davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-03
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (PA)

XXXX XXXX - Loan # XXXX XXXX XXXX XXXX currently has a reverse mortgage with XXXX XXXX formerly Nationstar Mortgage LLC. I took a reverse mortgage on my property on XX/XX/XXXX with XXXX XXXX XXXX. In XX/XX/XXXX I fell behind on my taxes due to a hospitalization that lasted longer than expected. I fell behind and was not able to get caught up due to living on a fixed income. I reached out to Nationstar and XXXX in XX/XX/XXXX with my daughters assistance. For three months they stated that they were sending the forms out and I never received them in the mail, finally in XX/XX/XXXX, I received the forms that needed to be filled out for a HUD at Risk Extension. I filed my paperwork in XX/XX/XXXXand sent additional information over in XX/XX/XXXX. On XX/XX/XXXXm I my extension was approved and then on XX/XX/XXXX the law Firm XXXX XXXX, XXXX entered a civil case against me. I was then served paperwork and had to appear for court on XX/XX/XXXX. I do not understand why the lawsuit was filed against me on the XX/XX/XXXX when the HUD At Risk Extension approval was completed on XX/XX/XXXX. If the mortgage company would of provided me with a the documents requested in XXXX then I would not of received the law suit. I was approved for the HUD At Risk Extension on XX/XX/XXXX and XXXX XXXX generated and sent me a letter on XX/XX/XXXX, almost two weeks after I was approved. Which this allowed for enough time for the law firm to file the law suit against me.
Consumer complaint received 2023-04-13
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 — Their investigation did not fix an error on your report
Company: CBC Companies, Inc. (FL)

The credit Bureaus stated my accounts was properly investigation but how is that possible if the open date is inaccurate. the date last and last reported is not accurate, This is ground for removal they also violated my right under 15 U, S, C 1681 section 602A. States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also that a consumer reporting agency can not furnish a account without my written instructions. 
In accordance 's with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. 

XXXX XXXX XXXX XXXX XXXX DATE XX/XX/XXXX XXXX XXXX  XXXX  ACCT XXXX DATE XX/XX/XXXX {$730.00} XXXX  XXXX  ACCT XXXX DATE XXXX {$980.00} XXXX XXXX / ACCT XXXX XXXX XX/XX/XXXX {$1400.00} XXXX XXXXXXXX XXXX XXXX  ACCT XXXX Date XX/XX/XXXX {$780.00} XXXX  XXXX XXXX  ACCT XXXX DATE XX/XX/XXXX {$620.00}
Consumer complaint received 2023-09-03
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I was discriminated against by the customer service because I didn't understand English very well and said my cousin was my uncle. She closed my bank account and I haven't received any money from my bank. I tried to call her several times but she fooled me and didn't really help me
Consumer complaint received 2024-05-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 2023-04-20
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. (PA)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act ( Original Creditor : XXXXXXXX XXXX ) XXXX and XXXX 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 an account without my written instructions.
Consumer complaint received 2023-10-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: United PanAm Financial Corp. (NC)

I purchased a product on or about XX/XX/XXXX of XXXX l then used the same vehicle on a road trip after getting it mechanically inspected. The vehicle made the trip no problem, upon the return the vehicle developed a heater hose issue. I parked the car and notified the dealer in which the vehicle was purchased. His idea of assistance was to offer a used motor for an additional {$1000.00}. When I told him that I could not afford that option, he reminded me that we did sign a 1-year warranty agreement. I then attempted to exercise this agreement, but the warranty department did not return any of my attempts to contact them. The licensed mechanic that discovered the motor issue did make contact with the company. He then forwarded the email to me ; I still have this email in my files. The company asked him to get the owner 's approval to begin the work so that they can see which parts are warrantied. Now, this is unacceptable, for one the mechanic told them that he recommended a new motor and two, I would have to incur the cost of the mechanical exploration in order for them to assess what they would cover. I had this vehicle for less than 90 from the purchase date, I did nothing to exacerbate this situation, but now my credit is in jeopardy. It would be better if this deal had never been done. Please help me resolve this, I do not mind paying my portion, but they should honor the arrangement or return my investment. They have no problem calling me daily to attempt to collect payment, which I willingly admit I withheld to get someone from the warranty department to contact me. This effort has failed as well.
Consumer complaint received 2023-05-17
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (IL)

To who it may concern, I am making a complaint toward one of the credit bureaus ( Experian ). I have 3 accounts on my credit that has been ( Charge Off ). All 3 Charge Off accounts has pass 7 years. 
According to credits reports information, all Charge Off accounts will be removed off your credit in 7 years. 
XXXX and XXXX has remove the 3 ( Charge Off ) accounts from their bureaus, but Experian refused to remove the 3 Charge Off accounts from their bureaus. 
I have contact Experian by phone and dispute online several times about the 3 ( Charge Off ) accounts and they refuse to remove the 3 Charge Off accounts off my credit.
Consumer complaint received 2022-11-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CLGF Holdco 1, LLC (SC)

Indigo credit card ... I have explain to this collection agency that I am not working due to my sickness ..but they keep calling me all type of hours..I had calls come in early as XXXX to XXXX ... then when I do answer they ask for my name.and when I say this is him..I am not working they just don't say nothing.they just hang up on me..then call back in two more hours and do the same thing.i am so stressed from this people keep calling me..when I see that area code XXXX keep calling my phone I just want to jump of a roof..from this stress
Consumer complaint received 2023-07-08
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. (NC)

In accordance with the Fair Credit Reporting act XXXX  Account { XXXX } XXXX XXXX XXXX XXXX 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.
Consumer complaint received 2023-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CITIBANK, N.A. (TX)

On XX/XX/2023, my account was charged twice by a company called XXXX without my authorization, once for {$1.00} and once for {$59.00}. On XX/XX/XXXX, I promptly filed two disputes regarding these charges. The first dispute was for the {$1.00} charge, and I received a swift reimbursement. However, the second dispute was for the {$59.00} charge, and unfortunately, it led to the closure of my card due to suspected fraud. Although I received a replacement card, I have observed that the fraudulent charge still remains on my account balance.
Consumer complaint received 2023-10-03
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Paramount GR Holdings, LLC (NC)

I called and specifically told Good Leap do not take payment on the XXXX. They took it on the XXXX causing me to overdraft. These clowns has been no help as far as payments are concerned. They call and harass me at work and at home. Called my relatives and friends. Filed a report. Goodleap swept it under the rug abd said oh well you know your payment is due on the XXXX of every month and bs that makes no sense. Anyway, they also don't call from the same number. They have XXXX different numbers they call from just to harass me no matter the time of day.
Consumer complaint received 2023-10-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NE)

Per Department of Edu and servicer statement should have been received XXXX  days prior to the first due date after the repayment pause. This did not occur, first payment due XXXX and email with statement received XX/XX/XXXX. Shows made available on servicer 's portal on XX/XX/XXXX. Also received email confirming auto-payment improperly formatted to the point it was missing the scheduled date for withdraw. The discount for having the loans on autopay is also not made clear that it is applied to the interest calculation.
Consumer complaint received 2023-05-09
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ENCORE CAPITAL GROUP INC. (FL)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2023-10-03
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: Experian Information Solutions Inc. (NC)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. DPT EDXXXX XXXX Balance Owed : {$1400.00} ; DPT EDXXXX XXXX Balance Owed : {$920.00} ; DPT EDXXXX XXXX Balance Owed : {$4200.00} ; DPT EDXXXX XXXX Balance Owed : {$9100.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$19000.00}.
Consumer complaint received 2023-10-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CLGF Holdco 1, LLC (CA)

XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (WA)

My refinance company checked my credit and I was inundated with unsolicited loan offers. I have been receiving so many phone calls it's having a negative effect on my business and it's costing me money.
Consumer complaint received 2023-03-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (CA)

On XX/XX/2023 at XXXX PST, my CashApp account was hacked and the {$30.00} was sent to someone I do not know and never had contact with. I did not authorize or complete the transaction myself. It was done when my phone was off and not in not in my hands. The person whom the money was sent to blocked me from being able to receive my money back from them. They also have multiple accounts with the same name but different XXXX. I reached out to support and they did not help. They said they couldnt verify the information even after I sent them everything they asked for. This has happened before and CashApp didnt resolve the issue. I even deleted the old account and changed my password, email, etc..I was left without the money that was supposed to be used for emergencies.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account # XXXX & XXXX XXXX XXXX. Account # 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.
Consumer complaint received 2023-10-02
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. (NV)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account # XXXX & XXXX XXXX XXXX. Account # 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.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PA)

On XX/XX/XXXX I called XXXX and Experian to ask for the removal of hard inquiries that I did not authorize. I was told that they would not remove them without a police report being sent to them. I stated to them that under the FCRA law that states if any information can not be verified it must be removed : the two bureaus than proceeded to tell me to report it to the FTC. I was than told that there was nothing they can do. They refuse to help in the matter at hand.So no action will be taken I was told. These are the hard Inquiries that was not authorize by me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Also I would like to ask for the removal of two late payments.One from XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX. The two companies reported late payments despite me trying to pay before the due date but the dates fell on a weekend so it did not allow me to pay until the upcoming mondays and even than it still took 2 to 3 days to process the payment I have contacted both companies and they told me that they understand and it wasnt my fault that they would update their notes and I would have to report to you guys ad you will contact them and they would give you access to their notes I would have to reach out to your company on behalf of myself.
Consumer complaint received 2023-10-03
Product: Credit reporting 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. (PA)

On XX/XX/XXXX I called XXXX and XXXX to ask for the removal of hard inquiries that I did not authorize. I was told that they would not remove them without a police report being sent to them. I stated to them that under the FCRA law that states if any information can not be verified it must be removed : the two bureaus than proceeded to tell me to report it to the FTC. I was than told that there was nothing they can do. They refuse to help in the matter at hand.So no action will be taken I was told. These are the hard Inquiries that was not authorize by me. 
XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX. XXXX XX/XX/XXXX Also I would like to ask for the removal of two late payments.One from XXXX XXXX XXXX and XXXXXXXX XXXX XXXXXXXX XXXX. The two companies reported late payments despite me trying to pay before the due date but the dates fell on a weekend so it did not allow me to pay until the upcoming mondays and even than it still took 2 to 3 days to process the payment I have contacted both companies and they told me that they understand and it wasnt my fault that they would update their notes and I would have to report to you guys ad you will contact them and they would give you access to their notes I would have to reach out to your company on behalf of myself.
Consumer complaint received 2023-04-14
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. (GA)

I just looked at my consumer report and noticed some accounts I would like to dispute. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. The referenced accounts in the attachment should be deleted
Consumer complaint received 2023-10-03
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: Experian Information Solutions Inc. (FL)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-03
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. (FL)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-16
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. (TX)

i went to get a new car and the dealership put too many inquiries on my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX