davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-12
Product: Mortgage — VA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: M&T BANK CORPORATION (HI)

I have been fighting with this bank since I came back to island and found out that somehow they acquired my loan from my prior lender. I have everything set on auto-pay for my mortgage from my lender for years so there would never be any sort of issue. 

I was off island on international travel and had no access to snail mail - once I returned, I found that M & T Bank had bough my mortgage roughly three months prior. However my payments kept going to the old financial institution. I provided all proof that the payments were in fact made to the old bank, and wrote letter after letter that I was out of country and had NO way to know this had transpired. NOT one phone call from M & T Bank to tell me they were my new lender or that I had outstanding payments with them - when I asked WHY I did not get an email or phone call I was told they do not have my contact information - so let me get this straight, you can buy out my loan on my mortgage but not have my phone number? This makes no sense whatsoever.

They reported me 60 days late on my credit report which was well over 800 and now dropped over 160 points because of this - I had my own current bank prove the payments were sent from my checking account and the funds withdrawn every month ( so I would have had no idea there were issues ), the old mortgage company even sent a letter to M & T Bank stating they did in fact receive the payments and they ended up refunding those to me. All of this was faxed to M & T Bank as requested and letter after letter they mailed back and said NO they will not fix the problem. 

The money was eventually paid to M & T Bank however due to no fault of MY OWN I now have a significantly impaired credit rating and they still refuse to take off the {$140.00} in late fees. 

This bank is a sham - I am reporting them to federal lending act as well as the VA as my mortgage is backed by the VA and this organization should not be allowed to service or take advantage of veterans. 

I have been dealing with this nightmare for well over 8 months and they REFUSE to fix my credit or take off the late fee.
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-03-19
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. (FL)

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 inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX Date of inquiry : XX/XX/20XXXX XXXX XXXX XXXXXXXX of inquiry : XX/XX/2023
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

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 2015-12-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

In XXXX 2015 I was turned down for XXXX and they said try your lender for a refinance. I was already in a XXXX Home Affordable Loan so i applied for another government assistance loan thru the Nationstar, my lender, website. No one contacted me from Nationstar but when i went to pay my XXXX bill it said regular payment and underneath had the trial payment also. i was confused. i called Nationstar but my home number and my cell phone number are controled or activated by Nationstar so it would ring right to my loan officer XXXX XXXX. I left her over XXXX voice messages to this day and i have never spoken with her. i made a full payment XXXX because i didnt want a late charge for under payment i called HUD to help me contact Nationstar and they got thru and we were on a XXXX way call and Nationstar told the HUD agent i was in fact on a trial payment plan til XXXX. I told them i was trying to reach my loan officer because that new payment is way to high for me and my family of XXXX. I have not received any documents or still any phone call from Nationstar. I dont want to wait til the trial ends and than it is to late. Once you refuse a trial payment plan when it is done you can not get another one offered to you. I need a lower payment. i never got to speak with anyone about this new XXXX XXXX loan. Nationstar just put it on my online account. I never spoke to anyone like my assisgned loan agent XXXX. I dont know if there is a better loan they can offer me. i dont know what the loan plan even entails when it is done. I need help.
Consumer complaint received 2024-03-20
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. (PR)

I received a copy of my consumer report and found the following account ( s ) to be inaccurate and incomplete : I demanded Experian and XXXX as well as the student loan servicer to Update the duplicate account 's payment history to paid as agreed because of inaccurately reporting late payment on Experian and XXXX consumer reporting agencies. XXXX does not have any late payments reporting on it yet the other XXXX companies experiencing XXXX are reporting late payments which we disputed with them several times. We also called in and spoke to Representatives who denied us the right to be able to remedy this negative inaccurate reporting so now we're making the complaint to remedy this violation of the Family Educational Rights and Privacy Act ( FERPA ) XXXX DEPT OF EDUCATION Account Number : XXXX Please correct/update this inaccurate information on my credit report to paid as agreed so these damaging marks do not hinder me from moving commercially as I work hard to maintain my student loans over the years and now this invasive practice by XXXX is damaging my name. 
Family Educational Rights and Privacy Act ( FERPA ) The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ) Use this Law to remove student loans
Consumer complaint received 2024-03-20
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 Number starting with : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX, Whose address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/2023, Dear : whomever who is reading this I hope this letter finds you well. I am writing to officially communicate my decision to opt out of any and all authorizations, whether written, unwritten, or verbal, in accordance with the Fair Credit Reporting Act ( FCRA ), as a protected federal consumer. As per 15 USC 6802, I am exercising my right to revoke any authorization that may have been previously given, and I request that you cease any further use or disclosure of my information in this regard.

Please acknowledge this request and confirm in writing that my decision to opt out has been duly noted and implemented. I appreciate your prompt attention to this matter. Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2018-08-10
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Williams & Fudge, Inc (ID)

On Thursday, XX/XX/2018, I received a phone call from XXXX XXXX at Williams & Fudge Inc. Williams & Fudge is located at XXXX. XXXX XXXX XXXX XXXX, SC XXXX. 

As of XX/XX/2018, the balance owed was XXXX ( an e-mail message has been attached to show the information regarding this and for contact information ). 

When XXXX calls me, her phone number is displayed as XXXX, however, her direct line is XXXX. 

She was calling me in regard to a private student loan that had been sent to Williams & Fudge to collect on. We had spoken before ( an e-mail message from our first conversation on XX/XX/2018, is attached with her contact information ) and I explained that, due to my current financial situation, I was unable to make larger payments and could only afford to make payments of {$50.00}. Which she made note of and expressed that at least it is an effort to show you are willing to make payments toward bringing the balance down. 

On XX/XX/2018, when she called me, she failed to notify me of the proper disclosures, mainly if the call was being recorded or not. 

As the call continued, she then began to ask me if I had spoken to anyone about receiving any sort of help. I explained that I do not have anyone who can help me financially and unfortunately this was all I was able to do for the moment. She then asked, " What about the house you're living in? It's valued at XXXX XXXX XXXX  XXXX dollars. '' I explained to her that the house I live in belongs to my parents, it is not mine, that is their mortgage and they have a number of their own financial issues. 

I have no legal right to the house I live in. I am not on any agreement, mortgage, deed, etc. and I should not have been told the value of that domicile. She and Williams & Fudge made a direct effort to find the value of my parent 's home and not inform me, or them, that that was taking place.

After her telling me about the value of a home I do not own, we talked more about the account. During the discussion, I felt as thought she was pressuring me to make a decision and to find someone or someway to get the money. She stated at one point that she could guarantee that if I settled the account, they would accept me being responsible for only half of the amount owed. She then made a comment in reference to my payments that would arise from the settlement and being around {$50.00}.

However, at the end of the call, she stated that I would need to start finding a way to resolve this and making larger payments 'for my sake. ' She repeated this phrase several times to me. While not directly threatening me using specific verbiage, it felt and carried all aspects of a threat.
Consumer complaint received 2024-03-20
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. (GA)

I recently reviewed a copy of my credit report. I was shocked to learn. I have been a victim of identity theft. I found numerous accounts on my credit report they were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2024-03-20
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. (AL)

I have been contacting XXXX about a loan that has appeared on my credit report. I have sent in documentation about this account not belonging to me. My account was hacked and information was breached which caused a loan to be opened in my name. I have filed an Identity Theft report and also sent it in the CEO and customer service several times. I was told that it would be removed off my credit report within XXXX  days and it is still there. I asked for all documentation from this company to see who obtained the loan. While analyzing the loan, there were no physical signatures on the application. There was a breach in the contract under the truth-in lending law which was also addressed. A fake drivers license was provided and an incorrect address was also provided from this company. I have mailed in certified receipts with signature returns requested. It is now going on XXXX  years and this same car is on my credit which has now gone into a repossession. This account has been illegally been reporting on my credit since XXXX. XXXX has intentionally ignored my requests and has not been in communication with me every since they told me that it would be off my credit in XXXX. I also have sent in documents to XXXX, XXXX and Experian. They also have a copy of my FTC report
Consumer complaint received 2024-03-20
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: Experian Information Solutions Inc. (MO)

I am writing to express my dissatisfaction and frustration regarding the rapid removal of a charge-off account from my credit report, despite multiple attempts to resolve the matter.

I discovered an erroneous charge-off account listed on my credit report. Immediately upon noticing this discrepancy, I took the necessary steps to rectify the situation. I promptly contacted both the creditor and the credit reporting agencies to dispute the charge-off and provide evidence supporting my claim.

This hasty removal has had significant negative implications for my creditworthiness and financial standing. It is imperative that such matters are handled with the utmost care and thoroughness to ensure fair and accurate reporting.

I kindly request a thorough review of my case and a reinstatement of the charge-off account pending proper validation. With this, I am asking for your assistance to remove this account in my credit file : XXXX XXXX XXXX XXXX XXXX Balance : {$3800.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.
Consumer complaint received 2023-12-12
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

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 XXXX 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 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX  XXXX XXXX Balance : {$7000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$7000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX FL XXXX XXXX  XXXX XXXX Balance : {$7000.00}
Consumer complaint received 2024-03-20
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, Whose address is XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX Dear : whomever who is reading this I hope this letter finds you well. I am writing to officially communicate my decision to opt out of any and all authorizations, whether written, unwritten, or verbal, in accordance with the Fair Credit Reporting Act ( FCRA ), as a protected federal consumer. As per 15 USC 6802, I am exercising my right to revoke any authorization that may have been previously given, and I request that you cease any further use or disclosure of my information in this regard. 
Please acknowledge this request and confirm in writing that my decision to opt out has been duly noted and implemented. I appreciate your prompt attention to this matter. Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-10-16
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. (CA)

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following fraudulent items ASAP Im 4 business days of receipt
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

- I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2024-03-20
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: Experian Information Solutions Inc. (NY)

I did not consent, nor benefit from, or authorize any of the following being reported to Account : XXXX XXXX XXXX account ( # ) XXXX - report furnished by XXXX XXXX XXXX. 

Pursuant to 15 USC 1681 ( b ), you did not meet the needs of commerce because I do not find my consumer report to be fair, accurate and equitable to me. 

The IRS clearly defines a charge off as gross or ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 

By Definition the IRS Clearly says a Cancelled debt or charge off is income. The reporting of this account as a debt is inaccurate 15 U.S. Code 1681s2 Says you XXXX XXXX XXXX XXXX are a furnisher of information to a consumer reporting agency. You ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to cease and desist the reporting of incorrect/ inaccurate information immediately. 
15 U.S. Code 1681s2 ( a ) ( 1 ) ( A )