davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-26
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I insist on the removal of this late payment from my account as it does not faithfully depict my payment history. I have consistently made timely payments, and it is unjust to be marked with this inaccurate entry. I urge you to promptly update my account.
Consumer complaint received 2023-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (GA)

I have tried several times from XXXX. I even tried with the credit bureaus. My report shows different amounts over the years example XX/XX/XXXX {$4000.00} XXXX {$4300.00} and XX/XX/XXXX {$2700.00} this account should have been removed in XXXX. The car was even sold
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.
Consumer complaint received 2021-08-02
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: Sequium Asset Solutions, LLC (IL)

MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). Sequium Asset Solutions , LLC violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), and 15 usc 1692j ( a ).
Consumer complaint received 2022-09-06
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. (TN)

I sent my letter off on XX/XX/2022. I told the Credit Bureaus to " investigate every piece of information '' on the accounts I have listed below. Also, I have attached the letter I sent out and here is the tracking number # XXXX. 

According to the FRCA the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or whom may have knowledge concerning any such items of information.

They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 

Account : XXXX XXXX  XXXX Number : XXXX Account XXXX XXXX XXXX XXXX Number : XXXX Account : XXXX XXXXXXXX Number : XXXX Account : XXXXl XXXX Number : XXXX Account : XXXX XXXX  Number : XXXX Account : XXXX XXXX  Number : XXXX Account : XXXX XXXX Number : XXXX Account : XXXX XXXX  Number : XXXX Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX Number : XXXX Account XXXX XXXX XXXX Number : XXXX Account XXXX XXXX XXXX XXXX : XXXX Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX Number XXXX XXXX Account XXXX XXXX XXXX Number : XXXX Account XXXX XXXX XXXX Number : XXXX Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX Number XXXX XXXX Account XXXX XXXX  Number : XXXX Account XXXX XXXX XXXX XXXX XXXXumber : XXXX Account : XXXX XXXX XXXX  Number : XXXX Account : XXXX XXXX XXXX Number : XXXX Account : XXXX XXXX XXXX Number : XXXX Account : XXXX XXXX XXXX Number : XXXX Account : XXXX XXXX XXXX Number : XXXX Account : XXXX XXXX Number : XXXX Account : XXXXXXXX XXXX XXXXXXXX Number : XXXX Account XXXX XXXX XXXX XXXX XXXX  Number XXXX XXXX Account : XXXX XXXX Number XXXX XXXX Account : XXXX XXXX XXXX Number XXXX XXXX Account : XXXX XXXX XXXX Number : XXXX Account : XXXX  Number : XXXX
Consumer complaint received 2022-09-06
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: Experian Information Solutions Inc. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX, NC XXXX, XXXXXXXX XXXX  CT XXXX XXXX, NC XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00}, XXXX ( Original Creditor : MEDICAL ) XXXX Balance : {$530.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$0.00}, XXXX ( Original Creditor : MEDICAL ) XXXX Balance : {$160.00}, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-07-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Portfolio Services, Inc. (AL)

I am reaching out to request the validation of a debt associated with an account. Additionally, I would like to explore the possibility of settling the account if validated while seeking an arrangement for the permanent deletion of the account from my credit report. 

I kindly request your assistance in providing the following information for debt validation : 1. Original creditor 's name and contact information.

2. Account number and date of debt inception.

3. Detailed breakdown of the claimed amount, including any interest or fees.

4. Supporting documentation demonstrating my liability for the debt. 

I kindly ask for your prompt support in providing this information within 30 days. To ensure fairness, I also request the suspension of any collection activities related to this debt until its validity is confirmed. 

Once the debt is validated, I am eager to discuss a settlement arrangement. Furthermore, I kindly request an agreement to permanently delete the account from my credit report upon successful settlement. This mutually beneficial arrangement would allow me to rebuild my credit history without the negative impact of this debt. 

I truly appreciate your understanding and cooperation in this matter. Please kindly reply to this email or arrange for an appropriate representative to contact me. I am available at the provided email address or phone number to discuss the next steps or provide any additional information required. 

Thank you for your attention, and I sincerely hope for your assistance in reaching a fair resolution.
Consumer complaint received 2023-07-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Self Financial Inc. (AL)

I am reaching out to request the validation of a debt associated with an account. Additionally, I would like to explore the possibility of settling the account if validated while seeking an arrangement for the permanent deletion of the account from my credit report. 

I kindly request your assistance in providing the following information for debt validation : XXXX. Original creditor 's name and contact information. 
XXXX. Account number and date of debt inception. 
XXXX. Detailed breakdown of the claimed amount, including any interest or fees. 
XXXX. Supporting documentation demonstrating my liability for the debt. 

I kindly ask for your prompt support in providing this information within 30 days. To ensure fairness, I also request the suspension of any collection activities related to this debt until its validity is confirmed. 

Once the debt is validated, I am eager to discuss a settlement arrangement. Furthermore, I kindly request an agreement to permanently delete the account from my credit report upon successful settlement. This mutually beneficial arrangement would allow me to rebuild my credit history without the negative impact of this debt. 

I truly appreciate your understanding and cooperation in this matter. Please kindly reply to this email or arrange for an appropriate representative to contact me. I am available at the provided email address or phone number to discuss the next steps or provide any additional information required. 

Thank you for your attention, and I sincerely hope for your assistance in reaching a fair resolution.
Consumer complaint received 2023-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: M&T BANK CORPORATION (MA)

I am the XXXX of a nonprofit organization in Massachusetts called the XXXX XXXX XXXX XXXX XXXX. Beginning last XXXX, just before M & T Bank acquired People 's United Bank, we began having fraudulent ACH transfers steal funds from our checking account. By the time we realized this was happening, M & T owned People 's United. I went to a local branch in XXXX, Massachusetts and filed a claim. 

Over the next XXXX months, we closed and opened XXXX checking accounts as the fraud continued. M & T was very slow to give us our money back and in XXXX of this year I filed a claim with CFPB. M & T then returned {$20000.00} to our account. 

Our accountant worked for months to rectify the money stolen and the money returned by M & T. On XX/XX/XXXX I wrote to the branch manager from XXXX, XXXX XXXX now moved to M & T in XXXX, Massachusetts, about how to proceed to rectify the difference between what our account says the bank still owes us and what they had given previously. I got no response to XXXX emails so I called and was told she wasn't available ever. 

On XX/XX/XXXX I emailed the president of M & T Bank, XXXX XXXX, to ask for help straightening out the discrepancy. I have not received a reply to my email. 

Our accountant says we are still owed {$5400.00}. We are a small, spiritual organization with a small budget and we can not afford a loss like this when we did nothing wrong.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to express my dissatisfaction with the handling of fraudulent items on my account with Credit Bureaus. Despite promptly reporting these fraudulent transactions, I am dismayed by the delay and inefficiency in their removal. I discovered unauthorized transactions on my account, which I immediately reported to your company 's customer service department. I was assured that swift action would be taken to investigate and remove these fraudulent items from my account. However, to my dismay, the process of removal has been unduly prolonged, causing me significant distress and inconvenience. As a valued customer, I expect timely and efficient resolution of such matters to safeguard my financial well-being and restore my confidence in your company 's services. The continued presence of these fraudulent items not only poses a threat to my financial security but also reflects poorly on your company 's commitment to customer satisfaction. I urge you to prioritize the expedited removal of these fraudulent transactions from my account and take proactive measures to prevent similar incidents in the future. Additionally, I request transparent communication regarding the steps being taken to address this issue and provide assurances of enhanced security measures moving forward. I am asking for your assisstance to remove othese fraud items in my credit file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$6100.00} ; XXXX ( Original Creditor XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$260.00} ; XXXX XXXX XXXX Balance Owed : {$20000.00} ; 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 Balance Owed : {$6100.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance Owed : {$980.00} ; XXXX XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$20000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-07-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MoneyLion Inc. (AL)

I am reaching out to request the validation of a debt associated with an account. Additionally, I would like to explore the possibility of settling the account if validated while seeking an arrangement for the permanent deletion of the account from my credit report. 

I kindly request your assistance in providing the following information for debt validation : 1. Original creditor 's name and contact information.

2. Account number and date of debt inception.

3. Detailed breakdown of the claimed amount, including any interest or fees.

4. Supporting documentation demonstrating my liability for the debt. 

I kindly ask for your prompt support in providing this information within 30 days. To ensure fairness, I also request the suspension of any collection activities related to this debt until its validity is confirmed. 

Once the debt is validated, I am eager to discuss a settlement arrangement. Furthermore, I kindly request an agreement to permanently delete the account from my credit report upon successful settlement. This mutually beneficial arrangement would allow me to rebuild my credit history without the negative impact of this debt. 

I truly appreciate your understanding and cooperation in this matter. Please kindly reply to this email or arrange for an appropriate representative to contact me. I am available at the provided email address or phone number to discuss the next steps or provide any additional information required. 

Thank you for your attention, and I sincerely hope for your assistance in reaching a fair resolution.
Consumer complaint received 2016-04-01
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Nationstar Mortgage has 1 ) not appropriately applied my excess loan payments towards principal. They forward it to the next month 's minimum payment. 2 ) put me on internet only notices without my permission, 3 ) and have continued illegal and predatory treatment of me.
Consumer complaint received 2022-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act these companies, XXXX XXXX XXXX  Account # XXXX and XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, and XXXX  XXXX Account # XXXX, have 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 Sub Section 6802 B : the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ;
Consumer complaint received 2022-09-06
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)

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 accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected or deleted : XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$980.00} U S DEPT OF ED/XXXX XXXX Balance XXXX {$3200.00} XXXX XXXX XXXX OF XXXX XXXX XXXX : {$9900.00} U S DEPT OF EDXXXX XXXXBalance : {$6500.00} U S DEPT OF EDXXXX XXXXBalance XXXX {$1400.00} U S DEPT OF ED/XXXX XXXXBalance : {$5400.00} U S DEPT OF ED/XXXX/XXXX  XXXXBalance : {$6500.00} U S DEPT OF ED/XXXX XXXXBalance : {$4700.00} U S DEPT OF ED/XXXX XXXXXXXXBalance : {$7100.00} U S DEPT OF ED/XXXX/XXXX  XXXX*Balance : {$4000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXXBalance XXXX {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00}
Consumer complaint received 2023-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

First and foremost I would like for you to know that I am not a credit repair company. My name is XXXX XXXX and with this complaint I will upload a copy of my License, social security card and a bank statement. I am filing this complaint because I am a victim of Identity theft. Transunion, XXXX, and XXXX all furnished my consumer report without my consent. I sent several disputes to these companies requesting a written agreement/ contract, or any written instruction with my signature allowing them to furnish my consumer report. Each time they failed to disclose these documents which is a violation of the FCRA 15 U.S. Code 1681b ( 2 ) - Permissible purposes of consumer reports.Their failure to disclose these documents forced me to file a FTC complaint, and my next step will be to file a lawsuit against each of the companies if the accounts below are not deleted from my consumer report 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 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 2023-07-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (TX)

I applied for three Private Student Loans through XXXX XXXX in XXXX, XXXX, and XXXX. 

A few years ago, about XXXX, XXXX XXXX left the student loan business and Firstmark Services became the servicer of my loans. 

I received notification from Firstmark in XXXX, while I was still in medical school, that my all of my loans had entered repayments because I had " exhausted in-school deferment. '' When I called and spoke to a representative of Firstmark Services, she did not know what this term meant. She placed me on ( lengthy ) hold three separate times in order to figure out what was going on. When she did provide an explanation, it was ill-explained and did not correlate with any of the terms in my original promissory note. 

I then called the XXXX XXXX Student Loan Department, who is the original provider of these loans now. They had never heard of " exhausting In-School Deferment, '' nor is it in any of their contracts. 

Firstmark is refusing to reconcile this, and says I must begin making ~ {$500.00} in monthly payments starting next month.
Consumer complaint received 2016-08-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Data Check of America LLC (AL)

They have identified themselves as DataCheck on occasion.They call constantly ( upwards of 4-5 calls per day ) stating that they are going to garnish my wages within 24 hours. They claim this is for a returned check dated XXXX 1998. I have repeatedly asked that they stop calling and informed them that it is past the statute of limitations. At that point, the agent gets rude and some have started yelling at me and talking over me, and stating that there is no statute of limitations. They have provided several reasons why the statute of limitations does not apply. The last agent that called today stated that I was stupid for advising about the statute of limitations. I have blocked more than 10 different numbers from this caller.