davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-07
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. (MN)

I was notified by Experian that my information was compromised. I noticed that old addresses are being used as current, different name spellings, different birthdays and many unknown inquiries have been made. 

I should not have any inquiries except from XXXX XXXX XXXX XXXX. I have not applied for credit any where else. 

Please make sure national credit systems has deleted the XXXX XXXX account.. deleted as agreed. 

XXXX adjustments account -XXXX XXXX {$100.00} Delete as agreeed. 

I really dont feel like my credit report is a true reflection of my credit please make all the necessary corrections.
Consumer complaint received 2023-06-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (IL)

I got a personal loan from BarclaysUS credit company linked to my existing credit card account. I made payments covering personal loan and credit card charges in full. However, Barclays continues withdrawing money out of my bank account monthly, even though I removed the automatic payment option in its portal. My account number is XXXX I have called the company SEVERAL times, addressing my concern. I am told repeatedly that the investigation department is working on it. What work can be so difficult in reviewing paper work that I sent showing clearly that the transactions were made between my bank and Barclays! Plus, in the Barclays statement it does show the payments were received!! Up to date, Barclays has withdrew 3 payments {$550.00} each. This is AFTER I made my full payment bringing down my account balance to {$0.00}. I can put a stop payment from my bank. But, my concern is that Barclays can report lack of payment to the credit companies. I've worked very hard to keep a decent credit score and to cover my debts. It is not fair that a bank with its extent resources can not solve a simple problem that a competitive person can resolve in 5 minutes!! A case was open. # XXXX Respectfully, XXXX XXXX XXXX XXXX
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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (VA)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XX/XX/XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX To whom it may concern : I'm writing to you in concern of some inquiries that are reporting on my credit file that I do not recall. 
Please see items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please forward me any documentation providing proof I applied for credit with these creditors. If proof can't be provided, then please remove these inquiries from my credit profile immediately. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-04-06
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: SYNCHRONY FINANCIAL (NY)

I have a Synchrony Bank XXXX XXXX ( account # ending XXXX ). On XX/XX/2023, I went through my card statement and discovered a fraudulent transaction : a merchant that I had previously purchased from but subsequently cancelled charged my card again on XX/XX/2023. The merchant is XXXX. The charge is for {$39.00}. When I try to log in to XXXX, it tells me that my account no longer exists ( see Exhibits 1 and 2 ), confirming that the charge was unauthorized. I immediately attempted to contact Synchrony Bank via phone- which was extremely difficult in the first place - the phone number is not readily accessible. I had to listen to several minutes of automated information about my account, which I had not asked for. Finally, when I was connected to a human, representative took down my details, then told me I would have to be transferred to another department. After waiting on hold for 30 minutes, I was hung up on. Evidently, this is Synchrony 's way of deliberately preventing reports of fraud on the account.
Consumer complaint received 2016-06-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (MA)

We submitted a complaint with your company. Nationstar customer care contacted us and told us we could reapply for making homes affordable even though we got an auction date. Our auction date was XXXX XXXX. We got our paperwork faxed over to customer care at nationstar on XXXX XXXX. By making homes affordable rules you must have paperwork in 7 days before auction. I stayed in constant contact with the representative. On XXXX XXXX I received an email from XXXX XXXX at nationstar that she was going to check on the status of our application. We never heard back from her until XXXX XXXX stating that we had our home auctioned because they never received our application. I have the transmittal showing XXXX pages were faxed on XXXX XXXX.
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX acct # XXXX {$530.00} reporting as open account and collection account, XXXX XXXX XXXX, acct # XXXX {$750.00} reporting as open and collections account. XXXX XXXX XXXX acct # XXXX {$470.00}, XXXX XXXX XXXX acct # XXXX $ XXXX acct XXXX XXXX {$500.00}, XXXX XXXX XXXX acct XXXX XXXX {$470.00}, reporting as open and collection account., XXXX XXXX XXXX  acct # XXXX {$390.00}, According to law 15 US Code 1681-Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of 30- day period beginning on the which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX : Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | XXXX Collection XXXX XXXX XXXX XXXXXXXX Collection XXXX XXXX | XXXX Collection XXXX XXXX XXXX XXXX Collection XXXX XXXX XXXX XXXX XXXX Collection XXXX XXXX XXXX  | XXXX Collection XXXX XXXX XXXX XXXX Collection XXXX XXXX XXXXXXXX | XXXX 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 that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information and other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is or may be inaccurate.
Consumer complaint received 2024-03-07
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. (FL)

Please be advised that as of XX/XX/2024 as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : XXXX XXXX This is the 4th time I am reaching out in regards to this concern and Experian is the only bureau that seems to keep coming back with this information. 

How is that so? What information are you getting that the others are not? 

I want to be explicitly clear with my request. I am not requesting validation of debt ; but Instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. 

Starting 15 days from the day you receive this letter ; I am demanding you provide the supporting documents and PROBABLE evidence that I have any obligation to the abovementioned accounts. If you are unable to produce what I have asked for within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice. 

Warm Regards, XXXX, XXXX Without prejudice, all natural inalienable rights reserved
Consumer complaint received 2023-08-02
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. (DC)

This is my 17th 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$210.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$14000.00} : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$14000.00} XXXX XXXX XX/XX/2022
Consumer complaint received 2023-08-11
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: QUALITY ACCEPTANCE LLC (CA)

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 account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (OH)

Returned by company STATUS Company responded the complaint does not belong to them on XX/XX/XXXX The company responded that they are not the appropriate company to address your issue. 
The CFPB will review your complaint to see if we can determine the appropriate company. We will contact you if we need more information. This company sold these private records to another company in XXXX so the information on all XXXX bureaus are reporting inaccurate do to the fact the company no long owns the debt please remove immediately
Consumer complaint received 2024-03-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: DriveTime (MI)

Loan with XXXX XXXX for a vehicle in 2018 my principle continued to rise instead of going down with my monthly payments i fell into financial hardship and tried to reach out to the company for assistance I was told that i had no options and that my car would be repossessed if my payments were not made in full. This forced me to claim bankruptcy.
Consumer complaint received 2023-05-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (OH)

my wallet was lost a few years ago and identity stolen someone has been applying for and using my credit for loans credit cards and other items. i have reported those items before and some are still on my report. I now have a freeze and fraud protection on my credit profile.
Consumer complaint received 2023-08-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: HSBC NORTH AMERICA HOLDINGS INC. ()

Based on complaint XXXX, I email and called HSBC PH to cancel my transfer to XXXX XXXX due to Scam/Fraud of XXXX XXXX They did not cancel. Transfer went through and I ask to be reverted immediately. No action after 2 weeks.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AR)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-02-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (GA)

My mortgage company Truist, submitted an insufficient payment of city property taxes for the year of XXXX. The amount due was XXXX but only XXXX was paid for that year, on XX/XX/XXXX, for city property taxes. I noticed but was not concerned at the time and eventually it slipped my mind. This mishap in payment by the mortgage company resulted in penalties in interest, of XXXX, that the mortgage company have passed to me but they should be responsible for, as the escrow account I have is for the purpose of them paying the taxes. 

On XX/XX/XXXX I received a letter from the mortgage company informing me of the unpaid payment of taxes and that they are not responsible for supplemental tax payments, but the bill would be paid from my escrow to protect the property from a tax XXXX. I called them to understand what exactly this statement meant as this was not a supplemental tax bill but an insufficient tax payment that is the result of their partial payment. 

I received the tax bill for XXXX that listed the XXXX amount due in XXXX of XXXX and called my local tax collectors office to confirm the amount due was never amended for any reason and there was not a supplemental addition to the taxes. They confirmed the amount was never amended and that that was always the bill total it was just not fully paid by the mortgage company. 

I called the mortgage company to dispute them passing the penalties and interest to me and they are unwilling as they are saying the tax payment is supplemental without any proof. I have gone over all the bills with them verifying that it was not supplemental and they are unwilling to remove these charges from my account. I have no recourse in trying to pursued them to do what is right and take responsibility for the partial payment that was their mistake. I have presented all of the proof to them and they refuse. 

I have attached the Truist notice of unpaid tax bill - It is labelled as XXXX but it is from XXXX I have attached the XXXX tax bill from XXXX of XXXX- It is noted in the bill that there are taxes due for other years in the amount of XXXX. 
I have included the tax bill for XXXX - that shows the only partial payment of XXXX when XXXX was due. 
I have attached the notice from city of XXXX of the unpaid amount due from XXXX of XXXX including penalties and fees. 
I will also show the high level ledger of taxes and payment of those taxes from XXXX, which also shows the partial payment and history of payments since I acquired the home in XXXX.
Consumer complaint received 2023-05-22
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. (CT)

On XX/XX/2023 I put a disputed for this Collection account from XXXX with account # XXXX and a balance of {$1200.00} original creditor is XXXX UNIVERSITY. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

*Account was verify/Updated as been verified and accurate*. 

On XX/XX/2023 I resend a disputed for this collection account from XXXX with account # XXXX and a balance of {$1200.00}. The original creditor is XXXX UNIVERSITY. 
I previously disputed this account stating : ''I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account. 

On XX/XX/2023 I receive what its to be verification from XXXX collection agency proof from the original creditor that this debt collector owns this debt. Which is not because like i said before I have never signed anything with this company or own this money. I have provided a copy of my license and a copy of the proof I receive. CLEARLY THE CREDIT BUREAU HAS NOT VERYFIED ANYTHING!!!! BECAUSE THE SIGNATURE ARE NOT EVEN THE SAME.!!!! 

At this point you the credit bureau are allowing this creditor to bully me and violated my rights as a consumer/CLEARLY you ARE NOT verifying the account at it contains numerous discrepancy.

PER 15USC 1681 ( 5 ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) PROMPLY DELETED that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or DELETED from the file of the consumer. 
Please reinvestigate this matter and delete or correct the disputed information as soon as possible. Thank you for your assistance.
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The 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 need to be investigated and corrected for 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
Consumer complaint received 2023-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, Experian and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation.
Consumer complaint received 2023-09-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc. (CA)

I scammed by my boyfriends advice. I used Coinbase to send my money to scammer website. But Coinbase XXXX help me to recover my amount like XXXX tools. All other cryptocurrency services help their customer. My money is still looking in scammer crypto wallet but they are not helping me. My a friend got back his money because he sent his amount on XXXX. Coinbase is not customer oriented service. Worst crypto service tool in US.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The XXXX Credit Bureaus have failed to comply with air Credit Reporting Act, 15 USC Section 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditors, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information. REMOVE THIS CHARGE OFF and COLLECTION ACCOUNT COMPLETELY FROM MY CREDIOT REPORT. Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX