davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BBVA FINANCIAL CORPORATION (AZ)

An unauthorized transaction in the amount of {$6600.00} was made and 3 other thereafter totaling {$7000.00} more or less I emailed the fraud department and mentioned my account was being robbed right now and now today I'm still waiting for a credit for the money taken from my account.
Consumer complaint received 2023-05-06
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: Experian Information Solutions Inc. (NC)

This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment ( s ) is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation, date and balance whether reported or not. 
[ XXXX XXXX XXXX ] I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time. It is my understanding that you must verify these items with the reporting creditor for accuracy. If they are unable to provide that proof or if lacking proof of these payments being late please update my payment history to XXXX status ( Paid As Agreed Never Late ) according to consumer protection laws.
Consumer complaint received 2023-02-02
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. (UT)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-28
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: EQUIFAX, 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 2024-03-28
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TN)

I recently filed a complaint with CFPB ( XXXX ) on XXXX XXXX XXXX XXXX for a debt collection account. 
In this company response to that complaint they said that they cease debt collection and asked credit bureau to remove the account. This is still being reported on my Equifax Credit report. This item was also previously deleted then re-inserted as a paid account.
Consumer complaint received 2023-02-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (NV)

Purchased prepaid PayPal debit card for gift for XXXX  sister for XXXX. 
Card would not activate for her They asked for personal information and social security nos She sent card back to me because it didn't work When I tried to activate they wouldn't activate She is out her XXXX XXXX present I am out my XXXX plus XXXX in registered mail to and from her Paypal refused to fix and XXXX won't give me my money back
Consumer complaint received 2023-02-24
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that I believe are inaccurate and are negatively impacting my credit score. The following accounts have been reported as delinquent or charged off, but I do not believe that I am responsible for them : First, the collection account from XXXX XXXX XXXX XXXX for XXXX. I have no recollection of ever having done business with this company and do not believe I owe them any money. 

Second, the collection account from XXXX XXXX XXXX for XXXX, which they claim is an original debt from XXXX XXXX. I have no knowledge of this debt and have never received any communication from XXXX or XXXX XXXX XXXX regarding this debt. 

Third, the collection account from XXXX XXXX for XXXX, which they claim is an original debt from XXXX XXXX XXXX XXXX. I have no knowledge of this debt and have never received any communication from XXXX XXXX XXXX or XXXX XXXX regarding this debt. 

Fourth, the charge off account from XXXXXXXX XXXX for XXXX. I dispute this account as I have no memory of opening an account with XXXX XXXX or receiving any communication from them regarding this account. 

Fifth, the charge off account from XXXX XXXX XXXX XXXX XXXX for XXXX. I dispute this account as I have no memory of opening an account with XXXX XXXX XXXX XXXX XXXX or receiving any communication from them regarding this account. 

Sixth, the charge off account from XXXX for XXXX. I dispute this account as I have no memory of opening an account with XXXX or receiving any communication from them regarding this account. 

Seventh, the charge off account from XXXX XXXX XXXX XXXX XXXX for XXXX. I dispute this account as I have no memory of opening an account with XXXX XXXX XXXX XXXX XXXX or receiving any communication from them regarding this account. 

Eighth, the charge off account from XXXX XXXX  XXXX for XXXX. I dispute this account as I have no memory of opening an account with XXXX XXXX  XXXX or receiving any communication from them regarding this account. 

Finally, the charge off account from XXXX XXXX for XXXX. I dispute this account as I have no memory of opening an account with XXXX XXXX or receiving any communication from them regarding this account. 

I believe that these items are inaccurate and are causing undue harm to my credit score. As such, I request that you investigate these items and remove them from my credit report if you find them to be erroneous. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-17
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: Bread Financial Holdings, Inc. (CA)

BEST BUY/CBNA XXXX XXXX XXXX  XXXX XXXX XXXX SD XXXX XXXX ( XXXX ) XXXX COMENITY BANK/EXPRESS XXXX XXXX XXXX XXXX, OH XXXX XXXX Inaccurate reported late payments on credit report
Consumer complaint received 2018-03-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (TX)

I was having problems with making my payments after my husband died I was denied a loan modification and am now doing a short sale. I was give 3 diffrent values and my agent has requested a copy of the BPO and appraisal several times so we can see the true value and Mr Cooper will not provide me with a copy. My agent told me that the CFPB requires the lender to give me a copy of all valuation reports used to determine value of my home. Please help me get a copy so I can go over this with my agent and the buyer so I do not lose my home to foreclosure and destroy my credit. 

See the remarks from Mr Cooper : XXXX Negotiator RE : Ponder Request for HUD and Contract Amendment Investor will not give our the bpo. If the borrower was requesting a modification ; then that department would give her a bpo ; that is not the case for a short sale since she is not keeping the property. 
XXXX XXXX Investor will not give our the bpo. If the borrower was requesting a modification ; then that department would give her a bpo ; that is not the case for a short sale since she is not keeping the property.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IN)

I'm experiencing distress, dissatisfaction, and XXXX  due to the recent updates in my credit report. Despite consistently making timely payments, there are now late payment remarks on certain accounts. I have not missed any payments, and it's crucial that this issue is rectified urgently. I need your assistance to ensure that my credit report accurately reflects all payments made on time, ensuring its complete accuracy.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2017-07-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (FL)

I am filing this complaint because Capio Partner LLC has ignored my request to provided me with the documents that their company has on file that was used to verify the account I disputed. Being that they have gone past 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this manner as soon as possible. Thank you
Consumer complaint received 2023-04-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (IL)

The lender 's conducted a corporate assignment. Reduced my payment from XXXX to XXXX then initiated foreclosure against me for the shortage it created. My payment was unapplied and my home is scheduled for sale on XX/XX/2023. 

Why did my mortgage payment change? May I receive a copy of the new modification agreement and pay schedule?
Consumer complaint received 2023-01-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I noticed that there were several inquiries on my report that I do not recognize and did not authorize. There are all listed below XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (DE)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
Consumer complaint received 2018-05-25
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OK)

I called my lender/bank yesterday to refinance my current VA loan with them. The company that has my mortgage is USAA, located in XXXX XXXX, Texas. I was declined for the new mortage, as they said my credit score was XXXX ; I checked today, based on an email USAA sent me to enable me to do so, and my XXXX credit score is now XXXX. When I called to complain to USAA, the mortgage loan officer now says my credit score is XXXX. I am reporting USAA for trying to run a scam on me, with misreporting of credit scores, and wish them to be penalized in the maximum amount for this attempted scam.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

I recently obtained a copy of my consumers credit report from your bureau and hereby dispute the completeness and accuracy of the following information. This information is injuring my consumer report and I request that you correct this information immediately. Please update the account : XXXX XXXX XXXX
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MS)

these inquiries were unauthorized and i am a victim of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-12
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: CBC Companies, Inc. (TX)

Please remove the information listed on my identity theft affidavit and this affidavit of facts. As these accounts appear to be a part of one of the several data breaches that I have been included in. This has lead to fraudulent accounts being placed on my report. 

Innovis, please disregard the sections of the attached dispute letter do not pertain to your company. The fraudulent accounts that pertain to your institution, please see them listed under your name. Please note that the attached dispute letter includes other credit reporting companies. Also, please note that I have attached the appropriate identification inside of the dispute letter.
Consumer complaint received 2023-01-03
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. (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 U.S.C. 1681. 

XXXX  XXXX : XXXX, XXXX  XXXX : XXXX, 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 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 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) : A person shall not furnish any information relating to a consumer any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-03-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (TX)

I have numerous times requested my PMI to be removed. The company continues to state my LTV must be under 78 % from the origination appraisal. The company has never been able to supply me with the origination appraisal, yet they state the amount is {$130000.00}. I have a current UPB of {$100000.00} as of my last payment made on XX/XX/2018. Through every calculation I have found to determine the Loan to Value, including the XXXX XXXX  website directly, this shows my LTV at 74.6  %, which is well below the 78 % requirement.
Consumer complaint received 2023-10-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY (MA)

American Express has failed to adhere to its XXXX bonus XXXX direct deposit promotion. I have fulfilled all requirements and still no bonus posted to my account. Other bank users have had bonus to their account within 6-10 days. American Express checking needs to fix this. Customer service is useless and clueless. I have had direct deposit posted on XX/XX/XXXX
Consumer complaint received 2024-03-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (IN)

After examining my credit report, I've observed inaccuracies and indications of fraudulent activity within the listed accounts. I am deeply dissatisfied with this finding and demand the immediate removal of these inaccurate accounts.
Consumer complaint received 2023-01-03
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: Experian Information Solutions Inc. (VA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : 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 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 2023-02-24
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: EQUIFAX, INC. (VA)

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 2021-01-07
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 filed a report before all other accounts that where not mines where removed due to inaccurate information or never doing business with that company. Memebers XXXXXXXX XXXX XXXX is the only one that remains
Consumer complaint received 2023-01-06
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. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX {$830.00} THIS IS FRIVILOUS AND I CANT GET ANY ANSWERS FROM FIRST PREMIER. THEY HAVE LITERALLY BELITTLED ME AND VIOLATED STATE LAWS. THIS DEBT IS FRAUDULENT. I have been in contact with furnisher and no information have been provided, pursuant to XXXX XXXX Fair Credit Reporting Act. I am being harassed, badgered my credit with no explanation on an erroneous, alleged collections information. XXXX XXXX has never proved this debt belong to me legally.
Consumer complaint received 2017-07-16
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (NJ)

This compliant is against Midland Funding I have disputed this account that is currently listed on my credit report. I sent correspondences to Midland funding and the only documentation they are showing me are invoices for me to make payment. I have never entered into any agreement with Midland and I have asked them to verify the proof that I owed the debt.
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When I dispute these items with  XXXX ,  XXXX  &   XXXX   the debt is continuing being reported on my credit report as verified from furnisher which is a violation of the FCRA.
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Currently the furnisher Midland Credit is reporting false information for example : The date open reports  XX/XX/XXXX  Date of 1st delinquency  XX/XX/XXXX  Date of the 1st major Reporting XX/XX/XXXX  How can the account 1st delinquency which is  XX/XX/XXXX , occur a year before the account open in  XXXX .
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This information is false, and Midland continues to call me, send me type written correspondences and send information to the credit bureaus.