davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-08
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: Experian Information Solutions Inc. (MI)

I am not liable for this debt with XXXX and do not have a contract with XXXX XXXX XXXX date opened XX/XX/XXXX I am not liable for this debt with XXXX and do not have a contract with XXXX XXXX XXXX date opened XX/XX/XXXX. 
They did not provide me with the original application like I asked. 
Please take a look at this information above and have this info above removed IMMEDIATELY, because it violates my consumer rights along with my FDCPA consumer rights. Thank you!
Consumer complaint received 2022-10-20
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: Experian Information Solutions Inc. (TX)

in Accordance with the fair credit reporting. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under use 1681. 

Account name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX  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.SC 1618C. ( 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 then seven years.

15 U.S.C. 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-16
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. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1881 section 602 A States I have a 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 USC 1681c. ( a ) ( 5 ) Section Stataes no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report more than seven years. 

15 Usc 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-01
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (LA)

Conns XXXX whom I have not purchased anything from. Keeps harrassing me. I have requested they stop calling me if they could not provide any legitimate information. And they have not stopped calling. It's been at least 4 months all day and night. The number is XXXX
Consumer complaint received 2023-05-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

I previously filed a complaint with CFPB, the company replied and I was doing a response to their response but you have closed that prior complaint for some reason. Nothing was resolved. I attempted to call the person on the response as it was directed, but to no surprise, they failed to respond so I am filing again here.
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 4-5 months.
Consumer complaint received 2021-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (VA)

I have contacted Navy Federal Credit Union numerous times as they have account information on all 3 of my credit reports inaccurate. XXXX, XXXX, and XXXX  have different dates they say a payment was made I have asked for proof and I get nothing from them or the bureaus but the information is reported differently. I have sent an email to CEO of Navy Federal also and still no results or fixing the issue.
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am filing this complaint because the Credit Reporting agencies are inaccurately reporting outdated and or wrong information on my credit profile. I have mailed to the agencies my correct and accurate personal info to be displayed on my credit profiles. I will attach the letters I sent to each bureau. Please erase and remove ALL OUTDATED AND INCORRECT personal information from my credit and update with the correct information. I will have attached the info that should be updated.
Consumer complaint received 2022-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I purchased an airline ticket from XXXX on XXXX. 
After making the purchase, the hold was placed on the account for {$530.00}, the purchase posted to the account on XX/XX/22 and today XX/XX/22 Citizens bank still have the item on hold and told me they won't help me. 

I spoke with a supervisor XXXX who was rude and had a nasty attitude. She stated that she is not going to assist me. 
With the additional hold on the account Citizens bank refused to help with so that they can charge me overdraft fees. 

I reached out to the agent via chat and also via phone and neither of the agents assisted me, instead I was told that they will not release the hold from the account.
Consumer complaint received 2023-11-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2022-10-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

Resurgent Capital Services L.P. Is attempting to collect a debt that was deemed a fraudulent account by the FTC, CFPB, XXXX XXXX XXXX XXXX, AND all three major credit bureaus. When I previously disputed this item -- Resurgent Capital Services L.P. response was providing a statement from XXXX showing I made a payment on the account. I am unsure how this " proves '' the account was not fraud and/or the result of identity theft -- it certainly does not meet the legal definition in by the provisions of 15 USC Section 1681i of the Fair Credit Reporting Act. Making a payment on the account does not prove it was not fraud. I made a payment in an attempt to avoid it hurting my credit while I disputed the information. XXXX XXXX XXXX XXXX required that I get a police report, and also an FTC affidavit in order to dispute the charges. Which I did- but the took time. I have attached copies here -- again. My XXXX CREDIT CARDS WERE STOLEN FROM MY HOME. Along with my ID, my social security card, etc. This resulted in identity theft. The cards were not OPENED fraudulently. They were stolen and USED fraudulently to open other accounts. I attached the police report that says as much. 

My next step is to file a complain with the Florida Attorney General 's office and also to file suit against Resurgent Capital as I have med the burden of proof that these items are a result of fraud AND they they have already been removed from my credit previously. Which means that Resurgent IS still attempting to collect a debt.
Consumer complaint received 2022-10-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (MI)

During Covid, we electronically signed a 9 month apartment lease for my daughter to attend college. The day I signed, was traveling for business and read agreement, noticed their error and called. The " kid '' answering the phones for XXXX 's XXXX said he was the one who drew it up and wpuld make the change and file it. My daughter, XXXX, and I repeatedly called and wrote messages in the portal - every time they apologized and said it would be corrected. When she was moving out, they imformed her it was a 12 month lease ( her roomate, wh she signed with had a 9 month ) - we explained the whole situation and they denied it. I wemt to the portal to retrieve the messages and was locked out of it. I have corresponded in writing, letters, directly to them and collections agency. The collections agency discontinued contacting me after the letter and is now contacting my daughter. The error is on their inept staff and due to short staffing issues during covid. My daughter and her roommate were never able to get answers and when they would walk to the office, no ome would be working. We paid our 9 months. 
We were out of the apartment after 9 months, paid on time and respectful renters. Change the lease to the 9 month period and we are paid in full. As we repeatedly tried to get them to do and employees stated they would get it changed. " No problem ''. But when we would ask for a revised copy there was no response, calls, messages. Just please drop the invalid 3 mos rent. A XXXX in college, came home for the summer - 2021
Consumer complaint received 2022-10-19
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NY)

I made a purchase from XXXX XXXX XXXX XXXX  using a XXXX XXXX XXXX XXXX XXXX Card. When I received the XXXX XXXXXXXX XXXX billing statement I paid the bill in full from my business account but for some unknown reason the amount was refunded back to my business bank account a week or so later. The next statement included the original amount plus a late fee and interest fee. I contacted XXXX XXXX XXXX XXXXXXXX XXXX  Card and they refunded the late fee but not the interest fee. They instructed me that I should go online and attach proof that I paid or attempted to pay the original billing statement amount, but for the last month their web site has informed me that due to a system problem they can not receive attachments. I have now paid the original amount from another account but I am disputing late fees and the interest fees. I opened a case with them but now they have sent a new bill with another late fee and interest fee. It was my understanding that if I opened a dispute they would not charge me late fees and interest until the dispute was settled. They have informed me they would be in touch with me but they have not answered any of my messages online, nor have they emailed me. When I call them I am usually on the phone for at least an hour and I have to talk to a manager but they have informed me there is nothing they can do to cancel the fees. My case number is XXXX.
Consumer complaint received 2023-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN HONDA FINANCE CORP (HI)

I have not Supplied proof under the doctrine of Estoppel by Silence Engelhardt V. Gravens ( mo ) 281SW 715,719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2022-10-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX I attempted to resolve the accuracy of my report with the companys listed above but it has not been resolved. 

in accordance withe the fair credit reporting act XXXX  account # XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. Has violated my rights. 

15 U.S.C. 1681 SECTION 602A. STATES I HAVE A RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY FURNISH ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2022-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

i have a XXXX a punt thats on my equifax and XXXX credit report this account is fraud and it needs to be deleted and blocked, im suing XXXX for a data breach and leaking my information on the dark web, because of this data breach this has caused a lot of issues with identity theft, i did file a ftc identity theft report about this account please take this account of my credit reports its fraud and someone is using my name
Consumer complaint received 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-01-04
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. (GA)

In accordance with the Fair Credit Reporting act XXXX account # XXXX, has violated my rights. 

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
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$3400.00} ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$4100.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2016-02-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (KS)

ever since XXXX mortgage sold our account to nationstar we 've been getting harrassed with written statements none stop. we went through bankruptcy XXXX last year in XXXX to be done with this but nationstar still harrasses us to this day. charging up insurance and other stuff to a non existent account. we 've had XXXX lawyers send them letters telling them to stop harrassing us but they twisted that into only verbal and not written. so now i ca n't contact them but they still harrass my family non stop with written statements.
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

Someone is using my identity and openeing fraudulent accounts in my name. Credit bureaus are reporting phone numbers and addresses that I never been associated with. I have alot of inquires on my report that I dont recognize. My credit report looks very horrible and this is defamation of my character. I am more responsible than what the credit bureaus are making me look.
Consumer complaint received 2023-06-13
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. (TX)

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. The letters are stated with items and issues.
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-16
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NEW YORK COMMUNITY BANCORP INC (NC)

I have my mortgage with Flagstar Bank. We are behind on our payments due to illness. But they are working with us. In the mean time, I keep getting calls from someone who claims they are with Flagstar and telling me I have to send them money before the end of the business day to avoid foreclosure. They want it sent as a money order via XXXX XXXX. I have spoken with Flagstar and they have assured me that these people are not connected with them and that they dont conduct business that way. 
They call me at least twice a week and leave messages. They called me yesterday and again today. The number they call from is XXXX. The number they want me to call is XXXX. I dont want to report Flagstar as they have been nothing but helpful. I just want something done about these scammers. I realized it was a scam before it was too late. Someone else might not.