (PA)

This debt collection agency is not licensed or registered in my state to collect a debt from me. They have been calling me non stop since 2019. They are trying to collect {$2300.00} from me for XXXX XXXX XXXX I tried to pay they just want I owed and they forced me to close my account and added in all these fees. They call me and try to negotiate and try to out the amount low so I can pay.
Consumer complaint received 2024-03-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (FL)

I believe FCRA 605B mandates the removal of any erroneous accounts from my credit report. Would you kindly review the documents? Some of the listed accounts are inaccurate, and it's unsettling for me.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (DE)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX ) Account Number : XXXX, Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX, and so on.
Consumer complaint received 2023-12-08
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: EQUIFAX, INC. (IL)

I was in the process of buying a house and i realized i had some damages on my credit report. According to the ( 15 USC 1681 law ) there should not be any damages on my report, it is defamation of my character.
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. (TX)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2022-11-08
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. (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 XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$6700.00}.
Consumer complaint received 2023-11-08
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: EQUIFAX, INC. (PA)

I am writing to express my deep disappointment and frustration with the ongoing dispute regarding these negative items that are inaccurately listed on my credit report. Despite my repeated efforts and communication with your company these erroneous entries continue to affect my credit score adversely. 

-- -- -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (AZ)

My card was shut down on Saturday, XX/XX/XXXX due to a fraud alert. I did not get a text alert. I only got an email alerts and I attempted to send my wife money for gas at XXXX XXXX that night and it would not allow me to do so. I called the bank waited on hold for 15 minutes. I reached XXXX on the line who repeated his name and that he was on a recorded line 4 times which is probably why they have 15 minute hold times. My wife was also on the line since she was stranded at the gas station. We were told XXXX was unable to clear the fraud block because their system was updating. we expressed our frustration due to my wife, being stranded in the middle of the night with our children. XXXX was too sensitive to handle the complaints and instead disconnected the call stating he did not want to deal with the negative interaction. My two complaints are that if their system is updating, they need to have a workaround to remove a block they placed on my account and secondly, if I share a complaint, it should be logged and I should not be hung up on. This needs to be escalated to Wells Fargo management. If this is how theyre going to do business, I will terminate my business with them.
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, 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 (NV)

Hard Inquiries Capital One XX/XX/XXXX XXXX XXXX XX/XX/XXXX Disputed with companies, no open accounts associated with these inquiries
Consumer complaint received 2023-12-08
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: EQUIFAX, INC. (FL)

It has come to my attention that your company has been providing unauthorized information on my credit report. I have identified several inaccuracies in the report, and I insist that these discrepancies be promptly removed and deleted. The impact of these errors on my financial standing is causing me undue stress, and I am eager for their swift resolution.