davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-09
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (OH)

I rented at XXXX XXXXXXXX XXXX XXXX XXXX  for one year. I moved out early because the landlord wouldnt fix the boiler and it had been stuck on for months and I made several complaints. I had to sleep with the windows open and the ac on in the winter and would come home to a XXXX degree home. It was now the summer so I moved out early ( in XXXX ), and then paid XXXX rent. My lease was up in XXXX so I decided not to pay it as I believed my deposit would cover the last months rent and had received in writing from the property manager that the apartment was in perfect condition. I did not trust the landlord to send me my deposit in the mail after paying the last months rent because they had not fixed the boiler for 6 months. However, the security deposit did not cover the last month of prorated rent because the landlord cleverly only charged {$500.00} for the deposit and then had other charges to cover the rest when I moved in ( ~ {$170.00} admin fee, application fee, and other misc. fees ). 

After not paying last months rent, I never received a single communication from the property manager or landlord. I did not receive a call, text, email, postal mail, etc. On XX/XX/XXXX I received an email from National Credit Systems notifying me of Documents Ive requested, I had never heard of National Credit Systems, not have I requested documents from them. The letter stated I owe {$390.00} and that it was 30 days past due. Additionally, there was no contact info to dispute the charges with XXXX XXXX, National Credit Systems, or the property manager. Someone on behalf of the creditor waited 30 days to notify me so I would be unable to file a proper dispute. I responded to the email and copied XXXX XXXX stating this and that the charges were wrong. 

The math used to calculate prorated rent was incorrect and they charged me an additional {$95.00} for turnover cleaning charges, even though the property manager, XXXX, stated it was in perfect condition. I tried calling XXXX XXXX and no one would answer. No one has responded to my email either. 

I have prepared a correct calculation of the prorated rent, XXXX XXXX claimed to prorate rent for 25 days, but upon doing the math myself, it was not 25 days.
Consumer complaint received 2024-01-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (SC)

on XX/XX/XXXX I made XXXX seperate payments to XXXX different credit cards for XXXX dollars each on XX/XX/XXXX, each XXXX  company sent me an email that my bank rejected the payments. i immediately contacted Wells Fargo to get information, they acknowledged the error was on there part and sent letters to the effect of the error. XXXX the XXXX i recieve notification from XXXX of my long standing credit cards they closed my account due to an XXXX, the rejected payment from my bank and have listed me as a high risk due to the XXXX. I applied for financing on the XXXX of XX/XX/XXXX and recieved a instant rreply of declined with a response negative payment history due to nsf, the creditor was the bank that just closed my other credit card. SO Wells Fargo has caused me to lose my Credit Card, had me lableed as a high risk and had me declined credit due to there negligence. plus cost me nsf fee with credit card company..
Consumer complaint received 2024-04-09
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NJ)

There is an account that is fraud that went into in the collection which was closed on XX/XX/XXXX, which I had submitted documentation on XX/XX/XXXX and submitted another documentation on XX/XX/XXXX. I called Equifax to have them look into it to do in a thoroughly investigation about the Fraud account that was in my report, I sent Equifax FTC report XXXX times which they refused to remove it because of their claiming that the debt was mines. I asked them. How did they validate it? How is it active because XXXX of the CRA collection agency had a different date which XXXX Date the close account was XX/XX/XXXX versus the one that they have on Equifax was XX/XX/XXXX which both of the months do not match up I repeatedly call Equifax to let them know to remove it. They refuse to remove it XXXX XXXX when I provided them with that they refused to remove it after the 14 days was up. They still keep the account on my report after I had asked him several times to remove the account and I had talked to a guy by the name of XXXX, which he hung the phone in my ear I called back again and spoke to another young man by the name of XXXX XXXX was being very gentle with the conversation that we had over the phone then XXXX refused to remove because they were saying that they have to do a investigation. It will take up to 30 days. I told him that I already sent the FTC report on XX/XX/XXXX which 14 days was up from that date which they still refused to remove that account off my report account number is XXXX with credit Acceptance. So this is my third time sent and FTC report to them with all the documentation that I sent off I sent the new FTC report to them today and I have someone to sign it and send me back the original receipt which they will get it by the XXXX of this month.
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRUIST FINANCIAL CORPORATION (AL)

I went to get a car from XXXX and ran my credit a total of 30 times, I have them {$2000.00} in cash as a down payment. Three days later I had to bring the car back because the lender that agreed to do the loan reverse their decision and turn down the loan. I want all the banks and lenders that did not go through removed off of my credit. I need XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX 3xs, XXXX XXXX XXXX, XXXX XXXX  3xs, XXXX XXXX XXXX, these are just the ones that have come to the house I'm still receiving letters everyday.
Consumer complaint received 2023-05-05
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: Tower Loan of Mississippi, Inc. (LA)

Request For Debt Validation Pursuant to 15 USC 1692g Be Advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act ( FCRA ) [ 15 USC 1692g ] stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ). 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 calendar days to investigate this information, during which time all collection activity shall CEASE and DESIST.

Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

They have no knowledge of any accounts under my SSN. as far as credit cards. I explained to them there is 2 credit cards listed under all 3 of my credit reports. I contacted them by phone again XX/XX/year> and they have no knowledge. They said they only provide prepaid debit cards. I have ILLEGAL credit cards on my report! Please remove off XXXX, XXXX, and equifax. XX/XX/year> Please remove these illegal credit cards under my name which XXXX XXXX  said they ONLY issues PREPAID cards and not CREDIT CARDS off my XXXX, XXXX, and equifax REPORT! 

This is ridiculous!! 

XXXX XXXX XXXX Balance {$13.00} Date Opened XXXX XXXX XX/XX/year>
Consumer complaint received 2023-10-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC (MS)

Promised me a trial payment period for modification that I had already done with 4 other servicers only for this to end with eviction. They still have money that they never even applied to my account point of contact never answered or switched to many times.. I would like to see them fix this .. before they make a XXXX XXXX XXXX homeless
Consumer complaint received 2023-10-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Accounts, LLC (NC)

Capital Accounts began contacting me about the debt around XXXX of 2023 but could not answer any questions when asked. I asked for documentation from capital accounts and the original creditor, but it wasn't received. This medical debt was first acquired while I was under 18, and my parent accepted financial responsibility. We contacted XXXX XXXX for financial responsibility documentation, but they did not provide it and stated that we owed a different amount than what the Debt Collectors requested. We have had multiple phone conversations with debt collectors and original creditors, and both have failed to provide any documentation verifying the debt. The initial financial agreement was signed by my parent, accepting responsibility. My parents never received a bill, and XXXX XXXX never contacted us except for them attempting to sell us additional services. I mailed a letter to Capital Accounts on XX/XX/XXXX, requesting specific documentation to verify the debt, and they have failed to reply to date.
Consumer complaint received 2023-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I reviewed my credit report in XXXX of 2023 and seen that all three reporting agencies XXXX, XXXX, & Experian has been reporting multiple accounts in which has been reporting inaccurate information. These accounts has be caused damage to my creditworthiness due to inaccurate reporting. I have disputed these account several times with each reporting agency and they have not resolved these issues. According to 15 U.S.C 1681 there should not be any damages on my consumer report, that is a deformation to my character
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc. (TN)

Upon reviewing the accounts on my credit report, I noticed multiple unauthorized accounts reporting from a creditor " Dept. of Ed/Aidvantage '' on my credit report without my consent which is required by law and is out of compliance with the law per 15 USC 6802B , 15 USC 6801, 15 USC 1681b ( 2 ), 15 USC 1692 .

I was not given proper " opt out '' disclosures per 15 USC 6802B, they furnished accounts on my credit report without my written or electronic consent per 15 USC 1681b ( 2 ), and I have a right to privacy per 15 USC 6801. I am not denouncing the financial obligation of the accounts, but I am requesting that the accounts be blocked and deleted from my credit reports for privacy reasons and as a result of their failure to be in compliance with the laws of the FCRA. 
In addition to this complaint my family is dramatically affected. This issue causing me XXXX  XXXX  and emotional distress because of my inability to obtain a new home as a result. I am requesting that this situation be rectified.
Consumer complaint received 2023-11-17
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: EQUIFAX, INC. (MS)

I reviewed my credit report and noticed some credit inquires and accounts that do not belong to me! I have filed an Identity Theft Report with Fair Trade Commission for the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following inquiries are not mine : 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 2023-09-22
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)

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 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TN)

I recently discovered several discrepancies and inaccuracies in my credit report, which were provided by XXXX, Equifax and XXXX. These errors have had a significant negative impact on my financial standing and have caused unnecessary distress and inconvenience. 

According to the FCRA, credit reporting agencies are required to maintain accurate and up-to-date information about consumers, ensuring that their credit reports are fair and reliable. However, upon reviewing my credit report, I found the following violations of the FCRA : XXXX. My name is incorrect XXXX. They stated that my accounts are Verified... 

XXXX. They have not sent the requested documents to prove the accounts are Verified.. 

I have made several attempts to rectify these errors by contacting XXXX, Equifax and XXXX directly. However, their response has been unsatisfactory, as they have failed to promptly investigate and correct the inaccuracies as mandated by the FCRA. 

I kindly request the Consumer Financial Protection Bureau ( CFPB ) to intervene in this matter and take appropriate action against XXXX, Equifax and XXXX. I believe that the violations mentioned above not only infringe upon my rights as a consumer but also undermine the integrity of the credit reporting system as a whole. 

Enclosed with this letter are the supporting documents, including copies of my credit report highlighting the errors, correspondence with XXXX, Equifax and XXXX, and any other relevant evidence. 

I trust in the CFPB 's commitment to protecting consumers ' rights and ensuring fair credit reporting practices. I request your prompt attention to this matter and a thorough investigation into the violations by XXXX, Equifax and XXXX. Additionally, I would appreciate regular updates regarding the progress of this complaint. 

Thank you for your attention to this matter, and I look forward to a resolution that upholds the principles of fairness and accuracy in credit reporting. 

Sincerely,
Consumer complaint received 2023-03-30
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. (MD)

NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition, to civil liability. By obtaining my CREDIT BUREAU consumer credit report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1618b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. supp 2d711 ( S.D Ind.2003 ) I have not initiated any transaction with COMPANY NAME. furthermore, I do not have anaccount as defined under 15 U.S.C. 1693a ( 2 ) with COMPANY NAME for review for collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered because of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the demand, I will seek actual damages which are greater than {$1000.00}
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

In accordance with 15 USC 1681E subsection B states that I need the maximum account accuracy. I found in a recent copy of my credit report it shows multiple accounts with incorrect dates. I have sent letters to each of the credit reporting bureaus stating the error. 
The accounts in question are : XXXX ) XXXX shows a date of XX/XX/XXXX from transunion and XX/XX/XXXX from XXXX XXXX ) XXXX XXXX shows a date of XX/XX/XXXX from Transunion and XX/XX/XXXX from XXXX and XXXX XXXX ) XXXX XXXX shows a date of XX/XX/XXXX from Transunion and XX/XX/XXXX from XXXX and XXXX XXXX ) XXXX shows a date of XX/XX/XXXX from Transunion and XX/XX/XXXX from XXXX and XXXX XXXX ) XXXX shows a date of XX/XX/XXXX from Transunion and XX/XX/XXXX from XXXX and XXXX XXXX ) XXXX XXXX shows a date of XX/XX/XXXX from Transunion and XX/XX/XXXX from XXXX and XXXX
Consumer complaint received 2023-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2023, I used my Chase business credit card to make a purchase a littler over {$5000.00} the merchandise was never delivered to me but I did get a notification saying it was delivered by XXXX, I immediately called the supplier and let them know, they advised me that sometimes such issues happens and the item gets scanned by mistake and I was to wait an additional 8pr 10 days, I thought that was a really long time frame and was sure to get a second confirmation on the wait time. However, I called about 7 days later and was told that I should have been informed from the first call that I needed to make a police report in order to dispute this matter, I then immediately called my credit card company ( Chase Business ) and explained to them whom assured me they will take care of it and I didnt need to go to the police, so I trusted in them only to receive a notification a few weeks later saying I need to check my messages on the app, I read through the message and was informed that I will be charged for the item because XXXX provided them with a signature of delivery, although the signature is not mine, I did not meet with XXXX no one from my home received the delivery, I am being charged for an item I did not received because XXXX provided a fraud signature and state that they delivered the merchant. 
On multiply occasions XXXX will leave a signature required item without receiving a signature and sign it themselves, I submit a second dispute and was denied once again. 
I can not afford nor is it fair for me to pay for an item I did not receive, and I feel like Im drowning with no help in sight all because I cant provide proof that XXXX delivered my package but XXXX provided a signature that was not mine and the credit card company accepted that.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IN)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2023-12-20
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. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Specialized Loan Servicing Holdings LLC (FL)

I had a home mortgage with XXXX XXXX that I needed to have a loan modification with due to XXXX. Had to do a second modification 8 years later due to XXXX complications. The second agreement was finalized at 4 % interest for 40 years. 
Specialized Loan Servicing bought the loan a few years ago and is reporting that my mortgage loan term is 48 year or 576 months. I do not believe this is fair reporting. 
Specialized Loan Servicing bought the loan as is with under 40 years left on the loan. How are they able to report this negative information when they themselves were never associated with the loan modifications? As well, the information on the modifications were older than 7 years when they bought the loan.