davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-04
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: TD BANK US HOLDING COMPANY (MD)

On XX/XX/2022, I mailed a letter to NORDSTROM/TD BANK requesting validation of a debt that they have reported to the credit bureaus : XXXX, XXXX, and XXXX. 

In this letter sent on XX/XX/2022, I also requested that NORDSTROM/TD BANKXX/XX/XXXXcease and desist communication with me. I mailed these documents certified mail and domestic return receipt ( see return receipt attached ). NORDSTROM/TD BANK received these documents on XX/XX/2022. To this date, I have not received validation of this debt AND the debt still remains on all XXXX of my credit reports. 

On XX/XX/2022, I mailed my FTC Identity Theft Report to all three credit bureaus : XXXX, XXXX, and XXXX. In XXXX, all three credit bureaus removed the account from my credit bureaus. But later that month, they inserted the NORDSTROM/TD BANK account back on my reports. I requested verification of the debt by the credit bureaus, but NONE of the bureaus responded with the verification of the debt and they simply stated that NORDSTROM/TD BANK have verified the account. I requested the documentation of the verification, but none could be provided.

I am utterly uphauled at how NORDSTROM/TD BANK, XXXX, and XXXX have XXXX this matter. They are ruining my reputation by illegally reporting information to my credit bureaus. This illegal information have caused me much anguish and stress as I have struggled to buy a house for my family due to this inaccurate reporting of information. 

NORDSTROM/TD BANK has not reached out to mediate this situation. They do not see the urgency mediating this matter. They have violated my federally protected consumer rights and they believe that they can get away with this without consequence. 

NORDSTROM/TD BANK has XXXX ample time to resolve this issue and they have done NOTHING! 

I demand the immediate removal of this account from the XXXX major credit bureaus and all secondary credit reporting agencies for violating my federally protected consumer rights.
Consumer complaint received 2023-03-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (CT)

In XX/XX/2022, I contacted XXXX XXXX to terminate my service because I was relocating and no longer required my home telephone. I instructed that my service was to end on the last day of the month, and that no further charges were permitted to my account, which was to be closed. XXXX additional charge was debited from my checking account following my giving both verbal and written notice of cancellation. I contacted XXXX XXXX -- and after XXXX hours on the phone with XXXX different upper-level supervisors -- I was assured that the problem was resolved, and received XXXX different emails from them the same evening indicating that I now had a XXXX and/or negative balance ( reflecting the amount of the charge in question, which had been debited after my cancellation ). I saved these emails ; and, of course, I still have them as evidence today ( see XXXX screenshots, attached ). When I began receiving letters from XXXX that I still owed them money, I did attempt to contact them on several occasions, but was unsuccessful because my account no longer existed. That is to say, they could not locate my account neither by my address nor by my phone number, nor by my name, because both had been terminated. I was without recourse. Now, I have received a letter from collections ( XXXX XXXX XXXX in XXXX, MA ). I do not owe this debt. XXXX MUST cease all communications with me immediately, for I will pursue fervently all legal means available to me to seek action against them for harassment. Likewise, I will similarly seek legal action against any and all collections agencies, XXXX XXXX, and any and all other entities who attempt to seek and collect this debt falsely. Furthermore, should my credit in any way be adversely affected because of the erroneous reporting of this false debt to the credit agencies, I will likewise seek and pursue fervent legal action and hold all parties responsible for any and all legal fees I XXXX incur, including fees to restore any possible harm to my XXXX XXXX, which is currently XXXX as of the time of filing this report.
Consumer complaint received 2017-11-23
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: EQUIFAX, INC. (OR)

Hard inquiries where made on my account that i did not authorize. I have called both XXXX, Equifax and creditors all parties have been unwilling to resolve my issues 1 ) XXXX XXXX XX/XX/XXXX 2 ) XXXX November 16,2017 3 ) XXXX XX/XX/XXXX 4 ) XXXX XX/XX/XXXX 5 ) XXXX XXXX XX/XX/XXXX 6 ) XXXX XXXX XX/XX/XXXX 7 ) XXXX XX/XX/XXXX 8 ) XXXX XX/XX/XXXX 9 ) XXXX XX/XX/XXXX
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-06-30
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. (MD)

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 ; ACC XXXX  XXXX Account Listed As : ( Orginal Creditor : ) ; ACC XXXX  XXXX XXXX  XXXX ; ACC XXXX  XXXX XXXX XXXX  ; ACC XXXX  XXXX, XXXX  XXXX XXXX ; ACC XXXX  XXXX XXXX XXXX XXXX ; ACC XXXX  XXXX XXXX/DOFED; ACC XXXX  XXXX XXXX/DOFED ; ACC XXXX  XXXX XXXX  ; ACC XXXX  XXXX, XXXX  XXXX XXXX  ; ACC XXXX  XXXX, XXXX  XXXX US DEPT ED ; ACC XXXX  XXXX XXXX  XXXX  XXXX ; ACC XXXX  XXXX U S  DEPT OF ED/XXXX  ; ACC XXXX  XXXX XXXX ; ACC XXXX  XXXX 15 U.S.C 1681 section 602 A. : States I have the right to privacy 15 U.S.C 1681 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2024-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX Balance : {$64.00} XXXX  XXXX XXXX Balance : {$53.00} XXXX XXXX Balance : {$19.00}
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WA)

On XX/XX/2023, I sent a letter to Experian demanding they investigate an inaccurate account on my credit report. I never did business with the original creditor nor have any contractual obligation with the collection agency. After 30 days, they have neither investigated nor removed the account.
Consumer complaint received 2023-03-06
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (FL)

XXXX XXXX XXXX are in the business of buying debt from companies and use their wrongful practices to hurt consumers. They have an account from Synchronic bank, another crooked company that I awe them {$450.00} XXXX XXXX has charged me {$2700.00} on this account for what? that is the wrong amount, their fees, attorneys fees, administrative fees. This is an outrageous amount of money that was not owe. As a consumer, I believe on working with them and satisfy the debt, but not with this type of abuse. I need to get the original amount owe to synchronic, without all those staggering fees, I ask kindly to the CFPB to look in to this matter, this is an abuse by these companies.
Consumer complaint received 2018-06-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

TransUnion is continuing to report my identical twin sisters information on my credit report. 
After removing information two accounts inaccurately reported. They refuse to remove the inquiries.
Consumer complaint received 2023-02-20
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. (TX)

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 : {$9200.00} XXXX CARD XXXX Balance : {$9200.00} XXXX XXXX Balance : {$3900.00}
Consumer complaint received 2023-03-08
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 discovered that the same accounts on my credit report were incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$250.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX Balance : {$2200.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-10-31
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. (LA)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy 15 USC 1681 section 604 A section 2 it also states that a consumer reporting agency can not furnish account without my written instructions under 15 USC 1666 B a creditor may not treat a payment on credit card account under a open and consumer plan as late for any purposes
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Notice to all, I am that I am, the consumer in fact, natural person, creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the Surname/given name XXXX XXXX XXXX XXXX and have been appointed and accept being the executor both public and private for all matter proceeding, and I hereby claim that I will D/B/A XXXX XXXX XXXX and autograph as the agent, attorney in fact, so be it ; 1. It is a Fact that afant is the only natural person with rsthand competent knowledge of the facts of this transaction. 2. It is a Fact that afant is a consumer as dened in the Fair Debt Collection Practices Act specically, Title 15 USC 1692a ( 3 ) because afant is a natural person. I am writing in regards to the XXXX  data breach & the subsequent compromise of my personal information. Pursuant to Title 15 USC 1681 ( a ) ( 4 ) your company failed to ensure that the information on my consumer report was accurate failed to exercise their responsibility with fairness & impartiality. Upon reviewing my report, I discovered fraudulent account opened using my personal information which is a result of the data breach any legal means, including power of attorney fraud. I demand immediate action to secure my information & prevent further identity theft in accordance with the FDCPA is protection of my privacy I demand that all fraudulent information be removed from my report within four business days, per FCRA section 605B & title 15 USC 1681 C2. I do not give consent for any information to be furnished without my authorization per title 15 USC 1681 604 ( A ) ( 2 ). I expect any violations on my consumer rights to be a dress with fairness and impartiality. With all these violations listed and fraud found I may start the administrative process. However, I will give your company the ability to settle out of court or you will be held liable for all damages. Conduct yourselves accordingly. XXXX XXXX XXXX
Consumer complaint received 2021-06-16
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. (MD)

I have been disputing with XXXX, Equifax, and XXXX  about the negative accounts on my report for over six months now. Some accounts are not mine, some are reporting wrong, and some are refreshing to try to stay on my report. I mailed out letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX disputing the incorrect items and letting the bureaus know that I have done my research and that I know the law. Even with Covid-19 the bureaus still have 30 days to respond to my disputes. I know there might be a delay and I even tried to give them the benefit of the doubt for that. There are multiple accounts that are still reporting incorrectly on my report. I sent the first letters via certified mail so I knew when they received them. These are the tracking numbers from those letters sent on XX/XX/XXXX ( Equifax XXXX XXXX XXXX XXXX XXXX / XXXX  XXXX XXXX XXXX XXXX XXXX / XXXX  XXXX XXXX XXXX XXXX XXXX ) It has been months without receiving a response or having any of the incorrect items removed from my reports. This is impacting my life, my job and my future, which XXXX, Equifax, and XXXX  have no regard for.
Consumer complaint received 2022-12-16
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'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED and CORRECTED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected immediately : 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 XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-02-20
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. (TX)

Growing up in the lower class my family had no understanding of credit. Therefore, they were not able to teach me. It wasn't until a few days ago that I learned about credit and how to read my credit report. While reviewing my credit report, there were fraudulent items and collections on my report causing me to have a poor score and affecting my life negatively. I'm currently not able to get apartments/ houses, funding, and even job opportunities & I Do Not understand how my personal information was illegally used by a stranger and would like immediate help removing these items. I have XXXX fraud apartments on my report. ( XXXX XXXX  ) Acct # XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX ) Acct # XXXX ( XXXX XXXX ) Acct # XXXX I have XXXX Fraud Phone/ Mobile System on my report. ( XXXX XXXX XXXX ) Acct # XXXX ( XXXX  ) Acct # XXXX I have XXXX Inquiries on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these do NOT belong to me.
Consumer complaint received 2023-03-04
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. (AR)

I am writing in response to the recent investigation. I do not agree with your findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting this information on my report and because of this I am now asking you for more information regarding these particular items in question : XXXX XXXX XXXX XXXX**** Balance Owed : {$55.00} XXXX XXXXXXXX Balance Owed : {$74000.00}. Again as previously stated under provisions of the Fair Credit Reporting Act 15 U.S.C. Section 1681i, please reinvestigate and update or remove these disputed items. Please forward me the name and addresses of persons contacted. Fifteen ( 15 ) days from receipt of this letter is the length of time you are allowed under 15 U.S.C. Section 1681i ( 5 ) ( A ) to complete these actions unless you notify me otherwise. It should be understood that failure to verify within this time constitutes non-verification, and the items must be promptly updated or deleted according to Section 1681i ( a ).
Consumer complaint received 2021-06-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (CT)

I have attempted to apply for a home loan modification since about XX/XX/2020 through PHH Mortgage Services. Their process seems deliberately designed to frustrate and deny applicants the opportunity to obtain better financial terms on their mortgage. In order to accomplish the end result of not approval modification applications, they use painfully inefficient, unresponsive and disingenuous practices that altogether demonstrate fraudulent intentions.
Consumer complaint received 2021-06-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (MD)

for the past 5 year have been trying to get a loss Mitigation with the mortgage company when I was with XXXX XXXX, the XXXX XXXX told me they sold the loan to Fay Servicing. Fay Servicing increased my payments and interest from a {$2500.00} payments and interest of 4.2 % to a {$3300.00} a month and interest of 6.25 %, I have been in and out of the loss mitigation process 5 times the last offer they made me in XXXX was to pay a payments of {$25000.00} a month for 6 months. I had the home since XXXX and was paying on time with no issues until i called XXXX XXXX and asked them to allow me to miss a XXXX payments. they offered me to put me to qualify me for a repayment plan mean while not to make any payments until they approve me. and the XXXX turned into XXXX and now into XXXX, a lot of companies offered me to help only to steal my money. i ended up talking to an attorney and they recommended me to get into chapter XXXX, but when the covid epidemic my husband lost his job, my father and mother who are senior citizens with no income live with me and my XXXX children were struggling I tried again with fay servicing but they don't want to work with me and i feel that i am being forced to lose my family home, the back payments ate all the equity in the home but still worth the money owed on it. its value and what i owe on it is breaking even. but i have no other sources to go to any more. please help.
Consumer complaint received 2023-03-04
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. (FL)

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.
Consumer complaint received 2021-06-16
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: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX is reporting an account to XXXX and Experian that is not mine. I was not liable on this account and was only an authorized user. The account has since been closed. I've sent multiple letters to dispute this item directly and they have failed to remove it from my credit report.