davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

I tendered a payment in the form of a negotiable instrument to the CFO XXXX XXXX in the amount of {$180000.00} dated XX/XX/2023 via certified mail # XXXX received XX/XX/2023. I also remitted another negotiable instrument to their remittance department the same time I sent the first to the CFO, also did not receive acknowledgment or receipt of my payment. I followed the laws according to FL Statute Chapter 673 when tendering the negotiable instrument. I did not receive it back, receive credit to my account or received notice that my instrument was incomplete. I instructed him to write me a letter within 5 days of delivery and he failed to do so 3 times now. Pennymac has now filed a lawsuit in the courts on XX/XX/2023 despite being paid in full. I have also made a complaint to the OCC and attorney general in the state of Florida.
Consumer complaint received 2023-04-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (FL)

I sent a check to a vendor via mail. Somehow someone else intercepted the check and deposited it via a phone app into their account. after months of filing claims and paperwork the depositing bank has not responded. It is a stolen check and yet I have to pay for both banks failures. This is not acceptable the banks involved are XXXXXXXX XXXX  and Wells Fargo Bank. The check amount is $ XXXX and XXXX has not received a reply back from Wells Fargo XXXX Money was stolen from me and no one will do anything other than send a letter and call it a day. When I spoke with Wells Fargo they informed me that they will not accept any emailed documents and the request need to be in writing. XXXX has sent the information to a different mailing address and has not received a reply. When I follow up with Wells Fargo they say they can not give me any details and I need to speak to XXXX. Round and Round We Go the depositors account did not even have the same name as the check was written out to.
Consumer complaint received 2023-03-06
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: EQUIFAX, INC. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-09-26
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. (NY)

I am writing to convey my profound DISSATISFACTION with your recent assertions concerning my accounts. I am REJECTING these claims due to the absence of any substantive facts or evidence supporting your allegations. Therefore, I strongly encourage you to promptly initiate a comprehensive inquiry into these matters. I demand that you expeditiously challenge these accounts and furnish me with well-documented evidence substantiating your stance. Failing to do so will leave me with no alternative but to pursue legal action to safeguard my rights and rectify this matter. 

XXXX XXXX
Consumer complaint received 2024-04-22
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. (FL)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2015-10-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (FL)

We had broken pipe in the XXXX floor bathroom, while away on vacation for 2 weeks. There was mold when we came back on XXXX XXXX 2015.We did not wait for insurance claim check and hired and paid in full licensed mold remediation company. The job was completed on XXXX XXXX 2015. Nationstar Mortgage received our endorsed claim check for mold remediation on XXXX XXXX 2015. It is a nightmare ever since. For the past 2 months I called to loss department XXXX times, every time they ask the same information over and over.After I sent to them Documents numerous time ( they can not read the signature, they do not see XXXX balance on contract, they lost my contract all together and can not find it XXXX they would say it will take 5 business days for resolution department to review my claim. The next time I call we would start again from square one with an other representative, who would start reading notes, etc. It seems nobody can do their job in Loss Drafts Department. They hold my claim check for Mold Remediation for 2 months. Every time I call they come up with something new. Today Rep by name XXXX XXXX read the notes again, and told me someone will call me back in 2 business days.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am submitting this complaint to bring to your attention a critical matter related to the reporting of child support obligations on my credit reports by TransUnion and XXXX. 

Child support obligations are not credit transactions, loans, or debts. Despite this, both TransUnion and XXXX inaccurately reported my XXXX XXXX obligations as delinquent credit accounts, violating federal laws, including the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 

I have not entered into any credit agreements or loan transactions with the XXXX XXXX XXXX, yet the inaccurate reporting of these obligations has severely impacted my creditworthiness and financial well-being. This inaccurate reporting also directly contradicts TransUnions own statement that they can not report delinquent child support to credit. 

I have diligently fulfilled my XXXX XXXX obligations in accordance with the law, and it is essential that these erroneous entries are promptly removed from my credit reports to rectify this violation of my rights. 

I kindly request that the CFPB investigates this matter to ensure compliance with federal laws and takes necessary actions to correct these inaccuracies, which have adversely affected my financial standing. 

Thank you for your attention to this matter, and I look forward to a resolution that upholds consumer rights and adheres to the law.
Consumer complaint received 2023-08-07
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (DE)

XXXX XXXX has singlehandedly and intentionally sabotaged my credit with their false credit reporting. I hold 3 different accounts. One with XXXX XXXX, one with XXXX XXXX, and one with XXXX XXXX. As of today they have closed all three current non delinquent accounts based on a retaliatory act. They claim that based on their information I am considered a high risk of failure to pay. Mind you I have never defaulted on any existing creditor or have been late with any existing creditor for over 7 years. I have waited 7 years to establish new credit after I was forced to file for bankruptcy 7 years ago due to outstanding medical bills. But when I hit my 7th year XXXX has been nothing but disrespectful towards me treating me like an XXXX that has no credit.. This complaint has to do with my XXXX account. I have paid down this project monthly as agreed with the contract. But thats not good enough! I have paid more than the minimum payment for several years not once missing a payment and the thank you I get for being a great customer is " we are closing your account because you are a risk of not paying. '' On my credit bureau, Again there are no indications of defaulting on any of my creditors, on the contrary I have an outstanding payback history Any negative reporting has been caused by XXXX XXXX  and their false claims that I went over my credit limit by 300 percent due to their retaliatory act of reducing my credit line because I retracted a payoff to the XXXX XXXX account, this after they froze my account for a suspicious large payment. Since XXXX of XXXX they have been claiming i became a high risk of not paying and have reported incorrectly to my bureau ruining my credit score. Something needs to be done. No other creditor does this lunacy to good customers.
Consumer complaint received 2023-09-26
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: Experian Information Solutions Inc. (CA)

I have been a victim of identity theft. my information has been compromised due to multiple data breaches. I have inaccurate details and unauthorized accounts listed on my credit report. I have made several attempts to dispute inaccurate information. I have asked for a sworn testimony of method of verification and have not received that. I still have yet to receive remedy for these disputes. There has been multiple violations per the Fair Credit Reporting Act. Now I have no other choice but to take it to court.
Consumer complaint received 2023-09-26
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. (CA)

I have been a victim of identity theft. my information has been compromised due to multiple data breaches. I have inaccurate details and unauthorized accounts listed on my credit report. I have made several attempts to dispute inaccurate information. I have asked for a sworn testimony of method of verification and have not received that. I still have yet to receive remedy for these disputes. There has been multiple violations per the Fair Credit Reporting Act. Now I have no other choice but to take it to court.
Consumer complaint received 2024-04-01
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)

Please take a look at the attached letters and ID docs for verification that it is I 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 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

Please take a look at the attached letters and ID docs for verification that it is I 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 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation (GA)

Around last year time frame I have a balance of around {$660.00} with an aspire credit card. I called to pay the balance down and they lady over the phone explained to me that I called at the right time because they was offering a 100 % match program and that my account qualified. I asked her is i payed the {$330.00} what would happen to the account, she explained that it would be {$0.00} and it would stay open for use. Literally as soon as I made the payment about 3 days later I noticed the account went to closed status and charged off.. I immediately called them and they have now kept forwarding my calls to this scam like collection company name XXXX XXXX XXXX. These people can not answer one single question about my account nor provide me with any information.. I mean ZERO information. This is illegal and goes totally against the consumer law. My account should have not went to these people in the first place and also on my credit report it still says aspire have the account but that is also incorrect according to aspire. Thanks
Consumer complaint received 2024-04-01
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. (GA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-04-26
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: EQUIFAX, INC. (NY)

I have disputed a couple charge off thats are negatively reporting every month like a payment history on each of my credit report. They have not fixed the issue on my credit report. Its an XXXX account that has charged off XX/XX/XXXX but is showing past due as of XX/XX/XXXX of {$540.00}. I sent in letters and disputed on the online account and nothing has happened. A couple others the same exact thing. XXXX XXXX tab same thing reporting as charge off every month as of XX/XX/XXXX in the amount of XXXX and XXXX XXXX  same thing as of XX/XX/XXXX they are reporting every month as a charge off.
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ACIMA CREDIT, LLC (TX)

I've reached to Acima regarding this fraudulent item being reported by XXXX and requested an original contract with a wet signature to verify the alleged debt. Acima has failed to provide the requested information and has violated my consumer rights per Title 15 USC code 6802. Acima failed to provide any disclosures that would allow me to opt-out of reporting as a consumer, which is their obligation. Acima and XXXX continue to practice in an unlawful manner, which could lead to legal action.
Consumer complaint received 2024-04-01
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'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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

My concern pertains to the account in question, which is erroneously listed as a late payment account. I insist that you furnish concrete evidence of this account being 30 days late and, if such evidence is not forthcoming, I demand the immediate removal of the negative payment status associated with this account from my credit report. I take this matter seriously, and I expect a thorough investigation into this dispute as well as a resolution that aligns with the laws and guidelines set forth to ensure accurate credit reporting. As the creditors regarding the validity of the debt, but they did not provide any. As I am looking over my credit report, this account is incorrectly being reported as a late payment account. Please provide proof of the account was 30 days late and delete the negative payment status on this account. XXXX BANK XXXX. XXXX.
Consumer complaint received 2023-09-02
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. (AZ)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 

2. 15 U.S. Code 1681c2 - Block of information resulting from identity theft XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 3. 15 U.S. Code 1681c2 - Block of information resulting from identity theft XXXX  Account Number : XXXX Delete From My CREDIT REPORT 4. 15 U.S. Code 1681c2 - Block of information resulting from identity theft XXXX XXXX XXXX Account Number : 19 Delete From My CREDIT REPORT 5. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE THD/CBNA Account Number : XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES CNS PORT SVC Account Number : XXXX Delete From My CREDIT REPORT 7. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX Delete this account. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Account Number : XXXX Delete this account. 


XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXXXXXX XXXX XXXXXXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX
Consumer complaint received 2023-12-06
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)

Upon reviewing my credit report, it has become evident your company, acting as a consumer reporting agency, along with the so-called " creditor, '' have unlawfully provided my information without obtaining my written consent, as explicitly required by 15 USC 1681B of the FCRA. It is imperative that you understand that I do not consent to the unauthorized furnishing of any of my information by any means, as delineated by my rights under the FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, in light of the provisions stated in 15 USC 1692a ( 2 ) of the FDCPA, it is evident that the transmission of information regarding a debt, directly or indirectly, through any communication medium constitutes a " Communication. '' As per the literal interpretation of " any medium, '' this encompasses various forms of communication, be it oral, written, electronic, or others. Therefore, the act of furnishing my consumer report, which contains information about the alleged debt, constitutes a " Communication '' under the FDCPA. 
In accordance with my rights outlined in 15 USC 1692c ( c ) of the FDCPA, I hereby provide you with formal notice to immediately cease all further communication pertaining to this account. This includes, but is not limited to, any form of contact such as telephone calls, emails, social media interactions, or any communication made through a Consumer Reporting Agency. 
Please be advised that any continued contact or communication from your company or its agents, except for a communication acknowledging receipt of this letter, will be viewed as a violation of the FDCPA. It is crucial that you take this notice seriously, as I am fully prepared to exercise my rights under the law. 
Failure to respect this cease-and-desist notice will leave me no choice but to pursue legal action against your company. Please understand that in any ensuing legal proceedings, I will seek all available remedies and potentially claim damages allowed under the FCRA and the FDCPA. 
I urge you to promptly address this matter and comply with this cease-and-desist notice to avoid the need for further legal intervention. I kindly request a written acknowledgment of receipt of this letter, along with your commitment to comply with the instructions provided.
Consumer complaint received 2023-04-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (FL)

I have received 3 notices from " Credit Collection Services '' in XXXX, Mass. stating I owe XXXX XXXX {$790.00}. I sent back their notice reporting that I did not owe this nor do I have an XXXX XXXX account. They have ignored my responses. I have also called them x3-first 2 times they hung up on me.

Today I called and got a rep named XXXX who said I owe the above amount. She told me to contact XXXX ( which I have done XX/XX/23 and again today, XX/XX/23. 
I was transferred to the ID Theft Dept and finally the XXXX XXXX Security Team who stated they have no record of an account with them, or of an invoice stating I owe any money to them, and they will research. 
I do not want my credit rating affected or ruined because of this. 

The company is harassing me and XXXX personnel stated it may be a scam or an attempt at ID Theft. 
I want to file an official complaint against : Credit Collection Services, XXXX XXXX XXXX, XXXX, Mass XXXX Phone= ( XXXX ) XXXX -- XXXX. Thank you.