davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-19
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. (NC)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation.
Consumer complaint received 2020-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

There is a XXXX XXXX XXXX XXXX Account on my credit report that was opened fraudulently. I was not the one that opened this account. I have attached my FTC report.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I reviewed my Consumer Reports and noticed that there was an inaccurate account ( XXXX ) on my credit report XXXX XXXX XXXX XXXX XXXX XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 

I contacted XXXX and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me.

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.
Consumer complaint received 2024-03-12
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. (NV)

I do not have a contract with XXXX XXXX XXXX. They did not provide me with the original contract as requested. I do not have a contract with XXXX XXXX XXXX. They did not provide me with the original contract as I requested. I do not have a contract with XXXX XXXX  XXXX. They did provide me with the original contract as I requested. I do not have a contract with NCA.The did not provide me with the original contract as I requested.
Consumer complaint received 2023-06-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc ()

Dear XXXX I am writing to reopen my case regarding the complaint against PayPal, which was closed after their response. I appreciate your assistance in addressing this matter once again. Please find below a detailed description of what happened, including relevant dates, amounts, and actions taken : Description : PayPal permanently limited my account without any explanation and has been holding my funds for 180 days. This limitation and withholding of funds have caused significant inconvenience and financial distress. I am seeking a resolution to this issue. 

Actions Taken : On XX/XX/XXXX, my PayPal account was permanently limited without any prior warning or explanation. 
I have attempted to contact PayPal 's message center for assistance, but they have been unhelpful and failed to address my concerns. 
PayPal representatives repeatedly stated that I could not withdraw my funds to safeguard against potential chargebacks from buyers. However, I have never sold anything using PayPal, and all my funds come from personal transactions with friends and family. 
I also kindly ask paypal to tell exactly what tos/aup/ rules i broke to get my account perm limited in the first place. 
I have received money exclusively through PayPal 's Friends and Family feature, as well as from my PayPal account balance. There is no possibility of anyone initiating chargebacks for these transactions. 
Request : I kindly request that XXXX  redirect this complaint to the appropriate department that can address international cases, as I understand this falls outside the jurisdiction of PayPal 's United States offices. 
I also request the forwarding of the original complaint reference/message number for proper tracking and documentation. 
Please emphasize the urgency of this matter and the need for a satisfactory resolution that includes the withdrawal of my funds without any further delay. 
I deeply appreciate your assistance in reopening this case and ensuring that PayPal addresses my concerns properly. I believe that with your involvement, a fair resolution can be reached, and I can regain access to my funds. 

Thank you for your attention to this matter, and I look forward to your prompt response. 

Sincerely
Consumer complaint received 2016-08-26
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (FL)

Dear CFPB- I am writing because I received a property insurance cancellation notice ( attached ) from XXXX XXXX due to non-payment of premium of {$6700.00} by my Mortgage servicer ( Nationstar ) unless paid by XXXX XXXX 2016. 
As per my last mortgage Statement, Nationstar is holding in escrow a balance of {$11000.00} There are XXXX active disturbances in the XXXX that could negatively affect my home and Nationstar Mortgage is risking my insurance coverage either through neglect of with the intent putting me in peril by maximizing leverage of my escrow funds to for their own benefit. 
I have faxed copies of this letter to Nationstar and sent a letter to their listed office of insurance renewals at XXXX and tax notices/bills at XXXX with no reply. 

My mortgage has been re-sold twice in three years and this is the second time in that period that this has happened. 

I expect that since Nationstar has proven themselves to not be reliable custodians of an escrow account and my equity in my home is significantly above XXXX % that I will attempt to take responsibility of payment of property insurance and property taxes. 

Thank you for your assistance with this matter.
Consumer complaint received 2023-06-20
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Mercedes Benz Financial Services (CA)

dates : since i got the car in 2019. 
My payments and validation of debt is incorrect. the contract is not a contract it is a retail installment loan and there was a finance charge and the downpayment was not supposed to be charged as I did not get any cash value for the alleged contract. My car is a lemon, its been in and out of shop. the car was paid off and a couple times and the company is engaging in mail fraud, securities fraud, trust fraud and are over charging me for this car as my social security number provides the payment for the agreement with my signature and my dad 's as he was a co signer. I need a full accounting ledger on and off ledger. I need my car refund, and a replacement car as this is a a faulty good. they charged me for insurance, and the dealer rental cars and this car has caused me harm because it is not reliable. and their is something wrong with this one it has caused me to lose over XXXX in loss of income because the car is a lemon. I asked them to adjust the account, credit ] me back and apply all overages owed to me returned in form of a check.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$18000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 2024-03-12
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)

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

Hello, today I am reporting some accounts that are affecting my credit history and some inquiries that I do not recognize and I would like them to be removed from my history please. 

Accounts XXXX XXXX Account Number : XXXX Balance : {$1600.00} Account Name : XXXX XXXX Account Number : XXXX Balance : {$93.00} Account Name : XXXX XXXX  Account Number : XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX Balance : {$1200.00} Inquiries that I do not recognize : XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

On or around XXXX XX/XX/2023 I filed a dispute online wih Experian regarding the payment history and payment status for an XXXX XXXX account/tradeline. I had filed at least one ( 1 ) CFPB complaint for the Experian has neither read disputes nor examined the documentation included with the disputes and complaints. Experian has never even read the basic dispute commentary. Instead Experian failed to re-investigate and concluded the dispute was a " fraud dispute, '' because the language in the language in at least one ( 1 ) of the CFPB compaint resolution sections used the word " block, '' as in " block the furnisher of information from inserting additional information under a new and/or duplicate account/tradeline. '' This language should not be unfamiliar. IN fact this is the exact language in 15 USC 1681s-2 b ( i ) ( E ) ( iii ) : " E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly- ( i ) modify that item of information ; ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information '' ( see : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). There is no excuse for this level of incompetence, and no reason why this should have to be reinvestigated twenty ( 20 ) or more times when the enclosed documentation clearly shows the information supplied by XXXX to Experian is inaccuarte/incomplete/false/misleading XXXX XXXX The account/tradeline needs to be deleted.
Consumer complaint received 2016-08-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I have been trying to modify the loan on this property since XXXX. I was at first given a forbearance, made my three payments, then it was dropped in a confused and confusing manner and I turned to applying for a modification. The process was awful, I spent enormous amounts of time faxing documents that were lost, etc. and put on a dual track so that the trustee sale date eventually came before any modification was granted. 
Then when the bank foreclosed on the property, it wrongfully foreclosed on the adjoining lot which does not belong to the bank. I called both XXXX and XXXX, they paid no attention. I started a lawsuit, and after many months, the bank settled for attorney fees and recognized they were in error. 
I started applying for a modification again, but again things were delayed, I was told I had not submitted documents on time when I had and was able to prove it, etc. Again the trustee sale date came before a modification on XXXX XXXX. And again the bank wrongfully foreclosed on the adjoining log, using the exact same documents as before, disregarding the few guidelines agreed upon in the settlement. 
So, being an optimist, I tried for a modification again. I had a very difficult time with the agent who was assigned to me, who never responded, and dismissed me without really digging into my file whenever she was available. To make a long story short, I was slated for a trustee sale five times in five years, and each time the foreclosure included the nearby lot which was separate from the property. XXXX even rescinded the settlement agreed upon at the end of the lawsuit, without ever consulting with me. 
On XXXX XXXX, XXXX, XXXX transferred my loan to a new servicer, NationStar Mortgage, without ever addressing the wrongful foreclosures described above. Oblivious to this ancient history ( for them ), the new company is simply starting the modification process all over again, despite my complaint that due to the enormous delays caused by XXXX from XXXX on, the escrow on the loan has become so large that numbers no longer add up. This process must be stopped until the illegal actions of XXXX have been addressed.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim. ''
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX XXXX  made error on my credit report statement saying that a loan was never paid and I still owe a outstanding balance for XXXX to all 3 credit bureaus saying that 0 % was paid but on their database it is paid in full sent information before due date to credit bureaus as unpaid when it is paid in full at the bank credit bureaus still says I have a outstanding balance of XXXX that 0 % was paid on this loan so every credit bureaus has dropped my score now it was a error at the bank as I set up auto pay to have all payments deducted but they never did instead they reported to credit bureaus as unpaid 0 % payments made but ther database it is paid in full as I have bank statements to prove it but credit bureaus all have it as outstanding balance that 0 % was paid on loan all three credit bureaus dropped my score I worked hard to get a good score now the bank has ruined it for me it was there error I was set up with auto pay with them but they never took payment instead they submitted false information to credit bureaus as not paid I dispute it but not getting any results just dropping my credit scores with all credit bureaus now as of there mistake I did nothing wrong it was the banks fault payment wasn't even due yet for one and I paid in full before due date plus I was set up for auto pay with them this should not have happened at all people work hard to get good credit now they destroyed my lively hood
Consumer complaint received 2022-11-24
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

I sent XXXX a Cease and Desist letter dated XXXX XXXX, telling them to remove the negligent remarks they've put on my credit reports. Instead of taking heed to my request, they disrespectfully sent the entire letter back to me. XXXX does not get to harass and embarrass me. They need to follow the laws stated in us 1692j. I need to now how I can now be remedied since they have failed to comply? CFPB, please provide feedback as to how they will be reprimanded?
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX XXXX made error on my credit report statement saying that a loan was never paid and I still owe a outstanding balance for XXXX to all 3 credit bureaus saying that 0 % was paid but on their database it is paid in full sent information before due date to credit bureaus as unpaid when it is paid in full at the bank credit bureaus still says I have a outstanding balance of XXXX that 0 % was paid on this loan so every credit bureaus has dropped my score now it was a error at the bank as I set up auto pay to have all payments deducted but they never did instead they reported to credit bureaus as unpaid 0 % payments made but ther database it is paid in full as I have bank statements to prove it but credit bureaus all have it as outstanding balance that 0 % was paid on loan all three credit bureaus dropped my score I worked hard to get a good score now the bank has ruined it for me it was there error I was set up with auto pay with them but they never took payment instead they submitted false information to credit bureaus as not paid I dispute it but not getting any results just dropping my credit scores with all credit bureaus now as of there mistake I did nothing wrong it was the banks fault payment wasn't even due yet for one and I paid in full before due date plus I was set up for auto pay with them this should not have happened at all people work hard to get good credit now they destroyed my lively hood
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

I contact XXXX XXXX XX/XX/2023 after getting alert of hard inquiries i didnt authorized or consent to the rep explained that a letter is being sent to credit bureau to remove the inquiries but the credit bureau have to do it. I was told a confirmation email has been sent to me with confirmation to remove inquiries it still nothing.