davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-13
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. (NJ)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Experian is reporting a collection account from XXXX XXXX for XXXX XXXX XXXX that is not owed. I contacted XXXX XXXX XXXX at ( XXXX ) XXXX regarding this account and XXXX XXXX XXXX advised me that there is no account found in my name nor social security #. I work at XXXX XXXX XXXX XXXX for over six years and have XXXX XXXX insurance coverage for my myself and my family. This medical debt should not be reported on my credit reports because it's not owed and President Biden signed a bill regarding medical debt being reported incorrectly.
Consumer complaint received 2023-05-19
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: Experian Information Solutions Inc. (VA)

Account name : XXXX - Acct. # XXXX, Account name : XXXX - Acct. # XXXX, Account name : XXXX XXXX - Acct. # XXXX, Account name : XXXX XXXX - Acct. # 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 an 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 2021-03-10
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: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX  XXXX ... PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

My loan keeps getting moved around as the mortgage companies keep getting bought out. First my loan was through XXXX then to XXXX then to XXXX XXXX and now XXXX. Every single time my loan gets moved around, the month that their transition happens the new lender marks my mortgage as 30 days late. I have NEVER been late on my mortgage, it gets automatically taken out of my bank account every single month. Every time this happens I call the lender and they tell me there is nothing they can do and I have to dispute it on my end. This is negatively affecting my credit score for no reason and it's not fair that I suffer the consequences. I have no say in my loan being moved over when the mortgage company gets bought out and I have never done anything wrong. None of these companies have ever been willing to fix this and they have no explanations for why it keeps happening. To me this is illegal, I am paying every month exactly like I should and I get punished because they sell their company to another. I have been able to get a couple of them fixed but I have a new one from XXXX and I absolutely have proof that I paid it and they won't reverse the late payment mark. I also have one from XXXX last year that has not been reversed that I have fought.
Consumer complaint received 2023-05-13
Product: Credit reporting, credit repair services, 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. (NC)

I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604. This action was initiated without any proof from any of the companies reporting. These inquiries are not factual since I never authorized them. The FCRA requires all reporting agencies to follow up and investigate those inquiries in question or delete. 

XXXX XXXX ; Date : XX/XX/XXXX XXXX XXXX ; Date : XX/XX/XXXX XXXX ; Date : XX/XX/XXXX XXXX  ; Date : XXXX XXXX XXXX ; Date : XX/XX/XXXX XXXX XXXX ; Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  ; Date : XX/XX/XXXXXXXX XXXX XXXX ; Date : XX/XX/XXXXXXXX XXXX XXXX ; Date : XX/XX/XXXX
Consumer complaint received 2023-08-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (NM)

Someone in another state has been using my tin or social to get phones from multiple companies. I have had a freeze on all accounts for more than a year once I found this out. For some reason the phone companies keep allowing this person to get phone after phone, even though I have a freeze on my credit reports
Consumer complaint received 2017-02-06
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (GA)

Nationstar Mortgage is not providing a loan pay off statement despite numerous requests. Are they not legally obligated to provide this in a timely manner. Also, they state on their website that I am charged {$25.00} every I request a payoff statement. I have requested it XXXX times. Yet, they have sent me nothing. So, they are going to charge me {$75.00} for them not doing anything?
Consumer complaint received 2023-08-03
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: SUNCOAST CREDIT UNION (FL)

On XX/XX/2023, multiple attempts were made to access my savings account in XXXX Florida. At a XXXX located XXXX XXXX XXXX XXXX, {$400.00} was withdrawn from my account. I immediately contacted Suncoast Credit Union & reported the unauthorized transaction on XX/XX/XXXX. Suncoast Credit Union told me between XXXX business days I would have my funds reimbursed into my account. On XX/XX/XXXX I contacted SCU and the bank stated there wasnt any updates on my dispute & by the end of the day I would have a response from their dispute department and I received no such communication. On XX/XX/2023 I once again reached out to SCU and they stated that it would not be a guarantee that I would be issued a refund. & that I should contact the ATM Company who allowed this withdrawal. I want it noted that I do NOT live in XXXX Florida. I live in XXXX Florida and all of my last recent transactions were in XXXX.
Consumer complaint received 2017-02-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (TX)

Three months ago I requested that NationStar mortgage stop deducting the optional insurance from my mortgage. I even provided the necessary cancellation number they requested from the home warranty company, they still continue to deduct the insurance. it is now XX/XX/XXXX, they are still deducting the optional insurance from my mortgage. I have never dealt with a worse mortgage company. I ca n't get them to stop. I have called them. I do n't know what to do. I 'm on Social Security.
Consumer complaint received 2023-01-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

my PayPal account was permanent limited on XXXX they're permanent limited my without reason. i try to please theme to back my account but they rejected and said there nothing they can do to back my account. my PayPal is very important to me because that's all i have to earn money. please help back my account. i really need my account.
Consumer complaint received 2023-07-11
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

bank of America reporting a this fraud act on my credit and XXXX didn't have proven that this was accurate only because Bank of America said it accurate they have been damaging my credit for over 4 years
Consumer complaint received 2023-08-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Selene Holdings LLC (CA)

Selene Finance claims I did not have insurance for my property located at XXXX XXXX XXXX XXXX, CA. 

House is covered with full lender requirements with no lapse of insurance at any point in time. 

proof of insurance was sent along with the declaration page to selene finance via their requested medium. I sent Selene my insurance agent 's phone number, and over the course of the next 4 months I have sent them this documentation at minimum 5 times via email and uploaded directly to the XXXX website. I Had my insurance agent reach out to them directly, and provided Selene Finance with insurance contact info. 

They have continued taking money from me for a forced placement policy in the amount of at least XXXX dollars over the next 4 months. They have refused to refund me despite no lapse in coverage or errors on my part. 

Selene was notified of the new policy right away. Selene was sent insurance agent 's number. Selene was emailed copies of the insurance info selene needed, and I personally called selene to let them know the day of the binding of the new policy.

Date of last contact with Selene XXXX XXXX XXXX  Communication means E-mail Phone ( multiple disconnects and refusal to to call me back ) Person communicated with : Unknown Agent of company
Consumer complaint received 2023-05-19
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: Experian Information Solutions Inc. (MD)

I have attempted to have updated information report on my credit report to represent my name as XXXX XXXX XXXX XXXX. I reside at XXXX XXXX XXXXt, XXXX MD XXXX. On numerous attempts disputes have been filed with all three credit entities without resolve
Consumer complaint received 2015-12-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Bull City Financial Solutions, Inc (NC)

I CLOSED XXXX ACCT AND REAL ESTATE COMPANY/LANDLORD DELAYED THE ACCT CLOSURE UNTIL THEY HAD SOLD AND CLOSED ON THE HOME I WAS RENTING.  THEY ASSUMED MY IDENTITY AND ISSUED APPROVAL FOR ACCOUNT TO REMAIN OPEN IN MY NAME.  BULL CITY HAS BEEN ADVISED OF THIS AND HAS CONTIUNALLY EVADED THE TRUTH OF THE ISSUE.
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MD)

This was my fifth time of notifying the Experian and XXXX that I was a victim of identity theft, and this is another request to block and remove these inquiries from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to block and remove any items not later than 4 business days after the ( XX/XX/XXXX ). Ive already included this report in my previous letter & I am including it again. Also, I found another unauthorized inquiry in my XXXX Credit Report, and I know that this inquiry was opened without my permission. Please see below the inquiries that I urgently needed the 3 Bureaus to remove : EXPERIAN : 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 2023-08-03
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: TRUIST FINANCIAL CORPORATION (UT)

On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, consumer, XXXX XXXX, submitted applications for a consumer credit transaction to obtain a vehicle for personal, family and household purposes. 

Pursuant to the Equal Credit Opportunity Act, Federal Reserve Act and Truth in Lending Act, corporation illegally denied an extension of credit to the consumer. 

REGIONAL ACCEPTANCE CORPORATION sent consumer on XX/XX/XXXX the first of three denial letters providing evidence of discrimination. 

REGIONAL ACCEPTANCE CORPORATION was put on notice on XX/XX/XXXX with the first notice of dispute sent to XXXX XXXX in XXXX, NC, XXXX XXXX XXXX : XXXX Consumer submitted her third and final consumer credit application on XX/XX/XXXX and was notified by the dealership that she had been discriminated against for a third time. At that point the consumer reached out via telephone and eventually spoke with center manager, XXXX XXXX. XXXX XXXX forwarded an email to XXXX XXXXXXXX, Operations and Process Improvement Manager who caused a letter to be mailed to the consumer and continued to facilitate the discrimination against the consumer. Letter was dated XX/XX/XXXX. 
Consumer provided a final notice XX/XX/XXXX allowing XXXX XXXX to respond by XX/XX/XXXX. Consumer reached out to XXXX XXXX who stated that her response was under review and XXXX XXXX was notified that CFPB and FTC Complaints would be submitted
Consumer complaint received 2023-08-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc. (NV)

Aargon Agency is attempting to collect on an alleged debt that I do not owe. This continued harassment is causing me significant harm and emotional distress. I have never done any business with Aargon and demand that they cease and desist any further communication with me in regard to this account. Pursuant to the FDCPA I am refusing to pay this alleged debt and do not want any further communication with this company. Any communication with a consumer reporting agency in connection with this account will result in a federal or state lawsuit.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SameDay Auto Finance, LLC (TX)

You are reporting incorrect payment information for account SAMEDAY AUTO FINANCE XXXX. This is a clear violation of the FCRA. I will attach my credit report to show the inconsistent information being reported. I also sent dispute letters 5 months ago. The letters are dated, and time stamped and will also be attached for your reference. I do understand that each violation has a fine up to {$1000.00}. I will be seeking legal action due to negligence, pain and suffering, and many FCRA violations. I am requesting that this account be removed or updated to show my true creditworthiness.
Consumer complaint received 2023-08-03
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: CORELOGIC INC (FL)

I am writing to address a concerning matter regarding the reporting of my credit information by your agency. It has come to my attention that late payments and credit utilization data have been included in my credit report, despite falling under the exclusions of transactions and experiences as defined by the law. I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 ( a ) ( 2 ), which requires consumer reporting agencies to provide accurate and fair credit reporting. Additionally, 15 USC 6801 and 6802 ( b ) ( 2 ) explicitly state that nonpublic personal information, including transaction and experience data, should not be disclosed without proper authorization. By including late payments and credit utilization data in my credit report, your agency is in direct violation of these federal laws. As a result, this inaccurate and misleading reporting is adversely affecting my creditworthiness and financial standing. Moreover, these violations raise serious concerns about this agencies blatant misuse of my personal information and other fraudulent activities. Under 18 USC 1028 ( a ), such identity theft offenses are subject to criminal penalties, further emphasizing the gravity of this matter.
Consumer complaint received 2024-04-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: ALLY FINANCIAL INC. (CA)

On XX/XX/XXXX i was looking at the spending on this account. I should have been looking more closely i didn't recognize most of the transactions. I thought it would be best to just close the account and pay for the old fraud. I explained that to the rep and they said the account was blocked from more transactions coming in. but then there were two more fraud transactions. The account " failed '' to close. I called again to close a second time this time it has XXXX cents left so it didn't close. Then another XXXX $ in fraud came in.So on the XXXX I put XXXX $ in to again cover the fraud but it still didn't close because another XXXX $ of fraud came in. Now i have the account blocked from spending which makes it so I can't close the account.
Consumer complaint received 2023-05-19
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the 611 - 15 U.S.C. 1681i 59 disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. ( C ) Limitations on extension of period to reinvestigate. Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ( B ) Provision of other information. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). 
I HAVE DISPUTED THIS ACCOUNT ON MULTIPLE OCCASIONS. THE MOST RECENT BEING XX/XX/2023. XXXX XXXXXX/XX/XXXXACCOUNT IS NOT MINE. PLEASE SEND A COPY OF MY WET SIGNATURE AND MY ID VERIFYING THAT MY IDENTITY WAS USED WITHOUT MY PERMISSION
Consumer complaint received 2022-10-24
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. (PA)

Experian has failed to remove the account ( XXXX XXXX XXXX Account number XXXX {$400.00} past due as of XXXX XXXX ) from my credit report. They have failed to prove I am the owner of this debt and have failed to provide their investigation process on how they came to this conclusion. I don't believe this matter is being legally investigated.
Consumer complaint received 2024-04-07
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: American Credit Acceptance, LLC (VA)

I have had an issue with American Credit Acceptance with the way they have handled my situation and have never tried to give me any answers. 

I had saved up the total i needed to pay of my car and i called to make the final payment. I spoke to a lovely lady who told me congratulations and etc. so i waited, waited waited, my title never arrived. 

I called back a few weeks later to check the status and they told me that I still owe them {$3000.00} before they can send me any information. 

I feel this is very Shady and I would love to have someone look into it. I asked for documents for my payment history and I was met with attitude.