davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-08
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. (SC)

The following debts were sold to a collection agencies, two specifically yet still report bad debt with original creditor. All debts were paid and settled with collection agencies. 
XXXX XXXX XXXX-acct no. XXXX XXXX- acct no. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX-paid in full XXXX-acct no. XXXX
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

Recently i have checked my credit report and have noticed several inaccuracies. This inaccuracy i have noticed is not in accordance to the FCRA XXXX XXXX XXXX XXXX, XXXX. I did not open any account, give permission, or enter into any agreement with the listed XXXX XXXX XXXX, or was the debt a CREDIT TRANSACTION. It is to my understanding that this you will investigate these items for me to ensure accuracy. 

Listed below is the agency in question : ( Experian ) Account Name XXXX XXXX XXXX XXXX Account Number : XXXX ( XXXX ) Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX.
Consumer complaint received 2015-12-14
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Hi, I obtained an FHA loan with NationStar Mortgage XX/XX/XXXX. My house value has increased dramatically and I have contacted the NationStar many times in regards to removal of my mortgage insurance. They have declined. The most recent request was XX/XX/XXXX and they declined again. I am hoping the CFPB can help me to resolve this issue as since I have this loan, I have never once being late for my payment.
Consumer complaint received 2023-06-01
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 investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-01
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. (TX)

This is my Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove the items which are opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. These are the fraudulent items : XXXX XXXX XXXX XXXX, NY XXXX ; XXXXXXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; 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 2017-04-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Resurgent Capital Services L.P. (TX)

I received two letters and they both were dated for XX/XX/2017 from two different collection companies. I made an settlement agreement with XXXX XXXX XXXX, XXXX, but decided not to pay because one letter state Resurgent Capital Services out of XXXX, SC and the second letter was from XXXX XXXX XXXX out of XXXX Ny and both list XXXX as the owner. On my credit report XXXX XXXX services and XXXX XXXX XXXX are both reported. Please confirm whom is the correct collection of this debt. The original owner was XXXX XXXX
Consumer complaint received 2015-12-15
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

My original loan servicer Aurora XXXX settle their wrongful behavior and the damage to families had been done. My current Mortgage servicer, NationStar has increased my interest rate to 4 %. My loan modification says my payment should be about {$2900.00}. It is more like {$3900.00}, which is back to why I needed the modification.
Consumer complaint received 2022-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

Account identified as an vehicle loan is inaccurate. Sale completed at XXXX delearship. True account type is retail installment sales contract. Account also in litigation due deception and predatory lending. XXXX found at fault. 

Original balance reported as {$22000.00}. Report notes a payment of {$10000.00} made on XX/XX/XXXX. Creditor, XXXX, reports writing off {$20000.00} however balance as of XXXX XXXX only {$12000.00}. 

Data is inconsistent, incomplete, and inaccurate across all 3 credit bureaus.
Consumer complaint received 2017-03-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Round Two Recovery (OK)

The debt they are adding to my credit report is my mother 's account. I never agreed to this account the only way they are linking me to it is because I let her use my debit card to pay but I was not the account holder. I have never received any billing or notifications from them just one day the charges appeared on my credit. I have disputed the charges twice. It will get removed then a different credit collections company will add it back on my credit. First it was under Round two credit recovery that was removed and now it was readded back by XXXX. Also the date on it is incorrect the account she made with them is at least 5 years old or older and they are reporting it as if its new.
Consumer complaint received 2024-03-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (CA)

Around XX/XX/XXXX iwent to make a purchase and it kept getting declined. I called chime and they said they suspended my account Im guessing because i lost my old phone and l had to borrow a phone to use to use XXXX XXXX with my chime card. After my account was suspended l gave the phone back After i took my info off the phone. So when i called chime they told me that to be able to get access to my account again i would need to have a valid ID or drivers license but the only thing i had at the time was a temporary paper copy you get when you renew yourlicense because I had just renewed it. They said it wasnt acceptable. I disagreed and was very upset because i hadn't done anything wrong. I just had to renew my license and it takes quite a while to get the new one in the mail. My license only just came like a week ago on XX/XX/XXXX and when XXXX XXXX i had to Scan it and take picture of myself. And then finally i had access to my account. The only problem was that all the money in my checking was missing but my savings account was stil there. I'm guessing that they werent able to access My savings account. But i was quite confused because l was told that my account was suspended to protect my account. That Includes my funds. But chime failed to do that. And the whole Time up until about a week ago i didn't have access to my account In any way. Had i had access to my account l would not have let this happen but unfortunately i didnt, So during the time those transactions occurred chime was In control of my account not me XXXX of put a stop to it the first day as im always checking my account for unauthorized purchases. Another thing i was hospitalized for a few weeks during which some of these transactions occurred, I have called the XXXX hospitals i was hospitalized In and it would take some time but i believe i can get those records. It might just take a week or so. l don't think Chime would really need them though as the fact that i didnt have access to my account should be fact enough to return those funds to my account. A dispute was filed and has been denied like XXXX times. I don't get why. And chime has even asked me to send them copies of their own emails to show my account was suspended and the supervisor said it should go through this time but a few hours later I get another rejection email. I don't know what to do with these guys. I'm very upset that because of chime I was forced to be homeless and without funds. It's not right, then to have my money gone when I do regain access to my account is just not acceptable in any way and they need to put that money back.
Consumer complaint received 2023-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

It is TRANSUNION 's duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. TRANSUNION is reporting 4 inaccurate late payments for the XXXX account ending in XXXX. These include a 30 day late payment posted in XX/XX/XXXX, a 60 day late payment posted in XX/XX/XXXX, a 90 day late payment posted in XX/XX/XXXX and a 120 day late payment posted in XX/XX/XXXX. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these late payments resulting in TRANSUNION violating my federally protected consumer rights. To add to this, I did NOT give TRANSUNION written instruction/permission to furnish these inaccurate late payments on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Consumer complaint received 2023-03-02
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. (GA)

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 Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or list of inquiries 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 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Hello, I sent a letter to Experian ( XXXX Mail ), letting them know that they are reporting XXXX accounts inaccurately on my credit report. Experian responded claiming they did an investigation on these accounts and they came back verified. As a consumer, I have the right to ask for proof of this investigation and they have not provided ANY proof. 

I have done everything I can as a consumer. Experian is breaking FCRA laws! 
I told them they if they do not show proof of an investigation, to either remove these accounts or update them to " Paid as Agreed '' and they have done neither. 

CFPB, I plead that you help me. I don't know what else to do. Experian is getting away with murder ( metaphorically speaking ). I don't think it's fair what they do behind your back and I seriously have all the proof that I've done what I'm supposed to do. 

The XXXX accounts in question are : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please have them update these accounts or have them removed. 

If not, please fine them. 

Thank you.
Consumer complaint received 2023-06-01
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. (TX)

I am submitting this complain for you to correct the inaccurate accounts on my credit file which are unknown to me. Please investigate about this matter and have actions about this. Kindly correct also the accuracy of my account. Equifax and XXXX credit bureaus are required to authenticate this account. These are thew following accounts that are needs to be corrected : XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-01
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. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$0.00}, U S DEPT OF EDXXXX XXXX Balance Owed XXXX {$0.00}, XXXX XXXX XXXX XXXX Balance Owed : {$25000.00}, XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-01-26
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. (DE)

This is my XXXX  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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-01
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)

Despite multiple written requests, the unverified accounts in question. listed below continue to report on my credit report in violation of federal law. These accounts in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-01
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)

This is my 8th 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX XXXX : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-18
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. (CA)

Equifax ; XXXX and XXXX  are reporting incorrectly ( 90 ) plus  days late on the XXXX XXXX XXXX XXXX account numbers XXXX and XXXX. ( Please see pages 1 and 2 of  the attached credit report. ) I have made multiple consecutive payments on these accounts and therefore they should not be reporting any lates. This incorrect reporting is harming my credit score. I have contacted the ( 3 )  bureaus to fix this, however I have been unsuccessful. Please delete these late payments from these trade line items on my credit report.
Consumer complaint received 2023-01-03
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: EQUIFAX, INC. (NJ)

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 and XXXX am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2015-11-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (VA)

During an application for a car loan, I discovered that there were many errors in my Credit Reports with all XXXX credit bureaus ( XXXX ; Experian ; and XXXX ). I respectfully sent a request letter to them to investigate, delete, and forward me the names and phone others of all the people they contact, any documentation as well as a new Credit Report within 30 days per Fair Debt Collection Practices Act ( FDCPA ). 

To my dismay and surprise, I have not received any documentation evidence as stated in all my XXXX letters I sent to all XXXX credit bureaus ( XXXX ; Experian ; and XXXX ). 
I feel it is an intentional action by these credit bureaus to gain from the errors in other peoples credit reports so that we as consumers can pay for very high interest loans as I am paying now. Per Fair Debt Collection Practices Act ( FDCPA ) reuglations they are supposed to investigate any errors and notify me if these have been done. 
I am about to file a law suit against all the credit bureaus ( XXXX ; Experian ; and XXXX ) ; and before I do that I report it to XXXX.
Consumer complaint received 2021-01-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (FL)

Balance owed {$1200.00} There has been no response to many of my letters to XXXX, XXXX or XXXX  about this account. Letter was sent XX/XX/20, and follow ups on XX/XX/20 & XX/XX/20. This is unacceptable and I feel my rights have been violated. Comment notes show it was disputed but no information has been provided to me and still has inconsistencies. 

Also sent letters to Commonwealth directly on XX/XX/20 and a follow up on XX/XX/20 and they have also not responded. 

Date opened on XXXX show XX/XX/20 but XXXX  and XXXX  show XX/XX/20. ( this was also changed from the first report on XX/XX/20 ) The last active shows from my original report on XX/XX/20 when I started this dispute showed XX/XX/20 on XXXX  & XXXX but XXXX showed XX/XX/20.