davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (MD)

At the time of the loan transfer in XXXX XXXX, I requested to pay the property taxes annually. Many months later it could still not be resolved. This issues has continued as our mortgage was sold from XXXX to Nationstar to Mr. Cooper. On XXXX XXXX, XXXX, a CFPB complaint about payment amounts due to switching onto the annual plan and new company was resolved and I was told that I could switch to paying the property taxes annually. My new escrow payments were based on paying annually. On XXXX XXXX, XXXX I emailed the previous CFPB resolution attachments to Mr. Cooper staff showing that the taxes were paid semi-annually, when they were  supposed to be paid annually and that my money was sitting in the escrow account in a surplus. I was told it would be resolved, then told the county said I ca n't switch, told numerous times that I would get a call back and this would be resolved. Every time I have called the county they told me it is illegal for my insurance company to deny my request to pay annually and offered to do conference calls, finally I was told I had an option to go pay the taxes myself and request a surplus check from the mortgage company. I want to be put on the annual property tax payment plan. It should not take 2.5 years of mortgage companies making interest on my funds and refusing/lying about switching my tax payments. I was told that if I paid the {$1000.00} shortage and had a county bill with the annual tax amount, I could be switched to the annual payment. I paid the shortage in XXXX and in XXXX XXXX, I just a refund check for the surplus instead of paying the taxes. I was told that my request was denied by a supervisor on XXXX/XXXX/XXXX.
Consumer complaint received 2023-08-08
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: Experian Information Solutions Inc. (IL)

I implore you to take immediate action to update my account. I have consistently made timely payments in the past, and it is unfair for me to be penalized for something that is not my fault. This situation is causing me a great deal of XXXX, and I kindly request that you address it promptly.
Consumer complaint received 2020-03-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (RI)

I reported a card stolen XX/XX/XXXX, received a temporary card XX/XX/XXXX. Was in an accident and provided a rental car by my insurance. I provided the temporary card void of my name to allow a {$200.00} temporary hold on my account. Insurance adjuster took 2.5 weeks to appraise damage and finally did so right before XXXX. Auto shop was worried the car wouldnt be fixed within 30 day window. I was in contact with insurance and complained the amount of repairs was equal to value of car, now add in the rental which would now be late, due to the adjuster, and this couldve been avoided had I just been issued a total loss, my claim became much more costly than it needed to be which was not my fault. Claim rep agreed with me and promptly refused to speak with me after agreeing. I also missed out on XXXX  biggest discount of the decade due to the untimely process of the insurance. I was angry but thought I put this all behind me, traded in the car, and got a new vehicle without the employee pricing that cost me thousands, and moved on with my life. XX/XX/XXXX was hit with a {$1300.00} charge for the rental car that my insurance paid for. No bill or attempt to notify me of an outstanding balance was ever received from XXXX XXXX XXXX. No alert or permission request from Bank of America was ever received. I submitted a complaint of fraud to my bank that was denied. Is my bank allowed to accept charges on an old expired card without any authorization? If I was responsible for these charges I would have figured out what was going on by contacting my insurance XXXX XXXX, and XXXX, and try to get to the bottom of this. But instead my bank took the liberty of removing 50 % of my account funds without my authorization on a non recurring transaction along my ability to dispute any claims. I could have argued some of the charges, I could have told my insurance I needed a new claim rep who would respond to my daily phone calls, even when I spoke with other reps and was promised a return call one was never received therefore I have no clue what they paid if anything. My bank who I trusted to protect my money gave away any ability to dispute these charges with Updater services and a Forced Authorization without me present and without my PIN, after a card was reported stolen, you would think these convenience features would not be allowed. What stops fraudsters from doing the same thing on a stolen card? PleAse help!
Consumer complaint received 2024-03-12
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: Experian Information Solutions Inc. (SC)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-09-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION (GA)

Someone user my XXXX acct to send ( wire transfer ) funds to someone else in the amount of {$800.00} on XX/XX/XXXXXXXX XXXX XXXX XXXX Soon as I noticed it I immediately contacted XXXX hoping they could stop the transfer from processing and i contacted Navy Federal to place a STOP on the transactions seeing how it hadn't gone through yet. On my end everything read ( pending ) ONLY. XXXX quickly said there wasn't anything they could do and to notify by bank institute. So therefore I called Navy Federal. Navy Federal told they couldn't do anything til after the payments posted ( smh ). So after the weekend was over, of course the payments posted. I immediately called Navy Federal that following Monday and was told it was nothing they could do. Once a XXXX payment goes through its considered to be out of their hands, again ( smh ). They said they consider XXXX to be like a face to face transaction. I don't know why they consider it to be that when in fact that's not what it is. Using XXXX should be called exactly what it is, A wire money transfer. Not a face to face. Ppl can hack your accts, your phones, your computers, freeze and take all your assets and you mean to tell me that the very ppl we're suppose to trust to protect our money just allow it to happen?! THATS RIDICULOUS!!! I didn't authorize anyone to take {$800.00} and XXXX it to anyone. I've even used the person XXXX phone number to reach out & contact them. I have proof of our messages going back and fourth with me asking for my money back. Whomever received it of course wouldn't give it back and kept thanking me for blessing them, again ( smh ). Now my acct is overdrawn by {$800.00}, Navy Federal is constantly calling me to see when I'll be settling my debt and informing me that I have until XX/XX/2023 to pay the balanced owed. I will not be paying anything. I refuse to be out of {$1600.00}. THESE BANKS SHOULD BE ASHAMED OF THEIRSELVES. Why work with a company or represent a company that allows your clients money to be stolen or scanned and not haveva plan in place?! That's crazy to me.
Consumer complaint received 2023-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I purchased a timeshare. Immediately after tried to cancel by phone and certified mail. Was delayed and dodged by company. When they got back to me told me I was 3 days late and couldnt cancel. They provided a change of terms by email. I agreed, they then would not answer the phone. Tell me I could only talk to one person. This person discriminated against me, ignored calls, text and emails. Then illegally added a fraud account to my credit. This company practices fraud through their sales process. I am attaching proof of emailed conversation. Sent to me twice and never corrected for 2 months.
Consumer complaint received 2022-12-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC (WA)

I have a debt for {$290.00} for XXXX XXXX i did not have. I've never used XXXX home internet. I never will. After contacting them today I determined that this is an intentional fraudulent act on their part for several reasons. 

I filed a dispute with XXXX. The dispute was " settled '' in XXXX ' favor. They claimed I owed them the money. However, when I contacted XXXX they verified that there was no account with my name, address, or phone number. There is no way to verify a debt that is not linked to me. Someone needs to go to jail for fraud. It may seem petty to some people but this has destroyed my otherwise perfect credit and set my life on hold in many respects. 

I have no unpaid debts. While I'm asking you to investigate and determine the facts, namely that the account is not mine, I'm also asking for an investigation. This is not mere identity theft. This is a criminal act by thugs in suits who are surely doing this to many other people. Helping me here will likely help thousands of others inadvertently. 

To summarize. XXXX lied about the debt. They knew they were lying. Lying for financial gain in this way is fraud. Thank you for your time. 

Sincerely yours, XXXX XXXX
Consumer complaint received 2022-12-09
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. (NJ)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE
Consumer complaint received 2024-03-12
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (NY)

Hello, I recently had a collection show up on my credit report in the amount of {$18000.00}, being collected by National Credit Systems on behalf of the original creditor, XXXX XXXX XXXX XXXX in XXXX, XXXX. 

I have lived in XXXX XXXX for XXXX years and XXXX before that, and have never lived in XXXX - someone had leased an apartment using my information and identity. 

This person also purchase a car in my name in 2023 which I got another collection for and have now gotten removed from my credit report. 

I have tried to contact XXXX XXXX XXXX XXXX but have not got ta an answer when calling. 

I did open a dispute with XXXX for this collection.
Consumer complaint received 2022-12-09
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)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXX XXXX XXXX ; XXXX XXXX XXXXXXXX Ct, XXXX, CA, XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA, XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, CA, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX  CA, XXXX ; XXXX XXXX XXXX, XXXX XXXX, CA, XXXX ; XXXX XXXX XXXX, XXXX, CA, XXXX ; XXXX XXXX XXXX, XXXX XXXX, CA, XXXX ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Filed XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Balance : {$340.00} ; XXXX XX/XX/XXXX
Consumer complaint received 2022-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to inform you of the violation of my rights under 15 U.S. Code 1681c-2 and 15 U.S. Code 1681b, as well as my victimization of identity theft, as documented by an FTC report on file Reference Number : XXXX. I kindly request your prompt attention to this matter and the immediate removal of the following fraudulent accounts from 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
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (PA)

XXXX XXXX XXXX XXXX XXXX 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 Subject : Request to Remove Student Loans from Consumer Reports Dear XXXX XXXX XXXX XXXX and Navient , I am writing concerning the student loan account XXXX, associated with my name, XXXX XXXX, and my address as provided above. 

Recently, I received a XXXX form which indicates that a portion of my debt was canceled. The IRS has accepted this cancellation, and I have duly paid the necessary tax implications associated with this form. 

Given this, I kindly request that you update your records to reflect this accepted cancellation and subsequently remove the mentioned student loan from my consumer reports. As you might be aware, accurate reporting is essential to ensure that all individuals can benefit from the true reflection of their financial situations. Removing the loan from my report will help me in my future financial endeavors, and I believe it's a fair request considering the debt cancellation has been accepted by the IRS. 

I would appreciate your timely attention to this matter. Please provide written confirmation once the loan has been removed from my consumer reports. If you require any further documentation or details regarding this, please feel free to contact me at XXXX XXXX I have also attached a copy of the XXXXXXXX XXXX XXXX. 

Thank you for your understanding and cooperation. 

Warm regards, XXXX XXXX
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (IN)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

For almost two. months I having been requesting XXXX and Equifax delete an inaccurate information on my credit report. I never lived nor had any association with that address. I am being told it can't be deleted because it was reported and verified by XXXX XXXX. That information is inaccurate since I never live nor provided that address to XXXX XXXX. I believed XXXX XXXX found someone with the same name and is using that address. 

XXXX XXXX is sending emails and letters to my update my address, because the mails are not being delivered. Of course not because I don't live and never did live there, why would I update my address to where I never lived. But yet, The credits Bureaus are claiming the information as been verified and is correct. The same way the credit bureaus are asking me to provide documentation, why don't they ask the creditors like XXXX XXXX to provide documentation for information prior to putting the INACCURATE information a consumers report.
Consumer complaint received 2023-09-13
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc. (NC)

In accordance with the Fair Credit Act, the list of accounts below have violated my federally protected consumer rights to Privacy and confidentiality under 15 USC 1681. 

XXXX Account # XXXX ; XXXX XXXX XXXX  Acct # XXXX XXXXXXXX XXXX XXXX Acct XXXX XXXX ; XXXX 15 U.S.C 1681 Section 604A states that I have the right to privacy 15 U.S.C. 1681 Section 604A section 2 states it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( a ) ( 1 ) states that a person shall not furnish any other 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 2023-09-13
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)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

This is XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-09-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

This doesn't belong to me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX