davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-19
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)

I have previously disputed XXXX XXXX XXXX Bankruptcy Chapter 13-Dismissed with you. In response, you verified the item as accurate, stating that your office has verified the information with the US Bankruptcy XXXX XXXX XXXXXXXX XXXX XXXX XXXX 
I contacted the court disputing this bankruptcy directly with their office, and their response is enclosed for review. 
From conversations over the phone and in the letter, they sent me, they have confirmed they do not report to you or any Credit Bureau for that matter ; therefore, your initial response verifying the item with the court was either an error on your part or misleading. 
Either way, the reporting of this Bankruptcy, which I NEVER initiated or requested does not comply with FCRA 611 ( 15 U.S.C. 1681I ), and the information must be deleted immediately.
Consumer complaint received 2024-03-19
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. (IN)

I have disputed this case over and over. The fraudulent check was an IRS tax refund check. I told XXXX that I do not feel that this is my issue to repay. I didn't do it or even knew about the deposit until my account show {$990.00} in the negative.
Consumer complaint received 2023-09-25
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. (FL)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 2024-03-19
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: Experian Information Solutions Inc. (MD)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2024-03-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

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 :
Consumer complaint received 2018-06-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (FL)

Hello, This message is in regards to an error from Mr.cooper mortgage loan company formally known as nationstar mortgage. 

The company 's website prompt accepted a monthly payment reflecting principal, interest, escrow, and additional principal payment. 

This payment was submitted XX/XX/XXXX - payment is {$1700.00} plus an additional {$500.00} principal payment which is entered separately in another prompt. 

Total is {$2200.00}, However mr.cooper mortgage applied the payment as a sole principal payment incorrectly and was unable to explain how or why it happened. 

On XX/XX/XXXX this issue was noticed when the complete payment history was reviewed after a payment was made. 

Cooper mortgage then reversed the payment of {$2200.00} into the intended payment of {$1700.00} plus an additional {$500.00} principal payment. 

The issue is that there were 3 payments made + 3 additional principal payments of {$500.00} total of {$2300.00} principal and {$1500.00} additional which comes to {$3800.00}. The balance of the mortgage is {$120000.00} as of XX/XX/XXXX when the error occurred. 

The balance should be XXXX however on the website the balance reflects {$110000.00}. so the problem is {$790.00} is missing from payments. 

A representative / supervisor submitted the information to billing for further inquiry. Her name is XXXX and extension is XXXX on XX/XX/XXXX. 

I am awaiting contact from the company.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. 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 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSWORLD SYSTEMS INC (MS)

Someone stole my identity and got an apartment in my name. I've tried contacting the company to explain and get them to remove it from my report but company never responded. I've now filed a police report, hoping the police finds the person and the company can remove it from my credit report
Consumer complaint received 2024-03-19
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: Experian Information Solutions Inc. (PA)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-07-10
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: The Phoenix Recovery Group (GA)

Phoenix Recovery group is trying to collect a debt I do not owe them I don't know what this is about but I need some answers immediately they are trying to garnish my wages from my check and I'm going to send documents because they have the wrong person thank you
Consumer complaint received 2024-03-19
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. (FL)

Account name XXXX XXXX XXXX XXXX XXXX  Account number : XXXX Account charge off which is a IRS Law ; Certificate of indebtedness is income and must be remove from credit report. 

If your debt is forgiven or discharged for less than the full amount owed, the debt is considered canceled for the forgiven or discharged amount that you no longer need to pay. 
In general, if your debt is canceled, forgiven, or discharged for less than the amount owed, the amount of the canceled debt is taxable.

Topic no. 431, Canceled debt- IRS Law
Consumer complaint received 2023-09-25
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. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated for erroneous reporting in my file are listed on my credit report : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2018-06-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (MA)

We had mortgage with Nationstar ( now Mr Cooper ). We struggled to make payments were behind by about XXXX. We filed Bankruptcy and paid about XXXX to attorney to save our home. Today we received a letter stating Mr Cooper found a way to save us money our interest rate will be lowered to 4.275 %. ( This is the rate it should have been for years ) but now they are lowering our payment to XXXX from XXXX and XXXX will go into no interest deferred account. We have a lawyer looking at this before we sign but I feel we paid for Bankruptcy fees and they had errors also our lawyer said where is our interest for all that we paid and where is our interest for this XXXX. I feel someone should review our account because they have cost us a lot of money and it is wrong. Please look at this.
Consumer complaint received 2024-04-15
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$1700.00} XXXX XXXX XXXX Balance Owed : {$810.00} XXXX XXXX XXXX Balance Owed : {$280.00} XXXX XXXX XXXX Balance Owed : {$1700.00} XXXX XXXX XXXX Balance Owed : {$810.00} XXXX XXXX XXXX Balance Owed : {$71.00} XXXX XXXX XXXX Balance Owed : {$280.00} XXXX  XXXX Balance Owed : {$1900.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$1700.00} XXXX XXXX XXXX Balance Owed : {$810.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$880.00} XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX Balance Owed : {$140.00} XXXX XXXX XXXX Balance Owed : {$71.00} XXXX XXXX XXXX Balance Owed : {$280.00} XXXX XXXX Balance Owed : {$1900.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-09-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (MI)

Loan No : XXXX Freedom Mortgage keeps applying Escrow balance to every months auto payment. They know that I have selected no Escrow for my mortgage where I am paying separately for Mortgage insurance and city taxes. In-spite of calling every week and this issue is ongoing for the past 6 months, Freedom Mortgage has failed to resolve this internal clerical error that they have. They are not helping. 

It is unethical to charge a customer Escrow balance for insurance when I told them I do not want their bank issued insurance coverage. I have provided proof of coverage continuous since 2014. My Mortgage payment has gone up because of this unethical and unauthorized escrow balance. 

Freedom mortgage has created a Escrow balance of {$11000.00} that is entirely fraudulent. I called Their bank owned insurance company and there is no insurance policy set up. They are figuring out these alternate means to cheat customers and collect additional funds beyond the normal interest rate they earn through mortgage. 

I did a little bit of research for Freedom mortgage and there are many complaints about this mortgage company applying the same schemes to cheat customers and collect additional unauthorized funds on the mortgage.

I believe serious actions need to be taken to penalize this organization for their unethical business practices. I have wasted hours over the phone every week trying to resolve my situation but the outcome is going nowhere.

Regards, XXXX XXXX XXXX Please read the following supportive links : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I submitted this complaint to update this suspicious information. XXXX 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 AM XXXX FIN 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 2023-02-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Branch Messenger, Inc. (CA)

Ever since I've started my sideline with XXXX  ( which is a XXXX service ), it was a great sideline. The app is fairly easy to use and pays good. Although the only problem was the company that pays us ( Branch wallet ), all the money I was saving for a business was stolen. I've downloaded the app and activated my card and never used the card since I was only saving all of the money I have from that sideline and ever since I haven't checked my money until now and I was surprised that there's a ton of transactions that I did not authorized. I don't know how those transactions were made. I tried looking for my card and it came to my attention that my card is missing this whole time. There's even a negative fund on my account. I've already contacted the company and I still don't have any response from them. I need the money back that I've worked hard for. The total stolen money out of my account is {$4200.00}. I've attached all the fraudulent transactions below also the steps I took with the company.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

Equifax Information Services LLC is in violation of 15USC1681 ( 2 ) ( A ) in addition to 15USC1681 ( a ) 5 for allowing these person ( s ) to report inaccurate information on my consumer report without conducting a proper investigation under FCRA regulations. I notified Equifax that the person ( XXXX ) XXXX XXXX XXXX and XXXX XXXX XXXX  are in violation of 15USC 1681 ( b ) - 15USC 1681a ( 2 ) ( a ) ( i ) - USC 6802 Section ( b ) for contacting their credit reporting agency with my nonpublic personal information and data thats excluded from my consumer report without a signed written authorization contract from me. These person ( s ) failed to protect my personal information and provide me with my privacy disclosures pursuant to USC 6802 Section ( B ) before such information was reported. By law these violations demand the deletion of the inaccurate collection account from the person XXXX XXXX XXXX who was notified by me to cease and desist all communications regarding the allege debt not owed to them as well as the inaccurate account from XXXX XXXX XXXX that was removed on XX/XX/2023 and refurnished on XX/XX/2023.
Consumer complaint received 2020-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (CA)

I have a credit card with CB/SONYVISA, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called CB/SONYVISA and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me 30 day late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and CB/SONYVISA with no successful resolution. XXXX, XXXX, and XXXX  reporting me 30 days late on XX/XX/2019. There was an error on their part. I was never late.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 XXXXXX/XX/year>
Consumer complaint received 2023-02-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: EAST WEST BANK (GA)

I dropped off a payment check to my local post office to pay for my credit card bill around XX/XX/2022. The check was made payable to my credit card company for {$170.00}. The check was altered and forged to someone I do not know and for the amount of {$6400.00}. My bank, East West Bank paid the check on XXXX and in the amount of {$6400.00}. I contacted the bank as soon as I noticed and Forgery Affidavit Claim was submitted on XXXX. 
Another check was forged and paid in XXXX. East West Bank opened a forgery case for that check. I was under the impression that my account was under special care/flagged. I was advised not to close account yet as I had some outstanding checks and payments that had not cleared. How could this happen to my account again and for such a large amount?!
Consumer complaint received 2023-03-31
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: Continental Finance Company, LLC (FL)

The XXXX Credit Card was issued by the XXXX XXXX XXXX  and serviced by Continental Finance. 
To put things into context please allow me to explain who I am and how I became to be associated with this card. 
I am a XXXX man that was deceived into applying for this Credit Card unknowingly. The application was completed Online. I am not a computer guy, so the application was completed by a third party. To add further aggravation with the opening of this credit card, the XXXX credit card offers an optional Continental Credit Protection program, a form of insurance. I was enrolled also unknown to me. 
By the time, my daughter, XXXX XXXX, came to the picture, I owed 10 different credits cards, all with a balance between {$500.00} and {$2000.00}. She has been helping resolve this by speaking to the credit cards on my behalf and managing these accounts Online. Most have been paid off. 
- On XX/XX/2023, accounting ending XXXX was paid off by making a final payment of {$440.00} - On XX/XX/2023, I called to request account to be close permanently. Because there would be a pro-rated refund owed to me due to the credit protection program being cancelled the month prior, the account will show a credit refund. Continental Finance advised this will be refunded. 
- XX/XX/2023, I called again because refund had not been received. Credit refund of XXXX XXXX was confirmed Online on this date. Continental Finance assured that they had placed request to send refund check to my address on file. On this date they advised it should take approximately 30 days. 
- XX/XX/2023, my daughter XXXX called to question, why the credit refund had been posted in the account as a purchase instead of a refund. Furthermore, she questioned why the charge showed {$67.00} instead of {$61.00}. The additional {$6.00} was now showing outstanding on the account. This new entry made by the credit card company ( wrong ) did not allowed the account : o To be closed o Issued a refund of {$61.00} o Current balance due shows as {$6.00}. IF this not paid, it will rolled into next month by XX/XX/XXXX, accrued interest and drag me into a revolving door where I can not get away from this company- XX/XX/2023, My daughter, XXXX, attempts to login Online into the account without success. The credit card company has blocked access, thus not allowing to see any changes on the account. 
Please note that I have gotten on the phone with my daughter, XXXX, multiple times. I have requested them to add her as an authorized person to speak on behalf. Furthermore, she has submitted a Power of Attorney to confirm my wishes to speak on behalf. None of this has been granted and they still refuse to her. I am a very old person with limited understanding of credit cards.