davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: UNITED BANKSHARES, INC. (WV)

Several weeks ago, I subscribed to text alerts through United Bank of WV. The reason for this is I manage an additional property and 2 bank accounts ( they are connected ). At times, I may be too busy to check my statement every day and if low transfer money, so I signed up for the text alerts. Please be aware, I have not had excessive check charges, or low balances in the past few years. Every XXXX I receive a text alert showing my balance. On XXXX XXXXXX/XX/XXXX, several transactions cleared my account, leaving it with a low balance. I did not receive a text alert on XXXX XXXXXX/XX/XXXX at all. If I had of, I would have made an instant transfer to cover the amount. When I checked on my own on XXXX XXXX, I noticed I was overdrawn and immediately made an instant transfer. I called the XXXX branch and the manager, XXXX, told me it was my fault for not checking my balance and the text alerts were often not accurate. I send the bank president an email. No response. My complaints are : 1. Text alerts are offered as a convenience, they should be accurate. They are deceitful to the consumer if they are not accurate. 2. There is no disclaimer on the text alerts page stating the text alerts are not always accurate. 3. If banking practices take place all day, why are the text alerts sent out at XXXX or XXXX XXXX? Once again, deceitful to the consumer. 4. United Bank has a history of bad banking practices, for example, they used to rearrange checks to cause customers to be overdrawn. This was settled in court and the were ordered to stop. I feel like this is another bad banking practice by United Bank of WV and they know they are making money from check charges. Although I plan to open an account at a different bank, I am asking my check charge be refunded and that they add a disclaimer to their alerts page stating they are not accurate. I am not sure if they know the meaning of the term " alert, '' but they do know deceit.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

The late payment showing on this account from XXXX of 2023 is completely inaccurate. I keep immaculate records of payment history acrossed all my bills and accounts, and there should be no late payment showing here. Inaccurate late payment like this is preventing me from obtaining credit that I'm trying to apply for because it's affecting my credit worthiness. Please be aware that inaccurate credit information can't be reported.
Consumer complaint received 2023-12-10
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (GA)

At the end of XX/XX/XXXX, I began to experience mold in my apartment. I took pictures of the areas in my apartment that had mold, mold was present in and on the vents and walls. There was also a thick musk smell through out the apartment. I contacted the Leasing office at XXXX at XXXX XXXXXXXX XXXX  and let them know I had mold in my apartment and I became ill. The Manager at the leasing office told me that they would send someone out. After a few days past I contacted the leasing office again about the mold because no one had came to my apartment. Again the Manager said she would send someone out to my unit. Someone finally came after XX/XX/XXXX, and replaced the vent covers, however there was still a presence of mold in the apartment and I was still ill. I left the apartment on XX/XX/XXXX and began staying with my friend. I had to pay her {$500.00} to live with her for the remaining of XX/XX/XXXX and {$700.00} for XX/XX/XXXX. I contacted the leasing office at XXXX at XXXX XXXX and informed them that there was still mold in my apartment and the manager told me I could terminate my lease early. She advised me to email them stating I will terminate my lease and state the move out date. On XXXX XXXX I agreed to terminate my lease and submitted an email stating that I was terminating my lease due to mold and my move out date would be XX/XX/XXXX. I did not agree to pay the Ascend at XXXX XXXX anything. They did not provide me an invoice stating I had to pay anything at the time of terminating my lease. I also did not sign documentation stating that I would pay anything. I was in process of finding another place of residence there was no way I could pay for a new residence, pay for my current living situation and pay XXXX at XXXX anything. Also 90 % of my belongs that I removed from the apartment had to be disposed of because there was mold on the items. I had to dispose of a new mattress, clothes, any item that had a penetrating surface. An invoice or notice of payment was never provided to me at the time of terminating my lease. The XXXX XXXX XXXX provided me an invoice of the debt on XX/XX/XXXX. However, they did not provide documentation stating that I agreed to a debt at the time of terminating my lease.
Consumer complaint received 2023-12-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I'm writing to dispute some information that I think was obtained through identity theft on my credit report. I would like to make it clear that this letter and the supporting documents that are attached are truly from me, and I certify that the materials are authentic. 

I understand how important it is to give precise information when challenging issues on my credit record and how serious the situation is. As a result, I would like to verify both my identity and the authenticity of the documents I am sending for your consideration. 

In addition, I contest the following credit report accounts that I think are the product of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX  have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I ask that you look into these accounts right now and take the appropriate action to correct the errors on my credit report. Additionally, as required by law, I politely request that you keep me informed on the developments of your investigation. 

I sincerely tell you that the information contained in this letter and the documents it is attached with is accurate, and I accept full responsibility for it. I value your quick response to this issue and your help in figuring out this identity theft situation.
Consumer complaint received 2023-11-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

A person XXXX XXXX, XXXX. I had done business with in the past had reached out to me to send him {$3000.00} to get {$4000.00} back in 2 weeks. He requested me to XXXX it to him and he never returned the monies back and he solicits other people to XXXX him for some real estate investment and never return the money.
Consumer complaint received 2023-12-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

This company XXXX XXXX continues to report inaccurate information to the credit bureau along with Experian continues to lie an manipulate several closed accounts to like it's a new charge off. This company also have never sent me a 1099 file since they said they written the debt off that ain't been updates since 2018. They said that they have verified this account over an over again which is a FCRA violation. I have proof in the description down below to prove how Experian continues to disregard and manipulate my credit report with inaccurate ans false information.

There are 4 accounts that I'm speaking of with the same problems and this has been going on for 7 years
Consumer complaint received 2024-04-03
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. (IL)

I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

XXXX of XXXX, I disputed XXXX bankruptcy accounts shown on my credit file. I requested the bureau to provide the name of the person/persons or company and documents provided to verify any and all information associated with the alleged bankruptcy shown on my credit file and credit report. The bureau only responded stating the information was verified and updated. The verification the bureau states to have received is FRAUD. I contacted the Bankruptcy court asking if they report or speak to credit reporting agencies. They responded and I am attaching their response to this complaint.
Consumer complaint received 2024-02-07
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: EQUIFAX, INC. (VA)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I started a short sale process in XX/XX/2018 with Mr. Cooper. The process has been so long, my agent has submitted all requested documents and the bank has taken very long to work the file. we were told the file is only worked on every 5 days but at times it is way longer than that to get responses. The bank has always KNOWN of the FORECLOSURE SALE DATE and says they are working with us and will hold or postpone the sale date while we are working the file but they actually never do. On XX/XX/2018 they said the short sale has been approved as long as a counter offer of XXXX was submitted, the bank conveniently deleted that ONE MESSAGE but you can see attached the responses to that message and the message alert through my agents email that shows the date of the message being sent. The counter offer they needed to provide approval was sent and the approval never came. we called numerous times to have sale date of XX/XX/2018 postponed and they said they would but actually never did. It has been nothing but mortgage servicer abuse that has taken this long!!! All I want is to avoid foreclosure and I don't appreciate the games they are playing with my file. 5 moths with a file is just way too long when there are not many short sale files left to work with. Not answering messages or working the file on a timely manner is really time consuming for everyone.
Consumer complaint received 2023-12-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

Per 15 USC 1681 the account information on both the Experian and XXXX reports are seriously incorrect and should be removed from my report. The balances of the XXXX XXXX  revolving account. 

A letter forwarded to XXXX XXXX  on XXXX of my recension from providing non-public private information to any third party under 15 USC 6802 was sent. According to their customer agreement under section ( e ) I can and did withdraw this authorization in writing. The account should be removed from both reporting agencies reports. 

Disclosure of Information to Third Parties We may disclose information to third parties about your Card or the transactions you make : ( a ) where it is necessary for completing transactions ; ( b ) to verify the existence and condition of your Card to a third party ; ( c ) to utilize services of third parties and affiliate entities who assist us in providing the Card and related services ; ( d ) to comply with government agency rules or court orders ; ( e ) if you give us your permission ; ( f ) if you owe us money or there are legal proceedings in connection with your Card, in which case information may be released to attorneys, accountants, collection bureaus, financial institutions, and others involved in collection, adjustment, settlement or reporting ; ( g ) to protect against potential fraud and other crimes ; or ( h ) when otherwise permitted by law.
Consumer complaint received 2024-04-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (IL)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2023-12-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Requested that inaccurate, unvalidated " late payments '' be changed to " Pays as agreed '' or " ok '' on report. 

Account Name : XXXX XXXX XXXX Account Name : XXXX XXXXXXXX XXXX XXXX I assert that this reporting violates the Fair Credit Reporting Act ( FCRA ), as outlined in 15 USC 1681a 2 ( A ) ( i ). According to this provision, this would fall under the bold-header of EXCLUSIONS, a consumer report does not include information solely about transactions or experiences between the consumer and the person making the report. Late Payments in this case would be considered as a XXXX / XXXX. In this case, Experian. XXXX and XXXX XXXX are in violation of FCRA Law. 
The inaccuracies in reporting late payments on my account, as per 15 USC 1681a 2 ( A ) ( i ), necessitate immediate correction. Ive sent a similar letter to the credit bureau listed above and have requested for the entry to be corrected to either Pays as agreed or OK. I request your office 's assistance in investigating this matter and ensuring compliance with FCRA guidelines. 
I believe your intervention will expedite the resolution of this dispute.
Consumer complaint received 2023-11-16
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. (TX)

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 2023-12-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (WI)

My name is XXXX XXXX! My information was compromise in the XXXX  XXXX data breach. The beginning of this year I've been having problems with a hacker trying to access all my personal. The hacker has taken over my XXXX page, try to hack into my XXXX XXXX, also hack my personal laptop computer XXXX create it fake pages on dating websites. I'm trying to clean up my credit, because it has a lot of old address and wrong information on my credit report. I have contacted XXXX, XXXX, and Experian. The only credit bureau that would not co-operate was Experian .The old addresses and wrong I need remove is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Also these phone numbers are wrong XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Incorrect name XXXX XXXX. Also all the employer is incorrect 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 2024-04-03
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. (NC)

To Whom It May concern : There have been multiple disputes forwarded to the following Credit Bureaus on a specific item on my Credit File ( s ) XXXX Experian XXXX There has been several attempts made to correct these matters. But every time a response is returned by the Credit Bureaus one or the other will send out a letter sent back from them stating it does not look as if the written communication is coming from me. This is a tactic that is in violation of my rights. And i need something done about it.
Consumer complaint received 2023-11-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. XXXX, Transunion and XXXX have violated my rights reporting These fraud Accounts The 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs 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 2023-12-10
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. (PA)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. XXXX and Experian and XXXX are consumer reporting agencies and I am the XXXX. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information.Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, and nonverbal Per 15 USC 6802. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The law says It is illegal to report transactions on a consumer report. reporting false & harmful damaging information to my consumer report, as well as damaging my reputation, humiliation, & emotional damage to my mental health! XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states Except as authorized under subsection ( b ), 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. This account is an adverse item they are reporting again without my permission which 15 U.S. Code $ XXXX states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian and XXXX are not maintaining reasonable procedures. Also XXXX XXXX XXXX states that " A consumer may exercise the right to opt out at any time. I am opting out of your reporting services. Violating the privacy act of XXXX! 

Account number XXXX Recent Balance, {$1500.00} Date opened XX/XX/XXXX XXXX credit management is legally also not even licensed to collect debts within the state of Pennsylvania!
Consumer complaint received 2023-12-10
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. (GA)

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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or 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.