davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-21
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-03-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2017-07-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BB&T CORPORATION (VA)

It 's XX/XX/XXXX, and i worked an six hour shift in XX/XX/XXXX and it said i made {$XXXX} i make {$XXXX} an hour there is no way i only made {$XXXX} out of six hours and my bank info is wrong.
Consumer complaint received 2022-09-05
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. (FL)

Been attempting to solve the issue with the Bureaus and have yet to get a positive response of the matter and Now I am prompted to File an FTC report on the matter. The following accounts are fraud and should be removed from my credit report : XXXX XXXX : XX/XX/XXXX : Inquiry : FRAUD XXXX : XX/XX/XXXX : Inquiry : Fraud XXXX : XX/XX/XXXX : Inquiry : FRAUD XXXX : XX/XX/XXXX : Inquiry : FRAUD XXXX : XX/XX/XXXX : Inquiry : FRAUD XXXX XXXX  : XX/XX/XXXX : Inquiry : FRAUD XXXX XXXX : XX/XX/XXXX : Inquiry : FRAUD XXXX : XX/XX/XXXX : Inquiry : FRAUD XXXX : XX/XX/XXXX : Inquiry : Fraud XXXX  XXXX : XXXX : Collection : Fraud XXXX XXXX : Inquiry : Fraud XXXX : XX/XX/XXXX : Inquiry : Fraud XXXX XXXX : Inquiry : Fraud XXXX XXXX  XXXX : XX/XX/XXXX : Inquiry : Fraud XXXX XXXX XXXX : XX/XX/XXXX : Inquiry : Fraud XXXX XXXX XXXX : XX/XX/XXXX : Inquiry : Fraud XXXX XXXX XXXX : XX/XX/XXXX : Inquiry : Fraud XXXX  : XX/XX/XXXX : Inquiry : Fraud US SM BUS ADMIN ODA : XX/XX/XXXX : Inquiry : Fraud XXXX XXXX : XX/XX/XXXX : Inquiry : Fraud
Consumer complaint received 2023-06-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MO)

I received in the mail for my mortgage provider for Mr Cooper that they're selling my loan on XX/XX/2023 to XXXX XXXX XXXX XXXX XXXX in XXXXXXXX XXXX I looked this provider up on the XXXX XXXX XXXX and they are a d plus rating they're almost an F rating I have found almost XXXX reviews from the same people that this is happening to that this company is doing illegal things with mortgages they have a lawsuit against them and XXXX people want to start a class action lawsuit against them for misappropriation of funds from their mortgages that are not being treated fairly for a mortgage provider should be applying their loans fairly and without fees losing payments not allowing insurance payments to be paid properly to your escrow I do not know why Mr Cooper when I have a 100 % never have missed a payment a good loan I pay my payment before it's due I have a perfect credit rating would sell my mortgage to an F rating company that's doing illegal things the FTC needs to investigate XXXX XXXX XXXX XXXX XXXX because there's XXXX people can't be wrong every single one of them have gave them a XXXX review from from XXXX to XXXX they get a minus XXXX there's something going wrong here with XXXX XXXX XXXX XXXX XXXX its successors and are assigns XXXX XXXX XXXX XXXX XXXX XXXX XXXX and it also has the correspondent address of XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX and a payment address for XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX in XXXX XXXX XXXXXXXX there's not even a street address these are XXXX XXXX XXXX and I'm not sure why Mr Cooper would do such an a terrible thing here Mr Cooper 's is www.mrcooper.com and their address is XXXX XXXX XXXX and XXXX XXXX XXXX in XXXXXXXX XXXX the FCC needs to investigate this XXXX people can't be wrong and I'm not going to sit back and wait for somebody to XXXX me over please investigate this and let me know what you find
Consumer complaint received 2023-06-15
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: Experian Information Solutions Inc. (NC)

I told Experian. XXXX, AND XXXX Credit Bureaus that aacount inmy report are in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Consumer Privacy Bill of Rights Act which were enacted by congress to protect and secure the use of my name, identity, privacy, and rights as a consumer. 
I have never given any consent or authority to your agency to use any of my personal information for any means. This is NOT a request for verification nor is it a request for verification via XXXX The reporting of inaccurate and unsubstantiated information without consent to any consumer report may constitute constructive fraud under federal law.

1.Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX XXXX XXXX Account Number : XXXX Please Delete Immediately 2. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX XXXX XXXX Account Number : XXXX Please Delete Immediately 3. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX XXXX XXXX Account Number : XXXX Please Delete Immediately
Consumer complaint received 2022-09-05
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. (MI)

To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Accounts : Account Name : XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

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 instruction. 

I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. Thank you for your time and help in this matter.
Consumer complaint received 2023-07-03
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. (TX)

I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2023-05-08
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

In accordance with the fair credit Reporting act XXXX Capital One, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-11-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I checked my personal credit report, which I acquired from your organization on ( XX/XX/XXXX ) and I noticed that this unauthorized inquiry had been made : TransUnion XXXX XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX Used XX/XX/XXXX TransUnion XXXX XXXX XXXXg XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX  XXXX XX/XX/XXXX TransUnion XXXX Bank XXXX Cards XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Please remove it from my credit report. 
I contacted ( CREDITOR/FURNISHERS NAME ), who placed the inquiries, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than XXXX business days ago, they have failed to respond and honor my request. 
Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within XXXX business days of the completion of the investigation. 
Thank you for your help and assistance. 
Sincerely, XXXX XXXX
Consumer complaint received 2017-07-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Bureau Collection Services, Inc. (MI)

I have received a derogatory mark on my XXXX credit score from CBCS for the collection of {$140.00} ; account opened XXXX XXXX, 2017. Though this mark shows up on my credit score history, I have yet to receive any paper documentation from the company explaining what company I owe money to or a " Right to Despute '' letter for this debt. I would like to know more information regarding this debt so I will be able to have it paid and removed from my history.
Consumer complaint received 2022-11-14
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. (TX)

I have been a victim of identity theft XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-17
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: Navient Solutions, LLC. (NY)

My student loans have changed hands several times over the years ( not by my doing ), and therefore so has payment history. This private loan is unknown to me, and no mail correspondence was sent regarding these bills. All private loans were paid in full. I would like it removed as they can not provide loan specific signature pages. I have also been the victim of identity theft and had several accounts opened in my name, so I am concerned this may be the case here as well.
Consumer complaint received 2017-05-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (LA)

I recently checked my credit report after not checking it for years and i noticed a collection for a phone bill that I know I didnt have. I contacted  XXXX  and I was unable to get any information from them. The collection is as follows ;  XXXX  ERC  Original Creditor-   XXXX  Date Opened-  XXXX   XXXX ,  2014 Bala nce- {$170.00}
Consumer complaint received 2021-01-07
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. (FL)

Chapter XXXX Bankruptcy XX/XX/2021 To Whom It May Concern, Your company is currently reporting a negative listing regarding the above referenced account. Based on my recollection and my records, I can find no reason for you reporting such a history. If you'll review your records I think that you will find your reported notations are inaccurate. 

The erroneous status of your credit reporting agency records is unacceptable and is preventing me from obtaining necessary financing. Pursuant to Title 15, Section 1666 of the United States Code, I formally request the following documentary evidence pertaining to my account : A summary of all account activities, including all payments made, late charges, interest, date of payments received, date of payments posted, charges made and date of charges posted. 

Copies of all documents and financial instruments used to pay the disputed late payments. 

Copies of all charge slips, invoices, promissory notes, and all other documents proving indebtedness.
Consumer complaint received 2017-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

XXXX case not resolved to my satisfaction consumers have rights as well when it comes to Fair Credit Act they used my info without permission and that is ID THEFT i contacted all the creditors and no response so i came to CFPB for help and you have not cleared the issue. i am a victim of ID THEFT since XXXX XXXX and still haveing problems to this day. PLEASE HELP.
Consumer complaint received 2022-11-16
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: CAINE & WEINER COMPANY, INC. (NY)

have reached out to Caine & WEINER. They have failed to provide proof of validation regarding a debt that does not belong to me. They have furnished this alleged debt on my consumer report and have failed to validate the alleged claim pursuant to Sec. 809 ( b ) of the Fair Debt Collection Practices Act and according ************* you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. I demand this item be removed from my credit report immediately. Caine & WEINER you are furnishing inaccurate and incorrect information to the consumer reporting agencies. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. You and your inaccurate reporting have damaged my livelihood. ** **** Code ******* - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. Prohibition : a law or regulation forbidding something As Defined by The IRS Even if you didn't receive a Form ******* you must report canceled debt as gross income on your tax return. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-08-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC (MO)

XX/XX/2023 flagship crediti acceptance changed my account number and didn't notify me at all..so when I made my payment in XX/XX/2023 it went out to wrong company and I had to cashe that out and resend it to their overnight processing office ... I have never been late with them even when XXXX and flagship first sold me a car that neither one had a title for I still paid..I have sent both of my XXXX and XXXX payment in by usps and someone signed for it and they claimed they haven't received it, ,but now they are charging me XXXX per day in interest and no one is helping me from flagship.
Consumer complaint received 2023-08-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MARINER FINANCE, LLC (NJ)

When I make additional payment on top of the normal payment I request that the additional payment is to be applied to principle balance but they do not. They put the additional payment towards future monthly payment not due yet so that they continue to charge interest on a incorrect balance.
Consumer complaint received 2023-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP (NV)

I opened a free checking account and it's U.S. Bank XX/XX/2022 was supposed to have no fees they cancelled all the no fee accounts and are charging monthly fees of {$6.00} each month will not credit fees. 

I didn't not agree to a monthly fee account at US Bank this is fraud they are stealing my money since XXXX {$70.00}
Consumer complaint received 2023-07-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MO)

I have been trying to make arrangement to get our mortgage caught up since XX/XX/XXXX ; however, SPS Servicing company has declined to help us in any way. I have sent them checks in the mail, and they just return them to me, stating that they are not sufficient in the amount to resolve the dispute? I requested to make two payments, to spit up the difference to make it little easier on us to get the payments caught up, but again, they refuse to work with me. We have been in our home since XXXX ; and have a family who we are trying to raise.
Consumer complaint received 2017-05-16
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 sent multiple request to  XXXX  asking them to validate this account. This vehicle was sold and the balance that they are reporting is inaccurate. The account with  XXXX  has been closed. Per FCRA I asked them to provide me with contract and the bill of sale. The vehicle was sold at an auction. After multiple attemps they refuse to provide me with anything but bogus statements. I contacted the creditor bureas and they to have ignored my request. The only thing they did was update the account to say accounts meets FCRA requirements, since they have made such a bold statement I asked them to provide me with the documentation and information they used to determine this account meets FCRA requriements. My request was very specific but to date still no response. My credit is suffering because of this inaccurate account.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

The recent changes in my credit report have left me feeling distressed, dissatisfied, and anxious. Despite always meeting payment deadlines, some accounts now show late payment remarks. I haven't missed any payments, and it's essential to resolve this matter promptly. I require your assistance to ensure that my credit report precisely reflects all on-time payments, maintaining its full accuracy.