davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-17
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: Experian Information Solutions Inc. (IN)

I ask you kindly to delete this account since it is not mine since I am quite irate that they are showing up on my credit report. By letting me go through this, they really let me down, and I feel awful about it. I want the company to remove this as quickly as they can off my credit record. Definitely not mine!
Consumer complaint received 2023-05-17
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. (UT)

Please remove this inaccurate late payment from my account. I have a good history of paying on time and it is unfair for me to be penalized for something that is not my fault. I kindly request that you update my account as soon as possible to reflect the correct information
Consumer complaint received 2023-01-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (CA)

The CFPB, in conjunction with regulatory agencies, should be working to reduce the number of loan transfers from one Loan Service to another. Loan transfers impact borrowers with the burden of constantly setting up new autopay account for the new servicer creating confusion for the borrower. There should be a penalty of some charge for every time a servicer transfers a loan.

1. if a loan is transferred, the payment arrangements are transferred as well 2. forcing the borrower to keep track of the transfers is an undue burden on the borrower. They make their payments on time. The banking and finance business should not be a problem for the borrower. The borrower does not get any advantage from the transfer, so they should not be impacted.

3. Have a limit on the number of times a loan can be transferred.
Consumer complaint received 2023-01-25
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: BARCLAYS BANK DELAWARE (IL)

I have been try to get a partial refund from a cruise that was canceled due to covid for 2 years carnival has proven the refund was sent the credit card company never released it to me. I called, then nothing. I called oh its not something we can see send a letter stating the amount the date the reason ok I did. Nothing call oh resend ok. Oh a manager will call back, nothing. 2 years of XXXX now they tell me oh you can only dispute for 2 months after the bill cycle. I didn't even know the refund was sent with the 2 months. I just want my XXXX refunded back.
Consumer complaint received 2023-05-15
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: EQUIFAX, INC. (OK)

Equifax is reporting inaccurate inquiries on my credit report from companies I did not authorize to pull my credit report. Equifax refuse to remove inaccurate inquiries from my credit report.
Consumer complaint received 2016-03-01
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC (MN)

1.5 years into my home loan modification, never late on a payment, Nationstar Mortgage is threatening to reverse the modification and take me to court if I do not sign new documents. They said they had to modify the documents as they made an error and ca n't file it XXXX
Consumer complaint received 2024-04-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Nelson and Kennard (CO)

I was paying back a debt collector- Nelson & Kennard. I was making regular payments and I couldnt pay one, so they stopped charging my account without communicating that. Then months later randomly charge my account for a little over {$1000.00} with no notice that Ive received. No email, letter, texts, call or voicemails. They drained my account to nothing right after I got paid and I cant afford gas for work, or food to survive. Im more than okay trying to pay off this debt, but when you garnish my account to nothing and I cant afford to make more money, or live for that matter it becomes a bit bothersome. I get that I have a debt that needs to be paid, but this is not the method. I owe {$2000.00} and they take 1/2 of it in one go with no notice? They call themselves lawyers, but sure doesnt feel like theyre acting on behalf of the law, feels more like the opposite.
Consumer complaint received 2023-01-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION (TX)

On XX/XX/XXXX my Comdata account was used fraudulently for {$140.00} at XXXX XXXX # XXXX. Upon detection ( late XXXX ) I filed the Comdata dispute form for the transaction, my Comdata card at the time ended in XXXX, notifying them of the fraud transaction. On XX/XX/XXXX Comdata emailed me and informed me that my claim had been approved and that funds would be credited back to my account. As of XX/XX/XXXX I have not received the credit of {$140.00} to my account. I emailed the Comdata service department on XX/XX/XXXX, XX/XX/XXXX, and multiple times throughout XX/XX/XXXX with no resolution. I have copies of my dispute form submitted in XXXX as well as all email correspondence should you need it..
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TN)

Experian, XXXX, and XXXX are reporting a debt from XXXX XXXX XXXX the debt has been paid off completely and I want it removed completely from all three credit reports. It is preventing me from getting approved for a place to live.
Consumer complaint received 2024-04-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (PA)

XXXX of Americans reported identity theft. More than XXXX XXXX personal records get exposed in data breaches. Cybercriminals steal more than {$1.00} XXXX globally annually. You can find this information listed below as it appears on my credit report, unrelated to any transaction ( s ) that I have made. It is the result of identity theft.

Please block this information from my credit report ; pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. I appreciate your prompt attention to this matter, and await your reply.
Consumer complaint received 2023-05-15
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. (CA)

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 1681. 
XXXX XXXX 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 a 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 Any 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 inaccurate.
Consumer complaint received 2023-02-08
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. (WI)

I had a loan with them, monthly payment was {$250.00} due ( XXXX of the month ) on XX/XX/XXXX a payment of XXXX was applied to the balance bringing the balance to {$2700.00}. A Lien release was also created. A car dealer purchase the lien vehicle. I had called multiple times because I told after payment was made a principle breakdown would be applied with a monthly payment lower payment. I called a few times regarding this principle breakdown agrrement-XXXX, XX/XX/XXXX, XXXX Finally on XX/XX/XXXX I received a principle breakdown and and now I am currently waiting for clarification on the amount and interest rate which was not provided on the the document sent to me. XXXX was paid on XX/XX/XXXX which in fact would cover a few months of payment, I am not late. Plus I said I would not pay anything additional to loan balance until this principle breakdown has been all cleared up. As of XX/XX/XXXX I am still waiting for that.
Consumer complaint received 2023-02-08
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. (WI)

I had a loan with them, monthly payment was {$250.00} due ( XXXX of the month ) on XX/XX/XXXX a payment of XXXX was applied to the balance bringing the balance to {$2700.00}. A Lien release was also created. A car dealer purchase the lien vehicle. I had called multiple times because I told after payment was made a principle breakdown would be applied with a monthly payment lower payment. I called a few times regarding this principle breakdown agrrement-XXXX, XX/XX/XXXX, XXXX Finally on XX/XX/XXXX I received a principle breakdown and and now I am currently waiting for clarification on the amount and interest rate which was not provided on the the document sent to me. XXXX was paid on XX/XX/XXXX which in fact would cover a few months of payment, I am not late. Plus I said I would not pay anything additional to loan balance until this principle breakdown has been all cleared up. As of XX/XX/XXXX I am still waiting for that.
Consumer complaint received 2023-03-25
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. (TN)

In accordance with the Fair Credit Reporting Act XXXX XXXX # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX # XXXX, # XXXX, # XXXX, # XXXX, # XXXX has violated my rights 15 U.S.C 1681 section 602A states I have a right to privacy 15U.S.C 1681 section 604A section 2 : it also states a consumer credit reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

On XX/XX/2020 I mailed via certified letter disputes for public record information being reported on my credit report as well as negative information for accounts being reported by Experian. Experian received my dispute along with supporting documentation on XX/XX/2020. It has been well over 30 days and Experian still has not started or even responded to my request for reinvestigation, and it is now the end of XXXX. 

They are now in violation FCRA for failure to reinvestigate and and continuing to report false and inaccurate information. 
1. The first dispute EXPERIAN FAIL TO INVESTIGATE IS A PUBLIC RECORD, which they list a 3rd party as a furnisher of information when they are not and had no knowledge of any investigations performed on behalf of Experian. 
2. They failed to investigate specific disputes for accounts Andresw XXXX, XXXX XXXX   XXXX, XXXX XXXX, XXXX After signing for for my disputes no investigation was ever started nor was I given a reason as to why. 

Experian never replied or reinvestigated my public records dispute after supplying them with documentation of there false reporting. 
Experian never open started or investigated my public record disputed that they sign for on XX/XX/2020. nor did they investigate negative account information after I submitted supporting documentation There are multiply FCRA violations going on here, as well as in my Credit Report 1. The furnisher for the Public Record listed on my report says that they are not furnishing anything to Experian involving my name, I have proof of that. 
2. Experian is listing incorrect and a false information as well as a false furnisher of the information in public record section of my credit report. 
3. Experian did not provide me with original documentation proving their investigation or result. They did not provide me with the Method of verification documents I requested. 
4. They did not do a proper investigation according to FCRA 5. Experian was in violation on the 31st day after failing to investigate The FCRA is very clear on the way disputes are to be handle with the furnisher of the information that it originated from and the Credit Bureau must accurately list that furnisher of information on the credit report. 
The 2 entities that they did list don't have the the legal right to furnish or verify any information or do any investigation. 
Is is also clear as to negative account that can not be verified and that there is 30 days to complete a reinvestigation, which also did not happen here Enclose is the original disputes along with some of the supporting documents, even thou Experian already has a complete set
Consumer complaint received 2022-11-23
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. (MS)

I have a collection account that is being reported. I initiated a dispute on last year and even contacted the company of XXXX XXXX XXXX who is reporting the account. They assured me the account was in error, but it still remains on my credit.
Consumer complaint received 2019-10-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: COMMERCE BANK (KS)

I just want to convey my displeasure with some things going on with my checking account at Commerce Bank. I deposited a check on XX/XX/19 for {$840.00} and had planned to pay some pretty urgent bills with it, only to get told after I deposited it that there was some kind of hold placed on my account that wouldnt allow me access to the funds for 7 business days, which actually would be roughly 2 weeks because of how the days fall on the calendar. I didnt understand that and was not aware of this banks policy on that kind of stuff, so the clerk that helped me said shed talk to her manager to see about getting that hold lifted. A few minutes later, she called and said that wasnt possible because Ive had too many overdrafts in the past. 

I totally understand if thats this banks policy, but I was not warned about this and I recently deposited a check the previous week and was not told about this. This makes it EXTREMELY tough for me to avoid future overdrafts because my funds are being kept from me to be able to pay some bills on time. I have to imagine SOMEONE there sees how counterproductive that is to customers, like me, who have had some financial struggles and are trying to make sure they dont happen again in the future. It is not fun to pay {$37.00} extra dollars in fees to overdraft and its only hurting me, so to not allow me to have access to money made out to me to keep overdrafts from happening makes absolutely no sense. Had I had some kind of warning about that in the past, I couldve tried my best to fix that issue, but today is the first of me hearing of that. 

I then called and spoke to an assistant branch manager, since the actual ones were too busy to deal with their customers urgent needs, and asked if I could have some kind of letter sent to me that explains these policies so I could better understand them and make sure they didnt happen in the future and she said no, that was not possible. The refusal to provide customers with important information that helps them stay financially responsible is just wrong and shows that the bank likely doesn't have an actual policy on placing holds on people 's accounts. They do so arbitrarily without taking the time to talk to customers and figure out the circumstances. 

Up until today, I had no problems with Commerce Bank and appreciated everything that had been done for me over the years. I have no idea how long Ive been an actual customer, but todays treatment definitely has me considering other banks. I dont ask for much, I dont ask for handouts, and I have never asked for special treatment, but I would think in these extenuating circumstances when Im trying to tidy up my financial issues so that I dont cost myself overdraft fees that someone at this bank would understand that, show some care, and help their customers. That was not the case today and its disappointing.
Consumer complaint received 2019-10-10
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)

Equifax ; XXXX and XXXX  are reporting incorrectly on the XXXX XXXX XXXX/XXXX   account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me. I do not now, nor have I in the past, had a credit card with XXXX. This account is being reported in error and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2024-04-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (TN)

I am writing to address ongoing concerns regarding the persistent collection attempts by LVNV and now XXXX XXXX regarding an alleged debt. Despite repeated communication in which I explicitly stated that I do not owe the debt and demanded that all collection activities cease, I am dismayed to find that these efforts continue unabated. 

It has become evident that LVNV and XXXX XXXX have violated my rights under the Fair Debt Collection Practices Act ( FDCPA ) by ignoring my requests and persisting with their collection attempts. Not only have they failed to provide evidence supporting the validity of the alleged debt, but they have also disregarded my right to verification and validation of the debt. 

Furthermore, their failure to provide a copy of the contract pertaining to the purchased debt raises serious concerns about the legality and legitimacy of their claims. I have repeatedly requested this documentation but have yet to receive it, further highlighting their lack of transparency and compliance with the law. 

Based on the egregious nature of their actions and the violation of my rights, I am demanding the immediate cessation of all collection activities related to the alleged debt. Additionally, I assert my right to compensation for damages incurred as a result of LVNV and XXXX XXXX ' unlawful conduct. It is my estimation that LVNV owes me more than {$10000.00} in violation funds, I shall expect a check for each violation. 

I expect prompt action to rectify this matter, including confirmation in writing that all collection activities regarding the alleged debt have ceased and that no further attempts will be made to contact me in relation to this matter and removal from all XXXX of my credit reports.. Their failure to comply with my demands will leave me with no choice but to pursue legal action and file complaints with the appropriate regulatory bodies. 

I trust that you will take immediate and decisive action to address this situation and prevent any further violations of my rights.
Consumer complaint received 2022-11-23
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. (OH)

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 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Balance : {$12000.00}. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any 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 inaccurate.