davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-01
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. (GA)

I have a right to contest any information on my credit report that I believe is inaccurate. I am contesting any information on my credit report that I believe is not accurate. The data included in this document must be documented and validated before it can go onto the actual reports! The allegations of delinquency and derogatoriness are without evidence, so I refuse to accept them as true. Let me take a moment to inform you that the reportability of this allegation has been challenged. It doesn't meet federal or state requirements for reporting, so please make sure it's as accurate and thorough in its entirety before submitting anything! The law requires that you make sure all of your claims are accurate and reported in the correct format. This is a great way to ensure compliance with regulations, so we hope this reminder helps! All of our information must be reported accurately and according with XXXX XXXX regulations or else you could face fines! AGAIN! Please take this seriously. I am writing to remind you that all your claims need accurate reporting in order for them be reported correctly, which is required by law ( FCRA ) and XXXX XXXX standards.For any account that is alleged to be delinquent or derogatory, I would like evidence showing why you and the company who provided the data to you consider the financial state as such. The law requires that I have proof of a permissible purpose for any inquiry within my report. Therefore, I am requesting that you verify permissible purpose was provided for each account and inquiry. You have 30 days to investigate this matter and confirm that it is being reported correctly or remove any errors from the report. I am looking forward to receiving your proof of action and my updated credit report.
Consumer complaint received 2023-06-03
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. (SC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$23000.00} XXXX XXXX Balance : {$24000.00} XXXX XXXX Balance : {$23000.00}
Consumer complaint received 2022-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: MUFG AMERICAS HOLDINGS CORPORATION (CA)

I am a credit card holder from Union Bank, XXXX XXXX XXXXXXXX, XXXX, TX XXXX. I, In the last 5 years, I have made only one transaction in this account. It was in XX/XX/XXXX for a balance transfer. The balance of {$7200.00} in this transaction was paid in full on XX/XX/XXXX. I have not made any transaction since then and did not activate new cards which means my account was inactive since XXXX. The Union Bank 's statement of XX/XX/XXXX shows that the balance in my account was XXXX. However, in the statement of XX/XX/XXXX, the balance jumped to {$1100.00}. It shows that the Union Bank has allowed a fraudulent transaction to take place in my inactive account. I have written a letter dated XX/XX/XXXX to the bank about this fraudulent transaction but to date there is no response. Also, I called Union Bank on XX/XX/XXXX and spoke to XXXX. He assured me that he would forward my complaint to the fraud div. but to date there is no response. My credit score is XXXX and XXXX  years of my credit history there is not a single missed payment.
Consumer complaint received 2023-06-15
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. (FL)

I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.
Consumer complaint received 2024-06-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Trying to access account online or on mobile app results in a request to enter an access code, the issue is there is no choice of my phone number or email address to receive an access code. To get an access code results in at least a 1/2 hour wait and navigating through automated customer assistance to get to a real customer associate to get an access code. I have spoken to BofA 10 times in the last 2 weeks to get this problem fixed, there has been no resolution. This seems to be an IT issue on B of A 's end and no one will help rectify it. My contact info is correct for my account.
Consumer complaint received 2023-06-03
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. (TX)

I found out that you are not removing files after I sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not REMOVE the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. The following are inaccurate items ; XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XXXX Balance {$0.00} ; XXXX  XXXX Balance {$0.00} ; Bankruptcy XXXX XXXX discharged Date Filed XX/XX/XXXX Reference # XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX ; XXXX  XXXX XX/XX/XXXX ; Certified Credit Rep XX/XX/XXXX ; Certified Credit Rep XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XX/XX/XXXX ; Certified Credit XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX  XXXX XXXX XXXX Balance {$0.00} ; XXXX  XXXX Balance {$0.00} ; XXXX  XXXX Balance {$0.00} ; XXXX  XXXX Balance {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX
Consumer complaint received 2015-06-29
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC (CA)

On XXXX XXXX my Husband and I gave {$2700.00} Dollar as earnest moneyto purchase a new house. Property price {$400000.00}. Lot Premium {$18000.00}. 
we wanted a Va loan.Va allow you {$410.00} we stated several time that wewould like to pay any thing over XXXX along with our up grade out ofpocket. our upgrade came to {$48000.00}. we gave {$5400.00} at the show room. 
we were told that we would close on XXXX XXXX that did happen. we were homeless for XXXX days calling every day we had to put our things in storage and stay in hotel costing us more money. after being with out home and no place to go now the docs are ready .we go to sign the docs and that our loan has been finance for XXXX this is after they had me to wire escrow {$70000.00}.
Consumer complaint received 2017-03-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (TX)

I went to check my credit report on XX/XX/2017 and I notice that they were showing my chapter XXXX bankruptcy. The information that is on my credit report was pulled from a third-party reporting agency. The clerk of court of XXXX County told me that they do not report public information to the credit agency. Therefore this information needs to be deleted from all of the credit reporting agencies.
Consumer complaint received 2024-05-25
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: DISCOVER BANK (TX)

This account has been disputed several times and with all the investigations and understanding of the FCRA then anyone in the line of work should know that an item should stop reporting and be removed after XXXX years from the XXXX date of delinquency, what happened through updates and ongoing non investigation is that the time of delinquency was scrubbed, removed and extended the length of time as if this never occurred? Please remove this account immediately to remain compliant of FCRA account XXXX Discover loan
Consumer complaint received 2023-06-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery submits and falsifies information regarding an out dated account each year. When challenged they will remove the account, wait about 6 months and renter the information as though it is a new account. 

They are pretending to be XXXX XXXX  a company who finance my XXXX car in XXXX. My car note was {$460.00} a month. 
My car has been paid in full for several years. 

The information for this account has been changed several times. It started with a purchase from XXXX which was sold to XXXX XXXX., who sold it to portfolio recovery when it was about to expire. Portfolio recovery falsified the date. Each time I dispute it, they remove it and return it as a new account with falsified dates. 
I received a line of credit from XXXX XXXX  in XXXX. I never used the card. They are using this information to make the charge look valid.
Consumer complaint received 2020-12-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

am writing to delete the following inaccurate, contradictory information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make these alleged charges. I ask that the items be permanently deleted from my credit report and updated. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible as it is hindering my abilities as I'm trying to advance in my life by getting a house to provide for me and my kids.
Consumer complaint received 2020-12-13
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. (MI)

am writing to delete the following inaccurate, contradictory information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make these alleged charges. I ask that the items be permanently deleted from my credit report and updated. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible as it is hindering my abilities as I'm trying to advance in my life by getting a house to provide for me and my kids.
Consumer complaint received 2020-12-13
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: EQUIFAX, INC. (MI)

am writing to delete the following inaccurate, contradictory information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make these alleged charges. I ask that the items be permanently deleted from my credit report and updated. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible as it is hindering my abilities as I'm trying to advance in my life by getting a house to provide for me and my kids.
Consumer complaint received 2020-12-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLAZA HOME MORTGAGE, INC. (IL)

I had a mortgage loan that was serviced by Plaza Home Mortgage then was transferred to XXXX  late XXXX by Plaza Home Mortgage and no payment was expected to be made to Plaza Home Mortgage afterward. However, mistakenly a pre-scheduled one month payment went out of my account at XXXX to Plaza Home Mortgage and was cleared as shown in my attached XXXX bank statement. The payment was never returned back to me by Plaza Home Mortgage Since XX/XX/XXXX, I have contacted Plaza Home Mortgage, Inc bank multiple times ; more than 5 times in writing and so many phone calls about this refund. In every time I am told my request is being looked at. So far it has been over 3 YEARS and no resolution and no understanding of why this has been taking that long nor what is going on. My communication written and phone calls with the bank was at a quarterly basis for 3 years until I approached a lawyer who recommended to file a complaint with the bureau. 

I have also spoke multiple times with XXXX and they confirmed their two documents I already provided to Plaza Home Mortgage ( 1 ) monthly statement & ( 2 ) Proof of Payment are very clear and good enough to proof the one month payment was indeed ( 1 ) made to Plaza Home Mortgage and ( 2 ) nothing else showing it was returned.
Consumer complaint received 2020-12-13
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (CO)

I was charged twice for one item. I called the telephone number on the bill on XX/XX/XXXX and was told management would contact me within 24 hours. They have never contacted me. I followed up with a letter to Synchrony Bank on XX/XX/XXXX and copied the letter to Lowes CEO. It is now XX/XX/XXXX and no one has contacted me. This credit card a has automatic pay through our bank account and they drew payment on this disputed charge on XX/XX/XXXX. They have my money and have ignored every attempt to resolve this.
Consumer complaint received 2015-07-21
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (AZ)

I have been trying to work with nationstar and they refuse to help. I do n't like talking to them on the phone because they always change information on me so I 've emailed XXXX times now and gotten nothing in response. They wo n't take any money from me because it 's not the entire amount. I just keep getting the run around. I have faxed my paper work XXXX times and they say they still have n't received it. I 've never recieved a letter saying when the house was up for auction. Im just looking to get a repayment plan so I can switch companies.
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.
Consumer complaint received 2023-06-03
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NH)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2020-12-13
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 — Investigation took more than 30 days
Company: Capio Partners, LLC (FL)

This is a formal complaint that inaccurate and incomplete items has been reported on my credit file. I respectfully requested information on ( XX/XX/2020 ) to be provided proof of these alleged items, specifically that contract, note or other instrument bearing my signature.The investigation has taken well over 30 days and I was not notified of the investigation results.
Consumer complaint received 2015-07-16
Product: Debt collection — Mortgage
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: NATIONSTAR MORTGAGE LLC (IL)

NATIONSTAR FALSELY REPORTED TO XXXX AND XXXX THAT A JUDGEMENT WAS ISSUED IN MY NAME IN XXXX 2014 AND REPORTED 60DAYS PRIOR TO ANY SERVICE OR COURT DATE IN VIOLATION OF FCRA, FDCPA ETC..LASTLY LOAN WAS TRANSFERRED AND AWAITING DISMISSAL.
Consumer complaint received 2021-04-17
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. (AL)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX/XXXX  XXXX  - Account # XXXX  ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX  XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX Bank on XX/XX/XXXX XXXX Reported Identity Theft )
Consumer complaint received 2023-06-03
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. (TX)

I am writing to file a complaint against equifax credit reporting agency for pursuing collection activities without a permissible purpose as outlined in the Fair Credit Reporting Act. Specifically, I believe that your agency has violated my rights by attempting to collect a debt that is not mine and by continuing to contact me despite my requests for verification of the debt. 

As you are aware, under the Fair Credit Reporting Act, collection agencies are only permitted to pursue debt collection activities if they have a permissible purpose, which includes situations where the debt is owed by the consumer or where the consumer has given their explicit permission for the agency to pursue collection. However, in my case, I have repeatedly informed your agency that I do not owe the debt in question and have requested that you provide me with verification of the debt. 

Despite my requests, your agency has continued to contact me in an attempt to collect the debt, which is both harassing and a violation of my rights under the Fair Credit Reporting Act. Furthermore, I believe that your agency has also failed to provide me with the required disclosures about my rights under the law, including the right to dispute the debt and the right to request validation of the debt. 

In light of these violations, I am requesting that your agency immediately cease all collection activities related to the alleged debt and that you provide me with written confirmation that you have done so. I also request that you provide me with verification of the debt in question, including information about the original creditor, the amount owed, and any other relevant details. 

If your agency fails to comply with these requests, I will be forced to pursue legal action to protect my rights under the Fair Credit Reporting Act. I trust that you will take prompt and appropriate action to resolve this matter and ensure that your agency complies with all applicable laws and regulations.
Consumer complaint received 2023-06-03
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: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX 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 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 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 vears 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.