davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Washington Collectors Tri Cities Inc (WA)

My late husband 's car was impounded by XXXX XXXX XXXX XXXX. They sent us the bill and we sent them the check with full amount of XXXX. 

One year later XXXX we got another letter from Washington Collectors Tri-Cities. We called them and told them we already paid and we did not owe any money. They asked us to send them the copy of the check and the dispute letter. So we faxed them. We thought the case was settled. 

But XXXX the collection company sent us a collection letter again. So I called them and they said contacted XXXX XXXX and they said it was not the full amount. And now the original amount is XXXX. We never received the letter that the amount was XXXX. It was XXXX. They must have added the interest. So I explained the situation to a person in charge. She said she will bring up the case in the meeting next morning. We assumed that it was settled. 

My husband had a XXXX XXXX XXXX and we were under a lot of stress. And I did not responded when they sent us another collection letter we got XXXX he passed away XX/XX/XXXX.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (DE)

Experian, XXXX, and XXXX have taken over 30 days to remove inaccurate accounts and unauthorized inquiries on my report. 

AFFECTED ACCOUNTS : XXXX XXXX XXXX EXPERIAN 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 2024-05-23
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. (NV)

I checked my Experian credit report. 
There is an unknown hard inquiry, titled XXXX, dated XX/XX/2024. I have not any business conducted recently that required credit inquiry. I would like to report a fraud. I called Experian today and they placed a fraud report. I was advised to also file a report here.
Consumer complaint received 2023-09-13
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. (NC)

In accordance with the Fair Credit Reporting Act my rigthts have been violated. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 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. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I demand an update to my payment history to PAANL status ( Paid as Agreed, Never Late ) and supply a corrected credit profile to any creditors who have requested a copy of my credit report in the last 6 months.
Consumer complaint received 2024-04-09
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. (FL)

I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-04-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (AL)

I understand that FCRA XXXX mandates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccuracies, which is causing me discomfort.
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. (NJ)

remove all hard inquiries that dont belong to me The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system
Consumer complaint received 2015-10-27
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC (OR)

The short sale of my home was approved by XXXX through the servicer NationStar. We have a closing date of XXXX XXXX, 2015. Now the Servicer, Nationstar, is saying they wo n't allow buyer closing costs to be paid which were on the offer and on the approval ( as stated as item XXXX seller concessions of {$5000.00} ), plus they are trying to negotiate the title insurance fees ( as stated as XXXX as other closing costs ), which were also on the approval. The HUD had been submitted several times with neither the buyers closing costs nor the title fees being mentioned as an issue before yesterday. The buyer can not close without the closing costs as part of the deal. The fees the servicer is trying to negotiate or discount can not be as it is considered illegal to do so. All parties have signed. The buyers lender is ready to fund. My agents have complied with all the requests of the Servicer. They have emailed and left several voice messages to understand what is happening and have had no reply. This is suppose to close and record tomorrow, XXXX XXXX. Due to Nationstar not responding and changing the terms, my sale will not close and my house will go into foreclosure.
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: CREDIT ACCEPTANCE CORPORATION (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 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to be investigated and corrected for erroneous reporting in my file and is listed on my credit report XXXX XXXX XXXX XXXX XXXX Balance : {$26000.00}
Consumer complaint received 2023-09-30
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. (NC)

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX Balance : {$750.00}
Consumer complaint received 2023-09-03
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. (WI)

I recently pulled a copy of my XXXX XXXX, XXXX, and Experian credit report and noticed that I have been a victim of Identity theft. I am in disbelief and this is very XXXX breaking as I am in the process of becoming a homeowner. I tried removing these fraudulent accounts, inquiries, and addresses in the past but nothing changed. The credit bureaus are not abiding by the FCRA Laws 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Seriously, it's been a month since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IXXXX XXXX XXXX XXXX XXXXXXXX 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 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 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 2023-09-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

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 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 2023-11-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: FB FINANCIAL CORPORATION (VT)

I refinanced my home with FirstBank in XXXX of XXXX. 

When I refinanced, I received written confirmation ( in email ) as to my home 's appraisal value that would be used to determine when PMI would fall off the loan. My loan would reach the value for PMI to fall off of the loan in XXXX XXXX. 

In XXXX XXXX, FirstBank informed me that the servicer for my loan was changing : From 'FirstBank Mortgage ' to XXXX XXXX XXXX '. 
This was being done the exact month that my PMI would fall off. 

I called FirstBank sometime after the transition, either in late XXXX, or early XXXX. I delayed calling due to the very premature birth of my daughter in XXXX. 

When I talked to the FirstBank representative on the PMI for my mortgage after changing servicers, they told me that they would not honor the original appraisal for PMI to fall off. They did offer to get a new appraisal done, that I would have to pay for.
Consumer complaint received 2017-12-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

we attempted to make a purchase @ XXXX XXXX and it was declined on our BOA debit card. we used another credit card and paid for the purchase. When I checked my BOA account the funds had been debited EVEN THOUGH THE TRANSACTION WAS DECLINED AND WE PAID BY A DIFFERENT MEANS. I called BOA, they said they would return my call in 8-10 minutes, it 's been 2 hours and I have not heard back from them. So BOA has basically STOLEN over {$200.00} from my account. # 1 ) there was over {$1400.00} available funds so the transaction should have not been declined # 2 ) if a transaction is declined why is the money taken out of my account? That 's STEALING. It will take days for me to get this money back and I have bills to pay and need that money. It is a checking account, not a credit card so this is MY money! Even though it says it " processing '' I still do n't have access to these funds.
Consumer complaint received 2023-10-05
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. (CA)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2023-05-27
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: AMERICAN EXPRESS COMPANY (TX)

American express failed to accept documentation that demonstrated I am a victim of identity theft. They have damaged my credit but I can live with that. The problem has become larger now that Ameeican Express has sold the debt to a third party but continues to report that I owe them. Companies are not allowed to double dip and the FTC will need to get involved to mediate in this illegal act. Companies like American Express need to be held accountable to the damage they have caused innocent consumers.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Eastern Account Systems of Connecticut, Inc. (TX)

After reviewing my credit reports I discovered an account from Eastern Account System Inc. I have disputed these accounts several times with the credit reporting agencies and has gotten no resolution. So, I decided to dispute directly with the company who reported this information. I sent a letter requesting validation of debt for Account # XXXX via certified mail on XX/XX/year>. USPS Tracking states it was delivered and signed for on XX/XX/year>. I have given Eastern Account systems Inc over XXXX  days to response and they have not. I wanted this information removed from my consumer report immediately.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX failing to report payments. the loan was fraudulent and I did not open it. I have disputed it lots of times with all failed attempts. now that they have taken mostly all the money from me during tax time, I was told I'm now responsible for the loan. It shows that I have not paid anything on the loan. when I requested documentation of that, they sent me paper stating that the total I owed was only {$480.00} not {$6700.00} The credit report stated that I owed {$6700.00}. I have disputed it at least 40 times in 6 yrs. and they fail to respond to my letters or disputes. They have been taking my taxes for yrs. now without reporting payment. They broke the loan down into two loans on my credit report and will not respond to me at all. 
XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, IL XXXX is the place they sold the loan to. 
I have the proper receipt from them that all I owe left on the loan is {$480.00} I did not open the loan nor did I sign for the loan. Thank you.
Consumer complaint received 2024-05-23
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 Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (HI)

My business credit is showing to XXXX different profiles when it is being ran. XXXX profile has my personal address and business tradines and the other has my business address but no trade lines. I need these XXXX to be merged together. I have already reached out to experian over XXXX months ago. They told me to send an email and it would take XXXX days but we are way past that timeframe
Consumer complaint received 2024-05-23
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. (CT)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation (GA)

I requested my 1099-c from this company that was cancelled debt. This company is reporting cancelled debt to my consumer report. This is a clear violation of 15 usc 1692s-2. Ive put them on notice that income cant be reported to a consumer report and they are reporting inaccurate information. They havent send me the 1099-c form that I requested to file my taxes properly. They are committing tax fraud!